London, United Kingdom (AHN) – A survey of consumer finances by Janus Capital Group found out that only 10 percent of European parents have significant wealth to leave to their children and other heirs.

Another 48 percent of more than 6,000 European surveyed said they were not sure if they have enough wealth to leave and 42 percent said they have no intention of leaving any significant wealth to their offsprings.

The survey, which had respondents from Britain, France, Germany, the Netherlands, Spain and Italy, blamed the financial crisis for creating a generation who have not saved enough and are averse to taking financial risks. Janus Capital said the results challenge the future of inter-generational wealth transfer in the continent.

Most of the respondents expected their long-term investment to be sufficient for their twilight years, but because of shrinking values of retirement funds, it left many Europeans ill-prepared for retirement, let alone leaving anything of financial value to their heirs.

Among the six nationalities that participated in the survey, the French had the highest percentage of likely passing on their wealth, while on the bottom on the list were Spanish and Germans. Britons were in the middle ground with 16 percent likely to leave significant wealth to the children.

Since 2001 there has been a decrease in proportion of old wealthy Britons who have inherited their wealth from 70 percent of 2,000 families in 1988 to just 24 percent of 1,000 families in 2001.

Presently, the average estate Britons hold is valued at $135,000 (90,000 pounds) and divided five ways. Janus Capital said the worth and division of estate would likely change, particularly because those in the age group 45 to 54 were unable or not willing to save enough. Among the changes this would bring is for postponement of retirement plans and longer employment for middle-aged Britons.

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These government grants accumulate from certain organization revenues and our very own tax dollars.  There are three kinds of grants, private, state, and federal grants that everyone has access to.  Federal grants alone hand out billions of dollars to taxpayers and millions of dollars in state grants are going unused. We all can benefit from using the right resources.  For assistance, there are public and private organizations that exist just to make sure people get these grants.

This is a non-taxable and interest-free kind of money available to all U.S. taxpayers that never has to be paid back.  No matter what kind of credit a person has, anyone can learn the techniques to receive government grants to spend as they see fit.  It is all just a matter of finding the right source of information that will teach you what you need to know.  Billions of dollars in grant money are out there, waiting for people to claim them.

We should all take advantage of the opportunities government grant money can offer.  It is basically free money.  Since some of our tax dollars go into them, why not get some of them back?  Grants should be looked at as a way to gain some financial strength and make some dreams come true.  Everyone has one reason or another why they can use some extra money so, why not try to get some.

Writing multiple grants gives you several advantages:

1) The more quality applications you submit, the more likely you are to get at least one or two funded.

2) Completing a second, third, or fourth grant application gets easier and easier because you will essentially use the same data again and again, just in slightly different forms.

3) If you have a large project with large expenses, you may have to get grant money from several sources just to cover everything.

4) Quality practice improves your application. Your second, third, and fourth applications will probably be much better than your first. You will be better able to describe your needs and be more convincing in your narrative. You have to be very careful and stay constantly on guard to get your highest quality application the first time through.

If you already have time problems, you may not have the luxury of submitting several different grant applications. However, there are many advantages to submitting multiple applications.

Below are two mistakes you might be tempted to make. Don’t do it. It is a virtual waste of time to submit the same letter to foundation after foundation. The grant reader will know exactly what you’re doing. Applications for grant funding should be individualized and personalized based on the giving patterns of the foundation and the needs of your school. A generic letter sent to multiple funding entities never works. You will always want to use the granting agency’s own application form if they have one. If not, follow their directions for applying by letter exactly and completely.

If you are seeking funds to buy particular commercial programs, never cut and paste their advertising material into your applications. They may tell their story well, but your job is to demonstrate how the commercial product fits into the overall program you are developing. Many grant readers view the use of advertising copy in a grant application as a lazy, impersonal way to get grant money. You may want to use their copy; just put it in your own words and describe how the product will be used to benefit your students.

I firmly believe that multiple grant applications are the way to go when you are seeking grant funding. The warning never to put all your eggs in one basket may be old and trite, but it applies today as well as it ever did. Multiple grant applications may mean multiple streams of money for your school.

A need is the gap between what you planned to happen at school and what actually happened. I’m really into school assessment. You need goals. You need to assess constantly to make sure you are moving toward those goals in a timely manner.

Continual assessment is critical to be certain your programs are getting the planned results.

Why? Because you may have a great reading program that could be working better if you had more books? You may have a math program that could be working better if you had more manipulatives. You might have an at-risk program that could be running much more efficiently if you had more aides. Your technology program may be antiquated and students can’t pass their computer literacy tests until you get new computers and software.

To get those additional materials or personnel units, you may have to write grants. Before you can write those grants, you have to define your needs. To define those needs and get grant money, you need data from the ongoing assessments you’re doing.

Those assessments can be formal or informal. They can be nationally-normed tests. They can be state skills test. They can be faculty and student surveys or interviews. The point is they should indicate to you whether proper progress is being made toward your goals.

Assessment can be made during any part of the school year. You should make preliminary assessments within weeks after the school year starts. You should certainly make assessments at the end of the first semester and the end of the school year. You should assess your summer program at the midpoint and at the end of the summer.

Assess the needs you have in your programs now. Begin searching for the grants you need now. Don’t procrastinate. Grants of different types are available throughout the year. Once you’ve done your assessment, you can begin searching for grants that match the needs of your school.

Match those needs by searching for grants on Google, subscribing to newsletters, or by using grant databases that are available on the Internet.

There are thousands and thousands of grants available to schools. You have to find those grants and match them with your problem areas. You find those problem areas by continually assessing your programs.

Yes, all schools in the United States could use some grant money to improve their programs. The key is making quality needs assessments to determine exactly what those needs are, then matching them with the proper grants.

Grant money comes from corporations and large companies, private foundations and from you. That’s right; a portion of each tax dollar you pay goes into various funds that are returned to the public in the form of grants and low- interest loans.

Every year, the US government gives away hundreds of billions of dollars to entrepreneurs and small business owners, homeowners, students and anyone who has a legitimate need and simply asks.

Simple isn’t exactly the right term, however. In the end that is what it comes down to, but there is quite an elaborate process of acquiring grant dollars.

First there’s the search. As I mentioned, there are thousands of granting programs to weed through and each one has its own specific guidelines and requirements. Some grants are specifically for students in low-income households, possibly based on ethnicity or course of study or all three.

Some grants are available to women who want to start a business, and may be broken down into the type of business, the age of the woman and other very specific criteria. Other grants are available to anyone wishing to start a business but are specific to the type of business, the amount of jobs that it will make available, the area that it may benefit, etc.

There are thousands of research teams, often universities that make good use of these valuable monetary gifts to improve some aspect of our existence from environmental research and preservation, to understanding and finding cures to diseases, to improving the technology that allows us to care for the ill and further explore our planet and beyond.

Across the country, good will is promoted through agencies that house the homeless, feed the hungry and protect the battered. These non-profit agencies extend the reaches of our nation and share what time and wealth they can with individuals and families all over the world.

They can range from small clubs that provide afterschool activities for kids to feeding and educating communities in foreign countries. There are so many causes in need of funding to make the world a better place. Non-profit organizations see to the assistance of the less fortunate and ensure the appropriate dispersal of funds.

With such a wide variety of causes, and such an immense amount of endowments, one could spend months and months trying to zero in on the appropriate funding for the basis of their plight.

Once the funding organization has been located, there is the application process and the writing of the grant proposal. Each grantor has their specifications for applicants. Making sure that you or your organization will even qualify can be tricky.

There are companies that exist to assist with this process and often have experienced writers to help with the grant proposals.

A grant proposal consists of who, what, why, where, when and how. Skilled writers will know in terms of the granting agency where to emphasize and what information is imperative to draw attention to you and your request.

Understanding the world of grants can offer a tremendous advantage. At times, you may be one of several hundred requesting the same funds. Unfortunately, the funds are limited and granting review panels must allocate according to need and importance.

Sometimes there are so many worthy causes and key indicators such as a well thought and carefully executed business plan can carry a lot of weight in decision making. Knowing where to accentuate is what gives grant writers the upper hand.

In addition to their fluent inscription, their understanding of the enormous world of grants helps them dominate for their clients. Anyone considering seeking out endowments would be doing themselves and their organizations a huge favor by enlisting in a team of experts to smooth the progress of obtaining financial support.

Grants are there for those who need them but you’ll never get them if you don’t ask. Professionals can not only help you find the right funds, but offer an advantage of proficient expertise that might otherwise elude you and your chances of attaining the money that will bring your dream to reality.

Many people don’t apply for government grants thinking there business and privacy will be known to government. The other reason is legal and paper work required to complete the application process. Others think that borrowing money from government will be time consuming and have to repay in big installments. <br/><br/>

All these reasons are not true. The application process is straight forward, although government does ask for detailed information. The application process also takes more time then borrowing money from banks or private companies. The good part that in some cases you don’t have to repay the money as long you meet the required underling conditions and in some cases you pay back money in easy installments with interest rates lower then the offered rates from banks and financial institutions.<br/><br/>

The process is simple, as in the case of scholarships. You apply for the grant after gong through the grants available through various departments. The first condition is to meet the requirements as in the case of applying for scholarships. You are required to furnish proposal for which you applying. If proposal matches with grant program and your requirements for grant are complete, then you assured of getting the grants. In case of applying for government grants, the credit score and your past history does not pay any role. This program is designed to help and invest in small business and weaker section of societies. <br/><br/>

The process allows you to file application online and then track progress of your applications. Since all information is available online, you can apply for more then one program for free government grants. <br/><br/>

<b>Free Government Grants</b><br/>

<ul>

<li>Government Grants</li>
<li>Business Grants </li>
<li>Minority Grants</li>
<li>Medical Grants </li>
<li>Personal Grants </li>
<li>Education Grants</li>
<li>Housing Grants</li>
<li>Grants for Women </li>
<li>Government Loans </li>
<li>Environment Grants </li>
<li>Student Loans</li>
</ul>

As you read these, you may think they’re too simple to be all that important. You would be wrong! Follow the guidelines below, and you’ll get more grant money than 95% of the other schools that apply.

First, know specifically what your needs are and match those needs closely with the granting entity’s mission. Let’s say your students read two grade levels below normal. The U.S. Department of Education gives money to schools who have students with math levels two grade levels below normal.

That’s not a match.

You need lots of new library books. They give money for innovative technology programs.

That’s not a match.

You should always contact the granting agency BEFORE you start filling out their grant application. If you do not have a fairly close match between your needs and their purpose for giving, you are not going to get the grant money you need. Many times a phone call or an email can save you hours and hours of work.

First, match your needs with their purpose for giving.

Second, complete the application EXACTLY as you are instructed by the granting entity. If you don’t, either your application score will not be high enough to compete with other schools also applying for the grant, or your application won’t be read at all. If it says use 12-point type, use 12-point type, not 10, not 14. If it asks for a formal budget, submit a formal budget, not a loose bunch of numbers not specifically directed at the problem.

Follow directions. You expect students to follow directions exactly. Agencies that give grants expect you to follow directions, too.

Third, apply for many grants, not just one or two. For each problem you have, submit at least three grants. Try to solve four different problems. Do the multiplication—that’s 12 applications right there.

Follow the two simple steps above, and the grant money will start coming in quickly once you apply step three.

Once you’ve matched up your needs to their purpose for giving, once you’ve followed their grant application directions completely, then all you need to do is crank out enough applications. It’s a numbers game. Your odds just went up geometrically.

I’m not going to tell you that getting grant money is easy, but if you follow these three basic guidelines, you’ll get as much or more grant money than 95% of the other schools in the United States.

Oh, you’ve heard government grants are only for non-profit organizations? Maybe you’ve been advised government grants are just hype and no funding is available to individuals or the small business. Don’t believe it!

Visual artist Nancy L. Purington, of Iowa City will use her 2007 funding to create and frame photographs and artwork in compositions inspired by the Mississippi River. Nancy received a grant of $6,500.

Okay, maybe a small grant of $6,500 won’t change your life, or expand the business you now own. There’s that belief you can’t get grant money needed to increase or start your business. Guess what? In May 2007, TechSolve, Inc. located in Ohio is a private company and they received a grant award of $1,464,470. This isn’t hype. Funding is documented online. TechSolve’s grant money award can be found on the US Department of Labor’s web site.

So now the question in your mind is how did they do it? That’s exactly what The Grant Authority book teaches you. This book was written for the business person, the college student, the self employed, and those with the desire to forge ahead to attain their greatest potential. The Grant Authority gives you leading edge knowledge. Below is a tiny example:

What grantors really want you to say in your grant proposal.

Online research tools to find potential grants that others do not find.

Learn to prepare and submit grant proposals online, a must for today’s grant writer.

Want to explode your bank account with free grant money? Then order GRANT AUTHORITY TODAY and begin writing your grant success story. The Grant Authority book is your valuable comprehensive training manual you need. Buy it now; do not wait, because government grants get snatched fast by those who know the secrets this book teaches you.

But for this they need to qualify for these grants. If the women qualify for the grants then they will never be asked to pay back the money. They can use this money for their personal uses and they will not be answerable to anybody. The federal grants that are given to the women can be of various sizes and it is also given for a number of reasons.

Free Grants

These grants are given absolutely for free. These grants are specially designed for women who want to start off with the new business. These women have the great opportunity to get grants from the federal government. Not only starting a new business, if the women who owns a business wants to improve their business they can get free federal grants.

Federal grants for women are therefore very common in America. You might get the grant for quite a number of requirements in your business. You can receive the federal grants for women to buy new furniture for your office.

You can even get the grant for hiring new employees. You can also get the grants to pay some tax. Overall the grant is given to the women so that they can make their business grow. The federal grants for women were provided by the government so that a healthy economy can be promoted as well as stability can be brought in the society.

The best way to find a federal grant for you is to search for a person who has received a similar grant. The person will be able to tell you in details where to for and what do you need to do to receive the grant.

Other Instructions

To find out more about the federal grants for women you can also try online search. Type the keyword in a search engine and you will get a list of information. Check out all the information one by one and you will get the desired result. You will find this information very useful.

You will find a list of websites. All websites must not be helpful to you. Try to search for the more helpful websites and once you find them be ready as there might be some kind of obligations which you need to fulfill. You will surely find some free sources to help you get the federal grants for women.

While you can attain free money from government grants, it is vital you take your time to find a reputable company that is trustworthy.

Daniel J Stevens has compared and reviewed the top Government grant programs available today online!

Find out what he rated number 1 Government Grant Program at http://www.GovermentGrantReviews.com

And if you want to know how you can start claiming your free Government Grant today get this $47 product for free at http://www.Govermentgrantreviews.com/free.html