Debt Free

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)

**✅ First class is FREE – only 10 spots available!** Learn real self-defense skills in a small-group setting. No experience needed, open to all adults. 📲 RSVP now and text Jim at **301-326-9146** to confirm—once spots are gone, they’re gone. ## **Free Intro Self-Defense Class – Maryland Systema** Want to learn how to protect yourself while also improving your health, focus, and confidence? Join us for a free first class at **Maryland Systema**, a unique approach to self-defense that blends both physical and mental training. *** ### **Why This Class is Different** Unlike most programs that only teach physical moves, Systema trains your body **and** your mind. You’ll explore: * **Structure** – staying balanced under pressure * **Breathing** – keeping calm and controlling fear * **Relaxation** – avoiding panic and wasted energy * **Movement** – adapting naturally to any situation You’ll also learn to read an attacker’s intentions and respond proportionately—aligned with Maryland’s self-defense laws. *** ### **What You’ll Gain** ✔ Practical skills you can use right away ✔ Better stress control and awareness ✔ Improved strength, mobility, and coordination ✔ Confidence in handling real-world situations *** ### **Class Info** 📍 **Location:** The Dance Exchange - Studio #3 - Takoma Park (free parking) 🕒 **Length:** 1.5 hours 👥 **Small Group:** Max 10 students for personalized guidance 👖 **What to Wear:** Comfortable long pants and clothes you can move in 💵 **Cost:** Free for first-time students *** ### **How to Join** RSVP here on Meetup to save your spot, then text Jim at **301-326-9146** to confirm. Spots are limited—once the group fills, we close registration. *** **Maryland Systema** Real-world self-defense training for adults—helping you stay ready, stay calm, and stay safe.

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!

Socialize, mingle and dance the night away, your memorable one, rubbing your shoulder with DC's party snobs. ***GRAB A DRINK AND YOU ARE ALL SET TO ENJOY THE EVENT. YOU NEED TO GET AT LEAST A DRINK OR FOOD :) To get the event going and show support. We know that you like our events. P.S. : We have non-alcoholic drinks as well.*** We have a tiny venue and we hit capacity often and early arrival is suggested. Spring is in the air and our rooftop season has come! We have the discretion to decide entry. ***AFTER THE SOCIAL, WE HIT THE DANCE FLOOR!*** **This is also a wicked 'MeRtUp'!** **What is MERTUP?:) Mer + Meetup = Mertup.** **Mer is known as the Meetup guy. He likes to connect people and his fans coined that name for him. So, at his events, everyone will become a Wing Person to everyone:) When you get get there, we will introduce you to someone and you will be responsible to introduce that person to another person. That is MERTUP!** We will have specials, including our usual suspect MERtini:) Dress code : Weekend Casual Event is free and 21+ * Come one, come all; YOU COULD FLY SOLO TOO:) This is the most friendliest event you have ever attended! * Feel free to invite your friends. They don't necessarily have to be a member * Ideal for either you are new in town or not, to make friends and acquaintances * RSVP on Meetup is required. That is how we check you in. * We will have a registration station and check you in. Cover is $20. **But it is FREE for us with RSVP. So, you must RSVP, otherwise you will be subject to payment.** **Fellas, it is hard to pass on this!** http://photos1.meetupstatic.com/photos/event/d/8/c/0/600_447175488.jpeg http://photos4.meetupstatic.com/photos/event/d/8/c/7/600_447175495.jpeg http://photos3.meetupstatic.com/photos/event/b/0/8/2/600_436665186.jpeg http://photos4.meetupstatic.com/photos/event/b/0/8/8/600_436665192.jpeg http://photos2.meetupstatic.com/photos/event/9/e/8/9/600_433120585.jpeg http://photos3.meetupstatic.com/photos/event/9/f/a/d/600_433120877.jpeg http://photos3.meetupstatic.com/photos/event/a/5/8/7/600_433122375.jpeg

Is it possible to grow spiritually in isolation? It’s quite natural to think about our personal spiritual growth and development in terms of improving our own life, but how does that relate to the real world around us? What if our own personal growth is closely connected to the growth and progress of others? And what if turning our gaze beyond just ourselves to also focus on the progress of others and of our communities not only helps make the world a better place but is actually what helps us grow? Come join a different kind of conversation – one that welcomes every perspective in a search for the underlying truths that unite us all – as we discuss the spiritual perspectives offered by the Bahá’í Teachings on how practicing selflessness and incorporating service to others can actually further our own growth. Join us for a lively discussion as we explore the ways in which self-development is connected with that of those around us. *"Whosoever has lost himself has found the universe and the inhabitants thereof. Whosoever is occupied with himself is wandering in the desert of heedlessness and regret. The "master-key" to self-mastery is self-forgetting."* – Bahá'í Teachings \*\*\* This event is free and open to all regardless of background or belief. Donations will not be accepted.

This is where you meet the area's 30, 40 and 50 years young; 30 somethings, 40 somethings, 50 [somethings.......as](http://somethings.......as/) they are known as GENERATION Xers....., who are active, self accomplished, sophisticated, young at heart, empty nesters; who would like to do things and enjoy life; who has got time and could afford it as well! ***GRAB A DRINK AND YOU WILL BE ALL SET TO ENJOY THE EVENT. YOU NEED TO GRAB AT LEAST A DRINK OR A FOOD ITEM :) To get the event going and show support. We know that you like our events. P.S. : We have non-alcoholic drinks as well.*** We have a tiny venue and we hit capacity often and early arrival is suggested. Direct RSVP required. We have the discretion to decide entry. Many of you were not born while we were partying:) The profile picture of this invite was taken while we were having a blast. One of our members was buying us rounds of shots. He almost spent $ 1K just on shots. LET US DO IT AGAIN! They also make us feel loved and honored, by serving, one of our signature cocktails, which is named after us - MerTini:) It will be one of the featured cocktails. Ask your bartenders:) Unacceptable Attire: 1. Athletic Clothing: This Includes gym attire, sweatpants, yoga pants, and tracksuits 2. Baggy Clothing: Clothing that is excessively loose-fitting or oversized, such as baggy jeans, sagging sweatpants or oversized t-shirts. 3. Sportswear: Jerseys, team logos, and other sport-specific attire 4. Beachwear: shorts, tank tops, swimwear, and revealing clothing 5. Flip Flops: Open-toe sandals, thong sandals, and flip flops are not allowed 6. Timberlands and Steel Toed Shoes. DETAILS : * We will have a registration station and check you in. * Most of our members complained about people writing in the comment box. Since it sends notification to all attendees. If you have any questions, send a message to the organizers. Don't write in the comment box. PARKING INFO Parking might be a challenge and the event involves drinking. We highly encourage you to take a public transportation, taxi service or a ride share. DRINK RESPONSIBLY. ***N.B. : We have ZERO TOLERANCE for solicitation. We don't allow anyone to run their own agenda at the Event. If you are interested to promote/sponsor/collaborate; contact us via ([info@merevents.com](http://info@merevents.com/)).***

Learn to manage stress and achieve self-growth through simple relaxation and Meditation. Heartfulness Meditation is a simple, modern, methodical approach to meditation. Rather than homing in on your breath or repeating a mantra, you simply focus inward, on your heart, to cultivate inner strength and serenity. Heartfulness meditation is gaining traction in recent years. It focuses on the heart, allowing individuals to connect with themselves on a deeper level, and ultimately achieve peace, relaxation, and clarity. It is a practice that encourages patience, self-compassion, and acceptance, helping cultivate a deeper appreciation for the present moment. This practice is offered with love and at no cost

Join us for a relaxed, friendly Sunday lunch with fellow secular folks. This is a casual, come-as-you-are gathering focused on good conversation, shared interests, and community, no agenda, no presentations, just an easygoing meal together. In addition to your RSVP, please email ClydeDonovan202@gmail.com that you will be attending.

Use Promo code WINTERME to receive $5.00 off! Purchase tickets here: [https://www.prosinthecity.com/event/speed-dating-washington-dc-16056](https://www.prosinthecity.com/event/speed-dating-washington-dc-15393) Tonight, Professionals in the City is hosting an event for singles in their 30s and 40s. Our Speed Dating Washington DC events are among our most popular singles events so don't miss out! During Speed Dating Washington DC you'll date for approximately one hour, meeting smart and intriguing members of the opposite sex as you spend a few minutes with each new acquaintance. Meet singles and know right away whom you mutually match with. After the speed dating, join us for a night of socializing and more interactions. You’ll also be able to spend time with someone you felt you clicked with during one of your speed dates. There will be a cash bar for this eventful evening, so come and meet other single professionals like yourself and have the time of your life! Then, after the event, use our exclusive online system from home to choose your matches from the people you met at the event. Without disclosing your email address, you'll be able to send messages through our system to anyone who attended. So come to Speed Dating Washington DC and meet that special someone you’ve been looking for. Check in is at 7:00 and the dating begins at 7:20. Please check in at 7:00 so you have a chance to mix and mingle before the dating begins. Numbers are limited at this event so sign up soon!

**We have an annual ritual to end the year in big bang and to exchange our best wishes for the coming year. We do this every year. This year is not an exception. Say good bye to this year and meet, mingle, greet and socialize with new friends.** Socialize, mingle and dance the night away, your memorable one, rubbing your shoulder with DC's party snobs. ***GRAB A DRINK AND YOU ARE ALL SET TO ENJOY THE EVENT. YOU NEED TO GET AT LEAST A DRINK OR FOOD :) To get the event going and show support. We know that you like our events. P.S. : We have non-alcoholic drinks as well.*** We have a tiny venue and we hit capacity often and early arrival is suggested. We have the discretion to decide entry. ***AFTER THE SOCIAL, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!*** **This is also a wicked 'MeRtUp'!** **What is MERTUP?:) Mer + Meetup = Mertup.** **Mer is known as the Meetup guy. He likes to connect people and his fans coined that name for him. So, at his events, everyone will become a Wing Person to everyone:) When you get get there, we will introduce you to someone and you will be responsible to introduce that person to another person. That is MERTUP!** We will have specials, including our usual suspect MERtini:) Dress code : Weekend Casual Event is free and 21+ * Come one, come all; YOU COULD FLY SOLO TOO:) This is the most friendliest event you have ever attended! * Feel free to invite your friends. They don't necessarily have to be a member * Ideal for either you are new in town or not, to make friends and acquaintances * RSVP on Meetup is required. That is how we check you in. * We will have a registration station and check you in. Cover is $20. **But it is FREE with RSVP.** **Fellas, it is hard to pass on this!** ***N.B. : We have ZERO TOLERANCE for solicitation. We don't allow anyone to run their own agenda at the Event. If you are interested to promote/sponsor/collaborate; contact us via ([info@merevents.com](http://info@merevents.com/)).*** http://photos3.meetupstatic.com/photos/event/9/3/d/600_440642365.jpeg http://photos1.meetupstatic.com/photos/event/9/3/6/600_440642358.jpeg http://photos3.meetupstatic.com/photos/event/8/e/e/600_440642286.jpeg http://photos4.meetupstatic.com/photos/event/8/5/9/600_440642137.jpeg http://photos2.meetupstatic.com/photos/event/7/8/f/600_440641935.jpeg

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.

#### 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.

Meeting Room 3B, Main Library Join us for a welcoming evening of reflection, gentle music, and meaningful conversation. We’ll begin with a short grounding moment, followed by a brief reading from spiritual or philosophical traditions, and an open reflection circle where participants can share (or simply listen). Libera Animae is an interfaith community focused on inner growth, creativity, and authentic connection. This first gathering is a simple introduction to the spirit of the group and a chance to meet others seeking deeper meaning and community. All backgrounds are welcome.

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 Rob will lead this month's meeting in my absence. Mark Vonder Haar