Microfinance

This is a personal 1-on-1 financial consultation designed to help you gain clarity and direction in your financial journey. During our session, we’ll review your current portfolio, financial goals, and any concerns you may have, and discuss practical strategies to improve your investments, protection, and long-term planning. The session is free and no-obligation — ideal for anyone seeking a second opinion or looking to build a clearer financial roadmap for the future.

**Training Program-Focusing on stamina, mental resilience, and consistent pacing with no long breaks.** 🗓 Date: 13th Feb 2026 ⏰ Time: 8:00 AM – 12:00pm 📍Meetup: Hillview MRT(Exit A) 🚶‍♂️Activity: Endurance Walk 📍Route: Hillview MRT →Bukit Batok Nature Park → Bukit Timah Summit → Dairy Farm Loop → Zheng Hua Park →The End 🧭 Distance: \~15km+++ (Let's see where our feet bring us) 🎯 Goal: Build endurance, no long pauses, consistent effort to test and stretch your limit 🧠 Training Guidelines Hydration Strategy: Carry at least 1L of water. + electrolytes (no sugary drinks) No Long Pauses: 1-3mins only if needed to regulate Breathing: Inhale 3–4 steps, exhale 3–4 steps (rhythmic breathing) 🎒 **What to Bring:** * Minimum 1L of water * Light snacks or energy bars * Towel/small cloth * Rain gear or poncho (weather dependent) * Proper hiking shoes * Sunscreen and a cap * EZ-Link card / small cash for lunch Note: Train smart. This is not a race. The goal is to develop strength and endurance through consistent effort and mindful pacing. **Let’s gear up and get trail-ready! 💪** Bad weather contingency plan: \* Waterproof your belongings and bring rain gear (rain cover, jacket, poncho, or umbrella). ✅ Post-Walk (12:00 - 1230 PM) Cool Down: Gentle stretches at the reservoir area (hamstrings, calves, hip flexors) Refuel: Protein bar + rehydration (banana/coconut water recommended) **Please read this** #1 - This is a number-controlled event. Please come only if you are on the attending list. Min 7pax to go. #2 - We will move out at 8.05 am sharp. We are not able to wait for latecomers. #3 - As this is a limited number event, please check your calendar and make sure you can come before you RSVP. Do not change your attendance at the last minute and deny someone else who genuinely wishes to come.

Join us for an exciting franchising exploration session to explore the **Louise Candle franchise opportunity**! Louise Candle is a **Singapore-based, eco-conscious brand** creating natural, hand-poured candles that are paraffin-free and crafted with premium ingredients. With growing demand for sustainable and wellness-inspired products, we are now opening opportunities for passionate entrepreneurs to be part of our journey. At this session, you will: ✨ Learn about the **Louise Candle brand story** and values ✨ Understand the **franchise model** ✨ Explore marketing and business support provided to franchisees Whether you’re a business enthusiast, investor, or simply love artisanal candles, this is your chance to discover how you can light the way with **Louise Candle**.

# Gunung Irau (Mossy Forest) Hike (14-15Feb2026) [https://sgtrek.com/event/gunung-irau-mossy-forest-hike-14-15feb2026/](https://sgtrek.com/event/gunung-irau-mossy-forest-hike-14-15feb2026/) ### **VALENTINES SPECIAL: SIGNUP IN A GROUP OF 2PAX: SGD280/Pax (4star accommodation in Cameroon)** #### *NOTE: ONLY 20 Permits are available for this event. Book Earlier.* ### **EVENT DATE: 14 – 15 Feb 2026** ### **EVENT DURATION: 2D2N Trip** *\*single Supplement option available for booking* #### For inquiries and bookings, contact VIJAY on * 📞WhatsApp at **+6592700908** * 📧 Email us at [contact@sgtrek.com](mailto:contact@sgtrek.com) * Minimum Group size above 20pax – Transportation is Coach **TERMS & CONDITIONS:** [https://sgtrek.com/terms-conditions/](https://sgtrek.com/terms-conditions/) ***For any queries related to the event do contact below person:*** Phone: +65 92700908 (WhatsApp) Email : **[contact@sgtrek.com](mailto:contact@sgtrek.com)** ***This trip is organized by:*** **SGTREK PTE. LTD**. Reg. No. 201816267K STB License No. 03160

# Gunung Datuk Sunrise Hike-14Feb2026 [https://sgtrek.com/event/gunung-datuk-sunrise-hike-14feb2026/](https://sgtrek.com/event/gunung-datuk-sunrise-hike-14feb2026/) ##### **Mount Datuk** is one of a favorite place for nature lovers and adventure seekers to capture a sunrise over such a short hike. It holds many treasures of the natural tropical rainforest. As you can see in the picture, there’s a formation of big rocks at the summit. ### **EVENT DATE: 14 Feb 2026** ### **EVENT DURATION: 1Day Trip** ### **EVENT COST:** * SGTREK Members : SGD 135/Pax * NON-Members: SGD145/Pax Become a **SGTREK** Member and enjoy the benefits. Read here for Membership benefits: [https://sgtrek.com/sgtrek-membership/](https://sgtrek.com/sgtrek-membership/) #### For inquiries and bookings, contact VIJAY on * 📞WhatsApp at **+6592700908** * 📧 Email us at [contact@sgtrek.com](mailto:contact@sgtrek.com)a

This Valentine's day, it's all about making meaningful connections! Join us for an exciting fast-friending social to meet new like-minded ladies & gents and make new genuine connections! Whether you’re new to the city or simply looking to grow your circle, this is your chance to connect, laugh, and have a great time with amazing people! **What's Special?** \- We have FREE entry for ladies \(you will have to RSVP to avail this offer please\! \- Happy Hours till 9\.00 pm\! TICKETS: (**payable in cash and will be collected by** **Frisca at the start of the evening**) Ladies - FREE Entry Gents - 20 SGD Whether you're new to Singapore or simply looking to expand your circle, this is your chance to unwind, make meaningful friendships, and maybe even spark collaborations. ✨ Think relaxed vibes, real conversations, good drinks, and great company! We have a reserved area for our members to mingle in. Shelly, your lovely host will be there to welcome you warmly into the group and also help you with introductions! We welcome locals and internationals both! The fast-friending format of our event helps you meet many people in a short amount of time, allowing you to quickly discover who you connect with best. It’s a fun, lively way to build meaningful relationships without the usual challenges of starting from scratch. Start your year with new connections, fresh experiences, and the potential for lasting friendships! **Our venue for the evening -** We have a reserved area where our members can meet each other in a supportive environment! \- 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 20 to 45 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). **Here are some videos which will give you some guidance -** 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) How to make people like you at our socials -[ https://www.youtube.com/watch?v=K4guProkKrI](https://www.youtube.com/watch?v=K4guProkKrI) Why you should attend our evenings - [https://www.youtube.com/watch?v=wEjwGBXzJE8](https://www.youtube.com/watch?v=wEjwGBXzJE8)

**Get Ready for the Mountains (Moderate hike with load)** Join us for a practical endurance training session designed to build back strength, overall stamina, and backpack carrying efficiency, perfect for those preparing for long-distance hikes and treks. The Plan -> Marsiling - Mandai T15 - Bukit Timah Nature Reserve Total distance: estimated 15km ### What to Expect * **The Pace:** We will maintain a consistent, moderate intensity throughout. This session acts as a benchmark for your training. * **The Goal:** Whether you’re training for a specific high-altitude trek or just want to stay "mountain-ready," this hike is about sustaining effort and seeing where you stand. * **The Load:** Backpack with at least 5-7kg weight to simulate real conditions *** ### Logistics * **Option A - 8:00 am. Meet at Marsiling MRT Station Control (we will leave at 8 am sharp)** * **Option B -** If you like to come earlier for breakfast, meet us at Blk 304 Woodlands St 31 Coffeeshop https://maps.app.goo.gl/S5FapNW61ETHi5D78 **We will set off for the hike at 8:30 am sharp from Blk 304 Woodlands St 31 Coffeeshop** ### Essential Checklist * **Hydration:** Bring a water bottle and ensure it’s topped up before we start. * **Weather Prep:** Waterproof your electronics and bring rain gear (poncho, jacket, or umbrella). We hike in light rain, but safety comes first. * **Gear:** Hiking poles are optional but helpful for the inclines. * **Safety:** In the event of a Category 1 weather warning, I will announce any changes to the plan at least 2 hours prior to the hike. The 'Waitlist' may not go in order as we reserve the right to prioritize the spots for our trip participants who are training for our upcoming treks. Thank you for your understanding! ### Important Liability Notice By joining this training, you acknowledge that you are participating voluntarily and understand the physical risks inherent in this activity. **AU** is not responsible for any injuries, accidents, or health complications that may occur during the training. Please ensure you are medically fit and adequately prepared for the demands of the session. **If you are prepared for a challenging, rewarding effort, we look forward to seeing you.** Join us on social media to keep updated with our latest adventures!
[https://bit.ly/m/Adventures-Unlimited](https://bit.ly/m/Adventures-Unlimited)

🥾 Backpack Endurance Hike – Consistency Steps Training!!! Route: Hillview MRT EXIT A ➝ Dairy Farm Nature Park ➝ Bukit Timah Summit ➝ 2-3 Staircase Loops ➝ Beauty World Shopping Centre for lunch. **Date: 14th February 2026 (Sat)** **Meeting Time: 8 am** **Meeting point: Hillview MRT Exit A** **Your Leader in Fitness: Gary** Join us for a practical endurance training session designed to build back strength, overall stamina, and backpack carrying efficiency, perfect for those preparing for long-distance hikes and treks. We will tackle a mix of trail and stair climbs to simulate the kind of effort and strain experienced during multi-day hikes. This session focuses on consistency, not speed, ideal for beginners and experienced hikers alike who want to train smart. 🧳 What to Bring: * Backpack (with at least 5-7kg weight to simulate real conditions) * Minimum 1.5L of water * Light snacks or energy bars * Towel/small cloth * Rain gear or poncho (weather dependent) * Proper hiking shoes * Sunscreen and cap * EZ-Link card / small cash for lunch Note: Train smart. This is not a race. The goal is to develop strength and endurance through consistent effort and mindful pacing. Let’s gear up and get trail-ready! 💪 Bad weather contingency plan: * Waterproof your belongings and bring rain gear (rain cover, jacket, poncho, or umbrella). Please read this #1 - This is a number-controlled event. Please come only if you are on the attending list. #2 - We will move out at 8.05am sharp. We are not able to wait for late comers. #3 - As this is a limited number event, please check your calendar and make sure you can come before you RSVP. Do not change your attendance at the last minute and deny someone else who genuinely wishes to come.

**Hiding from the Valentine's Day noise?** Join a small, curated circle of 10 established professionals and entrepreneurs for a relaxed evening at **American Taproom on Waterloo Street**. Forget the overpriced "romantic" sets—we’re here for craft beer, comfort food, and real conversation with peers. **Who this is for:** * Established singles in their 40s and 50s. * Long-term residents (PR/EP) and local professionals. * People who appreciate an "East-meets-West" cultural perspective. **The Plan:** We’ll meet at **7:00 PM** for a casual dinner. American Taproom is known for its incredible craft beer selection and great food like wagyu burgers and pizzas—perfect for sharing. **Important Details:** * **Max 10 Guests:** I am keeping the table small to ensure we can all actually talk and get to know each other. * **Cost:** Pay for what you order. No hidden event fees. * **RSVP:** Please only say "Yes" if you are 100% committed so I can manage the table reservation. *** ###

Welcome! Gist below! :-) 1. Bring a book to the meet! 2. Buy a drink (and a bite if you're hungry). 3. Say hi to the folks (pls note the venue is pet cafe so there will be furry friends). 4. Read! 5. We'll do a short round of intros and a short sharing at the end too. :) Come in and find us (we're probably the only reading group)! In the event that the place is full, we'll find a back up nearby. :-) This is a limited seats, small group event, so do try to update your RSVP early if your plans change! Thanks in advance! Nearest MRT: Telok Ayer (DT18)

Join us for a fun photography meetup in the vibrant Boon Keng neighborhood! Whether you're a pro with a fancy camera or just love taking photos on your phone, this is the perfect event for you. What can you expect to photograph? Colorful shophouses, lively street scenes, and the beautiful Kallang River. Bring your mobile phone or any camera you like - the important thing is to have fun and capture the beauty around you. Join us if you are interested in photography. It doesn't matter if you are a pro or a beginner; we do it for the love of photography. We'll kick off with a short meet and greet before heading out to click pictures together. After our photo walk, we'll end at a nearby coffee shop to chat and share our experiences. This is a free event, but please RSVP to let us know you're coming. If you have any trouble finding us or have questions, feel free to call or text: Jay: +65 9352 0249 Sandeep: +65 8609 1667. Join our WhatsApp group for live location sharing: https://chat.whatsapp.com/IYNcf63yaXr2PAXyrjeHzi We share our live location there to help everyone stay connected — especially as people naturally wander off while shooting. Meeting Point: Boon Keng MRT - Boon Keng MRT — Exit B (Bendemeer Road side) Route: Bendemeer Rd → Kallang Bahru → canal edge

Looking for a casual activity to expand your social circle, come join us for a semi-structured coffee chat, in small group sizes! Its free to participate, just pay for your own beverage ☕️. Your psychological safety matters to us, and we actively work to create a supportive environment where participants feel safe to listen and participate in the way that feels right to them. **About us** Supersociale is a social innovation lab that focus on solving the problem of shrinking connections in society. Our mission is to make it effortless for people to meet new people. **Program flow in order** 1. Get your own drink + Create your conversation profile (10 min) 2. Round the table Introduction and sharing(10 min/person) 3. Bag of Questions for the Table. (20 min) 4. Ending Survey. (5 min) **Event details** * Duration: \~ 1.5 Hour (Leave anytime) * Venue: Starbucks Plaza Singapura. #01-53. * Meet at the entrance. Identify the host with the Supersociale Logo Card. * Group size of 3-5 People in a table **🪑 Seating** * Please note that there is no reservation and affiliation with the store. We will find seats based on availability. * In the event that Starbucks is full, the backup plan is to relocate to the Coffee Bean & Tea Leaf 🚫 We forbid solicitation of the following: \- Insurance/ Investment Linked Plan\. \- Multi Level Marketing\(MLM\) sale of any kind\. \- Religious Proselytiser **FAQ** What does semi structured event means? * Semi structured events are designed to achieved a balance of structure vs free flowing conversation. A little bit of structure help paved the way to get the conversation rolling.

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.

Let's Crop!

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

Interested? Contact Preston Moore k.preston.moore@gmail.com 614-300-5989 ———————————— Engaging in men’s work is the new way to forge friendships while being open-minded to personal growth. Many men experience healthier relationships, personally and professionally, by engaging in this work. Open Men’s Group is a container for men to share vulnerably without receiving judgment or feedback. We believe that emotionally mature, powerful, compassionate, and purpose-driven men will help heal some of society’s deepest wounds. We support the powerful brilliance of men and we are willing to look at, and take full responsibility for, the pain we are also capable of creating – and suffering. We care deeply about men, our families, communities, and the planet. Visit ManKind Project USA to discover more. https://mkpusa.org/

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.

We will have lunch at Cap City Diner in Gahanna at 12:00 then walk over to the theater afterwards. The Movie Solo Mio starts at 1:20.It will be posted when tickets available to purchase probably the week before then we’ll post our seat number so we can all sit together 😎