Homeownership Tips

Get ready for one of the most fun and legendary nights - BINGO NIGHT is HERE! We’re talking: ✨ Big energy ✨ Big laughs ✨ Big wins ✨ And an even bigger Social Sips & Bites crew bringing the hype! Whether you’re the quiet strategist or the one who screams “BINGO!!!” before the last number even lands, this night is for YOU. We’ll play multiple rounds, cheer each other on, enjoy drinks, snacks, and nonstop fun. This is the perfect chance to meet new people, hang with friends, and make some epic memories. Bring your energy. Bring your luck. Bring your hype.

First Friday Spades in Columbia at The Green Turtle, 6:00 - 12:00am. The Greene Turtle Sports Bar & Grille 8872 McGaw Rd Ste C, Columbia, MD 21045 😀 The event location is 1.5 hours from Wilmington, Delaware. 😀 All skill levels are welcome. Bring a partner or come alone - we will pair you up on the spot. We supply the cards, paper, and pens. Please support the business by ordering food and drinks. Don't forget to tip your server! Plenty of free parking available.

Please do not arrange to play earlier than the scheduled start time UNLESS you are able to stay till the end of the event, we do not want people leaving early and creating uneven numbers. Hello members, Tennis has become much more popular since the pandemic started and court space has been harder to come by. Following these simple rules will help everyone get the most out of MoCo Topspinners Meetup. • If you RSVP for an event, please attend that event or cancel at least two hours before the event starts. Members that no-show will receive one warning then will be benched (suspended) from events for two weeks. Three no-shows can result in a permanent ban. (No-shows create uneven numbers and prevent folks on the waitlist from playing. Please do your part to un-RSVP as soon as you know that you cannot attend an event.) • Members must have a way to communicate with organizers and hosts. This can be through the Meetup app messages or by providing other contact info. • Any member can ask a host or organizer to have their skill rated for event attendance purposes. You will not be allowed to participate in events higher than your NTRP rating. (We may try to limit numbers or have multiple events on a given day to accommodate players of different skill levels and also to help alleviate the court availability problem). • All members shall conduct good sportsmanship and be courteous to other members at all times. • Sexual harassment, racism, sexism or any kind of intolerance will not be tolerated and will result in the permanent ban from the group. • If member receives three warning infractions, the member will be suspended from the Meetup for a period of one month. If a member is suspended twice (six warnings), that member will be permanently banned and any membership dues will then be forfeited. • If you are scheduling to play with others outside of a MoCo Topspinners event, and you know that there is a MoCo Topspinners event scheduled for that day at that time, please try to use courts other than the courts where the event is scheduled, or move your time so that it does not conflict with the Topspinners event. For a list of complete rules and definitions you can see the MoCo Topspinners front page. If you have questions, don’t hesitate to contact us. We are hoping for a fun season but we may have to wait for courts and leave earlier than we are used to. Please be patient as we adjust to this new normal and try a few different things that will hopefully help the situation. Happy playing! If you would like to attend this event you must be a of minimum 3.0 level. USTA guidelines prior for signing up for the Meetup: https://assets.usta.com/assets/1/15/ExperiencedGuidelines_02142011_V2pdf.pdf Singles and doubles game play flexible depending on court availability. If you have any questions, please feel free to drop the group organizers a message. Looking forward to a great 2021 season- see you on the courts! • What to bring Tennis Balls and Racket, Water.

All professionals in the DMV and MidAtlantic area are invited! This event is to every and each professional in different industry, sector and specialization to grow, interact, and learn from each other. It is designed to provide a professional environment, to meet other professionals, to broaden one's career. It is also for those interested in careers and are studying or intend to enter the dynamic world of global professionalism. ***GRAB A BOOZE OR A BITE AND YOU WILL BE 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. HOW IT WORKS : We will give out name tags and you write your name and your industry/sector/specialization. However we don't guarantee the availability of a partner in that area. DON'T FORGET TO BRING YOUR BUSINESS CARD. Rules to abide : 1. Event is free and 21+ (bring ID). 2. Be respectful to your counterparts and give them a chance to connect with others as well. 3. We all are professionals in one or two fields and be willing to share your knowledge and experience to others and try to accommodate as much as possible. 4. If you don't belong the other person's required specialization, LEAVE THEM ALONE. 5. Rude or aggressive members are removed from the group at an organizers discretion. 6. This is a face-to-face networking event. DO NOT try to arrange an online meeting, by using the comment box or direct message. 7. 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. 8. 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](mailto:info@merevents.com)). 9. When you get there, we will greet you and take you to your respective group. 10. ***Please be patient for the first 30 minutes, up until we form a group with your respective industry/sector.*** ***AFTER THE SOCIAL, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!*** \- Come one\, come all; 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\. \- Celebrate your birthdays or your moments in life with us\. ***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/)).*** **FOR FURTHER INFO, REFER THE EVENTBRITELINK. IT RULES.** [) [) [) [) [) [) [)

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)

Join us for a hilarious evening of comedy at **El Rey**! Get ready to laugh your socks off with the **DMV's best comedians**! This **Standup Comedy Night** is sure to be a blast! Best of the night gets a cash prize -- and you get to decide the winner! Time: **8:00 PM** Location: **4201 Wilson Boulevard, Arlington, VA 22203** Come and enjoy a night filled with laughter, good vibes, and unforgettable performances. Our talented lineup of comedians will have you rolling in the aisles. From witty one-liners to hilarious anecdotes, they'll keep you entertained throughout the evening. ***\*RSVP for free, but please tip! Cash/Venmo/Paypal/Cashapp/Plasma accepted!*\*** Eventbrite link for Free RSVP: [https://www.eventbrite.com/e/free-comedy-night-at-el-rey-please-tip-tickets-1982130803591?aff=erelexpmlt](https://www.eventbrite.com/e/free-comedy-night-at-el-rey-please-tip-tickets-1982130803591?aff=erelexpmlt) Don't miss out on this incredible opportunity to experience the **DMV's finest comedic talent**! Comedians have performed on TV, the DC Improv, The Kennedy Center, Arlington Cinema and Drafthouse, and many more clubs and venues! Best of all, admission is **FREE**! So grab your friends, reserve your seats, and get ready for a night of non-stop laughter. We can't wait to see you there! The food and drinks will be great, even if someone bombs on stage! From the creative team that brought you the popular El Rey on U Street in NW DC, comes a new taqueria & margarita bar located at the Ballston Exchange in Arlington. El Rey VA’s fiesta atmosphere features our signature margaritas, delicious tacos, and a few extra treats exclusive to the Ballston location. This event is produced by Callback Comedy.

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!

The [Simplicity Living Study Circle of Northern Virginia](https://www.coachingwithdanijk.com/study-circle) meets on the first Saturday of each month from 4:00 to 5:30 PM at Lacey Woods Park in Arlington, Virginia. **This is rain or shine outdoor event.** This free community group offers a unique and empowering space for individuals seeking to live a simpler, more intentional life. Led by participant-driven discussions, our circle is designed to foster connection and support as members share their experiences, wisdom, and insights on simplifying their lives. Hosted by members of the Simplicity Living Circle of Northern Virginia, we aim to bring together like-minded people who are passionate about mindful living and environmental care. Whether you're new to the journey of simplicity or looking to deepen your practice, we invite you to join us in this nurturing and inclusive environment.

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

Shilohites Toastmasters meets every 2nd and 4th Sundays. Meetings start at 4:00 pm, and last one hour. We are a community club open to all. Parking is free. We focus on personal goals for professional development.

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.

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

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.

#### 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.

Hello everyone! For our first dinner together, we’re keeping things low-key and casual. Take a look at the menu and let us know what you think we want this to be easy, relaxed, and enjoyable for everyone. Quick housekeeping note: many restaurants require most of the party to be present before seating. No-shows impact the entire group, so if someone repeatedly commits and doesn’t show more than once, we’ll have to remove you from future dinners to keep things fair and smooth for everyone. Looking forward to a great night and even better conversations 🍽️✨