Financial Planning

**\*\*\*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!

Join us for weekly runs (Every Sunday) along the beautiful Docklands waterfront. Get fit, make friends, and have fun! Schedule as followed: 8:00 Meet at Boost Juice under Big Ferris Wheel 8:00-8:05 Warm Up Run towards Newquay 8:05-9:00 Run 9:00 - 9:10 Cool Down 9:10 Post Run Coffee & Breakfast at "Brotherhood Cafe" nearby Meeting Point: 440 Docklands Drive Meet in front of Boost Juice under the Big Ferris Wheel! Docklands, VIC 3008 Australia

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**

This is a relaxed, social meetup for anyone interested in practicing Korean or English — no teachers, no lessons, no pressure! We’ll just hang out, chat, and get to know each other while switching between Korean and English as much (or as little) as you like. Whether you’re a fluent speaker or just learning “안녕,” you’re welcome here. Bring good vibes, maybe a drink or snack, and let’s have some fun conversations together! Last attendees must arrive by 8:30pm!

**Welcome to Incubator Melbourne!** Curious about how board games are made? This is our regular event to test prototype games. Newcomers are very welcome and no experience is needed. You don’t need to bring a game to join and play. ***Please RSVP here and cancel if you cannot attend.*** *Total attendance is higher than the Meetup RSVP list, and we typically have a good-sized group on the day.* 🗺️ **HOW TO FIND US** The Lion Hotel is on level 3 of Melbourne Central. We’ll be down the back at Jac’s Bar. Look for our tables and grab a seat. 👀 **WHAT TO EXPECT** • Bring a game to test, or just join in others’ games • Two sessions: short games first, longer games after lunch • Quick intros, setup, lunch break, then afternoon games ⏰ **TIMES** • 11:00–11:30am: Intros and setup • 11:30–1:00pm: Short games • 1:00–1:30pm: Lunch • 1:30–4:00pm: Longer games

If you’d enjoy a relaxed Sunday afternoon wandering through beautiful spaces, sharing thoughtful conversation, and ending the day over a lovely dinner — you’re warmly invited to join us. This is a women-only gathering designed to make connection feel **easy, unforced, and nourishing**, with art, movement, and shared experience doing the heavy lifting. ### Meet time & place **4:00pm – Meet inside the NGV, Great Hall** Please enter the **NGV (180 St Kilda Road, Melbourne)** and walk through **Federation Court**. We’ll meet in the **Great Hall**. (This meeting spot is easy to find once inside — see map/photo in the event images.) ### Gallery wander + conversation **4:00pm – 5:00pm** We’ll spend the afternoon **wandering a limited area of the NGV together**, moving at an easy pace and allowing conversations to unfold naturally as we explore. This is a relaxed, unstructured wander — there’s no rush and no expectation to see everything. The gallery provides a beautiful backdrop for: * Gentle conversation * Reflections sparked by art and design * Easy connections without small talk pressure As with other **Good Conversations Club** events, you’re welcome to arrive exactly as you are. I’ll have **conversation prompts available** that you’re welcome to use if you’d like — or not at all. They’re simply there to support ease, connection, and meaningful conversation if you want them. ### Walk to dinner The NGV closes at **5:00pm**, so we’ll meet out front, then take a **short walk (approx. 10 minutes)** together towards Flinders Street Station. ### Dinner **5:30pm – 7:00pm** **Chocolate Buddha** (very close to Flinders Street Station) Dinner is a chance to sit, slow down, and continue conversations over (shared?) food. You’re welcome to join for the gallery wander only, or both — dinner is optional but encouraged. ### Who this event is for This is a **women-only** event for those who are: * Young at heart and open-minded * Interested in art, culture, and meaningful conversation * Comfortable in mixed-age groups * Looking for connection without pressure or performance There’s no strict age range — you’ll likely meet women across different life stages who value presence, curiosity, and good conversation. (In general, ages of people attending our events have been around 25-50 years) ### Important notes * Entry to the NGV is free * Dinner is pay-your-own * Please arrive on time so we can begin together * Comfortable shoes recommended for walking This event is about **shared experience first**, followed by **nourishing conversation** — in beautiful surroundings, with ease.

We will get-together at the KereKere cafe - at the community table just inside the cafe entrance. *This is a group for people with intermediate and advanced level French who are able to engage in a conversation en français. It is not suitable for beginners.* The cafe is close to the corner of Wellington Parade and Lansdowne St, East Melbourne in the Fitzroy Gardens. It takes about 5 minutes on Tram 75 from Flinders St Station, or 15 minute walk. Car parking around Fitzroy Gardens on Sundays now is $2 per hour with a 4 hour limit, Some parking is limited to 1 hour even on Sunday. And occasionally, if there is a game at the MCG for example there might not be much parking at all. Price: The event fee is $4.00 - cash necessary! . and please be sure you are a member of MyFrenchLife.org before attending reunion - merci https://www.MyFrenchLife.org. The event fees are transferred to MyFrenchLife contributing to the meetup platform - thank you. À bientôt ! Veronica and Daniel Réunion Hosts MyFrenchLife.org

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 Rob will lead this month's meeting in my absence. Mark Vonder Haar

**Understanding the Columbus Housing Market: Let’s Talk Downsizing for Seniors** Understanding the Market to Make Your Best Move Yet Thinking about downsizing or helping a parent prepare for a move? Join us for a friendly, educational seminar designed specifically for seniors in Central Ohio. We’ll break down what’s happening in today’s Columbus housing market, explore timing and planning for downsizing, and discuss easy ways to prepare a longtime home for sale—without overwhelm. You’ll also learn about low‑maintenance housing options, financial considerations, and simple steps to make your next move smooth and stress‑free. This is a relaxed, no‑pressure event where you can ask questions and get practical advice tailored to seniors and their families. Hosted by: Katie McCartney, Broker & Senior Real Estate Specialist® (SRES)

If you would like to participate in a fun gift exchange please bring a wrapped $5 sweet treat 😋