Words of Welcome
               
               
               
               The officers of the Allegany College of Maryland Retirees Association (ACMRA) are
                  Steve Resh, president; Molly Saunders-Bloom, vice president; Lowell Markey, secretary/treasurer.
               
               The following is a brief summary of our accomplishments:
               
               
                  
                  - Business meetings, luncheons, or dinners are held throughout the year for all members
                     and their guest.
 
                  
                  - ACMRA website activated on September 18, 2009.
 
                  
                  - Four scholarships in the amount of $750 ($375 for each semester) have been established
                     and are awarded each spring. Click here for more information.
 
                  
                  - Revised bylaws of the association were approved by the members present at the September
                     18, 2009 business meeting were approved by the Board of Trustees.
 
                  
                  - There are three active committees: Scholarship, Social, and Communications.
 
                  
                  - Minutes of the officers’ meetings posted on this website.
 
                  
                  - A Chronology for Establishing ACMRA prepared to document the process. (Informal/Formal).
 
                  
               
               The Officers and members of ACMRA would like to express our appreciation to the ACM
                  faculty, staff, and the Board of Trustees for their support.
               
               If you have any suggestions on how we can enhance the Association, please let us know.
               
               
               
               Bylaws and Minutes
               
               
               
               
               
               History
               
               
               
               
               
               Membership
               
               
               
                
               
               Membership Criteria
               
               
               
               
               
               Links
               
               GOVERNMENT SITES:
               
               
               
                
               
               FINANCE SITES:
               
               
                  
                  - Retirement Jobs and Retirement Businesses at The Real Success Resource Center: Retire to a Job You Love Instead of One You
                     Love to Hate! Top-10 Retirement Jobs. Top-15 Cool Retirement Jobs.
 
                  
                  - Budgeting & Savings Tips For Retirees: Financial advice on the right way to change spending habits and learn why the wrong
                     ways don't work. Budgeting is an important tool to use at any age, although to many
                     of us it sounds like a four letter word. Practical ideas for budgeting and saving
                     that make managing expenses easy.
 
                  
                  - Debt Management Tips for Seniors: by Aleksandra Todorova Cites five overlooked debt-management strategies that can
                     help retirees dig themselves out of a financial hole.
 
                  
                  - Seniors Discounts: SeniorDiscounts.com is an online directory of US businesses that offer age related
                     discounts to people 50 years of age and older. The website lists over 150,000 business
                     locations offering discounts. Includes the contact information, discount information
                     and other information necessary to receive each discount.
 
                  
               
                
               
               OTHER SITES:
               
               
                  
                  - Retirement Home Exchange: The premier international home exchange and home swap service. Home Exchange is
                     the vacation alternative where two families agree to swap homes for a vacation. "You
                     stay in my house while I stay in yours." Price Is $99.95 per year.
 
                  
                  - Retirement E-book: The 237 Best Things Ever Said about Retirement:  Few things spice up an article, a book, a conversation, or a speech more than a
                     great quotation. From a collection amassed over many years, this is a wonderful assortment
                     of some of the most unpredictable, ridiculous, outrageous, humorous, motivational,
                     and inspirational quotations about RETIREMENT.
 
                  
                  - The Retirement Quotes Café: A Comprehensive Collection of Retirement Quotes and Retirement Sayings for Any Occasion
                     Including a Retirement Card or a Retirement Party. Also Retirement Letters, Retirement
                     Speeches, and Retirement Poems.
 
                  
                  - VocationsVacations®: Live your retirement dream job or retiree business with VocationsVacations® before
                     your career ends or after you retire. Learn how to work in your dream job with short
                     one-on-one mentorship. The only company of its kind, VocationsVacations® enriches
                     retirees lives by allowing them to test drive the cool retirement jobs that they fantasize
                     about.
 
                  
                  - How to Retire Happy:  Your true nature is to retire happy, wild, and free. Never lose touch with it.
                     You will, however, if you are not careful. The way to ensure that you have a happy
                     retirement is to have a copy of The World's Best Retirement Book by Ernie Zelinski available at your fingertips. This webpage shows you why you should retire before
                     you expire.
 
                  
                  - Fiscal Fitness for Older Americans: Stretching Your Savings and
Shaping Up Your Financial Strategies. Advice from The Federal Deposit Insurance Corporation
                     which has been publishing FDIC Consumer News quarterly since 1993 to help people protect
                     and stay healthy 
                  
                  - Where to Retire Magazine: The website of the magazine with more than 500,000 American and Canadian readers
                     each issue. Where to Retire magazine covers all topics related to retirement relocation. Now  in its 15th year
                     in publication, the magazine may help you discover the ideal setting for a happy and
                     fulfilling retirement.
 
                  
                  - SeniorNet: America's leading nonprofit technology educator of older adults 50+ headquartered
                     in Herndon, Virginia. Besides teaching retirees how to use computers, SeniorNet works
                     toward raising awareness throughout the legislative community of the need for technology
                     access and education for the nation’s older adult population.
 
                  
                  - The Joy of Not Working Website: Features The World's Best Retirement Book and The World's Second Best Retirement Book. Real life success stories about people not working, 25 reasons to retire early,
                     and retirement quotes, letters, jokes, and poems from an author whose books have sold
                     over 600,000 copies worldwide.
 
                  
                  - Elderhostel
 
                  
                  - Older and Wiser
 
                  
                  - Alliance for Retired Americans:   ARA is an activist voice for older Americans and is one of the largest organizations
                     today representing senior citizens and their families. Created to spearhead the charge
                     to enact a health care program for senior citizens -- Medicare. Has approximately
                     3 million members.