Starting or expanding any kind of small business is difficult, but it can be especially difficult if you don’t have enough capital. Raising capital for start-up or expansion is often your biggest challenge. If a loan is not possible for you right now, and if you haven’t been able to line up any investors, don’t give up hope. There may be a chance that you qualify for government grants for small business from the U.S. federal government.Small businesses have historically played a significant role in the U.S. economy. That’s why the government has an interest in facilitating the growth of small business with government grants for small business. Even though small business is central to our economic health, the bureaucrats in Washington are not necessarily just waiting to give out government grants for small business. The government normally uses grant money to encourage business development in certain fields or specific locations, or to level the playing field for everyone. But there are quite a few bona fide government grants for small business and they can be substantial.Government grants for small business are available to new business start-ups and existing businesses. As you might suspect, you’re probably not the only small businessman looking for help in the form of government grants for small business. Be prepared for competition if you qualify and apply for a small business grant. Attention to detail in the application process can often make the difference between winning and losing government grants for small business.Depending on the amount of money involved, application procedures and forms for government grants for small business can be long and complex. The trick is to break the application into manageable pieces. If you don’t already have an existing team of business partners to help you, consider outsourcing some of the application work to a consultant or freelance writer. When it comes to government grants for small business, application deadlines are firm and turning your application in late is not an option.You can do some basic research on the availability of government grants for small business at the Small Business Administration’s website. The SBA is mandated with helping small businesses succeed, but they normally don’t give grants directly. Government grants for small business are usually provided by other agencies, depending on what the grant is meant to accomplish.If you’re interested in starting a small business or expanding your existing business, then you should start finding out all you can about government grants for small business. You may want to opt for an online directory service to help you figure out which government grants for small business you might qualify for. The structure of government can be mystifying sometimes, and you wouldn’t want to miss out on a grant you’re qualified for just because you couldn’t find it. You’ll soon learn that the secret to your small business success is to concentrate on doing what you do best, and outsource the rest.

For many reasons, some, economic, while others, related to the pandemic – related, so – called, fatigue, etc, home prices, in most areas, have gone up, at, or, near, record amounts! Because of the prolonged period of artificially – created, low – interest rates, mortgage rates, have been at historic lows! Since, for most home buyers, using financing is essential to affording a purchase, when a low rate, causes cheap money, and, thus, the ability to afford more home – for – the – buck, prices usually rise! It permits qualified buyers to qualify for more money/ loan, because the ratio of monthly mortgage, to overall income, is artificially – reduced! How long will this trend continue, will it become the new – normal, will previous trends/ cycles return, and how will pricing be affected, in the immediate, intermediate, and longer – run, are, all factors, to consider! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, some possibilities, to consider, and understand.

1. Short – term: Since, the Federal Reserve Bank, announced, they planned to raise rates, three times in 2022 (of course, this was before the potential implications, and ramifications, from the Omicron variant), many feel pressure, to act quickly, to take advantage of today’s low rates, before they go up! Three increases will probably translate to, at least, a 0.75% higher rate, which will translate, for most mortgages, to hundreds of extra dollars, per month. Some things to consider, and pay attention to, is, this rate of increased home prices, will, probably, not continue, especially, at such a large degree! How longer one, expects to keep a specific house, is, one issue, to consider, thoroughly, and wisely, before proceeding!

2. Intermediate – term: Although, many believe, to – know, the precise timing of any projected rate – hike, is uncertain! The Fed has changed, and/ or, altered its strategies and approaches, in the past, What the intermediate – term, may bring, including potential inflationary pressures, how long the economic conditions, and unknown factors, related to the pandemic, etc, will determine, largely, what this phase, may bring! In addition, the attitude, and perceptions of buyers, and their confidence, etc, largely impact this real estate market!

3. Longer – term: In the longer – run, will things, restore, to what we have seen, so often, in the past, which is, alternating cycles, between, Sellers, Buyers, and Neutral Markets? The possibilities, include: a continued large escalation; a more – gradual, but persistent – one; some leveling; and/ or, will we see, at least, in certain areas, some sort of falling prices, for a period.