BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Arundel Community Development Services, Inc. - ECPv6.15.20//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Arundel Community Development Services, Inc.
X-ORIGINAL-URL:https://acdsinc.org
X-WR-CALDESC:Events for Arundel Community Development Services, Inc.
REFRESH-INTERVAL;VALUE=DURATION:PT1H
X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20160313T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20161106T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20170312T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20171105T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20180311T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20181104T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20190310T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20191103T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20200308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20201101T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20210314T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20211107T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20220313T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20221106T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20230312T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20231105T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20240310T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20241103T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20250309T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20251102T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20260308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20261101T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20270314T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20271107T060000
END:STANDARD
END:VTIMEZONE
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260122T133000
DTEND;TZID=America/New_York:20260122T150000
DTSTAMP:20260421T085328
CREATED:20251203T155739Z
LAST-MODIFIED:20251203T155739Z
UID:10003321-1769088600-1769094000@acdsinc.org
SUMMARY:Plan for the Future: Will and Estate Planning Info Session
DESCRIPTION:To register for the FREE event and receive the Zoom link\, email ldeluca@acdsinc.org.
URL:https://acdsinc.org/event/plan-for-the-future-will-and-estate-planning-info-session/
LOCATION:Zoom Call
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20251202T133000
DTEND;TZID=America/New_York:20251202T143000
DTSTAMP:20260421T085328
CREATED:20251104T161507Z
LAST-MODIFIED:20251104T161519Z
UID:10003320-1764682200-1764685800@acdsinc.org
SUMMARY:Tenants' Rights Training Seminar - in person or virtual
DESCRIPTION:
URL:https://acdsinc.org/event/tenants-rights-training-seminar-in-person-or-virtual/
LOCATION:Arundel Community Development Services\, Inc.\, 2666 Riva Road\, Suite 210\, Annapolis\, MD\, 21401\, United States
GEO:38.9746862;-76.5612782
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Arundel Community Development Services Inc. 2666 Riva Road Suite 210 Annapolis MD 21401 United States;X-APPLE-RADIUS=500;X-TITLE=2666 Riva Road\, Suite 210:geo:-76.5612782,38.9746862
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250714T173000
DTEND;TZID=America/New_York:20250714T193000
DTSTAMP:20260421T085328
CREATED:20250603T145202Z
LAST-MODIFIED:20250603T145202Z
UID:10003297-1752514200-1752521400@acdsinc.org
SUMMARY:CRRC Meeting
DESCRIPTION:Agenda and virtual meeting link can be found here: \nCommunity Reinvestment and Repair Commission Grants
URL:https://acdsinc.org/event/crrc-meeting-2/
LOCATION:Independence Conference Room\, 2664 Riva Road\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Conference Room 2664 Riva Road Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Road:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250609T173000
DTEND;TZID=America/New_York:20250609T193000
DTSTAMP:20260421T085328
CREATED:20250603T145043Z
LAST-MODIFIED:20250603T145043Z
UID:10003296-1749490200-1749497400@acdsinc.org
SUMMARY:CRRC Meeting
DESCRIPTION:Agendas and virtual meeting links can be found here: \nCommunity Reinvestment and Repair Commission Grants \n 
URL:https://acdsinc.org/event/crrc-meeting/
LOCATION:Independence Conference Room\, 2664 Riva Road\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Conference Room 2664 Riva Road Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Road:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250227T173000
DTEND;TZID=America/New_York:20250227T190000
DTSTAMP:20260421T085328
CREATED:20240918T154903Z
LAST-MODIFIED:20250218T192031Z
UID:10003243-1740677400-1740682800@acdsinc.org
SUMMARY:Public Hearing: 5-Year ConPlan & FY2026 Budget Process
DESCRIPTION:This public hearing will solicit feedback from the public on the final Consolidated Plan goals and strategies\, as well as on the Local Fiscal Year 2026 budget priorities. Please click here for Zoom Link. \nPlease RSVP to Elisha Harig-Blaine at eharig-blaine@acdsinc.org.
URL:https://acdsinc.org/event/public-hearing-5-year-conplan-fy2026-budget-process-3/
LOCATION:Independence Conference Room\, 2664 Riva Road\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Conference Room 2664 Riva Road Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Road:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250109T163000
DTEND;TZID=America/New_York:20250109T183000
DTSTAMP:20260421T085328
CREATED:20240918T154702Z
LAST-MODIFIED:20250109T181410Z
UID:10003242-1736440200-1736447400@acdsinc.org
SUMMARY:Public Hearing: 5-Year ConPlan & FY2026 Budget Process
DESCRIPTION:At this hearing\, ACDS will present on housing and community development needs\, general demographic trends\, and a summary of focus group findings. Additionally\, ACDS will review and discuss the proposed geographic priorities\, guiding principles\, as well as the proposed goals and strategies.  The public will be given an opportunity to prioritize needs\, review and discuss the proposed goals and strategies\, geographic priorities\, guiding principles\, and provide feedback on recommended changes.  \nIf you would like to join this meeting virtually\, please use this link: https://us02web.zoom.us/j/81258946571 \nRSVP to Elisha Harig-Blaine at eharig-blaine@acdsinc.org
URL:https://acdsinc.org/event/public-hearing-5-year-conplan-fy2026-budget-process-2/
LOCATION:Independence Conference Room\, 2664 Riva Road\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Conference Room 2664 Riva Road Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Road:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20250108
DTEND;VALUE=DATE:20250109
DTSTAMP:20260421T085328
CREATED:20240918T160454Z
LAST-MODIFIED:20240918T160745Z
UID:10003247-1736294400-1736380799@acdsinc.org
SUMMARY:Grant Application Opens: Community Support Grants
DESCRIPTION:Grants for nonprofit organizations to increase their impact and operate more efficiently and effectively to improve and enrich the lives of Anne Arundel County residents and communities. \nApplication Training: Friday\, January 10\, 2025 at 2:00pm\nPlease email Elisha Harig-Blaine at eharig-blaine@acdsinc.org to RSVP and receive a Zoom link. \nApplication Deadline: Friday\, February 21\, 2025
URL:https://acdsinc.org/event/grant-application-opens-community-support-grants/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241120
DTEND;VALUE=DATE:20241121
DTSTAMP:20260421T085328
CREATED:20240918T160223Z
LAST-MODIFIED:20240918T160827Z
UID:10003246-1732060800-1732147199@acdsinc.org
SUMMARY:Grant Application Opens: Laurel Race Course Impact Grants
DESCRIPTION:Grants for nonprofit and community organizations to provide services and facilities that benefit communities within three miles of Laurel Race Course. Grants awards range from $10\,000-$50\,000. \nApplication Training: Friday\, November 22\, 2024 at 2:00pm\nPlease email Elisha Harig-Blaine at eharig-blaine@acdsinc.org to RSVP and receive a Zoom link. \nApplication Deadline: Wednesday\, January 8\, 2025
URL:https://acdsinc.org/event/grant-application-opens-laurel-race-course-impact-grants/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20241024T173000
DTEND;TZID=America/New_York:20241024T190000
DTSTAMP:20260421T085328
CREATED:20240918T154440Z
LAST-MODIFIED:20240918T154947Z
UID:10003241-1729791000-1729796400@acdsinc.org
SUMMARY:Public Hearing: 5-Year ConPlan & FY2026 Budget Process
DESCRIPTION:ACDS will present the public with a report on the accomplishments for Local Fiscal Year 2024\, kick off the Local Fiscal Year 2026 Budget Process\, and discuss and gather stakeholder input  on affordable and fair housing and community development needs for the Consolidated Plan. \nPlease RSVP to Elisha Harig-Blaine at eharig-blaine@acdsinc.org.
URL:https://acdsinc.org/event/public-hearing-5-year-conplan-fy2026-budget-process/
LOCATION:Independence Conference Room\, 2664 Riva Road\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Conference Room 2664 Riva Road Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Road:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241023
DTEND;VALUE=DATE:20241024
DTSTAMP:20260421T085328
CREATED:20240918T155915Z
LAST-MODIFIED:20240918T160916Z
UID:10003245-1729641600-1729727999@acdsinc.org
SUMMARY:Grant Application Opens: Video Lottery Terminal Grants (LDC)
DESCRIPTION:Grants for nonprofit and community organizations serving the communities and residents within a three-mile radius of Live! Casino at Arundel Mills (also known as “Local Development Council Grants”). \nApplication Training: Monday\, October 28\, 2024 at 2:00pm\nPlease e-mail Elisha Harig-Blaine at eharig-blaine@acdsinc.org to RSVP and receive a Zoom link) \nApplication Deadline: Wednesday\, December 4\, 2024
URL:https://acdsinc.org/event/grant-application-opens-video-lottery-terminal-grants-ldc/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20241011T150000
DTEND;TZID=America/New_York:20241011T160000
DTSTAMP:20260421T085328
CREATED:20241004T184323Z
LAST-MODIFIED:20241004T185604Z
UID:10003248-1728658800-1728662400@acdsinc.org
SUMMARY:Open House - Townhome Rental Now Available!
DESCRIPTION:Townhouse available for immediate rent! \nJoin us for an Open House on Friday\, October 11th from 3:00-4:00pm \n 
URL:https://acdsinc.org/event/open-house-townhome-rental-now-available/
LOCATION:4908 Brookwood Road\, Baltimore\, MD\, Brookwood Road\, Baltimore\, Maryland\, 21225\, United States
GEO:39.2253871;-76.6092176
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=4908 Brookwood Road Baltimore MD Brookwood Road Baltimore Maryland 21225 United States;X-APPLE-RADIUS=500;X-TITLE=Brookwood Road:geo:-76.6092176,39.2253871
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241003
DTEND;VALUE=DATE:20241004
DTSTAMP:20260421T085328
CREATED:20240918T161030Z
LAST-MODIFIED:20240918T161030Z
UID:10003244-1727913600-1727999999@acdsinc.org
SUMMARY:Grant Application Opens: Public Service/Capital Grants
DESCRIPTION:Federal grants for nonprofit organizations serving low/moderate income residents of Anne Arundel County who can meet the federal requirements. \nApplication Training: Monday\, October 7\, 2024 at 2:00pm\nPlease e-mail Elisha Harig-Blaine at eharig-blaine@acdsinc.org to RSVP and receive a Zoom link. \nApplication Deadline: Friday\, November 15\, 2024
URL:https://acdsinc.org/event/grant-application-opens-public-service-capital-grants/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20230223T173000
DTEND;TZID=America/New_York:20230223T183000
DTSTAMP:20260421T085328
CREATED:20221031T131835Z
LAST-MODIFIED:20221031T131835Z
UID:10002827-1677173400-1677177000@acdsinc.org
SUMMARY:2nd Public Hearing - FY 2024 Housing and Community Development Budget
DESCRIPTION:A second public hearing on the FY 2024 Housing and Community Development Budget process will be held on February 23\, 2023 at 5:30 p.m. to respond to ACDS staff recommendations for projects and activities to be funded with the FY 2024 budget.  Residents and interested organizations will be invited to speak for up two minutes and provide input on the budget process.  Please RSVP to Ms. Tracey Mullery at tmullery@acdsinc.org. \nIf you wish to attend and require a special accommodation (e.g. interpreter for deaf and hard of hearing or critical documents translated for persons with limited English proficiency) please contact tmullery@acdsinc.org. no later than seven business days prior to the public meeting.
URL:https://acdsinc.org/event/public-hearing-fy-2023-housing-and-community-development-budget-2/
LOCATION:Independence Room\, 2664 Riva Rd\, Suite 170\, Annapolis\, Maryland\, 21401
GEO:38.975029;-76.561776
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Independence Room 2664 Riva Rd Suite 170 Annapolis Maryland 21401;X-APPLE-RADIUS=500;X-TITLE=2664 Riva Rd\, Suite 170:geo:-76.561776,38.975029
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20220224T170000
DTEND;TZID=America/New_York:20220224T183000
DTSTAMP:20260421T085328
CREATED:20220127T153340Z
LAST-MODIFIED:20220127T153340Z
UID:10003017-1645722000-1645727400@acdsinc.org
SUMMARY:Public Hearing - FY 2023 Housing and Community Development Budget
DESCRIPTION:A second virtual public hearing on the FY 2023 Housing and Community Development Budget process will be held on February 24\, 2022 at 5:00 p.m. to respond to ACDS staff recommendations for projects and activities to be funded with the FY 2023 budget.  Residents and interested organizations will be invited to speak for up two minutes and provide input on the budget process.  Please RSVP to Ms. Adriana Ramirez at aramirez@acdsinc.org. \nIf you wish to attend and require a special accommodation (e.g. interpreter for deaf and hard of hearing or critical documents translated for persons with limited English proficiency) please contact aramirez@acdsinc.org no later than seven business days prior to the public meeting.
URL:https://acdsinc.org/event/public-hearing-fy-2023-housing-and-community-development-budget/
LOCATION:Zoom Call
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20211005T100000
DTEND;TZID=America/New_York:20211005T113000
DTSTAMP:20260421T085328
CREATED:20211001T155533Z
LAST-MODIFIED:20211001T170150Z
UID:10003010-1633428000-1633433400@acdsinc.org
SUMMARY:Lender/Realtor Day
DESCRIPTION:Click here for Lender/Realtor Day Flyer \nAre ACDS programs new to you? Do\nyou need ideas to help your first time\nhomebuyers purchase a home in Anne\nArundel County? Then join us for an\ninformational session to learn about our\nHomeownership Counseling and\nMortgage Assistance Programs!\nThis session will help Lenders and\nRealtors understand the guidelines of\nour programs so you can refer your\nclients to us. \nACDS is a HUD certified housing\ncounseling agency looking to help you\nand your clients! \nLender/Realtor Day\nTo register\, please email\nLinda DeLuca at\nldeluca@acdsinc.org\nDeadline to register is Friday\, Oct 1\, 2021
URL:https://acdsinc.org/event/lender-realtor-day/
LOCATION:Zoom Call
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201029T170000
DTEND;TZID=America/New_York:20201029T183000
DTSTAMP:20260421T085328
CREATED:20190625T173957Z
LAST-MODIFIED:20201002T131934Z
UID:10002955-1603990800-1603996200@acdsinc.org
SUMMARY:1st Public Hearing: County Housing and Community Development Budget Process
DESCRIPTION:This meeting is VIRTUAL: Please RSVP to asmith@acdsinc.org for meeting information. \nArundel Community Development Services\, Inc. (ACDS)\, under contract with Anne Arundel County\, will hold a virtual public hearing to provide residents with information on the Community Development Block Grant (CDBG)\, HOME Investment Partnerships (HOME)\, Emergency Solutions Grant (ESG)\, and Housing Opportunities for Persons with AIDS (HOPWA) Programs and to solicit recommendations for the use of these funds for Local Fiscal Year 2022\, which begins July 1\, 2021.  The budget applications for this process can be found HERE. \nThe hearing will also provide residents with information on FY 2020 accomplishments. \nThe Public will have an opportunity to comment and share information on the housing and community development needs they are seeing in their communities\, including the needs resulting from COVID-19 and make suggestions for the use of CDBG-CV-III and ESG-CV-II to address those needs. This will be a virtual meeting\, please RSVP to asmith@acdsinc.org and you will receive the login information.   \nIf you wish to attend and require a special accommodation (e.g. interpreter for deaf and hard of hearing or an interpreter for persons with limited English proficiency) please contact ekarpewicz@acdsinc.org no later than seven business days prior to the public meeting. \n  \n  \n  \n 
URL:https://acdsinc.org/event/1st-public-hearing-county-housing-and-community-development-budget-process/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20190629T150000
DTEND;TZID=America/New_York:20190629T160000
DTSTAMP:20260421T085328
CREATED:20190625T145654Z
LAST-MODIFIED:20190625T145654Z
UID:10002954-1561820400-1561824000@acdsinc.org
SUMMARY:Rental Open House (8219 Kilmory Court)
DESCRIPTION:ACDS will be hosting an open house for perspective tenants to view this available rental property\, pick up an application and speak with the property manager. \nFor more information on this rental home\, please click here.
URL:https://acdsinc.org/event/rental-open-house-8219-kilmory-court-3/
LOCATION:8219 Kilmory Court\, 8219 Kilmory Court\, Severn\, MD\, 21144\, United States
GEO:39.116953;-76.71129
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=8219 Kilmory Court 8219 Kilmory Court Severn MD 21144 United States;X-APPLE-RADIUS=500;X-TITLE=8219 Kilmory Court:geo:-76.71129,39.116953
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20170928T180000
DTEND;TZID=America/New_York:20170928T193000
DTSTAMP:20260421T085328
CREATED:20170905T192740Z
LAST-MODIFIED:20170918T202138Z
UID:10002576-1506621600-1506627000@acdsinc.org
SUMMARY:Budget & Money Management Workshop
DESCRIPTION:Learn how to take control of your finances \nWhere does all of my money go? Is your paycheck gone at the end of the week or month\, but you cannot figure out where it went — this workshop is for you! \nThis workshop covers a comprehensive approach to identifying what income you have and how much you need in order to cover your monthly expenses.  It will focus on identifying the difference between wants and needs\, tracking your expenses\, and preventing the creation of a budget that is not realistic and does not work.  Identify your money personality and what triggers your spending and savings habits.  Identify methods to track your spending and modify those habits that break your budget. \nParticipate in budgeting exercises which will give you tips and guidance on creating a budget and meeting your short and long term goals. Learn the importance of on-time payments\, debt reduction\, and living within your means. \nRSVP Below \nPizza/Light Refreshments Included \n  \nInstructor:   Steven Ames\, Financial Educational Foundation of Anne Arundel County (FEF) \nSteven Ames is the current Chair of the Financial Educational Foundation of Anne Arundel County (FEF)\, which provides pro bono financial education. He is the former principal of Ames Fee-Only Financial Planning\, where he held the Certified Financial Planner (CFP) designation. A graduate of the University of Maryland\, he also holds a Masters Degree from American University and a Masters in Financial Planning from the College For Financial Planning. A financial advisor for over 25 years\, he has extensive experience in many areas of financial planning. \nThis is one of six different Financial Empowerment Workshops offered by ACDS this fall.  Check out our calendar for more workshops!
URL:https://acdsinc.org/event/budget-and-money-management-workshop/
END:VEVENT
END:VCALENDAR