YOUR GOVERNMENT PROGRAMS: Social Security for Women.

“Whether you work, have worked, or have never worked outside the home, you need to understand how Social Security can help you and your family find financial security. ” Official webpage is here.

“Social Security … only replaces about 40 percent of pre-retirement earnings. To have a comfortable retirement, you will also need to have other income from things like pensions, savings, and investments.” Official document is here.

“Women and Social Security: What you need to know”

“How Does Social Security Work?”

“Social Security for Women: A Social Security Lifeline: Kira’s Story”

“Suze Orman says: Social Security is there for you in difficult times”

Beware giving out your social security number, even at the doctor’s office

YourGovernmentPrograms: Genetics and Developmental Biology Research and Research Training

“The Division of Genetics and Developmental Biology supports studies directed toward gaining a better understanding of the fundamental mechanisms of inheritance and development. The results of these studies form the foundation for advances in diagnosing, preventing, treating and curing human genetic and developmental disorders.” Official webpage is here.

Interview with John Lorsch, Head of the National Institute for General Medical Sciences.

Introduction to Genetics and Evolution with Mohamed Noor.

Molecular & Developmental Biology Graduate Program

INTERNATIONALLY RENOWNED GYNECOLOGIC CANCER RESEARCHER JOINS OHIO STATE

Researchers Hopeful New Treatment Leads To HIV Cure.

Low Income Home Energy Assistance Program

Energy Assistance - Maryland Department

GET HELP WITH YOUR ENERGY BILLS. https://liheapch.acf.hhs.gov/help

Reed Calls for Increased Funding for Low Income Home Energy Assistance Program

Low-Income Home Energy Assistance Program: LIHEAP

Heating assistance for low-income households

TCA helping low-income households with energy bills

Low Income Home Energy Assistance Program (LIHEAP). It’s important!

RREAL Community Solar for Community Action

Foster Grandparents Program

It’s truly fine. For elderly volunteers with an income cap. “Foster Grandparent Program provides supportive, person to person service to children with exceptional or special needs.” The official webpage is here.


A program director introduces the program to potential volunteers.

The volunteers can make a real life difference.

The program was started in 1965.

Consolidate Your Student Loans At The US Department Of Education And US Treasury

Due to the credit crisis and economic recession banks are not offering as much money to the FFEL program for student borrowers. So if you are a student looking to restructure your student debt, you can do so with the US Department of Education that is backed by the US Treasury, aptly called the Direct Loan program (article). This will restructure your loan into 20 years so you can afford to live monthly with smaller payments. The official webpage is here. That Direct Consolidation Loan program from the US Department of Education and US Treasury is here.

New students can find more tips at the official Federal Student Aid YouTube Channel.

https://www.youtube.com/watch?v=GX4xIa3DVWc

Why consolidate your student loan? It restructures your debt, from a few years after graduating to a longer period which reduces your monthly expenses, as you climb the economic ladder by career potential.

Literature Fellowship (National Endowment for the Arts)

“Fellowships for creative writers are available on a two-year cycle with fellowships in prose available one year and fellowships in poetry available the next.” The official webpage is here.

“NEA Literature Fellowship program, which has supported American creative writers since 1965.”

“City of Literature: A Film About the History of Creative Writing in Iowa City. “

“Profile: Creative Writing Professor John Dufresne”

“Kelly Link | 2018 MacArthur Fellow”

Creative Forces: NEA Military Healing Arts Network

Child Care and Development Fund

Introducing the Malmstrom child care programs

As the program says, “The Child Care and Development Fund provides assistance to low-income families who need child care due to work, work-related training and/or attending school.” It is part of a bigger ensemble of programs to help dual income families and working single parents keep their kids educated and healthy for the future when people not machines run things. The official webpage is here.

For you and what to seek, “State receives extra $49M to help families pay for child care as more than 7,000 sit on waiting list”.

How the program has helped families in communities.

The program celebrates its anniversary.

It is continuously a priority since WW2!

Your government employees who serve Americans.

Your elected representative who serve Americans and what they see.

Your neighbors, other ‘hoods and fellow Americans.

Health and education matters so much for all working parents.

Refugee And Entrant Assistance

Get to know real life refugee families in America and the government program by Americans that assist in the transition into the community. The official Immigration & Refugee Assistance program webpage is here.

Firstly, “Driver Safety Education for Portland’s Immigrants and Refugees”.

Refugees who apply for America already like America’s way of life, others may choose other places. “A 10-year-old Iraqi refugee’s new life in the US.”

“What is the difference between an immigrant, refugee and asylee?”

“Understand Refugee Resettlement in 6 Minutes”.

“Welcoming Refugees To Oregon”.

Some recent changes to programs up for debate. “Portland city councilors talk about immigrants, general assistance”.

FHA Home Buyers Program: For those ‘coming up’ or ‘coming back’ in life.

The official FHA Home Buyers Program webpage is here
https://www.benefits.gov/benefit/504 . It is a Federal program.

In a nutshell it is a Federally regulated home buyers program for people who are ‘coming up’ or ‘coming back’ in life. That means for example residents of poor communities, rural communities and who had poverty in life. The buyer (e.g. consumer) has to pay a compulsory mortgage insurance fee that covers the lender’s loses in the event they default on their mortgage. The Federal government will back the lenders who loan mortgage to home buyers that qualify through the fees they all pay. In exchange, the requirements for a mortgage are lower in terms of credit score. This allows people who are a ‘good risk’ to have a home sooner rather than later.

First off, the official guide.

The history of the FHA Home Buyers Program.

A case of a FHA Buyer’s Program success story.

Should you choose an FHA loan or a regular loan?

A realtor explains the FHA Buyer’s Program directly.