Homeownership Tips

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!

• What we'll do We plan on meeting at Grace Presbyterian Church at 9:30 AM on Saturday to assemble care packages and help people who have very little and help them survive. This would be a great time to bring a friend or your children to do something good for humanity. After we assemble the 120 backpack care packages, we plan to have coffee and snacks, socialize and then drive to DC to distribute the backpacks. If you choose to go with us, we'll return about 1:00 pm. Looking forward to seeing you all at the Meetup. • How can you help? \- You can contribute money\. Make checks out to Grace Presbyterian Church\, marked for Help the Homeless and mail to David Retherford\, Grace Presbyterian Church\, 7434 Bath Street\, Springfield\, VA 22150 or bring the money to the Meetup and put it in the basket there or give it to me\. \- Winter items: coats\, jackets\, sweaters\, gloves\, scarves\, thermal socks \- You can also donate clothes and personal care articles at the Meetup or during the week\. Just leave them on the stage\. \- Clothing \(New or gently used\) \- Men and Women socks \- Men and Women underwear \- Men and Women shirts \- Men and Women pants \- Anything to keep warm and dry\!\!\!\! Other Items: -Backpacks (new or gently used) -Roll of duct tape • What to bring A willing attitude and if it’s cold, some warm clothes. • Important to know \- All are welcome\! The Handicap entrance is through the Tower door \(Door 2\) in front\. \- All others can enter at the North parking lot\. \- If you are looking for something eventful to do on Sunday\, check out the services at Grace\. \- We’ll tell you about any other Grace volunteer opportunities at the Meetup [https://www.gracepresby.org/](https://www.gracepresby.org/)

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.

Greetings from the capital! Every Saturday at 7:30 PM, people from all walks of life — students, diplomats, travelers, locals — gather to unwind and connect. [[Click this whatsapp groupchat link to join](https://chat.whatsapp.com/GNKKoBtgiU73RYeypZoN6y)] Our age range is mostly 20s to 30s. If you enjoy discussing culture, politics, travel, or just want to practice a new language, this group is for you. A perfect blend of diversity and dialogue, right in the heart of D.C.

Brookside Gardens is Montgomery County’s incomparable, award-winning 50-acre public display garden within Wheaton Regional Park. Included in the gardens are several distinct areas: Aquatic Garden, Azalea Garden, Butterfly Garden, Children’s Garden, Rose Garden, Japanese inspired Gude Garden, Idea Garden, Rain Garden, and the Woodland Walk. The Formal Gardens areas include a Perennial Garden, Yew Garden, the Maple Terrace, and Fragrance Garden. Brookside Gardens also features two conservatories for year-round enjoyment. Parking and admission to the gardens are free. **Event Details:** This will be a study of lens focal length and how they affect the look of your photographs. How aperture effect the look of the subject (depth of field). **Lens Exploration** Organize sessions around different lens types: * **Macro photography** for close-ups of individual petals and delicate textures. * **Telephoto lenses** for compressing a scene, making rows of trees look overwhelmingly full of blossoms, and isolating subjects to manage crowds. * **Wide-angle lenses** for capturing the entire landscape, such as an avenue of trees, or placing a subject in the foreground to emphasize depth. * How to isolate your subject by the use of depth of field. **Recommended equipment:** DSLR or Mirrorless camera, Macro lens, Wide angle to telephoto zoom lens, flash with diffuser. **Brookside's Photography Guidelines:** * **Do not disturb any gardens, stand on rocks or displays, block paths, or climb garden or fountain walls.** * **The photo session must not interfere with other visitors’ enjoyment of the gardens.** * **Absolutely no tripods are allowed in the Conservatories.** * **Published photographs should credit location of photograph, i.e. “Brookside Gardens, Wheaton, MD”.** **RAIN DATE:** April 4th **Share Your Work:** We encourage you to share your images with us on the [Harford County Photography Group's Facebook ](https://www.facebook.com/groups/hcphotogroup)page.

Join us for pur March meetup as we read Kristina Forest's "The Neighbor Favor!"

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)

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!

We run 45 min, goal is 4-5 miles easy run everybody welcome

​​**Let's discuss a ted talk video while taking a walk at Capital Crescent Trail Near Bethesda.** **To receive future event updates, register on Luma:** [https://luma.com/tv3fhasq](https://luma.com/tv3fhasq) Have you had your daily dose of fun? It's not just enjoyable, it's also essential for your health and happiness, says science journalist Catherine Price. She proposes a new definition of fun -- what she calls "true fun" -- and shares easy, evidence-backed ways to weave playfulness, flow and connection into your everyday life. ​​​​Here is how it works: * ​​​​​​​Prior to the event: **Please watch this YouTube video:** [https://www.youtube.com/watch?v=iMBJrvEwv8s](https://www.youtube.com/watch?v=iMBJrvEwv8s) * ​During the event: * ​​3:30pm-3:45pm: meet outside of [Chopt Salad](https://maps.app.goo.gl/ThxMNixG2TG4T32X6) (Bethesda Row end of Capital Crescent Trail) for group introduction. * ​3:45pm-4:45pm: Take a walk at Capital Crescent Trail (laps between Bethesda Row and Little Falls Parkway) and Discuss. * ​(Walking Route Link: [https://scenic-walk.com/#/b712c5fa ](https://scenic-walk.com/#/b712c5fa)(During the hike, the organizer will live broadcast current location, so that people who arrive late can catch up via the [Scenic Walk Link](https://scenic-walk.com/#/b712c5fa)). * ​4:45pm - 5pm: Group Conclusion outside of Chopt Salad. *** ​​​​Discussion Questions During Walk: \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- 1. **True fun is a visceral feeling of being illuminated from within rather than just a leisure activity. How can we better distinguish between activities that merely pass the time and those that truly make us feel radiant?** 2. **Playfulness involves a lighthearted attitude of doing things for their own sake without worrying about the outcome. How might our community change if we collectively lowered our guards and let go of the need for perfection?** 3. **Most peak fun memories involve a shared experience that helps us feel united with others. In a polarized world, how can the pursuit of fun serve as a bridge to connect us as human beings?** 4. **Fun requires a state of flow where we are so engaged that we lose track of time. What environments can we create together that naturally encourage us to be fully present and focused on the moment?** 5. **Prioritizing fun acts as a legitimate health intervention by reducing stress and promoting social bonding. How would we shift our schedules if we viewed joyful moments as essential to our physical and mental well-being?** 6. **Constant digital distractions interrupt our flow and prevent us from forming real-world connections. What boundaries can we set with our devices to ensure we remain available for spontaneous moments of joy?** \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- To provide an enjoyable experience for fellow participants, here are three ground rules during discussion events: 1. Step up and step back. (If you feel that you’ve been talking too much, step back to listen more. If you feel that you’ve been relatively quiet, step up to share your perspective or ask a question) 2. Listen to understand, not to respond. 3. Be open-minded and value differences.

To secure your spot, purchase your ticket from the Eventbrite link (https://www.eventbrite.com/e/kayaking-fun-tickets-119100521867). RSVPing only on the Meetup Page doesn't allow you to attend the Event. ADVANCE TICKET PURCHASE IS REQUIRED TO RESERVE YOUR SPOT - DUE TO COVID. ABOUT THE EVENT Let us get together for Kayaking + fun. We will have an hour on the water and will hit one of the bars in the area for a bite and/or booze. The Event is meant to be a group outing. It is not for Season's Ticket holders and Kayak Owners. Ticket price includes Kayak and Life Jacket rentals. Detailed meeting point will be send to ticket holders. Plan to arrive on time and be aware that parking can take some time. Due to the pandemic the entire set up of this event is changed: - We will be complying with all CDC, state, and local guidelines. - All patrons must bring and wear face masks/face coverings. If you don't wear a mask, we don't allow you to attend and you won't be refunded. MASKS WILL NEED TO BE WORN WHILE ON LAND. ONCE ON THE WATER, THE MASK MAY BE REMOVED. ATTENDEES WILL BE ASKED TO KEEP PHYSICAL DISTANCE FROM OTHER GROUPS/COUPLES/FAMILIES ON THE WATER. - A thorough cleaning and disinfection of frequently contacted surfaces will be done during the event and please bear with us. Directions and Check-In They are directly under the Key Bridge on the Georgetown side of the river at 3500 Water Street Northwest; Washington, DC 20007 (used to be called K Street NW). GPS Is not very accurate as we are under the bridge. You can put in 3500 Water Street Northwest, Washington, DC 20007; just be aware of where the GPS is taking you. Metro The best way to get there is via metro. They are just a short 10 - 15 minute walk across the Key Bridge from the Roslyn stop. Parking Key Bridge Boathouse has very limited parking available on a first-come, first-served basis. There is street parking in the area; however, you may need to circle around a few times to find a spot. Some spots are free, most are metered. A few blocks to the east on Water Street (next to the Lowes Theatre) is a parking garage. Biking There are bike racks at the boathouse, so we encourage you to bike, paddle and bike some more! Please bring your own locks. We are very close to the Capital Crescent Trail. What to Wear and Bring Water, sunscreen, clothes you don't mind getting a li'l wet, and a great attitude! Payment Instructions : 1. You should login from a PC to see the 'Pay Now' button, after RSVPing. Then hit the button. 2. Verify correct dollar amount for number of people you're paying for. 3. If you don't have a Paypal account, click "Pay with a Debit or Credit Card". 4. If you have a Paypal account, simply log in, and pay as you normally would via Paypal. Refund and Ticket Resell Policy All sales are final. We only refund the full amount, if the event is canceled. If it is rescheduled, we will send an email to ticket holders advising that. A full refund will be given to those that let us know within 2 calendar days of the update email, if you are unable to make it on the new date. No refunds will be given after that time. However, you can sell your ticket to someone else if you are unable to attend. Please, feel free to post in the comment box for the event, that you have a ticket for sale. Work out payment between yourselves, and have the seller only send the organizer a message letting us know the full name of the person taking your spot. You must let us know two hours before the RSVP close time, on the day of the event. **FOR FURTHER INFO, REFER THE EVENTBRITE LINK AND PURCHASE TICKET** http://photos2.meetupstatic.com/photos/event/4/a/f/8/600_438679192.jpeg http://photos4.meetupstatic.com/photos/event/4/b/7/e/600_438679326.jpeg

Spend your Sunday morning with us on a scenic hike along the C&O Canal Towpath. This is the perfect opportunity to **meet new friends**, reconnect with familiar faces, and enjoy the beauty of Great Falls from the Maryland side. We'll walk along the towpath, chat along the way, and take a well-deserved break at the **Great Falls Overlook** to soak in the stunning waterfall views. Whether you're here for the hike, the conversation, or both, this adventure is all about enjoying the journey together! This is an **easy and beginner-friendly hike** which is generally flat with a few gentle inclines and a manageable 180 feet of elevation gain. The towpath is well-maintained and ideal for all fitness levels, making it a great choice for those looking to ease into hiking or simply enjoy a relaxed outdoor experience. To learn more about the trail, click the link in the **Trail Map section below**. **Meeting Time & Location:** Join us at **9:30 AM at the Carderock Cliffs North Parking Lot**. We'll meet at the trailhead, located midway down the parking lot on the right side (as you enter). **Distance:** 7 miles **Elevation Gain:** 131 feet **Difficulty:** Easy This hike is accessible for all skill levels, taking place on the towpath and Berma road, which both feature mostly flat ground and wide paths. **Estimated Duration** This hike is expected to take approximately 3 hours. **Pace:** Moderate Pace We’ll maintain a steady, comfortable pace with regular but brief breaks for a balanced mix of exercise and enjoyment. **Parking** Free parking is available at the **Carderock Cliffs North Parking Lot**, which is also our meeting point. **Trail Maps (AllTrails)** [Take a Hike! @ Great Falls Overlook (Maryland, towpath)](https://www.alltrails.com/explore/map/map-january-23-2025-7e6b20d?u=i&sh=ylk43q) **Restrooms** Restrooms are not available on this hike. **Dog Attendance** For everyone’s comfort and enjoyment, we kindly ask that you leave your dogs at home for this hike. Thank you for understanding! **Lunch After the Hike** Following the hike, we’ll head over to TBD for a casual lunch. It’s the perfect opportunity to continue conversations, spark new ones, and unwind with your fellow hikers. Whether you’re new to the group or a regular, we’d love for you to join us - and for many, this might just be the best part of the hike!

It's almost spring! That means, it's time for the Firefly House's annual Foundations class series. These classes are meant to provide students the opportunity to learn about the House and about our way of being Pagan. For the second class of our seven-class series, we'll cover the vast array of folks whose philosophical or theological work leads to the House. Because Wicca is a formative part of our House's foundations, that means we'll be going over some of the usual suspects with respect to Wiccan history. When you RSVP for this class, you'll be asked to provide an email address. We'll send you a link to the class video at that address as soon as possible after we receive it. We keep won't share your email with anyone ever. Watch the video before the class date and time, and come to class with any questions you might have. During the class session, we'll be going over anything from the video you wanted to review, and then for the remainder of the time, we'll be discussing a few folks who have had an influence on the house that we don't discuss in the video as an example of cultural appropriation. If there's time, we'll also go over a soul alignment ritual that comes to the house from those very individuals. If you're comfortable with it, join us at the MLK Memorial Library in the Room 401-D to join the conversation in-person. Masks will be welcomed, but not provided, for in-person attendees. We will also have the necessary technology to allow folks to join in online via Google Meet if you prefer to attend remotely. Video conferencing information will be sent out the morning of the event. If you're connecting that way, please give us a few minutes past 3:30pm to get the stream online. This class is a part of our [foundations class series](https://docs.google.com/document/d/18-tA9ewEm1YEvY26jlWq07F2DT_-_HKwd-_wnl0l84g/edit?usp=sharing), which is only required if you wish to join the Firefly House as an initiate. If that does not interest you, then feel free to skip classes that you find less important for your journey. If you want to keep your options open with respect to initiation but cannot attend this session at the listed date and time, please contact the event host prior to the session. Keep in mind, you can only miss two of seven sessions in this way. Time spent with initiates of the House and your fellow classmates is an important part of knowing if you want to initiate. If you don't initiate, regardless of the reason, you're still welcome to all of the public events we organize. If you would like to, feel free to [join our Discord](https://discord.gg/RrS9XNzf9X) to chat with others in the Firefly House between sessions. This is also a great place to ask for help if you've lost a link to a video, for example. \*\*\* The Firefly House seeks to provide a friendly, safe environment in which all participants can engage in productive dialogue, sharing, and learning with each other in an atmosphere of mutual respect. We are committed to providing a harassment-free environment for all, regardless of gender identity or expression, age, sexual orientation, disability, physical appearance, body type, race, ethnicity, religion (or lack thereof), or technology choices. If you have any questions regarding this event, please contact the host.

**Welcome to the Women’s Columbus Bogleheads® Sub-Group** This sub-group is for **women who want to learn and discuss finances in a safe, supportive space**. For those interested in moving towards financial independence and retirement by learning investment basics, choosing your 401(k) investments, minimizing taxes, and more. We’re a local chapter of **Bogleheads®**, following a long-term, practical investment philosophy: [Investment Philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy): https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [Bogleheads Forum](https://www.bogleheads.org/index.php): https://www.bogleheads.org/index.php No question is too small, and no experience is too simple. Share, ask, and learn — at your own pace, without judgment, in a group of like-minded women. Let’s build confidence and knowledge **together**!

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. 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. We look forward to having you join us! This class is sponsored by the Dianetics & Scientology Life Improvement Center of Central Ohio.

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

Attend a free seminar on how to have successful and lasting relationships. At this seminar you will learn: How to spot and handle negative and toxic relationships. How to get through the "rough patches" in a relationship. How to choose the right people to work with. The three things that make or break any relationship. How to make a good relationship great. All are welcome. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. Hosted by the Dianetics and Scientology Life Improvement Center of Central Ohio.

(Note: RSVPing here on Meetup does NOT reserve your seat. To do that, you'll need to register at our website, **[HERE](https://www.coreerocks.com/Events.aspx?ID=IN-PERSON-in-Columbus-Creative-Deal-Autopsies-Wholesaling-101-14-4-7-2026)**.) The market changed—and most investors are still operating like it didn't. Deals that used to work don't. Buyers want different things. And a lot of what's being taught right now is outdated or just wrong. And, since 2011, it's been our job to make sure that our members are armed with the most up-to-date, real-world strategies for building wealth in Central Ohio real estate… …so our mission with this meeting (and every meeting) is to give you the no-hype, warts-and-all info you need to succeed. First, Wholesaling 101—a clear, real-world look at how wholesaling actually works today, what to pay, and how to stay out of trouble. Then, Creative Deal Autopsies—real investors breaking down real deals with real numbers, real conversations, and real outcomes. You'll also get the chance to put the presenters in the hot seat and ask any and every question you have about how they did their deals. You'll learn: 1. What wholesaling actually is 2. How to calculate real offers 3. Where deals are coming from now 4. What buyers want 5. How creative deals are structured 6. What contracts and terms are used 7. What can go wrong—and how to avoid it **Agenda:** 5:00–6:00: Free Light Dinner and Networking 6:00: Earlybird Meeting – Wholesaling 101 7:00: Buy-Sell-Trade (members only) 7:30: Creative Deal Autopsies Members: Free First-time guests: Free Non-members: $35 (or join for $30 instead) Remember, to actually reserve your seat, you have to go **[HERE](https://www.coreerocks.com/Events.aspx?ID=IN-PERSON-in-Columbus-Creative-Deal-Autopsies-Wholesaling-101-14-4-7-2026)** and register on our website!

Communication is everything in life You are only as successful as your ability to communicate. \- What if you could confidently talk to anyone? \- What if you had the ability to calmly control every conversation? \- What if you could close that sale\, ask for that date\, make new friends\, repair problematic relationships\, get that raise\, or effortlessly express any idea with confidence? You can! The secret to success relies on your ability or inability to effectively communicate. Attend a free seminar and gain a better ability to communicate. Hosted by the Church of Scientology of Central Ohio 1266 Dublin Road, Columbus, OH 43215 For more information, contact Rhiannon, the Event Host at 614-221-5024