National Association of Insurance and Financial Advisors–Carroll/Howard — Sept. 8, 8:30 a.m. Speaker will be Eric Rittmeyer, Fidelis Mortgage, whose topic will be "Evolution of the HECM: Today's Reverse Mortgage." Approved for two Life and Health Continuing Education Credits. Harvey Tegeler, 410-876-0500 by Sept. 5 to register. Guests are welcome. $35 for nonmembers. Best Western Catering & Conference Center, 451 WMC Drive, Westminster.