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MD CASH Academy classes are for adults who want to learn more about managing their financial lives.  We offer a wide range of classes for people who are interested in budgeting, managing debt, saving for the future, filing their taxes or managing their insurance.

You must complete our free registration on the site in order to be able to sign-up for one of our classes online.

Upcoming events

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Germantown Campus (Building HT, Room 304), 20200 Observation Drive, Germantown, MD 20876
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 216), 51 Mannakee Street, Rockville, MD 20850
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • The Money Workshop for Couples

    • 07 Feb 2012
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Central Library (Poe Room), 400 Cathedral Street, Baltimore, MD 21201
    • 15
    Register
    Description: The Baltimore CASH Campaign and Enoch Pratt Free Library present a money workshop for couples.

    Come with your partner and uncover your personal money style, identify financial goals and leave with the tools you need to work effectively together to build a financially secure future.

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  • Building a Better Credit Report

    • 07 Feb 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 20
    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.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • 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.

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  • 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

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Germantown Campus (Building SA, Room 162), 20200 Observation Drive, Germantown, MD 20876
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    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.



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  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Germantown Campus (Building HT, Room 216), 20200 Observation Drive, Germantown, MD 20876
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    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.

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  • Money Management Workshop

    • 25 Feb 2012
    • 10:00 AM - 12:00 PM
    • 30 Courthouse Square, Suite #100, Rockville, MD 20850
    • 23
    Register

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    In this money management class, you will learn:

    -Spending on family needs, not wants

    -How you can have a budget when you have no money

    -How to eliminate, postpone or reduce expenses

    -Short-term solutions to emergencies

    -Prioritizing bills and knowing what bills to pay first

    -Spending your tax refund on things you need.


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


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  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Germantown Campus (Building SA, Room 162), 20200 Observation Drive, Germantown, MD 20876
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    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.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    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.
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  • Getting and Keeping Your Ride on the Road

    • 01 Mar 2012
    • 6:30 PM - 7:30 PM
    • Habitat for Humanity of Montgomery County, Inc., 9110 Gaither Road, Gaithersburg, MD 20877
    • 25
    Register
    Description: Thinking of buying a new or used car? Wonder if your mechanic is the best one for your car? Come learn all the secrets to buying a car, choosing a repair shop and maintenance tips you can't live without.

    This class is brought to you by: Sue Rogan

    Mrs. Rogan is the Financial Education Consultant with the Maryland CASH Campaign. She has nineteen years of experience as an Investigator and Communications Manager with the Montgomery County Office of Consumer Protection. She is an active member of the Coalition for the Advancement of Financial Education in Montgomery County, Maryland.
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  • 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.
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  • 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.
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  • 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.
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  • 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.
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  • Making the Most of Your Spending Plan

    • 13 Mar 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of MD and DE, Inc. 757 Frederick Rd., 2nd Floor Baltimore, MD 21228
    • 19
    Register
    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.

    In this class, you will learn:
    -How to create a spending plan
    -How to set attainable goals
    -Techniques to track your spending, and
    -About budget busters that can destroy your spending plan and how to avoid them.

    This workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware, Inc.

    This class is provided by:
    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org.

    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).
    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.
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  • Money Management Workshop

    • 31 Mar 2012
    • 10:00 AM - 12:00 PM
    • 30 Courthouse Square, Suite #100, Rockville, MD 20850
    • 25
    Register

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    In this money management class, you will learn:

    -Spending on family needs, not wants

    -How you can have a budget when you have no money

    -How to eliminate, postpone or reduce expenses

    -Short-term solutions to emergencies

    -Prioritizing bills and knowing what bills to pay first

    -Spending your tax refund on things you need.


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    Show details

  • Identity Theft

    • 10 Apr 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of MD and DE, Inc. 757 Frederick Rd., 2nd Floor Baltimore, MD 21228
    • 24
    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.


    By attending this class, you will learn to:

    -Recognize when their identity has been comprised and where to report it

    -Revise current behaviors to deter identity theft, and

    -Chart course of action if Identity Theft is suspected


    This workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware, Inc.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Money Management Workshop

    • 28 Apr 2012
    • 10:00 AM - 12:00 PM
    • 30 Courthouse Square, Suite #100, Rockville, MD 20850
    • 25
    Register

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    In this money management class, you will learn:

    -Spending on family needs, not wants

    -How you can have a budget when you have no money

    -How to eliminate, postpone or reduce expenses

    -Short-term solutions to emergencies

    -Prioritizing bills and knowing what bills to pay first

    -Spending your tax refund on things you need.


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    Show details

  • Building a Better Credit Report

    • 08 May 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 25
    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.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Money Management Workshop

    • 26 May 2012
    • 10:00 AM - 12:00 PM
    • 30 Courthouse Square, Suite #100, Rockville, MD 20850
    • 25
    Register

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    In this money management class, you will learn:

    -Spending on family needs, not wants

    -How you can have a budget when you have no money

    -How to eliminate, postpone or reduce expenses

    -Short-term solutions to emergencies

    -Prioritizing bills and knowing what bills to pay first

    -Spending your tax refund on things you need.


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    Show details

  • Making the Most of Your Spending Plan

    • 05 Jun 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of MD and DE, Inc. 757 Frederick Rd., 2nd Floor Baltimore, MD 21228
    • 23
    Register
    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.

    In this class, you will learn:
    -How to create a spending plan
    -How to set attainable goals
    -Techniques to track your spending, and
    -About budget busters that can destroy your spending plan and how to avoid them.

    This workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware, Inc.

    This class is provided by:
    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org.

    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).
    Show details

  • Money Management Workshop

    • 30 Jun 2012
    • 10:00 AM - 12:00 PM
    • 30 Courthouse Square, Suite #100, Rockville, MD 20850
    • 25
    Register

    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.


    In this money management class, you will learn:

    -Spending on family needs, not wants

    -How you can have a budget when you have no money

    -How to eliminate, postpone or reduce expenses

    -Short-term solutions to emergencies

    -Prioritizing bills and knowing what bills to pay first

    -Spending your tax refund on things you need.


    This class is provided by: Alfred Thompson

    Mr. Thompson is the Community Service Referral Coordinator for the City of Rockville. He has seven years of experience teaching Money Management. He also has an extensive background in parenting education and mental health counseling.


    Show details

  • Identity Theft

    • 11 Sep 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of MD and DE, Inc. 757 Frederick Rd., 2nd Floor Baltimore, MD 21228
    • 25
    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.


    By attending this class, you will learn to:

    -Recognize when their identity has been comprised and where to report it

    -Revise current behaviors to deter identity theft, and

    -Chart course of action if Identity Theft is suspected


    This workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware, Inc.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Building a Better Credit Report

    • 09 Oct 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 25
    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.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Making the Most of Your Spending Plan

    • 13 Nov 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of MD and DE, Inc. 757 Frederick Rd., 2nd Floor Baltimore, MD 21228
    • 25
    Register
    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.

    In this class, you will learn:
    -How to create a spending plan
    -How to set attainable goals
    -Techniques to track your spending, and
    -About budget busters that can destroy your spending plan and how to avoid them.

    This workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware, Inc.

    This class is provided by:
    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org.

    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).
    Show details

 
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