ETF Investing

**Founders Running Club** (FRC) brings founders, investors, tech, creative people and startup enthusiasts together for weekly easy runs and networking. We like to be comfortable when we run and finish with coffee and conversations. Choose your pace or follow a pacer—pets, friends, family, are welcome. 🗓️ Launched in San Francisco, July 16, 2022 🌍 Now in 35+ cities 📅 Running + Networking events + Community **Join the community** [http://foundersrc.com/chats](http://foundersrc.com/chats) **Stay updated**: Instagram [http://instagram.com/foundersrc/](http://instagram.com/foundersrc/) Podcast [http://podcast.foundersrc.com/](http://podcast.foundersrc.com/) LinkedIn [http://linkedin.com/company/foundersrc/](http://linkedin.com/company/foundersrc/) Strava [http://strava.com/clubs/foundersRC](http://strava.com/clubs/foundersRC) Website [http://foundersrc.com/](http://foundersrc.com/)

For full details AND also to sign up, please click here to see the event listed on our London group: https://www.meetup.com/outdooraholics/events/310645424/

​​**IMPORTANT: If you were not able to join our previous session on the 13th of December, we are re-doing the workshop with the SAME CONTENT, so more people can experience building AI apps using Redis AI products.** ​**​What?** ​​Redis AI workshop is a hands-on session with Redis AI products ​**​Why?** ​​Redis AI is a game-changer in the world of AI and machine learning **Where?** ​​Sofia, Synergy Tower, Boulevard "Tsarigradsko Shose" 111P, 1784 ​**​When?** ​​19th of February at 18:00 ​​ *Let’s run some live coding sessions together, where each participant can experiment with Redis LangCache, vector caching, and related features using their preferred programming language* ​**Workshop Agenda:** ​​17:30 - 18:00 Registration Session 1 ​​18:00 - 18:30 - Workshop intro and core concepts 18:30 - 19:15 - Coding Session 1 **Session 2** ​​ 19:15 - 19:30 - Recap and intro to Session 2 19:30 - 20:15 - Coding Session 2 **Session 3** ​​20:15 - 20:30 - Recap and intro to Session 3 20:30 - 21:15 - Coding Session 3 21:15 - 21:30 - Wrap up and Q&A 21:30 - 23:00 - Pizza and Networking ​**​*Bring your good coding mood and your own laptop with pre-installed containerization software (Docker, Podman, etc.)***

Този път нямаме лектор, презентация и без "може ли да се върнем на предишния слайд". Събираме се за бира и разговори с готини хора от Xcoders Sofia! 🗓️ 18 февруари от 19:00 📍 Barter - Community Hub, бул. Черни връх 47

**Trip Full BUT we've now added our 2027 date which still has spaces - secure your spot now for this exciting adventure:** [https://www.meetup.com/outdooraholics/events/312971297](https://www.meetup.com/outdooraholics/events/312971297) Discover a winter wonderland where soft snow covers rugged peaks, glacial lakes lie frozen and ancient forests hum with quiet serenity. Welcome to the majestic Rila Mountains – the highest and most breathtaking range in the entire Balkan peninsula. Dotted with glacial lakes, icy waterfalls, and soaring summits, Rila is a place of raw, untamed beauty just waiting to be explored. On this snowshoeing journey, we will immerse ourselves in the serenity of this unique landscape. Wander through deep conifer forests, marvel at frozen waterfalls and explore the mystical Seven Rila Lakes - a cluster of glacial jewels nestled high in the mountains. With an experienced guide leading the way, we’ll learn snowshoeing techniques while embracing the tranquility of nature, punctuated only by the crunch of snow beneath our feet in this crisp and awe inspiring landscape. Join us and walk in the footsteps of ancient Thracians who first named these mountains, experiencing a landscape that has remained largely unchanged for thousands of years! **HIGHLIGHTS** • Just 2 days off work for a 3-night winter escape • No winter mountain experience required - perfect for anyone who has never snowshoed before • Marvel at the frozen cascades of Skakavitsa Waterfall, the highest in the Rila Mountains at 1,750m • Snowshoe across the vast Rila National Park – Europe's sixth-highest mountain range and Bulgaria's most spectacular winter wilderness, covered in snow from October to April/May • Hike past the frozen glacial Seven Rila Lakes, each with its own legendary story • Learn snowshoeing with experienced English-speaking local guide. • Discover Sofia’s vibrant history and culture, from Roman ruins to modern boulevards. • Small group adventure, limited to just 8 participants • Stay in cozy hotels - with twin bedded en suite rooms • Rest in the mountain resort of Panichishte at 1,350 meters offering breathtaking views of Rila National Park • Flexible itinerary: Relax at a mineral spa if weather impacts hiking plans **HOLIDAY DESCRIPTION** The Rila Mountains – Bulgaria’s crown jewel and the sixth-highest mountain range in Europe – offer a winter landscape unlike any other. Glacial peaks, icy cascades, and centuries-old pine forests create a serene and otherworldly setting for our adventure. On this trip, we’ll snowshoe across spectacular, crisp snowy trails in Rila National Park, where ancient legends and breathtaking scenery converge. Admire frozen waterfalls tumbling from rugged cliffs, traverse snowy ridges with panoramic views, and discover the mystical Seven Rila Lakes, frozen into a shimmering wonderland. Guided by an experienced local mountain guide, we’ll learn to snowshoe with confidence while soaking in snow-covered wilderness and the peaceful stillness of winter. Our frozen magic concludes in Sofia, Bulgaria’s historic and cultural heart, where vibrant streets, ancient ruins, and cozy cafes invite you to explore at your own pace. From the thundering Skakavitsa Waterfall to the mythical Seven Rila Lakes, we'll experience a winter wonderland that few travelers ever get to see. **Important Notes** This trip is ideal for beginners to snowshoeing with a good level of fitness and some experience of mountain hikes. Hiking boots with ankle protection and proper winter clothing are essential. Snowshoes require hiking boots to attach securely. **ITINERARY** **Friday** Arrive at Sofia Airport and transfer to Panichishte – a peaceful mountain resort nestled at 1,350m on the edge of Rila National Park. Surrounded by ancient pine woods and dramatic landscapes, our mountain hotel offers stunning views of the snowy peaks. After check-in, enjoy a warm traditional Bulgarian dinner and relax before the winter magic begins. **Saturday** Hike: Skakavitsa Waterfall (1750m) Grading: [Intermediate](https://outdooraholics.co.uk/HikeGradings.pdf) Hiking time: 4 to 5 hours After breakfast, we strap on our snowshoes and begin our journey into the magical winter landscape, following the gentle flow of the Skakavitsa River. We trek through ancient conifer forests, feeling the snow crunch beneath our feet as sunlight filters through frosted branches, the air crisp and filled with the soothing sound of running water. Our destination is the majestic Skakavitsa Waterfall thundering 70 meters through a cathedral of centuries-old white pine forests. In winter, its cascading waters freeze into a stunning curtain of glistening ice, surrounded by the silence of winter – a true playground for ice climbers and a breathtaking sight for adventurers. Return to our cozy hotel in Panichishte for a well-earned evening of relaxation and warm dinner. **Sunday** Hike: Seven Rila Lakes Grading: [Intermediate](https://outdooraholics.co.uk/HikeGradings.pdf) Hiking time: 4 to 5 hours Today, we set off to explore one of the most iconic places in Bulgaria – the Seven Rila Lakes. Nestled between sharp, rocky ridges at an altitude of over 2,000 meters, these stunning glacial lakes sparkle like gems in the alpine landscape. After a scenic chairlift ride with sweeping views of the snow-covered peaks, we begin our snowshoe hike through this breathtaking glacial valley. Each lake carries a poetic name reflecting its unique character: Salzata ("The Tear") with its crystal-clear waters, Okoto ("The Eye") as the deepest cirque lake in Bulgaria, Babreka ("The Kidney") with its steep shores. In winter, these lakes transform into a frozen wonderland, their surfaces a glittering canvas of white and blue. Local legend speaks of two giants, lovers turned to stone, whose endless grief created these pristine waters – a romantic tale that adds mystical depth to our adventure. In the evening, we'll transfer to Sofia, where our guided trip ends and you'll have a free evening to self explore Bulgaria's vibrant capital nightlife - a city where ancient Roman ruins, Ottoman mosques, and modern boulevards coexist in harmonious contrast. **Monday** After breakfast, enjoy some free time to self explore Sofia at your own pace - wander through ancient ruins, visit bustling markets, or admire the stunning mix of mosques, cathedrals, and modern architecture. Then take a short metro ride or taxi to the airport for your flight back home. **COST & PAYMENT** £397 Trip payments are non-refundable and non-transferable. When the trip is sold out fully paid spaces can be advertised to the same gender, for details: [FAQ](https://outdooraholics.co.uk/FAQ.pdf) **START AND END TIME** Times are local time i.e. the times for Bulgaria are in Bulgarian time. We suggest the inbound group flights below. For anyone on these flights or at the airport at this time we arrange a complimentary transfer to the accommodation at 1:50pm, this collection is from TERMINAL 1 arrivals area. If you arrive later, you’ll need to make your own way to the accommodation. Flights are not part of the package and are suggested for convenience only - if your chosen flight is cancelled or disrupted, you remain responsible for reaching the meeting point and should ensure your travel insurance covers travel disruption. Inbound flight 20.02.2026 1\. Easyjet London Gatwick \(LGW\) 06:00 \- Sofia Terminal 1 \(SOF\) 11:05 Flight EZY6591 2\. Ryanair London Stansted \(STN\) 05:55 \- Sofia Terminal 2 \(SOF\) 11:20 Flight FR1730 3\. Wizzair London Luton \(LTN\) 08:20 \- Sofia Terminal 1 \(SOF\) 13:30 Flight W64302 **RETURN** The trip ends at the hotel in Sofia and you can make your own way to the airport. The cheapest way to do this is via metro (underground) and it costs about 0.80 Euros taking around 30 minutes, taxis are also cheap. Please book onward flights with a comfortable buffer, as we are not responsible for missed connections; your travel insurance should cover delays or disruption. **FOOD** Breakfast will be provided each day. We will stop by a local grocery shop where you can buy your favourite items for lunches. For dinner you can explore the local cuisine. Vegetarian food can be catered for, vegan cannot in the mountain hotel but can be in the Sofia hotel. Some dietary requirements such as nut free and gluten free cannot be catered for. We need to be aware of all dietary requirements prior to booking, please email us to verify if they can be catered for first: info@outdooraholics.co.uk **THE PRICE INCLUDES:** • 3 nights hotel accommodation in twin en suite rooms • Complimentary airport transfer at the start for everyone taking the suggested flight option • Private minibus transport throughout the trip and back to Sofia • Breakfast each day • Compliance with the 2018 Package Travel Regulations including Financial protection • Hikes by an experienced local Mountain Guide (Outdoor First Aider) **THE PRICE EXCLUDES:** • Flights • Dinners, drinks and lunches • Chair lift - approx 15 Euros • Hire of snow poles and snowshoes - 20 Euros • Metro to Sofia Airport on Monday (approx 1 Euro) **INSURANCE** It is essential that you have travel insurance that covers the cost of emergency medical treatment and also the activity of snowshoeing (up to 3000m in this case). Your insurance must also cover cancellation, curtailment, and travel disruption (for example if you cannot reach the start of the trip due to cancelled or delayed flights). You will be required to provide a copy of this before the trip. Without it we cannot accept you onto the trip and no refund will be due in this case. Outdooraholics cannot verify policies or what they cover so please confirm with your insurer. The guide accepting your policy is not an indication that we confirm it is valid or covers what we list, only your insurers can confirm this. There are lots of insurers who cover snowshoeing, for example the BMC: [LINK](https://www.thebmc.co.uk/insurance) You will also need to ensure you have all valid documents to visit this country including a passport and Visa if you require one. Bulgaria is within the EU. **SAFETY** \- Your guide is a trained hike leader\. Outdoor activities involve a risk of personal injury\. Please bring suitable hiking footwear and hiking clothes such as warm clothes\, waterproof jacket and trousers \-[ CLOTHING TIPS](https://www.londonhiking.co.uk/Equipment.pdf) [Instagram](https://www.instagram.com/outdooraholics/) 📸 [Foreign trips](https://outdooraholics.co.uk/foreigntriplist.pdf) 👣 [Calendar - All trips](https://www.meetup.com/outdooraholics/events/calendar/) 📖 [Facebook page](https://www.facebook.com/Outdooraholics) & [Photos group](https://www.facebook.com/groups/Outdooraholics) **[TERMS AND CONDITIONS](https://outdooraholics.co.uk/TermsConditions.pdf)** \- By signing up or attending you agree to these © Outdooraholics Ltd 2026 E & OE

Based on my MBA research, this talk explores the current state of Agile adoption in Greek organizations. Drawing on survey data from executives and Agile team members, it examines how Agile is practiced today, which frameworks are in use, what success looks like and where things quietly start to break down. The research reveals a growing gap between how leaders believe Agile is working and how teams actually experience it. Using a data-driven lens, we explore the real challenges of scaling Agile in Greece, the underestimated role of culture and people, and what it takes to build truly adaptive, innovation-driven organizations. While the data was collected in Greece, the findings are compared with some of Europe’s most mature Agile environments, particularly Denmark and the Netherlands. This comparison places the Greek ecosystem in a broader EU context, distinguishing local constraints from universal Agile challenges and highlighting what can realistically be adapted. **What you’ll take away** * Uncover critical perception gaps, such as the ‘Culture Blind Spot’, that are holding teams back without leadership realizing it. * See the shared roadmap executives and teams actually agree on for scaling Agile beyond pilots and isolated successes * Identify the human factors currently undervalued, contributing to stalled innovation in the majority of organisations and talent loss eventually. * Learn how to move beyond the ‘delivery’ toward healthier, more resilient organizations This session is ideal for leaders, managers, Agile practitioners, and anyone interested in the future of work and organizational agility.

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

#### 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.

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.

**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

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.

This meeting will be an open discussion about the book "an Immense World" by Ed Yong