Fun Things to Do in Baltimore for Free (or close to it)

by Stacy Tharp 26. March 2012

It's official, Baltimorians - spring has sprung!  For those of you who have had your snow gear out and ready to go for that big snowstorm that you just knew was going to hit…it’s time to give that up.  Put your snow boots away and get out your rain boots.  Trade in that snow shovel for a gardening hoe, and hurry up and drink all your leftover hot chocolate.

While you prepare yourself for spring, local businesses and organizations are preparing themselves as well.  Spring brings a ton of festivals in Baltimore and other fun activities for you and your family to enjoy.  Us folks here at 1st Mariner Bank have come up with a list of a few of our favorite spring activities in Baltimore and the surrounding areas.  The best part?  Everything is FREE (or close to it).

 

Privateer DayFells Point Map

What’s the difference between a pirate and a privateer?  Find out on Saturday, April 21st at Fell’s Point Main Street’s 8th annual Privateer Day.  From 11:00 a.m. to 6:00 p.m. you and your family can enjoy a variety of fun, free activities.  There will be live music and battles, ship tours, food and craft vendors, and lots more.  Once your children are privateered-out, drop them off at home or in the gated children’s playground and enter the adult Thames Street Grog Garden to enjoy your favorite ales and live music.  You can also purchase a button for $5 to unlock fantastic deals at over 20 participating Fell’s Point bars.  Visit the official Privateer Day website for more details.

Can’t make it on April 21st?  Here are some other free festivals in the area:

Maryland Avenue Spring Festival (Annapolis, April 22nd)
Towsontown Spring Festival (Towson, May 5th & 6th)
Laurel’s Annual Main Street Festival (Laurel, May 12th)

 

Baugher's MapBaugher’s Orchard & Farm

Llamas and peacocks and goats, oh my!  These are just a few of the animals that you will find at the free petting zoo at Baugher’s Farm.  Located in Westminster, Baugher’s Orchard and Farm is known for its seasonal Pick Your Own fruit, fresh pies and pastries, and homemade fudge and ice cream.  The petting zoo allows children to learn about and feed various animals.  Opening day is set for April 20th.  Visit Baugher’s website for more information and updates.

Like what you see?  Here are some similar ideas:

The Maryland Zoo in Baltimore
Baltimore Farmers’ Market & Bazaar
The Great Frederick MD Flea

 

Ripkin Stadium Map Aberdeen IronBirds

How ‘bout them Birds?  Nope, not those Birds, the OTHER Birds.  Enjoy all the fun of watching professional baseball without the Major League price by attending an Aberdeen IronBirds game at Ripken Stadium.  Some of the benefits include an up-close view of the action, no huge crowds, free parking, and group discount offers.  The IronBirds’ season doesn’t begin until June, but if you are eager to see a game soon, check out some of the other local minor league teams.  Many teams begin their season in early April, including the Frederick Keys and the Bowie Baysox.

Here is a complete list of Maryland’s Minor League Baseball Teams, as well as other baseball-related museums and sites:

Maryland Baseball Sites

 

We know that there are tons of other fun Baltimore festivals and other spring activities.  Be sure to leave a comment below or on our Facebook page to tell us what great deals we missed!

Don't Forget Us When You're Famous!

by Stacy Tharp 20. March 2012

Watch out - Baltimore is taking over network television!  Okay, that might be a bit of an exaggeration...but Baltimore is definitely making its mark.  ABC's new reality TV series Ball Boys features Baltimore's own Robbie's First Base, a sports memorabilia shop located in Timonium.  From the producers of Pawn Stars, Ball Boys reveals the negotiation process behind buying and selling one-of-a-kind sports merchandise.

Robbie's First Base, located on Ridgely Road across from the Yorkridge Shopping Center, has been in business for over 20 years.  When you walk into Robbie's you are greeted by a cast of characters: owners Robbie Davis Sr. and Robbie Davis Jr., as well as workers Lou "Sweet Lou" Brown and Robbie "Shaggy" Reier.  According to a recent article in the Baltimore Sun, a voice-over during the opening of the show states, "This place is like a sports club.  It's not unusual to see a baseball player or football player here."

The show, Ball Boys, is locally sponsored by 1st Mariner Bank, and it will premier with two 30-minute episodes this Saturday, March 24th, at 3:00 p.m. on the ABC Television Network.  Watch the trailer below for a sneak peak and check out the Robbie's First Base Facebook page!

Win an Autographed Joe Flacco Jersey


In the spirit of local sports memorabilia, 1st Mariner Bank has teamed up with WMAR-TV ABC2 News to give away an autographed Joe Flacco jersey to one lucky fan... all you have to do is be a fan of us too!

Visit either 1st Mariner Bank's Facebook page or ABC2's Facebook page to enter.  Click on the "Contests" tab on either page and follow the instructions to submit your entry.

Pictured below are the locations of the contest page on 1st Mariner Bank's Facebook page and ABC2's Facebook page.  Good luck!


1st Mariner Bank FacebookABC2 Facebook

Spend It or Save It? What to do with your tax refund

by Wade Barnes 12. March 2012

Average Annual Tax Refund

It's that time of the year again, and if you haven’t already started working through the process of filing your taxes, now is the time.  While it likely isn’t the most favorite chore you’ll tackle this year, it might be one that pays off.  According to the IRS, the average tax refund this year is about $3,000.  Some might argue that getting a tax refund isn’t the best way to manage your money throughout the year, as you essentially gave the government an interest free loan.  Nonetheless, using your tax refund wisely can greatly benefit your financial position and might even help you get a bigger refund when you file your taxes next year.

Resist the urge to spend the money before it hits your bank account.  Most certainly avoid refund anticipation loans unless absolutely necessary to deal with an emergency, as these are expensive and might even leave you owing more money than you get back in your refund.  Consider having the money refunded via direct deposit from the IRS directly into your bank account.  Direct deposit isn’t only a safe way of receiving your money, it is also the quickest way of getting your refund from the IRS.

Once you know how much you can expect to receive in your tax refund, make a plan and consider spending the money in the following three categories to invest in your future.

Emergency Fund

Nobody wants to think that something bad might happen, but it’s always a possibility, and planning for an emergency in advance can help lessen the burden if it happens to occur.  Experts suggest you should have 3-6 months of salary tucked away in an emergency fund.  With this money in savings, you should be able to offset hardships that could come from illness, unemployment, or other unexpected events.  Another way to plan for an emergency is to stock up on nonperishable food items and household supplies that are not only good for natural disasters but can provide a source of stability if an unexpected event, such as job loss, was to occur.  While providing for an emergency isn’t a fun way of spending your tax refund, according to Maslow, by securing fundamental needs we can move on to talking about ways to maximize your full potential.

Invest in Yourself

There isn’t much in life more important than your future, so be sure to spend some money to ensure your future is strong.  Consider going back to school or taking a class that can help you learn new skills or techniques that will help advance your career and earning potential.  Attend a conference relevant to your industry – not only will you be exposed to cutting edge information, you’ll also be exposed to networking with people you may not have otherwise met.  Spend some money to update your professional wardrobe.  We all know first impressions are important, so be sure your professional attire is sharp.  Invest money in a retirement account.  Even if you love your job, the time will come when you want some time for yourself.  By investing in a retirement account, you can look ahead to life after work.

Tax Deductible Activities

Consult your tax advisor on this topic, but there are ways you can spend your tax refund that could potentially reduce your future tax burden.  Tackling home improvement projects like purchasing energy-efficient windows or doors, adding insulation, and installing energy-efficient appliances or solar panels are all good ways to improve your home and potentially lessen you tax burden.   Consider saving for or buying a house, as there are many tax benefits to being a homeowner.  Make a donation to your favorite charitable cause.  Not only will you feel good about making the donation, you’ll being doing good for the community.  Many self-investments that are career oriented might also help reduce your tax burden.  Again, consult a tax advisor to understand the details, but using your refund to improve your house, your retirement, or your community might mean less tax in the future.

While the above activities are all important, it is just as important that you treat yourself too.  Don’t blow it all on a weekend in Vegas, but make a smart plan to further your financial progress and after making smart investment decisions, do something to reward yourself as well.



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