Help in finding money, social services, work at home, consumer credit counseling, insolvency help, government benefits, jobs, grants, new careers 50+

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Finding Money and Jobs the Right Way

Last Updated: 28 February 2009 Link check: 15 January 2009
A public service of Global Crisis

Before using this page, please look over index below. Page contains carefully selected resources each with multiple links. Presently, most links are to countries in which English is official language. Even if your area is not the focus, the advice and possible direction for search are universal, and may give you ideas for finding help. Index order not necessarily order of presentation.

page index
  • Foreword
  • Social security benefits to citizens (worldwide) (1)
  • Benefits portals for citizens selected countries (21)
  • Find help at the community level (14)
  • I Just need money, period (6)
  • Working at home (13)
  • Getting yourself out of debt (best found) (1)
  • U.S. Grants to individuals Fed/NGOs (4)
  • Britian: Grants to individuals, small business help (3)
  • Federal grants to groups other than individuals (2)
  • U.S. if you are over 50, possibly 40+ (1)
  • 50+ new entrepreneurs SBA (Eng Español) (1)
  • Obtain small loans to start business (5)
  • National debt/benefits counseling services (6)
  • How to go about debt reduction (2)
  • Global job search (2)
  • U.S. job search (4)
  • Helping parents - very good advice and links (1)
  • Volunteering - Everybody wins (6)
  • U.S. Canada HELP LINE           

    Call 211 or 1-800-HELP-555          
    If you need help finding food, shelter, rent assistance, utility bill assistance, counseling, child care, after-school programs, senior services, disaster relief, other programs your area. Currently, does not cover all areas. To check if your area or near by is covered, go to www.211.org which will allow you to search for a connection by area code, city, or state.
    Social services for the whole world

    In search engines, search for 'name of your city and the state, region or country' and the words 'social services' i.e. 'wichita kansas social services', 'winnipeg social services', or leeds england, bangalore india, or stockholm. Well, you get my drift. Works in English in many countries with social services listed in first five returns, or try it in your national language.


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    Foreword
    I have been asked by a number of people how they can find funding to give them a chance to move ahead, to get out of a financial hole. When all of the traditional means of obtaining funding are closed for any number of reasons, where does one turn for help? This page will attempt to give some direction to those seeking for answers.
    Note: Instead of providing all of the links directly on this page, I have listed here carefully selected sites which provide the relevant links, and also give advice which can be of help. Look over the titles in the index above and the 211 number on the right before using the page in search of solutions. This is an ongoing resource and more material will be added over time. A lot of material is directed at U.S. or U.K., but much is relevant worldwide. Good luck.


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    I Just need money, period

  • aidpage Very large community of people interacting with people. Some good advice, helpful information, blog entries. If you need help...Sign up here on Aidpage - free, takes about 1 minute. Post a new message with pictures and information about your current situation and your needs - it's easy, technical skills are not required.
  • Free Help Nationwide part of aidpage above. This is a list of governmental and nongovernmental resources which can help you if living in the U.S. From their page: "The NATIONWIDE organizations listed below can assist you with your basic needs, including: food, clothing, rent, utilities, transportation, back to school needs, medical, dental, and holiday needs." Site also includes links to a number of blogs which provide information, and advice on finding help.
  • debtworkout Bankruptcy Alternatives and How To Get Money When You Need Money. Gives a list of possible routes you can take to find the money you need. Some good advice basically banking on your own common sense and suggesting some of the alternatives available.
  • Please Help Me Organization Provides help to those who are willing to help themselves. If you apply for help, be sure to fully read all of their material, including the four pages of their FAQs Their statement pretty much defines their approach. "We put you on a program to get you back on your feet. We give you consultation, we give you support, we talk you through the problems and give suggestions of how to best deal with your financial issues. We find you ways you can make money legitimately to pay your bills."
    If you are interested, contact them and ask for their 'Please Help Me Form'.
  • Office of Family Assistance Handles the Child Care Bureau, Temporary Assistance for Needy Families (TANF) Program, Tribal TANF, and the Healthy Marriage Initiative. A program of the Office of Family Assistance (OFA), United States Department of Health and Human Services. For a very good description of the program please-help-me.org
  • MyMutualHelp.net Giving which keeps on giving. A radical new approach to giving. You find someone who desperately needs help for any number of reasons. You give a helping hand in exchange for a promise from the receiver that after a set date, the money will be passed on to someone else in need of help. This basically works on the basis of faith in your fellow man. In a sense, if you help one person, you help the world as the money is passed from hand to hand. Site in its infancy so traffic is light at the present time.

    Before you leave this section, it helps to have some structure in your request. 'Help, I need $2,000 in a hurry' is not going to get you very far if you post that on a site or a forum.

    Here are some recent suggestions I wrote to someone requesting help.

    First, I know that there are people willing to help, but they need to be given a request which they can handle, and know that the individual they are helping has a specific way of generating money in the future. It is important for them to know that the financial aid given will, in fact, provide a basis for that to happen.

    Second, they need to be confident that you are who you say you are, and really need the help. Therefore, any background you can give would be helpful, as well as a reference or two which can be checked out.

    Third, you need to account for the reasons for your situation, and specific ways to prevent this from happening again in the future, plus actively starting to put these into practice.

    Forth, you need to find the talents, the experiences, and the desires which will make any step forward a movement toward an achievable goal. Everyone has something which they like doing, are good at, or have some expertise or experience which is not being used at the present time. All of these may be made profitable even in the worst of times. It is important that you convey this sense of self knowledge to anyone seriously considering helping you.

    Fifth, the specific steps (not in detail, but in general), which will be taken to realize the stated goals towards sustainability, need to be presented. In this regard, realistic assessments of the possibilities or opportunities which actually exist within you and within your environment need to be made.

    When you have worked all these out, go out there and ask.


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    Working at home

    First, places where you can check to see if a program is spam
    Before you buy a book, or a program, or sign up for a sure-fire-make-lots-of-money-fast offer on the web for work at home programs, check a number of sites with scam lists before you possibly lose your money. Below are two sites which have uncovered scams where people have lost a lot of money in the past.
  • One site which helps direct you is Work From Home Guide gives good advice on avoiding scams, and evaluating a work at home site, as well as giving links to organizations which can help you evaluate a site or a company.
  • Here is another site which checks out scams My Experiences Honest Real Work At Home Reviews This site has links, reviews on the good and the bad. Well worth your time to do some checking. A lot of information in the different posts on the site.

    Sites we have found that we consider to be legitimate help for online jobs
  • PC Work at Home The latest legitimate computer work at home jobs and online businesses which can be done from home - part time or full time. New work at home jobs added regularly! No payment, deposit or investment is required for any job. International listings also. A truly excellent site.
  • Jobs-From-Home Work at home computer jobs and home office work database of over 2,000 work at home jobs for which you can apply. Small fee for entry to database. Companies hiring do not charge anything to receive work. I checked this out with one of the review links above How to protect...
  • 10 Part-Time Jobs You Can Do From Home from AOL find a job.
  • 10 Jobs you can do at home also from AOL but these are mainly full time jobs from home.
  • Freebyte's Guide to Earning money on the Web Covers the real opportunities for working at home through your computer. Excellent page on how not to work at home, and online scams. Links to job sites, freelance, tutorials, Links to services if opening up your own online business. Also has a forum of people who can help and support each other. Marvelous site. * Really worth looking at
  • Katies Hugs - Free Work At Home This is actually legitimate. Lists free survey taking companies which actually pay, but not hundreds of dollars per day. * Really worth looking at
  • Free From Scams Gives legitimate links to each of the following. I will not give it to you, because she does a great job of it. Covers: Paid Survey Companies, Government Auctions, Government Grants, Get Paid to Drive, Money Making Secrets debunked, Find Lost Money
  • Associated Content Write content on any subject and submit. Worldwide. CREATE CONTENT Submit content on any topic Claim a Calls for Content™ assignment Publish text, video, audio or images GET FOUND, GET AROUND Connect with millions of monthly viewers Get discovered via online search Be distributed to partner sites EARN MONEY Over $1 million paid to contributors Submit for Upfront Payment Earn Performance Payments based on page views
  • How to Find Online Jobs Lists a number of online job lists with cross country access. Also has How To on getting jobs writing articles for eZines and eNewsletters.
  • Work at home for disabled persons Not all of the entries are for work at home but also includes organizations which help those qualified find jobs, retraining, help and advice about benefits available.
  • Work at Home Forum Very active, some good advice and interaction. Good ideas. Helpful if you are looking for types of work at home jobs, are starting your own business, etc.
  • Reviews of a number of freelance sites for bidding on outsourced projects which can be done from home mostly in computer and graphics but some others also. Three are mentioned below.
    • GetACoder GetACoder is a leading Global Services Marketplace doing business in more than 200 countries. "Earn money as a freelance programmer, web designer or freelance writer. We offer you the ability to find new customers from all over the world."
    • GetAFreelancer.com Outsourcing of coding projects, site creation, design, etc. Similar to above but more projects to bid on. Based in Sweden.
    • RentACoder.com How software gets done. Bid on software development, site building, graphics, and even some non-computer based projects. Slow going at first, but if you are good and can hang in there and build a client base, the income can be rewarding. Last time I looked, there were 2263 open bid requests from all over the world. In their own words "Rent A Coder is a web-based marketplace that connects businesses in need of computer programming expertise with a global, freelance market of programmers. It also connects businesses and freelancers in the areas of graphic design, writing, translation and numerous other services."


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    Debt counseling services - national associations

    US, Canada, UK
  • National Foundation For Credit Counseling 1-800-388-2227 to speak to a counselor near you. Para ayuda en Espanol Ilama al 1-800-682-9832 Debt consolidation, avoid foreclosure, homeowner crisis resource center, consumer debt advice, credit counseling, cases of people helped, U.S. national locator for member agencies.

    US
  • Association of Independent Consumer Credit Counseling Agencies "AICCCA is a national membership organization, established to promote quality and consistent delivery of credit counseling services" Find a member counseling agency in your state. TOLL FREE REFERRAL LINE: 866-703-8787 to be connected to a credit counselor

    UK
  • Citizens Advice Bureau - UK Provides locator to find advice bureau near you. Free, confidential and independent advice from over 3,000 locations providing face-to-face, telephone, and in some cases email help. "... advice helps people resolve their debt, benefits, housing, legal, discrimination, employment, immigration, consumer and other problems and is available to everyone regardless of race, gender, sexuality, age, nationality, disability or religion."
  • Adviceguide Online help by Citizens Advice Bureau. Covers a range of topics in a range of languages. Also see Benefits to which you may be entitled in England
  • The Foundation for Credit Counselling is the umbrella charity for the Consumer Credit Counselling Service in the United Kingdom. Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live. free phone helpline 0800 138 1111

  • The UK Insolvency Helpline A free, independent and impartial debt advice service. 0800 074 6918.

    Other Countries
  • Or search for 'consumer credit counseling service'or 'debt counseling' in Google or other search engines.

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    Some self debt reduction plans which really work

  • Debt Snowball - The Truth About How to Get Out of Debt
  • The 12-Step Get-Out-of-Debt Program

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    Grants to individuals - Federal/Nonprofit

    Also see under United States Direct Government Assistance above

  • Grants to individuals Grants listed by educational level (precollege, undergraduate, graduate, postdoctorate Funding ), population groups (Disabled, Gay/Lesbian/Bi/Trans, Minorities, Non-Traditional, Veterans, Women), and by many subject areas. Very comprehensive. Many educational grants but also non-educational. Depending on your population group, it may be very much worth your while to look at it.
  • Grants and Related Resources List of all types of grants of which the above listing is only one part.
  • Variety International "Dedicated to improving the lives of children around the world". "Through our network of 50 Tents (or Chapters) in 14 countries, Variety reaches into communities across the globe to offer financial assistance and services to children and organizations that serve children with special needs."
  • U.S. Variety We provide direct grants to children with disabilities.

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    Grants to individuals and small business help - Britian

  • Keep your business fighting fit Links to finding help for businesses businessink.gov.uk
  • Real help now: For people, For businesses (globalcrisis comment: Incredible resource) (pdf download) Where to find help with homes, jobs and finances when you need it February 2009 direct.gov.uk help with: keeping your home, skills and training, jobs and benefits, people on low income, money problems, employees, pensioners, buying a new home, businesses, business finances, managing your business, investing for the future
  • Make Your Mark "If you want to turn your idea into reality we’re here to help!" See Useful Links for funding suggestions. Makk Your Mark is a campaign founded by the four leading UK business membership organisations – the British Chambers of Commerce, the CBI, the Federation of Small Businesses and the Institute of Directors

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    Federal grants to groups other than individuals

  • Check out who can receive a U.S. federal government grant
  • Grant Search

  • One example (others to follow)
    Renewable and efficiency energy applications for Indian tribal groups "...Indian Tribes, Tribal Energy Resource Development Organizations or Tribal Consortiums for installation of efficiency improvements to existing Tribally-owned buildings, including: energy efficiency improvements; and/or renewable energy system installations for building heating or cooling; or development of renewable energy projects; or construction of renewable energy projects for power production." (Must demonstrate 30% reduction in energy usage or fulfill 30% of heating and cooling depending on type of project.)

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    Where to obtain small loans to start a business

  • Where to Get Money to Start a Business 10 Sources of Startup Funds for Microsized Businesses. Good advice on best ways to start.
  • Small Business Grants This is for UK but the ideas may be translatable elsewhere. Each government has some funds available for development. You would be wise to find out what they are and decide whether or not you fit the guideline - assuming that there is money available.
  • Peer to Peer Loans by About.com. Good overview of all the different ways to get loans for those with good credit, in-between credit, bad credit, no credit. Basically covers the waterfront.
  • On Deck Capital A revolution in small business lending. Extra capital for helping your business grow. Article about On Deck On Deck - Lending, With a Twist "... the company has an offbeat system of evaluating borrowers. Instead of looking at a snapshot of performance, such as an applicant's tax returns, On Deck uses software to examine a company's daily business activity. The software figures out, among other things, how many customers the business has, how many complaints it gets and how its sales surge and sag. The idea is to gauge cash flow and see if the company is stable enough to pay back a loan. On Deck's methods of collecting payments are just as unusual. Instead of sending out monthly notices, the company electronically debits small amounts every day from borrowers -- usually about $100 -- to pay back the loan over a year."
  • Kiva Provides a platform connecting individuals who want to help small entrepreneurs in developing countries. Loans are handled by established micro-lending groups worldwide, which when repaid, is returned to the original lender.
    "Kiva's mission is to connect people through lending for the sake of alleviating poverty. Kiva is the world's first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs in the developing world." "The individuals featured on our website are real people who need a loan and are waiting for socially-minded individuals like you to lend them money."
  • You Don't Need Money to Make Money An interesting discussion.

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    Global job search

  • careerbuilder.com For job seekers: Find Jobs, Job Recommendations, Post Resumes, Free Resume Critique, Create Free Professional Online Profile, Job Alerts, Advice & Resources, Career Resources, Education Center, Career Fairs, Salary Calculator, Career Tests, Skills Training. Free Interview Skills Training Course. And for employers: Search Resumes, Post Jobs, Advice. "More than 23 million unique visitors come to the site every month to check out opportunities in every industry, field and job type." "CareerBuilder.com powers the online job search centers for more than 1,000 partners, including 150 newspapers, America Online and MSN."

  • Monster.com 18 million active members. "leading global online careers property that has changed the way people look for jobs; the way employers look for people; and the way companies connect with their target audience." "With approximately 5,200 employees and operations in 36 countries, Monster Worldwide has an unparalleled international reach." Profile & Resume, Cover Letter, Job Search/Browse, Career Benchmarking, Career Mapping, Career Development, Advice for Job-Hunt Strategy, Interviewing, Salary & Benefits.
  • AOL find a job Allows you to narrow it down for jobs in your area and job classification. Also at home work.

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    U.S. job search

  • Internet Job Store Substantial listings for major cities all States for internet, IT, computer... based jobs.
  • simply hired Job search made simple. U.S. all types of jobs. 3,176,237 jobs across the web as of 19 January 2009.
  • Education at Yahoo.net While this may not answer your immediate financial needs, it is the best listing of accredited university degree programs which you can get online, as well as university programs on campus for all areas. Also includes courses and degrees for those in the military as preparation for after active duty, and programs for international residents. The article which goes along with the links to areas, degrees, schools discusses some of the top careers which are in demand in 2009.



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    Helping parents

  • Caring.com
    Helping you help your parents. Get eldercare help. Meet and share with others like you, get answers, find local resources, expert articles, tips and advice. A vibrant community of experts to answer questions, and others in the community who may have suggestions, advice and support. Excellent site. Has helped many deal with problems. Major topics include: health, money and legal matters, home care, life, housing, to-do lists, ask and answer, groups, news and views.



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    In U.S. if you are over 50 and in some instances 40+
    AARP and AARP en Español

  • Very Helpful AARP Foundation Benefits QuickLINK (Association for the Advancement of Retired Persons) In the U.S., if you are 50+, (or 40+ see check out below) you may be able to qualify for a number of programs in your state such as help in paying for food, enrolling in programs helping save money, extra help through Medicare, programs which help pay for prescription drugs and health care. The home page which has a great deal of information which may be of help is AARP and AARP en Español

    Also, check out where you can go for help which gives a number of resources, as well as where to go for work search or, if you are a woman, for job training for 40+.



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    Getting yourself out of debt (One of the best recommendations I have found)

    Martin Lewis' Money Saving Expert.com Debt Problems - Where to start, what to do, where to get help. "There is no such thing as an unsolvable debt problem. It mightn't be easy or quick, but there's always a route."

    It's one of the best step by step guides I have seen. Very complete. It's directed at the UK but most of the ideas, steps, and type of agency or helping hand are available in some form elsewhere. There are four videos which can make the experience of going through the explanations easier. All for free - he calls it consumer revenge. Plus other relevant articles, free money saving tools, relevant forums. This service is free.



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    Help at the Community Level

    Often, the most available help is at the individual community level. An example of finding help in a particular city in the U.S. is given as a guide for possibly finding help where you live. Includes links to help nationwide.

    Help in Buffalo NY U.S. Includes links to help nationwide.
    Searched the web for 'buffalo NY social services' and by following leads in the returns, found the following:
    • County Departments of Social Services for New York State found under the office of Children and Family Services.
    • Services for Erie County Programs and Benefits (includes Buffalo) Food Stamps, Medicaid, Public Assistance, Temporary Assistance, Child Support, Day Care, Employment, Home Energy Assistance Program, Children Families and Adults, special Investigations, Legal Advocacy For Disabled, Help Guide. Note: Do not make the mistake of looking for Buffalo County - You will end up in Wisconsin.
    • Charity Guide - Worldwide listing of charities Found 1984 charities in Buffalo NY "There are many ways in which to support worthwhile causes in your area. Whether it is in the form of monetary donations, or a small bit of your time each week."
    • American Red Cross Location finder for a Red Cross chapter near you. Provides help in an array of services after a disaster. One such help, the Hurricane Recovery Program (HRP), provided assistance to those affected by the hurricanes. Other services after a disaster include: Contact family members, find shelter and supplies, recover after a disaster. The Red Cross also has a number of services to help military families.
    • Salvation Army To find a center near you, use locator provided. Or go to National Salvation Army. Branches also in Canada.
    • General Shelter and Other Transitional Housing Programs: New York U.S. Department of Housing and Urban Development.
    • Local HUD Information for information by state and communities on rent assistance and shelters for homeless.
    • HUD in New York with information on Keep Your Home - Know Your Loan, and The HOPE for Homeowners program which will refinance mortgages for those having trouble making payments but can afford a make and pay a new insured loan by the FHA, information on rent assistance, and homeless shelters.
    • Hunger Action Network of New York State Provides an Emergency Food Program Directory which helps locate a food program county or zip code. For programs in New York City - Hunger Hotline at 1-866-888-8777 or Food Bank NYC 212-566-7855 or the website
    • Catholic Charities USA Provides a help directory for locating a Catholic Charity by State. For Buffalo
    • Supportive Services Corporation a nonprofit Supportive Services Corporation which "assists job seekers 55 years of age and over, as well as, employers seeking qualified job candidates throughout all of Erie County. We also operate a Senior Community Service Employment Program (Title V Senior Aides Program) which provides part-time community service work to eligible individuals at participating local non-profit, governmental or public agencies. Additional services include weatherization assistance to income eligible Erie County residents outside of the City of Buffalo."
    • People Inc "Western New York's leading non-profit human services agency. Through a variety of services including residential, employment, community outreach, health care and recreation programs, we help seniors, families and people with disabilities live more healthy, independent and productive lives."
    • Directory Assistance Nationwide




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    Benefits to Citizens By National Governments (Worldwide)

  • Social Security Benefits For 170+ Countries
    Social Security Benefits in more than 170 countries covering benefits such as old-age, survivors, disability, sickness, maternity, work injury, unemployment, family allowances. A first step towards finding out the type of benefits to which you may be entitled. An updated resource maintained by U.S. Social Security Administration.

  • Social Services in 34+ Countries in Europe
    ePractice, eGovernment factsheets for at present 34 countries in Europe Within the pdf for each country is a link to eServices for Citizens for each country which in many cases includes online links to such services as: Job search, unemployment benefits, child allowences, medical costs (reimbursement and direct settlement), student grants, and more.
    Also included is an overview of the European Commission including many links, among which are:
    Information on social security pensions in EU countries
    Information on rights and opportunities in the EU

  • Do your own search for all benefits by sub-union/country
    In many cases states, regions, territories, counties, cantons, cities each may have their own social services
    Search for your place of residence plus 'social services benefits' using national language.
    As examples:
    Ireland
    Madrid servicios sociales Centros de Atencion Social

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    Benefits Portals For Citizens by Selected Countries
    • Australia Direct Government Assistance
      Australia.gov Benefits, Payments and Services Aged, Australians Overseas, Carer's, Crisis & Other Assistance, Family, Drought, Farmers, Housing, Jobseekers, Migrants, Military Personnel, Multilingual Services Information Payments, People with Disabilities, Veterans, Youth & Students among others.

    • Belgium - Federale Overheidsdienst Sociale Zekerheid
      Sociale Zekerheid

    • Service Canada
      Service Canada English Français - Online services, forms, grants, job bank, health, seniors, disabilities, veterans, youth, students, services to entrepreneurs, and more

    • Chile Servicios Sociales Gobierno - Portal
      INSTITUTO DE NORMALIZACION PREVISIONAL INP Qué es INP, Empleador, Trabajador, Pensionado, Otros Usuarios, Seguridad Laboral, Servicios. Consultas beneficios INP 800 20 25 00, consultas Reforma Provisional 800 64 60 90

    • Danmark Velfærdsministeriet
      Velfærdsministeriet

    • Estonia
      Sotsiaalministeerium Perele, Patsiendile, Eakale, Lapsele, Puudega inimesele, Töötajale, Tööotsijale, Tööandjale, Projektijuhile, Välismaalasele

    • India Social Services Portal
      Citizens Section Health: Child care, family welfare; Education: Scholarships, awards, loans, aid; Employment; housing; Senior citizens.

    • Malawi
      Malawi NGO List (2003) by CONGOMA (Council for Nongovernmental Organisations in Malawi.
      Ministry of Social Development and People With Disabilities through Malawi Council For the Handicapped (MACOHA) Programs/Services and Implementation Strategies

    • Mexico
      Sistema Para el Desarrollo Integral del la Familia Alimentación, adultos mayores, prevención familliar, procuración, discapacidad, vinculación, juridico

    • New Zealand
      Ministry of Social Development What We Can Do For You: Individuals, Families, Children & Young People, Students, Seniors, Disabled People, Community, Rural Services

    • Österreich
      Ihr offizieller Amtshelfer für Österreich

    • Pakistan
      Government Ministries select relevant ministry: Social Welfare and Special Education Division, Women Development Division, Youth Affairs Division.

    • Perú
      Portal de Servicios al Ciudadano y Empresas

    • Philippines
      Department of Social Welfare and Development See Programs/Projects dropdown list of services: community, center, residential care, Social Welfare and development technologies. Also list of regional offices of DSWD.
      Questions and answers about solo parents Solo Parents: Benefits and Requirements. http://www.dswd.gov.ph/propoor.php">DSWD PRO POOR PROGRAMS FOR CY 2007

    • Singapore
      National Council of Social Service links to services, helplines, portals Individuals and families in social/financial Need, list of service centre locations, helplines, children and youth online couselling, family / disability / eldercare / caregiver services.

    • South Africa
      South Africa Social Security Agency Social Relief of Distress, Grants: Old Age, Disability, War Veterans, Child, Foster Child, Care Dependency, Child Support, Grant-in-aid for full time help due to disability or mental illness.
      Also see, Grants and Pensions Relevant social services are found in different governmental departments. Select the one relevant to you.

    • Switzerland
      Health and Social Assistance on Switzerland's Official Web Portal Health and Social Security including: AHV / IV, Health insurance, Social security, Disability, Prevention, Addiction and drugs, Consumer protection, Food safety. Main point of access to online information from the federal government, the cantons and local authorities in German, French, Italian, Romansh and English.

    • Trinidad and Tobago
      Ministry of Social Development Click on Social Services dropdown menu. Includes under social welfare division: Burial assistance, clothing / dietary, education medical equipment home help / household help / micro enterprise and training / school textbooks / special child grants, disability assistance, house rent, old age pension, free bus pass

    • United Kingdom - Direct Government Assistance
      Help from DirectGov - Keep warm keep well plus help in financial crisis. Claim an energy grant, Warm Front Scheme, Other financial help: Pension Credit, Community Care Grants, Budgeting Loans, Crisis Loans.
      U.K. Gov Guide to Benefits what you might be entitled to including: Education loans, financial support for parents, allowance for carers, disabled rights, over 50s retirement / pensions / benefits, health care, employment, among others.

    • United States - Direct Government Assistance

      Note: Each State may have other programs not listed on the federal government site. Search for these by searching on the web for name of state + government benefits.

      Benefits.gov U.S. Child care/support, counseling, disability, disaster relief, education/training, energy assistance, from food stamp to nutrition/meal food programs, over 80 grants/scholarships, health, housing, insurance, living assistance, loans, Medicaid/care, over 50 benefit programs for veterans, among others.

      Map to all benefit programs all States Lists about a dozen programs for each State and provides descriptions and contacts.

      For federal government grants for the grant community
      Find. Apply. Succeed. Grants.gov is your source to FIND and APPLY

      For Personal Loans
      Grants.gov does not provide personal financial assistance. However, if you are looking for personal assistance, they suggest checking:
      Governments Benefits as also listed above.
      Student Loans
      Small Business Start Up Loans

      US Federal Government Grants, Scholarships, Loans, Free Services Aid agencies, grants, funding programs, fed assistance, students, traineeships, grants and loans for business / health / housing, mortgage insurance.

      Indian Health, Social Services - fedmoney.com

    • This list will be continued.




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    50+ Entrepreneur Start a New Business with help from U.S. Small Business Administration English Español

  • 50+ Entrepreneur Programs and services to help you start, grow and succeed. U.S. Small Business Administration. Small business planner, services, tools, local resources, E-Newsletters, Free Online Training, E-Payments, Marketing and Outreach, Budget and Performance "According to the Kauffman Foundation, Americans aged 55 to 64 form small businesses at the highest rate of any age group -- 28% higher than the adult average."
    See For overview ENCORE ENTREPRENEURS: New SBA resources for boomer startups.
    En Español Agencia Federal para el Desarrollo de la Pequeסa Empresa

  • Encore.org If you want a second career, interested in the social or nonprofit sector, want to earn while fulfilling your dreams, Encore may be able to point you in the right direction. "The Encore Careers campaign aims to engage millions of boomers in encore careers, providing personal fulfillment doing paid work and producing a windfall of human talent to solve society's greatest problems."

    Further Reading
    Retooling for encore careers



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    Volunteering

    Regardless of your situation, think about volunteering your time to a good cause. Everybody wins.

  • Worldwide Volunteering Also see database Worldwide Volunteering has a free search-and-match database with over 1600 organisations offering over 1 million placements all over the world. Placements range from rescuing orphan orangutans in Malaysia to playing football whilst educating kids about HIV/AIDS in Africa or monitoring endangered sea turtles in America and Europe. Contact Amy at Sussex and Surrey VPM at the email address aholtz@wwv.org.ukThis e-mail address is being protected from spam bots, you need JavaScript enabled to view it or phone 07872 635073 for help with finding placements abroad as well as in the UK.
  • Concordia Concordia is a small not-for-profit youth charity whose aims are to encourage international youth exchange as a means of promoting greater cultural awareness, international understanding and peace. Short-term international volunteer projects are one way by which we hope to achieve these aims. Our International Volunteer Programme offers 16-30 year olds the opportunity to join international teams of volunteers working on short-term projects in over 50 countries world-wide. The project range is diverse and includes nature conservation, restoration, archaeology, construction, art and culture as well as projects that are more socially based including working with adults or children with special needs, children's playschemes and teaching. Volunteers pay a registration fee of £110 and fund their own travel. Board and accommodation is free of charge. All available projects are currently listed on the website.
  • Volunteer.gov U.S. Building America's Communities of Service. Map of States shows opportunities in each state. 23 featured volunteer categories including General Assistance, in over 8 different U.S. Services.
  • Peace Corps "Established in 1961, the Peace Corps engages men and women 18 years and older to serve for two year assignments in countries overseas and help communities solve important challenges in the developing world. To date, more than 170,000 individuals have served in 136 countries as Peace Corps volunteers, working in such diverse fields as education, health, HIV/AIDS education and awareness, information technology, business development, the environment, and agriculture."
  • Overseas Volunteers for Prosperity "...a call to service by highly skilled Americans to serve as volunteers overseas for flexible, short-term assignments to help achieve U.S. global health and prosperity objectives. Such objectives include providing clean water, promoting democratic governance, developing economic freedom, promoting free and open markets and stemming the spread of HIV/AIDS."
  • USA Freedom Corps Besides the three programs above, lists other volunteer initiatives within the U.S. and abroad of the U.S. federal government such as: AmeriCorps, Citizen Corps, Learn and Serve America, Senior Corps, Take Pride in America, The Corporation for National and Community Service, Interactive Program Selector, Federal Agency Initiatives, Special Initiatives, USAFC Volunteer Network Partners




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