This recession is hitting every hard. Many families are finding it nearly impossible to pay all their bills, especially if they have lost their jobs. And if you are stuck, unable to come up with enough money each month to make ends meet, you may be in luck with ntmoney.com”>government grants to pay bills.

In a country as rich as America and with as much money Uncle Sam takes in every year from our taxes and gives out to other countries, there is absolutely no reason whatsoever that any American should be living without the basic necessities. It is a crime. But, unfortunately, many citizens have no idea that there is government help available…or maybe some are just too lazy to apply for it. Either way, the government sets back billions of dollars each and every year to help Americans with bills such as heating, rent, and food, much of which may go unclaimed each year.

>Each and every state in this country has some sort of government grant money to help people with certain bills. Each state gives these government grants to pay bills a different name such as heating assistance or utility assistance, but each one gives money for the same thing, which is to help pay the heating/air conditioning electric bills.

And, if your house is not energy efficient, you can also find grant money for bills that include putting in insulation in the attic, walls, or floors or to replace windows.

But those are not the only government grants to pay bills you can find. If you are at risk of losing your home to foreclosure, then you may be able to get assistance from a new government program through the recovery act in which you may be able to obtain a fixed rate mortgage with a lower payment, this allowing you to be able to pay your mortgage and keep your home.

However, if you are a renter and not an owner, you may be able to qualify for a housing voucher, allowing you to find affordable, clean, and safe housing for you and your family that is not located in a housing project area.

Plus if you qualify, you may be able to receive temporary financial assistance and job training in order for you to be able to make more money, thus being able to pay your bills with greater ease.

Lastly, there are even grants to help cover the cost of groceries and healthcare for those who apply and qualify. Plus, if you are interested in going back to school or starting a business, you may even be able to find and acquire grants in those areas too.

But remember, you must apply for these government grants to pay bills. They will not come to you, so do your research and find all the available grant sources you can, or take advantage of the grant kits and their free trials, which can save you time in the long run.

If you’ve been looking into investing in government foreclosures, you’re on the right track. As far as investing in property goes, you can’t beat the profit potential inherent in tax foreclosure properties. If you bypass the tax sale auction and purchase directly from the owners themselves, you stand to find some pretty good deals. (See http://deedgrabbers.com for more info on buying directly from owners.) However, even if you hate owning property, you can still get real estate sized paydays from government foreclosures a different way.

How? By focusing on the overages created at tax sale.

When more is bid for government foreclosures than is owed in back taxes, the government keeps that excess money for the owner to collect (this is true in most cases for both mortgage foreclosure sale, and tax foreclosure sale). If the owner never comes to get the money, after a few years the government gets to keep it. Unfortunately, since many owners have moved on from their last known address, they aren’t notified of the funds, and lose the money – permanently, with no recourse. That’s where you come in.

As a “found money pro”, or someone who researches these overages, you can easily make a six-figure income notifying people of the money they are unaware of. How? Two simple words: finder’s fees. Huge insider loophole: while in most states, state unclaimed funds have a cap to the percentage you can charge for a finder’s fees, most of these real estate created funds do not. This means that you can charge 30-50% (industry standard) for your assistance in recovering these funds. Is this ethical? Yes. Without you, 99% of the time, these owners will never find out about this money, and will lose it permanently. Most owners are more than happy to pay your fee and receive 50-70% than to receive 100% of nothing.

Especially in the current economy, more government foreclosures are happening than ever before. These overages regularly run into the tens of thousands of dollars. So for example, when you locate a $40,000 overage and get the owner under contract to allow you to assist for a 40% fee, when all is said and done, you’ll walk away with a $16,000 paycheck. Not bad for a few days’ work, is it?

If you’ve had more than one job in your life, chances are you have a few super accounts – you may have even lost track of some of them! Consolidating your super is about finding all your super monies and moving them into one account – so you can get clear view of your super and really start to make your money work for your retirement.

The difference over 30 years for an investor who has one fund with a balance of $7,200 and annual administration fees of $60, compared to an investor with six super funds, each with balances of $1,200 and annual administration fees of $60 each, is around $14,000.

Learn more about consolidating your super in three easy steps:

Benefits of consolidating your super

The biggest advantage of combining your super accounts is the potential savings in administration fees. Generally, the larger your super account balance the smaller the proportion of fees you’re charged for that account. So if you’re paying a number of account fees, you can reduce the amount of fees you pay by reducing the number of super funds you have. Another advantage of consolidating your superannuation is less paperwork. Having one super account means you only have one set of paperwork to manage. This could make it easier to keep on top of your super and understand exactly how it’s performing. By adopting a more focused investment strategy, you might end up achieving a better return on your investment and work towards a fulfilling retirement.

Consolidating your super is not just about saving money in administration fees, it’s also about giving your super the potential to really grow. With the power of compounding returns, the money you save in fees could really help grow your super balance.

Things to be aware of before moving your money

There are some things you should consider before you move money out of a super fund. Firstly, check to see if your super fund charges you an exit fee?. This means you could incur upfront withdrawal or exit fees for moving your money out of these funds. Depending on the number of super accounts you currently have, your upfront exit costs could end up being higher than your total savings in administration fees.

Secondly, your decision to move money out of a super fund could impact the level of insurance cover you had through that fund. It’s possible your insurance cover could be discontinued when you move between funds, or you may not be able to obtain equivalent cover in the new super fund. It is recommended that you check any exit fees that may be payable to your other fund(s), and any insurance cover you may have that cannot be replicated, before making the decision to move and consolidate your money.

Once you have weighed up the benefits against the costs of moving super funds and do decide to consolidate; here are a few tips to keep in mind:

How do I consolidate my super?

Consolidating your super can be made easy depending on the facilities that your super fund of choice has to provide. For instance, check with your super fund of choice if they have any tools which can provide you the required forms that need to be sent to your other super funds to authorise the transfer of funds to your new fund account.

Otherwise simply get the ‘Request To Transfer’ form relevant to your super account of choice and fill this in to get the ball rolling with the consolidation of your super funds. Just make sure you have the right proof of IDs attached to your forms to help your new super provider organise the account.

Doing what’s best for you, and your super

There are new rules designed to keep super safe from money laundering and terrorism-financing for all Australians. This means proof of identity is required to move money around the super system. It’s a small extra step in the process to protect your money. Proof of identity can be as simple as a certified copy of your driver’s licence or passport. If you don’t have either of these documents, contact your new super provider to get more information. There are other documents that can be certified as proof of identity.

Find your lost super

One in three Australians have lost or unclaimed super, totalling almost $12 billion as mentioned by ASFA media release on the 21st of December 2007.

The Australian Tax Office (ATO) provides a free ‘SuperSeeker’ service to help people locate super accounts they’ve lost track of. If you’ve changed jobs more than once, chances are you’re likely to find some super money through the ATO.

To use ‘SuperSeeker’, have your Tax File Number ready and visit www.ato.gov.au/super or call the ATO on 132 865.

Debt Relief Grants From The Government

With the availability of debt grants, anyone can get debt relief from the government to pay off bills and avoid any further financial damage. These government debt relief grants are available to American citizens who are at least 18 year old and meet the qualifications. Once approved, you’ll receive a check in the mail to pay off debt, which you will never have to pay back. Interestingly, even though millions of people are receiving debt grants, these programs tend to be a well kept secret. Since the government does not spend money on marketing and advertising debt relief grants, you simply just have to know about them on your own.

The government is mandated to give this money away. Every year it budgets over $20 billion to give financial aid to people who are facing financial hardship, and this money has to be given out as long as the budget remains. Unfortunately, because of the lack of education, many of these debt grants go unclaimed. For those who are aware of these programs, this presents plenty of opportunity to receive free grant money from the government. Debt grants are offered by a variety of government agencies. Your local community may offer debt grants, and you can find debt relief programs through your state government as well. All you need is to a little detective work to find available funds that you qualify for, and then ask for the money.

When you find the debt grants you are interested in applying for, simply read the instructions on how to qualify and submit your application. It could be as simple as filling out a quick form and waiting for a check to arrive in the mail. Generally there is no credit check, no down payment, and no collateral needed. It’s just free money from the government you’ll never have to repay.

To learn more about debt relief, the federal debt relief program, and how to get started, please visit: DebtRelief.bz

Note that a winning bidder will take title to the vehicle and possession of the vehicle immediately upon payment of the winning bid amount. No financing is available. You must have a valid driver’s license. If you are serving a federal sentence, you are prohibited from bidding on your own vehicle. When the auctioneer calls “sold”, the vehicle is sold, and no late bids will be accepted.
When you become a member of MarshalAuctions.com, you get state by state listings of all the Marshal Auctions, Government Auctions, and other auctions for all 50 states, so no matter what state you are in you will find vehicles for sale near you. We also include the online Marshal Auction listings and Government Auction listings which you can bid on from anywhere.
Usually the vehicles are in good working order, but prior to bidding you should ask the auctioneer if there is anything wrong with the vehicle. Usually, you can also physically inspect the vehicles before you bid, up to one hour before the auction begins. If you have any questions, just ask the auctioneer before the auction begins.
http://januszek13.marshals.hop.clickbank.net

……………………………………………………………………

Why You Will NOT Buy a Quality Car Cheaper Elsewhere.

Welcome to Gov-Auctions, America’s most trusted & largest resource for Government & Police, live & online car auctions of Government pre-owned and seized cars, trucks, & SUV’s.
Every month across the United States, thousands of vehicles are seized by different Government agencies (IRS, DEA, FBI) & Police departments and auctioned off to the public. Due to certain laws these vehicles are listed and sold at up to 95% OFF their original value. Many auctions start at $100. Government pre-owned/surplus vehicles are well maintained and are usually only 2-3 yrs old. We offer you immediate access to 4,000+ updated auctions nationwide, NOT searchable elsewhere on the Internet and with guaranteed listings in every state.

http://scrnch.me/v5u9s
………………
http://69b813kc9cbayoa2z31qawdr50.hop.clickbank.net/  

GOVERNMENT, POLICE, AND STATE AUCTIONS

auctionsPASS shows you where and when government auctions will be held.
Pay a fraction of the actual value. Purchase Directly from source & save!
Listings in every US city and state
Purchase Directly from source & save!
Millions of dollars of seized and unclaimed property.
Thousands of great deals including cars, houses, boats, jewelry, antiques, and much more.
Auctions on behalf of local, state, and federal law enforcement agencies.
http://scrnch.me/77a4q

Ps.
Find bargains from over 2000 auction sources
http://scrnch.me/szzwe

http://9026f9cg7o04tr55mslru8w216.hop.clickbank.net/

…………………………………………………………………………………………………..
FREE CARS

http://januszek13.thefreecar.hop.clickbank.net         http://a6304eqlxl1-mu8hobuklbs30f.hop.clickbank.net/       http://scrnch.me/pk5hi

Drive a BRAND NEW CAR for FREE*!

DID YOU KNOW?

You can drive a brand NEW car for free*!
You can GET PAID every month to drive your own car like you normally do!
All over the world people are getting FREE* CARS! TheFreeCar shows you how to get a brand new car at NO COST* or get paid to drive if you already own a car!
HOW IS THIS POSSIBLE?
There is NO CATCH, NO HIDDEN COSTS! The sponsor companies will let you drive their NEW cars FREE* or PAY you to drive your own car just for decorating the car with their messaging!

Get started and apply today to any sponsor from our database of companies that offer FREE* cars or pay to drive! For a one-time fee only, apply immediately for your FREE* new car or to get paid to drive your own car like you normally do!

http://scrnch.me/pk5hi

……………………………………………………………………………………………

Free Cars by Free Car Index

The Internet’s Most Complete Database of Free Cars

Are you looking to make some extra cash each month or to drive brand new, free cars with cool advertisements on them? If so, come join the hundreds of our valued members that are driving their own cars wrapped in advertisements and the other hundreds of our members driving brand new, free cars with awesome advertisements on them.

* Get paid up to $500 per month to drive your own car with an advertisement on it.
* Or, drive a FREE car, truck, or SUV with an advertisement already on it.

People all over the world are being given brand new, free cars to drive, all without having to worry about making a car payment or paying for maintenance.

Others are earning a great deal of money for simply having a magnetic/vinyl advertisement placed on their own car, while continuing to drive their normal everyday routes.

http://scrnch.me/m9tz4

http://6230ebb84rd3mpb-w8i5cbrcon.hop.clickbank.net/

…………………………………………………………………………………….
http://2a38deijyn-8zycxcffdyhayat.hop.clickbank.net/
http://scrnch.me/prthn

The Lazy Way To Buy And Sell Cars For Profit

Most People Are Too Busy Earning A Living To Make Money
“Lazy Surfer Dude From California Reveals His Recession Proof Secrets For How You Can Make $300 To $3000 PROFIT In As Little As 2 Hours Buying And Selling Used Cars From Home…Part-Time…Or Full-Time…With No Previous Mechanical Or Sales Experience…And He Calls His Techniques…”

Dear Reader,

You can buy and sell cars for profit from anywhere in the free world. You can make big money buying and selling used cars in small towns…and big cities…during roaring economies…and even deep recessions. How is this possible?
The answer is simple because…  Even cheap new cars now cost as much as a house used to…and every year the cost of a new cars rises even more.
Its no wonder that more and more buyers either can not afford to buy a new car, or they just refuse to buy something that will lose HALF its value in the first 3 years!
And due to those factors, good ol’ common sense says that the demand for used cars will never go away.
Okay, so demand is high and there is lots of money to made from buying and selling used cars…and since I like to get things out in the open –

http://scrnch.me/prthn

…………………………………………………………………………..
Buy a Bentley for Just $600 Brand New! (here’s how)

Buy any car 30% – 50% OFF! (heres how)

Dr squeals best-kept car secret (50% Off any car!)

Dear Reader,

World famous Dr Suzanne Gudakunst has just released her biggest “shocker!” ever …

–> Her Secret to buying expensive cars for as
little as $300 a month!

Dr Suzanne made it big on both TV and now the Web – but what most people don’t know is that she routinely buys exotic and luxury cars for as little as 50% of what car dealers force everyone else to pay.

She is able to do this because she discovered something NO car salesman ever wants you to find out about!

This Secret is so powerful, yet involves doing just 1-3 things (usually) that will allow you to get ANY CAR you want (including normal day-to-day average cars you see on the highway, to even the most expensive exotic cars such as Lamborghinis and Rolls-Royces!)

Most recently Dr Suzanne herself used her own secret to buy over $1 million worth of cars, but where she saved $700,000 using her amazing new breakthrough secret (so she paid just $300,000 and got 6 very pricey cars worth $1 million – and each one was brand new and this year’s model!)

But you DON’T have to be looking to buy these top and most expensive cars – but can use her secret to buy any car – even a middle-class Sudan or family vehicle.

So, at this point it’s only fair to ask:

“How did Dr Suzanne discover this?”

Simple really …

Although very rich (Dr Suzanne makes over $45,000 a day online alone) Dr Suzanne is the kind of gal who doesn’t believe in paying “extra” if you don’t have to.

One day while shopping around for her first Bentley Rolls-Royce, she got “mixed feelings” from the car salesman trying to sell her the car.

She felt that he wasn’t telling her the truth (a kind of “sixth-sense” sort of thing).

So she began compulsively investigating all the deals she could possibly find elsewhere and online, and in the process she started to see a clear pattern:

–> People are being lied to and cheated out of
$10,000′s each and every time they buy even
a single car!

Dr Suzanne then got really “ticked off” and this drove her to an even DEEPER investigation far, far further until she had a stack of facts, figures and even methods that allowed her to get one over on the car dealerships (for a well-deserved change!)

Being a doctor and scientist, naturally Dr Suzanne wanted to put her “New Discovery” to the ultimate test:

* * * A real “live” case! * * *

So she went out and applied her new found “Secret” only to discover that she could get a Rolls-Royce for as little as $600 a month, and a Lamborghini for as little as $1,160 a month!

She also found that she could get the prices on these same kinds of cars reduced by as much as 30%, 50% or even by as much as 90% (or even more!)

Then she decided to see if this same “Secret” could work for what most people considered “normal cars.”

And guess what: * * * The SAME Secret held TRUE! * * *

Dr Suzanne was now armed with what is now considered by experts at below wholesale buying to be the “Greatest Car Buying Secret” ever discovered!

So powerful and amazing it PROVED in her own life that she decided to share it with several close friends to see if they too could apply it successfully.

And the SAME THING resulted!

One good and close personal friend of Dr Suzanne’s is another Internet Multi-Millionaire (name withheld for privacy reasons) and who wanted to buy a brand new Lamborghini Murcielago which usually costs $412,700* (*this year’s model).

After applying Dr Suzanne’s secret he was able to get it for:

o NO Money down!
o and just $1,300/month!

Yeah, yeah … I know, I know … these people are already rich … so why should they get to use the advantages of her secret, right?

The fact is: Regardless of how much you make (or like most of us, how little!) it doesn’t matter.

As they say “a penny saved is a penny earned,” so imagine saving $250,000 on a super exotic car (which means $250,000 earned!)

Or, for the rest of us, what if you saved:

o $15,000 on your next car purchase, Or …
o $400 a month on payments

These savings quickly add up (and again, BLANK amount saved means BLANK amount earned, regardless of what you put in the BLANKS, right?)

So, if after reading this email you STILL insist on being an “idiot” and paying FULL Price when you no longer ever have to, then fine, leave all the biggest savings to the few of us who are smart enough to grab up Dr Suzanne’s “Top Secret Car Secret!”

Oh, and by the way, with the few of us doing so, the car salesmen will have to screw someone else out of all the money that they are losing to us, so that means “YOU” will be their next victim.

… Unless of course you happen to have a COPY of Dr Suzanne’s “Top Secret Car Secret” like we do!

So, just to be generous, I’ll give you the link** (**But Shhhh! – Don’t go blabbing your mouth all over the Web telling everybody else, cuz we have a pretty good thing here as long as everybody else doesn’t find out about it!)

Here it is:

http://scrnch.me/ckecd

[***Look, I mean it about NOT telling everybody else, okay - this is a real keeper and I don't want just any "yay-who" finding out about it - Besides I don't want everyone knowing that if I buy a Lamborghini using this that I paid anything less than full price - I have a rep to uphold - know what I mean?!]

-januszjanulis

PS – I heard a rumor just yesterday that she’s only allowing maybe 500 copies to get out – so whether true or false it may be a good idea to head over there NOW!
http://scrnch.me/ckecd