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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. 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

    • 08 Feb 2016
    • 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. 


    • 09 Feb 2016
    • 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. 

    • 10 Feb 2016
    • 9:00 AM - 1:00 PM
    • The University of Baltimore School of Law 1401 North Charles St. Baltimore, MD 21202

    Attention Housing Counselors! This event is an overview of the Tax Sale and Tax Foreclosure in Maryland. Resources will be available for clients facing tax sale. Resources will also be available for housing counselors assisting a client facing tax sale.


    This training is open to Housing Counselors as well as pro bono attorneys


    To register please visit: www.probonomd.org/training


    Attendees must agree to counsel clients at 1 tax sale brief advance clinic within one year of the training.


    This training is being sponsored by the Maryland Consumer Rights Coalition and being taught by Maryland Volunteer Lawyers Service and Pro Bono Resource Center of Maryland. 

    • 10 Feb 2016
    • 2:00 PM - 3:30 PM
    • 100 South Potomac Street Hagerstown, MD 21740

    This class is being provided through the partnership of Reach of Washington County, Washington County Free Library and the Maryland CASH Campaign.


    By the end of this class, you will:

    • Know more about consumer scams
    • Learn how to protect yourself from identity theft
    • Learn smart consumer purchasing decisions

    Registration for this even is requested for this event. You can register here on CASH Academy or by calling Kelli Tencer at Reach at (301) 733-237, ext. 107

    • 10 Feb 2016
    • 6:00 PM - 7:30 PM
    • 100 South Potomac Street Hagerstown, MD 21740

    This class is being provided through the partnership of Reach of Washington County, Washington County Free Library and the Maryland CASH Campaign.


    By the end of this class, you will:

    • Know more about consumer scams
    • Learn how to protect yourself from identity theft
    • Learn smart consumer purchasing decisions

    Registration for this even is requested for this event. You can register here on CASH Academy or by calling Kelli Tencer at Reach at (301) 733-237, ext. 107

    • 10 Feb 2016
    • 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. 

    • 16 Feb 2016
    • 7:00 PM - 8:30 PM
    • Calvary United Methodist Church, 131 West Second Street, Frederick, Maryland 21701
    • 25

    Check up on the state of your finances with this workshop and learn how to change them if they aren't working for you!


    This class is provided by the Interfaith Housing Alliance, Inc. and is funded by the Rotary Club of Carroll Creek & The Woman's Giving Circle.

    • 17 Feb 2016
    • 1:00 PM - 4:00 PM
    • Prince George's County Circuit Court RM #M0 421 14735 Main St. Upper Marlboro, MD. 20772

    Attention Housing Counselors! This event is an overview of the Tax Sale and Tax Foreclosure in Maryland. Resources will be available for clients facing tax sale. Resources will also be available for housing counselors assisting a client facing tax sale.


    This training is open to Housing Counselors as well as pro bono attorneys


    To register please visit: www.probonomd.org/training


    Attendees must agree to counsel clients at 1 tax sale brief advance clinic within one year of the training.


    This training is being sponsored by the Maryland Consumer Rights Coalition and being taught by Maryland Volunteer Lawyers Service and Pro Bono Resource Center of Maryland. 

    • 18 Feb 2016
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Germantown Campus 20200 Observation Drive Germantown, MD 20876
    • 25
    Description: This interactive workshop will leave participants understanding:

    • How to choose where to have your taxes prepared
    • What documents to gather in order to get your taxes done
    • The impact of home loan modifications may have on your taxes
    • Tax Credits to be sure to ask about

    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.


    • 18 Feb 2016
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Rockville Campus, 51 Mannakee Street, Rockville, MD 20850, CC 015
    • 25
    Description: This interactive workshop will leave participants understanding:

    • How to choose where to have your taxes prepared
    • What documents to gather in order to get your taxes done
    • The impact of home loan modifications may have on your taxes
    • Tax Credits to be sure to ask about

    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.


    • 18 Feb 2016
    • 7:00 PM - 8:30 PM
    • Glenwood Branch Library, 2350 State Route 97, Cooksville, MD 21723
    • 23

    Description:


    Minimize your taxes and maximize your refund by understanding the deductions and credits for which you are eligible, including the Earned Income Tax Credit (EITC). The effects of the Affordable Care ACT (ACA) will also be covered. This lively workshop is taught by Roy Yenoli of MakingChange

    • 20 Feb 2016
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 18
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 23 Feb 2016
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Free Library 400 Cathedral Street Baltimore, MD 21201
    • 13

    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, briana@baltimorecash.org

    • 23 Feb 2016
    • 7:00 PM - 8:30 PM
    • Calvary United Methodist Church, 131 West Second Street, Frederick, Maryland 21701
    • 25

    Learn how to talk about your finances in a meaningful effective way.


    This class is provided by the Interfaith Housing Alliance, Inc. and is funded by the Rotary Club of Carroll Creek & The Woman's Giving Circle.
    • 01 Mar 2016
    • 7:00 PM - 8:30 PM
    • Calvary United Methodist Church, 131 West Second Street, Frederick, Maryland 21701
    • 25

    Learn ways to make amazing meals for you and your family but stay within your family budget!


    This class is provided by the Interfaith Housing Alliance, Inc. and is funded by the Rotary Club of Carroll Creek & The Woman's Giving Circle.
    • 02 Mar 2016
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 24
    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.

    Participants will learn:
    -All about credit scores
    -How to get a credit report
    -How to rebuild credit
    -How to choose loan products
    -Ways to avoid predatory loans, as well as
    -How to manage debt.

    A Spanish translator will be available during this presentation.

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

    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 2016
    • 7:00 PM - 8:30 PM
    • George Howard Building 3430 Courthouse Dr, Ellicott City, MD 21043

    To commemorate National Consumer Week, the Howard County Office of Consumer Affairs and the Consumer Advisory Board present Know Before You Owe the Student Loan Forum and Resource Fair.


    A panel of local, state and federal experts will answer questions about the student loan process, provide vital resource materials and offer one-on-one guidance. 


    • Are you preparing for college and need answers about the student loan process?

    • Do you know how to evaluate various kinds of loans and repayment obligations?

    • Do you understand how student loans can affect your ability to get future credit?

    • Do you need help managing student loans you already have?

    Additional information and registration for this FREE event will be posted early February at www.howardcountymd.gov/studentloanforum


    • 08 Mar 2016
    • 7:00 PM - 8:30 PM
    • Calvary United Methodist Church, 131 West Second Street, Frederick, Maryland 21701
    • 25

    Learn the best ways to live a healthy lifestyle and build your way towards wealth!


    This class is provided by the Interfaith Housing Alliance, Inc. and is funded by the Rotary Club of Carroll Creek & The Woman's Giving Circle.
    • 19 Mar 2016
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 29 Mar 2016
    • 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, briana@baltimorecash.org

    • 29 Mar 2016
    • 6:30 PM - 8:00 PM
    • Randallstown Branch of the Balt. Co. Public Library, 8604 Liberty Rd, Randallstown, MD 21133
    • 24

    Description:


    Minimize your taxes and maximize your refund by understanding the deductions and credits for which you are eligible, including the Earned Income Tax Credit (EITC). The effects of the Affordable Care ACT (ACA) will also be covered. This lively workshop is taught by Roy Yenoli of MakingChange

    • 06 Apr 2016
    • 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 make smart consumer choices, whether buying at thrift stores, shopping for a car, household items,  groceries or saving money, and
    -How to avoid common consumer scams such as ID
    Theft, Work at Home scams, Credit Repair scams and more.

    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.

    • 16 Apr 2016
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 19 Apr 2016
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Free Library 400 Cathedral Street Baltimore, MD 21201
    • 19

    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, briana@baltimorecash.org

    • 21 May 2016
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 24 May 2016
    • 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, briana@baltimorecash.org

    • 18 Jun 2016
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 21 Jun 2016
    • 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, briana@baltimorecash.org

    • 19 Jul 2016
    • 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, briana@baltimorecash.org

    • 23 Aug 2016
    • 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, briana@baltimorecash.org

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