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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. Please contact us at info@mdcash.org if you need special accommodations to attend one of our classes. 

Upcoming events

    • 21 Sep 2017
    • 4:00 PM - 7:00 PM
    • 629 N.Market St., Frederick, MD

    This is a three-part event that includes:


    A. 4pm-5pm Credit Counseling

    -Appointment with Credit Advisors to review your credit score and report.


    B. 5pm-6pm 

    - "Repair your Credit"  workshop


    C. 6pm-7pm 

    -Additional appointments with Credit Advisors


    You Must Have An Appointment to Attend

    To register for the Credit Cafe:


    1. Call 301-662-4225 ext. 1211 and ask for Mary Ellen Mitchell or ext 1209 and ask for Carol.


    Sponsors: 

    Interfaith Housing Alliance

    United Way

    Housing Authority


    • 22 Sep 2017
    • 11:00 AM - 12:00 PM
    • Elgin Station Community Center 40 Elgin Blvd., Hagerstown, MD, 21740, United States

    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:

    • Understand your different options for preparing taxes
    • Know how to choose the best way to prep for tax time for yourself

    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

    • 26 Sep 2017
    • 9:30 AM
    • 640 E. Diamond Ave., Suite C Gaithersburg, MD 20877


    RSVP to 240-805-1826


    • 26 Sep 2017
    • 9:30 AM
    • 35 N. Summit Ave. Gaithersburg, MD 20877

    o    Together we will look at some of the unique financial challenges women often face, and then some of the steps women can take to take charge of their financial future.



    RSVP to 240-805-1826


    • 26 Sep 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. 


    • 27 Sep 2017
    • 11:00 AM - 12:00 PM
    • Elgin Station Community Center 40 Elgin Blvd., Hagerstown, MD, 21740, United States

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


    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.


    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

    • 27 Sep 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. 

    • 28 Sep 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. 

    • 30 Sep 2017
    • 10:00 AM - 3:00 PM
    • North Carroll Library Branch 2255 Hanover Pike, Hampstead, MD

    Financial Fun for the Whole Family!!


    BB&T Banking Bus

    FREE Document Shredding

    FREE FOOD

    Ravens' mascot "POE"

    Scavenger Hunt

    Financial Simulation

    Financial Education

    Services

    TONS of fun for the

    whole family!

    Carroll CA$H Day Flyer.09.30.17.pdf

    • 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. 


    • 03 Oct 2017
    • 10:00 AM - 11:00 AM
    • Webinar
    • 99



    • 03 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1710 Meade Village Circle Road, Severn MD 21444
    • 17

    Thinking of buying a new or used car? Looking for advice about how and where to finance the car? Wondering if you've chosen the right mechanic and what you need to do to keep your car safe and working well? Come learn all the secrets to buying and financing a car, choosing a repair shop, and keeping your car running right.


    The class will be taught by two veteran auto safety and auto fraud experts with long experience at Montgomery County's Office of Consumer Affairs. They'll share their expertise and answer YOUR questions about what you need to know to get a good deal on your next car. They'll also offer good advice on how to understand car loans and finance your car without falling into a debt trap.


    • 03 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1 Wells Ave. Gaithersburg, MD 20877

    Learn how to be fit in every way, including financially with this great workshop from Bank On Gaithersburg and the Financial Wellness Coalition.


    Please RSVP at (240) 805-1826

    • 03 Oct 2017
    • 6:00 PM - 7:00 PM
    • Washington County Free Library Room #309, 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:

    • Understand how to choose a bank or credit union

    • Know how to manage your accounts

    • Learn the difference between debit cards, credit cards and re-loadable debit cards

    • Understand interest and accounts that help build savings


    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

    • 06 Oct 2017
    • 10:00 AM - 11:00 AM
    • 640 E. Diamond Ave., Suite C Gaithersburg, MD 20877

    Learn about how to manage your money with a spending plan in this great workshop from Bank On Gaithersburg and the Financial Wellness Coalition.


    Please RSVP at (240) 805-1826

    • 07 Oct 2017
    • 11:00 AM - 2:00 PM
    • 629 N Market St. Frederick MD, 21701

    Are you interested in becoming a volunteer Financial Coach? Check out this training to learn the ins and outs of financial coaching and how you can help make a difference in people's financial lives. 


    To register please go here!


    This is not a certification.

    • 10 Oct 2017
    • 10:00 AM - 11:00 AM
    • Webinar
    • 99


    • 10 Oct 2017
    • 6:00 PM - 7:00 PM
    • Washington County Free Library Room #309, 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:

    • Explore your money values and habits
    • Learn how to create manageable financial goals
    • Create a Spending Plan which will set you on the path to meeting your goals!

    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

    • 11 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1 Wells Ave. Gaithersburg, MD 20877

    Learn how to manage your money with this great workshop from Bank On Gaithersburg and the Financial Wellness Coalition.


    Please RSVP at (240) 805-1826

    • 17 Oct 2017
    • 10:00 AM - 11:00 AM
    • Webinar
    • 99


    • 17 Oct 2017
    • 5:30 PM - 7:30 PM
    • Salisbury One Stop Job market


    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



    • 17 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1710 Meade Village Circle Road, Severn MD 21444
    • 20
    Come to this interactive seminar on homeowners, car, and other types of property insurance. Determine if you are properly insured!


    • 17 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1 Wells Ave. Gaithersburg, MD 20877

    Learn all there is to know about purchasing a home with this great workshop from Bank On Gaithersburg and the Financial Wellness Coalition.


    Please RSVP at (240) 805-1826

    • 17 Oct 2017
    • 6:00 PM - 7:00 PM
    • Washington County Free Library Room #309, 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 the difference between a credit report and score
    • Learn how to build credit

    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

    • 18 Oct 2017
    • 5:30 PM - 7:30 PM
    • Wicomico Public Library: Ocean Pines Branch, 11107 Cathell Rd, Berlin, MD 21811


    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



    • 21 Oct 2017
    • 12:00 PM - 5:00 PM
    • Frederick County Association of Realtors,478 Prospect Blvd, 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 Oct 2017
    • 10:00 AM - 11:00 AM
    • Webinar
    • 98


    • 24 Oct 2017
    • 6:00 PM - 7:00 PM
    • 1 Wells Ave. Gaithersburg, MD 20877

    Learn about protecting yourself from identity theft and how to be a smart consumer with this great workshop from Bank On Gaithersburg and the Financial Wellness Coalition.


    Please RSVP at (240) 805-1826

    • 24 Oct 2017
    • 6:00 PM - 7:00 PM
    • Washington County Free Library Room #309, 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:

    • Understand your different options for preparing taxes
    • Know how to choose the best way to prep for tax time for yourself

    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

    • 25 Oct 2017
    • 5:30 PM - 7:30 PM
    • Hurlock Community Center at the old train station 107 Gay St., Hurlock, MD. 2164


    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



    • 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. 


    • 31 Oct 2017
    • 10:00 AM - 11:00 AM
    • Webinar
    • 99

    Talking to clients about taxes can be difficult, especially if they have a “side hustle” or small business.  They may not know or understand the implications of generating this additional income. This webinar is designed to provide you with general information and resources to help keep your clients informed of the impact this can have on their taxes and their financial lives. 

    • 04 Nov 2017
    • 11:00 AM - 2:00 PM
    • 629 N Market St. Frederick MD, 21701

    Are you interested in becoming a volunteer Financial Coach? Check out this training to learn the ins and outs of financial coaching and how you can help make a difference in people's financial lives. 


    To register please go here!


    This is not a certification.

    • 07 Nov 2017
    • 6:00 PM - 7:00 PM
    • Washington County Free Library Room #334, 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.


    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.


    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

    • 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.


    • 16 Nov 2017
    • 4:00 PM - 7:00 PM
    • 629 N.Market St., Frederick, MD

    This is a three-part event that includes:


    A. 4pm-5pm Credit Counseling

    -Appointment with Credit Advisors to review your credit score and report.


    B. 5pm-6pm 

    - "Repair your Credit"  workshop


    C. 6pm-7pm 

    -Additional appointments with Credit Advisors


    You Must Have An Appointment to Attend

    To register for the Credit Cafe:


    1. Call 301-662-4225 ext. 1211 and ask for Mary Ellen Mitchell or ext 1209 and ask for Carol.


    Sponsors: 

    Interfaith Housing Alliance

    United Way

    Housing Authority


    • 18 Nov 2017
    • 12:00 PM - 5:00 PM
    • Frederick County Association of Realtors,478 Prospect Blvd, 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.



    • 02 Dec 2017
    • 11:00 AM - 2:00 PM
    • 629 N Market St. Frederick MD, 21701

    Are you interested in becoming a volunteer Financial Coach? Check out this training to learn the ins and outs of financial coaching and how you can help make a difference in people's financial lives. 


    To register please go here!


    This is not a certification.

    • 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. 

     


    • 16 Dec 2017
    • 12:00 PM - 5:00 PM
    • Frederick County Association of Realtors,478 Prospect Blvd, 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.



    • 18 Dec 2017
    • 6:00 PM - 8:00 PM
    • Habitat for Humanity Susquehanna, 205 S. Hays Street, Bel Air, MD 21014
    • 7

    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.


    • 18 Jan 2018
    • 4:00 PM - 7:00 PM
    • 629 N.Market St., Frederick, MD

    This is a three-part event that includes:


    A. 4pm-5pm Credit Counseling

    -Appointment with Credit Advisors to review your credit score and report.


    B. 5pm-6pm 

    - "Repair your Credit"  workshop


    C. 6pm-7pm 

    -Additional appointments with Credit Advisors


    You Must Have An Appointment to Attend

    To register for the Credit Cafe:


    1. Call 301-662-4225 ext. 1211 and ask for Mary Ellen Mitchell or ext 1209 and ask for Carol.


    Sponsors: 

    Interfaith Housing Alliance

    United Way

    Housing Authority


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