Financial Innovation

**Please click [https://www.facebook.com/share/p/19kaCjhGoW/](https://www.facebook.com/share/p/19kaCjhGoW/) .** **For full trip details, please WhatsApp:** Kelvin - [https://wa.me/6593838649](https://wa.me/6593838649?fbclid=IwZXh0bgNhZW0CMTAAYnJpZBExaHcwTlRpV3hPRkdMSWVmeQEe7rDBe3jJagiX3wMW5bVf_x2ymKTbru7uXsJ2ICvhm71fJTaiwDI2-3lC3wI_aem_6jhjnkpKqt3OApCopwe_Ug) Magdalene - [https://wa.me/6597914105](https://wa.me/6597914105?fbclid=IwZXh0bgNhZW0CMTAAYnJpZBExaHcwTlRpV3hPRkdMSWVmeQEeWAe4SmAkTfQGGwjWfDEU63IFXhM70ff1tMbvMkNddoarDB2GrNy-fRK20Xo_aem_Iey5ICr6l7CfayeDC8XUtQ) **For more adventure trips, please click** [https://linktr.ee/thetravellingbackpack](https://linktr.ee/thetravellingbackpack)

Welcome to Themed Super Scrabble meetup in Singapore! *Word play is similar to what you might already know. *Just try to form words from a word list provided to get higher score bonuses. *Expand your world knowledge through active participation on a giant game board. After RSVP kindly notify me immediately via WhatsApp I will provide you a theme word list for you to refer during the game😀 See you soon!! Joseph 88023147

**For ages 13 and above.** Muay Thai is a striking based martial art and sport. Also known as “The Art of Eight Limbs”, it is characterised by the combined use of the fists, elbows, knees and shins. It is an ancient martial art of Thailand known for its tremendous power. Students will be taught how to utilise a symphony of kicks, punches, knees strikes and elbow strikes. ### **Address** 701A Yishun Ave 5, #02-01A, Singapore 761701 ### **Schedule** Sundays 6PM - 7PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

**For ages 18 and above.** Elevate Your Game with SweatINC Badminton Classes! **Beginner Friendly & Progressive Skill Building**: New to badminton? No worries! Our beginner-friendly section ensures that novice players receive special attention to grasp the fundamentals with confidence. As you advance, our coaches will gradually introduce more complex skills, ensuring a smooth transition from beginner to intermediate levels. **Expert Coaching:** Our classes are led by experienced and certified badminton coaches who are passionate about the sport. Benefit from personalized instruction, feedback, and skill-building exercises that will take your game to new heights. **Community and Fun:** At SweatINC Badminton, we believe that sports should be enjoyable. Our classes not only offer a fantastic workout but also provide a social and friendly environment. Connect with fellow badminton enthusiasts, make new friends, and share the joy of the game. ### **Address** 11 Rivervale Link, Singapore 545081 ### **Schedule** Sundays 4PM - 6PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

Our Valentine’s Candle Making Workshop is filling up fast 💕 ✨ Only 6 spots available per session Create romantic, handcrafted candles with your plus one and make this Valentine’s extra special 🕯️💖 📅 Available Slot: 5.00 PM – 7.00 PM 📍 Primz Bizhub, Woodlands 💰 $60 per Couple ⏳ Limited availability – once it’s gone, it’s gone! 📩 DM or WhatsApp to book now 👉 +65 9722 3997

**For ages 13 and above.** ***Teens Basketball (Ages 13-18) – “Elite Development”*** For teens looking to take their game to the next level, we focus on advanced skills, footwork, game strategy, and competitive play. This class includes structured training in shooting techniques, ball-handling, defense, and game IQ, preparing players for school teams, competitive leagues, and beyond. ***Adult Basketball (Ages 18+) – “Game Ready”*** Whether you’re a beginner or an experienced player, our adult sessions provide skill development, fitness training, and competitive play. These sessions focus on shooting accuracy, defensive strategies, and game execution, ensuring players stay sharp and active. ### **Address** 412 Fernvale Link, Singapore 790412 ### **Schedule** Sundays 5PM - 6PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

**For ages 4 and above.** Beginner classes will emphasize on fundamental skating techniques which will equip you with basic skills such as stopping, turning and speed control. Intermediate classes will tap onto the basics and expand the skills with diverse alternatives that will bring you to the next level of skating independently. Expert classes are for students with the bare minimum for outdoor skating and would like to take it to a higher level. There is no fixed number of classes for each level as we understand the learning rate of every individual varies. Hence, our instructors will provide the necessary tips and advice curated specifically to your learning needs. ### **Address** 3 Ang Mo Kio Street 62, #02-13, Singapore 569139 ### **Schedule** Sundays 3PM - 4PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

**For ages 12 and below.** ### **Address** Singapore 560548 ### **Schedule** Sundays 5PM - 6PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

**Friendly 1/1 NLH Poker Home Game – No Fees, No Rake, Just Fun!** 📍 **Where**: Central Singapore (DM for location details) ⏰ **When**: Every * **Thursday**: 8 PM * **Friday**: 8 PM * **Saturday**: 3 PM * **Sunday**: 3 PM 💎 **Stakes**: 1/1 NLH 🚫 **No Fees**: No entry fees, no rake, no hourly charges – just pure poker action! 💰 **Buy-ins**: Cash or PayNow accepted – flexible options to suit you! 💧 **Free Drinks**: Stay hydrated while you play, on us! 🍿 **Perks**: * Free drinks provided * Easy parking for all guests, free parking jus pm me. its a private apt. * Bring your own snacks and drinks – make it a fun poker experience! * VIP-friendly environment with filtered players only * Special **Orbit Games & Optional Bomb Pots** to spice things up! **RSVP** to secure your spot and please increase your guest count if you're bringing a friend. **DM me** for location details and any further questions. Looking forward to seeing you there – let's play!

**For ages 5 to 12.** ### **Address** 3063 Ang Mo Kio Ave 5, Singapore 569868 ### **Schedule** Sundays 330PM - 5PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

**For ages 13 and above.** #### **Who is this for?** Whether you are a novice with no prior experience in Taekwondo or any other forms of martial arts or a seasoned player with years of training, the school will be able to impart knowledge and skills according to your level of proficiency. #### **What will you learn?** Our school is committed to teaching the complete system of Taekwondo. This includes: * Traditional Forms * Taegeuk (Modern) Forms * Kicks, punches, strikes and sweeps * Take-down skills * Ho Shin Sool (self-defence techniques) * Grappling techniques * Full range and integrated sparring * Competition (Olympic style) sparring #### **What are the benefits?** Taekwondo, when practised regularly and properly, helps individuals to maintain fitness and general physical well-being. Physically, this means exercising all of the muscles and strengthening the body systematically, both internally and externally. Mentally, this means developing self-control and self-discipline on a path to achieving inner harmony. ### **Address** 69 & 69A Serangoon Garden Way Singapore 555965 ### **Schedule** Sundays 230PM - 330PM ### **Booking Information** * Please contact **98225900** to find out how to book this class. * The instructor will reach out to you once you've booked the class.

Welcome all to this coming Sunday Worship service and feel the power of spirit filled Worship as we celebrate Father day. 5pm to 7pm

**Who Is This Session For:** Beginner tennis players with no experience or play for less than 1 year. **What You'll Learn:** \- Foundational tennis skills\, footwork\, forehand and backhand strokes\, volley and serve \- Learn progressively\, in stages\, to adapt and improve on these basic skills \- Spar with players of similar standard \- Learn tennis from certified coach \- At least 2 years of coaching experience **What To Prepare:** Water bottle, sports attire, tennis racket will be provided to you :) **Number Of Pax:** Max 4 pax per group **Wet Weather Policy:** Reschedule in case of rain, 1h before lesson **Time:** Sunday 5-6 PM **Price:** $45 per class $150 for 4 classes ($37.50/class) Please PM or Whatsapp Gabriel ([8401 4648](https://wa.me/6584014648)) if you are interested! 😊 ➡️ [https://wa.me/6584014648](https://wa.me/6584014648) **We Also Have Classes Other Popular Locations** River Valley, Buona Vista, Tampines, Punggol, Upper Thomson, Stadium, Farrer Park, Kembangan, Choa Chu Kang, Lorong Chuan, Senja Cashew CC, Bukit Batok and many more! **View All Our Tennis Classes Islandwide! 👇** [https://sporthitch.com/tennis/](https://sporthitch.com/tennis/) **Arrange For Adult Private Tennis Classes! 👇** [https://sporthitch.com/adult-private-tennis-classes-singapore/](https://sporthitch.com/adult-private-tennis-classes-singapore/) **Arrange For Kids Private Tennis Classes! 👇** [https://sporthitch.com/kids-private-tennis-classes-singapore/](https://sporthitch.com/kids-private-tennis-classes-singapore/)

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

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.

Join other experienced and aspiring agile coaches and professionals to: * develop and practice your coaching skills in a peer-to-peer environment * share current successes and challenges in your work environment and get support from each other * learn from each other, build better relationships and experiment with new ideas

#### 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.

**💥 Join us THIS Saturday and EVERY Saturday!** **💥 At Columbus’ Hottest New Salsa Venue!** **.** Lincoln Street Salsa THIS Saturday and EVERY Saturday! 8 pm – 1 am **.** **💥 Gorgeously Renovated Studio!** **💥 Free Parking!** **💥 BYOB!** **💥 Easy Access from Highway!** **.** Lincoln Street Salsa 1717 Brice Rd Reynoldsburg, Ohio 43215 **.** **ENTRANCE IS ON THE NORTH SIDE OF THE BUILDING** **Behind Anthony’s Pharmacy!** **.** **PLEASE SHARE and help get the word out!** **.** **🟣 Salsa, Bachata, and Merengue Dancing!** **.** **🟣** 8:00 pm – 8:30 pm **𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻** **.** **🟣** 8:30 pm – 9:30 pm **𝗕𝗲𝗴𝗶𝗻𝗻𝗲𝗿 𝗗𝗮𝗻𝗰𝗲 Class!** **.** **🟣** 9:30 pm – 1 am **𝗢𝗽𝗲𝗻 𝗗𝗮𝗻𝗰𝗲 𝗣𝗮𝗿𝘁𝘆!** **.** **✅ Questions?** **Visit [LincolnStreetSalsa.com](https://columbussalsadancing.com/)** Or Text Todd: 614-774-8146 **.** **✅ No Experience Necessary!** **✅ No Partner Required!** **✅ Plenty of People to Dance With!** **.** **✅ $15 Cash / $16 Card** **✅ College Students $5 Off with Valid ID!** **✅ BYOB** **✅ Age 18+** **.** **✅ Lincoln Street Salsa is the perfect place for…** **.** **👉 Learning to Dance** **👉** Social Dancing **👉 Birthday Celebration** **👉** Bachelorette Parties **👉 Girl’s Night Out** **👉 Date Night** **👉** Getting Fit / Burning Calories **👉 Meeting New People** **👉** Having Fun, Fun, Fun! **.** ✅ **Questions?** Visit [LincolnStreetSalsa.com](https://columbussalsadancing.com/) Or Text Todd: 614-774-8146

Join us as we get together to get together to help those in need at this CMG Gives Back event! For this event, we’ll help prepare food, serve meals, assist residents, wash dishes and clean surfaces at Fath Mission – Grant Kitchen. We have a great little community of Movie Group friends so rather than see a movie this time, we’ll help “Create a better world” by helping serve those in need. Here are complete details and our plan for this event: FAITH MISSION – GRANT KITCHEN: The Faith Mission kitchen and dining room serves residents 3 meals a day, every day of the year. Our group will help prepare food, serve meals, assist residents in the dining room, wash dishes, and clean surfaces. PLAN: We will be preparing / serving / cleaning for BRUNCH from 10:30am to 12:30pm and have space for a total of 7 volunteers. Please arrive at 10:15am and wear closed-toe shoes and long pants. LOCATION: Faith Mission – Grant Kitchen is located at 245 N. Grant Ave. Enter the kitchen at Dock 1, indicated in the attached map. On-site and street parking are available in the surrounding area. Below are some links / attachments with additional info/details: \* LSS Volunteer Guidelines: Uploaded to photos. \* Parking Map Info: Uploaded to photos. \* LSS Faith Mission Orientation Video: https://www.youtube.com/watch?v=Bp46_6ay6iA \* Link with Additional Details / Info: https://lss.vomo.org/opportunity/faith-mission-grant-kitchen-2025 IMPORTANT REMINDER: Our group will be providing the all of the volunteers on this day so a firm RSVP count is essential. Please only sign up if you are certain you’ll be able to attend. If something unavoidable comes up, please update your RSVP no later than one week prior to the event. With very few exceptions, no shows or cancelations within 1 week of the event will not be eligible for future CMG Gives Back events. I appreciate your understanding as we try to ensure the agencies have the volunteers needed to provide the essential services they provide to the vulnerable population they serve. THANK YOU: This CMG Gives Back event provides an opportunity for YOU to get involved in helping others! Benefits go well beyond the help we give to others. Volunteering provides a wide range of personal benefits, including positive effects on mental and physical health, reduced stress/depression/anxiety, increased happiness and improved purpose, life-satisfaction and personal well-being! Plus, the opportunity to get involved, connect with others and help those in need. PARTNER AGENCY: This event is hosted by Lutheran Social Services (LSS), which serves thousands of people in need each day in 27 Ohio counties by addressing the four core societal issues of food, shelter, safety and healing. LSS offers food through the LSS Food Pantries, housing and supportive services through LSS Faith Mission and LSS Faith Mission of Fairfield County homeless shelters, domestic violence services through LSS CHOICES for Victims of Domestic Violence, senior living and health care, affordable housing communities, and other services that uplift families and strengthen communities. Look forward to seeing you there, Dan

**Important time note:** Please plan on arriving between 5:30 and 6:00 as the elevators lock after 6 and you'll need to message us and we'll need to come get you. The building address is 4450 Bridge Park The entrance is 6620 Mooney St, Suite 400 You will need to scan your ID at the door to get a visitor badge. **Abstract** *Spec-Driven Development with GitHub Spec-Kit: From Intent to Implementation* Spec-driven development flips the traditional workflow on its head: instead of code being the source of truth, the specification becomes the backbone of design, collaboration, and delivery. In this session, we’ll explore how GitHub Spec-Kit enables teams to treat specifications as first-class artifacts—living documents that drive architecture, implementation, and verification. You’ll learn how Spec-Kit helps teams clearly express intent using structured, version-controlled specs that live alongside code. We’ll walk through a practical workflow that starts with defining system behavior and constraints, then progressively refines those specs into testable, automatable outcomes. Along the way, we’ll show how specs can reduce ambiguity, improve cross-functional collaboration, and make design decisions explicit before a single line of production code is written. This talk will cover: --What spec-driven development is (and what it isn’t) --How GitHub Spec-Kit fits into modern developer workflows --Using specs to align product, engineering, and AI-assisted development --Real-world examples of turning specs into implementations with confidence Whether you’re building greenfield systems, integrating AI into your stack, or trying to reduce costly rework, spec-driven development offers a scalable way to move faster without sacrificing clarity. Attendees will leave with concrete patterns and a clear mental model for adopting GitHub Spec-Kit in their own projects. **YouTube Link** TBA