Money

Getting Small Business Grants

Getting small business grants can be competitive, but a persistent entrepreneur with a good idea will find the financing they need. As the economy has tightened and budgets decreased, there are very few avenues towards capital to start up a new business that do not involve loans and paying interest. This makes the path towards financial independence all but impossible for many working Americans.

However, the small business grant is still available (even in these very lean times!) as a potential source of funding for you dream of self-employment. A small business grant such as an SBIR grant is part of a program funded by the federal government which provides capital for start up businesses. Sometimes a small business grant will simply give the money to a recipient with no requirement of repayment. Other business grants will require you to repay them with a minimal amount of interest over a period of years. Whether or not a small business grant requires repayment will depend on the nature of the grant itself. Obtaining a small business grant is certainly no simple matter. In truth, over a million applications are received every year with only hundreds being awarded. However, the fact that only a few hundred are awarded does not necessarily mean that the others were turned down for lack of funding.There are specialized grant programs for minorities, new businesses, and women owned businesses.

Quite the opposite, it is very common for a small business grant to be turned down due to filing mistakes as opposed to lack of funds. In fact, it is a common occurrence for funds to be returned at the end of the year because not enough people qualified for the grants available. But, the government is not the only potential source of a small business grant. Businesses will frequently form a “private foundation” which is responsible for disbursing funds set aside for grants and other useful community needs.

The incentive for a company to use a private foundation is simple: tax savings. A company will pay less in corporate taxes when it gives away a small business grant than if it merely reported the income. Therefore, the private business community is an excellent grant source and is expected to be so in the future unless the tax code is significantly altered.++The best way to ensure that your small business grant is approved is to be organized and very thorough in filling out the application.

A winning small business grant will generally include a business plan that includes a detailed explanation of what funds are needed and why. But the most important thing to remember is to fill out the application thoroughly and exactly as directed. Attention to detail is what will separate the winners of a small business grant from the losers. Make sure to read and re-read the instructions. Look at previous successful grants with a particular agency and learn from how they structured their proposal. Don’t cut corners because you don’t know what to write. Your successful competitors will know, and you can level the playing field by retaining a grant writing specialist who can deal with your content area, but who also has the experience to get a solid application done for the specific grant mechanism you want to get.

Small Business Startup Grant Money – women Business Grants Money

Free Online Articles Directory

Why Submit Articles?
Top Authors
Top Articles
FAQ
ABAnswers

Publish Article

0 && $.browser.msie ) {
var ie_version = parseInt($.browser.version);
if(ie_version Login

Login via

Register
Hello
My Home
Sign Out

Email

Password

Remember me?
Lost Password?

Home Page > Business > Small Business > Small Business Startup Grant Money – women Business Grants Money

Small Business Startup Grant Money – women Business Grants Money

Edit Article |

Posted: Oct 30, 2010 |

]]>

Small Business Startup Grant Money -women Business Grants Money - Business Grants for Women

Many women in business find that in order to meet their business’ financial needs, they turn to searching out a loan source. Business loans for women are widely available through the Small Business Administration and a variety of other sources such as banks, credit unions and other financial institutions. Visit to here now - http://www.businessstartupgrants.info

Loans, however, are not the only source for financing. In some instances, business grants for women are available.Small Business grants for women are a wonderful option for some women in business. Grants are an excellent source of funding because grants are not repaid. The funding is provided through government resources that have been budgeted for specific needs in our national community. Anyone is open to apply, so small business grants for women are available to anyone regardless of gender, race, religion, or background.
The downside of grants is that business grants for women are not widely available. Rather, business grants for women are available only to select businesses and under very strict circumstances, mostly for research or development.

Technologically-focused businesses, for example, will find it much easier to qualify for a grant than a craft or retail business. Still, because the money is readily available, even if your business is retail oriented, it may be of benefit to check into business grants for women available for various resources that could assist you in your business.According to Denouement Solutions and Grants.gov, the United States government and its government organizations offer more 1000 grants totaling more than $400 billion in grant funding every year. Only 10 percent of citizens that qualify for these grants actually apply for grants, despite the fact that many more than that would qualify for a business grant for women. Therefore, even though not every individual or business is eligible for a business grant for women, it certainly can be beneficial to check into business grants for women.

According to grants.gov, the United States government’s web site and main resource for grants that are available and can be applied for, there are more than 1000 grant programs offered by the 26 Federal grant-making agencies. These programs fall into 21 different categories, as defined by the Catalog of Federal Domestic Assistance. While some agencies may list available grants under multiple grant categories, the Federal government lists these categories of grants as follows:

Agriculture ,Art ,Business and Commerce ,Community Development ,Consumer Protection ,Disaster Prevention and Relief ,Education ,Employment, Labor, and Training ,Energy ,Environmental Quality ,Food and Nutrition ,Health ,Housing ,Humanities ,Information and Statistics ,Law, Justice, and Legal Service ,Natural Resources ,Regional Development ,Science and Technology ,Social Services and Income Security ,Transportation ,Business Grant money,Small Business grant money,Grant money for small business,Technology grant money,

Even though the category of Business and Commerce may be what appears to have the largest selection of resources for smallbusiness grants for women, consider the other categories as well, according to where your business falls. For example, if your business is a restaurant, don’t hesitate to check the Food and Nutrition category for grants currently available. If your business is a farm, check the Agriculture section.
Grants aren’t available for starting or opening a new business, and they also aren’t available for expanding on an existing business. However, business grants for women can offer funding for research or development of the business. Many grants may not be applicable to your particular business or needs, but there may be funds available for research, education, or other things needed for you to operate and improve your business to help you achieve business growth.In general, when considering the options for a business grant for women, do your homework and read carefully. Look at all grants available that might be related to your particular business. Consider looking into the Business and Commerce section, of Grants.gov, as mentioned, and also look into the different categories of grant fundings.

Take the time needed to read the grant qualifications carefully. With any business, check into the Regional Development category, as well as the Community Development category. Depending on your location within the United States, it’s possible to qualify for a grant to economically develop certain areas, and expanding a business in one of these areas can possibly assist you in qualifying for a business grant for women at Small Business Startup Grant Money -women Business Grants Money - Business Grants for Women

Retrieved from “http://www.articlesbase.com/small-business-articles/small-business-startup-grant-money-women-business-grants-money-3576946.html”

(ArticlesBase SC #3576946)

Liked this article? Click here to publish it on your website or blog, it’s free and easy!

Jena smith -
About the Author:

For more info at - Small Business Startup Grant Money -women Business Grants Money - Business Grants for Women and http://www.businessstartupgrants.info/

]]>

Questions and Answers

Ask our experts your Small Business related questions here…

Ask

200 Characters left

Can a hair stylist starting in booth rent get small business loans or grants?
Hi there we have opened a small business in ontario and need more money for inventory and advertising are we eligable for anything like this?
Where can I take a class tolearn about buying a business? A franchise or small business…so I don’t make any errors when investing my lifetime savings?

Rate this Article

1
2
3
4
5

vote(s)
0 vote(s)

Feedback
RSS
Print
Email
Re-Publish

Source: http://www.articlesbase.com/small-business-articles/small-business-startup-grant-money-women-business-grants-money-3576946.html

Article Tags:
small business startup grant money, women business grants money, business grants for women

Free College Grant Money: More Sources

Free College Grant Money: More Sources document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight + ‘px’)}*:first-child+html
#TB_window{position:fixed;background:#fff;z-index:99102;color:#000;display:none;border:4px
solid #525252;text-align:left;top:50%;left:50%;overflow-x:hidden;overflow-y:hidden}#TB_window{position:fixed;background:#fff;z-index:99102;color:#000;display:none;border:4px
solid #525252;text-align:left;top:50%;left:50%;overflow-x:hidden;overflow-y:hidden}* html
#TB_window{position:absolute;margin-top:expression(0 – parseInt(this.offsetHeight / 2) + (TBWindowMargin = document.documentElement && document.documentElement.scrollTop || document.body.scrollTop) + ‘px’)}#TB_window
img#TB_Image{display:block;margin:15px
0 0 15px;border-right:1px solid #ccc;border-bottom:1px solid #ccc;border-top:1px solid #666;border-left:1px solid #666}#TB_caption{height:25px;padding:7px
30px 10px 25px;float:left}#TB_closeWindow{height:28px;padding:11px
25px 10px 0;float:right}#TB_closeAjaxWindow{padding:7px
10px 5px 0;margin-bottom:1px;text-align:right;float:right}#TB_closeAjaxWindow
img{vertical-align:middle}#TB_ajaxWindowTitle{float:left;padding:7px
0 5px 10px;margin-bottom:1px;font-weight:bold;font-size:14px}#TB_title{background-color:#e8e8e8;height:27px}#TB_ajaxContent{clear:both;padding:2px
15px 15px 15px;overflow:auto;text-align:left;line-height:1.4em}#TB_ajaxContent.TB_modal{padding:15px}#TB_ajaxContent
p{padding:5px
0px 5px 0px}#TB_load{position:fixed;display:none;height:13px;width:208px;z-index:103;top:50%;left:50%;margin: -6px 0 0 -104px}* html
#TB_load{position:absolute;margin-top:expression(0 – parseInt(this.offsetHeight / 2) + (TBWindowMargin = document.documentElement && document.documentElement.scrollTop || document.body.scrollTop)+’px’)}#TB_HideSelect{z-index:99;position:fixed;top:0;left:0;background-color:#fff;border:none;filter:alpha(opacity=0);-moz-opacity:0;opacity:0;height:100%;width:100%}* html
#TB_HideSelect{position:absolute;height:expression(document.body.scrollHeight > document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight+’px’)}#TB_iframeContent{clear:both;border:none;margin-bottom:-1px;margin-top:1px;_margin-bottom:1px}html{}body,div,dl,dt,dd,ul,ol,li,h1,h2,h3,h4,h5,h6,pre,code,form,fieldset,legend,input,textarea,p,blockquote,th,td{margin:0;padding:0}table{border-collapse:collapse;border-spacing:0}fieldset,img{border:0}address,caption,cite,code,dfn,th,var{font-style:normal;font-weight:normal}li{list-style:none}caption,th{text-align:left}h1,h2,h3,h4,h5,h6{font-size:100%;font-weight:normal}q:before,q:after{content:”}abbr,acronym{border:0;font-variant:normal}sup{vertical-align:text-top}sub{vertical-align:text-bottom}input,textarea,select{font-family:inherit;font-size:inherit;font-weight:inherit;border:0}input,textarea,select{*font-size:100%}legend{color:#000}del,ins{text-decoration:none}dl.accordion-menu{margin:0;padding:0;clear:both;width:154px;border:1px
solid #dcdcdc;border-top:none;margin-bottom:15px}dl.accordion-menu dt.a-m-t{margin:0;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -29px;height:18px;padding:4px
0 0 5px;border-bottom:1px solid #dcdcdc}dl.accordion-menu dt.a-m-t-hover{font-weight:normal;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -54px}dl.accordion-menu dt.my-links{}dl.accordion-menu dt.my-links
a{display:block;float:left;width:125px;height:18px;padding:4px
0 0 5px;margin-bottom:-22px;position:relative;color:#000;text-decoration:none}dl.accordion-menu dt.my-links a:hover{font-weight:normal;color:#06C}dl.accordion-menu dt.a-m-t-down{}html.accordion-menu-js dt.a-m-t{cursor:pointer;zoom:1}dl.accordion-menu dd.a-m-d{margin:0;padding:0;padding:0}html.accordion-menu-js dd.a-m-d{display:none}html.accordion-menu-js dd.a-m-d-expand{display:block}html.accordion-menu-js dd.a-m-d-before-expand{display:block;position:relative;z-index:-1;opacity:0;height:auto !important;visibility:hidden;overflow:visible}html.accordion-menu-js dt.a-m-t-expand{font-weight:normal;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -54px}html.accordion-menu-js dd.a-m-d-anim{overflow:hidden;display:block}.bd{background:#f5f8fd}.bd a, .bd
span{text-decoration:none;border:1px
solid #fff;height:18px;padding:2px
0 0 10px;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -104px;outline:none;display:block;cursor:pointer}.bd a:hover, .bd span:hover{background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -124px;;color:#06C}.bd
a.active{background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -124px;color:#06C}.bc{background:white}.bc a, .bc
span{text-decoration:none;border-bottom:1px solid #dcdcdc;height:18px;padding:4px
0 0 5px;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -79px;outline:none;display:block;cursor:pointer}.bc a:hover, .bc span:hover{background:none;color:#06C}.bc
a.active{background:none;color:#06C}#facebox
.b{background:url(http://js.articlesbase.com/facebox/b.png)}#facebox
.tl{background:url(http://js.articlesbase.com/facebox/tl.png)}#facebox
.tr{background:url(http://js.articlesbase.com/facebox/tr.png)}#facebox
.bl{background:url(http://js.articlesbase.com/facebox/bl.png)}#facebox
.br{background:url(http://js.articlesbase.com/facebox/br.png)}#facebox{position:absolute;top:0;left:0;z-index:8500;text-align:left}#facebox
.popup{position:relative}#facebox
table{border-collapse:collapse}#facebox
td{border-bottom:0;padding:0}#facebox
.body{padding:10px;background:#fff;width:370px}#facebox
.loading{text-align:center}#facebox
.image{text-align:center}#facebox
img{border:0;margin:0}#facebox
.footer{border-top:1px solid #DDD;padding-top:5px;margin-top:10px;text-align:right}#facebox .tl, #facebox .tr, #facebox .bl, #facebox
.br{height:10px;width:10px;overflow:hidden;padding:0}#facebox_overlay{position:fixed;top:0px;left:0px;height:100%;width:100%}.facebox_hide{z-index:-100}.facebox_overlayBG{background-color:#000;z-index:99}* html
#facebox_overlay{position:absolute;height:expression(document.body.scrollHeight > document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight + ‘px’)}@charset “utf-8″;.qa_foo_bar{display:block}#qa_left_col{float:left;width:646px;padding-bottom:35px}#qa_left_col
.messages{line-height:16px;background:#f7f7f7;padding:10px;font-size:12px;color:#090;border:1px
solid #E3E3E3}.qa_question_title{font-size:18px;color:#333;font-weight:bold;line-height:20px;padding-bottom:10px}.qa_question_box{float:left;width:646px;background:url(http://images.articlesbase.com/qa/question_box_bg.png) repeat-y;margin-bottom:25px}.qa_question_box
.qa_top{float:left;width:646px;background:url(http://images.articlesbase.com/qa/question_box_top.png) top no-repeat}.qa_question_box
.qa_bottom{float:left;width:646px;height:57px;background:url(http://images.articlesbase.com/qa/question_box_bottom.png) no-repeat}.qa_question_box
.qa_avatar{float:left;width:60px;min-height:185px;_height:185px;padding:12px
0 0 10px;background:url(http://images.articlesbase.com/qa/que_bg.png) 0px 115px no-repeat}.qa_question_box
.qa_question_content{float:left;width:536px;padding:22px
15px 15px 15px;position:relative}.qa_question_box .qa_question_content
a.qa_reports{position:absolute;right:9px;top:16px}.qa_question_box .qa_question_content
h1{font-size:14px;font-weight:bold;color:#333;line-height:18px;padding-right:20px;overflow:hidden}.qa_question_box
.qa_que_meta{color:#666;font-size:11px;padding:15px
0 12px;display:block;background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom}.qa_question_box .qa_que_meta
.qa_asked_by{display:inline}.qa_question_box .qa_que_meta
.qa_question_tags{display:inline}.qa_question_box .qa_que_meta
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_question_box .qa_que_meta a:hover{text-decoration:underline}.qa_question_box .qa_que_meta
span{color:#f90;font-size:11px;padding:0
3px}.qa_question_box
.qa_google_ad{width:536px;clear:both;padding-top:12px}.qa_question_box
.qa_social_icons{float:left;padding:22px
0 0 68px;font-size:11px;color:#fff}.qa_question_box .qa_social_icons
a{color:#2179d2;text-decoration:none;font-size:11px;margin:0
2px}.qa_question_box .qa_social_icons
a.email{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px 0px no-repeat;padding:1px
0 1px 24px}.qa_question_box .qa_social_icons
a.share{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -20px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons
a.twitter{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -40px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons
a.facebook{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -60px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons a:hover{text-decoration:underline}.qa_question_box
a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:17px
10px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}.qa_question_box a.qa_answer_it
span{float:left;background:url(http://images.articlesbase.com/qa/answer_it_left.png) left no-repeat;height:21px;padding:6px
20px 0 30px;cursor:pointer}.qa_question_box a.qa_answer_it:hover{text-decoration:underline}.qa_answer_title{padding-bottom:10px}.qa_answer_title
h2{float:left;width:500px;font-size:18px;color:#333;font-weight:bold;line-height:20px;padding-bottom:10px}.qa_answer_title h2
span{color:#06c;font-size:14px;font-weight:normal}.qa_answer_title
.qa_sort_by{float:right;font-size:11px;color:#666;padding-top:7px}.qa_answer_title .qa_sort_by
a{color:#333;text-decoration:none}.qa_answer_title .qa_sort_by a:hover{text-decoration:underline}.qa_answer_title .qa_sort_by
a.active{color:#06c}.qa_answer_title .qa_sort_by
span{color:#ffb400;padding:0
3px}.qa_answer_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat}.qa_answer_box
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 22px 10px}.qa_answer_box
.qa_answer_avatar{float:left;width:46px}.qa_answer_box
.qa_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bg.png) repeat-y;margin-top:8px;text-align:center}.qa_answer_box .qa_votes
.qa_top_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_top.png) top no-repeat}.qa_answer_box .qa_votes
.qa_bottom_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bottom.png) bottom no-repeat;padding:5px
0}.qa_answer_box .qa_votes
span{font-size:15px;font-weight:bold;color:#333;display:block;padding:2px
0}.qa_answer_box .qa_votes
p{font-size:11px;color:#4c4c4c;padding:2px
0}.qa_answer_box
.qa_anwser_bubble_big{float:right;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bg.png) repeat-y}.qa_answer_box .qa_anwser_bubble_big
.qa_top_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_top.png) top no-repeat}.qa_answer_box .qa_anwser_bubble_big
.qa_bottom_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bottom.png) bottom no-repeat}.qa_answer_box .qa_anwser_bubble_big
.qa_answer_content{float:left;width:541px;padding:10px
10px 0px 25px;position:relative}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
a.qa_reports{position:absolute;right:9px;top:8px}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
p{font-size:12px;color:#333;line-height:18px;padding-bottom:12px;padding-right:25px;overflow:hidden}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content p
strong{color:#2179d2}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content p a:hover{text-decoration:underline}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
.qa_more{display:block;font-size:11px}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content .qa_more
a{color:#06c;text-decoration:none}.qa_answer_box .qa_anwser_bubble_big
.qa_answered_by{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x top;font-size:11px;color:#666;padding-top:12px}.qa_answer_box .qa_anwser_bubble_big .qa_answered_by
a{font-weight:bold;color:#2179d2;text-decoration:none}.qa_answer_box .qa_anwser_bubble_big .qa_answered_by a:hover{text-decoration:underline}.qa_answer_box .qa_anwser_bubble_big
p.qa_answered{color:#666;font-size:11px;padding:10px
25px 0 0}.qa_answer_box .qa_anwser_bubble_big
.qa_best_ans_comments{float:left;width:576px;margin:11px
0 -11px;position:relative}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_comments{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -75px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -75px no-repeat;cursor:pointer}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments:hover{background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -50px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments:hover
span{background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -50px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_best_ans{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -25px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -25px no-repeat;cursor:pointer}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans:hover{background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans:hover
span{background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_best_ans_voted{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans_voted
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px 0px no-repeat;cursor:pointer}.qa_answer_comnent{float:right;width:566px;margin:27px
0 -12px 0}.qa_answer_comnent
.qa_answer_comment_avatar{float:left;width:45px;background:url(http://images.articlesbase.com/qa/comment_ico.png) 0px 55px no-repeat;min-height:100px;_height:100px}.qa_answer_comnent
.qa_answer_comment{float:right;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_bg.png) repeat-y}.qa_answer_comnent
.qa_answer_comment_top{float:left;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_top.png) top no-repeat}.qa_answer_comnent
.qa_answer_comment_bottom{float:left;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_bottom.png) bottom no-repeat}.qa_answer_comnent
.qa_answer_comment_content{float:left;width:481px;padding:10px
10px 10px 25px;position:relative}.qa_answer_comnent .qa_answer_comment_content
a.qa_reports{position:absolute;right:9px;top:8px}.qa_answer_comnent
.qa_comment_by{color:#666;font-size:11px}.qa_answer_comnent .qa_comment_by
a{color:#2179d2;font-weight:bold;text-decoration:none;font-size:12px}.qa_answer_comnent .qa_comment_by a:hover{text-decoration:underline}.qa_answer_comnent .qa_comment_by
span{font-size:9px;color:#f90;padding:0
2px}.qa_answer_comnent
p{font-size:12px;line-height:18px;color:#333;padding:10px
25px 0 0;overflow:hidden}.qa_answer_comnent div.warning
p{font-size:12px;line-height:18px;color:red;padding:10px
25px 0 0;background-color:#F3F3F3}.qa_answer_comnent
.qa_add_comment_btn{float:right;clear:right}.qa_answer_comnent .qa_add_comment_btn
input{width:180px;height:27px;padding-left:25px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/submit_ans_btm.png) no-repeat;margin-top:12px;color:#666;font-weight:bold;font-size:12px;line-height:13px;text-align:left;cursor:pointer}.qa_answer_comnent .qa_answer_comment_content
textarea.qa_comment_input{width:475px;height:110px;color:#666;font-size:12px;line-height:18px}.qa_google_ad_content{float:left;width:646px;margin:10px
0}.qa_answer_this_que{float:left;width:646px;padding:0}.qa_answer_this_que
h2{font-size:18px;color:#333;line-height:20px;font-weight:bold;padding:0
0 10px}.qa_submit_ans{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat}.qa_submit_ans
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 14px 10px}.qa_submit_ans
.qa_answer_avatar{float:left;width:46px}.qa_submit_ans
.qa_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bg.png) repeat-y;margin-top:8px;text-align:center}.qa_submit_ans .qa_votes
.qa_top_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_top.png) top no-repeat}.qa_submit_ans .qa_votes
.qa_bottom_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bottom.png) bottom no-repeat;padding:5px
0}.qa_submit_ans .qa_votes
span{font-size:15px;font-weight:bold;color:#333;display:block;padding:2px
0}.qa_submit_ans .qa_votes
p{font-size:11px;color:#4c4c4c;padding:2px
0}.qa_submit_ans
.qa_anwser_bubble_big{float:right;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bg.png) repeat-y}.qa_submit_ans .qa_anwser_bubble_big
.qa_top_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_top.png) top no-repeat}.qa_submit_ans .qa_anwser_bubble_big
.qa_bottom_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bottom.png) bottom no-repeat}.qa_submit_ans .qa_anwser_bubble_big
.qa_answer_content{float:left;width:541px;padding:10px
10px 10px 25px}.qa_submit_ans
textarea.qa_ans_input{width:535px;height:110px;color:#666;font-size:12px;line-height:18px}.qa_submit_ans
.qa_submit_ans_btn{float:right;clear:right}.qa_submit_ans .qa_submit_ans_btn
input{width:180px;height:27px;padding-left:25px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/submit_ans_btm.png) no-repeat;margin-top:12px;color:#666;font-weight:bold;font-size:12px;line-height:13px;text-align:left;cursor:pointer}.qa_grey_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat;margin-top:25px}.qa_grey_box
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 14px 10px}.qa_grey_box
p{padding:5px
5px 0px 5px;font-size:12px;line-height:18px;color:#333}.qa_grey_box p
a{color:#06c;text-decoration:none}.qa_grey_box p a:hover{text-decoration:underline}.qa_related_articles{float:left;width:646px;padding:15px
0 0 0}.qa_related_articles
h2{font-size:18px;color:#333;line-height:20px;font-weight:bold;padding:5px
0 10px;border-bottom:1px solid #ccc}.qa_article_row{float:left;width:646px;border-bottom:1px solid #ccc}.qa_article_row
.qa_title{float:left;width:646px;padding:10px
0}.qa_article_row
h3{color:#06c;font-weight:bold;float:left;width:555px;font-size:13px}.qa_article_row h3
a{color:#06c;font-weight:bold;text-decoration:none}.qa_article_row h3 a:hover{text-decoration:underline}.qa_article_row
.qa_read_article{float:right}.qa_article_row .qa_read_article
a{color:#06c;font-size:11px}.qa_article_row .qa_read_article a:hover{text-decoration:none}.qa_article_row
.qa_article_thumb{border:1px
solid #c0c0c0;padding:2px}.qa_article_row
p{float:left;width:550px;padding-left:10px;line-height:15px;color:#333}.qa_article_row
.qa_article_details{float:left;width:646px;padding:10px
0 15px 0;color:#feb300}.qa_article_row .qa_article_details
span{color:#06c;padding:0
3px}.qa_article_row .qa_article_details
.qa_name{padding-left:0}.qa_article_row .qa_article_details
.qa_nameby{padding-right:0}.qa_article_row .qa_article_details
a{color:#06c;text-decoration:none;padding:0
3px}.qa_article_row .qa_article_details a:hover{text-decoration:underline}.qa_article_row .qa_article_details
code{color:#000;padding:0
3px;font-weight:normal;font-family:Verdana,Geneva,sans-serif;color:#333}.qa_ask_question{float:left;width:646px;background:url(http://images.articlesbase.com/qa/ask_question_bg_repeat.png) repeat-y;margin-top:15px}.qa_ask_question
.qa_top{float:left;width:646px;height:45px;background:url(http://images.articlesbase.com/qa/ask_question_bg.png) top no-repeat}.qa_ask_question .qa_top
h2{font-size:12px;font-weight:bold;color:#474747;padding:10px
15px}.qa_ask_question
.qa_bottom{float:left;width:646px;height:51px;background:url(http://images.articlesbase.com/qa/ask_question_bg.png) bottom no-repeat}.qa_ask_question
.qa_ask_question_box{width:646px;float:left}.qa_ask_question .qa_ask_question_box
textarea{width:610px;margin:2px
20px;height:70px;font-size:12px;color:#474747;line-height:18px}.qa_ask_question .qa_bottom div
span{font-size:11px;color:#ff7200;float:left}.qa_ask_question .qa_bottom
div{float:left;padding:10px
15px}.qa_ask_question
input.qa_ask_btn{float:right;width:101px;height:27px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/ask_btn.png) no-repeat;margin:13px
10px 0 0;display:inline;font-size:12px;font-weight:bold;color:#666;line-height:15px;cursor:pointer}#qa_right_col{float:right;width:304px}.qa_right_panel{float:left;width:304px;margin-bottom:20px}.qa_right_panel
.qa_top{float:left;width:304px;height:28px;background:url(http://images.articlesbase.com/qa/right_panel_title_bg.png) no-repeat}.qa_right_panel .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}.qa_right_panel
.qa_right_panel_content{float:left;width:280px;padding:9px;margin:0
2px;display:inline}#qa_ask_que_box_container{float:left;width:304px;margin-bottom:10px;margin-top:10px}#qa_ask_que_box_container
.qa_top{float:left;width:304px;height:28px;background:url(http://images.articlesbase.com/qa/right_panel_title_bg.png) no-repeat}#qa_ask_que_box_container .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}#qa_ask_que_box_container
.qa_right_panel_content{float:left;width:280px;padding:9px;margin:0
2px;display:inline}.qa_ask_a_que{background:#f3f3f3;border:1px
solid #e3e3e3}.qa_ask_a_que
.qa_ask_que_content{float:left;width:280px;height:135px;background:url(http://images.articlesbase.com/qa/ask_question_box.png) top no-repeat}.qa_ask_a_que .qa_ask_que_content
textarea{background:none;font-size:12px;color:#474747;padding:5px
10px;width:258px;height:75px;margin:5px
0}.qa_ask_a_que .qa_ask_que_content
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px}.qa_ask_a_que .qa_ask_que_content
input.qa_ask_btn{float:right;width:101px;height:27px;padding-bottom:3px;background:url(http://images.articlesbase.com/qa/ask_btn.png) no-repeat;margin:11px
0 0 0;display:inline;font-size:12px;font-weight:bold;color:#666;line-height:15px;cursor:pointer}.qa_google_ad_right_panel{float:left;margin-bottom:20px;font-size:11px}.qa_google_ad_right_panel
h2{font-size:11px;color:#666;padding-bottom:0px;line-height:16px}.qa_google_ad_right_panel h2
a{text-decoration:underline;color:#333}.qa_google_ad_right_panel
.qa_ad_block{margin-top:15px}.qa_google_ad_right_panel
p{font-size:11px;color:#666;padding-bottom:4px;line-height:16px}.qa_google_ad_right_panel p
a{text-decoration:underline;color:#333}.qa_google_ad_right_panel p a:hover{text-decoration:none}.qa_google_ad_right_panel
h3{font-size:12px;color:#2179d2;line-height:20px}.qa_google_ad_right_panel h3
a{color:#2179d2}.qa_google_ad_right_panel h3 a:hover{text-decoration:none}.qa_google_ad_right_panel
span{color:#060}.qa_google_ad_right_panel span
a{color:#060;text-decoration:none}.qa_google_ad_right_panel span a:hover{text-decoration:underline}.qa_related_que_rp{border:1px
solid #e3e3e3;padding-top:0 !important}.qa_related_que_rp
ul{}.qa_related_que_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:10px
0}.qa_related_que_rp ul
li.qa_last{background:none}.qa_related_que_rp ul li
h3{font-size:12px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 0 27px;min-height:20px}.qa_related_que_rp ul li h3
a{font-size:12px;color:#06c;text-decoration:none}.qa_related_que_rp ul li h3 a:hover{text-decoration:underline}.qa_questions_cats{background:#fbfbfb;border:1px
solid #ccc}.qa_questions_cats
ul{}.qa_questions_cats ul
li{float:left;width:135px;padding:0
0 4px 5px}.qa_questions_cats ul li
h3{font-size:11px;line-height:16px;color:#06c}.qa_questions_cats ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_questions_cats ul li h3 a:hover{text-decoration:underline}.qa_popular_tags{background:#fbfbfb;border:1px
solid #ccc}.qa_popular_tags
.qa_popular_tags_holder{line-height:22px;text-align:center}.qa_popular_tags .qa_popular_tags_holder
a{text-decoration:none;color:#84bdde;font-size:12px;padding:0
4px}.qa_popular_tags .qa_popular_tags_holder a:hover{text-decoration:underline}.qa_related_vids_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_related_vids_holder
.related_vids{width:278px;float:left;padding:10px
10px 10px 10px}.qa_related_vids_holder
.related_vids_details{float:left;width:185px;margin-left:10px}.qa_related_vids_holder .related_vids
.vid_thumb{float:left;width:80px;height:58px;position:relative;border:1px
solid #e0e0df}.qa_related_vids_holder .related_vids .vid_thumb
.play_btn{position:absolute;bottom:4px;right:5px;border:0;width:23px;height:23px;background:url(http://images.articlesbase.com/qa/play.png) no-repeat}*html .qa_related_vids_holder .related_vids .vid_thumb
.play_btn{background:none;filter:progid:DXImageTransform.Microsoft.AlphaImageLoader(src=’images/qa/play.png’), sizingMethod=’image’;cursor:pointer}.qa_related_vids_holder .related_vids_details
h3{font-weight:bold;font-size:12px;line-height:16px;line-height:12px;min-height:44px;overflow:hidden}.qa_related_vids_holder .related_vids_details h3
a{color:#06c;text-decoration:none;font-size:12px;line-height:16px}.qa_related_vids_holder .related_vids_details h3 a:hover{text-decoration:underline}.qa_related_vids_holder .related_vids_details
p{line-height:12px;padding:2px
0 0 0;color:#000}.qa_related_vids_holder
.alt_row{background:#f8f8f8}.qa_tabs_content .yui-content{clear:both}.qa_tabs_content{float:left;width:646px;background:url(http://images.articlesbase.com/qa/tabs_bg.png) repeat-x top}.qa_tabs_content ul.yui-nav{border:none;padding-left:6px}.qa_tabs_content ul.yui-nav
li{background:none;border:1px
solid #c8d9e7;border-bottom:none;margin-right:3px}.qa_tabs_content ul.yui-nav li
a{background:#fff;padding:0;font-weight:normal;padding:5px
10px 6px}.qa_tabs_content ul.yui-nav li.selected
a{background:#e8f0f6;font-weight:bold;color:#06c;padding:5px
10px 7px}.qa_tabs_content ul.yui-nav li a:hover{background:#e8f0f6;font-weight:bold;color:#06c;padding:5px
10px 7px}.qa_featured_ques{}.qa_featured_ques
h1.featured_que{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:18px
0 10px;clear:both;float:left;width:646px}.qa_featured_ques
.qa_top{float:left;width:646px;background:#e6ecf5 url(http://images.articlesbase.com/qa/featured_question_top.png) top no-repeat}.qa_featured_ques
.qa_bottom{float:left;width:646px;background:url(http://images.articlesbase.com/qa/featured_question_bottom.png) bottom no-repeat}.qa_featured_ques
.qa_featured_ques_bg{float:left;width:626px;padding:10px;background:url(http://images.articlesbase.com/qa/que_bg.png) 0px 12px no-repeat}.qa_featured_ques
.qa_fea_que{float:right;width:592px;background:url(http://images.articlesbase.com/qa/featured_que_bg.png) repeat-y}.qa_featured_ques
.qa_fea_que_top{float:left;width:592px;background:url(http://images.articlesbase.com/qa/featured_que_top.png) top no-repeat}.qa_featured_ques
.qa_fea_que_bottom{float:left;width:547px;background:url(http://images.articlesbase.com/qa/featured_que_bottom.png) bottom no-repeat;padding:15px
15px 15px 30px}.qa_featured_ques
h2{font-size:14px;color:#2179d2;font-weight:bold;padding-bottom:6px;line-height:18px}.qa_featured_ques h2
a{font-size:14px;color:#2179d2;font-weight:bold;text-decoration:none}.qa_featured_ques
p{color:#666;font-size:12px;line-height:18px}.qa_featured_ques p
a{color:#06c;text-decoration:none}.qa_featured_ques a:hover{text-decoration:underline}.qa_featured_ques
.qa_fea_content{float:left;width:545px}.qa_featured_ques .qa_fea_content
img.fea_img{margin:0
10px 10px 0;float:left}.qa_new_ques{}.qa_new_ques
.qa_title{float:left;width:646px}.qa_new_ques .qa_title
h2{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:18px
0 10px;clear:both;float:left;width:540px}.qa_new_ques
.qa_sort_by{float:right;width:98px;height:24px;padding-top:15px}.qa_how_to_ask{border:none}.qa_how_to_ask
.qa_title{float:left;width:330px}.qa_how_to_ask .qa_title
h2{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:0
0 10px 0;clear:both;float:left;width:330px}.qa_how_to_ask
.qa_howto_main_box{margin-bottom:15px}.qa_how_to_ask .qa_howto_main_box
.qa_howto{padding:5px;border-left:1px solid #ccc;border-right:1px solid #ccc}.qa_how_to_ask .qa_howto_main_box .qa_howto
h3{font-size:11px;font-weight:bold;color:#0F71CC;padding:0
0 2px 14px;background:url(‘http://images.articlesbase.com/ok_icon.png’) 0 2px no-repeat;clear:both}.qa_howto_main_box
.white{background-color:#fff}.qa_howto_main_box
.grey{background-color:#f6f6f6}.qa_howto_main_box
.qa_howto_top{background:url(‘http://images.articlesbase.com/qa/bqbox_top.png’) no-repeat;clear:both;margin-bottom:-8px}.qa_howto_main_box
.qa_howto_bottom{background:url(‘http://images.articlesbase.com/qa/bqbox_bottom.png’) no-repeat;clear:both}.qa_sort_by{position:relative;display:inline-block}div.selectbox_qa-wrapper{position:absolute;background-color:white;border:1px
solid #ccc;margin:0px;margin-top:0px;padding:0px;font-size:0.8em;text-align:left;overflow:auto;overflow-x:hidden;left:0px;top:39px;width:120px !important}div.selectbox_qa-wrapper
ul{list-style-type:none;margin:0px;padding:0px;font-size:11px;font-family:Verdana,Geneva,sans-serif}div.selectbox_qa-wrapper ul
li.selected{background-color:#316ac5;color:#fff}div.selectbox_qa-wrapper ul
li.current{background-color:#316ac5;color:#fff}div.selectbox_qa-wrapper ul
li{list-style-type:none;display:block;margin:0;padding:2px;cursor:pointer;background:none;font-size:11px}label{display:block}.selectbox_qa{padding-left:2px;font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;font-size:11px;width:88px;height:16px;padding:4px
0 5px 10px;display:block;text-align:left;background:url(http://images.articlesbase.com/qa/sort_by_bg.png) right no-repeat;cursor:pointer;color:#333}.qa_questions_main_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/new_questions_top.png) top no-repeat}.qa_questions_main_box
.qa_questions_main_box_bottom{float:left;width:618px;padding:14px;background:url(http://images.articlesbase.com/qa/new_questions_bottom.png) bottom no-repeat}.qa_new_question_box{float:left;width:618px;background:url(http://images.articlesbase.com/qa/new_question_box_bg.png) repeat-y;margin-bottom:8px}.qa_new_question_box
.qa_new_question_box_top{float:left;width:618px;background:url(http://images.articlesbase.com/qa/new_question_box_top.png) top no-repeat}.qa_new_question_box
.qa_new_question_box_bottom{float:left;width:608px;padding:5px;background:url(http://images.articlesbase.com/qa/new_question_box_bottom.png) bottom no-repeat}.qa_new_question_box
.qa_avatar{float:left}.qa_new_question_box .qa_avatar
img{float:left;width:45px;height:45px;overflow:hidden}.qa_new_question_box
.qa_new_question_content{float:left;width:400px;padding:0px
10px 5px;overflow:hidden}.qa_new_question_box
h3{color:#2179d2;font-size:12px;font-weight:bold;padding-bottom:2px}.qa_new_question_box h3
a{color:#2179d2;font-size:12px;font-weight:bold;text-decoration:none;line-height:16px}.qa_new_question_box h3 a:hover{text-decoration:underline}.qa_new_question_box
.qa_meta{padding:5px
0;font-size:11px;color:#666}.qa_new_question_box .qa_meta
a{color:#2179d2;text-decoration:none}.qa_new_question_box .qa_meta a:hover{text-decoration:underline}.qa_new_question_box .qa_meta
span{color:#f90}.qa_new_question_box
a.qa_answer_it{float:right;text-decoration:none;color:#2179d2;line-height:18px;font-size:12px;margin:15px
15px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_btn_right.png) right no-repeat}.qa_new_question_box a.qa_answer_it
span{float:left;height:27px;padding:0
20px 0 8px;cursor:pointer;background:url(http://images.articlesbase.com/qa/answer_it_btn_left.png) left no-repeat}.qa_new_question_box a.qa_answer_it:hover{text-decoration:underline}a.qa_show_more{float:right;font-size:11px;color:#2179d2;text-decoration:none}a.qa_show_more:hover{text-decoration:underline}.qa_new_question_content
p{color:#666;font-size:12px;line-height:18px}.qa_new_question_content p
strong{color:#06c}.qa_new_question_content p
a{font-size:11px;color:#06c;text-decoration:none}.qa_new_question_content p a:hover{text-decoration:underline}.qa_unanswered_box{float:left;width:618px;margin-bottom:8px;background:url(http://images.articlesbase.com/qa/unanswered_que_bg.png) repeat-y}.qa_unanswered_box
.qa_unanswered_box_top{float:left;width:618px;background:url(http://images.articlesbase.com/qa/unanswered_que_top.png) top no-repeat}.qa_unanswered_box
.qa_unanswered_box_bottom{float:left;width:608px;padding:5px;background:url(http://images.articlesbase.com/qa/unanswered_que_bottom.png) bottom no-repeat}.qa_unanswered_box
.qa_new_question_content{float:left;width:405px;padding:5px
10px 5px 45px}.qa_unanswered_box
h3{color:#2179d2;font-size:12px;font-weight:bold}.qa_unanswered_box h3
a{color:#2179d2;font-size:12px;font-weight:bold;text-decoration:none;line-height:18px}.qa_unanswered_box h3 a:hover{text-decoration:underline}.qa_unanswered_box
.qa_meta{padding:5px
0;font-size:11px;color:#666}.qa_unanswered_box .qa_meta
a{color:#2179d2;text-decoration:none}.qa_unanswered_box .qa_meta a:hover{text-decoration:underline}.qa_unanswered_box .qa_meta
span{color:#f90}.qa_unanswered_box
a.qa_answer_it{float:right;text-decoration:none;color:#2179d2;line-height:18px;font-size:12px;margin:15px
15px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_btn_right.png) right no-repeat}.qa_unanswered_box a.qa_answer_it
span{float:left;height:27px;padding:0
20px 0 8px;cursor:pointer;background:url(http://images.articlesbase.com/qa/answer_it_btn_left.png) left no-repeat}.qa_unanswered_box a.qa_answer_it:hover{text-decoration:underline}.qa_top_ans_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_top_ans_holder
.qa_top_ans{width:278px;float:left;padding:10px
10px 10px 10px}.qa_top_ans_holder
.qa_avatar_top_ans{float:left}.qa_top_ans_holder .qa_avatar_top_ans
span{float:left;background:#d3dded;font-size:18px;font-weight:bold;color:#fff;width:35px;height:32px;text-align:center;line-height:28px}.qa_top_ans_holder .qa_avatar_top_ans
img{float:left}.qa_top_ans_holder
.qa_top_ans_content{float:left;width:195px;padding-left:12px}.qa_top_ans_holder .qa_top_ans_content
h3{font-size:11px;font-weight:bold;color:#2179d2}.qa_top_ans_holder .qa_top_ans_content h3
a{font-size:11px;font-weight:bold;color:#2179d2;text-decoration:none;line-height:16px}.qa_top_ans_holder .qa_top_ans_content h3 a:hover{text-decoration:underline}.qa_top_ans_holder .qa_top_ans_content
p{color:333}.qa_top_ans_holder .qa_top_ans_content p
a{color:333}.qa_top_ans_holder .qa_top_ans_content p a:hover{color:333;text-decoration:none}.qa_top_ans_holder
.alt_row{background:#f8f8f8}.qa_articles_resources_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_articles_resources_holder
ul.qa_articles_resources{clear:both;background:url(http://images.articlesbase.com/qa/articles_resources_bg.png) 0px 0px repeat-y;width:298px;margin-top:1px}.qa_articles_resources_holder ul.qa_articles_resources
li{border-bottom:1px solid #fff}.qa_articles_resources_holder ul.qa_articles_resources li
a{font-family:Arial,Helvetica,sans-serif;text-decoration:none;color:#2179d2;display:block;padding:8px
0 9px 0}.qa_articles_resources_holder ul.qa_articles_resources li a
span{display:block;padding-left:20px;background:url(http://images.articlesbase.com/qa/articles_resources_icon.png) 4px 2px no-repeat}.qa_articles_resources_holder ul.qa_articles_resources li a:hover{background:url(http://images.articlesbase.com/qa/articles_resources_bg_active.png) repeat-y left}.qa_articles_resources_holder ul.qa_articles_resources li a:hover
span{background:url(http://images.articlesbase.com/qa/articles_resources_icon_active.png) 4px 2px no-repeat}.qa_articles_resources_holder ul.qa_articles_resources li
a.active{background:url(http://images.articlesbase.com/qa/articles_resources_bg_active.png) repeat-y left}.qa_articles_resources_holder ul.qa_articles_resources li a.active
span{background:url(http://images.articlesbase.com/qa/articles_resources_icon_active.png) 4px 2px no-repeat}.qa_ask_que_rp{float:left;background:#e7eef7;width:229px;border-bottom:1px solid #cecece}.qa_ask_que_rp
.qa_ask_que_content{float:left;width:221px;background:url(http://images.articlesbase.com/qa/ask_question_box_rp.png) top no-repeat;margin:5px
4px;display:inline;padding-bottom:4px}.qa_ask_que_rp .qa_ask_que_content
textarea{color:#474747;font-size:12px;padding:5px
10px;width:200px;height:80px;margin:5px
0 12px;background:none}.qa_ask_que_rp .qa_ask_que_content
span{float:left;color:#ff6c00;padding-left:5px}.qa_ask_que_rp .qa_ask_que_content
input.qa_ask_btn{float:right;width:82px;height:25px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/ask_btn_rp.png) no-repeat;color:#666;font-weight:bold;font-size:12px;line-height:15px;cursor:pointer}.qa_section_title{background:#f3f3f3;float:left;width:213px;padding:8px;border-top:1px solid #fff}.qa_section_title
h2{float:left;font-size:12px;font-weight:bold;color:#474747}.qa_section_title
a{float:right;color:#06c;text-decoration:none}.qa_section_title a:hover{text-decoration:underline}.qa_recent_que_rp{padding-top:0 !important}.qa_recent_que_rp
ul{float:left;padding:0
10px;border-bottom:1px solid #d5d5d5}.qa_recent_que_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:209px;overflow:hidden}.qa_recent_que_rp ul
li.qa_last{background:none}.qa_recent_que_rp ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:178px;float:left}.qa_recent_que_rp ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_recent_que_rp ul li h3 a:hover{text-decoration:underline}.qa_recent_que_rp ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:205px;float:left}.qa_recent_que_rp ul li p a, .qa_recent_que_rp ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_recent_que_rp ul li p a:hover{text-decoration:underline}.qa_goto_qa{float:left;width:226px;height:26px;background:url(http://images.articlesbase.com/qa/goto_qa_btn.png) no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_goto_qa
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_goto_qa a:hover{text-decoration:underline}.qa_ask_que_wide_box_container{background:#f3f3f3;height:126px}.qa_ask_que_wide_box{width:448px;background:#f3f3f3 url(http://images.articlesbase.com/qa/ask_question_box_wide.png) center 10px no-repeat;height:120px}.qa_ask_que_wide_box
textarea{color:#474747;width:423px !important;padding:15px;margin:10px;font-size:12px;height:63px !important;margin-top:13px;margin-bottom:0}.qa_ask_que_wide_box_container
span{float:left;color:#ff7200;padding:10px
0 0 10px}.qa_ask_que_wide_box_container
input.ask_btn{float:right;width:101px;height:27px;background:url(http://images.articlesbase.com/qa/ask_btn_wide.png) no-repeat;margin:10px
10px 0 0;display:inline;line-height:15px;color:#666;font-weight:bold;font-size:12px;cursor:pointer}.box_title_left{color:#474747;font-size:12px;font-weight:bold}.ask_bottom{clear:both;background:url(http://images.articlesbase.com/signup_bottom.gif) bottom no-repeat;padding-bottom:1px}.ask_container{clear:both;border:1px
solid #ccc;border-bottom:none}.ask_container
.ask_title{background:#f7f7f7;padding:10px;font-size:12px;color:#333}.ask_bottom
.warnings{line-height:16px;background:#f7f7f7;padding:10px
10px 10px 10px;font-size:12px}.ask_bottom .warnings
p{color:#ff0101;padding:5px
10px}.ask_functions{background:#f7f7f7;clear:both;padding:10px
0 7px 0}.ask_functions
.req{float:left;padding-left:50px;color:#797979;line-height:22px}.ask_functions .req
span{color:#ff0101}.ask_functions
.ask_buttons{float:right;width:445px}.ask_functions
a.publish_question{background:url(“http://images.articlesbase.com/qa/answer_it_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;font-weight:bold;margin:17px
10px 0 0;text-decoration:none}.ask_functions a.publish_question
span{background:url(“http://trigger.articlesbase.com/images//qa/answer_it_left.png”) no-repeat scroll left center transparent;cursor:pointer;float:left;height:21px;padding:6px
20px 0 30px}.view_edit_table_empty{border-collapse:collapse;float:left}.view_edit_table_empty, .view_edit_table
th{border:1px
solid #ccc}.view_edit_table_empty td
div{position:relative;top:3px}#qa_answer_form
.warnings{background:none repeat scroll 0 0 #FFF;font-size:12px;line-height:16px;padding:10px
10px 10px 0;color:red}.qa_select_box_holder{display:inline;float:left}.qa_submit_ans_penname_dd{float:right;margin:20px
20px 0 20px}.qa_submit_comment_penname_dd{float:right;margin:20px
20px 0 20px}.qa_submit_ans_btn_loader{float:right;height:50px;padding-top:18px;padding-right:10px;width:10px}.qa_add_comment_btn_loader{float:right;height:50px;padding-top:18px;padding-right:10px;width:10px}.qa_questions_main_box
.paging{width:100%}.qa_report_question{height:365px;margin-top:20px;padding:5px;width:500px}.qa_report_question
label{font-weight:bold;font-size:13px;margin:4px}.report_loader{float:left;padding:5px
0 0 5px}.report_loader
img{float:left}.qa_report_question
.report_subject{border:1px
solid #EEE;height:100px;margin-top:5px;padding:5px}.qa_report_question .qa_report_content
.select{border:1px
solid #ccc;padding:5px;width:100%}.qa_report_question .qa_report_content
textarea{border:1px
solid #ccc;width:100%}.qa_submit_report_btn{float:right;clear:right}.qa_submit_report_btn
input{width:180px;height:27px;padding-left:25px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/submit_ans_btm.png) no-repeat;margin-top:12px;color:#666;font-weight:bold;font-size:12px;line-height:13px;text-align:left;cursor:pointer}.qa_report_question_block
.messages{line-height:16px;padding:10px
10px 10px 10px;font-size:12px;color:#090}.qa_report_question_block .messages
strong{font-weight:bold}.qa_report_question_block
.warnings{background:none repeat scroll 0 0 #FFF;font-size:12px;line-height:16px;padding:10px
10px 10px 0;color:red}.captcha_block{float:right;margin-top:10px}.captcha_block
img{float:left}.captcha_block
label{float:left}.captcha_block
input{float:left;border:1px
solid #ccc;padding:5px;width:140px}.qa_asked_questions{padding:20px;border:1px
solid #ccc;margin-bottom:5px;font-size:12px}.qa_asked_questions
ul{padding:10px
10px 10px 15px}.qa_asked_questions ul
li{list-style:circle}.qa_asked_questions ul li
a{text-decoration:none}.qa_asked_questions ul li a:hover{text-decoration:underline}#qa_right_col{float:right;width:304px}#qa_right_col
p{margin-bottom:10px}#qa_right_col
h2{font-size:14px;font-weight:bold;border-bottom:1px dotted #dddddf;margin-bottom:10px;padding-bottom:3px}#qa_right_col
h3{font-size:11px;color:#1674D1;font-weight:bold}a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:17px
10px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}a.qa_answer_it
span{float:left;background:url(http://images.articlesbase.com/qa/answer_it_left.png) left no-repeat;height:21px;padding:6px
20px 0 30px;cursor:pointer}a.qa_answer_it:hover{text-decoration:underline}.qa_question_mark{float:left;width:61px;min-height:185px;_height:185px;padding:12px
0 0 0}h1.qa_related_header{border-bottom:1px dotted #dddddf;margin-bottom:10px}p.qa_related_question{font-size:12px;line-height:18px;margin:3px
0}p.qa_related_question
a{text-decoration:none;color:#1573D0;font-weight:bold;padding-left:18px;background:url(http://images.articlesbase.com/qa/bullet_arrow.png) left no-repeat}div
.question_required{float:left;display:block;color:#999;font-size:10px;margin:3px
2px 0 59px}div
.remaining_characters{float:right;display:block;color:#FF7200;font-size:10px;margin:3px
2px 0 auto}textarea.qa_question_textarea{width:550px;height:100px;color:#666;font-size:12px;line-height:18px;margin:3px
0 6px 16px}.qa_answer_box
.ask_row{width:580px;float:right;padding:6px
5px 6px 0}.qa_answer_box .ask_row
.col_left{float:left;width:100px;padding-left:10px;text-align:left;line-height:23px;font-size:12px}.qa_answer_box .ask_row .col_left
label{width:100px}.qa_answer_box .ask_row
.col_right{float:right;width:450px;padding-left:5px}.qa_answer_box .ask_row
input.txt_box{border:1px
solid #ccc;padding:5px;width:433px;font-size:12px;border-radius:4px}.qa_answer_box .ask_row
select.txt_box{border:1px
solid #ccc;padding:5px;width:444px;font-size:12px;border-radius:4px}div.qa_required_hint{float:left;width:300px;margin-top:5px}span.required{color:red}.qa_bottom#qa_ask_form{margin-top:10px;border-top:1px dotted #dddddf}.qa_bottom#qa_ask_form
a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:5px
10px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}.qa_bottom#qa_related_questions{float:left;width:646px;height:27px;background:url(http://images.articlesbase.com/qa/question_box_bottom_small.png) no-repeat}.qa_question_content#qa_ask_form{float:left;width:526px;padding:22px
15px 15px 20px;position:relative}.qa_article_section_title{background:#e0e7f2;float:left;width:282px;padding:8px;margin:-10px 0 0 2px;border-left:1px solid #d5d5d5;border-right:1px solid #d5d5d5}.qa_article_section_title
h2{float:left;font-size:12px;font-weight:bold;color:#474747}.qa_article_section_title
a{float:right;color:#06c;text-decoration:none}.qa_article_section_title a:hover{text-decoration:underline}.qa_article_rp{padding-top:0 !important;margin:-2px auto auto 2px}.qa_article_rp
ul{width:278px;float:left;padding:0
10px;border:1px
solid #d5d5d5;margin:0}.qa_article_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:276px;overflow:hidden}.qa_article_rp ul
li.qa_last{background:none}.qa_article_rp ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:250px;float:left}.qa_article_rp ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_article_rp ul li h3 a:hover{text-decoration:underline}.qa_article_rp ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:284px;float:left}.qa_article_rp ul li p a, .qa_article_rp ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_article_rp ul li p a:hover{text-decoration:underline}.qa_goto_qa_article{float:left;width:288px;height:31px;background:url(http://images.articlesbase.com/qa/goto_qa_btn_big.png) 2px 0 no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_goto_qa_article
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_goto_qa_article a:hover{text-decoration:underline}.qa_goto_qa_article_empty{float:left;width:288px;height:11px;background:url(http://images.articlesbase.com/qa/goto_qa_btn_big_short.png) 2px 0 no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_article_question_box{float:left;width:794px;padding:0
0 5px 0;margin-top:15px;display:block;background-color:#E7EEF7}.qa_article_question_box
#qa_container{float:left;height:180px;margin-left:9px}.qa_article_question_box
.qa_top{float:left;width:794px;height:28px;background:url(http://images.articlesbase.com/qa/qa_form_title_bg.gif) no-repeat}.qa_article_question_box .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}.qa_article_question_box #qa_container
.qa_right_panel_content{float:left;width:320px;padding:9px;margin:0
2px;display:inline}.qa_article_question_box
.qa_article_related{display:block;padding-top:0 !important;margin:35px
auto auto 2px}.qa_article_question_box .qa_article_related
ul{background-color:#fff;width:398px;float:right;padding:0
10px;margin:0
11px 0 0}.qa_article_question_box .qa_article_related ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:400px;overflow:hidden}.qa_article_question_box .qa_article_related ul
li.qa_last{background:none}.qa_article_question_box .qa_article_related ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:370px;float:left}.qa_article_question_box .qa_article_related ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_article_question_box .qa_article_related ul li h3 a:hover{text-decoration:underline}.qa_article_question_box .qa_article_related ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:284px;float:left}.qa_article_question_box .qa_article_related ul li p a, .qa_article_question_box .qa_article_related ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_article_question_box .qa_article_related ul li p a:hover{text-decoration:underline}.qa_article_question_box
.qa_ask_form{background:#f3f3f3}.qa_article_question_box .qa_ask_form
.qa_ask_que_content{float:left;width:340px;height:165px;background:url(http://images.articlesbase.com/qa/ask_question_box_big.png) top no-repeat;margin-left:5px;margin-top:5px}.qa_article_question_box .qa_ask_form .qa_ask_que_content
textarea{background:none;font-size:14px;color:#474747;padding:5px
10px;width:317px;height:115px;margin:5px
0;overflow-y:auto}.qa_article_question_box .qa_ask_form .qa_ask_que_content
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px}.qa_article_question_box .qa_ask_form .qa_ask_que_content
input.qa_ask_btn{float:right;width:101px;height:27px;padding-bottom:3px;background:url(http://images.articlesbase.com/qa/ask_btn.png) no-repeat;margin:11px
0 0 0;display:inline;font-size:12px;font-weight:bold;color:#666;line-height:15px;cursor:pointer}.qa_ask_form_wide_top{width:775px;height:8px;margin-top:4px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_big.png) top no-repeat;background-position:0px 0px}.qa_ask_form_wide{float:left;width:775px;height:80px;padding:10px
12px 0 0;margin:6px
0 0 0;background:url(http://images.articlesbase.com/qa/sprite_background_repeat_y.png) repeat-y;background-position:0px 0px}.qa_ask_form_wide_bottom{float:left;width:775px;height:27px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_big.png) bottom no-repeat;background-position:0px -10px}.qa_ask_form_wide
.qa_ask_que_content{float:left;width:775px;height:129px;margin-left:5px;margin-top:5px}.qa_ask_form_wide
textarea{background:none;font-size:14px;color:#474747;padding:0
10px;width:741px;height:100px;margin:5px
0;overflow-y:auto}.qa_ask_form_wide_bottom
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px}.qa_ask_form_wide_bottom
input.qa_ask_btn{float:right;width:101px;height:27px;padding-bottom:3px;background:url(http://images.articlesbase.com/qa/ask_btn.png) no-repeat;margin:11px
0 0 0;display:inline;font-size:12px;font-weight:bold;color:#666;line-height:15px;cursor:pointer}]]>C){w.yPosition=C;this.trace(“updated entry: “+o.entryToString(w),1)}}else{w={url:B,isBackground:y,yPosition:C,isInlined:x.isInlined};D[B]=w;this.trace(“new entry: “+o.entryToString(w),1)}};o.getUrlDetails=function r(w){var x=null;var y=false;if(w.indexOf(“mhtml:”)==0){x=w.substring(w.indexOf(“!”)+1);y=true}else{if(w.indexOf(“data:”)==0){x=w.match(/.*origUrl=(.*),/)[1];y=true}else{if(w.indexOf(“http”)==0){x=w}else{o.trace(“ERROR! not a valid url: “+w,5)}}}return{originalUrl:x,isInlined:y}};o.entryToString=function b(w){return(“ListEntry : url: “+w.url+”, isBackground: “+w.isBackground+”, yPosition: “+w.yPosition+”, isInlined: “+w.isInlined)};o.printList=function(x){sortedList=o.convertUrlsMapToSortedArray(x);for(var w=0;w

Free Online Articles Directory

Why Submit Articles?
Top Authors
Top Articles
FAQ
AB Answers

Publish Article

Hello Guest
Login

Login via

Register
Hello
My Home
Sign Out

Email

Password

Remember me?
Lost Password?

Home Page > Education > College and University > Free College Grant Money: More Sources

Free College Grant Money: More Sources

Edit Article |

Posted: Mar 15, 2008 |Comments: 0
| Views: 296 |

Share

If you need college grant money, this article is for you. More sources for grants mean more opportunity to get money. Money you can use for tuition, textbooks, living expenses, a computer, transportation, and other student expenses.

Let’s get into the sources. First of all, have you heard of Ted Kennedy? He is the senate chairman of the education committee. Recently, he and President Bush came to an agreement on education finance. As a result, over $20 billion will move from other programs into the Pell grant program – which you may have applied to.

Everybody knows about Pell grants. Just thought you’d like to know that more people will receive Pells in the years ahead. Now on to more sources you may not have heard of yet.

Have you heard of the National Sea Grant College Program? It is an office of the federal government that studies seas and oceans. They offer grants to college students in every coastal and great lakes state. Think about all that coastline – that’s a lot of states! This is their website:

http://www.education.noaa.gov/students.html

Also, NASA offers a college grant program. NASA has several outreach programs for students, for students at all levels. For higher education, NASA offers a grant and scholarship program for space research projects. Go to this link, and click for students and then higher education:

http://www.nasa.gov/

The above programs are great. And the federal government offers in addition to the Pell grant, the Federal Supplemental Equal Opportunity Grant (FSEOG), the Academic Competitiveness Grant (ACG), and the Science and Mathematics Access to Retain Talent Grant (SMART grants). To learn more about these federal programs, you can go to:

http://studentaid.ed.gov/PORTALSWebApp/students/english/grants.jsp

But that’s just the start. You may not have enough for school even after all the federal programs listed above. Many more programs exist for you to check into for college grant money. For instance, have you checked with your state lately?

Every one of the fifty states has at least one program of its own. Some, like California and New York State, have several. You might be surprised when you look up your state. You can get government money for college all across the country.

And it doesn’t stop their. Do you live in a territory or the District of Columbia? Puerto Rico and Washington D.C. both have excellent student grant programs. The only territory you might have trouble with: The Northern Marianas, you know, Saipan, Tinian, Rota, it’s an island chain. And maybe American Samoa. Otherwise, you should find a program you can apply to for aid.

As you might expect, some of the smaller states don’t compare to the large, more populous ones. These will have fewer programs, perhaps just one or two. The large states, like Texas, will have many more. Having choices in your college funding helps as you look for tuition money. This short article search for grants.

Some states offer grants for students at vocational schools or even for part time students or nontraditional students returning to school. Very helpful that people have set up programs like this for so many who need help.

One other idea. Many states have banded together to offer discounts and exceptions for out of state students in certain cases or for certain schools. I hadn’t seen these agreements before researching and writing about government money for college opportunities. It turns out that a group of states in the Rockies and west formed an alliance, as did a group of states in the south. A few plains states also offer waivers, but not as a group.

This can help you attend a good school that would normally be out of reach if you fall in the right category. Instead of paying out of state tuition, you can get an exception and pay in state tuition as if you were a normal resident, and finish your degree.

For state programs, take a look at your state government site and look for higher education programs. Then, look for a grants page or one about financial aid. With some looking, you can find these great programs.

Retrieved from “http://www.articlesbase.com/college-and-university-articles/free-college-grant-money-more-sources-360625.html”

(ArticlesBase SC #360625)

Liked this article? Click here to publish it on your website or blog, it’s free and easy!

Kevin Ihrig -
About the Author:

Want more information on free college grant money? Visit my site and download my new ebook on grants across the USA, where I have done the research for you at Free Grant Ebook and learn more.

Questions and Answers

Ask our experts your College and University related questions here…200 Characters left

Not enough money to buy diapers. She wont pee on potty. We need help! Is there a program to recieve free diapers ASAP?
I am from england and i ordered a free trial and it has taken out £50 from my account. It has come from the USA and I want to return the products unopened and get my money back!
I am a 37-year old single mom wanting to get an online degree in alternative medicine or holistic therapy. My only income is child support. Where can I find grant money?

Rate this Article

1
2
3
4
5

vote(s)
0 vote(s)

Feedback
RSS
Print
Email
Re-Publish

Source: http://www.articlesbase.com/college-and-university-articles/free-college-grant-money-more-sources-360625.html

Article Tags:
college grant money, money for college, tuition, student loan

Money for Small Business From the Sba

Free Online Articles Directory

Why Submit Articles?
Top Authors
Top Articles
FAQ
AB Answers

Publish Article

0 && $.browser.msie ) {
var ie_version = parseInt($.browser.version);
if(ie_version Hello Guest
Login

Login via

Register
Hello
My Home
Sign Out

Email

Password

Remember me?
Lost Password?

Home Page > Business > Money for Small Business From the Sba

Money for Small Business From the Sba

Edit Article |

Posted: Aug 13, 2007 |Comments: 0

|

Share

]]>

While poor management is often cited most frequently as the reason businesses fail, inadequate financing is a close second. Whether you’re starting a business or expanding one, sufficient capital is essential. But you must also have the knowledge and planning required to manage the financing correctly. Some of the commons mistakes to avoid include: securing the wrong type of financing, miscalculating the amount required, or underestimating the cost of borrowing money.

If you work through your local Small Business Development Centers (SBDC), the advisers there help you in your SBA loan application as well as help you avoid some of those mistakes. The SBA loan programs are operated through private-sector lenders that provide loans which are, in turn, guaranteed by the SBA. Most private lenders (banks, credit unions, etc.) are familiar with SBA loan programs. Working with the SBCD can help facilitate your applications because they are a government agency that have experience helping to get money for small business and they have existing relationships with local banks.

WHAT ARE SOME OF THE POSSIBLE LOANS AVAILABLE FROM SBA

The loan guaranty which SBA provides transfers the risk of borrower non-payment, up to the amount of the guaranty, from the lender to SBA. Therefore, when a business applies for an SBA Loan, they are actually applying for a commercial loan, structured according to SBA requirements, which receives an SBA guaranty.

7(a) Loan Guaranty Program – One of the SBA’s primary loan programs is called 7(a) and offers loans of up to $1,000,000. (the maximum dollar amount the SBA will guaranty is generally $1 million.)

Certified Development Company (CDC), a 504 Loan Program – Provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization. Typically a 504 project includes a loan secured from a private-sector lender (local bank) with a senior lien, a loan secured from a CDC (funded by a 100 percent SBA-guaranteed debenture) with a junior lien covering up to 40 percent of the total cost, and a contribution of at least 10 percent equity from the borrower.

SBA loan financing is provided for a wide range of businesses. Some examples of the types of businesses that can apply for a small business loan through the SBA include: Assisted living facilities, Auto businesses, Business supplies, Chiropractors, Construction loans, Convenience stores, Day care centers, Franchises, Funeral homes, Gas stations, Hotels/motels, Nursing homes, Restaurants, and Women-owned businesses. SBA loans are also available for professional service businesses like Doctors, Dentists and Veterinarians.

WHAT ARE SOME OF THE BENEFITS OF SBA LOANS

Less Money Down – You can leverage your personal or investment capital harder with an SBA-guaranteed loan, which means you can get more done with less up-front investment.

Longer Payback Terms – You can improve your cash flow with lower monthly payments. And where possible, you can fix a better match between loan terms and the longer-term rates of depreciation for capitalized equipment or real estate.

Lower Interest Rates -Because the SBA absorbs a significant percentage of the lending bank’s loan risk, the bank can lend at a lower interest rate

No Balloon Payment Required -You can establish terms that minimize your monthly payment without attaching a large pay out at the end of the loan.

WHAT ARE SOME OF THE QUALIFICATIONS NECESSARY TO SECURE AN SBA LOAN ?

• Business Plan – you must not only know how to make a business plan, but make sure it includes some of the following essentials: The unique marketing strategy and advantage of the product or service you are offering; the strength and experience of the small business management team; and the purpose of the loan

• Cash Flow Statement – this cash flow statement must show the revenue stream and income available to pay back the loan in 5-7 years time.

• Credit History – to have both acceptable personal and business credit history

• Personal Equity Investment – the SBA and lenders want to know that you have personally invested money in your small business – which is usually between 10-20% of what is needed.

• Security and Guarantee for Loan – the SBA will require you to pledge available business assets, and in some cases, personal assets to secure your loan.

Whether you are a start up or if you have a successful small business and need money for expansion and growth, the SBA is a very reasonable and easy way to get the business financing you need.

How To Get A Small Business Loan

To get a small business loan, a firm requires submitting an appropriate application form. There are different types of application forms for different categories of loans. The information furnished in the application covers, inter alia, the following: the name and address of the borrower and his establishment; the details of the borrowers business; and the nature and amount of security offered.

The application form has to be supported by various ancillary statements like the financial statements and financial projections of the firm. The application is then processed. This primarily involves an examination of the factors like ability, integrity and experience of the borrower in the particular business. General prospects of the borrower’s business, purpose of grant, requirement of the borrower and its reasonableness are also taken into perspective when granting loan.

Once the application is duly processed, it is put up for sanction to the appropriate authority. If the sanction is given by the appropriate authority along with the sanction of loan, the bank specifies the terms and conditions applicable to the loan. These usually cover the amount of loan or the maximum limit of the grant, the nature of the grant, the period for which the grant will be valid, the rate of interest applicable to the grant, the primary security to be charged, the insurance of the security, the details of collateral security, if any, to be provided, and the margin to be maintained.

Working capital advances are provided by commercial banks in three primary ways: cash credits/overdrafts, loans, and purchase/discount of bills. In addition to these forms of direct finance, commercial banks help their customers in obtaining credit from other sources through the letter of credit arrangement. Under a cash credit arrangement, a predetermined limit for borrowing is specified by the bank. The borrower can draw as often as required provided the outstandings do not exceed the cash credit limit.

Retrieved from “http://www.articlesbase.com/business-articles/money-for-small-business-from-the-sba-197862.html”

(ArticlesBase SC #197862)

Liked this article? Click here to publish it on your website or blog, it’s free and easy!

Smith & Chen -
About the Author:

Smith Chen is an author and internet marketing consultant. Find more about wood way and review page credit loan

Questions and Answers

Ask our experts your Business related questions here…200 Characters left

Hi there we have opened a small business in ontario and need more money for inventory and advertising are we eligable for anything like this?
Where can I take a class tolearn about buying a business? A franchise or small business…so I don’t make any errors when investing my lifetime savings?
I am buying a small business and my solicitor is insisting that i have an asbestos report but the vendors solicitors say it is not needed as the building is too small

]]>

Rate this Article

1
2
3
4
5

vote(s)
0 vote(s)

Feedback
RSS
Print
Email
Re-Publish

Source: http://www.articlesbase.com/business-articles/money-for-small-business-from-the-sba-197862.html

Article Tags:
small business, loan application, cash credits, financing

Obama Wants to Pay Off Your Personal Debt – Use His Debt Relief Program to Apply for Grant Money

A government grant is a great facility of debt relief but is not such popular amongst most of us. People need awareness regarding these relieves. You may be surprised to know that there are billions of dollars kept aside as a relief fund for deserving ones.

Usually they think that the procedure is too difficult or they might have to show or give securities against it, but it is not like that. It is logical fact that if most of the people would be suffering with debs the economy of the country has to suffer, as people are not in a position to buy anything. That is why they should be first free from debts to secure the economy of their own country. Rather than applying for another loan, it is easier and safe to apply for government grant. Unlike loans, these government grants do not require collateral or any such security.

These relieves can be granted for planning a new business, or to get rid of previous heavy debts. Grants can also be requested to clear off debts incurred due to various reasons such as health care, business expenses, education etc.

Grants are easily given to the people who are able to prove that they are not in a situation to pay off their debts. The social service office studies the financial position of the needy one in detail, outstanding debts and repayment capability of that individual. This is to make sure that the grant is usually given to the real needy people who have no possibilities to pay them at all.

***Update***
I have done a bit of research for you. These Government Grant Experts can help you get the grants you deserve by helping you get out of debt fast. You can find out if you qualify for a Government Grant for free!

Click here to fill out a short form to save your finances and get out of debt as early as this week!

Getting Small Business Grants

Small Business Startup Grant Money – women Business Grants Money

Free College Grant Money: More Sources

Money for Small Business From the Sba

Obama Wants to Pay Off Your Personal Debt – Use His Debt Relief Program to Apply for Grant Money

Disclaimer

Recent Posts