Created in 1955, the Mitchell-Lama program provides affordable rental and cooperative housing to moderate- and middle-income families.

In other words, your rent goes by your income. This is an excellent program because all of the apartments are rent-stabilized.

Check out the list here

Do you have the urge to teach students in  public or private elementary or secondary school that come from low-income families?

Well if you do, the government has a way of helping you out. It’s called the TEACHER GRANT Program. This program is designated to help students who are interested in helping underprivileged kids.

Most of us can’t deny that in the “bad” neighborhoods, the schooling system sucks. So if you can help, try it. It will make a difference in a child’s life.

Check it out

Want to learn how to use EXCEL, POWERPOINT, WORD or some IT Training for free? Collect your vouchers now at your local “ONE STOP” office.

Click here, to see if it’s offered in your state, while your on the site go to the “FAQ” page for more answers to your questions.

Are you unemployed? I can imagine how hard it is, well let me change that, I KNOW how hard it is, being unemployed myself.  I started researching ways to improve my knowledge in my field of work to improve myself.

So looking through the NYS Department of Labor website, I came across a lot of information.

Did you know you can get a GRANT to pay for a school that will help you get the training you need to enhance your knowledge in your field?

In order for you to get approved, you first have to go to your local “One Stop Location”, which is basically an office that is set up to help you. There you’ll have to fill out forms, go to orientation and meet with Account Managers, Career Advisors and Trainers that will help you go through this procedure.

There is also the “599” program which help you collect unemployment while you are in school. In order for you to get approved for this program, you must be in school at least 12 hours a week.

These programs are excellent and you should take advantage of them if you want to improve YOU.

W.I.C provides supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk ( you still can get it if your not..lol)

It’s one of the best programs and I’ll tell you why. How many of us really take a look at what you eat and what’s IN what you eat? Well W.I.C helps you with this.  When I was pregnant with my first son, I applied for W.I.C, met with nutritionist, yes, you have to go through a process (nothing in life is easy) and he explained to me why you can only get certain items with W.I.C.

Most of the food items provide you with the nutrition and calories you need for you and your child. I did, however breastfed both my sons for about 10 months. (I think this is best way to go, the pain only lasted for the one week for me, and yes I sucked it up! It’s all for the kidsJ)

So for more information on a W.I.C center by you, check it out here

The Food Stamp Program provides food support to low-income New Yorkers including working families, the elderly and the disabled to increase their ability to purchase food.

Times are hard and there is nothing wrong with asking for some help. Especially when the term “help” literally means  putting food in your child’s mouth.  Don’t be ashamed to go to your local Food Stamp Center and ask question to see if you qualify.

This program is available in ALL STATES.

Call you local office here to get more info.

1998, Ted Forstmann and the late John Walton launched the Children’s Scholarship Fund, a program that would empower the parents of 40,000 low-income children across the country to send their children to private schools for four years.

The Children Scholarship Fund is geared to help parents who really can’t afford to pay for their child’s school and need help. 

Parents are encouraged to apply. It doesn’t hurt to try.

Check out your city here.

If you are trying to start your own business and need some financial back up, you better get a BUSINESS PLAN together.

Why? You might ask, because NO INVESTORS will even talk to you unless you have a business plan! That’s right. Investors want to know why, what, where, and HOW MUCH. Just think of your business plan as your “directions to enterprise.”

In order for you to even start writing one, you must have a clear understanding of your business customers, strengths and competition. The plan should be a strong communication tool for your business and it will help you define your purpose, your competition, your management and personnel. The process of constructing a business plan can be a strong reality check: I’m I ready for this? Do I have the proper backing? I’m I ready to put all my life savings into this business?
Check out bplans.com and look at all the FREE, that’s right, FREE samples of business plans.

Some characteristics of the wealthy are born, not bred. But there’s plenty you can do to make your children smarter at saving.

By Abby Ellin

This is one of the best kept secrets. Did you know you can get up to $17500 towards your first home? Yes, you read it right. You can receive up to $7500 from the bank that you start your “Home Buyers” account with and than get a additional $10,000 after you take a class on homebuying.

Isn’t that great? It’s a process and you must have a JOB.

It works like this:

1. You call the bank that you want to open the account with ( must be a bank that participates in this program)
2. They will see if you meet the requirements
3. You fill out the application
4. Read the contract and sign
5. Open an account with x amount of money that you are required to.
6. START SAVING TOWARDS YOUR HOME!

You must also adhere to all the stipulations in the contract.

Check it out here to see if you qualify, and yes, you must meet the income bracket.