Distressed Mortgages

**.... Do you *dread* speaking in front of others? .... Need to *present* an important meeting? .... Is it time to *enhance* your communication skills?** **Meeting Theme: 'How to Use Vocal Variety'** Some voice coaches will say, **“it’s not what you say, but how you say it.”** In Toastmasters, we practice ‘vocal variety’ in order to bring life to speeches. It can help to convey emotional feelings. Key techniques include matching volume to emotion, adjusting speed for urgency, and using silence/pauses for emphasis. Join us to hear how speed, pitch and volume can affect the impact of your message. Gain new insights and benefit from the information provided by Toastmasters Speechcraft program. Join our meeting and experience the hands-on “how-to” instruction in public speaking. If you are an experienced Toastmaster or a guest exploring Toastmasters, you will acquire a new way of communicating your thoughts with increased clarity and impact. Each ‘discovery’ meeting will provide valuable tips to boost your confidence on stage. Don’t miss this opportunity to connect with like-minded individuals and learn from experienced speakers. **What is the Toastmasters Speechcraft Discovery meeting?** You will: * gain insights into principles and strategies from expert speakers, * hear speeches and learn from evaluations given by advanced Toastmasters, * experience what happens at a real Toastmasters meeting, * get familiar with the Toastmasters Speechcraft program and resources, * discover the benefits of Toastmasters Speechcraft for personal and club growth. **Register NOW for any FREE Discovery meeting.** **Discovery Meeting:** Tuesday, Apr 21, 2026 7:00PM to 8:30PM Doors open 6:45PM **Details:** [Speechcraft - Phoenix-Toronto Toastmasters](https://phoenixtoronto.toastmastersclubs.org/Speechcraft.html) **Have a question, contact organizer:** Phoenixtmvppr@gmail.com **Sponsor:** Phoenix-Toronto Toastmasters Club Phoenix-Toronto Toastmasters empowers individuals to master the communication skills that drive personal achievement and confidence. Through practice and peer feedback, you will rapidly develop presentation abilities, persuasive influence, and leadership presence. Accelerate your audience impact and transform your trajectory with skills that will help you grow your opportunities. **Speechcraft Discovery Series** **Week 1 – Tuesday, Feb 3, 2026** ‘How to Choose a Topic’ **Week 2 – Tuesday, Mar 3, 2026** ‘How to Organize a Speech’ **Week 3 – Tuesday, Mar 17, 2026** ‘Know Your Speech Purpose’ **Week 4 – Tuesday, Apr 7, 2026** ‘How to Impact with Body Language’ **Week 5 – Tuesday, Apr 21, 2026** ‘How to Use Vocal Variety’ **Week 6 – Tuesday, May5, 2026** ‘How to Create Images with Powerful Words’ **Week 7 – Tuesday, Jun 2, 2026** ‘Research Your Topic to Elevate Your Credibility’ **Week 8 – Tuesday, Jun 16, 2026** ‘Evaluate to Elevate’

St. Timothy's is excited to offer support to newcomers in Canada. Our goal is to provide conversational language practice through informal instruction and feedback in a welcoming and diverse community. We invite all new immigrants, English language students, visitors to Canada, parents of children temporarily attending schools in Toronto, foreign university students, and anyone looking to enhance their language skills. We aim to build community where friendships can flourish, in order to help participants establish meaningful connections, learn about life in Toronto, and access practical resources as you settle in to this new city and country. We begin every Tuesday at 10:00 a.m. with a time to socialize and connect. Our formal program begins at 10:30 a.m., and each week we will have different activities and topics, including practicing English conversation, reading short articles, learning about common pronunciation and grammar mistakes made by ESL speakers, etc. Our volunteers would love to get to know you and offer gentle and constructive feedback to help you improve your English! We also offer Individual career mentoring, including job search, mock job interviews, and helping you improve your resumes and cover letters.

A newly sober, orphaned son of Iranian immigrants, guided by the voices of artists, poets, and kings, embarks on a remarkable search for a family secret that leads him to a terminally ill painter living out her final days in the Brooklyn Museum. Electrifying, funny, and wholly original, *Martyr!* heralds the arrival of an essential new voice in contemporary fiction. Cyrus Shams is a young man grappling with an inheritance of violence and loss: his mother’s plane was shot down over the skies of the Persian Gulf in a senseless accident; and his father’s life in America was circumscribed by his work killing chickens at a factory farm in the Midwest. Cyrus is a drunk, an addict, and a poet, whose obsession with martyrs leads him to examine the mysteries of his past—toward an uncle who rode through Iranian battlefields dressed as the angel of death to inspire and comfort the dying, and toward his mother, through a painting discovered in a Brooklyn art gallery that suggests she may not have been who or what she seemed. Kaveh Akbar’s *Martyr!* is a paean to how we spend our lives seeking meaning—in faith, art, ourselves, others.

**I ran this small 'Inner Peace Qigong Healing Circle' in Palm Springs for 10 years and now we are in Welland.. and are opening the circle here.** This special class is a favourite and has been running weekly now for 6 months. Love the energy of this group! Join Hae Kwang Sunim Bad Stress Out "Inner Peace" Qigong - Don't Miss It! **THIS IS NOT LIKE ANY OTHER QI-GONG YOU EVER EXPERIENCED** Class also Includes full lying down guided Inner Peace Qigong. Join Community - let's connect and grow the Inner Life Training. **Experience the healing and stillness of Inner Peace Qigong. Also learn essential mind-body tools for the Inner Life.** **Location - Merritt & Niagara St. Welland.** This is a small, intimate class (maximum of 7 participants). If you feel called to join us, please reach out to Sunim first to check availability. E-transfer is sent to **innerpeaceqigong@icloud.com** to hold your place. You can DM Sunim as 416-797-7553. Space is usually available when booking a few days in advance. **Required:** **Contact Sunim to register (text 416-797-7553 or email to [innerpeaceqigong@icloud.com](mailto:innerpeaceqigong@icloud.com))** **Investment: Only $17.70 + hst ($20.00\*\*)** **Location - Merritt & Niagara St. > Welland.** **Benefits of attending this class** \*\*\*Soft 'Inner Peace' Qigong leads to the deep release of dis--ease / stress and the restoring of ones energy channels and the infusion of fresh Qi and Peace through the body (reconnection to the Universal Qi field). About Inner Peace Qigong **"HARMONIZE" - "DESTRESS" and "RECHARGE"** We invite you to a great class which includes Zen Qigong, "Experiential" Qi Energy infusion and healing instruction, Meditation and more. This class also includes a soft, flowing series of Tao In, Deep Breathing, Relaxation and an amazing stress reduction closing and meditation that will leave you floating out of the class. The energy healing components of the classes are taught at Zen Temples in Korea that specialize in martial arts. This class by Hae Kwang Sunim is considered the ultimate stress reducer. All are welcome!! \*\*What to Bring A yoga mat and anything else that will make you comfortable for this class. A friend! Note: We have extra yoga mats, blankets, etc., but we recommend bringing a yoga mat to place over ours for optimal 'Inner Qigong' comfort. We supply use of meditation chairs and blankets (please arrive 5-10 minutes early). Class Benefits Include: Reduced stress level / deepening mind-body connection, improved blood pressure, massaging of all organs of the body, reduced anxiety and depression, relieving chronic pain, improved balance and coordination, improved sleep quality (such as staying asleep longer at night and feeling more alert during the day), strengthen mind awareness and inner peace, vitality, and everyday physical functioning. UNDERSTANDING Bad Stress Out "Inner Peace" ZEN QIGONG Health = A Balanced Flow Of Qigong The health of our body is dependent upon a clear, strong and balanced flow of Chi through the Sen Lines. Since qigong practice accomplishes just this, it should come as no surprise that the benefits of qigong (also spelled “Chi Kung”) practice extend to every physical system of our bodies, as well as to the mental, emotional and spiritual aspects of our Being. Physical Benefits of Qigong Practice: Qigong practice makes the body strong and supple. It improves balance, stamina and flexibility. It has positive effects on the cardiovascular, respiratory, digestive, endocrine, and immune and central nervous systems. It tends to create smooth skin, and a pleasant feeling of deep warmth within the body. It increases sexual vitality, and allows our sleep-time to be more deep and restorative. Over time, qigong practice can reduce or eliminate chronic pain. It also has the power to reverse the aging process, and restore youthfulness. Emotional Benefits: The smooth and balanced flow of Qi created by qigong practice shows itself as a joyful, relaxed, optimistic and energized state of mind. While the emotional energies of anger, fear, anxiety or grief still may arise, they will be much less “sticky” – and be held and then dissolved within the larger field of joy, gratitude, acceptance and equanimity. Mental & Spiritual Benefits of Qigong: The abundance of clarified energy and mental stillness generated by qigong practice supports great mental clarity, and nourishes both intuition and creativity. As our intelligence becomes rooted in a connection to the inner body, it widens and deepens in increasingly wonderful ways. As we deepen in our qigong practice, we become aware of more subtle realms of Being, and begin to experience, directly, our interconnectedness with All-That-Is. As acclaimed cardiovascular surgeon Dr. Mehmet Oz, vice-chair and professor of surgery at Columbia University and director of the Cardiovascular Institute and Complementary Medicine Program at New York–Presbyterian Hospital writes in his best selling book ‘Staying Young’: “Qigong allows us to cope with the day to day struggle of being human – it can help us stretch and stay loose and balanced in both mind and body.” On the Oprah Winfrey show in November he simply put it this way, "If you want to be healthy and live to be 100, do Qigong." He also added that Qigong reverses the aging process. Parts of P.K.Z.Q. are modeled off of the Mind-Body Wellness Program taught at the Stress Reduction Clinic at the University of Massachusetts Medical Center. The mindfulness based stress reduction meditation techniques come from Dr. Jongmae Park of Loyola Marymount University. During P.K.Z.Q., cares and troubles wash away. Replacing them are positive images, increased confidence and peace of mind. Near the end of each class the goal is for participants to attain the full ‘relaxation response’ and it’s that response that helps release the feel good endorphins. Why is this important? Endorphins encourage white blood cells and white blood cells help the body fight infection and disease. According to Dr. Benson, “repeated activation of the relaxation response can reverse sustained problems in the body and mend the internal wear and tear brought on by stress.” (Ref: Center for Women’s Healthcare, Weil Medical College of Cornell University.) "When the mind is trained, quieted, then room is created for our brightness, our True Self to shine through. The nature of True Self IS positive, loving, witnessing, unmoved in the moving. No positive affirmation can deliver the depth of contentment, of joy that already exists, that comes forward from True Self. The more we connect with it, the more it grows through us. In such an environment, the body has comfort, hurry sickness and chasing to 'fix' what we 'thought' we were collapses. The nervous system can finally rest - Stillness. From this place, the body will not easily fall prey to disease." - Hae Kwang Sunim **🌿🌿 Stay connected beyond our gatherings** **Between classes and events, we share reflections, short teachings, inspiration, and gentle reminders to return to presence, balance, and inner peace on Facebook and Instagram.** **You’re warmly invited to join us here:** **Facebook:** https://www.facebook.com/innerpeaceqigong **Instagram:** https://www.instagram.com/inner_peace_qigong Questions? Email us at innerpeaceqigong@icloud.com --- About The Teacher: Hae Kwang Sunim started training at the age of 18 in Thailand. He has taken full seminary and in temple training, with graduated ordinations (including Bhikkhu ordination) under Patriarch Kun Sunim in South Korea. He spent over 25 years distilling the deepest and hardest to grasp teachings into a simplified language so it can be taught and effectively applied directly in daily life. In 2005 (2549), the 19th Headquarters in Korea appointed Venerable Hae Kwang as Director of Bo Kwang Zen Center Palm Springs, U.S.A. In 2013, the Western Bhikkhus Council nominated Hae Kwang Sunim 교구장 Kyo Goo Jahng of all American-European Temples (closest english translation: North American-European Oversight Head / Bishop / Director). Qigong and Mind-Body Training Hae Kwang Sunim drew from the most effective mind-body teachings he acquired from studying under different teachers in the East, including the teachings of Wat Bua Luang in Thailand. The methodology is based on the ancient Eastern principles of Hai Palung (Energy Healing), Pon Klie Kwan Sow (Emotional Release), Meditation, Food Based Healing and the importance of compassion, gratitude, oneness, outreach and the need to support the whole person holistically - body, mind and spirit.

Join us for this month's dark fiction writers meeting! Participants are encouraged to bring sacrifices—writing excerpts, that is—of up to 2000 words to read and receive critique. Listeners are appreciated as well. We welcome all dark genres and subgenres, including but not limited to: horror, dark science fiction, dark fantasy, suspense/thriller, etc. We'll be meeting at the MaRS Building near Queen's Park Station.

\*\***The Toronto History Walks Explorer Pass is available. Get it now for $125.00 for 1 year of unlimited tours, email** **torontohistorywalks@gmail.com** **for more information or for signing up!\*\*** We have an amazing "Lecture on the Go" series for 2026. New topics and fascinating stories abound! Join us and learn about the world and keep active and warm during the winter months! I started this walking classroom when we were under that horrible cloud called Covid. This series was popular and helped people get out and back into society and life. The series is back for 2026 with 6 new topics for exploration over the winter and spring months. The "Lecture on the Go" Series is open only to members who have purchased the YEARLY MEMBERSHIP PASS, it's free for those members. If you wish to attend a lecture and you are not a yearly pass member then the price **per** lecture is $20.00. This third lecture is focussed on the History of Northern Ontario, a place most don't know too much about, and that's a shame. Northern Ontario is a place of pure magic. Let's take a closer look at this fascinating subject. Long before maps or borders, or places like Cobalt or North Bay even appeared, Indigenous peoples lived with the land, traveling and followed the seasons. Lakes were highways, canoes were cars, and everything you needed came from knowing the land. When Europeans showed up, they didn’t so much “discover” the North as wander. Business was first to get a notice. Canoes loaded with beaver pelts, trading posts popped up, and suddenly Northern Ontario was connected to Europe. Things sped up fast once railways arrived in the 1800s. Trains unlocked forests, minerals, and new towns were built. Places like Sudbury and Thunder Bay grew — nickel, timber, grain — and people followed jobs wherever they appeared. It was rugged, noisy, and a little chaotic, but it worked. Today, Northern Ontario is a world unto its own. Its big skies, long drives, and communities know how to adapt. The past is still there — in the land, the towns, and the stories — but the North doesn’t dwell on it. It just keeps going, and it's up to us as Canadians to understand. Topics upcoming in the 2026 series of lectures are as follows. We are a little behind but catching up. \*Dante; The Hidden Meaning Behind The Divine Comedy \*Philosophy 1: Great Minds of the Western World: Goethe to Kant! \*Philosophy 2: Great Minds of the Eastern World: Chuang Tzu to Dalai Lama Hope to see you on this "Lecture on the Go!" So book your plans now! This event is for all levels and walkers, there are a few steps here and there to navigate, but mostly on one level. This event in a non walking event. The lecture begins on the steps of Old City Hall at the northeast corner of Bay Street and Queen Street West and head into the PATH. This lecture event has a ticket price of $20.00 per person, and is **free with the yearly membership pass**. Hope to see you there! \*\* **Please note: Please e-transfer the ticket amount when booking your space for this tour! You can e-transfer to the following email at:** **torontohistorywalks@gmail.com**

Our next Vaughan Investors Club event is coming up — and this one is focused on a strategy more investors are starting to pay attention to: mid-term rentals and how they’re quietly outperforming traditional models. 📅 Wednesday, April 22, 2026 🕡 6:30 PM – 9:00 PM 📍 28 Roytec Rd., Unit 201, Vaughan, ON L4L 8E4 🎟️ **FREE Event — yes, completely free. Register on Eventbrite** **[https://www.eventbrite.com/e/1986094954473](https://www.eventbrite.com/e/1986094954473 "https://www.eventbrite.com/e/1986094954473")** We’re excited to welcome **Sarah Larbi** as our main speaker. Sarah is a real estate investor, entrepreneur, and host of the *Where Should I Invest?* podcast. Since 2013, she’s built a portfolio focused on creating freedom through smart investing—and now specializes in mid-term rental strategies through her company, Mid Term Rental Properties. Topics We’ll Cover: • What Mid-Term Rentals Are — and Why They’re Growing Fast • Who’s Actually Renting These Properties • How This Strategy Can Improve Cash Flow • What Makes a Property a Strong Fit • Common Mistakes Investors Should Avoid Whether you’re looking for more stable income, exploring new strategies, or just trying to stay ahead of where the market is going—this session will open your eyes to what’s possible. This is more than a talk — it’s an opportunity to learn, connect, and grow alongside serious investors. Seats are limited. Register on Eventbrite to secure your spot. We look forward to seeing you there! **[https://www.eventbrite.com/e/1986094954473](https://www.eventbrite.com/e/1986094954473 "https://www.eventbrite.com/e/1986094954473")**

**Hosted by Unity of Columbus \| Facilitated by Carisa Holmes\, EFT Practitioner** Join us for a powerful and uplifting workshop where you’ll be introduced to **Emotional Freedom Techniques (EFT), also known as tapping**—a simple, effective method that helps release stress, calm the mind, and restore emotional balance. In today’s fast-paced world, many of us carry tension, anxiety, and emotional blocks that impact our well-being. This interactive session will guide you through practical techniques you can use anytime to create a sense of peace and clarity.

Short North Street Skates return Saturday, April 4 and we’re excited to get back rolling together. These weekly rollouts are a chance to move through the city as a group, build community, and create more visibility for skating and small-wheeled movement in Columbus. Details: Meet: 1160 N High St 9:30 AM meet 10:00 AM rollout All wheels welcome We’ll be skating through the Short North and surrounding areas at a steady, social pace. Routes will use a mix of streets and bike lanes, so comfort navigating the city is helpful, but you don’t need to be an expert. If you’ve been meaning to come out, this is a great place to start. Come solo or bring a friend!

**Welcome to the Women’s Columbus Bogleheads® Sub-Group** This sub-group is for **women who want to learn and discuss finances in a safe, supportive space**. For those interested in moving towards financial independence and retirement by learning investment basics, choosing your 401(k) investments, minimizing taxes, and more. We’re a local chapter of **Bogleheads®**, following a long-term, practical investment philosophy: [Investment Philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy): https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [Bogleheads Forum](https://www.bogleheads.org/index.php): https://www.bogleheads.org/index.php No question is too small, and no experience is too simple. Share, ask, and learn — at your own pace, without judgment, in a group of like-minded women. Let’s build confidence and knowledge **together**!

Jimmy V's Grill & Pub in Grandview Heights. We meet in the bar in the room on the right (the cigar shop). You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room. This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us. COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant. *** Did you know that there are atheists everywhere?!?! You may not know it, but we are! We're in your schools, diners, police force, military, government, and some are even still in your churches! So come and join us and meet other local atheists, along with agnostics, heathens, humanists, skeptics, and anyone else who's 'hell bound'! Vision: a Central Ohio that accepts atheism as a viable alternative in all areas of public and private life. Mission: grow, support, and provide community for atheists in Central Ohio. Social meetings held most Tuesdays at a local pub/restaurant at 7:00 PM (and often into the wee hours). Attendees call themselves agnostics, skeptics, humanists, non-theists, deists or even theists. All attendees are welcome but should support our vision. Atheists of Columbus (AoC) is part of Omnipresent Atheists (OA). AoC members are invited to join this OA meetup and/or OA Facebook group ( https://www.facebook.com/groups/omnipresentatheists/ ) but are free to continue conversations on the AoC Facebook group ( https://www.facebook.com/groups/columbusatheists/ ). AoC was founded in 2012 as a networking, social group for Central Ohio area humanists, skeptics, atheists, agnostics, nonbelievers, freethinkers, and the curious. It was a member of Columbus CoR and held weekly meetings, mostly on Fridays, for several years but then operated as an online only group for some time. In November 2018, Omnipresent Atheists (OA), a group that routinely meets on Tuesdays, invited AoC to merge. Omnipresent Atheists is a member of the Columbus Coalition of Reason (ColumbusCoR.org). Omnipresent Atheists is a member of the Columbus Coalition of Reason ( http://www.ColumbusCoR.org ). Omnipresent Atheists endorses the mission of the Secular Coalition for America ( http://secular.org ).

Join us for one of our favorite hikes this Tuesday (4/21/26) at 6:30 pm as we hike the Hoover Dam Scenic Trail, starting at the west end of the dam. This hike includes some paved paths/roads along with some dirt trails, with a few beautiful views of the reservoir. Join us for this 2 mile hike, finding us in the parking lot at the corner of Sunbury and Smoke Burr.

Jimmy V's Grill & Pub in Grandview Heights. You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room. This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us. COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant.

If you are interested in selecting investment choices for your 401(k) or other workplace savings plan, minimizing your income tax liability, or identifying the most effective investments for your brokerage account, we are the group for you. We are a local chapter of Bogleheads, whose investment strategy can be found here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Or you can peruse the Boglehead forum here: https://www.bogleheads.org/index.php I look forward to seeing you there. Mark Vonder Haar