Mortgage Education

North Bethesda Fiction Readers, put your hold on this book NOW if you get your books from a public library. It's still in demand. It was a finalist for the National Book Critics Award for Fiction in 2023. The novel tells the story of a single house in New England over centuries. While on its face, it is a work of historical fiction, [Kirkus Reviews](https://www.kirkusreviews.com/book-reviews/daniel-mason/north-woods-mason/) calls it "magical." We will meet in the common area of a condominium association that is called The Gallery at White Flint. The organizer will greet everyone at the entrance. If the seating at the fireplace across from the main entrance is not appealing, we will convene in the organizer's unit. Look for a message a week before the date of discussion for more details on how to find us. There is metered parking across the street. Because February 16 is a national holiday, you don't have to feed the meter.

[Profs and Pints DC](https://www.profsandpints.com/washingtondc) presents: **“George Washington Never Declared Independence,”** an exploration of our first president’s evolving American identity, with Denver Brunsman, associate professor of history at George Washington University and scholar of the American Revolution and early American republic. [Advance tickets: $13.50 plus sales tax and processing fees. Available at [https://www.ticketleap.events/tickets/profsandpints/dc-washington-never](https://www.ticketleap.events/tickets/profsandpints/dc-washington-never) .] With our nation’s 250th anniversary approaching, it’s time for a fresh assessment of one of the key figures who got the ball rolling. Trace the unconventional steps that George Washington took in embracing American citizenship, separate from his status as a British colonial subject, with historian Denver Brunsman, a Profs and Pints fan favorite and the author of the forthcoming book *George Washington and His World: Enslaver, Revolutionary, President.* It will be the ninth time Professor Brunsman has given an annual talk tied to Presidents’ Day and George Washington’s Birthday, and each has been a blast, featuring odes to America’s first president and ending in historic toasts. You’ll learn how George Washington missed the fiery debates that marked the political process culminating in Congress approving independence on July 2, 1776, and the Declaration of Independence two days later. That’s because he had been leading the Continental Army against British forces for the past year. As a result, Washington never signed the Declaration or, for that matter, formally declared independence. Instead, Washington had followed a more evolutionary path to an American identity. The process began during the Seven Years’ War from 1756 to 1763 and continued during the Imperial Crisis of the 1760s and 1770s, when he traded tobacco for wheat as the primary cash crop at Mount Vernon. It crystalized in his command of American forces. The upshot was that Washington embraced a separate American identity months, even years, before most of his fellow revolutionaries. You’ll embrace learning history after hearing Denver Brunsman discuss this founding father’s fight for freedom. (Door: $17, or $15 with a student ID. Listed time is for doors. The talk starts 30 minutes later.) Image: “Washington Taking Command of the American Army–At Cambridge, Massachusetts, July 3rd, 1775,” an 1876 Currier & Ives lithograph (Metropolitan Museum of Art).

Are you looking for yoga to jump start your day? Please join us on Monday and Wednesday mornings to kickoff your day of events. **Please reserve your spot at www.piesfitnessyoga.com**. The session is offered InStudio and OnLine. The Zoom link for the OnLine session will be emailed 15 minutes before class starts to those who are registered at www.piesfitnessyoga.com. **Sign up for sessions must be made at least 2 hours prior to class.** The address is 1322 Prince St. Alexandria, VA 22314 Our entrance is located on the side of the building, parallel to West St. **Street parking is available and additional parking is located at Shiloh Baptist church, spaces 36, 37, 38, 39.** The church is located across the street from the studio, on the corner of Duke St. and West St. Discount is available to seniors, teachers, students, emergency responders, and military. All can save by purchasing class packs.

Do you find yourself showing up in meditation sessions wondering why your mind won’t settle down?Are you trying to figure out why your body seems to become so uncomfortable in meditation sessions? Join Marsha, non-conventional meditator, certified yoga therapist, trauma sensitive yoga facilitator, and energy and sound healing facilitator, as we show up and unpack ways of meditating that uniquely resonate with you. Whether you find comfort in standing, sitting in a chair or on a yoga mat, or lying on the floor, eyes open or closed, you are welcome to show up just as you are, as we seek peace through movement and compassionate sharing experiences, while embodying the physical, intellectual, emotional, and spiritual benefits of meditation, energy + sound healing, and yoga therapy. **Please reserve your spot at www.piesfitnessyoga.com**. The session is offered both InStudio and OnLine. The Zoom link for the OnLine session will be emailed 15 minutes before class starts to those who are registered at www.piesfitnessyoga.com. **Sign up for sessions must be made at least 2 hours prior to class.** The address is 1322 Prince St Alexandria, VA 22314. Our entrance is located on the side of the building, parallel to West St. **Street parking is available and additional parking is located at Shiloh Baptist church, spaces 36,37,38,39.** The church is located across the street from the studio, on the corner of Duke St. and West St. Discount is available to seniors, teachers, students, emergency responders, and military. All can save by purchasing class packs.

*6:00 - 7:30 PM EST Followed by slow session from 7:45 - 8:45 pm* Ever wanted to learn a Celtic tune? This is your chance! Celtic cellist Ellen Gira leads a monthly intro to Celtic repertoire class where students learn a groovy Celtic tune and create a fun arrangement as a group. This class will also offer ideas to take your playing further, including ornamentation and Celtic jamming skills. All instruments are welcome. Cost is $30. Afterwards, Ellen hosts a **Free Celtic Slow Session** that is open to players of all levels and all instruments. These classes and sessions will help prepare you to join the DMV’s thriving Celtic music community and play in sessions anywhere in the world! This class is open to middle school age students and above, who are able to play chords and/or basic melodies as appropriate for their instrument. Students under the age of 12, or who have questions about whether their skill level or instrument is appropriate for the class, should contact SMT prior to registration. Sheet music is provided and added to Ellen’s growing tune book: [Celtic Slow Session Tunes](https://drive.google.com/drive/folders/101oWUnaTqOOdrrqjQnTEL8lK34dVIyTh?usp=sharing) *Jam Content/Repertoire examples:* * Jimmy Ward's (Irish Jig) * *Lochaber Badger (Scottish)* * *Mairi's Wedding (Scottish tune)* * *The Silver Spear (Irish reel)* * *Lisnagun (Irish jig)* * *Wild Mountain Thyme (Scots/Irish song)* $30 Register Here: https://checkout.square.site/buy/T4Q2LUUYFIHVTLLFWFSSQX2O See what else is going on: https://schoolofmusicaltraditions.com/classes-workshops

**Details** Calling all Arlington VA Real Estate Investors, Agents and Professionals! Join the most unique real estate investor club, education, networking and mastermind event in the US! The Cash-Flow Breakfast Club is nationwide but was founded right here in your back yard! **This is a 12 part education series with new topics every month. This event is session 11 of 12!** **This event is free but has very limited seating and we are limited to the first 100 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 18, 2026 @ 5:45pm-8:30pm EST** Where: **4720A Langston Blvd. Arlington, VA 22207 (Samson Properties)** **Important Note:** * Street parking is available. * Doors lock at 6:00 PM. * If you arrive late and find the doors locked, please call: * Shawn Barsness: 828-506-0487 * Ana Bialek: 703-499-0535 * We will also place signs outside to guide you if the doors are locked. 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/)

🇺🇸 **Attention Active Military & Veterans Unlock Your VA Homebuyer Benefits!** 🏡✨ Ready to take the leap into homeownership? Now's the perfect time to dive into your VA benefits and capitalize on the current market! Join our In Person Heroes MeetUp Wednesday at 6 PM for an exciting and informative masterclass designed just for you. What You'll Discover: 🔑 **How to purchase a home with Zero Down VA Loan** 🎯 **Insights on Seller Paid Closing Costs, Concessions and Interest Rate Buy Down** 💸 **Our exclusive Heroes Star Nationwide Program** 🏠 **Using your BAH to qualify for your dream home** ❓ **What a VA No-No is and why it matters** 🚚 **Our Nationwide Relocation Service tailored for Heroes** This FREE Masterclass is proudly sponsored & presented by Heroes Star a nationwide program dedicated to providing Resources, Education, and Savings to all Heroes. 🎖️❤️In-Person VA Homebuyer Masterclass With an Online Option Available. **Agenda** · **5:30pm Registration / Doors Open** · **6:00pm Workshop Begins** · **7:00pm Q&A** **Don't miss out! Sign up now and empower your home buying journey!** 🏠💪✨ **🔑 Register now and secure your spot.**

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.

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)

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\.

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.

Every Saturday at 11am! RSVP at the following link to receive login details: https://www.enggarcia.com/hbscaphill/ 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!

#### 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.

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.

Polarity Reflexology (PR) Certificate Course: (2026) February 21-22 March 21-22 April 25-26 May 30-31 June 27-28 Students must attend all 5 weekends to receive Certificate Classes run from 8:30am-5:30pm each scheduled day Information & Registration Link can be found here: [Polarity Reflexology (PR) Certificate Course](https://www.gafee.org/#/polarity-reflexology-pr/) *[Global Academy for Energetic Education (GAFEE) is Registered with the Ohio State Board of Career Colleges and Schools and is authorized to teach Diploma and Certificate Programs. (Registration #2091)](https://oh.edvera.com/directory/institutions)*

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

**\*\*\*\* 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.

MCKS PRANIC HEALING® Level I In PRANIC HEALING® Level 1, you learn the basics of working with your energy aura, including learning to "scan," or feel the energy, to "sweep," or clean away congested energy, and to "energize," or supplement areas in your aura that have a pranic deficiency. PRANIC HEALING® has been taught to doctors, nurses, massage therapists, acupuncturists, chiropractors, shiatsu practitioners, and many others in the healing field. It has allowed them to heal confidently and consistently in the shortest learning time possible. These professionals find PRANIC HEALING® very effective and easy to apply. Other topics covered in PRANIC HEALING® Level 1: Energetic anatomy: You will learn to work with the network of chakras, meridians and auras to accelerate the healing processes of your body. Preventive healing: You will learn to remove the negative energetic patterns of a disease to prevent it from fully manifesting as a physical ailment. Self-Pranic healing: You will learn to apply these healing techniques to accelerate your own healing. Step-by-step techniques for ailments related to your: respiratory system, e.g., asthma,; circulatory system, e.g., heart ailments; gastrointestinal system, e.g., irritable bowel syndrome; musculoskeletal system, e.g., arthritis and back pain; reproductive system, e.g., menstrual problems. You'll also learn how to address common problems as migraines and sinusitis. Additionally, you'll learn to apply distant healing to loved ones who are not present in the room with you. All PRANIC HEALING® courses are "experiential," which means that you learn by actually performing the techniques and exercises in class - on yourself and those around you. During class, all the principles will be explained thoroughly and you will practice the techniques exhaustively so you will be confident in your ability to produce positive results when you finish the course. This is Day 2 of 2 Attendance at day one is required to attend day 2. The Course text book is Choa Kok Sui, "Miracles through Pranic Healing" Please bring this with you to class. PRANIC HEALING® Level 1 is a prerequisite to all other GMCKS courses. For those interested to review the class...Review fee is only $75!! LOOK AT THIS!! Review for FREE when you bring a new student to class with you.