Budgeting and Planning

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.

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\.

This meetup is for people that want to play table games: board games, strategy games, episodic RPGs, eurogames, card games and co-operative games. NOT A GAMER BUT WANT TO LEARN? We teach them all... We are open minded on all games. Games we plan to teach and play include Ascension, Azul, Azul Summer Pavillion, Splendor, Magic The Gathering, Melee/Wizard, Backgammon, Castallan, Chess Variants, Compounded, Dead of Winters: Crossroads, Dixit, Dominion, Exploding Kittens, Flux, GravWell, Ghost Stories, Hanabi, Heroquest RPG, Hive, House Divided, House on the Hill, Illuminati, Ingenious, King of Tokyo, Lost Cities, Machi Koro, Munchkin, Pandemic, Pirate Dice, Ogre/GEV, Qwirkle, Race for the Galaxy, Roll Through The Ages, Ricochet Robot, RoboRally, Settlers of Catan, Sagrada, Sentinels of the Multiverse, Splendor, Spot-It, Sushi-To-Go, Takenoko, Ticket to Ride, Tsuro, Up Front, Yahtzee, Advanced Wizards Card Game, etc.

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!

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

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

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 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.

Get checked your bucket list by visiting this wonderful country Switzerland while exploring the 5 days of adventure by visiting various cities and little towns. Enjoy the scenic drives, mountains, waterfalls, and a lot more. Note: To join the Day01 Zurich half-day city tour, you must arrive by 12pm as the tour is scheduled for 2.30 pm Highlights Visited Places: • Lake Zurich • Eiger, Jungfrau Glacier, Interlaken, Lauterbrunnen, Grindelwald • Lucerne • Mt Pilatus • Rhine Falls and Stein am Rhein Travel Experience: • Exploring Switzerland towns • Boat Cruise • Zurich city • Local cuisine • Sightseeing as per the itinerary Tour Start Zurich Tour End Zurich Destination Switzerland Flights • Arrival: Day01 before 12 pm • Return: Day05 anytime after breakfast Airport: Zurich Airport (ZRH) Itinerary Day01 Zurich Highlights Half-Day Tour with Lake Cruise Day02 Jungfrau Glacier, Interlaken, Lauterbrunnen and Grindelwald Day03 Mt Pilatus Day Trip Day04 Rhine Falls and Stein am Rhein Day05 Zurich Cost: $2590 (Double Occupancy) $3290 (Single Supplement) Inclusions Price Includes • 4 nights of hotel accommodation • Guided day activities • 4 breakfasts at the hotel • Sightseeing (Car, Bus, Van, Train, Boat) Price Excludes • International Flights • Airport Transfer • Meals (other than those mentioned above) • Personal Expenses • Tips and gratuities • Transfers other than those mentioned in the Itinerary (available at extra cost) • Travel insurance / Visa ———————————————— For detailed itinerary and to reserve your seat follow the link below: [https://www.bucketlistgrouptravel.com/tour/switzerland-5-days-adventure-zurich-interlaken-lucerne/](https://www.bucketlistgrouptravel.com/tour/switzerland-5-days-adventure-zurich-interlaken-lucerne/) Questions? Text / Call - 2023787696 - Himanshu - Organizer

Here is an event for anyone who will be available on Christmas Day. Come and join me for a great meal and some drawing at Chinatown Garden. We can sketch while we wait for our food to arrive and after we eat. This is becoming a tradition! I look forward to drawing with you there. [Chinatown Garden ](https://www.chinatowngardenwashington.com/)

If you have no Christmas plans come join us for Chinese food! It's going to cost between $40 and $60 per person so please bring cash or Venmo!

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

This is an in-person meeting. Did you know that unwanted emotions like loneliness, sadness, hopelessness, anger, fear, anxiety, or feelings of irritation don’t just fall on you for no reason. They are not random occurrences that simply happen to people's minds. They are definitely not chemical imbalance in your brain due to some nebulous chemical reactions by chance. Your negative emotions are the symptoms of the painful experiences that you have which are not healed, and which are still affecting you. The effects of these painful experiences are exacerbated by the pressures or difficulties of the other problems in your life. For instance, let's say you are already carrying a huge load on your back, then you cannot take on much more, but, let's say something else happens to you, such as the difficulties from the Pandemic, then the resultant combined weight on you can take you over the edge, kind of like the straw that break the camel's back. When this happens, people's attention usually goes to the straw that was added, but actually the majority of the weight had come from the huge load that were already there, holding a person down and causing a person issues. So how do you remove the huge load that was already there? How do you lighten them up? Is it possible to get rid of them? That is what this meeting will be all about. Come to our Meetup, where we can introduce you to some of the knowledge, tools and techniques of the breakthroughs in the field of the mind that we can apply to this ever important area of life. 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 and Scientology Life Improvement Center of Central Ohio.

Step into 2026 with intention, clarity, and a creative practice designed to help you see yourself more clearly. In this special Confidence Lab session, we’ll explore confidence as something you can curate - through the choices you make, the qualities you amplify, and the story you choose to step into. We’ll start with a short guided reflection to surface the traits, habits, and energies you want to nurture in the coming year. Then, using collage materials selected specifically for this workshop, you’ll translate those insights into a visual composition that represents the version of yourself you’re ready to grow toward. This isn’t about resolutions or perfection. It’s about crafting a grounded, imaginative vision of your next chapter - one that feels honest, energizing, and fully yours. All materials are provided. Just bring yourself (and a friend) and a willingness to explore what confidence can look like for you in 2026. **Featured Partner: Columbus Collage Collective** The Columbus Collage Collective was started in August of 2023 by Emily Morgan (aka Lovely But Dead) and Douglas Cuckler (aka Wonder Doug) as a place for collage enthusiasts to gather and create art together. The collective has since become a 501(c)(3) non-profit organization with the mission to hold free or low-cost collage events across central Ohio. The CCC welcomes all artists of all backgrounds and skill levels and encourages folks to take this time to step away from everyday existence and create art with people who share a love for this dynamic art form. All materials—magazines, scissors, craft knives, glue, paper, cardboard, and more—are provided, so there's no need to bring anything at all (though you're welcome to bring a friend or a favorite tool if you'd like!). We also encourage folks to take home magazines and materials from our events to support continued creativity! Find us on Instagram: [https://www.instagram.com/columbuscollagecollective/](https://www.instagram.com/columbuscollagecollective/) Register or sign up for the newsletter at [https://www.columbuscollagecollective.com/](https://www.columbuscollagecollective.com/) **What is Confidence Lab?** Confidence Lab is a monthly community experience for bold, thoughtful leaders building confidence from the inside out. Whether you’re launching a business, leading a team, navigating change, or simply striving to show up more fully—you belong here. Our work demands clarity, courage, and conviction—but the pace of daily life can erode our sense of self. Confidence Lab creates space to reflect, reconnect, and grow with others doing purpose-driven work. It’s designed for entrepreneurs, nonprofit leaders, creatives, corporate professionals, activists, and anyone ready to lead with authenticity and impact. ***Please note:*** *All are welcome! If cost is a concern, please use promo code PUBLIC to access a free ticket—we want you to join us.*

Meditation practice with short sutra service, dharma talk and discussion.

$5 MOVIE NIGHT! With avatar fire and Ash, James Cameron takes audiences back to Pandora in an immersive new adventure with marine turned Navi leader Jake Sully. Navi Warrior, Naytiri and the Solly family. The film has a screenplay by James Cameron and Rick Jaffa and Amanda Silver. We will see the 6 PM showing and I will post my seat so that we can sit together. We can grab something to eat after if people want and chat to round out the experience. This is a MUST SEE MOVIE for me. I hope you feel the same. I will CANCEL if there are less than 5 RSVPs on the movie date.

Do you want more motivation and confidence to build Lasting Relationships? This is a free, in-person meeting on the subject of betrayals, losses and how to get over them so you can build lasting relationships. Are you burdened by a stressful relationship? Unhealthy relationships can trigger feelings of anger, despair or self-doubt. They can create dwindling spirals of fights and seeking to make-up, or trying to “pin the blame” on someone or something. If you don’t find the RIGHT reasons, or select the correct sources of the problem, the problem can just get worse and worse. Whether in love or personal ties, with friends or at work, our life really IS affected by the quality of our relationships. Good ones can promote pleasure and survival, while less optimum ones can lead to annoyance, anger, self-doubt, stress, or even affect our health and ability to survive well. Whether you are suffering from a divorce, or a painful break-up, don’t know who to trust (or who to CHOOSE) as a partner, friend, boss or employee - the anxiety of relationship troubles can really make a mess of things. Maybe you’ve suffered a betrayal, or are dealing with hostility or criticalness or invalidation. Dwindling relationships can involve destructive behavior, where we hurt those we love, or start succumbing to self-destructive thoughts, attitudes or behaviors that spiral out of control and affect much more than our immediate relationship. Past losses in love or life can affect how we act or react to new people and situations and hold us back from even starting to create new, possibly great relationships! How can one get back onto a saner course of action? Come to our Meetup, where we can introduce you to some of the knowledge, tools and techniques of the breakthroughs in the field of the mind that we can apply to this ever important area of life: human relationships! Break free from self imposed limitations Here we will discuss: • How to “erase” the trauma of past hurts and betrayals so that one isn’t always repeating past mistakes. • Why and how do the negative emotions of others affect you? • Why is my partner withdrawing and what can I do about it? • Why do we sometimes feel compelled to hurt the ones we love? • Fights & arguments - what's really behind them? • What underlies “corrosive criticism” or the need to invalidate self or others? • How one can stably change one’s outlook on life so they can affect positive change? • Where do compulsive destructive behaviors come from and what can be done about them? • How to form closer bonds & keep growing the relationships with the people you care about? • How to enhance one’s own ability to survive and create positive healthy relationships whether in love, family & friendships or in work, business or one’s career? Relationships can be hard and life itself IS challenging. Why not arm yourself with the knowledge and breakthroughs that have been made about the mind, mental reactions & interpersonal relationships, so that one has better awareness and control over themselves and life in general. Learn where painful experiences are “stored” and how they can unknowingly affect us. You will also find out how one can “erase” those past painful experiences so that one is free to move forward without being tripped up by the past. Learn too, about what can lead some people to become “toxic” personalities and how to identify those traits in others so you won’t be tripped up trusting the wrong person. Our free Meet-ups occur in a safe environment where one can learn, without fear of judgment or criticism, and without the recommendation of harmful mental techniques or therapies, just how YOU can get yourself onto a happier & more successful path: in love & in life. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. This class is held at the Dianetics and Scientology Life Improvement Center.

Monday December 29th at 6PM we'll be meeting up dinner at the Pies & Pints at Easton. Feel free to bring guests. Sandwiches run about $15 and large pizzas run $20-30.