Mortgage Education

Hi Radiant Ladies, After our Saturday walk, join us at Windchimes Café for coffee, friendly vibes, and a relaxed catch-up. 🅿️ 2-hour parking out front. See you there! Lyn 😀

Hi Radiant Ladies, Join us for a refreshing Saturday walk at Ruffey Lake Park. 👭 Walk at your own pace 🐕 Dogs welcome ☕ Coffee after 🌦️ We walk every Saturday (unless it’s pouring) New ladies welcome. See you! 
Leanne & Lyn 💕

📚 #InPursuit is a book club for entrepreneurs, creatives, and curious minds who know personal growth fuels business growth. **See a lot of RSPVPs and wonder how it works? We'll break up into groups of 6-8 to share our insights, then swap groups after 30-45min so you can maximise learning from everybody!** *Note: this even is not organised by or affiliated with The State Library of Victoria* **That's what #InPursuit is all about** It’s not a traditional book club, it’s a space for people who are actively designing a better life through the pursuit of business, creativity, and personal growth. This event is for anyone #InPursuit of better business, life and relationships. Instead of reading the same book, we each come prepared to share one powerful insight from something we’ve read in the past 3-months. Anything non-fiction that’s moved us forward. Whether it’s a mindset shift, a productivity system, a new philosophy, or just a truth that punched us in the gut. This is a place to unpack it together and hear what others are learning too. We’re not just here to *read*. We’re here to *integrate*. Because when we grow, our business and our lives grow too. **🔍 Why Join? You'll leave with:** * 5–10 fresh insights from books you may never have picked up * Deeper awareness of how others think, lead, and evolve * New connections with people walking a similar path toward purpose, results, and impact This isn’t a lecture. It’s a room full of people building themselves while they build the thing. **📖 How It Works** First time? No pressure to share, just come curious. We'll break up into groups of 6-8 and share our insights, then swap groups so you can maximise the learning! Returning? Bring one idea you’ve read about in the last 3-months and be ready to speak on: 1. What did you learn? 2. How did it shift your perspective about the world or yourself? 3. How has it changed the way you show up or behave? We keep it structured, but flexible. After sharing, we open up to Q&A, personal stories, challenges, and deep dives. Some of the best insights come from the conversations *after* the share. **🧠 Who This Is For** * Entrepreneurs or side-hustlers finding their footing * Business owners, and doers building toward better * Curious minds who love ideas but care more about action * People tired of shallow conversations and hungry for growth If you’re working on something—or becoming someone—this space is for you. It’s a practice ground for people who want to grow forward. We’re all #InPursuit of mastery, momentum, and the kind of success that starts from within. **Map on how to get there** We're in the Create Quarter on the ground level (back right of the Quad as you enter from Swanson St). We'll likely be on a long table together. https://www.slv.vic.gov.au/sites/default/files/SLV-EnglishMap_Jan25.pdf *If there is no room at a table I'll post on the event page that we'll be going to Mr. Tulk Cafe, which is on the corner of the library at Swanson St and La Trobe St.*

An Intermediate-level ride with hills. See below: This is a **Saturday** ride to **Petty's Orchard** (for brunch / lunch) via **Park Orchards** and followed by further cycling through Eltham North to the **Research Aqueduct** path before returning to our starting spot. (Map link below) NOTE: A fair degree of fitness is required with some short steep hills involved in this 75km ride. This ride suits upper intermediates best. More info on Petty's Orchard: https://www.manningham.vic.gov.au/venues/pettys-orchard **Forecast**: 19° - 33°C. Partly cloudy. Medium chance of showers, most likely later in the day. Light winds becoming south to southwesterly 20 to 30 km/h during the day. https://reg.bom.gov.au/places/vic/templestowe/forecast/detailed/#d2026-02-07 **Total distance**: 75 Km **Speed**: 25Km/h typically. Could be faster or slower. We'll regroup as required. **Recommended bike**: Gravel bike or road bike. A light road bike is best. Some of the route is on good quality gravel paths but should be okay for road bikes. Mostly we are on sealed paths and a small amount of local roads. **Map, Profile and GPX** : https://ridewithgps.com/routes/20763219 \* * Note there are detours along the Koonung Trail which have not been included in the map because they keep changing * If it gets too hot in the afternoon we might terminate the ride early and shortcut our way back. **Getting there**: 1. Cycle about 5km from central Melbourne or 2. Train from, eg, **Flinders St** station platform 1 Mernda line train to **Clifton Hill** and ride the short distance to Westgarth Station \*Tap on the red pin on the location map in this event for directions on your device should you need them **Bring**: -Sunscreen, water, spare tube & tools -Your phone with my number -Emergency Contact Details \* Please check your tyres for condition and pressure before the day. **Contact**: Neil Griffiths - 0419 560 409 **Photo**: Petty's Orchards Cafe - (Apr '21) - Pic by LeAnn **\*EMERGENCY CONTACT DETAILS** : Please ensure you carry these on you in case of a medical emergency. ie Family member's name, phone number and relationship (eg, Sister). Written down preferably and with your personal items so it can be found by emergency personnel. There is a link to a template in our Meetup homepage (mobile or web browser) down in the discussion area. https://www.meetup.com/melbournecycling "All riders are riding at their own risk and Melbourne Cycling does not take any responsibility for any injuries or accidents you may have on any of our rides"

Whether you're a Christian or not, this is the place for you! Every Friday night we get together for fun, games, free food and great discussions🙌 Messages for exact address! Come along to see what the Bible says about 'Dating, Friendship, Money, Fear and much more'. Most don't RSVP so we usually have about 10 - 15 attend. Contact for more details! Sean: 0490 696 844 Teigan: 0490 703 387

**\*\*\*RSVP PROCESS - CRITICAL INFO\*\*\*** Please be aware, we don't use the Meetup website to take RSVPs, so you will need to register on this link to lock in your place (bookings essential) - [https://propdev.info/uMKh](https://propdev.info/uMKh) We run events most weekends around Australia so you can attend either physically in your local area, or live-stream to any event around the country. **In-Person:** 1:30pm (Melbourne time) to 'Mingle With The Expert' **Virtual:** 2pm (Melbourne time) **INTRODUCING THE INDUSTRY EXPERT:** *Getting Roads Right in Property Development! DPM Consulting Group (John Mathios)* Your feasibility looks solid until road construction, sewer, stormwater, soil conditions and council bonds start blowing the budget. This is where many mum-and-dad developers get caught out. Road networks cost more than expected. Sewer and stormwater requirements change mid-process. Soil conditions add scope and dollars. Then come the bonds, tying up large chunks of cash for far longer than planned. Miss any of this, and your profit margin quietly disappears. That’s why you need to hear from **John Mathios** of **DPM Consulting Group.** John works directly with councils and developers on real-world road construction and infrastructure delivery. He’ll break down the actual costs behind: • Road construction and RD networks • Sewer and stormwater infrastructure • Soil risks that impact construction budgets • Council bonds what they really cost, when they’re paid, and when you get your money back If you want to budget accurately, protect cash flow, and avoid nasty surprises, this is a session every serious small-scale developer needs to attend. **INTRODUCING THE REAL DEAL:** *5 Townhouses (Sunny Katyal)* *1040m2, GZ, Frankston, Victoria* You’ve found a block online, zoned for development and the numbers look great. You think it’ll be smooth sailing until reality hits. **Sunny Katyal** this month’s Real deal presenter knows exactly what that feels like when he secured a site in a general residential zone, planning a 5-townhouse project, everything that could go wrong did go wrong. Lender delays, a builder going bankrupt, and the challenges of managing a project from a distance. Margins squeezed. Stress levels skyrocketed. What should have been a simple townhouse development turned into a real-world lesson in resilience and problem-solving. At our next Property Developer Network Meetup, Sunny will share the real, unfiltered story of this 5-townhouse project from purchase in 2020 to completion in 2026. You’ll learn: • How he navigated lender issues without derailing his project • How he managed builders and contractors to avoid costly setbacks • How he handled managing his site from a distance • The hard lessons and practical strategies he learned to keep the townhouse deal profitable If you’re a mum-and-dad developer wanting to see the reality behind the numbers, avoid rookie mistakes, and learn strategies that actually work, Sunny’s story is not one to be missed. ***This is your chance to talk property with other enthusiasts!*** See you all soon!

We're doing a special uke session in Mordialloc! Thanks to Helen and Mike for suggesting the idea and making it happen. I hope you can make it, it's a beautiful location and community space. If you have uke friends nearby, please let them know! Venue: Mordialloc Motor Yacht Club https://maps.app.goo.gl/TfDqYsh4RZdXi8hZ9 The club is located on an island. Access is at the back corner of the Bridge Hotel carpark, up stairs, across a bridge then down stairs (unfortunately no wheelchair access, apologies). The hall is upstairs, again no wheelchair access. Strictly NO DOGS are allowed on the island (apologies again). This is a Council rule - not a club rule. Tickets: Because it's a tiny island, we need to control the attendance. To confirm your attendance, please get a free ticket by clicking on this trybooking link: [https://www.trybooking.com/DISPZ](https://www.trybooking.com/DISPZ) Attendance will be capped at 60 people so be quick! Parking: Attached in the photo section is a map of the Club and surroundings. Yellow indicates where parking is possible, there's also some available along Bowman Street. If it is a nice day, lots of people will go to the beach so parking will be challenging - perhaps best to park elsewhere and take the train to Mordialloc. Note: You can't park at the Bridge Hotel carpark - they will get very cross. Bring a plate for afternoon tea. There'll be sandwiches available and there are ovens if you want to warm food up. The Club will provide tea and coffee, the bar will be open for alcohol and soft drinks. Suggested Playlist: Songs from the 60s and 70s - but you can request other songs too - I have thousands of songs. Please bring your own ukulele, I won't be able to supply spare ukuleles today. The session is free because I want to make it as accessible as possible but there is a donation box if you like our sessions and want to contribute to our operating expenses. Getting there by public transport Take the train to Mordialloc Station, then walk 700 metres to the Club. or take bus 903 to Mordialloc Plaza, then walk 500 metres to the Club. How we conduct our sessions For the first 20 minutes we usually play very easy songs which are suitable for beginners (even complete beginners), and serve as a warm-up for more experienced players. Beginners, try to attend this part of the session, it's the most important bit for you! The next 30 minutes is usually devoted to learning new songs, according to the theme of week. We will then have a 10-minute break. The last 60 minutes is spent playing songs that participants pick from a list. Important If you are late, please use the meetup app to send messages to me. If you can't attend at the last minute, please change your RSVP or send a message. cheers, Fi Like our Facebook page: https://www.facebook.com/melbourneukulelecommunity/ P.S. If people want to stay on, MOJO, the Mordialloc Jazz Orchestra plays from 7-9pm just across the creek at the Hazel Pierce Reserve. There are other acts on before hand and it's free!

After some great discussions using these cards, we just had to continue! "It isn't easy to get into a good conversation. Many of our best ones seem to have happened by chance. Far from it - we believe a great conversation always starts with someone asking a great question.” The School of Life cards contain questions designed to get a group of people into entertaining and meaningful conversations. This is a casual, social and fun event where we share our thoughts and experiences with a group. We can cover topics like: Personality & Emotions, Work & Money, Family & Friendship, Travel, Culture & Taste, depending on the questions that end up being asked on the day. Please arrive hungry/thirsty for us to keep up a good relationship with the venue that allows us to host our events. \*\*\* Meaningful Discussions events take place in 11 countries and this will be our 147th event in Melbourne! :) Please be try to arrive on time if you can. This event will allow a thoughtful, respectful and engaging discussion. So if you're looking for open-minded, friendly and intelligent people, you've come to the right place!

Join us for a friendly and relaxed English meetup in South Melbourne! This gathering is perfect for anyone who wants to practise English, meet new friends, and feel part of a welcoming community. Whether you’re an international student, new to Melbourne, or simply looking to connect with others, you’ll find a supportive space to learn and grow. Each week, we run **two simple sessions**: **Daily English**, where you learn useful everyday vocabulary, and **Learning English from the Bible**, where we explore short passages in clear, beginner-friendly English. You’ll also meet people from different cultures and enjoy meaningful conversations in a warm, inclusive environment. Come along, make new friends, and enjoy learning English in a place where everyone is welcome. We’d love to meet you!

Do you live in the Southern suburbs? Want to explore what the Southern suburbs has to offer? Or are you just interested to catch-up with like-minded people? Once a month Steph hosts our Southern socials. It is a great opportunity to meet others. Our emphasis is on fun whilst helping and supporting each other. The socials include drinks and chats, casual coffees, dinners and other activities suggested by members from time to time. Our socials are informal and open to all. We pay for own food and drinks individually and there is no charge for the organisation of the events. We hope to see you!

For February we’ll be reading “Apple Tree Yard” by Louise Doughty. As always, if you haven’t finished the book, or haven’t had a chance to read the book- please still join us for a wine with some like-minded ladies! I ask that you please only RSVP if you are absolutely committed to attending, and please update ASAP if you decide not to attend. This means that everyone who really wants to come can join us! RSVP OPENS SATURDAY JANUARY 31st AT 12PM.

This is not just a money class. This is a restoration space. The I AM Worthy of Ownership™ Path is a 12-step, sister-centered journey for women who are ready to build financial stability without shame, fear, or pressure—and to do it in a way that honors both wisdom and the spirit. Many women don’t struggle with money because they lack discipline or intelligence. They struggle because of unhealed experiences, survival patterns, and the quiet belief that they are “behind” or “disqualified.” This series gently challenges those beliefs while offering practical tools for peace, clarity, and long-term planning. Together, we will talk honestly about: Releasing shame and money anxiety Building stability as a form of self-respect and spiritual discipline Understanding money as a tool, not a source of worth Managing debt with clarity instead of condemnation Preparing for life’s unexpected moments without fear Laying a calm foundation for future ownership and legacy Each session blends practical financial education with reflection, conversation, and encouragement. There is no pressure to share personal numbers or experiences. You are welcome to speak, journal quietly, or simply listen. This is not about hustle. This is not about perfection. This is about alignment, wisdom, and peace. Who this series is for: Women who are starting over or rebuilding Women who want stability without stress Women preparing for future ownership or housing decisions Women who want their financial lives to reflect wholeness, not fear No prior financial knowledge is required. Come as you are. Bring a notebook. Leave a little lighter than you arrived. Light refreshments will be served along with 30 minutes of networking.

#### Turning Rentals Into Income: How Investors Pay Off Properties Faster #### **Featuring Guest Speaker: John Blackburn** **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** #### A lot of people get into real estate because they want freedom. Then they buy a rental…and realize most of the rent goes straight to the bank. They technically own property, but the mortgage controls the income. And waiting 30 years for properties to be paid off doesn’t feel realistic. This meetup is about understanding a different way to think about rental properties… one that focuses on paying them off sooner so the income is actually usable. **Featured Guest Speaker: John Blackburn** We’re excited to welcome John Blackburn as our guest speaker for this event. John has been actively investing in real estate since 2006 and has: * Been involved in **5,000+ real estate transactions** * Helped investors **acquire over $150 million in rental property** * **Raised more than $100 million** in private capital John didn’t start with family money or shortcuts. He built his portfolio by focusing on clear systems, real numbers, and long-term strategy. For this meetup, John will walk through how investors shift their focus from simply owning rentals to building properties that eventually pay them…without a mortgage attached. **What You’ll Learn** John will break down, in simple terms: * Why most rental properties don’t produce much usable income early on * Why buying more rentals isn’t always the answer * How investors structure their properties to pay off mortgages in a fraction of the time * How properties can work together to eliminate debt faster * What changes once rentals become free and clear This approach is often referred to as an accelerated paydown strategy — using rental income intentionally to reduce debt sooner, rather than waiting decades for mortgages to run their course. John will also share a simple calculator you can use to see how this works with real numbers and realistic scenarios. **The Core Idea** When a rental has a mortgage, the rent has one job: **pay the bank.** When a rental is paid off, the rent has a different job: **pay you.** Most people only see one timeline…30 years. This session shows how investors shorten that timeline and gradually increase their income as properties become free and clear. **Who This Event Is For** This event is for people who want more than just “owning rentals” on paper. * Rental owners who are tired of most of the rent going to the bank and want a clearer path to real, usable income * New investors who want to understand how rental properties actually build wealth over time before jumping in * People with capital who want to invest in real estate with intention and a long-term plan * Anyone serious about freedom and curious how rental properties transition from debt-heavy assets into income-producing ones **Event Details** **Location:** Ohio Brewing Company - 421 E 2nd Ave, Columbus, OH 43201 **Date & Time:** January 25th, 6–8 PM (Doors open at 5:30) **Cost:** Free (Seats are limited - RSVP required) **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** If you’ve ever wondered how rental properties actually turn into freedom —this is the room to be in.

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 Rob will lead this month's meeting in my absence. Mark Vonder Haar

Polarity Reflexology (PR) Certificate Course: (2026) February 21-22 March 21-22 April 25-26 May 30-31 June 27-28 Students must attend all 5 weekends to receive Certificate Classes run from 8:30am-5:30pm each scheduled day Information & Registration Link can be found here: [Polarity Reflexology (PR) Certificate Course](https://www.gafee.org/#/polarity-reflexology-pr/) *[Global Academy for Energetic Education (GAFEE) is Registered with the Ohio State Board of Career Colleges and Schools and is authorized to teach Diploma and Certificate Programs. (Registration #2091)](https://oh.edvera.com/directory/institutions)*

**People Analytics 101: Making Sense of Compensation Data** Compensation data is one of the most widely used and widely misunderstood forms of people analytics. The session will cover where compensation data comes from, including market pricing data, internal payroll data, and benchmarking sources, and how companies think about structuring and analyzing that information. We will explore how compensation data is leveraged to set salary ranges, manage internal equity, support hiring and retention, and align pay with business strategy. A portion of the session will address common data challenges and limitations, such as market noise, inconsistent job matching, and incomplete datasets, while keeping the primary focus on practical use rather than technical depth. The session will also look ahead at where the space is going, including the growing impact of pay transparency laws, expanding pay equity requirements, and emerging regulations in the US and Europe that require organizations to report on gender and pay gaps. The goal is to give attendees a clear mental model for how compensation analytics works today and why getting it right is becoming increasingly critical. (note: we are back at Rev1 this month!) **About Our Speaker** [Alex Moore](https://www.linkedin.com/in/alexscottmoore/) is the founder of [Moore Cooperative](https://moorecooperative.com/), where he advises organizations on compensation strategy, pay equity, and people analytics. His work focuses on helping organizations like the Ohio Supreme Court design, analyze, and communicate compensation systems that are data-informed, defensible, and aligned with organizational goals. Alex lives in Granville, Ohio and has three little kiddos. More info at [cbusdaw.com](https://cbusdaw.com)

**TRY AN OLYMPIC SPORT IN A FUN, BEGINNER-FOCUSED CLINIC!** Enjoy 15 minutes of off-ice basics, 50 minutes learning to sweep and deliver stones, then play a couple of ends with your group. Afterward, join us in the warm room for broomstacking (socializing) with your teammates and opponents. Limited spots available. **What to wear:** Clean rubber soled tennis shoes (required), loose/stretchy clothing (no jeans), and warm layers - ice ranges 32-40 degrees F. ***\*\*\*\*\*Ski Club Membership required for this event!\*\*\*\*\**** [Home - Columbus Ski Club](https://www.columbusskiclub.org/) Once membership is established - follow below link to sign up for Curling: [Curling Clinic - Begin to Curl - Calendar - Columbus Ski Club](https://www.columbusskiclub.org/content.aspx?page_id=4091&club_id=686961&item_id=2793520)