Money Management

**After a long winter hibernation, we're baaack!** Let's start off the kayaking season on the Rio Nabão while the water levels are still high from the rainy season. We will paddle 7 kms down the lush, isolated river landscapes from the beach in Sobreirinho all the way to the templar city of Tomar, passing through a few "mini rapids" and one portage near an abandoned paper factory. Whether you're an experienced kayaker or a sporty beginner looking to try something new, this event is perfect for outdoor enthusiasts. **Duration**: approx. 5 hours in total * 3 hours on the water (incl. breaks) * 2 hours for a picnic lunch and swim at the river beach **Price**: €20 per person. This includes: * Kayak rental, including life jacket and paddle * Certified monitors to ensure the safety of all participants To reserve your spot and facilitate organization with the kayak company, please send your **payment** via Revolut (@maaadison) or MBWay (+491624520214) **by the end of the day Tuesday, April 7th**. First come, first served! **What to bring:** * Swimsuit, neoprene, and/or clothes that can get wet * Shoes/sandals that can get wet * Sunscreen and hat * Change of clothes, second pair of shoes, and a towel * Waterproof case for your phone to take pictures along the way * Picnic lunch and blanket **Level:** Suitable for sporty beginners and children (12+). Well-behaved dogs welcome. Basic instructions will be given by the guides before we begin. The kayak rental company covers personal accident and civil liability insurance at no extra cost. Safety is taken very seriously and there will be certified monitors guiding us along the descent. **How to get there**: 🚙 : Arrive by **09:30** by car(pool) to the [river beach in Sobreirinho](https://maps.app.goo.gl/bnyce8K8AmWaySSP6) After you have pre-paid, you will be invited to the WhatsApp community to organize carpooling as well as share pictures and other event-related information. There is no public transport in the area, so make sure to join the group chat! **Important notes:** * If the water levels/current are not safe on the day of our descent, we will switch to the nearby river Zêzere * This event will take place even with a chance of light rain - consider a rain jacket for your own comfort See you on the water! *Lisbon Kayak Crew is not liable for any damages or injuries incurred during this activity. Please evaluate your own health and physical state and participate at your own risk.*

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

Start your week the right way with Manic Mondays. Giving you an enjoyable Bachata lesson with a push of cool moves. The second hour has Beginner/Intermediate Salsa on 1. You must understand basic Salsa skills to participate. 730pm-830pm Bachata Cool Moves 830pm-930pm Salsa On 1 (Beginner/Intermediate) $15 for One Class $20 for Both Free Parking & Plenty of Dance Space.

**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**!

We're working on some great speakers for the April meeting. Agenda TBA: 11 Welcome 11:15 Michael Franchino - Using MCP in BC: Turning AI from Novelty into Tooling Noon - Networking Lunch 12:30 Dan Gianguilio - D355 WMS Session 1:25 Third Session 2:00 Closing Remarks You're invited to Indiana D365 April User Group Meeting Wed Apr 22, 2026 11:00 AM—1:30 PM (EST) https://teams.microsoft.com/l/meetup-join/19%3ameeting_NDQ3M2ExZWMtNzg5YS00N2M3LTkyNTItZmY0M2Q2NWFmYzBl%40thread.v2/0?context=%7b%22Tid%22%3a%22b4c9f32e-da17-4ded-9c95-ce9da38f25d9%22%2c%22Oid%22%3a%2267db4a27-1865-4ea7-bb20-a28137a8aa56%22%7d Tap on the link or paste it in a browser to join.

The Humanist Monthly Program is our longest running event and still a community favorite. In the old days it used to be called "Going to HCCO" and we still like to think of it as our flagship event. We will be hearing from Becca Powell, Director of Advocacy and Outreach at Unchained At Last, an organization whose mission is dedication to ending forced and child marriage in the United States through direct services and systems change. Unchained At Last's mission clearly meshes and addresses several of our Humanist Ten Commitments. Becca will educate us about an issue many of us may not be familiar with--but should be. Food and drinks will be provided at the event. Feel free to show up a little bit early to hang out and talk. Going forward our meetings will be hybrid. You can meet us in-person or attend online Join Zoom Meeting [https://us02web.zoom.us/j/87836564953?pwd=4Mi57ElZkDIFlb1fnlNwOJ0NiOK4tP.1](https://us02web.zoom.us/j/87836564953?pwd=4Mi57ElZkDIFlb1fnlNwOJ0NiOK4tP.1) Meeting ID: 878 3656 4953 Passcode: 760812 One tap mobile +19292056099,,87836564953#,,,,\*760812# US (New York) +13017158592,,87836564953#,,,,\*760812# US (Washington DC) The formal presentation will start at noon

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