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*CLASSES FOR PROMISE PARTICIPANTS*




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. Our Educators and Partners provide fact based financial education without providing financial advice or selling any products or services. 
 
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

    • 23 Jan 2017
    • 4:00 PM - 6:00 PM
    • TransCen, 1 N. Washington Street Suite 450, Rockville, MD


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!




    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station.


    Refreshments and snacks will be provided!


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 23 Jan 2017
    • 6:30 PM - 7:30 PM
    • 2527 Augustine Herman Highway Chesapeake City, Maryland 21915
    • 10

    This workshop will cover the following:


    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.

    When responding please indicate how many will be attending.


    • 24 Jan 2017
    • 11:30 AM - 1:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    Come to this interactive and fun workshop to learn ways to conduct your daily money purchase, pay bills and mange your accounts in a safe, efficient and low cost way.


    We will also briefly touch on savings, and how to set and reach a financial goal.


    Come learn how to rule your money! 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 24 Jan 2017
    • 6:00 PM - 7:00 PM
    • 111 Colonial Way Rising Sun, MD 21911
    • 10

    This workshop will cover the following:


    • Examining their expenses
    • Identify ways to track their budget
    • Create financial goals

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.

    When responding please indicate how many will be attending.


    • 24 Jan 2017
    • 6:30 PM - 8:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    Come to this interactive and fun workshop to learn ways to conduct your daily money purchase, pay bills and mange your accounts in a safe, efficient and low cost way.


    We will also briefly touch on savings, and how to set and reach a financial goal.


    Come learn how to rule your money! 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 30 Jan 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 31 Jan 2017
    • 11:30 AM - 1:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    Come to this interactive and fun workshop to 

    learn how and why to get your credit report, what affects your credit score and ways to build or rebuild a positive credit history. 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager, or contact Jodie Zisow-McClean, jodie@mdcash.org, 443-692-9433.




    • 31 Jan 2017
    • 6:30 PM - 8:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    Come to this interactive and fun workshop to 

    learn how and why to get your credit report, what affects your credit score and ways to build or rebuild a positive credit history. 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager, or contact Jodie Zisow-McClean, jodie@mdcash.org, 443-692-9433.




    • 31 Jan 2017
    • 7:00 PM - 9:00 PM
    • Oakland Manor at Columbia Town Center, 5430 Vantage Point Road Columbia, MD 21044

    Will your estate transfer quickly and issue-free to your heirs with the maximum amount possible? Here you will learn:

    • 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 you
    • How Estate Planning has changed in a new environment of rising estate tax exemptions and exemption portability.
    • How to plan for incapacity and avoid guardianship situations.
    • Why conflicts arise upon death and how proper estate planning can help preserve family harmony
    • How to structure your life insurance for optimal tax efficiency and passing on the maximum benefit
    Registration Required

    Click to Register Online

    Your presenter will be Mark Timmick, a local Retirement & Estate Planning Specialist. Mr. Timmick is an experienced retirement planning professional and Investment Advisor Representative. He is also a published author and frequent public speaker, he has written for local newspapers, he is an active member of the Financial Planning Association, and he is the current President of the Howard County chapter of The Society for Financial Awareness. 


    • 01 Feb 2017
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    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:
    -The necessary steps for creating a spending plan
    -How to set financial goals
    -About their money habits

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 01 Feb 2017
    • 5:30 PM - 7:30 PM
    • Chesapeake Community College, Cambridge Campus, 416-418 Race St, Room 101

    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.


    By the end of this class, you will:
    • Know the pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • Understand the distinction between "spending less" and "saving," and
    • Explore the wonders of compound interest.
    • Learn about the new ABLE Accounts so you can build savings without losing eligibility for SSI and other important benefits like healthcare.


    Registration for this even is requested for this event. You can register here on CASH Academy or by calling Jodie at 443-692-9433.

    • 01 Feb 2017
    • 7:00 PM - 9:00 PM
    • Historic Oakland Manor at Columbia Town Center, 5430 Vantage Point Road, Columbia, MD 21044
    There is more to Social Security than meets the eye. At this 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
    • Special rules on benefits for divorced spouses

    Registration Required


    Click to Register Online



    Your presenter will be Mark Timmick, a local Retirement & Estate Planning Specialist. Mr. Timmick is an experienced retirement planning professional and Investment Advisor Representative. He is also a published author and frequent public speaker, he has written for local newspapers, he is an active member of the Financial Planning Association, and he is the current President of the Howard County chapter of The Society for Financial Awareness. 

    • 02 Feb 2017
    • 7:00 PM - 9:30 PM
    • Historic Oakland Manor at Columbia Town Center, 5430 Vantage Point Road, Columbia, MD 21044
    What’s more essential to retirement happiness than having a plan for your financial security? In this workshop you will learn:
             
    • How to accurately determine how much you'll need to have saved for retirement
    • Methods and strategies for reliably turning your savings (401(k)s, IRAs, TSPs, etc.) into the maximum income possible during retirement.
    • 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

    Registration Required


    Click to Register Online


    Your presenter will be Mark Timmick, a local Retirement & Estate Planning Specialist. Mr. Timmick is an experienced retirement planning professional and Investment Advisor Representative. He is also a published author and frequent public speaker, he has written for local newspapers, he is an active member of the Financial Planning Association, and he is the current President of the Howard County chapter of The Society for Financial Awareness. 

    • 06 Feb 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 07 Feb 2017
    • 11:30 AM - 1:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 2174


    Come to this interactive and fun workshop to learn wasy to choose credit cards, students loans and car loans. 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 07 Feb 2017
    • 6:30 PM - 8:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 2174


    Come to this interactive and fun workshop to learn wasy to choose credit cards, students loans and car loans. 


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 08 Feb 2017
    • 10:30 AM - 11:30 AM
    • 9421 Frederick Rd Ellicott City MD 21042
    • 10

    Does investing seem like an alphabet soup? Do you know the difference between an ETF and a MF, or a MMF and a CD? Are you risk averse and worried about losing money?


    To register please click here!

    • 08 Feb 2017
    • 5:30 PM - 7:30 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014

    Are You Savvy When it Comes to filing for Social Security Benefits?


    Join us for this informative seminar by Jodi M. Davis of The Kelly Group


    Recent changes to Social Security claiming strategies will have a significant impact on the options available to many people. This workshop is particularly tailored to individuals age 55 or older and not yet taking Social Security benefits. Jodi review of the filing limits and changes from the new legislation, what strategies remain available and to what age groups, how to maximize your Social Security benefits.


    Space is limited so RSVP by calling 410-612-2361 or by emailing us at workshopRSVP@apgfcu.com


    Jodi M. Davis is a Financial Advisor for The Kelly Group

    jdavis@kellygrouponline.com www.kellygrouponline.com

    • 08 Feb 2017
    • 6:00 PM - 7:00 PM
    • 10375 Little Patuxent Pkwy Columbia MD 21044
    • 10

    Does investing seem like an alphabet soup? Do you know the difference between an ETF and a MF, or a MMF and a CD? Are you risk averse and worried about losing money?


    To register please click here!

    • 13 Feb 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 14 Feb 2017
    • 11:30 AM - 1:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    As a young adult venturing out on your own, learn how to explore housing options and all the costs associated with moving, setting up your home, establishing accounts and being independent in this fun and interactive workshop.


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 14 Feb 2017
    • 6:30 PM - 8:00 PM
    • Turning Point, 328 N. Potomac St. Hagerstown MD 21740


    As a young adult venturing out on your own, learn how to explore housing options and all the costs associated with moving, setting up your home, establishing accounts and being independent in this fun and interactive workshop.


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 15 Feb 2017
    • 6:00 PM - 7:00 PM
    • 2350 State Route 97 Cooksville MD 21723
    • 10

    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.


    To register please click here!

    • 21 Feb 2017
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Free Library 400 Cathedral Street Baltimore, MD 21201
    • 16

    Financial Freedom? Debt Free? Take control of your finances? Learn about credit and how to build/repair credit?

    Free? Free?!


    Looking for a place to serve and give back to Baltimore?

    A place to connect with real people in the community with real needs to make a lasting positive change?

    Join us for a Meet and Greet held at the Central Enoch Pratt Library on 400 Cathedral Street.

    Learn more about our Financial Coaching program and why it works and how you can be a part of the movement to helping the people of Baltimore City achieve financial stability. Baltimore CASH (Creating Assets Savings and Hope) is committed to providing a proven service like our Financial Coaching program that we know you can and will benefit from!



    FAQs

    Will there be food and beverages?

    Yes! (light snacks and drinks)


    Where can I contact the organizer with any questions?

    moses@baltimorecash.org

    • 25 Feb 2017
    • 9:00 AM - 12:00 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014
    This seminar is a can't miss for first time home buyers! Participants will learn about the home buying process, what to look out for, and how best to prepare for home ownership!


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 01 Mar 2017
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 23
    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:
    -About the difference between credit reports and scores
    -How lenders value your scores
    -How to read credit reports

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 02 Mar 2017
    • 12:00 PM - 2:00 PM
    • 1681 Riedel Rd, Crofton, MD 21114
    • 10
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 02 Mar 2017
    • 5:00 PM - 7:30 PM
    • The Wellwood, 523 Water Street Charlestown, MD 21914
    It is critical that most women know how to save, invest and plan for their future. Financial planning is not a one-size-fits-all program, and this seminar will review frequently made financial mistakes, regardless of age----and provide refreshing clarity and ideas to approaching your overall financial life in a much more organized and coordinated way.


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 06 Mar 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 08 Mar 2017
    • 10:30 AM - 11:30 AM
    • 9421 Frederick Rd, Ellicott City, MD 21042
    • 10
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 08 Mar 2017
    • 6:00 PM - 7:00 PM
    • 10375 Little Patuxent Pkwy, Columbia, MD 21044
    • 10
    Minimize your taxes and maximize your refund by understanding the deductions and credit for which you are eligible, including the Earned Income Tax Credit (EITC). Roy Yenoli of MakingChange also explains the effects of the Affordable Care Act (ACA) on your return. In partnership with MakingChange.
    • 11 Mar 2017
    • 10:00 AM - 1:00 PM
    • 301 Newark Avenue, Elkton, MD 21921
    This seminar is a can't miss for first time home buyers! Participants will learn about the home buying process, what to look out for, and how best to prepare for home ownership!


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 16 Mar 2017
    • 5:30 PM - 7:30 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014

    Are You a Savvy Woman?

    Join us for this informative seminar from the
    Savvy Woman Series, focused specifically on women presented

    by, Jodi M. Davis, of The Kelly Group


    It is critical that most women know how to save, invest and plan for their future. Financial planning is not a one-size-fits-all program, and this seminar will review frequently made financial mistakes, regardless of age----and provide refreshing clarity and ideas to approaching your overall financial life in a much more organized and coordinated way.


    Space is limited so RSVP by calling 410-612-2361 or by emailing us at workshopRSVP@apgfcu.com


    Jodi M. Davis is a Financial Advisor for The Kelly Group

    jdavis@kellygrouponline.com www.kellygrouponline.com

    The Kelly Group and Cambridge are not affiliated.

    Securities offered through Cambridge Investment Research, Inc. a broker dealer, member

    FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a

    Registered Investment Advisor.

    • 20 Mar 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you know your own money personality?

    Understanding your money personality will help you understand why you make the money choices you make. 
     

    This worksop will cover the following: 

    • Identify various financial personalities 
    • Evaluate your financial motivators 
    • Establish financial goals 
    • Analyze financial concepts and terms 
    • Identify financial options available 
    • Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 


    • 21 Mar 2017
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Free Library 400 Cathedral Street Baltimore, MD 21201
    • 20

    Financial Freedom? Debt Free? Take control of your finances? Learn about credit and how to build/repair credit?

    Free? Free?!


    Looking for a place to serve and give back to Baltimore?

    A place to connect with real people in the community with real needs to make a lasting positive change?

    Join us for a Meet and Greet held at the Central Enoch Pratt Library on 400 Cathedral Street.

    Learn more about our Financial Coaching program and why it works and how you can be a part of the movement to helping the people of Baltimore City achieve financial stability. Baltimore CASH (Creating Assets Savings and Hope) is committed to providing a proven service like our Financial Coaching program that we know you can and will benefit from!



    FAQs

    Will there be food and beverages?

    Yes! (light snacks and drinks)


    Where can I contact the organizer with any questions?

    moses@baltimorecash.org

    • 25 Mar 2017
    • 9:00 AM - 12:00 PM
    • APG Federal Credit Union Home Loan Center 321 S. Main St. Bel Air, MD 21014
    This seminar is a can't miss for first time home buyers! Participants will learn about the home buying process, what to look out for, and how best to prepare for home ownership!


    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.



    • 03 Apr 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 05 Apr 2017
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    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:
    -Ways to get and build credit and how to maximize its effectiveness.

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 17 Apr 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 01 May 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 15 May 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 12 Jun 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 19 Jun 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 10 Jul 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 17 Jul 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 21 Aug 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 11 Sep 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 18 Sep 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 02 Oct 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the various topics below:

     

    • Preparing for the home-buying process 
    • Understanding the different product and pricing options 
    • Clarifying the mortgage process 
    • Avoiding financial pitfalls 
    • Planning for home maintenance and expenses 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 30 Oct 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Everything you need to build a better budget. 


    This workshop will cover the following: 

    • Recognize the benefits of budgeting 
    • Establish financial goals 
    • Evaluate personal spending habits 
    • Identify various ways to complete a budget 
    • Prepare a basic budget 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 


    When responding please indicate how many will be attending. 


    • 13 Nov 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    This workshop will cover the following:

    • Identify ways to properly use and build credit
    • Explain good credit practices
    • Identify measures to protect your credit
    • Know and explain what is in a credit report
    • Pinpoint credit report information used in forming your credit score
    • Identify security measures to protect from identity theft
    • Identify ways to maintain a good credit report

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.


    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.


    When responding please indicate how many will be attending.


    • 04 Dec 2017
    • 6:00 PM - 8:00 PM
    • 205 S. Hays Street, Bel Air, MD 21014

    Do you have a budget and still find yourself short on cash? 


    This workshop will cover the following topics: 

    • Assess causes of financial shortfalls and identify ways to prevent them 
    • Identify measures and steps to find hidden cash 
    • Identify habits and practices that will help increase your net worth 

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people. 

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com. 

    When responding please indicate how many will be attending. 

     


    • 18 Dec 2017
    • 6:00 PM - 8:00 PM
    • Habitat for Humanity Susquehanna, 205 S. Hays Street, Bel Air, MD 21014
    • 10

    This workshop will cover the various topics below:

    • Preparing for the home-buying process
    • Understanding the different product and pricing options
    • Clarifying the mortgage process
    • Avoiding financial pitfalls
    • Planning for home maintenance and expenses

    Reservations are required due to space capacity of the meeting room, which is limited to 20 people.

    To reserve your space, please call 410-612-2361 or email us at WorkshopRSVP@apgfcu.com.

    When responding please indicate how many will be attending.


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