Tag: USAGov

Saving and Investment Options | USAGov

Learn how to budget to reach your savings goals. Get the basics on a variety of investments, including savings bonds and other Treasury securities backed by the federal government.

Things to Consider Before You Invest

If you want to pay for retirement, college, or a home, you can invest your money to fund your goals. Before you invest, make sure you can answer all of these questions:

  • What type of earnings can you expect on your investment? Will you get income in the form of interest, dividends, or rent?

  • How quickly can you get your money, if you need to sell or cash in your investment? You can sell stocks, bonds, and shares in mutual funds at any time. However, there is no guarantee you’ll get back all the money you invested. Other investments, such as certificates of deposit (CDs) or IRAs, often limit when you can cash out.

  • What

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Personal Insurance | USAGov

Learn about different types of personal insurance.

Short-Term and Long-Term Disability Insurance

If you can’t work because you get sick or injured, disability insurance will pay part of your income. You may be able to get insurance through your employer. You can also buy your own policy.

Types of Disability Policies

There are two types of disability policies.

Employers who offer coverage may provide short-term coverage, long-term coverage, or both.

If you plan to buy your own policy, shop around and ask:

Federal Disability Programs

Two Social Security Administration programs pay benefits to people with disabilities. Learn about Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

Health Insurance Plans

Health insurance helps you pay for medical services and sometimes prescription drugs. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses–usually a certain dollar amount or percentage of

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Government Grants and Loans | USAGov

Learn about government grants and loans for states and organizations. The government does not offer “free money” for individuals. If you are seeking help, please visit our Benefits page.

Free Money from the Government

The federal government does not offer grants or “free money” to individuals to start a business or cover personal expenses, contrary to what you might see online or in the media. Websites or other publications claiming to offer “free money from the government” are often scams. Report them to the Federal Trade Commission. 

The government  does offer federal benefit programs designed to help individuals and families in need become self-sufficient or lower their expenses. 

Government Grants

What is a grant from the government?

A grant is one of the ways the government funds ideas and projects to provide public services and stimulate the economy. Grants support critical recovery initiatives, innovative research, and many other programs listed

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Finance Your Business | USAGov

Explore the variety of government-backed loans and funding programs for your business.

Small Business Loans

Government loan programs offer financial support to people starting or expanding a business. This helps those who may have trouble qualifying for a traditional bank loan. 

In these programs, you’ll apply by creating a loan package with a participating lender. The federal government will guarantee a portion of the loan and will repay the lender if you default. This government guarantee reduces the risk to the lender and increases the likelihood of a loan being offered. 

Use these government resources and services to find a loan that best suits your business needs: 

  • Small Business Administration (SBA) – Explore many types of loans for starting and expanding a business, handling disasters, and exporting goods. 

  • U.S. Department of Agriculture (USDA) – Get information on government-guaranteed loans for rural businesses and local program contacts.

  • GovLoans – Research many

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Start Your Own Business | USAGov

Learn how to open your own business, and find programs to help military veterans and minorities get started.

Start a Business

Building your own business from the ground up is an exciting opportunity, but it can also be challenging.   

Follow the 10 steps from the Small Business Administration (SBA) to starting a business. You’ll learn about writing a business plan, determining the legal structure of your business, and more.

Avoid common mistakes and get advice from experienced small business owners who want to help. Local SBA partner organizations offer free access to mentors and trainers.

The following tips and checklists can help you with other important parts of the process.

Business Funding Options

Learn about a wide range of funding options to help start your business, such as government-guaranteed loans, grants, and other financial assistance.

Tax Requirements to Start a Business

It’s important for your business to comply with federal,

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United States Currency | USAGov

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