Mortgage Education

Welcome all beautiful Bitcoin curious or serious women. We will have a discussion on Fiat vs Bitcoin, a little bit of learning and discussions that are important to the group. This a social group so bring your questions and curiosity, prepared to listen and share. Too often, women are left out of the conversation while they prepare to live longer, care for more people and are the heart of any community. Wouldn't it be great if we could be more educated on ways to beat inflation, have more choices, and be prepared for the changes to come? Please bring your questions, so that we can plan topics for future meet-ups.

Holy Cross-Words Toastmasters Club (http://1341379.toastmastersclubs.org/) open to all. The club meets 2nd and 4th Tuesday of each month at 5:30pm in the Professional and Community Education Center (PCEC). The PCEC is located on the first floor of Holy Cross Hospital, 1500 Forest Glen Rd, Silver Spring, MD 20910

learn more about the HPAP Down Payment Assistance Program \- Get up to $202\,000 in funds from the House Assistance Purchase Program \- Learn what the funds can go towards and the timeline to get approved \- Understand how to sign up for HPAP orientation \- Learn the benefits and challenges of HPAP in detail \- Discuss the current market conditions for HPAP buyers\.

Every Tuesday at 5pm! RSVP at the following link to receive login details: https://www.enggarcia.com/hbstuesday/ * The Districts Best first time home buyer webinar * Learn about the home buying process * How to qualify & what loans are available * Qualifying for DC Open Doors and other programs * Reduced down payment and closing cost opportunities We're looking forward to seeing you soon!

Please join and other invited speakers to hear a presentation on investing basics. Topics to be discussed will include an overview of asset allocation, diversification, market volatility, tax efficient accounts, and general income strategies. Refreshments and Hors D’oeuvres will be served. Seating is limited and available on a first-come, first-serve basis. To reserve your spot, please RSVP today to your financial advisor. We look forward to seeing you!

Montgomery County MD Real Estate Investors, Agents and Professionals! We just launched a Cash-Flow Breakfast Club for your area! This is the most unique real estate investor club, education, networking and mastermind event in the US! **Join us for our official launch event for Montgomery County MD on February 26.** **This is a 12 part education series with new topics every month. This event is session 10 of 12!** **This event is free but has very limited seating and we are limited to the first 50 to RSVP! Join us and become a founding member of this amazing community!** *(it is ok to attend even if you missed previous sessions. Each session has stand alone topics. You can also attend other near by locations to get caught up on sessions that you have missed.)* **Very limited seating. In-person only.** **Make sure to RSVP today to reserve your spot.** **When: February 26, 2026 @ 5:30pm - 8:30pm EST** **Where: Twinbrook Library** **202 Meadow Hall Dr, Rockville, MD 20851** The Cash-Flow Breakfast Club is NOT just a meet up. It’s the most unique Real Estate Investor Community of Mentors, Coaches & Masterminds. A community of growth oriented, abundance mindset, go-giver individuals with a BARE MINIMUM commitment to become financially free through real estate investing. We focus on providing education and building networks to help every member solve their cash-flow freedom equation, so they can have the time-freedom needed to follow their passions, make a lasting impact and even change the world! The unique format of this event, which consists of high-level education, gamified networking, mastermind breakout sessions, case studies, group deal analysis, market deep dives, and peer-to-peer coaching facilitation makes this the most impactful local real estate investor group a real estate investor can be a part of. The foundation of the group is built around the belief that everyone in the room has the potential to change the world… however most of us never have the time, energy or financial situation to even dare to dream big enough. Most of us have passions that will never be followed, amazing businesses or ideas that will never be pursued… unless we can solve the Cash-Flow Freedom Equation, which ultimately leads to Time-Freedom. Once that happens it is usually much easier for us to think bigger, dream bigger, be bigger. · Learn more about the Cash-Flow Breakfast Club [HERE](https://cashflowbreakfastclub.com/) · Get in the VIP List to be notified about the next event in your area [HERE](https://the.cashflowbreakfastclub.com/VIP) · Learn more about Launching your own Cash-Flow Breakfast Club Location [HERE](https://cashflowbreakfastclub.com/launch-your-own-club/) · Learn more about becoming an Affiliate-Sponsor at one of our club locations [HERE](https://cashflowbreakfastclub.com/affiliate-sponsors/) · View photos and videos of some of our recent events [HERE](https://cashflowbreakfastclub.com/about-the-cash-flow-breakfast-club/) · Looking to represent? Browse Cash-Flow Breakfast Club apparel and fly swag [HERE](https://cashflowbreakfastclub.com/shop/)

Come learn how money really works. We’ll cover how to grow it, protect it, get out of debt, and use smart retirement and infinite banking strategies to build long-term security.

Join ProductTank Wilmington for an engaging discussion on Product Management across different domains including, but not limited to AI, FinTech, and Healthcare. Whether you're a seasoned product manager or just starting out in the field, this gathering is a fantastic space to learn from the best in the industry and network with like-minded professionals. **NOTE: This is an open invitation to join ProductTank Wilmington and not an event.**

Learn more about our Home Buyer Program * get up to $202k in down payment assistance through HPAP * get up to $25K in grants from Maryland Mortgage Program * downpayment assistance options through DC Open Doors * how to qualify and what loans are available * loan application and approval process * repeat home buyer options * purchase price limits * market insight and home buying steps in a competitive market SIGN UP AT THE LINK BELOW: [https://www.enggarcia.com/egpwebinars/](https://www.google.com/url?q=https://www.enggarcia.com/egpwebinars/&sa=D&source=calendar&ust=1705256818169980&usg=AOvVaw0qgqMgQjduPHADDDggU6H6)

Please join the [Veg Society of DC](vsdc.org) Animal Rights Discussion and Education Group for another great discussion. We are excited to round out our discussion about theories of change in the animals rights movement with a speaker who has been leading the charge on the ballot initiative to prohibit the sale of foie gras in D.C. We will have a chance to apply theory to practice by understanding how this and other ballot initiatives can create change for animals. Please join us for what we hope will be an inspiring and interesting discussion! We will grab a bite to eat at a DC Vegan afterwards. *What is the Animal Rights Discussion and Education Group?* If you’ve been looking for a way to educate yourself on animal rights and issues affecting animals in our world today with the support of a like-minded community, then this group is for you. The VSDC Animal Rights Discussion and Education Group will discuss thoughts, questions, concerns, and news related to animal rights. It seeks to provide a safe space for discussions around issues affecting captive animals, farmed animals, animals used in research, wild animals, companion animals, and more. All are welcome, from those well-versed in animal rights philosophy and issues to those who are just starting off on their journey and are curious to learn more. Please come with an open mind, an open heart, and a willingness to engage with diverse opinions with curiosity and respect. The plan is for the group to meet every month, alternating between Zoom and in person. The topic of each meeting and any accompanying materials will be planned in advance and posted in event announcements via this VSDC meetup group. Participants are encouraged to offer topic ideas and materials for discussion at subsequent meetings. **Date / Time:** Saturday, February 28th, from 4:15 to 5:45 pm (followed by dinner) **Location:** Pea Street Yoga (just above DC Vegan) *Email 'ARdiscuss@vsdc.org' for further information.* **VSDC: More Than A Meetup** We are delighted to have you as part of The Veg Society of DC Vegan Meetup group, and we look forward to seeing you at our events. Did you know that [VSDC](https://vsdc.org/%20) is a nonprofit organization with membership benefits? With VSDC membership, you will save money at area restaurants and businesses, attend VSDC member-only events, and, most importantly, support us as a clear and consistent voice for improving the lives of all beings through community building and education centered on the benefits of a vegan diet and lifestyle. The membership fee is minimal, but the impact is significant! [Join today](https://vsdc.org/membership/)! **Ways to Stay In Touch with Us** Thank you for being part of our Meetup presence and bringing like-minded people together. We invite you to: * Become a [VSDC member](https://vsdc.org/membership/) to save money at area restaurants and support us in being a clear and consistent voice for improving the lives of all beings through community building and education centered on the benefits of a vegan diet and lifestyle. * Sign up for our[ monthly e-newsletter](https://vsdc.org/about/newsletter/) to hear more about our activities. * Follow us on [Instagram](https://www.instagram.com/vegsocietydc/) or [Facebook](https://www.facebook.com/vegsocietydc/) to engage with us. **Interested in Volunteering with VSDC?** VSDC offers many events each month, thanks to the dedication of our event planning team. Would you consider volunteering? To learn more and get started, [please visit our website](https://vsdc.org/volunteer/). **Only Vegan Food, Please** While VSDC welcomes people wherever they are on the path to an all-plant, vegan diet and lifestyle, it is our policy that only vegan food be served and consumed at our events. If you would like to [explore a vegan diet or get support in making lifestyle changes, consider these resources](https://vsdc.org/exploringvegan/). **Liability Waiver and Code of Conduct** When you sign up to attend, you automatically acknowledge [VSDC's Liability Waiver](https://vsdc.org/activity-waiver/) and commit to follow the code of conduct found at [Policies - VSDC - Veg Society of DC](https://vsdc.org/policies/). **VSDC. Creating communities. For your health, the animals, and the planet.**

Join us for Career Night to learn how our agency works, what we do, and how you can earn part-time or full-time income helping families with financial literacy and protection.

The Capital City REIA Revolution is here! We TOUCH, MOTIVATE & INSPIRE ALL Real Estate Investors in the DMV and Baltimore metro area. With FUN, Laughter, Today's Hottest Education, The Area's Best Networking, "LIVE Hands-On Events," Local Subject Matter Experts, National Speakers, an interactive and engaging website, member discounts, resources and all the tools you need to create true financial independence as a Real Estate Investor. Capital City REIA is about setting you FREE to live the Life of Your Dreams! Capital City REIA is where LOVE, WEALTH & FREEDOM AWAITS YOU! Join the Revolution Today! Main Monthly Events are 100% FREE and are held in Hampton Inn 5821 Richmond Highway, Alexandria, VA Doors Open 6 pm Networking 6 - 7 pm Presentation 7 - 9 pm Night Owls Networking 10 - late... WE LOOK FORWARD TO MEETING YOU! Cheers to You and Your Success... - Tammy and team ccREIA

#### 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.

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

The Humanist Monthly Program is our longest running event and still a community favorite. In the old days it used to be called "Going to HCCO" and we still like to think of it as our flagship event. Food and drinks will be provided at the event. Feel free to show up a little bit early to hang out and talk. Our March speakers are Molly Gaines and Zack Parrish, co-organizers of the Secular Education Association: They will share their story of how a small group of Ohio parents grew into a national organization tracking released-time religious instruction and other church–state issues in public schools. The presentation will cover SEA’s early wins and hard lessons, what we’re seeing nationally right now, and how local advocates can play a meaningful role in protecting public education. Attendees will leave with a clearer understanding of the landscape — and practical ways to get involved. Going forward our meetings will be hybrid. You can meet us in-person or attend online Join Zoom Meeting [https://us02web.zoom.us/j/87836564953?pwd=4Mi57ElZkDIFlb1fnlNwOJ0NiOK4tP.1](https://us02web.zoom.us/j/87836564953?pwd=4Mi57ElZkDIFlb1fnlNwOJ0NiOK4tP.1) Meeting ID: 878 3656 4953 Passcode: 760812 One tap mobile +19292056099,,87836564953#,,,,\*760812# US (New York) +13017158592,,87836564953#,,,,\*760812# US (Washington DC) The formal presentation will start at noon

**\*\*\*\* More details and sign up at: https://aifalliance.org/summit-2026/ \*\*\*\*** **What is AI Freedom Alliance?** AI Freedom Alliance promotes the responsible growth of AI guided by practical, commonsense ethics. Our nonprofit is built by professionals from a wide range of industries and is made up entirely of small- and mediumbusiness representatives—never large tech companies. We provide a counterbalance to big corporate influence, focusing instead on how AI can benefit businesses and the world at large. **What’s Happening?** ***The inaugural AI Freedom Alliance Summit.*** This full-day event will explore how we can ensure AI is adopted responsibly through shared ethical standards that empower humanity. The summit will feature interactive and educational sessions led by thought leaders, technologists, policymakers, and advocates who are passionate about making AI fair, transparent, and beneficial for everyone. **Why Attend?** Learn about the legal and technical challenges with implementing AI solutions within your organization. Build better solutions while protecting your organization from legal and compliance risks. And learn how to think strategically about AI as a differentiation tool for your business. This summit is highly recommended for C-Suite leaders to learn as well as interact with each other and our sponsors.

Have a small business? Ever wish you could just ask some questions around how to grow your business, get more customers or just know what the freak you are doing with sales? Now is your chance!! Every month we are hosting the "Ask an Expert" at the Columbus Metro Library, Main campus. I will be there to answer your Sales related questions. Drop-in for sales coaching designed to help small business owners, entrepreneurs, and sales professionals sharpen their sales approach. Whether you have questions on how to refine your pitch, are looking to close deals more quickly, or are working on building better client relationships, Smashing Your Sales Goals Coaches are here to help. Drop-in to get expert insights, actionable strategies and real-time solutions to grow your business and generate higher profits. Drop-In Sales Coaching is FREE + OPEN to the public. No appointment needed. First come, first served. EPIC Learning created. Accelerate Columbus supported.