Retirement Planning

No Fooling. Agricultural Research Center Toastmasters is holding a meeting on April 1, 2026 at 5:00-6:30 pm. Come join us as we get a little silly. \-\-\-\-\-\-\-\-\-\- ARE YOU READY FOR A LIFE-CHANGING, CAREER-ENHANCING EXPERIENCE? The Agricultural Research Center Toastmasters in Beltsville, Maryland meets on the first and third Wednesday of each month to practice our communication and leadership skills. We follow the educational program of Toastmasters International. We have great success individually and as a group. Our members are from different cultures and backgrounds. Several of us are scientists for the US Department of Agriculture. Others work at the Patuxent Wildlife Research Center. Our members also are tax preparers, translators, and teachers. Each year in the spring we hold a beginners class. The next class will be in March 2026. Visit our webpage at http://arc.toastmastersclubs.org/ .

**“Why is there something rather than nothing?” is a question that lies at the heart of philosophy. In Western philosophy, it’s historically been a common idea that the world can be traced back to a single, fundamental cause. In recent times, however, this has been challenged. Perhaps there is no original cause or explanation for the world, and the question itself is mistaken. Even so, the attempt to show where the mistake lies requires an examination of the notions of existence, causality, and explanation.** **Some of the questions raised are: does the universe require a timeless, non-natural cause? What does it mean for something to be a cause or explanation for something else? Can anything be a cause or explanation for itself? Can there be fundamental objects with nothing deeper explaining them?** **Metaphysics of Causality and Explanation:** **A well-known concept in philosophy is the principle of sufficient reason (PSR). In one form, it states that everything must have a reason, cause, or ground.** **One justification for this principle is that it seems to be crucial to rational inquiry. When facts about the world are discovered, we often don’t take them for granted with no reason or explanation for their existence. When it rains, for example, the cause of the rain is the buildup of water in clouds exceeding a threshold, and then the water is released and pulled down by gravity. The buildup of water is the result of condensation of water which was previously evaporated by the sun or other heat sources. Those heat sources in turn are explained by other prior causes and so on.** **That raises the question of whether a chain of causes can be infinite. There are arguments for and against the possibility. One argument against an infinite series of past temporal causes is that if there were such a series, it would not be possible to reach the present. This seems to require an infinite number of events to pass, which is a contradiction, as an infinite series of events can’t be traversed.** **There have also been attempts to show that while infinite causal chains may be possible, the chains made up of objects which are contingent, as in they can either exist or not exist, still require an external cause.** **As straightforward as the PSR may seem, complications arise for at least some formulations of it. When combined with an account of causation in which effects must follow from their causes, it seems like the PSR requires that nothing is contingent. In other words, everything is necessary, and every event and object inevitably exists.** **However, even if some forms of the PSR have their difficulties, there may be more refined versions which hold true. Often, these refined principles are used to conclude that there is a first cause or ultimate explanation for the rest of reality.** **Candidates for the First Cause/Ultimate Explanation:** **One candidate for a first cause is an initial natural state. There have been models of such a state which are necessary or contingent, and ones which have a finite past or infinite one. Either way, the appeal of this kind of first cause is that it fits with a principle known as the causal closure of the physical. Since all observed causes and effects don’t defy the laws of nature, it may be presumed that all of causal reality is composed of natural objects. This satisfies metaphysical naturalists, but at the present state, it is problematic for a number of reasons.** **One reason a contingent first cause is problematic is the principle that “something can’t come from nothing”. If the universe, especially if it has a finite past, did not come from any prior cause, then that is a defiance of this principle. If we accept that this principle is false, then we seem to be lacking in an explanation for the observation that things don’t constantly start existing for no reason. If the universe can “pop” into existence, why not anything else?** **One modern philosopher, Graham Oppy, has suggested instead that the natural initial state is necessary. To explain the existence of the world, he claims that objective non-deterministic effects followed from that initial state. A universe with a finite past would be explained by that initial state, and so would the universe of contingent objects.** **Two candidates other than conventional naturalism for ultimate explanations of the world are theism and axiarchism.** **Theism in the West is typically construed as the assertion that an omnipotent, omniscient, omnibenevolent God exists. Theologians and philosophers also describe him as necessary, and there are many arguments which attempt to demonstrate his existence.** **Cosmological arguments are a class of arguments which start from facts about the universe to conclude the existence of God. Arguments from contingency are an example. In general, they take the existence of the contingent universe, and proceed to show that they must be caused by a being with the previously described omni-properties. Another is the Kalam cosmological argument, which asserts the finiteness of the universe’s past, and attempts to reach the conclusion of God’s existence.** **In modern day philosophy, a new argument is the appearance of fine-tuning. Based on our current understanding of physics, it is unlikely that physical constants which allow for life would result from chance, as might be expected from non-theistic worldviews. Therefore, a cosmic designer who chose those constants is proposed, and the tri-omni God is thought to be a plausible candidate for such a designer.** **The most well-known non-theistic alternative to this is a multiverse, but that faces powerful objections as well, such as lacking in simplicity and leading to results such as Boltzmann brains.** **However, a major issue with theism is the problem of evil. Many interpretations of God’s omni-properties would conclude that there are aspects of the world which make God’s existence highly unlikely. Natural disasters such as earthquakes and hurricanes are evidence that any being who did not prevent the deaths of innocents involved either was not able to prevent them, which rules out omnipotence, or not willing to prevent them, which rules out omnibenevolence. Disease, as well as human actions such as murder and sexual assault, also count as evidence against such a being.** **Axiarchism is a worldview which may account for the problem of evil better than theism. In summary, it is the view that values determine reality. This may be a non-causal relationship, but still one in which aspects of the world, such as life-permitting physical laws, are explained. It may not just be moral values which determine reality, but aesthetic or more general values.** **One description of the values is that they are abstract objects, existing outside of space and time, and having no causal relationships. They are also necessary. This is a form of platonism, and the connection between value and existence has a long history. In many cases, this was used in forms of theism, such as Thomas Aquinas who declared that God is Being. Other theologians have also claimed that existence itself is good, and that evil can only exist as absences or privations of goodness.** **The appeal of values as an explanation, whether included in a form of theism or not, is that these values would not only exist, but they are normative. They don’t just describe reality, they place aims for reality to head toward. For those who find the existence of objective value plausible, axiarchism is a powerful possibility.** **Questions:** **1. Which, if any, of the candidates for a first cause or ultimate explanation is the most likely?** **2. What alternatives could there be for such a cause or explanation?** **3. Could we ever have enough evidence to single out one candidate and eliminate the others? What would constitute such evidence?** **4. Is it likely for there to be any such cause or explanation?** We meet in person and online. In person will be at the cafeteria of the applied physics lab. Snack and drinks are available for online purchase. Pizza will be provided as well at a price of $2/slice. Online will be: https://teams.live.com/meet/93583191724730?p=hY3jxVvnOciVl2aRn5 \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-

We connect you with up to 30 Men or Women tennis partners close to your PLAYING REGION and skill level. This program is less competitive, no champions crowned, no league standings just dedicated tennis partners who want to meet up with you on the courts. Players will meet up to play a tennis match or just to hit around. Just go through the [Join Page](https://www.tennisdc.com/partner-program) to enter this program. [https://www.tennisdc.com/partner-program](https://www.tennisdc.com/partner-program)

Capoeira (capo-way-ra) is an Afro-Brazilian martial art that is unlike any other martial art. Capoeira incorporates flowing movements with kicks, dodges, and some acrobatics. It is often mistaken for a dance for those reasons. Since it’s origins in the 17th century, it has evolved from a secret fighting practice into an art emphasizing self-expression and community celebration. It is great for the body and mind! In addition to gaining strength and flexibility in class, students learn about Brazilian culture, history, and language (Portuguese). On November 26, 2014 capoeira was granted a special protected status as "intangible cultural heritage” by UNESCO. The session is offered InStudio only. **Sign up at www.piesfitnessyoga.com required at least two hours before class begins.** 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.

The Glen Echo Folk Dancers will be meeting in-person every Wednesday evening at Glen Echo Park (7300 MacArthur Blvd). **7:30 pm: beginning/intermediate/advanced teaching** **8:30-10 pm: open request dancing** Admission: $10 We strongly urge everyone to be vaccinated and fully boostered, but do not require it. If you have not done so already, please send your email address to [dancingplanet@erols.com](mailto:dancingplanet@erols.com). Note: if you are having symptoms, or if you have been in close contact with someone who has tested positive, or may be positive, please attend the class via Zoom for the next week or 2. If you attend the class and then test positive, please let me know immediately, so I can inform those who attended the class (without identifying you). See the website for more information and for Zoom link: [dancingplanetproductions.com/folkdance](http://dancingplanetproductions.com/folkdance)

Come join us for bingo at Atlas Brew Works in Alexandria. It's free to play. Win prizes on every round, and the winner of the final round gets a $50 Atlas Brew Works gift card for your next visit! More information: https://atlasbrewworks.com/pages/events#calendar-c3cfc1a3-4344-434e-a1b2-fb876f819883 Parking: Wegmans has a parking garage (via the Stovall St entrance) and is next to Atlas Metro: Eisenhower Ave (yellow line)

Come learn how money really works. We’ll cover how to grow it, protect it, get out of debt, and use smart retirement and infinite banking strategies to build long-term security.

This is part 3 of our discussion series on Infinite Jest. Participation in the prior parts is not a requirement, anyone is welcome to join in. This meeting will be dedicated to talking about the first 785 pages of Infinite Jest. We will be reading up until "17 November Year of the Depend Adult Undergarment" We will also be discussing some of David Foster Wallaces essays. The essays we will cover are - "Shipping Out" (aka A Supposedly Fun Thing I'll Never Do Again) - "E Unibus Pluram" - "The View From Mrs. Thompson's" - "Getting Away From Already Being Pretty Much Away From it All" They are not mandatory but reading these is highly encouraged. Feel free to read ahead but the discussion will only cover up until this point. This will be the third of four meetings planned for Infinite Jest. These meetings will be scheduled monthly. We will be meeting in the National Portrait Gallery Atrium. To stay up to date with events and discuss meetings or books, you can join our Whatsapp group. Please message me to get added.

Let's visit my favorite Balkan/German restaurant in Old T. In my humble opinion, they have the best schnitzel in this area! They may have a special Easter menu. If there's interest, we could go to a movie afterwards. [MENU | old-house-cosmo](https://www.oldhousecosmopolitan.com/menu-2)

Come on out to Spieda Games' weekly RPG Meetup! Come meet other players! Get a game going! Exchange contact information! Together, we can make a community grow. Bring your own oneshots or try another person's game out? I'll always have something available. Bring games! Many options! Newbies welcome, bring enough dice, paper, and pencils if you're running a game. Robert has asked me to start asking people to pay $5 for entry, but this will give you a 10% discount on anything rpg related in the store. Please actually rsvp to this post so I can set up adequate table space for the meetup.

Join us for a meetup lunch! Meet new people and make new friends. This will be a small size group for lunch. Members only please I Will have a reservation. Easy free parking! See you there!

Let us meet up for a language exchange. We will give out name tags. You write your name and what language you speak and what language you would like to exchange. ***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. All languages are welcome! However we don't guarantee the availability of a partner in that particular language, you would like to exchange. HOW IT WORKS : We will try to assign tables for each represented languages and will direct attendees to their respective tables accordingly. All languages are welcome! However we don't guarantee the availability of a partner in that particular language, you would like to exchange. 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). 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 Speaker\. 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!***

[Re-Engineer Your LIFE!](http://www.myhealthsummit.com/) **Learn from Leading Voices in Holistic Health** A full day of expert-led education, practical tools, and nourishing experiences designed to support whole-person health and lasting lifestyle change. * Insightful sessions led by doctors, nutritionists, chefs, and holistic health practitioners * Practical strategies for prevention, healing, emotional wellness, mindset, and sustainable living * Real-world guidance on plant-forward nutrition and food preparation you can use right away * Gentle movement and mindfulness moments to support balance, energy, and stress reduction * A thoughtfully prepared plant-based lunch included, plus meaningful connection with a like-minded wellness community Register and see the speaker line-up here: [www.MyHealthSummit.com](http://www.myhealthsummit.com/) Vendors and Volunteers welcome! For more info contact us at: [contact@myhealthsummit.com](mailto:contact@myhealthsummit.com) PARKING: On campus visitor parking is available at the Howard Center Lot (2235 8th St NW) for $10/day (credit card only). Metered street parking is also available nearby and is enforced Monday–Saturday, 8AM–6PM. The Shaw–Howard University Metro Station is a short 7-minute walk from the venue. Public buses are also available.

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

**Welcome to the Women’s Columbus Bogleheads® Sub-Group** This sub-group is for **women who want to learn and discuss finances in a safe, supportive space**. For those interested in moving towards financial independence and retirement by learning investment basics, choosing your 401(k) investments, minimizing taxes, and more. We’re a local chapter of **Bogleheads®**, following a long-term, practical investment philosophy: [Investment Philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy): https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [Bogleheads Forum](https://www.bogleheads.org/index.php): https://www.bogleheads.org/index.php No question is too small, and no experience is too simple. Share, ask, and learn — at your own pace, without judgment, in a group of like-minded women. Let’s build confidence and knowledge **together**!

This is an in-person meeting. At this meeting you will get answers to depression and anxiety. Find out the source of them and how to get rid of them. Did you know that unwanted emotions like anxiety, depression, unhappiness, loneliness, hopelessness, anger, fear, or feelings of irritation don’t just fall on you for no reason. They are not random occurrences that simply happen to people's minds. They are definitely not due to a chemical imbalance in your brain from some nebulous chemical reaction "by chance". Your negative emotions are the symptoms of the painful experiences that you have which are not healed, and which are still affecting you. The effects of these painful experiences are exacerbated by the pressures or difficulties of the other problems in your life. 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. Be sure to click on the red "Attend" button below to come to this local event. We look forward to seeing you there. This group is created by the Hubbard Dianetics Foundation of Central Ohio and Church of Scientology of Central Ohio.

Over 50 Happy Hour – Liberty Tavern Polaris Join us for a fun and relaxed Over 50 Happy Hour on Friday, April 10th from 4:00 PM – 8:00 PM at Liberty Tavern Polaris. This is a great opportunity to meet new people in our age group in a casual, comfortable setting. Whether you’re in your fifties, sixties, or seventies, everyone is welcome. Some people who attend are retired, while others are still working, but we all share one thing in common — enjoying good conversation and good company. If you’re new to the group, don’t worry. Many people attend solo and quickly find it easy to strike up conversations. The goal of this happy hour is simple: meet people, socialize, laugh, and enjoy the evening. We’ll be gathering at Liberty Tavern Polaris, a welcoming tavern with a warm atmosphere, great food, and a bar perfect for relaxed conversation. Feel free to come when you can and leave when you want. Some members arrive right at 4:00 PM, while others stop by later after work. There’s no formal agenda — just friendly people getting together to enjoy a Friday evening. Location: Liberty Tavern Polaris 2170 Polaris Parkway Columbus, Ohio Time: Friday, April 10 4:00 PM – 8:00 PM Come join us for a drink, good conversation, and the chance to meet some great people in the 50+ community.

Join us for lunch at Cooper’s Hawk in Easton. If the weather is nice, we’ll enjoy lunch on their gorgeous patio!

Meet at Wolfe Park parking lot by tennis courts. We willl walk along Alum Creek trail, through Jeffrey Mansion Park then along Bexley neighborhood and back. Optional lunch at Trolley District.