Financial Solutions

The Federal Trade Commission's Mail Order Rule allows the seller 30 days to ship ordered products to the buyer unless otherwise specified at the time of purchase. If the seller cannot ship within the 30-day period they are required to notify the buyer in writing of the delay and give the option of waiting or having their money returned within seven days. Credit card payments must be credited within one billing cycle. ~~We advise careful consideration if you are thinking about responding to ads for "free" grant money. Our experience with similar offers has been that companies placing government grant ads have no affiliation with the government but rather are third parties attempting to capitalize on information that can be obtained for free from government agencies or websites. For example The Department of Health and Human Services (DHHS) diseminates information upon request and via their website on grants and loans entitled " The Catalog of Federal Domestic Assistance. You can obtain the information for free by calling the DHHS local office or visit their website at www.aspe.os.dhhs.gov. Government grants are not designed to provide a means for you to pay your bills or have extra spending money. Generally obtaining a grant is a complicated process requiring documentation and research and are primarily for education research and business purposes. Although foundations may exist whose requirements are based on personal preference the vast majority requires applicants to meet very specific guidelines they have established to even qualify.