Financial Innovation

Dear Friends The next event will take place in the Gustav Cafe inside Kristiine keskus. This is a comfortable location for our group and a place where we can enjoy multiple teas/coffees cake, pastries while socializing and generally enjoying each other's company. You are welcome to pop in and join us. Look forward to seeing you there! Nabil

We are gathering for a rare candle workshop of mine at the new studio at Kaarli pst 11, where we will learn to mold magic candles by hand, using natural beeswax and whatever you can find in the witch's cabinet. Tickets are 15 Europs per person, sold at Fienta: https://fienta.com/et/intuitive-hand-molded-ritual-candle-workshop-by-witch-of-tallinn You don't need a lot to start making your own ritual candles for manifestating, magic, subconcious proframming or meditating. Jus natural beeswax from a local bee farmer, Alice at Kajamiku Farm, your own two hands and an intention. I will guide you how, but I will not be telling you what to do. We will be practicing your intuition and channel information from the Field to programme your candle. And, of course, I will teach you what's the point of candles and rituals, and how to actually use these for powerful transformation and changes. I would know, I sell these as a professional witch and people are quite happy with them. Some extra rare ingredients like snake skin, hedgehog fuzz etc. will cost extra, but otherwise most of my herbs are included in the price already. Normal price is €15 per person. Members of my Telegram group chat get a -€5 coupon. If you'd like to learn more about the Magical Tallinn Telegram (and coupon) text me on instagram: [www.instagram.com/witch_of_tallinn/](https://www.instagram.com/witch_of_tallinn/) And why not check out some of my signature candles for sale: www.etsy.com/shop/WitchOfTallinn

We’re going to have a nice outside full-body workout, 🏋🏻‍♀️ controlled by a fitness coach Yuliia, who is also a World Grappling Silver Medalist (martial arts), so take a good mood and wear the sports clothes!

🎮 Even though it is not an event held by us, we're thrilled by the fantastic board game nights and the vibrant gaming community of Yo Mana! With an impressive collection of **100+ board games and access to game consoles like PS5, PS4, and Nintendo Switch**, this is a gaming paradise. 💰 To support the community and help cover the rent, there's a **5€ participation fee**. It would be the easiest for you to bring it in cash. Trust us, it is a modest fee considering the hours of enjoyment and the variety of games at your disposal. 📅 **Check out their [website](www.yomana.ee)**! They have a Discord channel and many other events happening. Just scroll down on the website to see the calendar. Also also, there's a recurring [Facebook event](https://facebook.com/events/s/wednesday-board-games-yo-mana-/967419134491734/) for these Wednesdays. **💬** Because **we're not the organizers of these events**, for any specific inquiries or additional information please reach out to Yo Mana through the contacts on their website.

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

**Welcome to the Women’s Columbus Bogleheads® Sub-Group** This sub-group is for **women who want to learn and discuss finances in a safe, supportive space**. For those interested in moving towards financial independence and retirement by learning investment basics, choosing your 401(k) investments, minimizing taxes, and more. We’re a local chapter of **Bogleheads®**, following a long-term, practical investment philosophy: [Investment Philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy): https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [Bogleheads Forum](https://www.bogleheads.org/index.php): https://www.bogleheads.org/index.php No question is too small, and no experience is too simple. Share, ask, and learn — at your own pace, without judgment, in a group of like-minded women. Let’s build confidence and knowledge **together**!

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.

Learn how seller finance and notes can create cash flow and new deal opportunities with 40-year investor Eddie Speed **FREE TICKET** 🎟️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp Most real estate investors only know one way to make money: Buy the property. Fix the property. Rent it or sell it. But there’s another side of real estate that can create cash flow, flexibility, and opportunity without only focusing on owning more property. At this month’s Columbus Investors Club, Tiffany and Josh High are sitting down with Eddie Speed - a real estate veteran with 40 years of experience who has closed more than 50,000 note deals. He has spent decades helping investors understand how to structure deals through seller finance and notes, and how to think more like the bank instead of just the buyer. This will be a practical conversation around a part of real estate most people have heard about, but very few truly understand. If you’ve ever wanted to know how to create more opportunities in deals, generate cash flow in a different way, or understand how seller finance actually works in the real world, this is a night you want to be in the room for. You’ll walk away thinking about deals differently, seeing new possibilities, and understanding how creative structuring can open doors that traditional investing alone can’t. **What You’ll Learn** * How seller finance works in real estate deals * How notes fit into real estate and create opportunity * How to structure deals more creatively * How investors generate cash flow by focusing on the payment * How to think like the bank instead of only focusing on owning the property * How this strategy can create flexibility in today’s market **Open Q&A - Ask Eddie Anything About** * Seller finance and how to use it in real deals * How notes work in a practical, beginner-friendly way * Creating cash flow without only relying on rentals * Structuring deals that others might miss * How experienced investors think differently about financing * Common mistakes investors make when they only focus on the property **Why You Should Be in the Room** Because the investors who win in the long run know how to do more than just buy houses. They know how to structure.They know how to create terms.They know how to see opportunities other people miss. This is the kind of conversation that can expand the way you think about real estate entirely. Come ready to learn, ask questions, take notes, and connect with people who are serious about growing in this business. **Reserve your free seat now - and be part of the conversation.** Grab your spot here ➡️ https://www.eventbrite.com/e/how-to-structure-real-estate-deals-using-seller-finance-and-notes-tickets-1984826171509?aff=cicmeetupapp

**The Data-Driven Brand: Using Analytics to Shape Perception** Can you use analytics to improve tacos? This being CBUSDAW, we think the answer is probably “yes”, but we’re not sure how to implement or test this theory. For our April meetup we’ve got Sara Kear, CMO of Condado Tacos, to investigate this delicious question. Sara will explore how she blends quantitative data and qualitative customer feedback to shape brand positioning and drive business decisions. We all know that marketing and analytics go way beyond attribution. Sara will show how Condado uses customer insights to inform product and pricing strategy. She’ll also highlight how Condado leverages customer feedback at scale to influence operational priorities, positioning marketing as the voice of the customer across the organization. In the last 12 years Condado has gone from one location in Columbus to 52 locations across 10 states, so we’re guessing there’s more to that growth than really good guac (though the guac probably helps). Ultimately, this talk focuses on the intersection of art and science—using data to inform creativity and build a brand that resonates with customers in a measurable way. **About Our Speaker** Sara Kear is Chief Marketing Officer at Condado Tacos, where she oversees brand, restaurant design, menu and pricing strategy, off-premise including catering, and customer data strategy. Since joining in 2021, she has helped grow the brand from 19 to 52 locations while building a data-driven marketing organization focused on loyalty and customer insights. Condado has since been named to the Inc. 5000, recognized as Breakout Retailer by Chain Store Age, and consistently ranked among FastCasual’s Top 100 Movers & Shakers. Thanks to our 2026 sponsors: [Clarivoy](https://www.clarivoy.com), [What Box Consulting Group](https://www.whatboxconsultinggroup.com), [Conductrics](https://www.conductrics.com), and [Piwik PRO](https://piwik.pro) More info at [cbusdaw.com](https://cbusdaw.com)

Pay attention! We’re delaying a week for those of you who may be on Spring break and/or celebrating the holiday. Ok, no pancakes, but waffles-a-plenty. Join the local UX and Digital Design community for a casual monthly breakfast. Look for us upstairs!