Mortgage Education

Learn essential techniques and concepts of Bluegrass Fiddling with teacher Bebe Blumenthal. The goal of this class is to go beyond the basic melody of the song and explore concepts like fills, embellishments, improvisation and accompaniment! Learn about concepts like the Nashville Numbers system and movable chord shape, and learn how they relate to fiddle. read more: [https://square.link/u/1I5oA27v](https://square.link/u/1I5oA27v?fbclid=IwZXh0bgNhZW0CMTAAYnJpZBExRXNXVFFUM0c0OXRnRVhuMQEe-xJCVddM8jG3GUOGHfxZ0LshLDS-GT8Sa_I0VTetsDzXSF98x4-R3xs_lB4_aem_egwuwZ4jmJaIFtV2MLE8rQ)

👉 Enroll at **[www.worklifespanish.com/conversational-spanish-clubs.html](http://www.worklifespanish.com/conversational-spanish-clubs.html)** Our ***Beginner Banter Club*** meets online and is available to all Spanish learners at the A1-B1 levels who want to start speaking and build confidence. Each week, we’ll explore vocabulary and cultural themes like holidays, food, and daily life in the Spanish-speaking world. **​**Location: Zoom Day: Mondays, 5pm - 6pm ET ​Price: $27.50 / session or FREE with monthly credits 🎁 **FREE Trial Event Available!** Use code **FREECLUB** when you sign up. 👉 Enroll at **[https://www.worklifespanish.com/conversational-spanish-clubs.html](https://www.worklifespanish.com/conversational-spanish-clubs.html)**

Join us at Pubkey DC for the BitPlebs! DC BitPlebs are [Socratic Seminars](https://en.wikipedia.org/wiki/Socratic_method) that do not require advanced and technical understanding of Bitcoin. The topics we discuss include: \- Freedom tech \- Hashrate and mining economics \- Custody and self\-sovereignty \- On\-chain data \- Scaling solutions \(LN\, Ark\, Cashu\) \- Privacy 👉 Please [RSVP on LUMA](https://luma.com/30xvhl4h) **IMPORTANT: No photos, videos, or audio recordings. The meeting will be held under the Chatham House rule, meaning it's ok to share information and stories from the session, but not to share who said what.** # **Agenda:** 6:00PM - 7:00PM - Meet & greet 7:00PM - 8:30PM - Discussion of recent bitcoin related news & developments 8:30PM - 10PM - Hangout 👉 Please [RSVP on LUMA](https://luma.com/30xvhl4h)

Early riser? Need to get your run in before the kids are up and the busy-ness of the day sets in? Join other early morning runners at the CAVA in Bowie, 15480 Annapolis Rd. The group meets at 5:30am and promptly sets out for a 3-5 mile run along Annapolis Rd. It's best if you arrive a few minutes early. **\*\*This is a regularly scheduled run and Kim, the run-host, does not check RSVPs on meetup. New runners are encouraged to email membership@pgrc.org for more info, prior to coming out.**

**This talk has been postponed to March 9th in response to a winter storm. Tickets for the March 9th staging of it are available at** [https://www.ticketleap.events/tickets/profsandpints/dc-wink-nod-kill ](https://www.ticketleap.events/tickets/profsandpints/dc-wink-nod-kill )**Anyone who had purchased a ticket for January 26th will be getting a refund.** [Profs and Pints DC](https://www.profsandpints.com/washingtondc) presents: **“Wink, Nod, Kill,”** a look at implicit calls for violence and other speech that leads to bloodshed and threatens democracy, with Kurt Braddock, assistant professor of communications at American University and expert on terrorism. [Advance tickets: $13.50 plus sales tax and processing fees. Available at [https://www.ticketleap.events/tickets/profsandpints/wink-nod-kill](https://www.ticketleap.events/tickets/profsandpints/wink-nod-kill) .[ Over the last decade, President Donald Trump and many of his allies have used language that implicitly advocates for the use of violence without directing it outright. From telling the Proud Boys to “stand back and stand by” to suggesting that legal acts of Democratic lawmakers should be “punishable by death,” Trump has consistently suggested that violence is a viable means of addressing political grievances. Support for political violence—implicit or explicit—goes beyond the sort of spirited debate and disagreement upon which the American experiment was founded. It represents a gray area in the connection between violent language and violent acts, an area that Kurt Braddock has spent years studying. Learn about research on the connection between real bloodshed and coded language, dogwhistles, and implicit calls for violence with Dr. Braddock, who has conducted research on communication and terrorism for several national and international organizations, including the U.S. Department of Homeland Security, the U.S. Department of State, and the United Nations Office of Counter Terrorism. Professor Braddock will give his audience a firm grounding in the concept of “stochastic terrorism,” or political violence spawned by vague calls to violent action. Tapping into decades of research on communication and decision-making and accounts of specific violent acts inspired by implicit orders, he’ll show us that the threat posed by implicit calls to violence is real. He’ll discuss whether implicit calls for violence represent a “new” form of political communication protected by the First Amendment, and he’ll describe the real-world dangers posed by these kinds of statements. Among the questions Dr. Braddock will tackle: Why do politicians use this language if they can reasonably assume that someone may be motivated by it to hurt someone else? Perhaps most importantly, what can we do about it, especially given the sacrosanctity of the First Amendment? His talk promises to give you a much more sophisticated understanding of recent events and a clearer sense of what might lie ahead. (Door: $17, or $15 with a student ID. Listed time is for doors. The talk starts 30 minutes later.) Image: Right-wing pundit and podcaster Steve Bannon routinely uses violent rhetoric. (Photo by Nordiske Mediedager / Creative Commons. )

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 January 29.** **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: January 29, 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/)

Join us for our first meetup! 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.

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)

**Day 1 — Foundation & Deal Control** This two-day, end-of-month Real Estate Investing (REI) Intensive is designed for investors who want real traction, not theory. Day One is about controlling the deal flow. We break down how to find opportunities in today’s market, underwrite them correctly, and avoid the emotional and financial traps that wipe out most new and mid-level investors. You’ll learn how operators are sourcing deals right now, how to analyze markets and properties with discipline, and how to structure acquisitions so the numbers work before you ever swing a hammer. This is about building a repeatable system—not chasing the next shiny strategy. **Day 2 — Capital, Execution & Scale** Day Two shifts from deals to execution and scale. We go deep on renovation management, capital stack planning, and exit strategies—fix and flip, buy-and-hold, and hybrid plays—so you understand how to protect downside risk and maximize upside. You’ll see real case studies, real numbers, and real mistakes made by experienced operators, not influencers. The intensive closes by connecting the dots between education and action, showing you how to plug into ongoing coaching, deal opportunities, and higher-level collaboration for investors who are serious about building long-term wealth, not just doing a one-off deal. REGISTER HERE: [SIGN UP TODAY](https://link.elitereimm.com/widget/form/CqtTT4UVTJj3JvHKns3x?am_id=debbie4982)

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.

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

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)*

**HAPPY HOUSE HUNTERS JOIN THE CENTRAL OHIO INVESTOR NETWORK** \* Time: 5 pm‎ - ‎8 pm‎ ‎ [Eastern Time] \* JANUARY 2026 ONLY: FOURTH Tuesday the 27th, then back to the regular schedule of third Tuesdays next month \* Where: Pastimes Pub at Grandview Yard, 775 Yard St. Columbus 43212 \* Description: Join Us for the Ultimate Real Estate Meet and Greet! Flip, Buy and Hold, Long-Term Rentals, Mid-Term Rentals & Short-Term B&B! Are you passionate about real estate investments or curious about the world of long-term rentals, mid-term rentals, or short-term rentals? Look no further because the "Happy House Hunters" and "The Inns and Outs of a B&B" invite you to come together with COIN for exciting monthly Meet and Greet events for all real estate investors! We look forward to seeing you there!

**Day 1 — Foundation & Deal Control** This two-day, end-of-month Real Estate Investing (REI) Intensive is designed for investors who want real traction, not theory. Day One is about controlling the deal flow. We break down how to find opportunities in today’s market, underwrite them correctly, and avoid the emotional and financial traps that wipe out most new and mid-level investors. You’ll learn how operators are sourcing deals right now, how to analyze markets and properties with discipline, and how to structure acquisitions so the numbers work before you ever swing a hammer. This is about building a repeatable system—not chasing the next shiny strategy. **Day 2 — Capital, Execution & Scale** Day Two shifts from deals to execution and scale. We go deep on renovation management, capital stack planning, and exit strategies—fix and flip, buy-and-hold, and hybrid plays—so you understand how to protect downside risk and maximize upside. You’ll see real case studies, real numbers, and real mistakes made by experienced operators, not influencers. The intensive closes by connecting the dots between education and action, showing you how to plug into ongoing coaching, deal opportunities, and higher-level collaboration for investors who are serious about building long-term wealth, not just doing a one-off deal. REGISTER HERE: [SIGN UP TODAY](https://link.elitereimm.com/widget/form/CqtTT4UVTJj3JvHKns3x?am_id=debbie4982)

You can also join the meeting by Conference Call at (518) 263-8851.

Join us online for REI 101: Managing the Renovations! Whether you're a newbie or looking to sharpen your skills, this event dives into the essentials of handling renovation projects like a pro. Get tips, tricks, and real-world advice to keep your fixes smooth and stress-free. Perfect for anyone wanting to boost their renovation game without the hassle! * Learn how to properly scope renovation projects before work begins to avoid surprises * Understand realistic budgets and timelines so renovations don’t spiral out of control * Get proven tips for managing contractors and holding them accountable * Identify the most common renovation mistakes that kill profits—and how to avoid them * Walk away with a simple framework to manage renovations efficiently, even as a beginner Register Here: [SIGN UP TODAY](https://links.eliteeventbuilder.com/widget/form/wSbrsstjtpMx77vSSif7?am_id=debbie5574)

Hear how 3 investors went from broke to 8 figures and learn what’s working now in real estate, private money, and scaling your business. 🎟️Register **[HERE](https://www.eventbrite.com/e/broke-to-8-figures-live-panel-open-qa-tickets-1969996398258?aff=cicmeetupapp)** ## **Broke to 8 Figures: Live Panel + Open Q&A with 3 Young Investors Who Built Real Wealth Through Real Estate** A decade ago, none of them were “set.” 10 years ago, these three weren’t millionaires. They weren’t influencers. They were broke, doubting themselves and fighting to make their first deal work…just like a lot of people trying to get into real estate today. Now, two of the Columbus Investors Club’s founders, **Tiffany and** **Josh High**, sit down with **Austin Rutherford**… a fellow Columbus native who went from parking cars as a valet to owning a **$30M+ real estate portfolio.** Together, they’ve flipped and wholesaled **thousands of homes**, raised **millions in private money**, and built businesses that run without them in the day to day… creating both wealth and freedom before 35. This isn’t a highlight reel. It’s a real conversation about what it actually takes to build something that lasts… the fears they had to face, the habits that changed everything, and the systems that got them there. You’ll laugh, you’ll take notes, and you’ll walk away seeing what’s truly possible no matter where you’re starting from. **What You’ll Learn** * How three broke twenty-somethings built 7–8 figure real estate businesses * The mindset shifts that separate wishful thinking from real wealth * How to raise private money even if you’ve never done a deal * What’s working right now in flipping, wholesaling, and building a portfolio * How to create financial and time freedom through systems and people **Open Q&A - Ask Them Anything About** * Raising private money with confidence * Finding and structuring profitable deals * Getting past fear, self-doubt, or “I’m not ready yet” * Scaling your business without burning out * Building a team that actually performs **Who You’ll Hear From** **Austin Rutherford** – From valet to a $30M+ rental portfolio. He has flipped and wholesaled hundreds of houses alongside his rental portfolio and recently got into commercial deals. **Tiffany & Josh High** – Founders of **Heels Homes** and **Results Driven REI**. They’ve built multiple 7- and 8-figure companies, including a fully virtual real estate operation closing 250+ deals a year. Through Results Driven REI, they help experienced investors install the people, processes, and infrastructure needed to build a truly self-managing company. **Event Details** **Location:** *To Follow* **Date & Time:** January 29th, 6–8 PM (Doors open at 5:30) **Cost:** Free (Seats are limited - RSVP required) 🎟️Register **[HERE](https://www.eventbrite.com/e/broke-to-8-figures-live-panel-open-qa-tickets-1969996398258?aff=cicmeetupapp)**