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DTSTART;TZID=America/New_York:20180424T180000
DTEND;TZID=America/New_York:20180424T200000
DTSTAMP:20260502T073859
CREATED:20180214T152909Z
LAST-MODIFIED:20180221T180210Z
UID:10002698-1524592800-1524600000@acdsinc.org
SUMMARY:Understanding your Credit
DESCRIPTION:What’s the big deal about credit scores? How do I get my credit score? What impact does my credit score have on my financial wellness? This informative session will provide an in-depth discussion on how to obtain your credit report\, how to read your credit report\, and how your credit report will be viewed by lenders\, credit card companies\, employers\, insurance providers\, and housing rental agencies. \n  \nLearn how information is transmitted to the three credit bureaus\, the importance of accurate  information and what actions are necessary to dispute and correct inaccurate information. Listen to valuable tips about precautions and preventative actions against identity theft and fraud. \n  \nYour credit report tells your story; learn how to control that story. \n  \nInstructor:   Kylie Delgado\, Guidewell Financial Solutions \nKylie Delgado with Guidewell Financial Solutions has over 10 years of experience in the financial education field. Kylie is a graduate of Towson University and has a Masters Degree in Management from Notre Dome of Maryland University. \n  \n 
URL:https://acdsinc.org/event/understanding-your-credit/
LOCATION:AA County Department of Aging & Disabilities North County Location\, 7320 Ritchie Highway\, Glen Burnie\, MD\, 21061\, United States
ORGANIZER;CN="Arundel Community Development Services%2C Inc.":MAILTO:info@acdsinc.org
GEO:39.1702702;-76.6210088
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DTSTART;TZID=America/New_York:20180329T180000
DTEND;TZID=America/New_York:20180329T200000
DTSTAMP:20260502T073859
CREATED:20180214T152215Z
LAST-MODIFIED:20180417T161525Z
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SUMMARY:Insurance 101
DESCRIPTION:Are you shopping around for insurance but you are not sure where to start? Or are you working with an insurance agency that refuses to cover your claims? \n  \nLearn how to financially protect yourself from illnesses or accidents that could affect your   property and income. Insurance is a vital necessity in your everyday life. It is important to know your rights as a consumer and get the answers for which you are looking. \n  \nThis workshop will give you an unbiased opinion about how insurance works in Maryland. The basics of insurance and how to avoid scams will be discussed. Find out about techniques that will guide you in shopping for different policies\, rates\, and companies. Learn about the  different insurances available and what will work best for you. \n  \nAt this workshop\, you will learn how to look out for fraud and companies that cannot ensure solvencies. \nInstructor: TBD\, Maryland Insurance Administration \n 
URL:https://acdsinc.org/event/insurance-101/
LOCATION:AA County Department of Aging & Disabilities North County Location\, 7320 Ritchie Highway\, Glen Burnie\, MD\, 21061\, United States
ORGANIZER;CN="Arundel Community Development Services%2C Inc.":MAILTO:info@acdsinc.org
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DTSTART;TZID=America/New_York:20180327T180000
DTEND;TZID=America/New_York:20180327T200000
DTSTAMP:20260502T073859
CREATED:20180214T151225Z
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UID:10002694-1522173600-1522180800@acdsinc.org
SUMMARY:Debt Management & Budgeting
DESCRIPTION:Where 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? Then this workshop is for you! \n  \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. \n  \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. \n  \nInstructor:   Kylie Delgado\, Guidewell Financial Solutions \nKylie Delgado with Guidewell Financial Solutions has over 10 years of experience in the financial education field. Kylie is a graduate of Towson University and has a Masters Degree in Management from Notre Dome of Maryland University. \n 
URL:https://acdsinc.org/event/debt-management-budgeting/
LOCATION:AA County Department of Aging & Disabilities North County Location\, 7320 Ritchie Highway\, Glen Burnie\, MD\, 21061\, United States
ORGANIZER;CN="Arundel Community Development Services%2C Inc.":MAILTO:info@acdsinc.org
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