Mortgage Notes

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)

Whether you're new to Insight meditation or an advanced practitioner looking for like-minded people to sit with, you're welcome to join us at our Sunday morning drop-in group, sponsored by the Insight Meditation Community of Washington. Insight meditation cultivates our natural wisdom and compassion. Meditation practice develops concentration, which allows us to calm and steady the mind. This class includes a 30-minute lightly-guided meditation, followed by a short talk and time for questions and discussion. The size of the group usually runs somewhere between 25-40 people in-person and between 12-25 online. Chairs are provided, or you may bring a sitting cushion or bench. You may also use the blankets and bolsters offered by the yoga studio. **We offer both in-person and online attendance.** To learn more about our topics and teachers, view our videos or **get the Zoom link**, visit our [class page](https://imcw.org/event/?eventId=735&utm_source=MeetUp&utm_medium=referral&utm_campaign=vienna-drop-in).

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!

Join us to discuss Wuthering Heights by Emily Bronte. We will be meeting in the food court, look for the table top sign with our group name. The book discussion will begin promptly at 3. If you’d like to purchase food/beverage, please plan on arriving early to do so.

We will meet outside as long as the weather is nice. If not, we will move inside. Look out for a comment the morning of each meeting with our exact location. As we are meeting in person, please remember to bring something to read as we usually spend some time sharing our current reads and/or reading when meeting in person. As a reminder, there is no assigned reading; please bring whatever you are currently working on. This group is super casual, sometimes we read and sometimes we talk the whole time. **** NO SHOW POLICY: Due to the high number of members on the waitlist recently we are having to reinstate our no-show policy. If you sign up and no-show to 2 events you will be removed from the group. Reminders are provided weekly to change your RSVP to allow those on the waitlist a chance to come to the meet-up, no 3rd chances with be given. Please be considerate to your fellow members. Thank you! I look forward to reading you!

***The Love Letter*** begins when a forgotten letter—written decades ago with unfiltered sincerity—resurfaces in a seaside town where emotions travel faster than the postal service. Here, everyone knows your business before you do. There, a misplaced piece of snail mail becomes a time-traveling troublemaker. Everywhere, the chain reaction is cascading. Intended for one heart, it ends up stirring many. Passed hand to hand, the letter becomes a quiet disruptor, awakening longings, misread signals, and romantic maybes in people who didn’t know they were waiting for it. As the letter circulates, characters fall in love with an idea, a voice, a possibility—sometimes with someone they’ve never met, sometimes with someone standing right in front of them. It’s less about who wrote the letter and more about why we’re so desperate to believe in it. This is a Valentine’s Day film for anyone who’s ever fallen for a feeling before a person. It’s about timing that’s slightly off, love that arrives sideways, and the dangerous power of honesty when it shows up without explanation. The comedy is gentle, the romance is wistful, and the magic lies not in destiny—but in vulnerability. Perfect for our Love-themed month, ***The Love Letter*** reminds us that romance doesn’t need grand gestures or grand budgets. Sometimes all it takes is ink, paper, and the courage to believe that love—real love—doesn’t expire. **💌** ■ Title — **The Love Letter** ■ Director — Peter Ho-Sun Chun ■ Cast — Kate Capshaw, Tom Everett Scott, Tom Selleck, Ellen DeGeneres ■ Rating — R ■ ©1999 \| 1h 28m \| Comedy\, Drama\, Romance

New (old) location - La Madeleine at 500 King St! Hope to see you there

This is the sign you've been waiting for! Come write with us Sunday at 7:30 am at Kaldi's Social House in Arlington. Kaldi's opens at 7. Note: Street parking may be limited due to piled snow. There is a parking garage under the Board Room (Garfield Park Garage, 925 N. Garfield St) a short walk from Kaldi's that costs $6 Grab a coffee and join the group! We generally have 10 to 14 writers attend each week, and new folks are welcome to drop in anytime. Intros start at 7:30 am. We will write for one hour. After writing, feel free to debrief, share thoughts or get advice. Our meetups are a safe space for writers to work on their craft. No one will read or critique your writing. Kaldi's Social House website: https://www.kaldissocialhouse.net/ \* Resource \* Many thanks to Justin for putting together a shared file of resource discussed at the meetings. Feel free to add to it! [https://docs.google.com/spreadsheets/d/13LONNjZvsO5hEXM7NsBnWCgy3GgPgjAbQxE0lPxp7hc/edit?usp=sharing](https://docs.google.com/spreadsheets/d/13LONNjZvsO5hEXM7NsBnWCgy3GgPgjAbQxE0lPxp7hc/edit?usp=sharing)

Join us for *Chez Joey* at Arena Stage on Sunday, February 8 at 2PM. Our 4-ticket block in Left Orchestra Row I is full. I have Center Orchestra I-110 available and Left Orchestra H-13 available, and I can also get a ticket block in the Mezzanine (sorry, but the Orchestra just has solo seats at this point). The year is 1940-something, and Chicago’s night scene is sizzling. Enter Joey Evans. A slick-talking, velvet-voiced songster with dreams bigger than the bandstand. But in a city where the right connections mean everything, he is caught between a bright-eyed chorus girl and a wealthy widow who can bankroll his big break—for a price. As the lights dim and the music swells, Joey’s got a choice to make: play it straight or risk it all for the spotlight. This classic Rodgers and Hart score, including “Bewitched, Bothered and Bewildered,” “What Is a Man?,” and “I Could Write a Book,” now includes “This Can’t Be Love” and “The Lady Is a Tramp,” among others. Co-directed by Tony Award-winning choreographer Savion Glover and actor, director, and producer Tony Goldwyn, the stakes are high, the music is hot, and the game of romance and ambition never sounded so good.

**\*\*DATE CHANGE FROM FEB 1 TO NEW DATE OF FEB 8\*\*** Celebrate Tu Bi'Shvat inside the (free) [U.S. Botanic Gardens!](https://www.usbg.gov/) This 4th annual visit tours through rooms such as the tropic, desert, & orchid-- oh my! The 'big room' even offers a catwalk for views above the canopy! You can follow the group as we gingerly gander, or blaze your own trail. After a guffaw in the gardens, its then a 5min walk to LUNCH @[Nat'l Muz. of the Amer. Indian (cafeteria chow-line/ multi- cuisine eatery)](https://maps.app.goo.gl/WRZ4R2GQE7TDbGuB7). Meeting spot is COMPASS ON FLOOR of the main hall. Commuting via Metro advised, alight from Federal Center SW or Capitol South stations (or/bl/sv). Car parking should be available on-site. NOTES: 1\. It may be cold outside but warm\, quite warm inside\-\- Dress accordingly\. 2\. Self\-made [Youtube Video](https://youtu.be/EtCa495D694). 3\. Please consider paying dues/ donations \($16\) for this Meetup\. This can be done in person with cash\, or electronically through the waiver below\. 4\. This annual event is typically hosted around the 1st weekend in February\. A 'yes/ attending' RSVP is your digital signature that you've read, understood, & agreed to the Mosaic's [Liability Wavier hyperlinked here](https://drive.google.com/file/d/11SKNnO8e53UeSwvOZ58LPsMhRo1rTWat/view).

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 class is a perfect stepping stone from our flagship My Body Don't Bend That Way classes to traditional Vinyasa and Flow classes. The pace is slow allowing for plenty of time to get a feel for the postures and the proper alignment and modifications for your body. But don't let the slow word fool you! By slowing things down, even advanced practitioners can be challenged to build greater strength. **Please reserve your spot at www.piesfitnessyoga.com.** The session is offered InStudio and OnLine. The Zoom link for the OnLine session will be emailed 15 minutes before class starts to those who are registered at www.piesfitnessyoga.com. **Sign up for sessions must be made at least 2 hours prior to class.** The address is 1322 Prince St. Alexandria, VA 22314. Our entrance is located on the side of the building, parallel to West St. **Street parking is available and additional parking is located at Shiloh Baptist church, spaces 36,37,38,39.** The church is located across the street from the studio, on the corner of Duke St. and West St.

Experience GALA's contemporary staging of the modern classic ***La casa de Bernarda Alba (The House of Bernarda Alba)*** by Spanish playwright Federico García Lorca. Directed by José Zayas and with original music by Koki Lortkipanidze, the play explores themes of female oppression, sexual repression, and the conflict between tradition and modernity, all universal topics that resonate with audiences today. García Lorca’s ***The House of Bernarda Alba*** brims with tension, desire, and rebellion as five sisters are forced into strict mourning for their father under the iron rule of their mother, Bernarda. In this electrifying new production, passions simmer behind closed doors, secrets spark dangerous rivalries, and the pressure of a house built on control threatens to explode. This contemporary staging infuses Lorca’s classic with a sensuous, modern pulse and a dark Gothic mystery, illuminating why Bernarda Alba remains as urgent and thrilling today as ever. CAST: Luz Nicolás as Bernarda, Evelyn Rosario Vega as Poncia, María Coral as Adela, María del Mar Rodríguez as Angustias, Giselle González as Martirio, Anna Malavé as Magdalena, Alicia Kaplan an as María Josefa, and Ixchel as Amelia. PERFORMANCES: February 5 through March 1, 2026. The production is presented in Spanish with English surtitles, Thursdays through Saturdays at 8 pm and Sundays at 2 pm. Community Night is Thursday, Feberuary 5 at 8 pm. Press Night and Noche de GALA, which includes a post-performance reception with the creative team and cast, is Saturday, February 7 at 8 pm. TICKETS: $50 Premium Center, $45 Orchestra Standard, $35 Orchestra Value, and $25 Balcony Value; $35 Seniors (65+), Military, Teachers, and Groups (10+); $25 25 and Under; Community Night $20; and Noche de GALA: Chosen ticket price + $5 (per person). **[GET TICKETS](https://ci.ovationtix.com/35923/production/1245608)** This production is made possible with the generous support from the Embassy of Spain in Washington, DC, Spain Arts & Culture, and of our Honorary Producers Circle for The House of Bernarda Alba that includes Janet Farrell, Patricia Sosa, and Wanda Báez.

This is where you meet the area's 40 and 50 years young; 40 somethings, 50 [somethings.......as](http://somethings.......as/) they are known as GENERATION Xers....., who are active, self accomplished, sophisticated, young at heart, empty nesters; who would like to do things and enjoy life; who has got time and could afford it as well! ***GRAB A DRINK AND YOU WILL BE ALL SET TO ENJOY THE EVENT. YOU NEED TO GRAB AT LEAST A DRINK OR A FOOD ITEM :) 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. Direct RSVP required. We have the discretion to decide entry. Many of you were not born while we were partying:) The profile picture of this invite was taken while we were having a blast. One of our members was buying us rounds of shots. He almost spent $ 1K just on shots. LET US DO IT AGAIN! They also make us feel loved and honored, by serving, one of our signature cocktails, which is named after us - MerTini:) It will be one of the featured cocktails. Ask your bartenders:) DETAILS : * We will have a registration station and check you in. * 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. DRESS CODE : Unacceptable Attire: 1. Athletic Clothing: This Includes gym attire, sweatpants, yoga pants, and tracksuits 2. Baggy Clothing: Clothing that is excessively loose-fitting or oversized, such as baggy jeans, sagging sweatpants or oversized t-shirts. 3. Sportswear: Jerseys, team logos, and other sport-specific attire 4. Beachwear: shorts, tank tops, swimwear, and revealing clothing 5. Flip Flops: Open-toe sandals, thong sandals, and flip flops are not allowed 6. Timberlands and Steel Toed Shoes. PARKING INFO Parking might be a challenge and the event involves drinking. We highly encourage you to take a public transportation, taxi service or a ride share. DRINK RESPONSIBLY. ***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/)).*** [) [) [) [) [) [) [) [) [) [) http://photos3.meetupstatic.com/photos/event/9/3/d/600_440642365.jpeg http://photos1.meetupstatic.com/photos/event/9/3/6/600_440642358.jpeg http://photos3.meetupstatic.com/photos/event/8/e/e/600_440642286.jpeg http://photos4.meetupstatic.com/photos/event/8/5/9/600_440642137.jpeg http://photos2.meetupstatic.com/photos/event/7/8/f/600_440641935.jpeg

#### 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.

# **Band: Old Possum's Menagerie; Caller: Richard Ades** Beginner lesson at 1:30, regular dancing begins at 2:00 pm NOTE THAT WE ARE TEMPORARILY DANCING IN THE AFTERNOON INSTEAD OF EVENING. Dance with us in the afternoon then you can still go out in the evening! **Sponsor: All Soles Contra and Square Dancing, First Unitarian Universalist Church, 93 W. Weisheimer Rd., Columbus OH 43214** WHAT IS CONTRA DANCING? Picture the Grand Ball scenes like you’ve seen in period films such as “Pride and Prejudice”, where the dancers are lined up in long lines, across from each other. That’s English Country Dancing, the predecessor of contra dancing. Now, add moves like “swing your partner” and “do-si-do,” like you’ve seen in square dancing. Set it to fabulous, high energy, live music with fiddles, guitars, percussion and more, alá “Riverdance.” Finally, set the whole scene down in the middle of Woodstock, with a hip, groovy atmosphere, a bit of tie-dye, and hints of counter-culture attitude. THAT’s Contra Dancing! Wear cool and comfortable clothes (you will get warm) and clean shoes that won't mark up our nice wood floor. Be sure to come for the beginner's lesson from 1:30 - 2:00, followed by dancing 2:00 - 430. All dances are taught; we will help you learn! Beginners always welcome, no need to bring a partner. Cost is $10.00 adults, $5.00 ages 12-26. Under 12 free. Free parking in church lot. Please bring your own refillable water bottle.

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

Join us for a practical, founder-friendly deep dive into trademarks and brand protection with a licensed business and intellectual property attorney. **Speaker:** Gaea Kassatly Founder & Managing Attorney, GK Law Co. Startup & Intellectual Property Attorney In this session, we will break down what trademarks are, how they work, and how to use them strategically to protect and grow your brand. Whether you’re a startup founder, creative, or small business owner, this workshop will help you avoid common (and costly) trademark mistakes. ### **What we’ll cover:** * What qualifies as a trademark (and what doesn’t) * The core elements of a trademark, explained in plain English * Types of trademarks (word marks, logos, slogans, and more) * A detailed walkthrough of each trademark element * Non-traditional trademarks (sounds, colors, product shapes, trade dress, etc.) * Common trademark myths and pitfalls for small businesses * How to think about trademarks strategically as your business grows This is a paid event (small fee) to help ensure attendance and engagement. ⚠️ **Important note:** This event will be recorded. By registering and attending, you acknowledge and consent to being recorded. The session will include time for Q&A, and attendees will leave with a clearer understanding of how to protect their brand with confidence. 🎁 Bonus for attendees: Everyone who attends will receive a free consultation at the end of the workshop and will be entered into a raffle to win a free trademark clearance search (a $750 value).

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.

Join us for an hour of writing! We’ve discovered that it’s strikingly helpful to write with other writers. See if it’s true for you at 7:00pm on Wednesday, February 11 at Streetlight Guild. Be it a book, blog, script, essay, dissertation, resume, melody, poem or just plain work stuff, you are invited to write it with us. No one will see what you've written or give you unsolicited advice. Instead of just thinking about writing, come and get some real writing done. **SCHEDULE:** 6:45ish - Quick introductions 7:00 - Timer starts: write for 1 hour 8:00 - The End **OPTIONAL SOCIALIZING** happens before and after the writing hour. Writing is very solitary. Connecting (and sometimes even commiserating) with other writers is a cool thing. **BEING LATE IS OKAY:** just show up and get settled! If you were on time, please be willing to make room for the friendly latecomer. Happy writing & I look forward to seeing you at Streetlight Guild! **WHAT SHOULD I BRING?** Whatever you need to be able to write! You're welcome to bring earplugs/headphones if noise will bother you! **OTHER IMPORTANT DETAILS:** * **RSVP:** Please RSVP by 6:00pm the evening of the meeting. This helps me know how many to expect, and if we'll need additional space! * **COVID:** While masks are not required, please be mindful of the other writers around you and their comfort levels. * **WIFI/OUTLETS:** Outlets are limited, so please ensure your devices are charged when you come! But Streetlight Guild does have free WiFi! Yay! * **PARKING:** There is free public parking at Streetlight Guild.

A quiet writing and sharing space, Queer Quills features some prompts, supplies and friendly faces to help get some inspiration or feedback for your writing. Hope to see you there!