Distressed Mortgages

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

http://photos1.meetupstatic.com/photos/event/d/a/c/2/600_358616002.jpeg Atheists at First Friday Pub Evening Hello Fellow Atheists, Please join with us at the pub for drinks, informal conversation and fun. If you can't make it by 6pm, don't worry - we'll be there for a good 3 hours or more (sometimes to midnight), so turn up whenever you can make it. Children are welcome. Time: From 6:00 pm, First Friday, of every month. Venue: As specified. For information before or on the evening, contact: Andrew - 0438 043 050 or John - 0411 143 744

Damian Clark facilitates a ‘North Fitzroy Men’s walk and talk group’ for men in the inner city and northern suburbs interested in connecting with other men to develop meaningful and supportive connections, with the added health benefits of a walk in nature. The walks are supported by Holden Street Neighbourhood House - contact (03) 9489 9929 or admin@holdenstreet.org.au for queries. The walks are run FREE of charge on the 1st Saturday of each of month at 8.am. The walk will commence at the Holden Street Neighbourhood House then proceed to take in Park Street and Rushall Reserves in Fitzroy North. The group is for men of all ages. The benefits from participating in the men’s walk and talk group are: 1. A safe space to connect with other men. 2. Opportunity to be genuinely listened to. 3. Chance to express your feelings and thoughts free from judgement and criticism. 4. Make valuable and lasting friendships.

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"

📚 #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.*

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!

Progressibu Japanese English exchange Saturday 4pm-6pm Progressi部 日英言語文化交流 - Saturday 4pm-6pm Share your English and Japanese language and culture at this informal weekly exchange. It's a great chance to improve your English/Japanese, make new friends, and have a coffee Due to meetup website monthly charges, there's a fee of $3 CASH for non Japanese citizens. Please check with the organizer before participating. Please arrive 10-15 min early, due to limited seat Join Progressibu in Facebook / twitter [www.facebook.com/groups/progressibu](https://www.facebook.com/groups/progressibu/?__cft__%5B0%5D=AZU9yB5_cPpRTKYc3XF8vD06VrLHEQq9YYp1j9Pipvbs2uKX3TXvzsyYNVxa9ZA9pqDHkbLv7yoB7kXwbh9s6e1FCg6-ycT8N1X9rgTgMcQZ6Q&__tn__=q) [twitter.com/progressibu](https://twitter.com/progressibu?fbclid=IwAR0-tRnPLLN7tM9T9RxLODXiRjb2uJecTzmz-3PWGKcaOQaZu_u8oI4kDIk) 本気で話せる、本気で学べる、 本気な人に出会える場を目指して。日本語の初心者でもネーティブスピーカーでも誰でも参加できます。 BYOPassion. メルボルン市内のカフェで日英言語文化交流会を主催しています Relaxed, easygoing environment for cultural, language exchange and make new friends Photos will be taken during the event **RULE: Any harassment will not be tolerate, ban permanently.** **Do not make the people you speak uncomfortable. Anyone from Progressibu Japanese English event is making you uncomfortable, please come and speak to the organiser Shin , David,** **Ray**

**\*\*\*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!

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.

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!

Let's make the most of daylight savings to do more of what we love. Bring your own book, read in silence, and we'll gather afterwards for a chat about what we enjoyed. **ITINERARY** 11am: Meet at the lawn outside Kere Kere Green Cafe next to the visitor information centre at Fitzroy Gardens. Find a cosy spot to read. You might want to take your book for a meander around the park. 12.15pm: Meet back on the lawn to chat about your book. 1pm: End of event. **Note:** Feel free to bring your deck chair / picnic mat, whatever you need to feel comfy. Coffee and lunch can be purchased from the cafe. If you're running late, look for us at 12.15pm on the lawn outside Kere Kere Green Cafe. There is an organizer fee of $5 for this event. You can bring cash on the day or PayID me at 0403 413 056 (Serena Low). **Getting there:** The closest train stations are Jolimont (2 min across the road) and Parliament (10 min walk).

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 💕

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.

Jimmy V's Grill & Pub in Grandview Heights. You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room. This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us. COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant. *** Did you know that there are atheists everywhere?!?! You may not know it, but we are! We're in your schools, diners, police force, military, government, and some are even still in your churches! So come and join us and meet other local atheists, along with agnostics, heathens, humanists, skeptics, and anyone else who's 'hell bound'! Vision: a Central Ohio that accepts atheism as a viable alternative in all areas of public and private life. Mission: grow, support, and provide community for atheists in Central Ohio. Social meetings held most Tuesdays at a local pub/restaurant at 7:00 PM (and often into the wee hours). Attendees call themselves agnostics, skeptics, humanists, non-theists, deists or even theists. All attendees are welcome but should support our vision. Atheists of Columbus (AoC) is part of Omnipresent Atheists (OA). AoC members are invited to join this OA meetup and/or OA Facebook group ( https://www.facebook.com/groups/omnipresentatheists/ ) but are free to continue conversations on the AoC Facebook group ( https://www.facebook.com/groups/columbusatheists/ ). AoC was founded in 2012 as a networking, social group for Central Ohio area humanists, skeptics, atheists, agnostics, nonbelievers, freethinkers, and the curious. It was a member of Columbus CoR and held weekly meetings, mostly on Fridays, for several years but then operated as an online only group for some time. In November 2018, Omnipresent Atheists (OA), a group that routinely meets on Tuesdays, invited AoC to merge. Omnipresent Atheists is a member of the Columbus Coalition of Reason (ColumbusCoR.org). Omnipresent Atheists is a member of the Columbus Coalition of Reason ( http://www.ColumbusCoR.org ). Omnipresent Atheists endorses the mission of the Secular Coalition for America ( http://secular.org ).

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

Jimmy V's Grill & Pub in Grandview Heights. We meet in the bar in the room on the right (the cigar shop). You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room. This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us. COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant. *** Did you know that there are atheists everywhere?!?! You may not know it, but we are! We're in your schools, diners, police force, military, government, and some are even still in your churches! So come and join us and meet other local atheists, along with agnostics, heathens, humanists, skeptics, and anyone else who's 'hell bound'! Vision: a Central Ohio that accepts atheism as a viable alternative in all areas of public and private life. Mission: grow, support, and provide community for atheists in Central Ohio. Social meetings held most Tuesdays at a local pub/restaurant at 7:00 PM (and often into the wee hours). Attendees call themselves agnostics, skeptics, humanists, non-theists, deists or even theists. All attendees are welcome but should support our vision. Atheists of Columbus (AoC) is part of Omnipresent Atheists (OA). AoC members are invited to join this OA meetup and/or OA Facebook group ( https://www.facebook.com/groups/omnipresentatheists/ ) but are free to continue conversations on the AoC Facebook group ( https://www.facebook.com/groups/columbusatheists/ ). AoC was founded in 2012 as a networking, social group for Central Ohio area humanists, skeptics, atheists, agnostics, nonbelievers, freethinkers, and the curious. It was a member of Columbus CoR and held weekly meetings, mostly on Fridays, for several years but then operated as an online only group for some time. In November 2018, Omnipresent Atheists (OA), a group that routinely meets on Tuesdays, invited AoC to merge. Omnipresent Atheists is a member of the Columbus Coalition of Reason (ColumbusCoR.org). Omnipresent Atheists is a member of the Columbus Coalition of Reason ( http://www.ColumbusCoR.org ). Omnipresent Atheists endorses the mission of the Secular Coalition for America ( http://secular.org ).

Please Join Us For The Winter Session Of Family-to-Family Winter session of F2F dates are Feb 12 – Apr 3 [https://namifranklincounty.org/family-to-family/](https://namifranklincounty.org/family-to-family/).

Jimmy V's Grill & Pub in Grandview Heights. You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room. This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us. COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant.

Hi ladies. Let's hike the multi-purpose trail - approximately 4 miles. Meet in the Maple Grove Picnic area.