Cryptocurrency Investing

Property financing in Germany is powerful, but it’s *not* straightforward, especially for foreigners navigating banks, paperwork, equity requirements, and long-term refinancing. So we’re hosting a **small, relaxed in-person meetup in Berlin** (lounge/café vibe) to share **how property financing really works**, how to build a strategy **from any starting point**, and what to do if you already own a home and want to plan your next refinancing phase. **📅 Date:** Friday, **13 February** (Berlin) **🎟️ Cost:** Free **👥 Seats:** Max. 25 (registration required) **⏳ RSVP deadline:** **Monday, 9 February** (so we can confirm reservations) **📍 Venue:** Berlin — shared after RSVP confirmation ## What we’ll cover (simple, practical, Q&A-friendly) ### For people planning to buy * What German banks really check: **income stability, equity (Eigenkapital), SCHUFA/credit profile** * The real cost of buying: **Nebenkosten** (notary, land registry, property transfer tax, broker if applicable) * Financing structures explained clearly (without jargon) * How to build a plan even if you’re “not ready yet” today ### For existing owners * **Refinancing (Anschlussfinanzierung):** why planning early matters * How to protect yourself from **rate shock** * Tools that can support strategy (e.g., forward planning, repayment structure, Bauspar as rate-security) * ## Why property is worth thinking about in Germany (especially long-term) * Germany has clear legal structures for ownership and long-term financing. * For **rental properties**, there are well-known tax mechanisms that can improve the overall picture, such as: * **Deducting financing costs (like loan interest) and running costs** as income-related expenses for rental income (“Werbungskosten”). * **Depreciation (AfA)** on the building portion (rules depend on the year the building was completed). * In certain new-build rental cases, there can be **special depreciation** under §7b EStG (with conditions). * There are also public programs tied to **energy-efficient building/renovation** (KfW), which can matter for some buyers/owners depending on the project. ## Who should attend * Foreigners living in Germany who want to **buy their first property** * Owners who already have a mortgage and want to **optimize or plan refinancing** * Anyone who simply wants a **clear strategy** and a realistic roadmap ## How to register ✅ **Registration is compulsory.** Please sign up using the form **[here](https://forms.office.com/e/v3G0f8mDQn).** If you **can’t attend on the 13th**, still sign up and write **“Can’t attend, interested”** in the message box—so we can invite you to the next session or offer a 1:1 check-in. If you know someone who needs this, **please forward** this invite to them. Seats are limited and confirmation will be sent after RSVP.

Try Brompton is a Brompton experience ride for those considering purchasing a Brompton. The purpose of this ride is to deepen your understanding of Brompton bikes, ride courses designed to fully enjoy Bromptons, rediscover the city, experience new ways to enjoy it, and experience the lifestyle that comes with owning a Brompton. We guide participants through folding techniques and shifting the internal gear hub—a common source of confusion for first-time riders—while riding. By comparing different bikes, we help riders deeply understand each model's characteristics, supporting them in making an informed choice and purchase. https://www.komoot.com/tour/2544443144?share_token=aHITulkVldsQO8ZTduViGdGjVF2ZkFee5TKZ6D4484fY5EXfHK&ref=wtd

**If you're member of our (free) forum.digitalideas.io the ticket is only €3. Find the discount code [here](https://forum.digitalideas.io/d/101-digital-marketing-over-breakfast-in-berlin-96).** **Join our WhatsApp-Group "Marketing Community Berlin" to stay connected with the local marketing community: [digitalideas.io/berlin-whatsapp](https://digitalideas.io/berlin-whatsapp "https://digitalideas.io/berlin-whatsapp")** ​"Digital Marketing over Breakfast" is Berlin’s longest-running roundtable for growth-minded marketers (since 2018!)! ​ Hungry for fresh ideas—and honest feedback—on your current marketing challenge(s)? Join fellow marketers over coffee & croissants to trade solutions for real-world growth problems. ​No slide decks, no sales pitches—just open conversation and actionable take-aways. Pull up a chair, bring your toughest issue, and help others tackle theirs. ​See you at the breakfast table! ​P.S. We speak German and English, usually the conversion will be in English ​About us: * ​Matteo Savio (Digital Ideas): passionate growth hacker with more than 10 years of experience in the implementation of data-driven marketing processes * ​Tobias Braam (Swell Growth Marketing): marrying product & marketing for over 15 years as growth strategist. Ex Amazon & eBay ​(DE) ​„Digital Marketing over Breakfast“ ist Berlins ältester Roundtable für growth-minded Marketer (seit 2018!)! ​Hungrig nach frischen Ideen - und ehrlichem Feedback zu deinen aktuellen Marketing-Challenges? Tausch dich mit anderen Marketern bei Kaffee & Croissants über Lösungen für reale Growth-Challenges aus. ​ Keine Präsentationsfolien, keine Sales Pitches - nur offene Gespräche und actionable take-aways. Hol dir einen Stuhl, bring die größten Probleme mit und hilf anderen bei der Lösung Ihrer. ​ Wir sehen uns beim Frühstück! ​P.S. Wir sprechen Deutsch und Englisch, in der Regel kommunizieren wir in Englisch

**Important:** Register on the [event website](https://www.aicamp.ai/event/eventdetails/W2026021300)[ ](https://www.aicamp.ai/event/eventdetails/W2025103101)is required for admission.(RSVP is turned off on meetup) **Description:** Join Google Cloud Labs for an immersive, hands on workshop learning how to build and scale production-grade AI agents with Cloud Run and GPU support. This is a hands-on program designed to take your AI applications from prototype to full-scale production. In the world of AI development, a great idea is just the beginning. The real challenge lies in transforming that initial spark into a secure, scalable, and robust application that can handle real-world demands. Get ready to get your hands dirty! This is an interactive session, not a lecture. Through a series of live labs, you'll tackle real-world challenges, from securing your services to deploying advanced AI agents. You will leave with practical skills and the confidence to take your own AI projects to the next level. **What You Will Learn:** * **Deploy Secure, Production-Ready Services:** Master the essentials of securing your applications on Cloud Run. You will build and deploy a Model Context Protocol (MCP) server and learn to implement authentication to ensure that only authorized clients and agents can interact with your service. * **Build Intelligent Agents:** Dive into the Agent Development Kit (ADK) to construct an intelligent agent capable of understanding a goal and using tools to achieve it. You'll connect your agent to the secure MCP server you built, giving it the power to perform real-world tasks. * **Containerize and Deploy:** Take your working agent and prepare it for a consistent, portable deployment. This is a crucial step for managing applications in a serverless environment. * **Harness the Power of GPUs on Cloud Run**: Deploy your containerized agent to a Cloud Run instance and attach a GPU to accelerate your models. You will gain hands-on experience managing production configurations and testing a live, GPU-accelerated application. **Agenda** * 9:00AM - 9:30AM: Check-in, Networking, Coffee, and Breakfast * 9:30AM - 10:00AM: Keynote: From AI Prototype to a Multi-Component Production App * 10:00AM - 10:20AM: Tech Talk 1: The New Agentic Workflow: Empowering AI with Tools via MCP * 10:20AM - 11:20AM: Lab 1: Deploy a Secure MCP Server on Cloud Run * 11:20AM - 12:30PM: Lab 2: Use an MCP Server on Cloud Run with an ADK Agent * 12:30PM - 1:30PM: Lunch Break * 1:30PM - 2:10PM: Tech talk 2: From Agent to Application: Production Patterns for Scalable AI * 2:10PM - 3:20PM: Lab 3: Deploying a Production-Grade Agent to Cloud Run with GPU * 3:20PM - 3:30PM: Closing remarks & the path forward * 3:30PM - 4:30PM: Q&A, Networking, and Happy Hour

**Note:** *We receive bookings from many different platforms, so you can expect a lively group with people joining from all over the world. When you join this tour, you’ll be part of a fun, social crowd ready to explore the city together.* **Discover the Heart of Budapest — History, Culture & Hidden Stories** Step into the soul of Hungary’s capital with The Original Budapest Walking Tour, a perfect introduction to the city’s fascinating history, vibrant architecture, and rich culture. Whether it’s your first time in Budapest or you’re returning to see it from a local’s perspective, this tour offers the ultimate way to truly understand what makes the city so special. Led by passionate local guides, this walking tour takes you on a journey through both sides of the Danube — Buda and Pest — exploring their contrasts and connections. From royal palaces and heroic squares to ruin bars and romantic river views, every stop reveals a story that shaped Budapest’s identity. Get insider tips, local anecdotes, and a deeper appreciation for the people and events that made this one of Europe’s most enchanting capitals. **🌟 Highlights** * Explore Buda and Pest, the twin cities that form Budapest * Visit famous landmarks like St. Stephen’s Basilica, Chain Bridge, and Buda Castle * Learn about Hungary’s communist and royal past from expert local guides * Discover hidden gems and local hangouts off the beaten path * Enjoy a fun, engaging, and budget-friendly way to explore the city **✅ What’s Included** * Professional local tour guide * Comprehensive walking tour covering key historical and cultural sites * Insider recommendations for food, nightlife, and attractions * Small group experience for a more personal touch

You've seen them in the book shop. You've seen them in the library. You've seen them online. **The Blind Date with a Book.** Those shelves of wrapped books with little teasers written on them. This is the book trend perfect for Valentine's, and perfect for a swapping group like us! For this special event, please bring a wrapped book. On the front please write: * the language of the book * a few short bullet points about the book. Get as creative (or not) as you like, as long as it's a truthful description. I've seen fascinating paragraph versions and also one liners. * For example: "You will love this book if you love -similar author / general genre / band-singer the book reminded you of / actor who played the lead in the film / etc-". Other examples include writing the first line of the book. Or your favorite line of the book. Beside that, it's just similarly structured as the "classical" bookswap: * We put the book(s) we brought down on the tables. * Each book gets a post-it so people interested would write their names on. * We browse and discuss the books with one another while sipping coffee or hot chocolate, or eating cake. THIS TIME try to avoid naming the book and author. * We write our names down on any books we’d like to take home. * At the end of the evening, negotiate any books that are contended and take a new-to-you book home! I've mostly only seen the trend at book stores and Libraries and when I just Googled it, saw that a lot of people are totally tricking the wrapping out. Please don't bother going that far unless it would give you great pleasure. We'll have some newspaper / paper bags on hand if you don't have any wrapping. ***NOTE - this is NOT a person dating event.*** We tried that once as a very optional part of the event and it wasn't fair to the three confused people who were looking for people and not books. We know of at least one book swap marriage and several other book swap relationships so it happens organically without us pushing for it and making it all awkward :) Similar to our pleasant swapping post-it format, our expectations below apply to this event as well. We look forward to swapping with you! GROUP EXPECTATIONS for PLEASANT SWAPPING * Please bring a book! It's not that you bring one you take one, but do try your best to bring something. * Books stay on the tables, open for sharing, until you are ready to leave so that everyone can have a look. We are notably not first come first serve. Please wait until you are leaving to bag the book. * If two or more people want the only copy of a book, negotiate. Maybe one of you reads it first and then gives it to the others. Or perhaps they have found another book instead. Or leave it to fate and toss a coin. The best part: now you have found somebody whose taste you can really admire. In any case, please don't walk away with a book with several names on it without letting the others know. These negotiations are fun and easy, so don't shy away from a book because there's already a name on it, and feel free to put your name on as many books as you find interesting. It's not that you bring one you take one; you may take as many as you can negotiate. * Political discussions with consent: make sure the people you are talking to would like to have a political discussion with you. * Please respect this space as first and foremost a community for connecting readers over their love of books and reading, stories, and narratives of all sorts. Please be respectful of tastes and opinions. * If something is bothering you, please reach out to the organizers, and we'll do our best to resolve it. * Lastly, don't expect your book back. It will find a new home. If you love it, let it go. **Major LANGUAGES (and genres) of this meetup:** English, German, French, Spanish, Italian; Fiction, Non-Fiction, Serious Reading, Light Fun, “classics", Krimis, Booker winners, Sci-Fi, Fantasy, Self-Help and more. You never know who can read what languages, and there's no accounting for taste. We are a delightful and international group of readers. We look forward to swapping with you!

\*\*\*\*\*\* ***For address and more details see the website.*** \*\*\*\*\*\* **Event Info:** Bring along your **current book to read** (or something **creative** to work on 📚🎨🧵) and join us for this mix of a shared focus time + discussion. \- 19:00\-19:30 \- Meet & greet \- 19:30\-20:30 \- Silent focus time \- 20:30 \- Discussion of books/ projects over coffee **Drinks & snacks are included** ☕️ * **To reserve your place, a ticket (€9,90/event) or a community pass (only €14,90/MONTH) [from the website](www.pausify.org) is required** * **Attendance here doesn’t show all sign-ups from other platforms.** ***FAQ: Why does it cost money if I bring my own project?*** Because we rent a beautiful, central space for every event. Ever thought your monthly apartment rent was too high? Well, multiply that – that’s what commercial spaces in big cities like Berlin cost *per hour*. Of course, if all you want is just some quiet time, your home or a library is perfect. But if you’d like to focus & connect with others in an inspiring space – with drinks, snacks included – that’s what your ticket helps to cover. See pics from our events below - and on our Instagram: **[@Pausify (Co-Reading Space)](https://www.instagram.com/pausify_org/) ☕️**📚 **[Pausify Co-Reading Space Website](www.pausify.org/)** For questions, please contact us over [Website](www.pausify.org/) as this platform can have issues. Thank you! *Please note that photos and videos may be taken during the event and used for promotional purposes to highlight and share the experiences at our events. If you have concerns, don't hesitate to approach the event organizers before the event.*

Liebe Bitcoinerinnen, Es geht in die nächste Runde und wir laden euch herzlich zu unserem nächsten Les Femmes Orange Meetup ein — ein Raum von Frauen, für Frauen, die sich für Bitcoin begeistern oder einfach neugierig auf das Thema sind. Egal, ob du schon lange im Bitcoin Space bist oder gerade erst eintauchst – komm vorbei, tausche dich aus, vernetze dich mit anderen Frauen und lass dich inspirieren. Les Femmes Orange Berlin Telegram-Gruppe: Für Fragen, Feedback und Infos: https://t.me/+ccJ7AYxrz4FjOTdi Wir freuen uns auf dich!

📅 **Week 4 Focus: Calling LLM via API** Each 7-week cycle focuses on a small, well-defined part of a larger system—and over time, these cycles build toward a complete, real-world project Feel free to join at any week and we will catch you up. There is no need to be at the beginning of the cohort to build. Complete beginners welcomed! 📌 By the End of a Full Cycle, You should Have 🎯 A working project in your own GitHub repo 🎯 A small but real portfolio piece you can demo or write about 🧠 **Current Project** This cycle’s shared project is an **image-based knowledge extraction system**. In Week 3, we trained a deep learning object detection model (YOLO) and learned how modern computer vision models are built. **In Week 4** we will try **LLM-based image understanding via APIs** to extract structured information from images and comparing this approach with traditional computer vision and building your own deep learning methods. * \*\*\* **👋 Who Is This For?** 🔹 Beginners who learn best by doing — no prior experience needed 🔹 Career switchers from product, engineering, design, marketing, or other fields who want to break into data 🔹 Analysts, engineers, and PMs looking to sharpen their skills or build real-world projects 🔹 Data professionals who want a creative playground outside of work 🔹 Anyone with big questions and a love for learning through experimentation \*\*\* **BUILD. LEARN. EXPERIMENT. OVER COFFEE.** Come hang out, meet like-minded people, and work on something fun. 📍 Based in Berlin – in-person meetups only (for now!) 💻 Laptops + ☕ highly encouraged Join our Discord → [https://discord.gg/dPnmzcCP8w](https://discord.gg/dPnmzcCP8w) Check out our program resources: [Google Drive](https://drive.google.com/drive/folders/15DmZqD4bLBk2vU4zpvh1HiB3_5n09v-q?usp=sharing) \*\*\* ✨ Who’s Hosting? I’m Lindsey, a senior data scientist working on AI, causal inference, and data products. I’ve built models for fraud detection, uplift modeling, and LLM-based systems. I am always open to suggestion for different format for this meetup.

Philosophy Discussion Meetup – Exploring Life’s Big Questions Through Books Join us for an open and friendly philosophy meetup where we explore life’s deepest questions through thoughtful conversation, shared reading, and discussion. Each participant is welcome to bring a book they are currently reading and share interesting ideas or questions from it. One of our main reference books is Sophie's World, which we often use as a starting point for discussion. 🗓 What to Expect Each meeting follows a relaxed and engaging format: Welcome & Introductions (10 minutes) Brief introductions and sharing what everyone is reading. Book & Topic Sharing (20 minutes) Participants present a short passage, idea, or question from their book. Group Discussion (45–60 minutes) Open discussion based on the shared material, often inspired by Sophie's World and related philosophical themes. Wrap-Up & Social Time (15 minutes) Final reflections and informal conversation. No prior philosophy background is required—curiosity and openness are enough. 🎒 What to Bring Please bring: A book you are currently reading (optional but encouraged) One or two questions or ideas from your book A notebook and pen (optional) If you don’t have a book, you are still very welcome to join and participate. 📍 How to Find Us We meet at: Milchkaffee Kirchstraße 5, 12555, · Berlin, DE Look for a group with books and notebooks on the table Feel free to join even if you arrive late. 🤝 Group Values Respectful and open discussion No judging or “winning” arguments Everyone gets a chance to speak Different viewpoints are welcome Curiosity over certainty Whether you are new to philosophy or a long-time reader, this group offers a supportive space to think together and learn from one another. We look forward to reading, questioning, and reflecting with you.

Join us for an afternoon of cultural exchange and German conversation practice at our Berlin Conversation Meetup Group event — complete with interesting chats and a beer or two at our local bar BrewDog Berlin Mitte. Connect with like-minded individuals who are passionate about language learning, culture, and community. Share your experiences, learn about different cultures, and engage in meaningful discussions across German language levels. From beginners to advanced levels, all learners and speakers of German are welcome! Whether you're a local resident or a curious traveler, this event promises to be a blend of fun, learning, and connecting with others who value the richness of cultural diversity and language learning. This event is hosted by the online language school lalia-berlin.com, helping German learners to overcome communication barriers and grow into confident speakers of German. Join us for this fun afternoon of practice and renew your motivation to break through to the next level in German! We use a [WhatsApp group](https://chat.whatsapp.com/CumRuFFzUWGF6jToK3GHIA?mode=wwt) where we share updates like the exact location and any last-minute info on the day of the event. **Feel free to join if you’d like to stay in the loop**: https://lalia-berlin.com/offline-events

Have you always wanted to learn bouldering but never had the right company? Or are you an experienced boulderer who just wants to find boulder-buddies? If yes, this is the right event for you. We are going to meet inside "urban apes Basement Boulderstudio", close to S Anhalter Bahnhof, also not far from Potsdamer Platz. If you have never been there, you will need to sign up with them, which will take a bit of time. After that, **you can find us on the couches near the lockers (not in front of the reception), next to a red smiley**. When you enter the actual gym, enter the hall by turning left immediately - you are walking towards them. We will start warming up around 11:10, so everyone has enough time to arrive and get changed before that. ***\*\*\**** *Spots are limited, so please update your RSVP at least 24 hours in advance if you won't be joining. **NO-SHOWs ARE NOT COOL \*\*\**** We enter the gym at 11:00, if you are late, you will need to look for us inside. IMPORTANT: they only accept cards as a payment method. No cash. One day ticket will cost you 13,90 EUR (10,90 EUR if you are a student, free if Urban Sports Club). **What to bring: well, first of all, a good mood.** But you could also bring * climbing shoes if you have any. If not, you can rent them there, no worries. They cost 3,50 EUR. * a lock (for the locker). * chalk. You won't need that if you are a beginner. Renting is possible. * water. * extra clothes. It's quite chalky there and humans sweat, not the best mix, don't you think? :D Please, note: the organizer is not responsible for anything, including injuries. A basic introduction will be provided.

**🧡 Hello Dear Chess Enthusiasts!** **☕ Participation fee** **You must buy a drink or food before sitting.** (**We were warned that** **you cannot sit without buying a drink.** This is a private café. Outside food or drinks are not allowed.) **📢 Chess Board** Please bring it if you have one. Otherwise, you may need to wait to play. **🕥 Please arrive on time** If you are more than 30 minutes late, there might be no table. The venue is reserved until 1:00 pm, so we should prepare to leave by that time. **📌 Location** The Bode Museum Café is on the first floor. Walk up the stairs. No ticket needed; just tell the staff you’re going to the café. **✨ Chess for fun** This meetup is organized by beginners for beginners and enthusiasts who are eager to practice, improve, and enjoy chess in a friendly and supportive environment. **📖 Basic knowledge is good to have.** ( [https://en.wikipedia.org/wiki/Rules_of_chess](https://en.wikipedia.org/wiki/Rules_of_chess) ) **📷 Instagram** [https://www.instagram.com/berlin_chess_club/](https://www.instagram.com/berlin_chess_club/) **💬 WhatsApp Group** This group is only for event participants. To get access, please ask the host during the event. 🚩**We have no tolerance for discriminatory(sexist, racist, and other) jokes or comments.** **🌸 Thank you & See you** *Photos and videos may be taken for social media and memories. Let an organizer know if you prefer not to be filmed.*

Welcome to Sunday Tech Coffee. This is a **networking** event for those in the tech industry in Berlin. We are usually inside and to the right. Ask the barista/bartender if you can't find us.

#### 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 I look forward to seeing you there. Mark Vonder Haar

NFT's are here to stay folks! This is a group for like minded people interested in understanding, leveraging, using, creating for, profiting from, trading too i suppose, NFT's.. everything around them, complexity, fear and exploits, best practices and more. **PLUS** This group will talk AI ART tools, techniques, artists, video, audio, prototypes and more in the AI assisted production space- ART specifically, but we can get into any aspect of some of the cooler things happening in AI in general.

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.

Private Group. Closed to the Public Knowing ourselves and understanding our abilities is the first step toward wielding our gifts with control and accuracy. In subsequent classes we will verify and hone our talents with activities and discussion. These are hands-on workshops and participation is expected. The goal of our series will be to develop expertise in areas of particular interest such as mediumship, channeling, divination, healing and, etc.. Our ultimate directions will be determined by class members as we evolve. I look forward to sharing and discovering with you. - Cynthia

**No Money, No Credit Creative Acquisitions Training – Free for First 20 to Register\*** Join us for another great Real Estate Training **in-person in Lisle, IL or online** **Saturday, February 21st, from 10 AM to 4 PM**, with one of the TOP Creative Acquisition Experts in the country, Chris Albin. **The first 20 people to email me their first name, last name, cell number, and email address can attend this $50 workshop as my guest for FREE\*.** Learn how you can buy properties without using your own money or without having your credit checked. Chris will explain acquisition strategies that include equity sharing, options, contracts for deed, seller financing, mortgages, and more. Using case studies, Chris will show you how to understand step-by-step techniques for buying and controlling properties without having to qualify for bank financing. Chris will also train you to utilize financial and social resources and time, imagination, networking, and non-traditional assets to acquire properties successfully. You will leave this class knowing which investments would be best funded through retirement accounts, cash accounts, stock accounts, life insurance plans, margin accounts, and others. Chris is also an expert in probate investing strategies. **To complete your registration, email your first name, last name, cell number, and email address to RandyPertler@gmail.com.** Also indicate if you would like to attend in-person in Lisle, IL or online. You will then be emailed the event address or online link. \*Renatus Students and ICMs are not eligible for the free offer