Mortgage

Join the North Bethesda Fiction Readers in a discussion of Hernan Diaz's *[Trust](https://www.kirkusreviews.com/book-reviews/hernan-diaz/trust-diaz/)* on Martin Luther King Jr Holiday, Monday, January 19. Kirkus Reviews describes the novel as "a tale of wealth, love, and madness told in four distinct but connected narratives." We will meet in the common area of a condominium association. I will send more detailed information to registrants about how to find us. (The concierge will not likely be helpful.) If the common area is not attractive to us, we will meet in the organizer's apartment. There is metered parking on the street; however, because of the holiday, you do not have to feed the meter

Hey Chapter 2ers - Let's Do Brunch! Join us at Founding Farmers in the Tysons Corner area to close out your 3-day weekend. Their brunch is a buffet for $35 a person. Founding Farmers is not in either mall, it is in a business area in between the 2 malls. You can get there via Metro, it's a short walk. There is a parking garage near the actual restaurant. Directions and parking info are on their website, [Founding Farmers | Tysons Corner VA Restaurant](https://www.wearefoundingfarmers.com/location/tysons/)

**The Goombay RED, BLACK & GREEN MLK HIKE 2026** Join Goombay Adventurers for a powerful and uplifting **MLK Day hike** as we honor the legacy of **Martin Luther King Jr.** the Goombay way—**in nature, in motion, and in community**. This hike is more than miles—it’s a moment. Come walk with intention, celebrate legacy, and move forward together. **Dress Code:** Participants are asked to wear **RED, BLACK, and/or GREEN** (any combination). These Pan-African colors represent **strength, unity, resilience, and pride**, and together we’ll make the trail a moving tribute. **Saturday\, Jan\. 19th \| 11am\-2pm** This is a Moderate Level hike which is open to beginners and advance hikers. The terrain will involve moderate inclines with mostly flat terrain. This trail is 7 miles. **BURNT MILLS PARK-WEST** 10701 Columbia Pike, Silver Springs, MD 20901 \* We will meet in the Burnt Mills-West Special Parking lot REGISTER AT [WWW.GOOMBAY.NET](WWW.GOOMBAY.NET) **HIKE AGENDA:** 10:45am: Hikers check in at the entrance to the visitor center. You will see the group assembling by the parking lot. 11:00am: Hikers assemble for welcome announcement 11:15am: Hike begins 2:00pm: Hike ends **SUGGESTED EQUIPMENT LIST** * Day Pack with hydration pack or water bottles * Trekking Poles (optional) * Sturdy hiking boots or trail sneakers * Small First Aid Kit (optional) * Weather-appropriate clothing (think moisture-wicking and layers) * Hat or scarf * Trail snacks & plenty of water * Wipes/Toilet Paper * Hand Warmers * Cell phone with back up battery ***If you have any questions please contact Butch at 202.210-1957***

Every 3rd Monday of the month join us for a laid back ukulele strum along and pizza party at the School of Musical Traditions lead by Director Maureen Andary! We'll start the evening out with pizza + socializing and start strumming around 6:30pm. Music provided and we always end each jam with a little blues lesson and then a blues song with an opportunity to do soloing. We are in a fully ada compliant, accessible, all ages facility with free parking! Please consider making a contribution for pizza and fun. The school of musical traditions is a new local business offering lots of free programming. :) Thank you! Register Here: https://checkout.square.site/buy/PXAUCBGCUGXYQ3OCP224N3EA

Join us as we do an invigorating outdoor walk and talk in Historic Greenbelt MD. Our goal is to walk twice around the 1.4 mile path. Should take about an hour. Afterward, those of us interested will head to nearby Cedars of Lebanon restaurant for lunch and conversation. The address for GPS is Buddy Attic Lake Park. 555 Crescent Rd. Greenbelt, MD. Meet us in the parking lot. Thank you! .....Ross A.

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)

**++++++++++++++++++++** **12:00 NOON Start** **Extended forecast: temperatures low 50s°F, partly cloudy** **++++++++++++++++++++** **The Ride: Summary** **(Must Read)** **++++++++++++++++++++** * RIDE NAME: The Koffee Klatch Ride ("Social" Pace): Valletta Espresso Bar in Old Town North * START LOC: Bluemont Park Tennis Parking Area, Wilson Blvd & N Manchester St, Arlington, VA * START GPS: [https://goo.gl/maps/6VkzVaS72LKGn9nr5](https://goo.gl/maps/6VkzVaS72LKGn9nr5) * START PARKING: Bluemont Park Tennis Parking Area (with Restrooms) * ARRIVAL: 12:00pm * SPEECH: 12:10pm ***—> \*\*you must be present for the speech or no ride for you!\*\**** * ROLLING: 12:15pm * LEVEL: Medium * PACE: 11-13 mph (Social Pace) * DISTANCE: 19.5 mi * TERRAIN: Trail / Street / Cycle path * Route: **CBG_KOFFEEK_VALLETTA_OTN_2025** * [https://ridewithgps.com/routes/53755002](https://ridewithgps.com/routes/53755002) * * **Notes:** * This ride is organized very "lean," will only expand the number of riders if I get another organizer. * Pump your tires on the morning of the ride, please. * It is strongly suggested that you become a NoVA CBG RidewithGPS club member and download the route posted for each "Klatch". * Loading the route onto your Garmin (or other Nav device) is also acceptable. * **NoVA CBG has a turn by turn RideWithGPS club account that's free. [https://www.meetup.com/novacbg/events/271742916/](https://www.meetup.com/novacbg/events/271742916/)** **++++++++++++++++++++** **The Ride: Detail** **++++++++++++++++++++** Welcome to The Koffee Klatch! These rides are normally based off the Arlington Loop, where we visit different area coffee shops or bakeries for a cup and/or treat if desired but you don't have to drink or even like coffee to participate. This week we will again do a loop to Old Town North Alexandria and sample the new [Valletta Espresso Bar](https://www.vallettaespressobar.com/), 682 St Asaph St, about mile 8.7. The ride is a 19.5 mile medium level ridden at a social pace (11-13 mph). We will get on the W&OD from the Bluemont Tennis Parking Area and ride to Old Town for coffee at a new espresso bar on St Asaph St. Afterwards we will ride back to the starting point via Columbus and Cameron Streets, up Commonweath, Monroe, DeWitt, and over Mt Jefferson Greenway to Four Mile Run Park. **+++++++++++++++++++++** **The Meeting Spot:** **+++++++++++++++++++++** Bluemont Tennis Parking Area (with Restrooms) Wilson Blvd & N Manchester St Arlington, VA 22203 GPS: [https://goo.gl/maps/6VkzVaS72LKGn9nr5](https://goo.gl/maps/6VkzVaS72LKGn9nr5) We will meet in the parking lot. **+++++++++++++++++++++** **Ride Level Chart** **+++++++++++++++++++++** NoVA CBG tries to accommodate all levels of cyclists by offering different types/levels of rides. We just ask that you come to the ride that suits your current riding ability the best. * Introductory Level: If you haven't ridden a bike in a number of years (or are uncertain of your abilities on a bicycle). * Beginner Level: You can ride for 10+ miles at a pace of 10+ to 12+ mph with potentially minor hills involved. * Medium Level: You can ride for 20+ miles at a pace of 13+ to 15+ mph with potentially moderate hills involved. * Advanced Level: You can ride for 20++ miles at a pace of 15+ mph with potentially major hills involved. Both Medium and Advanced Levels might require handling various challenges such as reading cue sheets, using a Garmin or navigation app, night riding, out of town travel, or any other odd cycling situations. **+++++++++++++++++++++** **The Fine Print:** **+++++++++++++++++++++** An RSVP of 'YES' is your digital signature and means you have read and understood MEETUP.com's: * "Terms of Service : Section 6. Release" found at https://www.meetup.com/terms/ * NOVA-CBG's "Assumption of Risk Agreement" found @ https://www.meetup.com/novacbg/pages/1942951/NOVA-CBG_Waiver/ * NoVA CBG's "COVID Policy" found @ http://bit.ly/2021_NoVACBG_COVID19_POLICY Helmets are required to participate in all NOVA-CBG rides. All riders ride at their own risk and with the understanding that cycling is an inherently dangerous activity. When coming to the meetup you do so voluntarily and are ready and able to participate in the ride as described under the conditions of the day. Be on time for the "pre-ride" preparation. If you do not attend the pre-ride preparation you will not be allowed to participate on the ride. There are NO exceptions to the above.

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!

It is irresistible, to enjoy a Spanish and Portuguese convo with appetizers, glass of wine and rail drinks. ***GRAB A DRINK AND YOU ARE ALL SET TO FLEX YOUR LANGUAGE CAPACITY. 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 try to assign tables for each represented languages and will direct attendees to their respective tables accordingly. Rules to abide : 1. Event is free and 21+ (bring ID). 2. Be respectful to your counterparts and give them a chance to exchange with others as well. 3. We all are native speakers of one or two languages and be willing to help others and try to accommodate as much as possible. 4. If you don't speak the other person's required language, LEAVE THEM ALONE. 5. Rude or aggressive members are removed from the group at an organizers discretion. 6. This is a face-to-face language exchange 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](http://info@merevents.com)). 9. When you get there, we will greet you and take you to your respective group. 10. Don't be shy of your local languages. We have diplomates assigned to different countries, who would love to practice your languages. 11\. Be patient for the first 30 minutes\, up until we form your respective language group\. 12\. We will have a registration station and check you in\. 13\. This is mainly a social for Intermediate/Advanced/Native Speakers\. It is not as such to learn a language\. Beginners\, if you want to learn a language\, reach out to us \(info@merevents\.com\)\. We have a school and will arrange you a class\. ***AFTER THE EXCHANGE, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!***

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\.

It is irresistible, to enjoy a Spanish and Portuguese convo with appetizers, glass of wine and rail drinks. ***GRAB A DRINK AND YOU ARE ALL SET TO FLEX YOUR LANGUAGE CAPACITY. 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 try to assign tables for each represented languages and will direct attendees to their respective tables accordingly. Rules to abide : 1. Event is free and 21+ (bring ID). 2. Be respectful to your counterparts and give them a chance to exchange with others as well. 3. We all are native speakers of one or two languages and be willing to help others and try to accommodate as much as possible. 4. If you don't speak the other person's required language, LEAVE THEM ALONE. 5. Rude or aggressive members are removed from the group at an organizers discretion. 6. This is a face-to-face language exchange 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](http://info@merevents.com)). 9. When you get there, we will greet you and take you to your respective group. 10. Don't be shy of your local languages. We have diplomates assigned to different countries, who would love to practice your languages. 11\. Be patient for the first 30 minutes\, up until we form your respective language group\. 12\. We will have a registration station and check you in\. 13\. This is mainly a social for Intermediate/Advanced/Native Speakers\. It is not as such to learn a language\. Beginners\, if you want to learn a language\, reach out to us \([info@merevents.com](http://info@merevents.com/)). We have a school and will arrange you a class. ***AFTER THE EXCHANGE, WE HIT THE DANCE FLOOR! BRING YOUR DANCING SHOES, WE WILL DANCE THE NIGHT AWAY!***

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!

**What makes one market a goldmine and another a money pit?** Success in real estate starts long before you make an offer. Choosing the right market and knowing how to analyze a deal are what separate confident investors from expensive mistakes. At this month’s meeting, we’ll talk about how to evaluate markets, spot demand drivers, and understand local fundamentals. We’ll also walk through how to analyze properties, run the numbers, and determine whether a deal actually makes sense before you move forward. Come for the training, stay for the networking! ━━━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID Reston event playback on YouTube](https://www.youtube.com/playlist?list=PLOTh5kxLLJI1G3VH6Pqhlhu0uTA8yrdpi) ━━━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join the online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.

A Star Trek convention

Fairfax County VA Real Estate Investors, Agents and Professionals! We just launched a Cash-Flow Breakfast Club for your area! This is the most unique real estate investor club, education, networking and mastermind event in the US! **Join us for our official launch event for Fairfax County VA** **on January 26.** **This is a 12 part education series with new topics every month. This event is session 11 of 12!** *(it is ok to attend even if you missed previous sessions. Each session has stand alone topics. You can also attend other near by locations to get caught up on sessions that you have missed.)* **This event is free but has very limited seating and we are limited to the first 50 to RSVP! Join us and become a founding member of this amazing community!** **Very limited seating. In-person only.** **Make sure to RSVP today to reserve your spot.** **When: January 26, 2026 @ 5:45PM – 9:00PM EST** **Where: 12700 Fair Lakes Circle, Ste. 120** **Fairfax, Virginia, 22033** The Cash-Flow Breakfast Club is NOT just a meet up. It’s the most unique Real Estate Investor Community of Mentors, Coaches & Masterminds. A community of growth oriented, abundance mindset, go-giver individuals with a BARE MINIMUM commitment to become financially free through real estate investing. We focus on providing education and building networks to help every member solve their cash-flow freedom equation, so they can have the time-freedom needed to follow their passions, make a lasting impact and even change the world! The unique format of this event, which consists of high-level education, gamified networking, mastermind breakout sessions, case studies, group deal analysis, market deep dives, and peer-to-peer coaching facilitation makes this the most impactful local real estate investor group a real estate investor can be a part of. The foundation of the group is built around the belief that everyone in the room has the potential to change the world… however most of us never have the time, energy or financial situation to even dare to dream big enough. Most of us have passions that will never be followed, amazing businesses or ideas that will never be pursued… unless we can solve the Cash-Flow Freedom Equation, which ultimately leads to Time-Freedom. Once that happens it is usually much easier for us to think bigger, dream bigger, be bigger. · 🤯 Learn more about the Cash-Flow Breakfast Club [HERE](https://cashflowbreakfastclub.com/) · 🥇 Get in the VIP List to be notified about the next event in your area [HERE](https://the.cashflowbreakfastclub.com/VIP) · 🤙🏼 Learn more about Launching your own Cash-Flow Breakfast Club Location [HERE](https://cashflowbreakfastclub.com/launch-your-own-club/) · 🤝🏼 Learn more about becoming an Affiliate-Sponsor at one of our club locations [HERE](https://cashflowbreakfastclub.com/affiliate-sponsors/) · 📷 View photos and videos of some of our recent events [HERE](https://cashflowbreakfastclub.com/about-the-cash-flow-breakfast-club/) · 😎 Looking to represent? Browse Cash-Flow Breakfast Club apparel and fly swag [HERE](https://cashflowbreakfastclub.com/shop/)

You must read the following NVHC Sign-in Sheet Statement/Liability Disclaimer, [https://nvhc.com/signin.pdf](https://nvhc.com/signin.pdf) and then answer the question that you will see when you RSVP with "I accept" to be permitted on the hike. This is an 6.5 mile hike with 1000’ elevation gain to Harpers Ferry, West Virginia and is perfect for those that want to experience Maryland Heights without having to do a long hike. We will begin at the Harpers Ferry Train Station parking lot. We will hike the AT and then along the Shenandoah River and then at Appalachian Trail across the Potomac River on the footbridge. Taking a left we go briefly along the C&O Canal before taking the ***steep*** trails up to Maryland Heights for lunch. We hike at a pace of 2.0-2.5 mph when moving. [Rating: C](https://nvhc.com/hikeinfo/ratings/) (Upper level C hike, almost a B) Leader: Ed Brimberg 703-944-9920 (C) Park Entry Fee: $20 or free with National Park pass. Dogs are permitted on this hike in accordance with the NVHC Dog Policy. [https://tinyurl.com/nvhcdogpolicy](https://tinyurl.com/nvhcdogpolicy) Carpools: Arrive at the One Loudoun Park and Ride at 7:45am, carpools leav at 8:00am GPS Coordinates: 39.053141, -77.459133, [https://maps.app.goo.gl/MUJ2c9E1oVYRu5Rp7](https://maps.app.goo.gl/MUJ2c9E1oVYRu5Rp7) . Suggested carpool fee is $4. ***The leader will be at the carpool location.*** Driving time to the trailhead from the carpool location \~1 hour. If you are going to the trailhead, meet at the Harpers Ferry Train Station at 9:00am, hike starts at 9:15am. A national park pass (leave on car dashboard) or $20 payment upon arrival using a **smartphone and a credit or debit card** via a QR code system. GPS coordinates: 39.324540, -77.731047 [https://goo.gl/maps/yLmDLB9cx44Bkr4z7](https://goo.gl/maps/yLmDLB9cx44Bkr4z7) Neither the Club nor the hike leaders are responsible for coordinating transportation to/from the trailhead. Hikers are not guaranteed to get a ride to the trailhead from the carpool location. Carpooling is organized by the participants and they participate at their own risk. AllTrails Map: [https://www.alltrails.com/explore/custom-routes/custom-route-4165db0?u=i&sh=7cs7ov](https://www.alltrails.com/explore/custom-routes/custom-route-4165db0?u=i&sh=7cs7ov) ***You must be experienced in hikes of this distance and elevation gain.***

Do you feel stuck in the rat race? Do you want to learn how to earn extra income and become financially free? Event outline: Arrive: 6:00 - 6:10 PM Play Cashflow and discuss Investing - 6:10 PM - 9:00 PM We welcome new and experienced players to the meetup. If this is your first game, you will have a lot of fun in a very safe, beginner-friendly environment. If you’ve played many times, prepare to be challenged! There will be a Cashflow 101 game for newer players. There will be a Cashflow 201 game for advanced players. Cost: Free Parking: There is free parking available around the outside of the building. How to get to the office: Park in the parking lot around the outside of the building. Enter in through the front doors. (The side the parking garage is on) Enter the Elevator and go up to the 3rd floor. Walk down the hallway to the end. You will see a room marked as the "Daybreak Room" The event will be inside that room Feel Free to bring in any food or drinks. There are many restaurants nearby. If you have any questions please call or text -- (240) 357-5597

Network with an average of 60+ business professionals, all attendees get an opportunity to give a 30 second elevator pitch, enjoy a light breakfast, 10 minute educational presentation on topics that change weekly, and enjoy networking before and after the meet up.

**Short-term rentals, like Airbnb and VRBO, can be a great way to make vastly more money than with traditional, long-term rentals.** BUT there are some critical differences that you NEED to know to be successful—this ain't no "set it and forget it" business. This event will cover the markets, property types, and systems you'll need to master to make this segment work. Come for the training, stay for the networking! ━━━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID Reston event playback on YouTube](https://www.youtube.com/playlist?list=PLOTh5kxLLJI1G3VH6Pqhlhu0uTA8yrdpi) ━━━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join the online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.