Mortgage Notes

**⚡ AI & Coffee – In-Person Meetup in Metz** Since the community has been growing very fast in Luxembourg 🇱🇺, Vienna 🇦🇹, Bucharest 🇷🇴 and Belgrade 🇷🇸 we’re hosting now also events in Metz 🇫🇷! Join our in-person event on Saturday, 18 April from 15h00-17h00 in Les 3 lumières [65 Place St Louis, 57000 Metz, France](https://www.google.com/maps/place//data=!4m2!3m1!1s0x4794ddfb97809c5f:0xa3fbaf4da6636c4d?sa=X&ved=1t:8290&ictx=111). During the first part of the event, we will all gather in a circle/square format and introduce ourselves for 1–2 minutes. This gives everyone the opportunity to share who they are, what they do, and what they are looking for, while also getting to know the entire room by listening to others do the same. This has proven to be the most effective way to network with 15–30 people within one hour, and afterwards it allows you to connect more easily with those who sparked your interest. The introduction round is the most exciting part of the event, so please try to arrive a bit early to avoid missing the start 😊👆 Based on the great feedbacks, feel free to bring also your laptops if you’d like to show your work. People were very open to sharing approaches and projects, which sparked some truly deep conversations. AI is moving so fast that it’s hard to keep up alone. The best way to make sense of it is by meeting others, exchanging ideas, and hearing fresh perspectives. That’s what this meetup is about. \-\-\-\-\-\-\-\-\-\-\-\-\- ☕ We’ll gather in a local café for open conversations about: * AI news and trends (what’s real, what’s hype) * Sharing projects, ideas, and feedback * Supporting each other and creating new stories * Building connections with like-minded people 👥 **Who’s welcome?** Developers, entrepreneurs, investors, mentors, students, researchers, creatives — and anyone simply curious about AI. 💡 **What to expect** * Casual atmosphere, no commitment, no pressure * The host will share small icebreakers and sparks of AI news * The rest is up to you: meet, talk, connect, and exchange 🎉 The only cost is your own coffee or drink. Bring your curiosity and an open mind — and let’s build one of the most exciting AI communities in the area. Looking forward to meeting you all and building the AI&Coffee Metz community together.

Living in Luxembourg can feel intense — pressure, decisions, sometimes a quiet sense of being stuck. More about me: https://lindaburchi.com This is a small, informal coffee meetup to slow down, reflect, and get a bit more clarity on what’s going on in your life right now.

Meet like-minded ladies and gentlemen, enjoy easy conversations, and make genuine new connections at our Fast Friending social! **You will need to buy a ticket for attending -** [https://lux18thapril.eventbrite.co.uk](https://lux18thapril.eventbrite.co.uk) \*You can use any debit or credit card to purchase your ticket at PayPal checkout. It will ask you for your email address but that is only to send you a receipt. You do not need a PayPal account. TICKETS:- Early Bird - €5 / person Regular Ticket - €10 / person Cash at meetup: If you do not purchase a ticket in advance then you can pay Shye cash of €15 when you attend. **Here’s how your evening will flow:-** **7:00 PM – Welcome** Arrive at 7:00 PM and be welcomed by your host, Shye, who will guide the evening and help with introductions. Feeling shy? Come a little early and she’ll ease you into small-group conversations. You’re also welcome to bring a lady friend along for free. **7:30 – 8:30 PM \| Fast Friending** Chat with a new attendee every 3 minutes, ensuring you meet a variety of like-minded ladies and gentlemen. **After 8:30 PM \| Open Mingling** Reconnect with those you enjoyed speaking to and continue meaningful conversations at your own pace \- We are not a close knit tight group\. Our evenings are warm and comfortable for members attending for the first time and those coming alone\. You will not feel alone\! \- We have many groups in this city\. Members of our other groups who RSVP are included as guests of the organisers in order to give you an indication of expected people\. \- This evening is for ladies and gents in the 21 to 40 age group\. While some will be at the younger end of this range there will also be others at the other end of the range and lots in\-between\! You will naturally gel with others of your own age range and so you will always find many attendees who fit your range\. \- We are not a dating group\. Our events are not organised to manage your dating life\. Our group is created to help ladies and gents meet other like minded ladies and gents\. Please do not attend our event if a perfect gender balance is important for your enjoyment of our meet\-up\. Why do we have tickets? 1. Cover our costs - Our host is compensated for their time and work. We also pay meetup and have dedicated staff to manage our events, hosts, venues and communication. 2. Group Safety - By securing your ticket we have a record and you contribute to a well organized evening where everyone is more committed and better behaved. 3. Management - Tickets help us better manage attendee group size, book suitable space and activity. ABOUT [fastfriends.co.uk ](https://fastfriends.co.uk/)- We have connected members successfully for the past 10 years in over 30 cities (operating as Expatsclub, MeetConnectDevelop and fastfriends.co.uk). \-\-\-\-\-\-\-\-\-\-\-\-\-\- You can contact our founder Dan on +447715705005 with any questions or ideas. \-\-\-\-\-\-\-\- **Here are some videos which will give you some guidance and comfort to make your attendance more productive.** Secrets of socializing at our meetups - [http://bit.ly/secrets-socializing ](http://bit.ly/secrets-socializing) How to make new friends - [https://www.youtube.com/watch?v=v6GB0Hc_bSs](https://www.youtube.com/watch?v=v6GB0Hc_bSs)

Want to practise French 🇫🇷 German 🇩🇪 English 🇬🇧 Luxembourgish 🇱🇺 — or ANY language you can find a partner for? Then join our crew of friendly expats & locals for a night of chats, laughs & global energy 🎉 In Luxembourg, speaking multiple languages is basically a superpower 🦸‍♂️🦸‍♀️ — but this meetup is all about connection, not perfection. Beginners, pros & “I understand but can’t speak” people — all welcome 😄 Don’t feel like practising a language? 😎 No worries — you’re STILL totally welcome! come hang out, meet people & enjoy the international vibes anyway 🥂✨ Come for the languages — stay for the laughter, friendships & drinks 🍹 ✨ What You’ll Find ✔ Super chill atmosphere 😌 ✔ Expats from everywhere 🌍 ✔ Zero pressure — just vibes ✨ ✔ “How do you say…?” moments 🤔😂 ✔ Old friends & new — ❤️ 🍹 AFTER-EXCHANGE APÉRO 🤩 Languages warm-up… Drinks cool-down… Balance restored 😌🍺 Most weeks we wander to another bar afterwards for beer, bites & bonus socialising. Just follow the organisers — they know the 🔥 hotspots 😉 🪧 HOW IT WORKS ➡️ Sit with the group for the language you want to practise ➡️ Look for the table signs 📍 ➡️ Switch groups anytime — totally chill ➡️ Rare language? Post in the group & find your match 💫 ➡️ Luxembourgish shows up too 🇱🇺 ⚠️ By attending, you agree organisers can’t be held liable for regulation violations (or accidental grammar crimes 😜)

📸 PHOTO WALK: Duck Race • Luxembourg Capture **the energy of the 25th Duck Race** with **a playful, fast-paced, and community-driven vibe**. Walk, shoot, and connect with photographers & creators as we move from the **Pétrusse Valley** toward the finish line in the **Grund**. Beginners, enthusiasts, and pros — all are welcome. –––––––––– EVENT DETAILS **Location:** Pétrusse Valley → Rue de la Vallée → Grund **Date:** 18.04.2026 **Time:** 13:30 – 16:30 **Meeting Point:** **Oscar’s Bar** (9 Bisserweg, Grund). Meeting at 13:30 gives enough time to sync up and navigate the crowds to the best riverside spots before the launch. –––––––––– EVENT FLOW **13:30** \| Meet & Connect We’ll gather early at the meeting point to introduce ourselves, check gear, and move together to secure a prime vantage point on the bridges or banks before the 15:00 start. **15:00** \| Main Walk \(The Race & Action\) The "Launch." We’ll capture the 20,000+ ducks hitting the water, focusing on the vibrant yellow motion, the reactions of the massive crowd, and the contrast of the race against the historic Grund stone. **16:30** → Optional dinner or drinks nearby. –––––––––– IMPORTANT This isn’t a class. It’s not a tour. It’s a creative meetup. We’ll walk. We’ll shoot. We’ll connect. –––––––––– WHAT TO EXPECT Bring your: • Film camera • Digital camera (a telephoto lens is great for capturing the ducks in the water!) • Smartphone • Curiosity Whether you're a beginner, seasoned photographer, or just creatively curious — you’re welcome here. Spots are limited due to the event's popularity — reserve your place ASAP. –––––––––– STAY CONNECTED 📍 Join our WhatsApp group for live location & updates. 📸 Follow @takeaphotowalkcommunity and tag us in your photos. –––––––––– ABOUT TAKE A PHOTO WALK Founded in Barcelona in July 2024, Take a Photo Walk connects photographers and creators around the world through real-life creative experiences. Now Luxembourg is part of the story. –––––––––– Catch the yellow tide as it flows through the heart of the Alzette. See you in Luxembourg. 📸

*Style:* Elegant **Editorial Lifestyle Portraits** with a modern fashion aesthetic. Timeless portraits focused on feminine beauty, expressive poses, and stylish details. **Soft natural light, cinematic tones**, and a magazine-inspired look. Men are also welcome! *Price:* 180€ per person *Includes:* • **20-minute personal photoshoot** **• 5 professionally edited photos** **• Guidance with posing** • Selection of the best images after the shoot *Location:* The historic ARBED building in Luxembourg offers elegant architecture and beautiful textures that perfectly complement this sophisticated portrait style. *Recommended outfits:* Elegant dresses, black or neutral tones, minimal patterns, stylish accessories. *Available time slots:* 11:00 11:30 12:00 12:30 13:00 13:30 14:00 14:30 (Only 10 spots available) *Additional photos:* 15€ per photo Delivery time: Photos delivered within 7 days *Booking:* Reservation is confirmed after 50€ deposit. To reserve your spot please send a direct message. Photographer [@nnakoval_photography](https://www.instagram.com/innakoval_photography)

Hello Friends! The natural reserve "Prënzebierg - Giele Botter" near Petange is a great place for a walk at any time of the year. We will see interesting parts of a former mining area and some beautiful forest. There might be some white anemones left, as we saw 2 weeks ago, and loads of blue flowers on a sea of green leaves on the ground! The weather forecast is predicting some light rain, maybe, or maybe not. I suggest wearing something waterproof in any case, but also bring many umbrellas to scare the rain away! There is a great place where we can sit under a roof for our lunch break, "Fond de Gras", where you can see some machinery and trains from the mining era. We will arrive at this place after around 9km, but as usual, we'll do some short water breaks before. Depending on the temperature and the mood, the lunch break/picnic will take between 15 and 30 minutes; the earliest departure is, as usual, when Jörg has finished his lunch :) After the break, it's just 5 km back to the start, but to make it a bit interesting, I'm trying to find some new paths that I spotted on the map and never walked before. No worries, even if we get lost, a detour to get back on known tracks would be less than 1km. **Meeting Point:** We will meet on the parking near the Petange train station, on "the other side of the railway", after arriving by train from Luxembourg. The Google Maps link below shows the parking. If you come by car, please go there. When the train has arrived, we will cross the rails using the tunnel and gather on the parking before starting the hike. https://maps.app.goo.gl/nYsSjwXWc5Jbvxxx6 **Public Transport:** You can take train RB 5059 towards "Petange", leaving "Gare Centrale" at 10.00, arriving at 10:22. **Car Pool:** If you come from a completely different direction or prefer the car for other reasons, you might offer a seat to a friendly co-hiker. https://groupcarpool.com/t/snxe8v Passengers, please get into the cars of your favorite driver or place of departure. Don't forget to remove yourself from the waiting list when you find a seat in a car! **Disclaimer:** The hike is at your own risk, and please make sure to wear proper shoes and bring some water for yourself! Looking forward to hiking with you! Jens.

⚡ **AI & Coffee — Luxembourg's In-Person AI Community** AI is moving faster than any of us can keep up with alone. The best way to make sense of it — and stay ahead of it — is by getting in the same room as people who are just as obsessed with it as you are. That is exactly what AI & Coffee is about. We are bringing together Luxembourg's most curious, creative and driven minds for an afternoon of open, honest and energising conversations about artificial intelligence — not in theory, but in practice. No slides. No pitches. No pressure. Just real people, real ideas and real connections over great coffee. ☕🤖 *** 📅 **Sunday 19 April \| 15:00 – 17:00** 📍 Updown Bar (Downstairs), [28 Mnt du Grund, 1645 Ville-Haute Luxembourg](https://www.google.com/maps/place//data=!4m2!3m1!1s0x479548cd7e0b9b45:0x5081bbff1793354b?sa=X&ved=1t:8290&ictx=111) *** ☕ **What we will talk about** AI & Coffee is an open conversation — guided by curiosity and driven by the people in the room. Expect discussions around: * What is actually happening in AI right now — the real breakthroughs, the real hype * Tools, projects and experiments people are building and testing * Practical AI use cases across industries — finance, marketing, tech, healthcare and more * Ideas, feedback and fresh perspectives from people at different stages of their AI journey Feel free to bring your laptop if you want to show something you are working on. Some of the best conversations at our last event started with someone sharing their screen. 💡 *** 👥 **Who is this for?** Developers and engineers building with AI Founders and entrepreneurs exploring AI for their business Investors and mentors looking to understand what is coming Researchers and students at the forefront of AI Creatives experimenting with AI tools Corporate professionals curious about AI's impact on their industry And anyone who simply cannot stop thinking about where AI is heading If AI excites, challenges or intrigues you — you belong here. *** ✨ **What to expect** A warm, welcoming and relaxed atmosphere where everyone has a seat at the table. Our host will kick things off with a few conversation sparks and the latest AI highlights — then the rest is yours. Meet, talk, connect and exchange freely. No commitment. No agenda. No pressure. Just the kind of afternoon that leaves you energised, inspired and already looking forward to the next one. *** 🎉 **The only cost is your own coffee or drink.** Bring your curiosity, your ideas and an open mind — and let's keep building one of the most exciting AI communities in Luxembourg. 🇱🇺 👉 Register now — spots are limited and they go fast!

Harmony isn’t just a feeling — it’s something you can design. In Feng Shui, your space reflects your energy. When your environment flows, your life flows. • Clear space = clear mind • Strong support behind you = confidence forward • Natural light = vitality • Plants = growth • Water = abundance Small changes. Big energy shift. 25 Euro / person

**Ever wondered why some rooms feel peaceful while others feel "off"?** Join us for an introductory session into the world of Feng Shui — the ancient art of spatial harmony. In this 10 session, you'll get a taste of how your environment shapes your energy, mood, and well-being. **By** **the** **end** **of** **the** **full** **programme,** **you** **will** **be** **able** **to:** * Understand the fundamental principles of Qi, Yin-Yang, and the Five Elements * Read the energy of a space using classical Feng Shui methods * Identify the Dragon and Tiger positions in any environment * Assess the Feng Shui quality of a home or building on your own * Apply practical adjustments to improve the harmony of your living space **Your** **instructor:** Yemin YIN — architect (2025 ArchDaily Building of the Year nominee), Daoist cultural practitioner, and artist. She brings 3,000 years of Chinese spatial wisdom into a practical, down-to-earth format. * Trial session: €25 * Full Level 0 programme: €188 / 10 sessions * No prior knowledge needed

We are happy to extend our invitation to one and all to join the Luxembourg Shivyog Forum events every Sunday from 9.00 am to 11.15 am. Shivyog Forum is a platform of positive and like-minded people, interested in spiritual growth, self-healing and self-awareness. Every week, through virtual videos, Avdhoot Baba Shivanand ji blesses and shares the Divine sacred secrets and knowledge through discourses, guided sacred meditations, chanting of Mantras and Bhajans for overall life transformation. This helps the Forum members to progress in their spiritual journey, in establishing deeper connection with one’s inner being, in ability to forgive and love others, in improved emotional and physical health, mental peace, healthy relationship leading to the awakening and purification of the body mind and soul. If you wish to get connected with the Avdhoota and practice deep healing meditations, kriyas and bhajans that can change your life, you are warmly welcome to become a member and join us! Yearly membership fee is a nominal US$ 50 to be paid directly to India to the Shivyog Ashram but your are welcome to attend the first Forum event free.

An ink painting workshop, an ancient art practiced on rice paper or silk, which combines elegance, tradition, and artistic expression through slow and meditative gestures. You will be guided by Yemin Yin, a recognized artist trained in London and Canton. Her ink paintings are found in collections worldwide. This experience includes: • A guided 2-hour workshop to discover the timeless elegance of ink painting in a small group • With all the materials provided (ink, brushes, rice paper) • A premium floral tea served throughout the session • Chinese pastries (light dim sum style) • Your artwork to take home €49 / person No experience required.

Learn how seller finance and notes can create cash flow and new deal opportunities with 40-year investor Eddie Speed **FREE TICKET** 🎟️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp Most real estate investors only know one way to make money: Buy the property. Fix the property. Rent it or sell it. But there’s another side of real estate that can create cash flow, flexibility, and opportunity without only focusing on owning more property. At this month’s Columbus Investors Club, Tiffany and Josh High are sitting down with Eddie Speed - a real estate veteran with 40 years of experience who has closed more than 50,000 note deals. He has spent decades helping investors understand how to structure deals through seller finance and notes, and how to think more like the bank instead of just the buyer. This will be a practical conversation around a part of real estate most people have heard about, but very few truly understand. If you’ve ever wanted to know how to create more opportunities in deals, generate cash flow in a different way, or understand how seller finance actually works in the real world, this is a night you want to be in the room for. You’ll walk away thinking about deals differently, seeing new possibilities, and understanding how creative structuring can open doors that traditional investing alone can’t. **What You’ll Learn** * How seller finance works in real estate deals * How notes fit into real estate and create opportunity * How to structure deals more creatively * How investors generate cash flow by focusing on the payment * How to think like the bank instead of only focusing on owning the property * How this strategy can create flexibility in today’s market **Open Q&A - Ask Eddie Anything About** * Seller finance and how to use it in real deals * How notes work in a practical, beginner-friendly way * Creating cash flow without only relying on rentals * Structuring deals that others might miss * How experienced investors think differently about financing * Common mistakes investors make when they only focus on the property **Why You Should Be in the Room** Because the investors who win in the long run know how to do more than just buy houses. They know how to structure.They know how to create terms.They know how to see opportunities other people miss. This is the kind of conversation that can expand the way you think about real estate entirely. Come ready to learn, ask questions, take notes, and connect with people who are serious about growing in this business. **Reserve your free seat now - and be part of the conversation.** Grab your spot here ➡️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp

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

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, April 22 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.

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

**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**!

How do we recover from having had a toxic or narcissistic ex? How do we move on from the past, especially something as traumatic as a divorce or breakup? How do we avoid anxiety and depression? How do we have more self esteem? In this meeting, you will learn the mental health secrets to help you quickly get over the past and heal your mind. 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 Dianetics & Scientology life improvement center.