Homeownership Tips

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!

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 the DC Portuguese Conversation Group at Dacha Beer Garden in SHAW for an evening filled by practicing Portuguese on Tuesday the 13th. (IF YOU ARE STILL LEARNING THAT IS FINE, ALL LEVELS WELCOME). Come practice Portuguese, build new connections and broaden your cultural/lusophonic horizons with us! Whether you are a native Portuguese speaker, an English-speaking expat looking to practice Portuguese, or simply interested in making international friends, this event is perfect for you. Come ready to engage in stimulating conversations, make new connections. Ate ja, tchau!

The weather should be good for a Tuesday evening walk of Bethesda MD. We'll meet at 6 pm outside the Medical Center Metro Station (Walter Reed Side of Rockville Pike) and walk south along Rockville Pike to Jones Bridge Road, then walk south along Maryland Avenue and Pearl Street to Montgomery Avenue, and then north again along Rockville Pike back to the Medical Center Metro Station. Total distance is about 3 miles and will take about 90 minutes.

🇺🇸 **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.**

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)

Apostolic Word Of God Church Freewill Prophetic Worship Service. Apostle Dr. David and Prophetess Dr. Marguerite Carter are inviting you to join our Sunday Worship Services. Optional Join Zoom Meeting https://us02web.zoom.us/j/83705862326?pwd=OVZHMFB6U0lrOUlIT1gxSDZ3c2w1QT09 Meeting ID: 837 0586 2326 Password: 667084 Optional one tap mobile +13017158592,,83705862326#,,,,,,0#,,667084# US (Germantown) +13126266799,,83705862326#,,,,,,0#,,667084# US (Chicago) The Purpose Of Our Worship Of God The purpose of our worship is to glorify, honor, praise, exalt, and please God. The nature of the worship God demands is the prostration of our souls before Him in humble and contrite submission. Jesus says in John 4:23-24, "But the hour is coming, and now is when true worshippers will worship the Father in spirit and in truth, for the Father is seeking such to worship Him. God is Spirit and they that worship Him must worship Him in spirit and in truth."It doesn’t say we can worship God any way we want, but we "must worship Him in spirit and in truth". The word "must" makes it absolute. There is no other way we can worship God and be acceptable to Him. God seeks true worshippers, and He identifies them as those who "worship Him in spirit and in truth". Worshipping God in spirit means that it must be done from the heart. Worshipping God in truth means that it must be done according to God has specified in the Bible. Come with Expectations: Expect to experience the Presence of the Lord. Follow the leading of the Holy Spirit and flow in the spirit. Expect "Soaking Time" This is your personal time seeking the Lord while listening to prerecorded music, as directed by the Holy Spirit. Come 15 to 30 minutes early for soaking time. Expect an atmosphere of freedom to worship and liberty in Christ Jesus. Expect the Holy Spirit to administer Spiritual Gifts in the Body of Christ: The Word of Wisdom, Word of Knowledge faith, gifts of healings, working of miracles, prophecy, discerning of spirits, divers kinds of tongues (languages), interpretation of tongues (languages), 1 Corinthians 12. Expect singing and praying in the spirit with understanding, 1 Corinthians 14:15 Expect to be filled with the spirit, speaking to yourselves in psalms, and hymns, and spiritual songs, making melody in your heart to the Lord. Giving thanks always for all things unto God and the Father in the name our Lord Jesus Christ. Ephesians 5:18-20 Expect anointed teachings/preaching of the Word Of God. Expect to lay prostrate while seeking the Lord (bring a throw blanket). Note: The above is freely administered by the Holy Spirit, subject to change, and is not all-inclusive. There is much more, but cannot be written here. Remember God sent you here for a purpose. Blessed be God and Father of our Lord Jesus Christ, who has blessed us with all spiritual blessings in heavenly places in Christ. Ephesians 1:3 We love you in Jesus's name. Apostle David and Prophetess Marguerite Carter, Pastors Apostolic Word Of God Church Inc. 13413 Marburg Lane | Upper Marlboro, MD 20772-4318 Phone: 301.780.3707 | Fax: 301.780.3708 AWOGC website address: http://www.awogc.org david.carter@awogc.org marguerite.carter@awogc.org Donate On-Line at http://www.awogc.org

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!

Please join other members of the District of Columbia Chapter of the National Association of Residential Property Managers (NARPM) for our next monthly meeting. We get together on a regular basis to discuss topics relevant to managing rentals for other owners of property in the District of Columbia and we feature speakers on specific subjects.

Looking to grow your real estate network, stay ahead of market trends, and connect with like-minded professionals? Don’t miss our local REIA, happening the third Thursday of every month. Whether you’re an experienced investor, first-time borrower, or industry expert, you’ll gain valuable insight, strategic conversations, and meaningful connections that can help you take your business to the next level. Come for the knowledge, stay for the network.

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.

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.

#### 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.

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.

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

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

Thursdays just got smarter (and sassier). 🧠🍻 Join us at TownHall Short North for Trivia Night with Marquis—where the questions are fun, the competition is friendly, and the vibes are immaculate. Grab your crew, sip something good, and prove you know random facts you absolutely shouldn’t.