Financial Education

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.

Get your creativity flowing with our Bento Cakes Workshop, where you'll learn how to create the cutest, trendiest mini cakes from scratch! Perfect for gifting or indulging in a personal treat, these Korean-inspired bento cakes are all about charm, color, and fun. In this hands-on class, you’ll: ✨ Learn the basics of mini cake layering and frosting 🧁 Practice piping and decorating techniques 🎨 Personalize your cake with messages, designs, and pastel colors No baking experience? No problem! All materials are provided, and our instructor will guide you every step of the way. Come solo or bring a friend—this workshop is sweet, creative, and oh-so-Instagrammable! 💖 **Les Amis** is a women-only community of friendly souls. We provide access to hundreds of experiences that explore your passions and connect you with other event participants. **Check our website to learn more, and apply to join our community and events**: [lesamis.cc/apply](https://www.lesamis.cc/apply)

**THEME:** CARNIVAL *If you wish, dress up for this Carnival themed dance* **WHEN:** Friday, February 13th, 8:30 pm - MIDNIGHT Stay for tea & snacks **+ cuddles** after the dance to continue our evening of connection. **WHERE:** Studio 2 - Bethanien, Mariannenpl. 2, 10997 Berlin Enter main entrance on Mariannenplatz 2 (bldg with 2 towers)- take first staircase to the right up to the 2nd floor (2.OG). **WHAT:** **5Rhythms Dance w/ Oliver** playfully evokes high and deep physical presence through passionate dancing and powerful music. Let yourself be guided into a deepening relationship with your outer and inner body, with your self and your life, creating many moments to still the mind through movement. This event includes a somatic introduction and integration. Liberate into the here and now through the **5Rhythms Dance w/ Oliver** Dance Meditation. In this class movement becomes the medicine, the meditation and the metaphor. **✨SCHEDULE✨** 20:00 - Arrival 20:30 - Somatic Opening 21:00 - Doors closed 21:05 - 5 Rhythms Dance 23:00 - Social Time - Tea/Snacks + **cuddles** **WHO**: Since 2014, **OLIVER** has been an accredited 5Rhythms teacher, trained in New York City by 5Rhythms founder Gabrielle Roth and her son Jonathan Horan. In addition to the 5Rhythms, his work is infused with a deep, decades-long practice in Gurdjieff’s sacred movements, meditation, and yoga (certified teacher with Richard Freeman). Oliver is also a musician. In innovative ways, he integrates complementary approaches and practices to enrich his 5Rhythms offerings (Somatic Experiencing, meditation / awareness practices, live music / chanting, community building, and transformative group experiences). Oliver is based in Berlin and offers workshops and retreats across Europe and the USA. \*\*All of Oliver’s class and workshop hours count toward the prerequisites for the 5Rhythms Teacher Training.\*\* **PLEASE BRING:** \- Open mind \- Comfortable dancing clothes \- Water bottle **PRICE:** Regular: €25 — Reduced: €22 — Supporter: > €25 — Or pay according to your own means **OPTIONAL REGISTRATION / PRE-PAY (in addition/alternative to Eventbrite)** **Eventbrite:** [Tickets here](https://www.eventbrite.com/e/1980012083442?aff=oddtdtcreator) **Email:** [oliver5rhythms@gmail.com](mailto:oliver5rhythms@gmail.com "mailto:oliver5rhythms@gmail.com") **Subject:** REGISTRATION for -event's date- or **PayPal**: oliver5rhythms@gmail.com (Family & Friends)

Build and Strengthen Your Football Foundation in a Beginner-Friendly Environment. Looking to feel more comfortable and confident on a pitch? Join us for professional training sessions crafted specifically for beginner/amateurs and those eager to strengthen their foundational football skills. Our sessions focus on helping you grasp the basics and build a solid foundation lead by UEFA Licensed Coach Fernando Rebora - https://www.transfermarkt.co.in/fernando-rebora/profil/trainer/122442 **Beginner-Friendly Coaching:** • Led by UEFA Licensed Coach Fernando Rebora, our sessions focus on helping you grasp the basics and build a solid foundation. **First Session is FREE:** • Experience our supportive and friendly environment with no commitment. **Affordable Monthly Fee:** • Continue your development for just **80 EUR** per month after your free session. Training Details: We are a beginner/amateur football lovers who train with a coach to improve our technique and practice game knowledge. • When: Every Friday at 5 PM • Duration: 1.5-hour sessions focusing on fundamental skills and confidence-building • Where: Meet us on Platz #1 What You’ll Gain **Essential Skills:** Learn and master the fundamentals to help you play confidently. **Boosted Confidence:** Feel at ease joining any pickup game knowing you have the skills to enjoy the game. **Supportive Community:** Train with like-minded individuals in a welcoming atmosphere. Take the First Step Towards Confident Play! Don’t let inexperience keep you off the field. This is your chance to develop your abilities in a nurturing setting and start enjoying football like never before. **👉 Sign Up Today and Kickstart Your Football Journey with Confidence!**

Forge alliances, lay false trails, spin lies and expose them – welcome to the Social Deduction Night at Irrlicht! 7pm til late =) Veterans and complete beginners are welcome! Depending on your experience level, we will choose the appropriate script. Rules will be explained on the spot – for those who dont know the rules, please make sure to arrive 15min before, so we can start on time.

Unser internationales Sprachcafé richtet sich an Alt- und Neu-Berliner\*innen, Reisende und Anwohner\*innen - alle sind willkommen! Bei heißem Tee und Kaffee und frischen Waffeln könnt ihr mit Menschen aus aller Welt ins Gespräch kommen. Um das Eis zu brechen, haben wir verschiedene Spieleinheiten vorbereitet - wie zum Beispiel ein Kennlern-Bingo, Impro-Theater-Übungen und ein kleines Berlin-Quiz. Selbstverständlich ist die Teilnahme an den Spielen freiwillig und ihr könnt euch gerne einfach gemütlich unterhalten. Wir möchten vor allem Sprachstudierende ermutigen teilzunehmen, und Berlin in diesem Rahmen aus verschiedenen Perspektiven kennenzulernen, persönliche Kontakte zu knüpfen und in das kulturelle Kiezleben der Stadt einzutauchen. Teilnahme auf Spendenbasis

**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

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!

**✧ FOR YOU ✧** Maybe you want to release daily tension and reconnect with your body. Maybe you love good music and want to dance outside the club. Or maybe you’re simply curious to find more freedom in your movement. Whether you’ve danced a thousand times or never before —come as you are and bring some curiosity with you. ***No previous experience required.*** **✦ WHAT IS x-dance ✦** x-dance blends dance, self-expression, and meditation. There are no steps to learn or follow here - it's an invitation to spontaneous movement. Guided by an eclectic wave of sound and inspirational prompts, you’ll move through the 5Rhythms — five life energies that rise and fall like a wave. **✺ Three ingredients shape each journey ✺** ✺ Celebration of you - Nothing to get "right" ✺ Invitations - Follow what feels true for you ✺ Presence - Dance becomes a meditation in motion **⟢ CONTRIBUTION ⟣** ⟢ €15 \(Reduced\) \| €20 \(Regular\) \| €25 \(Supportive\) ⟢ Buy via[ this link](www.samarlinn.com/events/x-dance) or cash at the door **⋰ WHAT TO EXPECT ⋱** ⋰ Entry from 19.15 - Please note entry after 19.45 isn’t possible. ⋰ Warm-up + Introduction ⋰ Guided music wave — move, release, reconnect ⋰ Take it further - open space after class to connect ⋰ No phones on the dance floor

**✧ FOR YOU ✧** Maybe you want to release daily tension and reconnect with your body. Maybe you love good music and want to dance outside the club. Or maybe you’re simply curious to find more freedom in your movement. Whether you’ve danced a thousand times or never before —come as you are and bring some curiosity with you. ***No previous experience required.*** **✦ WHAT IS x-dance ✦** x-dance blends dance, self-expression, and meditation. There are no steps to learn or follow here - it's an invitation to spontaneous movement. Guided by an eclectic wave of sound and inspirational prompts, you’ll move through the 5Rhythms — five life energies that rise and fall like a wave. **✺ Three ingredients shape each journey ✺** ✺ Celebration of you - Nothing to get "right" ✺ Invitations - Follow what feels true for you ✺ Presence - Dance becomes a meditation in motion **⟢ CONTRIBUTION ⟣** ⟢ €15 \(Reduced\) \| €20 \(Regular\) \| €25 \(Supportive\) ⟢ Buy via[ this link](www.samarlinn.com/events/x-dance) or cash at the door **⋰ WHAT TO EXPECT ⋱** ⋰ Entry from 19.15 - Please note entry after 19.45 isn’t possible. ⋰ Warm-up + Introduction ⋰ Guided music wave — move, release, reconnect ⋰ Take it further - open space after class to connect ⋰ No phones on the dance floor

Wir zelebrieren gemeinsam einen vielfältigen Samstagsbrunch. Es gibt köstliche Waffeln und Pfannkuchen mit leckeren Toppings. Alle Zutaten sind pflanzenbasiert und Bio/nachhaltig/gerettet. Wir laden Pianisten ein unser Klavier zu bespielen. *** Kommt einfach vorbei. Ihr braucht keine Anmeldung. *** Bitte bringt warme Socken mit. Teilname und Getränke auf Spendenbasis. *** Siehe auch auf: LebensMittelPunkte-Berlin

Scented Sensations Candle Workshop: Crafting Beauty, One Candle at a Time 🕯️✨ Step into the enchanting world of artisanal candle-making by Garden State, where creativity meets sustainability in an immersive experience designed for women. At the Scented Sensations Candle Workshop, you'll craft breathtaking, handmade candles using eco-friendly soy wax and exquisite botanical fragrance oils from France. This is your chance to design a signature aroma that perfectly reflects your personality and mood. Garden State's workshop is more than just creating—it’s about exploring the transformative power of scent as a form of self-expression. Personalize your candle's label to make it truly one-of-a-kind while connecting with a like-minded community in a warm, inspiring environment. **Les Amis** is a women-only community of friendly souls. We provide access to hundreds of experiences that explore your passions and connect you with other event participants. **Check our website to learn more, and apply to join our community and events**: [lesamis.cc/apply](https://www.lesamis.cc/apply)

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!

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

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.

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.

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)*

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.