Investing

Dear Club Polyglotte members, Please note that we changed our online meetings from Skype to Teams. An installation of Teams is not necessary (see links at the bottom). The online meetings take place on Tuesdays at 19:00, unless otherwise indicated. CP English Club Polyglotte Luxembourg Community in Microsoft Teams with Pete from London on Tuesdays at 19:00 h: https://teams.live.com/l/community/FEA32nllYOKVkYfQA8?v=g1 CP German Club Polyglotte Luxembourg Community in Microsoft Teams with Margit on Tuesdays at 19:00 h: https://teams.live.com/l/community/FEAPmC0cP2yAknqqAw?v=g1 CP Italian Club Polyglotte Luxembourg Community in Microsoft Teams on Tuesdays at 20:30 h. https://teams.live.com/l/community/FEAgAGRUsyLPKIB8BU?v=g1 CP Spanish Club Polyglotte Luxembourg Community Community in Microsoft Teams on Wednesdays at 19:00 h: https://teams.live.com/l/community/FEA7FZyGJ463yXNOwM?v=g1 CP Luxembourgish Club Polyglotte Luxembourg Community in Microsoft Teams Wednesdays at 19:00 h https://teams.live.com/l/community/FEAyv2RkRJLWFo8vAo?v=g1 CP French Club Polyglotte Luxembourg Community in Microsoft Teams on Fridays at 19:00 h. https://teams.live.com/l/community/FEAHMjICzF_sgKrfgs?v=g1 When you click on the secured https link, you need to connect to Teams and click on the button to join via your browser (no installation needed) Or via the MS Teams App, which is of course also possible. Download from the official website for your desktop: https://www.microsoft.com/en-us/microsoft-teams/download-app For your Android device from Google: https://play.google.com/store/apps/details?id=com.microsoft.teams&pli=1 For your OIS device from Apple: https://apps.apple.com/us/app/microsoft-teams/id1113153706 Kind regards, Your Club Polyglotte Luxembourg team Email: clubpolyglotte@gmail.com

Welcome to our weekly physical or virtual Club Polyglotte meeting. * As usual, a minimum consumption of one drink or something small to eat is obligatory at Restaurant Quai Steffen at 13, Place de la gare at the Luxembourg railway station. * We start our get together at 19:00 h and finish at 22:00 h. As on every Tuesday, participate at one of the following language tables: 1. English 2. French 3. Luxemburgish 4. German 5. Spanish 6. Italian or languages like Mandarin, Russian, Romanian or Arabic, if needed. We are constantly searching for Buddies who lead the various language tables and for those who would like to participate in the organisation for our club established in 1999. Please message us, if you are interested in managing the Club with us on Facebook / Meta. Membership fees per calendar year: 3 EUR cash (members until and including 24 Y, only 1 EUR) Compulsory consumption applies at Restaurant Le Quai Steffen! Best regards, Your Club Polyglotte Luxembourg team

**Life Sequence Transformer: Generative Modelling of Socio-Economic Trajectories from Administrative Data** by [Alberto Cabezas](https://scholar.google.com/citations?user=lOpuVOUAAAAJ&hl=en) and [Carlotta Montorsi](https://scholar.google.com/citations?user=6pFg4lkAAAAJ&hl=it) Generative modelling with Transformer architectures can simulate complex sequential structures across various applications. We extend this line of work to the social sciences by introducing a Transformer-based generative model tailored to longitudinal socio-economic data. Our contributions are: (i) we design a novel encoding method that represents socio-economic life histories as sequences, including overlapping events across life domains; and (ii) we adapt generative modelling techniques to simulate plausible alternative life trajectories conditioned on past histories. Using large-scale data from the Italian social security administration (INPS), we show that the model can be trained at scale, reproduces realistic labour market patterns consistent with known causal relationships, and generates coherent hypothetical life paths. This work demonstrates the feasibility of generative modelling for socio-economic trajectories and opens new opportunities for policy-oriented research, with counterfactual generation as a particularly promising application. **The Rise of Tabular Foundation Models: From Zero-Shot Inference to the Security Frontier** by [Karim TIT](https://scholar.google.com/citations?user=kpKry3kAAAAJ&hl=fr) Traditional tabular machine learning has long been dominated by gradient-boosted decision trees and complex AutoML pipelines that require extensive search, hyperparameter tuning, and feature engineering. In this talk, I will first introduce the emerging paradigm of Tabular Foundation Models (TFMs), which leverage Transformer architectures and massive *synthetic* pre-training datasets to achieve state-of-the-art performance via zero-shot in-context learning. I will conduct a deep dive into the TabPFN family, explaining the Prior-fitted Network paradigm and its latest evolutions, including Real-TabPFN, which integrates curated real-world data to handle larger, more complex datasets. Building on these foundations, I will provide a tour of other diverse SOTA approaches like TabDPT and TARTE, highlighting how different architectural choices impact scalability. Finally, I will shift to a security-researcher perspective to discuss the hidden vulnerabilities of this new paradigm. I will present recent results from our paper (accepted at SatML 2026) showing that TFMs are highly susceptible to structured test-time attacks and can even be repurposed as tools to attack traditional models. I will conclude by introducing Adversarial In-Context Learning (AICL), a novel defense that hardens these models by optimizing their data context, offering a path toward more robust and reliable tabular AI.

Feel free to bring games, or suggest some from my collection (http://www.boardgamegeek.com/collection/user/garryjenkins). Please RSVP so I can select appropriate games for the number of people attending. Food and drinks should be purchased on site. Also to have an idea about what type of games you probably will play, you can take a look at the comments of previous weeks of this weekly meetup. If you have any question, don't hesitate to send me a message, or ask here in comments.

Viele kennen das Gefühl: In Microsoft Teams gibt es Chats, Gruppenchats, Kanäle, private Kanäle, geteilte Kanäle, Viva Engage und jeder fragt sich irgendwann, warum das alles nötig ist und wie man damit im Alltag sinnvoll arbeitet. In dieser Session bringt Christian Decker Struktur in das Thema. Er zeigt, warum Teams so viele unterschiedliche Kommunikationswege anbietet, welchen Zweck sie jeweils erfüllen und wie man daraus einen roten Faden für die eigene Zusammenarbeit entwickelt. Wir sprechen über: * warum Teams unterschiedliche Kommunikationsräume kennt * wie sich diese voneinander unterscheidenwelche Rolle Kanäle, private Kanäle und geteilte Kanäle im Alltag spielen * wie Teams, Chatgruppen und Viva Engage zusammenspielen * wie man Ordnung in die tägliche Kommunikation bekommt **Für wen ist das Event gedacht?** Für alle, die Teams täglich nutzen und verstehen möchten, wie man die vielen Kommunikationswege sinnvoll einsetzt. Egal ob IT, Projektarbeit oder Fachabteilungen. **Ablauf** **17:00** Ankommen und kurzer Austausch **17:10** Impuls von Christian Decker **18:10** offene Fragerunde **19:00** Ende

**Elevate your weekend with purpose.** Join the **Changemakers Group** for an afternoon dedicated to personal well-being and social impact at the prestigious **Hotel Le Royal Luxembourg**. This isn't your typical networking mixer. We are combining professional networking with two transformative wellness sessions designed to boost your health and energy before we move to the bar for social drinks. ### The Program * **Part 1: Natural Healing & Immune Boost** – A session led by **Valerie** focused on strengthening your body’s natural defenses. * **Part 2: Mindful Breath & Laughter Yoga** – Hosted by **Naheeda**, this session focuses on stress release and positive energy. * **Part 3: Social Networking** – After the sessions, we will transition to a **reserved area at the hotel bar** for drinks, snacks, and meaningful conversation with fellow expats and professionals. ### 📍 Arrival & Venue * **Location:** Hotel Le Royal (12 Bd Royal, Luxembourg). * **Protocol:** Upon arrival, please **ask at the Reception** for **Naheeda** or the "Changemakers Event." You will be directed to the dedicated hall. ### Impact: Support "Riding the Rainbow" Your participation makes a difference. All proceeds from this event will go to **Afrilanthropy** to support the activities of **Riding the Rainbow**, an NGO dedicated to fostering solidarity and supporting those in need. ### Essential Details * **Date:** 21st February \| 16:00 – 18:00 * **Entry:** €30 (Includes fresh drinks and the wellness sessions) * **Registration (Required):** Send a WhatsApp message to **+352 621 156 200** to secure your spot. **Note:** Space is limited due to the private nature of the venue. Please register early to ensure your place in the reserved bar area.

Fast Friending is all about creating a warm, relaxed space where you can meet new friends, connect with like-minded ladies and gents, and enjoy meaningful conversations without any pressure. If you’ve been looking for a fun way to expand your social circle in Luxembourg, this is the perfect evening to join us! **You will need to buy a ticket for attending -** [https://lux21stfeb.eventbrite.co.uk](https://lux21stfeb.eventbrite.co.uk) \*You can use any debit or credit card to purchase your ticket at PayPal checkout. It will ask you for your email address but that is only to send you a receipt. You do not need a PayPal account. TICKETS:- Early Bird - €5 / person Regular Ticket - €10 / person Cash at meetup: If you do not purchase a ticket in advance then you can pay Lara cash of €15 when you attend. **Here’s how our Fast Friending works:-** \- We will meet at 7\.00 and have time to get settle down and get a drink\. \- From about 7\.30 to 8\.30 we will run the fast friending system\. Half of the group \(mixed gender\) will stay in a fixed place and the other half of the group \(mixed gender\) will be asked to rotate\. During these intervals\, each pair of people will get the opportunity to talk to each other\. \- Lara will be hosting the evening and she will organize the fast friending process\. She will indicate when you should move to the next person\. \- From 8\.30 onwards we will stop the system and people will have to chance go chat and interact with those they have met as well as others\. If you are a bit shy or anxious then please come early. Jennifer will help you meet other members in a small group and help you settle down and get comfortable. All attendees are also welcome to bring a lady friend along with them for free. This will make it a lot less stressful for you as you will always have your friend alongside. \- We are not a close knit tight group\. Our evenings are warm and comfortable for members attending for the first time and those coming alone\. You will not feel alone\! \- We have many groups in this city\. Members of our other groups who RSVP are included as guests of the organisers in order to give you an indication of expected people\. \- This evening is for ladies and gents in the 21 to 40 age group\. While some will be at the younger end of this range there will also be others at the other end of the range and lots in\-between\! You will naturally gel with others of your own age range and so you will always find many attendees who fit your range\. \- We are not a dating group\. Our events are not organised to manage your dating life\. Our group is created to help ladies and gents meet other like minded ladies and gents\. Please do not attend our event if a perfect gender balance is important for your enjoyment of our meet\-up\. Why do we have tickets? 1. Cover our costs - Our host is compensated for their time and work. We also pay meetup and have dedicated staff to manage our events, hosts, venues and communication. 2. Group Safety - By securing your ticket we have a record and you contribute to a well organized evening where everyone is more committed and better behaved. 3. Management - Tickets help us better manage attendee group size, book suitable space and activity. ABOUT [fastfriends.co.uk ](https://fastfriends.co.uk/)- We have connected members successfully for the past 10 years in over 30 cities (operating as Expatsclub, MeetConnectDevelop and fastfriends.co.uk). \-\-\-\-\-\-\-\-\-\-\-\-\-\- You can contact our founder Dan on +447715705005 with any questions or ideas. \-\-\-\-\-\-\-\- **Here are some videos which will give you some guidance and comfort to make your attendance more productive.** Secrets of socializing at our meetups - [http://bit.ly/secrets-socializing ](http://bit.ly/secrets-socializing) How to make new friends - [https://www.youtube.com/watch?v=v6GB0Hc_bSs](https://www.youtube.com/watch?v=v6GB0Hc_bSs)

Want to practise French 🇫🇷 German 🇩🇪 English 🇬🇧 Luxembourgish 🇱🇺 — or ANY language you can find a partner for? Then join our crew of friendly expats & locals for a night of chats, laughs & global energy 🎉 In Luxembourg, speaking multiple languages is basically a superpower 🦸‍♂️🦸‍♀️ — but this meetup is all about connection, not perfection. Beginners, pros & “I understand but can’t speak” people — all welcome 😄 Don’t feel like practising a language? 😎 No worries — you’re STILL totally welcome! come hang out, meet people & enjoy the international vibes anyway 🥂✨ Come for the languages — stay for the laughter, friendships & drinks 🍹 ✨ What You’ll Find ✔ Super chill atmosphere 😌 ✔ Expats from everywhere 🌍 ✔ Zero pressure — just vibes ✨ ✔ “How do you say…?” moments 🤔😂 ✔ Old friends & new — ❤️ 🍹 AFTER-EXCHANGE APÉRO 🤩 Languages warm-up… Drinks cool-down… Balance restored 😌🍺 Most weeks we wander to another bar afterwards for beer, bites & bonus socialising. Just follow the organisers — they know the 🔥 hotspots 😉 🪧 HOW IT WORKS ➡️ Sit with the group for the language you want to practise ➡️ Look for the table signs 📍 ➡️ Switch groups anytime — totally chill ➡️ Rare language? Post in the group & find your match 💫 ➡️ Luxembourgish shows up too 🇱🇺 ⚠️ By attending, you agree organisers can’t be held liable for regulation violations (or accidental grammar crimes 😜)

The chapter meets periodically and brings together a carefully curated group of business owners, independent and liberal professionals, sole proprietors, self-employed individuals, traders, and craftsmen. Our objective goes beyond networking, as we will work to give back to the society. To preserve the value of these groups, each chapter will have the policy of only one representative per profession. This ensures a non-competitive environment where members can openly support one another, exchange insights, and grow together. Additionally, an attendance policy will be in place to encourage commitment and continuity, ensuring that every member contributes and benefits the collective momentum of the group. At this initial stage, all participation revenues will be donated to a non-profit organization called SOS Villages d'Enfants Monde, reinforcing our belief that successful businesses have a responsibility beyond themselves. The meetings will be held every 1st and 3rd Wednesday of each month. Members will be encouraged to purchase drinks from the venue as they will be hosting the place at no charge for the club. **Agenda outline:** • People registration and welcome (10 min) • Introduction of the agenda (2 min) • Individual presentation (2 min p/person) • Speech of the day (5-10 minutes) – Given only by oficial members • Referrals and testimonials (5-10 min) • End of the session / Open Networking (10-20 min) **Investment packages:** 3 months: EUR 59 Half year: EUR 99 Yearly: EUR 179 As places are strictly limited, we strongly encourage you to confirm your participation as soon as possible if you wish to join us. Non-members are welcome to participate twice without being official members, and all fees paid as visitor will be deducted in case of membership enrollment. For membership instructions, please contact the event organizer. Warm regards,

**Weekly stand-up comedy open mic night, featuring short sets from multiple comedians. FREE ENTRY!** Every Thursday at 9pm at Updown Bar ! Free tickets https://www.eventbrite.com/e/comedy-open-mic-luxembourg-tickets-1216566646589?aff=ebdsshcopyurl&utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=

I recently discovered Nepalese fusion restaurant Aayam and was blown away, so I look forward to sharing a meal with you there! Aayam is located just off of Place de Paris and has a compact yet varied menu that has something for everyone! I've booked a table for 8 of us on the Friday night at 19:00. As always, the PayPal fee is only a deposit to secure your spot and fight against no-shows! If you ghost us, we reserve the right to buy naan with your money! Thanks for understanding :) and let me know if the PayPal fee is an issue for you. See you soon!

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.

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.

**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

Bring your business cards and network in person with other business professionals! Gold Star Referral Clubs is one of the most established professional networking organizations in the country, with multiple groups in central Ohio. Join us!