Mortgage Notes

⚠️日本語の案内は下にあります⚠️ Fee: ＄5(Every 5th time is free!) Girls’ Night Promotion is ongoing!(If you have a promotion pass, you can join for free.) Payment :Cash or E-transfer If you choose E-transfer, we recommend sending it before arrival to: hanano.ishida1@gmail.com (This is recommended, not mandatory.) Event Style •Group-based language exchange •Small groups of 3–4 people •Use both Japanese and English to communicate ⏰ Schedule 6:15 – 6:30 Check-in 6:30 – 7:10 Round 1 7:10 – 7:15 Seat change 7:15 – 7:55 Round 2 7:55 Wrap-up Friendly Guidelines ・Participants with 2 no-shows may be removed from future events ・This is not a dating or matchmaking event.You cannot request specific people to talk to. If you have an NG (someone you prefer not to be matched with), please let us know in advance ・Photos may be taken for Instagram and event pages. If you do not wish to appear in photos, please inform the organizer beforehand. ・Harassment, discrimination, sexual harassment, solicitation, or inappropriate behavior is strictly prohibited If you notice any issues, please inform the organizer About This Event (Important) This is a group-based Language Exchange event. ・One-on-one conversations with Japanese participants ・Conversations with participants of a specific nationality are not guaranteed. Anyone who is interested in using Japanese and/or English is welcome to join, regardless of nationality. Thank you for your understanding. 参加費:5ドル（※5回参加ごとに1回無料) ⚠️女子会プロモーション開催中！特典をお持ちの方は無料でご参加いただけます。 支払い方法 : 現金 or E-transfer ※E-transferをご利用の方は、到着前に hanano.ishida1@gmail.com へ送金していただくことを推奨しています イベント形式 3〜4人のグループで、日本語と英語を使った国際交流✨ ⏰ タイムスケジュール 6:15 – 6:30　Check-in 6:30 – 7:10　第1ラウンド 7:10 – 7:15　席替え 7:15 – 7:55　第2ラウンド 7:55　解散 参加にあたってのお願い ・2回以上の No-show(キャンセル無しの無断欠席のこと)があった場合、以降の参加をお断りします ・本イベントはデート目的・マッチング目的の場ではありませんので、特定の「話したい人」の指定はできません※NGの方がいる場合は、事前にお知らせください ・Instagram・イベントページ用に写真撮影を行う場合があります。写りたくない方は事前にお知らせください ・セクハラ、差別的発言、嫌がらせ、勧誘行為は固く禁止しています。もし見かけた場合は、主催者までご連絡ください イベントについて 本イベントは Language Exchange（言語交流） を目的としたグループ形式のイベントです。 ・カナダ人との一対一での会話 ・特定の国籍の参加者との会話 →これらを保証するものではありません。 日本語・英語を使って交流したい方であれば、国籍に関わらずご参加いただけます。

Join Us for a Cashflow 101 Game Night! Come, meet new people, and learn valuable life skills while having fun! Whether you’re a seasoned player or completely new to the game, Cashflow 101 is a fantastic way to improve your financial literacy in a relaxed, social setting. Beginners are welcome — no prior experience needed. Let’s roll the dice, strategize, and make our way out of the rat race together!

**Ready to get better at speaking in front of a room and leading with confidence?** MidTown Toastmasters is a friendly, diverse club that meets twice a month to practice real public-speaking skills in a supportive environment. We keep it welcoming and fun. **What to expect** * Quick orientation for newcomers * Prepared member speeches * Table Topics impromptu speaking * Encouraging feedback that helps you improve right away **Guests are always welcome.** You are invited to try a few meetings as a guest before deciding to join. There is never pressure to speak on your first visit. **New here?** Message us here on Meetup with any questions, or ask for Josie when you arrive and you will get a proper welcome and introduction. **RSVP notes** Please RSVP to help us plan seating. If your plans change, update your RSVP so we can offer your spot to someone on the waitlist. **When** Monday, February 23rd 2026 6:30 p.m. – 8:30 p.m. **Where** St. Matthew's United Church Oakwood Room 729 St. Clair Avenue West (St. Clair & Christie) **Learn More About Our Club:** Club’s Website: [https://torontomidtowntoastmasters.toastmastersclubs.org/](https://torontomidtowntoastmasters.toastmastersclubs.org/) **\-\-\-** **Here's what our previous guests (from August 25) said about our club:** * "It was engaging from start to end" * "I'm very impressed by how the evaluators notice everything." * "I enjoyed practicing my active listening." * "The report on the filler words is useful. I can see myself improving with this feedback."

*** **FREE MONDAY MUSICAL MEETUP: IN THE CUBES – An Insider Look at *IN REAL LIFE*** I found us another great sounding, free event to beat the February chills. Join us for a fantastic **free** Monday night of live musical theatre and behind-the-scenes storytelling as part of **Tapestry’s Free Underground Concerts** series! We’ll be attending **IN THE CUBES: A CONCERT**, presented by **The Musical Stage Company**, offering an insider look at the brand-new Canadian musical **IN REAL LIFE**. ✨ **IMPORTANT – PLEASE READ** ✨ **This event is FREE, but you MUST book your own free ticket in advance.** ️ Reserve your ticket here: [https://tapestryopera.my.salesforce-sites.com/ticket/#/instances/a0FOF0000099JEL2A2](https://tapestryopera.my.salesforce-sites.com/ticket/#/instances/a0FOF0000099JEL2A2) Learn more about the event here: [https://tapestryopera.com/performances/the-musical-stage-company/](https://tapestryopera.com/performances/the-musical-stage-company/) *** ### What to Expect This special evening includes: * Live performances from *IN REAL LIFE* by composer **Kevin Wong** * Performances by talented Sheridan cast members: EJ Candelaria, Annelise Forbes, Chris Otchere, Kayla Samson, Mea Tonet, and Lindsey Tower * Musical accompaniment by **Jonathan Corkal-Astorga** * A behind-the-scenes creative conversation with composer/co-lyricist **Kevin Wong** * Hosted by **Michael Rubinoff** (Artistic Director, The Musical Stage Company) and **Jaime Martino** (Executive Director, Tapestry) Perfect for fans of musical theatre, Canadian arts, and anyone curious about how new musicals are made *** ### Event Details **Monday, February 23** **Nancy & Ed Jackman Performance Centre** 877 Yonge St. (Performance Hall) ⏰ **Meetup Time:** 5:15 PM **Doors Open:** 5:30 PM **Concert:** 6:00 – 7:00 PM **Look for Nick** outside the venue with a **Meetup sign** before **and after** the show. We’ll gather for a few minutes afterward to chat and share thoughts on the performance. *** ⚠️ **Final Reminder:** ✔️ You are responsible for booking your own **free ticket** ✔️ Please only RSVP if you’ve secured a ticket or plan to do so Looking forward to a great night of music, creativity, and conversation — see you there! ✨

*Games Schedule* Wednesday Event: - 1 / 3 NLH - 3 / 5 NLH - $500 Free Roll Thursday Event: - 1 / 2 NLH - Deep Stack - Min 100 - Max 1000 - $500 Free Roll Friday Event: - 1 / 3 NLH - 1 / 3 PLO - $500 Free Roll Saturday Event: - 1 / 2 NLH - Deep Stack - Min 100 - Max 1000 - $500 Free Roll Sunday Event: - 1 / 3 NLH - 2 / 2 PLO - $500 Free Roll Monday Event: - 1 / 3 NLH - 3 / 5 NLH - $500 Free Roll

D60 Advanced Leadership Toastmasters is dedicated to exploring the many dimensions of leadership and helping members elevate their leadership skills to the next level. This includes in depth evaluations, workshops, debates and presentations. Join us and discover how our club can support your leadership growth by registering for the zoom link and in-person information (close to King subway station) at https://bit.ly/d60alt_mtg.

日本語の案内は下にあります Fee: $5 (Every 5th time is free!) Girls’ Night Promotion is ongoing! (If you have a promotion pass, you can join for free.) Payment: Cash or E-transfer If you choose E-transfer, we recommend sending it before arrival to: canasianstation@gmail.com (This is recommended, not mandatory.) Event Style ・Group-based language exchange ・Small groups of 3–4 people ・Use both Japanese and English to communicate Schedule 6:15 – 6:30 Check-in 6:30 – 7:10 Round 1 7:10 – 7:15 Seat change 7:15 – 7:55 Round 2 7:55 Wrap-up Friendly Guidelines ・Participants with 2 no-shows may be removed from future events ・This is not a dating or matchmaking event. You cannot request specific people to talk to. If you have an NG (someone you prefer not to be matched with), please let us know in advance ・Photos may be taken for Instagram and event pages. If you do not wish to appear in photos, please inform the organizer beforehand ・Harassment, discrimination, sexual harassment, solicitation, or inappropriate behavior is strictly prohibited If you notice any issues, please inform the organizer About This Event (Important) This is a group-based Language Exchange event. ・One-on-one conversations with Japanese participants ・Conversations with participants of a specific nationality ➡︎are not guaranteed. Anyone who is interested in using Japanese and/or English is welcome to join, regardless of nationality. Thank you for your understanding. 参加費：5ドル（※5回参加ごとに1回無料） 女子会プロモーション開催中！特典をお持ちの方は無料でご参加いただけます 支払い方法：現金 or E-transfer ※E-transferをご利用の方は、到着前に Canasianstation@gmail.com へ送金していただくことを推奨しています イベント形式 3〜4人のグループで、日本語と英語を使った国際交流 タイムスケジュール 6:15 – 6:30 Check-in 6:30 – 7:10 第1ラウンド 7:10 – 7:15 席替え 7:15 – 7:55 第2ラウンド 7:55　解散 参加にあたってのお願い ・2回以上のNo-show（キャンセル無しの無断欠席のこと）があった場合、以降の参加をお断りします ・本イベントはデート目的マッチング目的の場ではありませんので、特定の「話したい人」の指定はできません ※NGの方がいる場合は、事前にお知らせください ・Instagram・イベントページ用に写真撮影を行う場合があります。写りたくない方は事前にお知らせください ・セクハラ、差別的発言、嫌がらせ、勧誘行為は固く禁止しています。もし見かけた場合は、主催者までご連絡ください イベントについて 本イベントは Language Exchange（言語交流）を目的としたグループ形式のイベントです。 ・カナダ人との一対一での会話 ・特定の国籍の参加者との会話 →これらを保証するものではありません。 日本語・英語を使って交流したい方であれば、国籍に関わらずご参加いただけます。

Welcome to our monthly piano recital! We are a casual and welcoming group of amateur pianists who enjoy playing for and supporting other pianists in the community. To sign up to play, please post a comment on the meetup, reserving your spot. You attend, simply RSVP to the meetup. The time limit for each performer is 7 minutes. Please shorten your piece if it exceeds 7 minutes so everyone will have time to play. ======= COST ======= We use GoFundMe as a vehicle to collect donations for our costs. https://gofund.me/4ee1b739 Expand the "description" to view an exact breakdown of costs, collected donations, and the current goal. Any additional donations above the goal will be carried forward to the next recitals. Generally, performers donate a suggested donation of $20 and attendees donate what they can. ======= SCHEDULE ======= 1 Fabian 2 Christine 3 Ruth 4 Graham 5 Roberte 6 Bang 7 Sia 8 Luke 9 Yousif 10 Tarandeep 11 Shan 12 Vincent 13 Tricia 14 Victor 15 Adam .... Waiting list ( cancels and no shows) Ken L. Philip James Frank Priscila

Welcome to the profound depths of the Ancient Kabbalah — an esoteric tradition open to all sincerely seek to know. For thousands of years, its eternal mysteries have been passed down through an oral tradition known as Kabbalah, meaning "to receive." This group systematically explores the authentic doctrines and writings of the sages, providing students with a conceptual understanding of the universe’s intricate structure — including its internal worlds, aspects, and dimensions. This understanding is the foundation for all practical applications of wisdom which include meditation, unification, alchemical self-transformation, and ultimately, leading the student towards a direct knowledge of the Soul and experiencing the Upper Worlds. Our studies delve into foundational, cryptic texts like *The Zohar*, *Sepher Yetzirah* (The Book of Formation), and *The Tree of Life*. We also explore spiritual doctrines from various traditions throughout history, including both the Old and New Testaments. For the dedicated seekers, the mysteries reveal the golden thread that weaves together all wisdom traditions, sciences, and the very fabric of the universe into a single luminous and shining garment. **Meetings are held every Thursday from 7:00 PM to 10:00 PM.**

Each week there is some recommended readings to be done before we meet. **Please see the attached schedule for this week's readings.** The Bible Timeline® study program takes you on a guided journey through salvation history. Presenter Jeff Cavins will show you how fourteen of the Bible’s narrative books tell the biblical story from beginning to end and will give you the keys to understanding the amazing story woven throughout Scripture. The Bible Timeline will teach you how to read and understand the entire Bible and introduce you to the wonderful narrative of Scripture in a way that will transform your life. The online material can be bought online through the link below (optional). However, each session we can share copies for you to have discussion questions in class and reading guideline for the next session. https://ascensionpress.com/products/the-bible-timeline-the-story-of-salvation-online-video-access

Start your day the Right Way On your mark and start the day with moving your body. Requires YMCA Subscription or $10-12 drop in fee at the front desk Find me in a turqiose jacket or a black nike jacket. I started my habit of walking when I was 210+ pounds and now I’m weighing about 160 pounds. I invite you all to start this great habit atleast once a week.

❄️‍♂️ **Winter Walk Along Yonge Street + Cozy Lunch Out! ✨** Bundle up and join me for a **fun, easy winter stroll** down one of Toronto’s most iconic streets! Yonge Street is famously the **longest street in the world** and always buzzing — even in winter. From quirky shops to street performers and endless people-watching, there’s *always* something happening. ️ We’ll walk, chat, laugh, and soak in the city vibes before ending our adventure at the wonderfully **campy and cozy Old Spaghetti Factory** — the perfect spot to warm up, unwind, and enjoy a relaxed meal together. This is a great walk for anyone looking to **get out of the house, move a little, and connect with others** in a low-pressure, friendly way. **Don’t forget to join our WhatsApp group** – [CLICK HERE!](https://chat.whatsapp.com/H59mSCbsAi018gYANrKAnc?mode=ac_t) \*\*\* \#\#\# ⚠️ Important Notes ️ **Restaurant Reservations:** Reservations will be made in advance. Members who change their RSVP on the day of or do not show up will be removed from the group — no exceptions. This helps us stay in good standing with the restaurant. Thank you for understanding! **The Old Spaghetti Factory** **Menu:** [Click Here!](https://oldspaghettifactory.ca/locations/toronto/) ❄️ **Weather Policy:** Please don’t sign up unless you’re comfortable walking in the cold and possible snow. This walk happens rain, snow, or shine. The event will be cancelled only if the temperature hits **-20°C**. \*\*\* \#\#\# Meetup Details **Meetup Location:** Outside the subway station — look for me in my **Moose’s Hat! ** **Meetup Fee:** $5 cash in person **or** e-transfer to \*\*[mathewmaclean@hotmail.com**](http://mathewmaclean@hotmail.com%2A%2A/) **End Spot:** Yonge Street & The Esplanade **Old Spaghetti Factory Menu:** Click Here! \*\*\* \#\#\# What to Bring Water Good winter boots Gloves & a warm hat ☕ Something warm to drink A small snack \*\*\* \#\#\# Can I Leave Early? Absolutely! Come for as long — or as little — as you like. **REMEMBER:** You can also just show up on the day if you’re not 100% sure you can make it. ⚠️ **Note:** Occasionally things happen and events may need to be cancelled — please keep an eye out for updates. \*\*\* **Organizer:** Mathew Questions? Post on the event wall or email \*\*[torontomoviesandoutings@hotmail.com**](http://torontomoviesandoutings@hotmail.com%2A%2A/) ❄️✨ A perfect winter walk, great company, and pasta at the end — honestly, what more could you want?

#### 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.

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

You can also join the meeting by Conference Call at (518) 263-8851.

Join us as we get together to see the period drama / classic monster movie, THE BRIDE! The film is written/directed by Maggie Gyllenhaal and stars Jessie Buckley and Christian Bale in a new take on the classic tale, The Bride of Frankenstein. We'll be seeing this one on Thurs, 3/5 one day ahead of the film's opening on Friday. Here’s a description, trailer and plan for this event: DESCRIPTION: In 1930s Chicago, Frankenstein's creature asks Dr. Euphronius to create a companion for him. They give life to a murdered woman as "the Bride," sparking romance, police interest and radical social change. It is written, directed and co-produced by Maggie Gyllenhaal and stars Jessie Buckley, Christian Bale, Peter Sarsgaard, Annette Bening, Jake Gyllenhaal and Penélope Cruz. TRAILER: https://www.youtube.com/watch?v=n-qJkAXLfYM PARKING: Close, convenient parking is available in the nearby garage (located between 9th and 11th, just off High St). Bring your ticket with you and have it validated at the theater and for $2, you’re covered for the night! PLAN: Please purchase your ticket for the 7:00pm showing and we’ll meet inside the upstairs lobby between 6:40 and 6:50pm. Advance ticket purchase is advised (via Gateway website preferred). Once you have yours, please list your seat number in the Comments below! Pre-show bite at Cazuela’s next door at 5:30pm. Please arrive by 5:30pm and ask for the Movie Group! Look forward to seeing you there, Dan