Young Adult Blog Series: The Importance of Budgeting

So you’re all grown up and earning a steady paycheck—hooray!   Now it’s time to consider how you’re spending it.

If you’re trying to lead a better, smarter financial lifestyle, it’s important to understand how you’re using the money that you have. Having a budget for yourself is a simple way to help better manage your income. Tracking your income and expenses each month can shed light on bad spending habits and make you more accountable for where your money goes each month.

You can start a budget using old fashioned pen and paper, or if you’re more technologically inclined, Excel or Microsoft Money can be a good way to go. For smart phone users, there are many apps available like BUDGT or Mint that can help you keep track of your income and expenses from your smart phone.

As you start creating your budget, think about how much control you have over your expenses. Things like rent, taxes and insurance are probably pretty well set. Other expenses, like food, entertainment and gifts are more controllable. Just by thinking about these items, you may be able to find ways to spend less and save more. If nothing else, you can make judgments about which expenses are most important to you.

Generally speaking, a personal budget will enable you to understand where your money comes from and where it goes. With that understanding, you will be in a better position to make informed financial decisions, to monitor your spending and to potentially identify ways to spend less on some items so you have more to spend on more important things or to save.

Creating and maintaining a budget takes commitment, and sticking to your budget takes self-discipline. But remember that there are many different apps and programs available to help with budgeting so that wherever you go, you can take your good financial sense with you!

Ready to get started? Check out this article from Investopedia for more tips on getting started!

Friday Focus: Belle Grove Plantation

In its three hundred year history, Belle Grove Plantation has stood witness to many of America’s greatest historic events and has hosted many famous and historical people. As the Plantation prepares for its first major fundraising event, a Blues Concert and Picnic Under the Stars on July 4, we caught up with representative Michelle Darnell for this week’s Friday Focus.

Q: Tell us about your organization (who you serve, what you do, etc.)

A: Belle Grove Plantation, the birthplace of President James Madison, located in King George County Virginia, is now the home of Belle Grove Plantation Bed & Breakfast. Our Southern Plantation was established in 1670 on the banks of the Rappahannock River. Belle Grove’s stately, historic mansion has four master suites with private baths and views of the river and plantation. Each room is named after a family that owned Belle Grove Plantation through its history, and each is decorated with period antiques to reflect the period that a particular family lived at Belle Grove. Gourmet breakfasts await you in our formal dining room or on the riverside balcony. Social hour at 5:00pm will allow you to relax as you watch the sunset on the river.

Built in 1791, this mansion offers the charm of Southern days gone by. Here you will find the elegant Southern wedding of your dreams or a peaceful retreat for corporate and social gatherings. With historic and local attractions within easy drives and award-winning vineyards just around the corner, Belle Grove Plantation makes a great place to come home to after a day of adventure.

Just 90 minutes from Washington DC or Baltimore, 50 minutes from Richmond and less than a half hour from Fredericksburg, Belle Grove Plantation is a hidden jewel of the Northern Neck.

Q: What is your favorite “moment” (example of how your organization helped)?

A: This one is a hard one to answer. We have had so many special moments since we opened in August 2013 and even before we opened. I have to say that one that sticks out in my mind was a very special visit we helped arrange for a local descendant of one of the owners of Belle Grove. Over the years, no access had been given to the public to allow others to come and enjoy the beauty of Belle Grove and to touch the ground where many of the local families’ forefathers once walked.

We were contacted by the wife of one of these families before we opened to arrange a very special birthday surprise. The family was about to move far away and the husband, who was a direct decedent as well as the family historian, had driven by this plantation many times, longing to come back and see where his forefather once called home.

His wife and I made an appointment on his birthday for them to come to the plantation. This was just a day or two before they were to leave for good. She blindfolded him and drove him to the plantation. As she helped him out of the car, you could feel the excitement of seeing his reaction once he knew where he was. When she removed the blindfold, his jaw dropped and I could swear I saw tears in his eyes.

That time with him was not only helpful to us as we were building the past history to preserve, but it was one of the most special times we had as we walked this decedent through the same halls his forefather had walked years ago.

Q: What is your biggest challenge?

A: Like with any business or historic landmark, our biggest challenge is money and fundraising. Our historic home, despite being here since 1791 and our plantation, founded in 1670, are really not very well-known landmarks. Most people assume that President Madison was born at Montpelier and don’t realize that he was actually born here; we have been working hard to get the word out to others who, like us, want to preserve this important landmark.

Our biggest challenge right now is the restoration and preservation of our three 1720 outbuildings. Our Summer Kitchen, Ice House and Smokehouse are the oldest buildings on the property and stood here when James Madison drew his first breath. The Virginia Department of Historic Resources has even told us how important they are. Structures like our Summer Kitchen, which is half kitchen and half slave quarters, just aren’t around anymore from this time period, and it kills us as we stand by watching boards pop loose and bricks fall in, all while we rush to raise the needed funds to stabilize them and to restore them.

Our hope is to restore these structures back to the 1720 time period, and to make the Summer Kitchen into a small museum. We would like to use the kitchen side of to house the artifacts we have already found and to tell the story of the history of this elegant Southern plantation.

We would also like to take the slave quarter side of the Summer Kitchen and turn it into a memorial to the enslaved people of Belle Grove Plantation. While the slave cemetery has long been lost, we do have many of the names of the enslaved people from the early 1700s to just after the Civil War. We have uncovered them through death records, wills and inventories. Our goal is to place a bronze plaque in the slave quarter side of the Summer Kitchen to give these very important members of the plantation a name—to let everyone know that they were here, too.

Q: Are there any upcoming events?

A: On July 4, 2014, we will be having our first major fundraiser to help us restore, preserve and improve Belle Grove Plantation. This event will be a Blues Concert and Picnic Under the Stars at Belle Grove Plantation, starting at 6:00pm. We invite the public to bring their lawn chairs or blankets and come enjoy an evening of music, food and fun. There are no fireworks this year, but when you hear the voice of our main band, The Alexis P. Suter Band from New York, you won’t need fireworks—Alexis has a powerhouse voice that will not only excite you, but move you! We will also have an opening act, Mike Mallack from Maryland. His Southern-fried rock sound will make you swear that you are listening to and seeing Chris Daugherty.

Tickets are available through our online store or by calling us directly at 540-621-7340.

Q: How can people get involved with your organization?

A: There are many ways you can help make a difference at Belle Grove Plantation. We have volunteers that help us in so many ways. You can see our list of volunteers on our website under our “Employment” page.

If you can’t volunteer, you can help us by spreading the word. ‘Like’ our Facebook page and share it with your friends and family. Ask them to share it with their friends and family. Help us by taking some of our postcards or brochures to local businesses and encourage them to display them.

Help us with our fund raising efforts. Besides donating yourself, you can help us in our upcoming donation drive to raise the needed funds to get us to the next steps in restoring, preserving and improving Belle Grove Plantation.

Support our public events, tours and bed and breakfast accommodations. By coming and enjoying our events, you are not only have a great time with us, you are helping to provide funds we so desperately need!

For more information, visit www.bellegroveplantation.com or email information@bellegroveplantation.com.

 

Young Adult Blog Series: Renting Your First Apartment

The day has come—you’re finally ready to move out of your parents’ house and find your own place!New Houses series

Renting that first apartment can be exciting and a little bit scary. You will probably look at several apartments to find the one that has the location you want, includes the amenities you need and is affordable.

That’s the exciting part.

Before the landlord will hand over your keys, you’ll need to go through the process of signing a lease. Often times, you’ll also need to do an application before the landlord will rent to you. Be sure to understand all the details, fill out the application completely (and honestly) and ask questions about anything you do not understand before signing anything.

As you go through the process, remember that the landlord is running a business and you are the customer. However, unlike making a purchase at a store, this transaction will span a much longer period of time, and your relationship with the landlord will continue as long as you live in the apartment. Starting the relationship on a good note and living up to your responsibilities as a renter can make the relationship (and your overall experience) more pleasant.

Here are some of the things you may encounter when applying for the lease:

Personal Information – You will probably need to provide information on your prior places of residence, your employment, contact information in case of emergency, information on your car and whether you have pets. You may also be asked about any legal record you may have.

Application Fee – You will probably have to pay an application fee which may be non-refundable. This covers the cost of the landlord processing your application. It’s worth it to ask your landlord if your application fee can be applied to your rent. You may not get it, but there’s no harm in asking.

Security Deposit – Once your application is accepted, the landlord will probably want a deposit that could equate to a couple months’ rent. The landlord holds this as security in case there are damages when you move out. Be sure to inspect the apartment before you move in to find any existing damages. Discuss anything you find with your landlord immediately, and make sure you are not charged for them when you move out.

Credit Report – It’s normal for a landlord to run a credit check on you before approving your application. This is one of the ways the landlord gets some comfort that you will pay the rent each month, based on your creditworthiness.

Guarantor – Depending on your situation, the landlord may require that someone else guarantees your lease. Remember, the landlord is in business to make a profit and he wants to make sure that the rent gets paid on time and that the apartment is well taken care of. It’s especially common of the landlord to ask this of young tenants who haven’t rented before. Don’t be alarmed or frustrated—ask a parent or guardian to be the guarantor.

Finally, be a good renter. Renters and customers that are pleasant to work with and pay their bills promptly usually get better service. A good relationship with your landlord can be important if things go wrong. Remember, your landlord is whom you are going to call if there is a leak in your roof at 3 a.m. or there’s no hot water. A good relationship may get the problem resolved easier and sooner!

Make your first renting experience a good one—check out this article for tips on avoiding 7 common mistakes among first time renters!

Friday Focus: Southern Maryland Mission of Mercy

The Southern Maryland Mission of Mercy is part of a national initiative to improve the dental health of those without insurance by holding free two-day dental clinics. The clinics provide services ranging from preventative dentistry and cleanings to restorative fillings and extractions. The last clinic held in Southern Maryland took place in June 2012 at Chopticon High School. Led by Dr. Garner Morgan and a team of local dental professionals and volunteers, the organization was able to provide dental services to around 900 people. We caught up with Jean Wathen, a representative from the organization, who gave us more information on the next free clinic, scheduled for July 18 and 19 of this year!

Q: Tell us about your organization (who you serve, what you do, etc.)

A: Southern Maryland Mission of Mercy is a free adult dental clinic provided by volunteer dental professionals and volunteer staff of several hundred people. Dental services for adult patients include:

• Preventive dentistry and cleaning
• Nutritional counseling
• Restorative fillings
• Extractions

All dental services are provided by licensed dentists and hygienists, mostly from Maryland. Mission of Mercy was launched by Virginia Dental Health Foundation in 2000. Over 50 MOM projects are hosted in Virginia, and are now spreading elsewhere.

The first local MOM for Maryland’s Charles, St. Mary’s, and Calvert Counties was held in June 2012 at Chopticon High School in St. Mary’s County.

Q: What is your favorite “moment” (example of how your organization helped)?

A: Seeing people smile for the first time in a very long time. When you are not ashamed of your teeth, you have much more self-esteem in life.

Q: What is your biggest challenge?

A: Our biggest challenge is fundraising; the cost is $80,000 to $100,000 for the two-day clinic.

Q: Are there any upcoming events?

A: The next Southern Maryland Mission of Mercy (SMMOM) will be held on July 18th and 19th at North Point High School in Charles County.

Q: How can people get involved with your organization?

A: This clinic is made possible by volunteers. Upwards of 400 community volunteers are needed as well as 200 dentists, dental assistants, hygienists, oral surgeons, physicians, nurse practitioners, nurses and dental students.

Community volunteers do not need any special dental or medical training in order to participate. We need help with security, parking, volunteer and patient registration, meals, escorting, and more. Please register to volunteer online.

Community Bank of the Chesapeake proudly supports Southern Maryland Mission of Mercy through our annual Casual for a Cause Program!

Young Adult Blog Series: Student Loans

If you’re spending the dollars on a higher education, you likely have the prospect of student loans hanging over your head. You’re not alone—Forbes.com reports that two thirds of students graduating from American universities today are carrying some amount of debt with them. Even more staggering, the total student loan debt in the United States is estimated at around $1.2 trillion, with the average graduate owing $26,000.

In the flurry of excitement that comes with graduation, job searching and (hopefully!) snagging that first job, it can be easy to put off thinking about loan payback. Consequently, nearly one quarter to one third of borrowers are late or delinquent on their student loans, a misstep that can have a negative impact on a financial future down the line.

When it comes to student loans, it’s beneficial to take the time to understand your personal situation. Every student is different, so be sure to find out who you owe, and how much you have in debt. As you go through that process, there are a few things to keep in mind:

What type of repayment plan will you have? Many loan programs allow you to defer starting the repayment process until you graduate and then have level payments for up to ten years to pay off the loan. Depending on the type of loan you have and your situation, you may be able to extend the term or have variable payments.

What are the terms (repayment and interest rate) of your loan? As you review your loan, be sure to compare the student loan rate with any other borrowing you may have. For example, it may sound nice to pay off your student loan just to get it behind you, but if that means that your credit card balance would grow, it may not make sense.

Would consolidating your loans or refinancing them make sense? Again, you need to review all of the terms of any existing loan with the terms of a potential consolidated loan. Be sure to consider rates, terms and any costs of consolidating or refinancing.

What if you are having trouble making your required payments? Living up to your repayment responsibilities is serious. Missing payments may trigger penalties and ultimately that may be reflected on your credit record. If this is an issue, contact your lender immediately. You may be able to work out an agreement to extend the repayment period or change the terms to ease the problem. Your lender does not want to see the loan go into default and neither do you.

Looking for additional tips for managing your student loans? Click here to read more.

Friday Focus: The Community Foundation of Rappahannock River Region

Since 1997, the Community Foundation of Rappahannock has supported local organizations through its philanthropic efforts. Working with individual donors and corporations alike, the Foundation creates endowments, grants and scholarships that benefit a number of programs, groups and community-oriented charitable efforts throughout Fredericksburg and the surrounding counties.  Our Friday Focus interviewee this week is the Foundation’s Executive Director, Teri McNally, who shared with us the challenges and rewards of grant-making!

Q: Tell us about your organization (who you serve, what you do, etc.)

A: The Community Foundation is a private, 501(c)(3) nonprofit organization that has been managing charitable giving on behalf of generous local individuals, families and businesses since 1997. We establish named charitable funds and invest and manage charitable assets for the benefit of the entire Rappahannock River region, which includes the City of Fredericksburg and the four surrounding counties of Caroline, King George, Spotsylvania and Stafford.

Q: What is your favorite “moment” (example of how your organization helped)?

A: I’m happiest at work when I am talking to area donors about what they believe in, what they are grateful for and how they want to give back. And I love it when we get to “connect the dots” between generous donors and the nonprofit organizations who are working hard each day to meet our community’s needs – whether that be through environmental conservation, arts, education, health and wellness, etc.

Q: What is your biggest challenge?

A: They biggest challenge is that there are so many nonprofits doing such great work, but a limited amount of grant funding to distribute. It can be hard to say no when multiple nonprofits are competing for a grant. But it has an upside, too, because it pushes us to look for the most efficient, strategic and well-planned projects to benefit from our donor’s giving.

Q: Are there any upcoming events?

A: We will be hosting a continuing education opportunity for area professional advisors, such as investment bankers, estate attorneys, and accountants. This low cost, high value training will be held on September 16. Our website–www.cfrrr.org—will have more information and registration opportunities as the event draws closer.

Q: How can people get involved with your organization?

A: When the time comes in life to give back to a community that gives so much to each of us, I hope everyone will remember the local foundation that can help.

Opening a charitable fund at the Community Foundation is easy. A phone call is a great way to start! Teri McNally, Executive Director: 540 373-9292 or email terrimcnally@cfrrr.org.

Young Adult Blog Series: Do you know your credit score?

If your answer is “no”, don’t feel bad; a recent study by the Consumer Federation of America and VantageScore Solutions found that there are many misconceptions and a general lack of knowledge among Americans when it comes to their credit score.

When you’re young, a credit score probably isn’t something you regularly think about, but as your level of financial responsibility increases, it becomes an important thing to keep track of. So what is a credit score, and how do you find out yours?

Essentially, your credit score is a snapshot of your borrowing history, comprised of information from credit card companies, financial institutions and other companies. This history is used to calculate your creditworthiness—in other words, your likelihood of being able to pay back money that you borrow.

Each time you apply for credit, whether you complete a credit card application, apply for an auto loan or sign a lease for an apartment, someone is probably checking your credit report. When it comes to loans, your credit score is a major determining factor on whether or not a lender will approve you. It can also affect your interest rate; the lower your credit score, the more likely you’ll end up paying more in interest.

Here are some tips to help you build and maintain a solid credit rating:

-Make your payments before the due date Remember, promptness counts! Making your payments ahead of schedule will not only help you avoid late fees, but it will keep your account from delinquency.

-Pay more than the minimum on all credit cards if you can. Having a high credit card balance relative to your credit limit can negatively affect your credit score. If you have a high amount of credit card debt, make every effort to pay down your balances as quickly as possible.

-Order a credit report once a year There are three major bureaus that house credit card information: Experian, Equifax and TransUnion. You are entitled to one free report per year from each of the financial institutions, so make a yearly credit check-up part of your life! If you notice any errors on your credit report, contact the issuing bureau immediately.

Want to test your knowledge? Take this quiz and see how much you know about your credit score!

Friday Focus: Accokeek Foundation

Along the Potomac River just across from the historic Mount VernDSC_0915 Becky talks about watermelonson plantation sits Piscataway Park, a 5,000-acre span of natural landscape. The park is a product of a large-scale conservation effort begun in the 1950s, when rapid development threatened to
destroy the land. Today, the stewardship of the park is a joint effort between the National Park Service and the Accokeek Foundation, an organization dedicated to sharing the land and its heritage with visitors. This week’s Friday Focus is a conversation with Anjela Barnes, the Foundation’s Marketing Director, who shared some favorite moments and the Foundation’s plans for celebrating the bicentennial of the War of 1812!

Q: Tell us about your organization (who you serve, what you do, etc.)

A: The Accokeek Foundation’s mission is to cultivate passion for the natural and cultural heritage of Piscataway Park and commitment to stewardship and sustainability. We were founded in 1957 to protect the view from George Washington’s Mount Vernon as one of the nation’s first land trusts, and we continue land conservation efforts today to ensure continued protection of the viewshed and the working landscapes in Prince George’s County, Maryland. Through a partnership with the National Park Service, the Foundation uses Piscataway Park to interpret agriculture and environmental stewardship to its 20,000 annual visitors, including school youth, local residents, recreational enthusiasts and D.C. area tourists. The National Colonial Farm, a well known historic farm museum established in 1958, demonstrates Maryland agriculture during the 18th century, and has been the backdrop for hundreds of school tours each year. The Ecosystem Farm, a certified organic 8-acre farm, teaches visitors about sustainable food production using innovative growing techniques. It is the goal of the farm to demonstrate a compelling variety of possibilities that inspire people to want to grow while creating a thriving, engaged community.

Q: What is your favorite “moment” (example of how your organization helped)?

A: There are so many favorite moments that it’s hard to choose just one, but I would say that the best moments come by way of the school tours offered to kids aged 13 or younger. Last fall, the organic farm we operate was host to a group of kids from D.C.’s Mundo Verde Public Charter School. The kids learned about what it’s like to be a farmer, where their food comes from and even helped to harvest carrots–a lot of carrots! For many of the kids, it is their first time visiting a farm, an experience quoted by one teacher as, “one they’ll never forget.”

Q: What is your biggest challenge?

A: Because of recent federal budget cuts, including sequestration and the October shutdown, the Accokeek Foundation has been impacted by a decrease in federal funding. Support from private foundations and individuals help to provide the funds needed so we can maintain and provide an open space that is available daily and free for all to enjoy its beauty.

Q: Are there any upcoming events?

A: Yes. We’ve just launched a free monthly workshop series on Modern Homesteading which integrates classroom learning with practical, hands-on work on the farm. The series will be held on Sundays through the fall and will cover topics such as composting, permaculture design, kitchen gardening, canning and food preservation and seed saving. We are also in the midst of planning for a large public event on July 12. The event, “Celebrating with Pride on the Potomac”, commemorates the War of 1812 bicentennial with a visit to the Potomac by the Pride of Baltimore. The event will feature deck tours aboard the Pride, shore side captain talks about the life of a privateer, kayak tours by Atlantic Kayak Company, music and historic interpretation on the National Colonial Farm. Admission is $10 per person, and children 10 and under are free.

Q: How can people get involved with your organization?

A: There are many ways to get involved with the organization. Volunteering on a recurring basis is often the most rewarding way to get involved and give back by helping with the gardens, caring for heritage breed livestock, working the on-farm market or lending a hand during special events. Individuals and families can also join and become members of the Accokeek Foundation to support the natural and cultural heritage programs offered. Or simply visit, bring your family and friends, and enjoy the natural beauty of Piscataway Park, preserved and protected for generations to come.

Young Adult Blog Series: Buying Your First Car

Car Care Tips to Save You MoneyOne of the first big financial steps you’ll likely take is making the decision to buy a car. Buying a car can be exciting, a little stressful and will have a big impact on your financial life. You’ll need to consider what you want, but also what you can reasonably afford. Owning a car doesn’t just involve making a monthly payment on your loan; you will also need to consider things like gas, insurance and maintenance before making a purchase. And always remember that a car isn’t an investment—it’s just a means of getting from one place to another.

Buying a car is essentially a three-step process: choosing the car you want, negotiating the purchase and actually paying for it.

Step One: The New or Used Decision
The automobile industry spends millions of dollars each year to bring you advertisements for sleek, shiny, new cars with countless features and custom furnishings. But as you can imagine, luxury comes with a high price tag, so as you begin your search be sure to set a limit on how much you’re willing to spend.

There are pros and cons to both new and used cars; new cars usually come with a warranty that will cover unforeseen expenses, but can be expensive. Buying used can be a cost-savings up front, but you’ll need to do extra homework on the car’s history to avoid getting stuck with a clunker. Sites like Carfax.com offer history reports that can tell you if a car was ever stolen, salvaged or recalled, so make that part of your research process. It’s also a good idea to have a qualified mechanic take a look at the car before you buy.

Step Two: Negotiating
Negotiating the purchase of your car can be the most stressful part of the process, particularly if it’s your first time. It helps to go in knowing the facts about the car you’re interested in and be firm on your price limit.

The Internet is a great resource for comparing prices. Check out sites like Autobytel and CarsDirect to get quotes beforehand. Don’t be afraid to share competitive pricing with your salesperson. While you negotiate, stay focused on the purchase price of the car you want and keep discussions about trade-ins or financing options separate. Be wary of expensive add-ons, too; often times, dealerships offer things like rust-proofing or extended warranties that are profitable for the dealer but can be very expensive for you.

Finally, if you feel that you cannot get the price you want or you aren’t being treated with respect, don’t be afraid to table the negotiation and take your business elsewhere. There are many dealerships out there who would love to have your business!

Step Three: Paying for the Car
When it comes to paying for your car, you have several different options.

The first and easiest option would be to pay cash in full, that way you’ll avoid any interest expenses. If you’re buying a new or more expensive used car, though, paying cash might not be possible. In that case, most people choose to make a down payment and then finance the rest of their purchase with a loan. You can take a loan through your bank or credit union, or through the dealership itself. If you’re not planning to finance through the dealer, secure your loan before you walk into the showroom.

Another option is to lease a car, which avoids the need for a large down payment. When you lease, you make monthly payments until the lease is up, at which point you return the car. The obvious drawback here is that you don’t actually own the car.

Whether you’re leasing or buying, be sure to fully understand the terms and conditions before you sign any documents.

Are you ready to take your first steps toward owning a car? Community Bank offers auto loans to help you finance your purchase. Stop in and talk to us anytime!

Friday Focus: Charles County Dive Rescue, Inc.

When disaster strikes on the water, Charles County Dive Rescue, Inc. (CCDR) is there to help by dispatching properly trained and equipped divers to assist in emergencies. The organization was founded in 1989, when medical advances in near-drowning resuscitation prompted a need for a specialized rescue team that could respond in those situations. Today, CCDR Company 13 is an independent emergency service agency that operates an in-house training program and maintains a fleet of dive and rescue boats and vehicles. We talked with Chief William “Skeeter” Porter for this week’s Friday Focus, who gave us an inside look into the organization.design4_01

Q: Tell us about your organization (who you serve, what you do, etc.)

A: CCDR is an all-volunteer, nonprofit organization that operates with other public safety agencies for emergencies around water and ice. Our mission is to serve the citizens of Charles County (as well as neighboring jurisdictions) by providing properly trained and equipped divers to assist in times of need. Further, we shall always strive to raise public conscience concerning safety around water and ice.

Q: What is your favorite “moment” (example of how your organization helped)?

A: It’s hard to pick a ‘favorite’ moment when your service is most needed at times when people may be experiencing a horrible tragedy. Suffice it to say, we are fortunate to have dedicated members who volunteer their time, knowledge and skills to help others in their time of need.

Q: What is your biggest challenge?

A: Many emergency operations on open water are difficult due to a lack of reliable information. Distance is very hard to estimate over water. Also, wind and currents create difficult contributing factors. Alcohol is often a contributing factor to accidents, which also makes obtaining accurate information about an incident difficult.

Q: Are there any upcoming events?

A: Our 26th Annual “Vampire Manor” fundraiser starts in October. The Manor is run by our team members and all profits go to support CCDR, the Bel Alton VFD and some of the local high schools who help provide the volunteer creatures. Check out the website at www.vampiremanor.com/ for more information.

Q: How can people get involved with your organization?

A: You can learn more about CCDR by visiting our website at www.ccdr.net.

Community Bank is proud to support Charles County Dive Rescue through our annual “Casual for a Cause” campaign. If you’d like to donate directly to CCDR, donations can be mailed to: Charles County Dive and Rescue, Inc. P.O. Box 13, Pomfret, MD 20675.