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DTSTART;TZID=America/New_York:20171130T180000
DTEND;TZID=America/New_York:20171130T193000
DTSTAMP:20260613T182430
CREATED:20170905T193809Z
LAST-MODIFIED:20171128T181247Z
UID:10002580-1512064800-1512070200@acdsinc.org
SUMMARY:Should I Rent or Buy? Free Workshop
DESCRIPTION:Which is right for you? \nExplore the pros and cons of owning a home through participation in this workshop. Gain an in-depth understanding of the responsibilities associated with homeownership verses renting. \nThis workshop will provide an overview and discussion of the initial and ongoing expenses associated with either choice\, assessment of personal needs and wants and how that might affect your decision to buy or rent. \nIn addition\, the workshop will give you a detailed overview on when homeownership is a better value than renting and when it is not.  You will receive guidance on how to assess your financial readiness and the future impact of financial responsibility associated with homeownership as it relates to your financial well being.  You will also be given an overview of educational and financial resources available to assist in your decision to buy or rent. \n  \nRSVP BELOW \nPizza/Light Refreshments Included \nInstructors:   Aida R. Awawda and Shawn McGeth\, Arundel Community Development Services\, Inc.  \n Aida Awawda\, Housing Financial Advisor\, Arundel Community Development Services\, Inc.  brings over 20 years of experience in the housing and mortgage industry.  She is a Certified Housing Counselor\, responsible for    providing detailed\, one-on-one financial counseling as well as group seminars for ACDS programs\, including Homeownership Counseling\, Foreclosure Prevention\, Financial Empowerment\, Mortgage Assistance\, and       Property Rehabilitation. \nShawn McGeth\, Housing Financial Advisor\, Arundel Community Development Services\, Inc. brings over 15 years of experience in the housing industry. She is a Certified Housing Counselor in Homeownership and Foreclosure    Prevention and is responsible for providing detailed\, one-on-one financial counseling as well as group seminars for ACDS programs\, including Homeownership Counseling\, Foreclosure Prevention\, Financial Empowerment\, Mortgage Assistance\, and Property Rehabilitation. \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/should-i-rent-or-buy/
LOCATION:7320 Ritchie Highway\, Glen Burnie\, MD 21061\, 7320 Ritchie Highway\,\, Glen Burnie\, MD\, 21061\, United States
GEO:39.1702594;-76.6209984
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DTSTART;TZID=America/New_York:20171128T180000
DTEND;TZID=America/New_York:20171128T193000
DTSTAMP:20260613T182430
CREATED:20170905T193558Z
LAST-MODIFIED:20170918T203043Z
UID:10002579-1511892000-1511897400@acdsinc.org
SUMMARY:Financial Aid for Education Workshop
DESCRIPTION:Making education affordable \nIs it time to further your education? Do you wonder where you are going to get the money? Are you  confused about the financial products that are available to you? \nThis workshop will help you successfully navigate the various sources of educational funding that could help you pursue your educational goals\, as well as differentiate these resources from predatory for   profit schools and financial aid packages that could put you in unnecessary debt. \nAttend this workshop to gain insight into the process of identifying scholarships\, grants\, and loans  available and how to apply for these resources.  This workshop will also provide an in-depth discussion of the immediate and future impact educational loans will have on your financial well being. \nLearn how to assess interest rates\, terms and conditions of potential financial resources and the effect those conditions will have on your budget. \n  \nRSVP BELOW \nPizza/Light Refreshments Included \nInstructor:  Jen Diamond\, Maryland Consumer Rights Coalition \nJen Diamond is the Communications and Program Associate at the Maryland Consumer Rights Coalition. Her work at MCRC is primarily focused on issues around for-profit schools in Maryland. Jen has lobbied in the Maryland state legislature to protect consumers from predatory payday loans\, fraudulent for-profit schools\, unfair debt collection practices\, and more.  She helped design and execute MCRC’s “Know Before You Enroll”   campaign to help students avoid high-cost\, low-yield colleges and career programs. Jen holds a bachelor’s degree from the Johns Hopkins University and is a proud graduate of the Public Allies Maryland program. \nInstructor:  Dr. Emma Torres\, Financial Aid Specialist  \nEmma Torres\, MBA\, Ed.D is a Financial Aid Specialist at Anne Arundel Community College. She has served and presented in many roles within financial aid such as; FAFSA Completion Nights\, Ways to Pay for College Workshops\, MPT Call Center Representative\, New Student Orientations\, and You Can Afford College Workshops just to name a few. Dr. Torres’s goal is to help students and parents understand the financial aid process and to expose them to opportunities that will help students received funds to pay for their college education. \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/financial-aid-education-free-workshop/
LOCATION:7320 Ritchie Highway\, Glen Burnie\, MD 21061\, 7320 Ritchie Highway\,\, Glen Burnie\, MD\, 21061\, United States
GEO:39.1702594;-76.6209984
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DTSTART;TZID=America/New_York:20171026T180000
DTEND;TZID=America/New_York:20171026T193000
DTSTAMP:20260613T182430
CREATED:20170905T193401Z
LAST-MODIFIED:20170918T202816Z
UID:10002578-1509040800-1509046200@acdsinc.org
SUMMARY:Banking 101 Workshop
DESCRIPTION:Understanding banking and the services provided to you through your local branch and/or online is an important aspect of your financial health. While local check cashing services and “payday lenders” may be fast and easy\, they could be harmful to your wallet. \nThis workshop will help you to understand the various products and services offered by most check cashing services\, banks\, credit unions and other financial institutions. This workshop will provide a in-depth discussion on the basic steps in establishing a checking and savings account\, as well as the importance of regular deposits and monthly reconciliation of accounts. \nThis workshop will give you an understanding of what banks offer\, such as debit cards\, lines of credit\, bank credit cards\, links between savings accounts and checking accounts\, and fees associated with these services. Receive a broad introduction to wealth management and trust services\, an overview of consumer and commercial loans\, and the difference between each loan type. \n  \nRSVP BELOW \nPizza/Light Refreshments Included \nInstructor: Angela Yerecic\, PNC Bank\, Severna Park Office \nThis is one of six different Financial Empowerment Workshops offered by ACDS this fall.  Check out our calendar for more workshops! \n 
URL:https://acdsinc.org/event/banking-101-worskhop/
LOCATION:7320 Ritchie Highway\, Glen Burnie\, MD 21061\, 7320 Ritchie Highway\,\, Glen Burnie\, MD\, 21061\, United States
GEO:39.1702594;-76.6209984
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20171024T180000
DTEND;TZID=America/New_York:20171024T193000
DTSTAMP:20260613T182430
CREATED:20170905T193109Z
LAST-MODIFIED:20170918T202445Z
UID:10002577-1508868000-1508873400@acdsinc.org
SUMMARY:Debt Management Workshop
DESCRIPTION:Learn how to get out from under debt \nDo you feel like you cannot get out from under a lot of credit card\, medical\, student\, etc. debt?  Not sure of what the terms mean and what your options are? \nJoin us for this workshop which will provide you with a basis for measuring debt load against available resources to determine and understand the meaning of appropriate debt load. Understand the industry standards when debt to income is being assessed. \nThis informative session will help you understand the difference between good debt and bad debt\, teach you the warning signs for excessive debt\, as well as when and why it is important to pay down obligations and how to deal with excessive debt. \nIdentify ways to find the cash within your budget to pay down debt and ease the impact of excessive debt and how to evaluate which professional can assist with excessive debt issues. \n  \nRSVP BELOW \nPizza/Light Refreshments Included \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. She has a Masters Degree in Management from Notre Dome of Maryland University. \n  \nThis is one of six different Financial Empowerment Workshops offered by ACDS this fall.  Check out our calendar for more workshops! \n 
URL:https://acdsinc.org/event/debt-management/
LOCATION:7320 Ritchie Highway\, Glen Burnie\, MD 21061\, 7320 Ritchie Highway\,\, Glen Burnie\, MD\, 21061\, United States
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20170926T180000
DTEND;TZID=America/New_York:20170926T193000
DTSTAMP:20260613T182430
CREATED:20170905T192000Z
LAST-MODIFIED:20170918T201254Z
UID:10002575-1506448800-1506454200@acdsinc.org
SUMMARY:Understanding Your Credit Workshop
DESCRIPTION:What is credit and why it is important? \nWhat’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 of how to obtain your credit report\, an understanding 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 \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.  Historical credit and information detailed on your credit report tells a story about you. \n  \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/understandingyourcredit/
LOCATION:7320 Ritchie Highway\, Glen Burnie\, MD 21061\, 7320 Ritchie Highway\,\, Glen Burnie\, MD\, 21061\, United States
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