Wednesday, January 13, 2016

Looking For Volunteer To Chair Frederick MD's Popular "Bring a Broom Saturday"

The Downtown Partnership is looking for a chair or co-chairs  for Bring a Broom Saturday.  As a co-chair for Bring a Broom Saturday, you will work with Caitlin McIntire of the Partnership on planning event logistics. The primary responsibility of the co-chair position is volunteer and block captain recruitment.  There is also minimal logistical coordination with The City of Frederick.  The time commitment is likely less than 10 hours between January and April and the meeting time is flexible based upon the chairperson's schedule.  Ideally, the co-chair people would be present for the actual event on April 30, although that is not necessary.  To volunteer or suggest someone, contact  Caitlin McIntire at or call the Partnership office at 301-698-8118.  Bring a Broom Saturday has it's own Facebook page:

By Permission from Caitlin McIntire at Frederick Downtown Partnership

Monday, January 11, 2016

Which Effects your Credit Score More? Mortgage, Credit Cards, Late Payments or Loans?

We have an idea of what is important in keeping our credit score at a healthy high but having just a little more knowledge can save you from having your score drop unnecessarily. Louise Johnson of Prime Lending submitted the following helpful explanation of the factors that effect your credit score.  This  information was provided in part by Credit Law Solutions, and I think it may help clarify a lot of the myths about credit scores.

Louise:  There is a lot of misunderstanding & misinformation in regards
to how different types of credit impact a consumer’s credit score.  Many borrowers are under the impression that a car loan, mortgage, or other type of installment loan will raise their score immediately, as would revolving debt.

Installment Debt vs. Revolving Debt
Installment credit comes in the form of a loan that you pay back in level payments every month. The amount of the loan is determined at the time of approval, and the sum you've borrowed doesn't change over time. Examples of installment credit include mortgages and car loans. 
Revolving credit is not issued in a predetermined amount. You'll have a limit to how much you're able to borrow, but the amount you utilize within that limit is up to you. Most revolving loans are issued as lines of credit, where the borrower makes charges, pays them off, then continues to make charges. Examples of revolving credit include credit cards and home equity lines of credit (HELOCs).

Revolving accounts are the key to a healthy FICO score

You probably know that a healthy credit report contains a varied mix of credit types; in all likelihood, you have both revolving and installment accounts open right now. This means it's important to know that revolving credit is a powerful force in determining your credit score. In fact, it has the potential to do big damage if you're not careful.  It can also be used to spike a credit score upward. 

First and foremost, any account you don't pay on time will hurt your credit. Thirty-five percent of your score comes from your history with paying your bills by their due dates. Consequently, it should be a priority to make all your credit payments - revolving and installment - on time.

But revolving credit weighs 30% of one's score & is the second-biggest portion of your credit score.

Credit scores consider how much you charge on your credit cards versus how much credit is available to you. That's called your utilization rate. The key is to keep your utilization rate below 20 percent for each credit card account and for all accounts in total. 
Here is a little known fact:  Mortgage payments & car loans absolutely hold a lesser weight on your client scoring model.  The balances are basically irrelevant & have zero impact on the FICO score.  It makes no difference if it is at 90% or 30% or 10%.  There is no way to "pay it down" to increase a FICO score. 
A credit card carries more weight than a mortgage and car loan and can cripple a credit score without ever being late.  The reason is because credit card debts tend to move higher over time, which weakens overall credit position.

Mortgage debt, by contrast, eventually pays down to $0. 

Remember, each revolving credit trade line affects the credit to debt ratio AND the overall summary of credit to debt ratio.  This directly translates to the FICO score.  A double dip that Installment credit does not utilize.

Revolving & installment accounts both have an impact on your credit score. But revolving credit is especially influential & can dramatically alter your client’s credit profile, good or bad.  If you have any questions, contact Louise Johnson, Mortgage Loan Originator, NMLS: 392935, at Prime Lending, 10 North Jefferson Street, Suite 110 Frederick, MD 21701  240.285.0757 

Tuesday, January 5, 2016

January 2016 eNews from the City of Frederick: Yard Waste Update, FCAA, Plein Air Event Easels, Solid Waste, and more

Happy New Year!  Here is the January 2016 eNews from the City of Frederick. This newsletter is packed full of useful information!   It is re-posted here by permission. If you have any questions or suggestions, direct them to Susan Harding, the city's Public Information Coordinator, and author of the newsletter: The topics for this month's newsletter are shown below and the articles follow. See the e-Newsletter archives for other issues.  ~ Darcy Richards 

  1. Talk to the Mayor Tuesday January 26th  from 2-6 pm
  2. Yard Waste/ Stormwater Update Effective January 4th
  3. Productions by The City of Frederick Audio Visual Department
  4. Frederick Community Action Agency Helping People - Changing Lives
  5. Christmas Tree Recycling Sites
  6. Juried Plein Air Event Easels in Frederick - June 13 - 18, 2016
  7. Weinberg Center for the Arts January 2016 Lineup
  8. News from the Frederick Police Department 
  9. Solid Waste Management News
  10. Alert Frederick County Emergency Notification System
  11. Employment Opportunities

Sign-Up Today!
Join Our Mailing List
In This Issue
Talk to the Mayor Tuesday
Yard Waste/Stormwater Update
From Our Audio Visual Department
Home Energy Assistance Programs
Christmas Tree Recycling
Easels In Frederick
Weinberg Center Season
Frederick Police Department News
Solid Waste Forums
Sign up for Alert Notifications
Job Opportunities
Happy New Year
from The City of Frederick

City Hall will be closed

Rev. Dr. Martin Luther King Day
Monday, January 18th  
Carroll Creek Linear Park Update
To follow the progress on Carroll Creek, visit the DED blog.

Stay tuned for exciting news about the opening of the more fountains and sections on Carroll Creek!

Share your favorite photos of Carroll Creek on Instagram at   
Stay Informed by Watching City Cable Channel 99
City Board/Commission Vacancies
Quick Links

61st Administration 
of The City of Frederick  
Downtown Frederick Partnership 
It's what's happening!
To find out what the
Downtown Frederick Partnership has planned for the 2016 season
Fun in Downtown
Upcoming Events 

First Saturday
February 6, 2016
Fire & Ice3-9 PM

Downtown Cooking School
February 20 & 21, 2016
10 a.m. to 10 p.m.
Classes scheduled throughout the day
Tickets are limited
To purchase, click here
 Shopping, Dining and the Arts

Frederick...The Key to the Heart of Maryland.
For more information visit

Connect with The City
January 2016

Talk to the Mayor Tuesday  
January 26th  from 2-6 pm

Mayor McClement sets aside time each month to meet informally with citizens to discuss topics or issues of their choice.
The January Talk to the Mayor will be held on the 4th Tuesday, January 26th from 2-6 PM.
The Mayor's office is located in City Hall at 101 North Court St.  No appointment is necessary and citizens meet with the Mayor on a first come, first serve basis.  For details, contact Nikki Bamonti: 301-600-3835 or
Yard Waste/ Stormwater Update
Effective January 4th

In an effort to adhere to Federal, State and County imposed guidelines and meet the requirements of our National Pollutant Discharge Elimination System permit, The City of Frederick is requiring all yard waste, including leaves and grass, be placed in acceptable recyclable bags or appropriate containers beginning January 4th.  For more information, click  here.
Productions by The City of Frederick
Audio Visual Department

Frederick Community Action Agency
Helping People - Changing Lives

FCAA Office of Home Energy Programs Still Accepting Applications for Energy Assistance If you or someone you know needs help paying heating and electric bills, please contact the Office of Home Energy Programs at 301-600-2410 as soon as possible to find out if you are eligible for financial assistance.  For more information go to Energy Assistance.    
Christmas Tree Recycling Sites

The City of Frederick Christmas Tree Drop Off and Recycling Program began on December 26, 2015 and will continue through January 31, 2016.  The drop off points are:

  • Harry Grove Stadium lower parking lot
  • Husky Park Yard 2 on Highland Street
  • Tasker's Chance parking lot on Key Parkway behind Westridge Shopping Center
  • Max Kehne parking lot on West 7th Street
For more information, go to Christmas Tree Recycling
Juried Plein Air Event
Easels in Frederick - June 13 - 18, 2016

Easels in Frederick - Sixth Annual Juried Plein Air Event in charming historic downtown Frederick, Maryland & the surrounding countryside
Over $15,000 in cash awards Entry deadline is January 31, 2016.

Online application can be found at
Weinberg Center for the Arts
January 2016 Lineup

What's happening in January at the Weinberg Center?
1/10 - A Night at the Opera
1/15 - 1964:   The Tribute
1/21 -  I Have a Dream
1/22  - Del & Woody: The Del McCourdy Band Sings Woody

1/23  - MD International Kid Film Fest
1/28 & 29 - Daniel Tiger's Neighborhood
For more information on these shows and more lined up in 2016, visit   
News from the Frederick Police Department

Help Prevent Crime! FPD & NACs Offer 2016 Community Crime Awareness & Prevention SummitSaturday, February 6th from 8:00 AM - 12:00 noon, Hodson Auditorium, Hood College Campus.  Registration is required.  A $5.00 registration fee includes a light breakfast. Click here for more information and to register.

IRS Tax Scam - Frederick Police Warn Residents about Continued IRS Tax Scams. 

FPD would like to warn consumers about a phone scam targeting tax payers. Victims are told they owe money to the IRS.  For more information, go to IRS Tax Scam.

FPD Holiday Activities
- For a look back over the wonderful holidays activities of the Frederick Police Department, click here.

Neighborhood Advisory Council
- Get to know your neighborhood! The new NAC 2016 meeting schedule is here.
The NAC is a forum for residents to become involved in identifying and recommending changes to improve your neighborhood.  Each NAC meets to discuss issues, concerns, and neighborhood projects.  To find out which NAC you belong to visit Find Your NAC

For more information, contact Michele Bowman at 301-600-2109 or
Solid Waste Management News

The Frederick County Solid Waste- What's Next Steering Committee is holding forums to allow for citizens to help shape the future of solid waste management in Frederick County. The remaining 2 forums will be held:
  • January 11th @ 7:00 PM - Urbana High School
  • January 23rd @ 10:00 AM- Thurmont Town Hall
Suggestions and ideas can be email to
For more information, call Frederick County Solid Waste Management Department at 301-600-2960.

Reduce, Reuse, Recycle T-Shirt ..... Design Contest
A picture is worth a thousand words and now it could be worth a prize too! Frederick County Department of Solid Waste Management is sponsoring a T-shirt contest.  For more information and contest entry form, go to
Alert Frederick County
Emergency Notification System

Sign up for weather, traffic, and other important notices and updates at
Alert Frederick County

For video assistance on how to sign up, visit Alert Frederick.
Employment Opportunities

The City of Frederick values diversity in its workforce and is an equal opportunity employer.  For information on employment with The City, visit Job Opportunities & How to Apply

Applications and current job descriptions are also available inside City Hall by the security desk on the first floor.