Mortgage Notes

**Struggling with study or learning? You’re not alone.** This meetup suits people at all levels of study skill. Too many children, teenagers, and adults find studying difficult—not because they lack ability, but because they were never taught **how to learn**. This meetup introduces the basics of **Study Technology**—a practical, proven approach that shows how learning really works and how to overcome common study barriers. It applies to children, teens (and parents), teachers, and adults alike. You’ll discover simple, effective methods to improve understanding, confidence, and performance—whether at school, work, or online. Teachers and parents often see rapid improvements in both behaviour and results. Yes, it *is* possible to improve study performance—in just **five easy steps**. If you can’t attend in person, online options are available. **Join us and learn how to study effectively—once and for all.** See you at the meetup, **Pam** When learning clicks, confidence follows.

NuCalm is a patented, drug-free neuroscience technology designed to rapidly reduce stress, improve sleep quality, and aid recovery by shifting the body from a "fight-or-flight" state to a deeply relaxed parasympathetic state within minutes. [https://stamina.xosialx.com/nucalm.html](https://stamina.xosialx.com/nucalm.html) It uses neuroacoustic software, a biosignal processing disc, and light-blocking eye masks to guide brain waves from active beta states down to alpha/theta (relaxation/meditation) levels NuCalm uses a patented, clinically proven pitch and frequency matrix with non-linear oscillating algorithms to safely present your brain with precise signals, prompting what is known as a frequency-following response. Your brain synchronizes with the incoming NuCalm signals helping you naturally and effortlessly manage your state of mind by speeding up or slowing down your brain wave frequencies. NuCalm has mapped all of your brain wave frequency zones and created products to safely and predictably guide you to whatever mental state you desire. The amazing thing is, NuCalm is all-natural and works every time you use it within minutes. The best thing to do now is to watch the video on the website and download the NuCalm app. All you need is a headset and eye mask. This app purchase is covered with a 30-day money-back guarantee. Get started today and FEEL the difference even 15 minutes can make. WATCH THE VIDEO ON THE WEBSITE. [https://stamina.xosialx.com/nucalm.html](https://stamina.xosialx.com/nucalm.html)

First event of its kind as a group and after a hugely successful first event, we are doing it again! This event requires a ticket here: [Dinner and bowling ](https://www.trybooking.com/DLUJS) \*\* Last event SOLD OUT! Get your ticket! Kingpin Collins St have reached and would love to have us along for a Monday evening bowling event. Limited spaces! Provided us with a wonderful discount for bowling and offering lovely food. Your ticket gets you 90 mins of bowling and arcade. **On the night timeline** 6pm arrival 6:30pm meals served 7:15pm we start bowling/arcade (split into two groups) 8:45pm we reconnect for a drink and debrief **On arrival:** Downstairs, mention you’re with Rainbow Social and staff will point you to our spot. If you arrive late: It’s best that you arrive before 7pm, call or text if you’re able late The space is brand new! Grab your ticket and do NOT miss out on your spot!

The Buddhist spiritual path centres on our own mind’s vast potential for peace, compassion and wisdom. True lasting happiness does not depend on external factors but comes from looking inwards to better know our own mind and heart. This course presents key insights from the Buddha’s life and teachings to show how, through meditation and shifting our focus inwards, we can find true, unending contentment. This course presents key Buddhist frameworks that guide our path, including: * The three vehicles of Buddhism, which progressively show how we can nurture our innate peace, compassion and wisdom. * The four seals, which encapsulate what is unique about the Buddha’s teachings and sets them apart from other religions and philosophies. Including teachings from foremost Tibetan masters of our time, space for contemplation, reflection and discussion, and guided meditations, this course will give you practical tools to help you work with your mind and take charge of your spiritual path. **Details** Where: Attend in person at Rigpa Melbourne, 803 Nicholson Street Carlton North. **When**: Monday evenings, for 9 weeks, starting 27 April 2026, a break on 8 June 2026, and finishing 29 June 2026. **Time**: 7.00pm – 9.00pm AEDT. **Cost**: 9-week module: Full $180, Concession $90. **Register here:** [https://rigpa.org.au/event/this-life-the-buddhas-guide-to-inner-transformation-melbourne-april-june-2026/2026-04-27/](https://rigpa.org.au/event/this-life-the-buddhas-guide-to-inner-transformation-melbourne-april-june-2026/2026-04-27/)

Welcome to Melbourne Volleyball Academy. 🤗 **[[WHAT]]** This session is specifically for games only (no training). There will be a cap of 18 players, allowing for 3 teams of 6. Games will be played to 15 points, with a cap at 18 points. These games are intended to be played at a high-intermediate(BB)/advanced(A) level. Please see an explanation of skill levels on our website here: https://melbournevolleyballacademy.com.au/skill-levels-explained **[[WHO]]** The session is intended for Intermediate players. Players should be able to: * Have strong fundamentals for all volleyball techniques * Serve receive a majority of serves well & serve over the net consistently * Basic understanding of 5-1, and 6-2 systems (we do not play a pass middle 4-2 system in this session) * Have an understanding of base defense * Know all/most volleyball rules Players that are not of the intermediate(BB)/advanced(A) level will be asked to leave as we want to ensure that all players have an enjoyable time playing. **[[HOW MUCH $$]]** $14 card payment will be processed on the day via square reader (EFTPOS). **[[WHEN]]** The stadium is booked from 7 PM-9 PM weekly, every Monday. However, feel free to come early and stretch as the Community Centre is open earlier. Last minute dropouts and no shows will have a zero-tolerance policy going forward. All players are expected to update their RSVP at least 24 hours in advanced if they are unable to attend. This applies to players on the going list and the waitlist. **[[OTHER DETAILS]]** Only those on the “going” list are permitted to play. If you are on the waitlist, or not registered at all, you will not be permitted into the gymnasium.

**Third Monday of Every Month\, Trivia starts 7 PM \| Free Entry \| Prizes & Glory Await** Strut in, sass up, and get ready to slay. Drag Trivia is taking over the Tavern. Gather your crew, beat that mug, and prepare for a night where **charisma meets cunning** in a fabulous battle of brains. Hosted in the heart of our bustling Fortress Tavern, this isn’t your average trivia night. Expect a **chaotic blend of pop culture, gaming, queer icons, fantasy, film, and fierce curveballs**, served with high heels and higher stakes. 🎁 **Epic Prizes** 🍹 **Themed & Fabulous Cocktails** 👾 **Gaming Lore & Curveball Rounds** 💃🏼 **Immersive Vibes. Medieval Energy** Whether you’re here for the glory or just for the vibes, Fortress Trivia Night is your new Monday night quest. Entry is free, but tables fill fast, so rally your crew and **[book your spot](https://events.humanitix.com/melb-drag-trivia-fortress)**[.](https://events.humanitix.com/melb-drag-trivia-fortress) *Registered attendance on Meetup doesn't guarantee you a ticket.* 🤳Hosted by the fabulous **Lynn Duh** **TERMS & CONDITIONS** * *Fortress Melbourne is a licensed venue, and as such, a valid ID is required and checked upon entrance to the premises.* * *Unaccompanied minors are not permitted in the venue at any time. Please make sure any guests under 18 are accompanied by a responsible adult at all times.* * *Minors are not allowed in the venue past 8:00 pm; as such, Drag Trivia is an 18+ Event* * *Any drink tokens must be redeemed on the day of the event, and standard RSA applies* * *No outside food or drinks.* *More information on valid forms of identification and Fortress' minors policy can be found here: [www.fortress.games/minors/](https://www.fortress.games/minors/)*

**\*\*\*This is a pre-booking event. Please visit [artmasterclass.com.au](https://www.artmasterclass.com.au/) choose your lamp, use the MEETAMC10 coupon code, and make a reservation.\*\*\*** Join us for a hands-on workshop where families can learn the art of creating beautiful Turkish lamps together. This unique and engaging class will guide parents and kids through crafting intricate and colorful lamps. No prior experience is required, as our expert instructors will provide step-by-step instructions on design, assembly, and decorating techniques. This workshop is perfect for families and friends to bond, unleash their creativity, and take home a stunning handmade craft that can brighten any room. Come discover Turkish lamp-making's magic with your little ones in a fun and supportive environment. In this 2.5-hour workshop, you'll lose track of time and end up with a beautiful lamp to take home!

Coburg’s oldest hotel has been transformed into a hidden wonderland, including a massive dog-friendly beer garden out the back. Featuring a range of curated craft beers on tap, delicious pub meals and friendly staff. Thursday night is $25 steak night, so why not join us for some food and laughs over dinner. Still not sot sure? Why not check out their menu. https://thewoodlands.com.au/eating/ A $20 non refundable deposit is required for this event and will be refunded on the night. The deposit will be required 48 hours from RSVPing to the event or you will be moved removed from the event. Please make payment to the following account only if you are on the going list. BSB 013125 Account 150808654 Please let me know once payment is made. PLEASE USE YOUR NAME AND VENUE AS YOUR REFERENCE. Please only RSVP to an event if you fully intend to show. Pulling out of a dinner or another booked event (with a venue) on the day is a kick in the teeth for both the venue and the organiser. I understand there are instances where this is unavoidable, but you are short changing the venue on the revenue they are reliant upon, especially when it comes to paying their staff. It may be too late to rebook those tables with other patrons. Not to mention the stress this puts the organisers under. Please be considerate.

Hi Radiant Ladies, A morning walk through the Royal Botanic Gardens, followed by coffee and good conversation — simple pleasures, wonderful company. Join us for a gentle, refreshing start to the day in one of Melbourne’s most beautiful settings. All welcome. Looking forward to seeing your lovely faces! ☕🌿 Lyn 🌸

Melbourne Central Food Hall on Level 2. Far back corner near large windows to outside. Look for the colourful piano! See below for exact instructions on finding us. IMPORTANT: Please turn up if you RSVP. Other writers are counting on you being there with them so no one sits alone!!! Currently we have part-time hosts and regulars who will turn up and sit together. EVERYONE, please keep a look out for newly arriving people in the group and make them feel welcome, especially if they say: Are you with the writing group? If you arrive first and have an A4 piece of paper, it is a good idea to write on the paper: Writing Group. This way everyone will find each other. Bring your writing tools, and anything that you have written recently (optional). Remember your earphones if you like to listen to music while you write. There are no rules :) You can write. Or you can chat and write. You can share your work. Or not share your work. (If you need silence to concentrate then headphones are a good idea considering it is in a public space.) Bring pen and paper as a backup. Melbourne Central wifi available. Who: People who write and/or want to write (more) What: An open group of writers who meetup in a stimulating space to write together, share writing and ideas and support each other’s writing goals Why: Inspiration, motivation and space to write. Where: Melbourne Central - see photo for our location. Red shaded area would be ideal if available when you arrive. Detailed instructions if you do not know the area: 1) Go to the Shot Tower (the old building inside Melbourne Central with the big cone glass roof above it). 2) Go up the the escalators (there’s only one set of up- escalators near the Shot Tower, you can’t miss it). 3) You are now on level 2, Dining Hall (there are signs to the right, just slightly, stating this). 4) Top Juice store is to your right. Turn right so you pass Top Juice and walk toward the food hall. 5) You are now in the food hall near a black piano. Go past this. Go to the seating at the far back corner where there are large windows facing outside. 6) Look for us writers. There should be a sign on the table. Call out your hosts name and ask if this is the writing group. We will say YES, here we are! Additional hosts wanted!!! Please contact Mat Clarke. Please only RSVP if you can make it. And also un-RSVP if you need to cancel. Thank You, Melbourne Writers. Great Links: Facebook: https://www.facebook.com/MelbWriters What we have written so far: www.worldwriterscollective.com Twitter: https://twitter.com/MelbCityWriters Blog: http://melbournewriters.wordpress.com **Help us by adding to these social pages and site**

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.

12:45-3:45 in Conference Room B, Library lower level. Bring your yarn projects, meet new friends. If you've RSVP'd yes but cannot attend, please change your RSVP to no so those waitlisted can move up in line. Plenty of parking in the lot, in the overflow lot across the street, and on the street. See you there!

You can also join the meeting by Conference Call at (518) 263-8851.

We'll get in around 4 miles at Three Creeks Metro Parks, primarily natural trails. 17-18 minute miles, no one left behind, and faster walkers are free to lead out. Optional lunch after! If you're joining for hiking all the metro parks, this is the sixth one!