Upcoming events

  • Budgeting Workshop

    • 08 Feb 2012
    • 5:30 PM - 7:30 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 23
    Register
    Description: This presentation will be a practical combination of personal budgeting concepts and practice, and will be designed to meet the following objectives:

    1. What do I have now? (your assets, debts, etc);ie: establishing current financial condition
    2. Money attitudes: mine and my family's (brief survey) ie: clarifying basis of decision-making
    3. Goalsetting: identifying personal financial short, intermediate, long-term goals
    4. Budget development (a start..): planning cash inflow, cash outflow

    This class is provided by Dr. Judith Kizzie, a member of the Howard County Financial Education Alliance.

    Dr. Judith Kizzie is an Associate Professor of Business and Financial Planning at Howard Community College (www.howardcc.edu). The website for Howard County Community College financial planning is tinyurl.com/HCCFinPlngprog.

    Show details

  • Savvy Social Security Planning Workshop

    • 13 Feb 2012
    • 7:00 PM - 9:00 PM
    • Miller Library, 9421 Frederick Road, Ellicott City, MD
    Description: There is more to Social Security than meets the eye. At this free workshop you will learn the following and much more:

    • 5 factors to consider for deciding when to start taking benefits
    • Health of the system and whether benefits are likely to change
    • Innovative strategies for coordinating benefits with your spouse
    • How to coordinate benefits with other sources of income
    • How to minimize taxes on your benefits, and
    • Special rules on benefits for divorced spouses
    Click here to register online or call (410) 740-1300.
    Show details

  • Pump Up Your Piggy Bank

    • 15 Feb 2012
    • 5:00 PM - 6:00 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 24
    Register
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    This class is instructed by: Shani Gibson (Maryland CASH Campaign), a member of the Howard County Financial Education Alliance.



    Show details

  • Homeownership Education Workshop

    • 25 Feb 2012
    • 10:00 AM - 11:00 AM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 24
    Register
    Description: Achieving the American Dream of homeownership is a path with many steps. If you are a prospective homeowner or simply interested in learning the ins-and-outs of the home purchasing process, this is the class for you.

    Participants of this class will learn:
    • Is homeownership right for me?
    • Saving for homeownership
    • Pre-approval process for financing
    • The basics of mortgages, and
    • Additional costs of homeownership

    This class is provided by Beth Viscarra, a member of the Howard County Financial Education Alliance.

    Beth Viscarra is a fulltime licensed Maryland Realtor that specializes in working with first time home buyers and financially distressed homeowners. She has pursued advanced education in short sales and foreclosures and earned a Bachelor of Science degree from the University of Maryland in Social Work and Psychology.

    Show details

  • How to Negotiate a New Vehicle

    • 29 Feb 2012
    • 5:00 PM - 7:00 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 24
    Register
    Description: The presentation will cover how to navigate the entire process of negotiating a new vehicle.  This includes how to choose a vehicle, test drive it, negotiate it, and navigate the items dealer will try to sell you after the sale.

    Participants will learn:
    1) How to navigate through the car buying process more efficiently and effectively.
    2) How to minimize the opportunities to get taken advantage of during the process.
    3) How to save money on the process of buying a new vehicle based on the methodology From Car to Finish uses when doing it for consumers.

    This class is provided by Mike Rabkin, a member of the Howard County Financial Education Alliance.

    Mike Rabkin has 18+ years experience successfully negotiating over 7500 new vehicles for purchase and/or lease for a national car shopping service.  He has 8+ years experience as editor of a nationally recognized industry automotive rebate newsletter, and has 4 years experience negotiating automobile extended service contracts.  Finally, he has 1 year of experience test driving and reviewing new vehicles for an automotive  review website.  He’s a consumer advocate and car nut, and loves to haggle!  He left his previous job at a nonprofit consumer group a few years back to create From Car to Finish, which is a national new vehicle negotiating service and vehicle information/research site.  His goal is to create one stop shopping so people can learn how to navigate the entire car buying process from start to finish.
    Show details

  • Avoiding ID Theft & Scams

    • 05 Mar 2012
    • 5:30 PM - 6:30 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 23
    Register
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -Common ways identity theft occurs
    -How to protect private information when using the internet and smart phones
    -How to report and correct identity theft
    -Consumer frauds and scams (work at home, scholarships, money transfers, etc.)

    This class is provided by:     Shani Gibson (Maryland CASH Campaign), a member of the Howard County Financial Education Alliance.
    Show details

  • Laboring Over Long Term Care

    • 06 Mar 2012
    • 7:00 PM - 9:00 PM
    • Oakland Manor at Columbia Town Center, 5430 Vantage Point Road Columbia, MD 21044
    Description: Healthcare and Long-Term Care costs are the leading cause of financial distress for retirees. Attend this session to learn how to protect yourself and your family.

    In this session we will teach you:
    • The facts and figures regarding the likelihood of needing Long-Term Care and the cost of coverage in our area.
    • The three common misconceptions of Long-Term Care and the potential ramifications of making the wrong assumptions about who, how, and where care will be provided for you as you age.
    • Who does and doesn’t pay the cost of Long-Term Care and what, if anything, to expect from Medicare, Medicaid, and Medigap insurance.
    • What specifically Long-Term Care policies cover and how to effectively evaluate policy features, benefits, and costs.
    • Several alternatives to traditional Long-Term Care insurance that may be more beneficial for your particular situation.
    • How Medicare works and why Medigap plans are a critical part of creating comprehensive healthcare protection.
    Click here to register online or call (410) 740-1300.
    Show details

  • Examining Estate Planning and Estate Taxation

    • 07 Mar 2012
    • 7:00 PM - 9:00 PM
    • Oakland Manor at Columbia Town Center, 5430 Vantage Point Road Columbia, MD 21044
    Description: No matter how large or small your estate, if you want to make certain your plan is complete,  optimized and hassle-free for your family, this session will teach you how.

    • Why conflicts arise upon death and how proper estate planning can help preserve family harmony.
    • How to optimize your estate plan to reduce or eliminate Federal and State death taxes.
    • Why it might be beneficial to avoid the time, expense, and hassle of Probate, and how to do so properly.
    • The pros and cons of Wills vs. Trusts, and which one might be best for your particular situation.
    • All about Trusts (By-Pass, Legacy, Q-TIP, Living and Irrevocable), how they work and how they can be used and combined to prevent costly and time consuming estate problems for your family.
    • How to structure your life insurance for optimal tax efficiency and passing on the maximum benefit.
    Click here to register online or call (410) 740-1300.
    Show details

  • Maximizing Retirement Income

    • 08 Mar 2012
    • 7:00 PM - 9:00 PM
    • Oakland Manor at Columbia Town Center, 5430 Vantage Point Road Columbia, MD 21044
    Description: If your retirement financial goals include maximizing income, safety of principal, growth, liquidity, tax-advantages and maintaining control of your money, don’t miss this session!

    • How to coordinate, sequence and optimize income from Social Security, Pensions, savings and other sources.
    • Methods and strategies for reliably turning your savings (401(k)s, IRAs, TSPs, etc.) into the maximum income possible during retirement.
    • How to position your portfolio for stock market growth in a way that never puts your retirement income at risk should markets fall.
    • Strategies for protecting principal and helping you guard against the major financial risks of retirement.
    • How today’s advanced, modern annuities work and the pros & cons of using them in your plans.
    • How to create a comprehensive retirement plan that is flexible and adaptable to your changing retirement financial needs.
    Click here to register online or call (410) 740-1300.
    Show details

  • Credit & Borrowing

    • 21 Mar 2012
    • 5:30 PM - 6:30 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 23
    Register
    Description:The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    This presentation will cover credit and borrowing. Participants will learn about:
    1) Defining Credit
    2) Uses of Credit, and
    3) Managing Credit

    This class is provided by Greg Clanzy, a member of the Howard County Financial Education Alliance.

    Mr. Clanzy is an Assistant Vice President/Financial Center Leader with BB&T at the Columbia Main Branch in Columbia, MD.  His primary function is to manage the overall branch in sales and operations as well as facilitate all deposit, investing and credit requests for  commercial and retail clients.
    Show details

 
Copyright © 2010 MD CASH
Site by Nicasio LLC