Fiscal Cliff Panel. The “fiscal cliff” has been temporarily avoided, but fiscal challenges continue. Join us for a panel discussion. 6:30 p.m. to 8 p.m. Meditation Museum, 8236 Georgia Ave., Silver Spring. Free. Contact: 301-588-0144. Web site:

Online Social Media Legal Risks for Associations. This seminar will help associations navigate the legal pitfalls of using online social media by considering key legal issues and providing guidance that associations can use to minimize related liability risks. 12 p.m. to 2 p.m. RAFFA, 1899 L St. NW, Suite 600. Sponsor: RAFFA Learning Community. Free. Web site:

Start Your Business. This seminar will lead participants through the procedures for starting a small business. 11:00 a.m. to 1:30 p.m. Comfort Suites, 80 Prosperity Ave., Leesburg. $10 online; $15 at door. Sponsor: Loudoun Small Business Development Center. Web site:

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