Free Money Smart Workshop at CSM: Managing Your Money in Difficult Times. 8 a.m. to 1 p.m., Feb. 20, College of Southern Maryland, Leonardtown Campus, C Building, 22950 Hollywood Road, Leonardtown. A one-day educational workshop on managing your money in difficult times divided into four seminars: Insurance, Financial Planning, Personal Banking, Real Estate and Mortgage, with each seminar containing multiple, individual, hour-long sessions-16 sessions in all to choose from. Topics include: Secrets to Using Grants/Tax Credits to Purchase a Home, Identity Theft Protection, Paying for Long-Term Care Insurance, Choosing a Financial Planner and more. Expo of real estate, banking, insurance and financial planning businesses between 8 and 9 a.m. and noon to 1 p.m. provides time to talk to professionals. All sessions are presented by professionals in their field with adequate time for questions. Conference is free. To pre-register, call Christine Bish at 301-934-7602. For information and a list of session topics, visit http://www.csmd.edu/MoneySmart. Snow date is Feb. 27.