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Join us for a deep dive into the world of VA loans and homebuying - let's turn your service into sold and hand you keys to your new home! VA Homebuying Seminar designed for veterans, active-duty service members, and military families seeking to better understand their VA home loan benefits and how to buy a home with $0 down! This free seminar provides a comprehensive overview of the VA homebuying process, including eligibility requirements, available benefits, and key considerations for purchasing a home using a VA loan. Attendees will gain clear, practical guidance to help them make informed decisions with confidence and build wealth through real estate sharing real case studies and examples from people just like you! Seminar topics include: VA loan entitlement – understand it and maximize the benefits available to you Why Renting IS more expensive than owning – and we’ll show you the numbers Understanding zero down payment options- how you can buy a home with little to NO MONEY out of your own pocket How to use your VA loan multiple times Overview of VA loan benefits from experts with lived experience The step-by-step homebuying process Common homebuying mistakes to avoid The seminar is taught by Patrick Kappel of the Kappel Realty Group at Compass. Patrick is a retired United States Navy Lieutenant Commander and a graduate of the United States Naval Academy. He started his Navy career as an enlisted sailor prior to earning his commission. Patrick bought his first property as a young Ensign and has grown his real estate portfolio to more than 13 rental units in San Diego. Drawing on his military service and personal and professional real estate experience, Mr. Kappel offers a disciplined, educational approach focused on data, education, and service to the military community. He was named one of San Diego’s Most Influential Veterans and one of San Diego’s Most Influential Residential Real Estate Agents by the San Diego Business Journal. His real estate team is in the top 1% of large Real Estate teams in San Diego and in the U.S. Jared Kelley and his team at Barrett Financial are experts in the VA loan and working with our active duty and veteran military members to maximize their valuable VA loan benefits. He and his team have navigated and closed more than $100 million in loans for Military Families. Event details: Wednesday, February 11 from 5 – 7 p.m. Dinner & Networking from 5 - 5:45 followed by the presentation and Q&A MISSION VALLEY - 3111 Camino Del Rio N suite 905. This is a free event for veterans and military families This seminar is strictly educational in nature and is intended to provide attendees with reliable information and an opportunity to ask questions in a professional setting. Advance registration is requested. Click Register to reserve your spot. Patrick Kappel | CalDRE 02017034 Kappel Realty Group | Compass San Diego Kappelrealtygroup.com This message is intended for informational purposes only and is not an advertisement or offer to lend. All mortgage products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. This is not a commitment to lend. Please contact a licensed mortgage lender for more information and to discuss your specific financial needs. NMLS ID: 1676089

A murky corner of the financial world is now the fastest-growing source of funding for small businesses. One state, Connecticut, had given these lenders unusual power. That may be about to change.

Here is a reminder of some of what he has said - and where the US is now.

The British folk-rock band shares world-weary anthems to growing older, weathering the innumerable blows of life and coming out on the other side, hopefully a little wiser.

Data brokers buy up huge amounts of information from cell phones and browsers to sell for targeted advertising. But the government, including ICE, also buys the data.

A water contact closure has been issued for the shoreline at the locations in Mission Bay. The sewage release occurred near Snead Avenue.

Decades of metamorphosis and drag performer Joey Arias is far from his final form.

Join our creative writing workshop - a guided practice for the artist in you. We will start with a brief "Inner Yoga" practice to get present, followed by a fun creative writing exercise, a chance to share your writing if you wish, and to practice giving and receiving nonjudgmental feedback. Whether you're a beginner or a pro, settle in and let's get those creative juices flowing! Details: Duration: 60 min Platform: Zoom / link emailed after registration What to bring: journal/notebook and something to write with Host: Laurie Lamson Produced, published, award-winning writer and story alchemist bringing art, heart & soul to the creative process.

As part of Tijuana River Action Month (TRAM), come help native plants reclaim an area around the Tijuana Estuary Visitor Center. This is part of an ongoing effort to restore the habitat of the Tijuana Estuary and promote the biodiversity of the area. Specifically, we will continue the work from 2024 when the American Conservation Experience crew helped remove large areas of saltbush (Atriplex semibaccata) from the reserve. At this event, we will remove saltbush sprouts and we will plant coastal sage scrub plants such as, black sage, monkeyflower, bladderpod, and San Diego sunflower. LUNCH WILL BE PROVIDED. Ages 12 and older are welcome (minors must be accompanied by an adult and bring a signed waiver by their guardian). Register here Hosted by: CA State Parks Foundation, USFWS, and the Tijuana River National Estuarine Research Reserve (TRNERR) For more information contact: volunteer@trnerr.org / 619-575-3613 October 18, 2025 8:30 a.m. - 12:30 p.m. 301 Caspian Wy, Imperial Beach, CA 91932 Tijuana River NERR on Facebook / Instagram

As Bostonians bemoan their long years of suffering without a Super Bowl win, rival fans gripe that Title Town has become Entitled Town.