Mortgage Notes

St. Timothy's is excited to offer support to newcomers in Canada. Our goal is to provide conversational language practice through informal instruction and feedback, alongside emotional and practical assistance. We invite all new immigrants, English language students, visitors to Canada, parents of children temporarily attending schools in Toronto, foreign university students, and anyone looking to enhance their language skills. We aim to build a welcoming community where friendships can flourish, help participants establish meaningful connections, learn about life in Toronto, and access practical resources like resume and interview preparation, shopping tips, and guidance on setting up home services or navigating government offices. We begin every Tuesday at 10:00 a.m. with a time to socialize and connect. Our formal program begins at 10:30 a.m., and each week we will have different activities and topics, including practicing English conversation, reading short articles, learning about common pronunciation and grammar mistakes made by ESL speakers, etc. Our volunteers would love to get to know you and offer gentle and constructive feedback to help you improve your English! We also offer Individual career mentoring, including job search, mock job interviews, and helping you improve your resumes and cover letters.

### THIS IS OUR RESCHEDULED FEB EVENT! ### \*\*\*\* What is The Hip Haus? \*\*\*\*The Hip Haus is an organization that exists to empower young and experienced professionals alike in the GTA and help the growth of local business. As professionals (especially post pandemic world) it is sometimes difficult to network with other like minded individuals, get good career advice or simply make connections with others you may be able to help or get help from. The Hip Haus is committed to providing social gatherings in an atmosphere where such networking can take place. \*\*\*\* Who Should Attend? \*\*\*\*The Hip Haus events are ***19+***. The focus however is the growth and development of professionals in the GTA. It doesn’t matter if you are a business owner, have a job, are looking for a job, recently graduated university/college, still in university/college, looking for others to launch a new idea or just want to meet other professionals, our events are for you. Remember that Industry is Industry. One is not better than the other to The Hip Haus. We are expecting a diverse range of industry professionals. Our events in clude professionals from Tech & AI to Entrepreneurs, Musicians, Artists, Bankers, I.T Professionals, Accountants, Investors, Advertising/Marketing Professionals, Bloggers, Authors, Lawyers, Doctors, Dentists (This List Can Clearly Go On). ALL ARE WELCOME! \*\*\*\* What to Expect at Our Events? \*\*\*\*Bring Business cards or have your LinkedIn QR code at the ready. Networking! That is the key to these events. Sure it can be a great place to hang out and have a beer with a few friends but it is important to come with an open mind to meet new people and make new connections. Build your network of friends/colleagues/advisors to help yourself as well as them. The Hip Haus wants the professionals of the GTA to come together to help foster personal and professional development. \*\*\*\* Dress Code! \*\*\*\*This is a tricky one. There is NO strict dress code but remember this; you are meeting professionals in an informal manner and we all know first impressions last forever. Come dressed in a way that would allow you to be comfortable and professional according to your industry. Consider This…would a professional musician/artist necessarily dress the same as an investment banker at work? Be who you are or who you want to be. #YoungProfessionalsNetworking #ProfessionalsNetworking #EntrepreneurNetworking #FounderEvents #FounderNetworking #AINetworkingToronto #TechNetworkingEvents #YoungProfessionalsAI #EntrepreneursAI #AIandTechToronto #NetworkingEventsGTA #IssabellsToronto **\*\* Let's Get Social!\*\*** WEB: [www.thehiphaus.com](http://www.thehiphaus.com/ "http://www.thehiphaus.com/") [INSTAGRAM](m/thehiphaus/ "m/thehiphaus/") \| [FACEBOOK](https://www.facebook.com/thehiphaus "https://www.facebook.com/thehiphaus") \| [TWITTER](https://twitter.com/thehiphaus "https://twitter.com/thehiphaus")

Join us for ESL Cafe on Mondays nights at St Paul's Bloor Street. We have groups for all levels of English: Basic English, Beginner, Intermediate and Advanced. At ESL Cafe, you can practice English conversation, drink coffee (or tea) and have lots of fun meeting other interesting people!!

January's snow storm might have killed our vibe, but we are back! Join GoGeomatics Toronto for our first networking social of 2026! These monthly socials are a chance to network with other students and professionals in the geomatics field to chat GIS, data, remote sensing, surveying and more in a casual atmosphere. Feel free to bring friends and colleagues along - we're eager to welcome everyone back for a fantastic evening! This is a free event. Please RSVP to let us know you're attending.

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

❄️‍♂️ **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?

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.

#### 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