Mortgage Notes

Hi ladies. We will be walking the 4 mile paved loop. Meet in the Maple Grove Picnic area.

Connected Westerville Night of Networking flips the script on networking, with surprises and connections that'll make you say, "Who knew networking could be this much fun?!"

Join us for an interactive Bombay Gin Cocktail Class at TownHall — a fun, social experience designed to bring people together over great drinks, great food, and great conversation. During the class, you’ll learn how to craft several different Bombay Gin cocktails, guided by a master mixologist in a relaxed, high-energy setting. This isn’t a lecture — it’s hands-on, engaging, and built to spark connection, laughter, and good vibes. Whether you come solo or with friends, this experience makes it easy to meet people, enjoy expertly crafted cocktails, and unwind mid-week. ✨ What’s Included (A Ton 😁) • Multiple Bombay Gin cocktails • Interactive cocktail instruction • Food & appetizers sponsored by TownHall • A lively, social atmosphere 🍸 Sponsored by Bombay Gin 🍽 Food & appetizers sponsored by TownHall Must be 21+ to attend $20 fee per person 

Join us for an hour of writing! We’ve discovered that it’s strikingly helpful to write with other writers. See if it’s true for you at 7:00pm on Wednesday, February 11 at Streetlight Guild. Be it a book, blog, script, essay, dissertation, resume, melody, poem or just plain work stuff, you are invited to write it with us. No one will see what you've written or give you unsolicited advice. Instead of just thinking about writing, come and get some real writing done. **SCHEDULE:** 6:45ish - Quick introductions 7:00 - Timer starts: write for 1 hour 8:00 - The End **OPTIONAL SOCIALIZING** happens before and after the writing hour. Writing is very solitary. Connecting (and sometimes even commiserating) with other writers is a cool thing. **BEING LATE IS OKAY:** just show up and get settled! If you were on time, please be willing to make room for the friendly latecomer. Happy writing & I look forward to seeing you at Streetlight Guild! **WHAT SHOULD I BRING?** Whatever you need to be able to write! You're welcome to bring earplugs/headphones if noise will bother you! **OTHER IMPORTANT DETAILS:** * **RSVP:** Please RSVP by 6:00pm the evening of the meeting. This helps me know how many to expect, and if we'll need additional space! * **COVID:** While masks are not required, please be mindful of the other writers around you and their comfort levels. * **WIFI/OUTLETS:** Outlets are limited, so please ensure your devices are charged when you come! But Streetlight Guild does have free WiFi! Yay! * **PARKING:** There is free public parking at Streetlight Guild.

How do we recover from having had a toxic or narcissistic ex? How do we move on from the past, especially something as traumatic as a divorce or breakup? How do we avoid anxiety and depression? How do we have more self esteem? In this meeting, you will learn the mental health secrets to help you quickly get over the past and heal your mind. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. This group is created by the Dianetics & Scientology life improvement center.

A quiet writing and sharing space, Queer Quills features some prompts, supplies and friendly faces to help get some inspiration or feedback for your writing. Hope to see you there!

Please Join Us For The Winter Session Of Family-to-Family Winter session of F2F dates are Feb 12 – Apr 3 [https://namifranklincounty.org/family-to-family/](https://namifranklincounty.org/family-to-family/).

**Important note about the retirement of the OWASP Meetup platform** Fellow OWASP Toronto members, We are making an important announcement regarding an upcoming transition. The OWASP Foundation has announced that they will be retiring their Meetup Pro subscription effective January 31, 2026: https://owasp.org/blog/2026/01/13/retiring-meetup.html This means that our OWASP Toronto Meetup group may be removed in the coming days. We understand this may be short notice, so we want to make this announcement before we lose access. You are an important part of our chapter community. Many attendees I have spoken to have discovered OWASP Toronto via Meetup. To continue engaging with the community while using a platform that enables discoverability, we will moving to the [Evenbrite](https://owasp-toronto-chapter.eventbrite.com/) for publishing our events. You can continue to follow us via our [Google Group mailing list](https://groups.google.com/a/owasp.org/g/toronto-chapter), our [Chapter page](https://owasp.org/www-chapter-toronto/), our [LinkedIn group](https://www.linkedin.com/showcase/owasp-toronto-chapter/), our [YouTube channel](https://www.youtube.com/channel/UCqmBl-u_4cOEiH3OXWE3sPg), our Slack channel ([#owasp-toronto-chapter](https://owasp.slack.com/archives/C075DRCB1PZ), does not require an OWASP membership), as well as on our new [Discord channel](https://discord.gg/eg3upJ6N). Please see below for details of our February 12 event. Visit our [Eventbrite](https://www.eventbrite.ca/e/owasp-toronto-february-2026-tickets-1982057078076) page for more information! \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* **Dual Talk Event: Raising Cyber Awareness Through Electronic Word of Mouth \| When AI Becomes Application Logic: Securing Shadow AI** Presentation #1: Raising Cybersecurity Awareness Through Electronic Word of Mouth: A Data-Driven Assessment Awareness of the many cybersecurity threats, vulnerabilities, and solutions to mitigate these threats/vulnerabilities is instrumental in improving basic cybersecurity behaviours. A healthy body of knowledge has been devoted to exploring how to better increase awareness, in any given topic, among members of the general public which have explored the role of word of mouth (WOM) and electronic word of mouth (eWOM) in spreading awareness. In recent years, the rise of social media platforms as an alternative communication channel has created efforts to promote cybersecurity awareness online regarding the numerous cybersecurity threats. However, little research attention has been devoted to exploring eWOM communication on social media surrounding cybersecurity awareness. Moreover, no research to date has considered the impact of the COVID-19 pandemic on these eWOM discussions related to cybersecurity awareness. To address these literature gaps, this research collected 227, 270 relevant tweets surrounding cybersecurity awareness from 2018 to 2022 conducting an exploratory analysis of the corpus using social network analyses, topic modelling and semantic similarity analysis. The results found topics rose in prominence and then dissipated as newer topics emerged while information was found to spread incredibly far despite a high degree of community forming, suggesting the online discourse is very open and evolving over time. These findings illustrate the potential of social media as an effective tool for raising cybersecurity awareness. The impact of COVID-19 observed an increase in the reach of information in addition to new specific topics emerging in the discourse, but the effects appear to be temporary. Speaker: Dane Vanderkooi Dane Vanderkooi is a fifth-year Doctoral Candidate in management science at TorontoMet University who specializes in researching cybersecurity and digital privacy behaviours. He completed his bachelor's of commerce at Uottawa and holds a master's in management science degree from Ryerson University. Dane has published his research in academic journals, conferences and industry reports. Dane has also presented his research at various conferences including HC2P, SERENE-RISC, HCII, CyberToronto, ASAC and SocialMedia+Society, AMCIS, and ICIS. Dane is certified in cybersecurity (CC) from ISC2 and has practical experience working in the field of cybersecurity with private industry, non-for-profits, and the public sector including the Canadian Armed Forces, Public Health and Safety Canada, Justice Canada, Innovation Science and Economic Development (ISED), Bell, BMO, Desjardins, Ritchie Bros and Achev. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Presentation #2: When AI Becomes Application Logic: Securing Shadow AI AI is entering production faster than security teams can see it. From “simple” chatbot integrations to LLMs wired directly into business logic — and agents running entire application flows — organizations are accumulating Shadow AI: untracked, ungoverned, and often dangerously over-privileged. This talk shows how AI quietly changes application behavior at runtime: expanding trust boundaries, introducing non-deterministic authorization paths, and creating blast radiuses that static inventories and policy checklists cannot capture. Using real-world architectural patterns and runtime signals, we’ll demonstrate how security teams can identify where AI is actually used, what it can access, and how attackers abuse AI-driven logic to exploit new classes of vulnerabilities. Attendees will leave with a practical framework for securing AI-powered applications — grounded in runtime behavior and evidence, not assumptions. Speaker: Daniel Shechter Daniel Shechter is the CEO and Co-Founder of Miggo, an Application Detection and Response platform. Shechter has an impressive background in both threat intelligence and within the security industry. Before founding Miggo he was leading cyber security teams in Israel's elite cyber intelligence division, Unit 8200. He later joined McKinsey, a strategy and management consulting company, where he provided guidance on acquisition, developing new business strategies and more. Shechter is an industry expert in security, incident detection and response, threat intelligence, and attack observability.

If you would like to participate in a fun gift exchange please bring a wrapped $5 sweet treat 😋

#### Turning Rentals Into Income: How Investors Pay Off Properties Faster #### **Featuring Guest Speaker: John Blackburn** **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** #### A lot of people get into real estate because they want freedom. Then they buy a rental…and realize most of the rent goes straight to the bank. They technically own property, but the mortgage controls the income. And waiting 30 years for properties to be paid off doesn’t feel realistic. This meetup is about understanding a different way to think about rental properties… one that focuses on paying them off sooner so the income is actually usable. **Featured Guest Speaker: John Blackburn** We’re excited to welcome John Blackburn as our guest speaker for this event. John has been actively investing in real estate since 2006 and has: * Been involved in **5,000+ real estate transactions** * Helped investors **acquire over $150 million in rental property** * **Raised more than $100 million** in private capital John didn’t start with family money or shortcuts. He built his portfolio by focusing on clear systems, real numbers, and long-term strategy. For this meetup, John will walk through how investors shift their focus from simply owning rentals to building properties that eventually pay them…without a mortgage attached. **What You’ll Learn** John will break down, in simple terms: * Why most rental properties don’t produce much usable income early on * Why buying more rentals isn’t always the answer * How investors structure their properties to pay off mortgages in a fraction of the time * How properties can work together to eliminate debt faster * What changes once rentals become free and clear This approach is often referred to as an accelerated paydown strategy — using rental income intentionally to reduce debt sooner, rather than waiting decades for mortgages to run their course. John will also share a simple calculator you can use to see how this works with real numbers and realistic scenarios. **The Core Idea** When a rental has a mortgage, the rent has one job: **pay the bank.** When a rental is paid off, the rent has a different job: **pay you.** Most people only see one timeline…30 years. This session shows how investors shorten that timeline and gradually increase their income as properties become free and clear. **Who This Event Is For** This event is for people who want more than just “owning rentals” on paper. * Rental owners who are tired of most of the rent going to the bank and want a clearer path to real, usable income * New investors who want to understand how rental properties actually build wealth over time before jumping in * People with capital who want to invest in real estate with intention and a long-term plan * Anyone serious about freedom and curious how rental properties transition from debt-heavy assets into income-producing ones **Event Details** **Location:** Ohio Brewing Company - 421 E 2nd Ave, Columbus, OH 43201 **Date & Time:** January 25th, 6–8 PM (Doors open at 5:30) **Cost:** Free (Seats are limited - RSVP required) **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** If you’ve ever wondered how rental properties actually turn into freedom —this is the room to be in.

# **Band: Old Possum's Menagerie; Caller: Richard Ades** Beginner lesson at 1:30, regular dancing begins at 2:00 pm NOTE THAT WE ARE TEMPORARILY DANCING IN THE AFTERNOON INSTEAD OF EVENING. Dance with us in the afternoon then you can still go out in the evening! **Sponsor: All Soles Contra and Square Dancing, First Unitarian Universalist Church, 93 W. Weisheimer Rd., Columbus OH 43214** WHAT IS CONTRA DANCING? Picture the Grand Ball scenes like you’ve seen in period films such as “Pride and Prejudice”, where the dancers are lined up in long lines, across from each other. That’s English Country Dancing, the predecessor of contra dancing. Now, add moves like “swing your partner” and “do-si-do,” like you’ve seen in square dancing. Set it to fabulous, high energy, live music with fiddles, guitars, percussion and more, alá “Riverdance.” Finally, set the whole scene down in the middle of Woodstock, with a hip, groovy atmosphere, a bit of tie-dye, and hints of counter-culture attitude. THAT’s Contra Dancing! Wear cool and comfortable clothes (you will get warm) and clean shoes that won't mark up our nice wood floor. Be sure to come for the beginner's lesson from 1:30 - 2:00, followed by dancing 2:00 - 430. All dances are taught; we will help you learn! Beginners always welcome, no need to bring a partner. Cost is $10.00 adults, $5.00 ages 12-26. Under 12 free. Free parking in church lot. Please bring your own refillable water bottle.

This is not just a money class. This is a restoration space. The I AM Worthy of Ownership™ Path is a 12-step, sister-centered journey for women who are ready to build financial stability without shame, fear, or pressure—and to do it in a way that honors both wisdom and the spirit. Many women don’t struggle with money because they lack discipline or intelligence. They struggle because of unhealed experiences, survival patterns, and the quiet belief that they are “behind” or “disqualified.” This series gently challenges those beliefs while offering practical tools for peace, clarity, and long-term planning. Together, we will talk honestly about: Releasing shame and money anxiety Building stability as a form of self-respect and spiritual discipline Understanding money as a tool, not a source of worth Managing debt with clarity instead of condemnation Preparing for life’s unexpected moments without fear Laying a calm foundation for future ownership and legacy Each session blends practical financial education with reflection, conversation, and encouragement. There is no pressure to share personal numbers or experiences. You are welcome to speak, journal quietly, or simply listen. This is not about hustle. This is not about perfection. This is about alignment, wisdom, and peace. Who this series is for: Women who are starting over or rebuilding Women who want stability without stress Women preparing for future ownership or housing decisions Women who want their financial lives to reflect wholeness, not fear No prior financial knowledge is required. Come as you are. Bring a notebook. Leave a little lighter than you arrived. Light refreshments will be served along with 30 minutes of networking.

Bring your business cards and network in person with other business professionals! Gold Star Referral Clubs is one of the most established professional networking organizations in the country, with multiple groups in central Ohio. Join us!

12;45-3:45 in Conference Room A, Library lower level. Bring your yarn projects, meet new friends. If you plan to attend, please RSVP yes. If you can’t attend, please change your RSVP to no. This helps anyone who is waitlisted and it allows me to have an accurate count of attendees as our space is quite limited. Plenty of parking in the lot, in the overflow lot across the street, and on the street. See you there! Winter Note: If the weather is bad and I have to cancel the Meetup, i will issue the cancellation not later than 10:00 a.m. of that day.

Meet at Wolfe Park parking lot by tennis courts. We willl walk along Alum Creek trail, through Jeffrey Mansion Park then along Bexley neighborhood and back. Optional lunch at Trolley District.