Investing for Retirement

**Fairfield Park – Main Yarra Trail** This week we return to the popular **Main Yarra Trail** and walk the trail from **Fairfield Park Boathouse** along the riverbanks to Abbotsford Convent and return. We’ll walk past Dights Falls and watch the slalom kayaks tackle the river rapids. At the halfway point, we’ll stop for coffee at The Convent Café, a delightful outdoor café in the gardens. **Start:** Fairfield Park Boathouse – car park. Meet at the toilet block adjacent to the carpark. **Start time:** 9.00 AM **Parking:** If above carpark is full park in Additional Carpark in **Yarra Bend Rd** (Polytechnic). Parking is FREE on Sunday. If parking here, allow 5 minutes to walk back to the START. **The Walk**: The walk follows the Merri Creek to Dights Falls, then the Yarra River around to the Children’s Farm, where we’ll have coffee at the Abbotsford Convent. The return to our cars will be back along the same Trail. **Total distance**: 6.0 km. (approx.) **Time:** Allow 2.0 hours for the walk, plus half hour for coffee. Total 2.5 hours. **Difficulty:** Easy **Toilets:** At the start, plus halfway at the Convent café. **Coffee:** Abbotsford Convent café.

* 🌏 **MELBOURNE → WOMBAT FOREST** 🏙️ * 📅 **SUN 15 FEB, DAY TRIP ☀️** * **Walk, float, taste, breathe — in nature.** * \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- ### 🌿 Embark on a Day Trip to Wombat Forest! 🌿 Discover the stunning beauty of **Wombat Forest** as you explore its natural wonders. This exciting day trip features scenic **hikes** through lush forests, a picnic and **fruit platter**, awe-inspiring lookouts, **meditation** & grounding, **kayaking**, and a visit to a **winery** for tastings or a scenic viewpoint. Enjoy a leisurely drive, wander along picturesque trails, and savor delicious food throughout the journey! \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **🎒 What’s Included?** *(All-Inclusive for $99!)* ✅ Round-trip **transport** in a comfortable **MERCEDES minivan** 🚐 ✅ Guided **9 km hike** with an elevation gain of 170m 🥾 ✅ Unlimited **snacks, soft drinks, coffee & tea** ☕ ✅ Fresh **Fruit** Platter 🍉 ✅ **Meditation** & grounding 🧘 ✅ **Picnic lunch stop** with great company 🧺 ✅ **Kayaks**🛶 + all gears🛶 ✅ Visit **stunning scenic lookouts** 🌄🦘 \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- #### 🕒 Itinerary: 🌅 7:30 – Pickup at **St Paul’s Cathedral**, Flinders Street 🚐 8:00 – Quick **stop/break** 🍜 9:00 – Welcome **morning coffee/tea** & snacks (included!) 🥾 9:15 – Easy **Hiking** adventure (9 km, 170m elevation) 🍽️ 12:30 – **Picnic**+**Fruit platter,** with unlimited drinks & snacks (BYO lunch welcome) 🧘 14:30 — **Meditation & grounding** 🛶 13:30 – **Kayaking** time on beautiful **Lake** (beginner friendly) 🌇 15:30 – **Stunning Lookout** 🌄 16:00 – **Winery - tasting or view scenery** 🏙️ 18:30 – Depart back to **Melbourne**, filled with memories! 📍 Drop-off: **Hammer Hall**, Melbourne \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **💰 How to Book?** Secure your spot with a **$99 transfer**: 🔹 **PayID:** 0414 661 458 🔹 **Bank Transfer:** **NAME:** KARAPETIAN G **BSB:** 013233 **ACCOUNT:** 226325836 **Ref:** WF 🌟 **Limited spots available—RSVP now!** \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- ❗️**Please Note:** **Payments are only credited or refunded if the event is canceled or rescheduled by the organizer.** In all other circumstances, payments are **non-refundable and non-transferable**. ❗️Thank you for understanding and supporting the planning involved in creating these experiences! 🌿 \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **🎒 What to Bring?** ✔️ **Comfortable hiking shoes (or able to supply, let me know size)** **✔️ Wind/water-resistant jacket**🧥 ✔️ **Long pants & long sleeves** 🌿 ✔️ **Hat/beanie** 🧢 ✔️ **Hat/beanie** 🧢 ✔️ **BYO lunch** 🍽️ (or can buy on the way) ✔️ **A positive mindset & big smile!** \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- 📢 **Questions?** Feel free to **DM me anytime!** 📩 ✨ **Let’s make this an adventure to remember** \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- Visit our sources: https://www.facebook.com/groups/812911556223655/?ref=share Instagram: nogeography.hike.kayak https://www.meetup.com/en-AU/no-geography-hike-and-kayak/ \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- Credited or refunded only if the event is canceled/moved. Non-refundable in any other cases \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- * **A day in nature is a day well spent** \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **LIABILITY WAIVER** The organizer of this group cannot accept any liability for any loss, damage, injury, or accident to participants or their property at this event. By participating in this event, you're taking responsibility for your own safety and well-being. By joining this event you agree to these terms. ## **COVID-19 Safety Measures** * The event host is instituting the above safety measures for this event. * Please do not attend if you are experiencing any flu-like symptoms, such as fever, cough, or sore throat. * If you have recently tested positive for COVID-19 or have been in close contact with someone who has, we kindly ask that you refrain from attending. * Thank you for your understanding and cooperation in keeping our community safe!

Meditation practicing

Namaste Healers. Do you have topics you don't want to talk about? What about people and past events you don't want to think about? Over time, many of us accumulate thousands of small hurts that we carry around in our energy body – hurts that dampen our mood, sap our energy, and emotionally weigh us down. And here is the thing: time doesn't heal them. All it does is bury them. So we might think we've gotten over them, but then we hear a pop song, cast our eyes over an old photo album, taste a wine we shared with an ex, and our heart tightens, and we feel the pain of unresolved emotions. At this Reiki practice night, through both group Reiki and meditation exercises, we'll study techniques for healing the past so we can enjoy a brighter present. So come along. Begin clearing out the emotional gunk in the system, and leave feeling lighter and happier. Hope to see you there! Jeremy ## Time to Expand Your Reiki with Pellowah Healing? Pellowah is the **yin to Reiki's yang.** High-vibrational healing energy. Incredible symbols. Potent chakra meditations. Expanded consciousness. You'll be surprised by how much it expands your healing abilities. To find out more about our upcoming Jan. 31 - Feb. 1 **Pellowah healing** course, [click here](http://www.pellowah.net.au/pellowah-courses.html).

The 2026 Melbourne ISKCON Ratha Yatra (Festival of the Chariots) is scheduled for Sunday, February 15, in St Kilda, typically coinciding with the St Kilda Festival. The procession begins at 1:00 pm at Cleve Gardens (corner of Fitzroy St & Beaconsfield Pde), featuring free music, dance, and vegetarian food at Catani Gardens from 12:00 pm – 8:00 pm. **Key Details for 2026:** * **Date:** Sunday, February 15, 2026 * **Chariot Parade Start:** 1:00 PM, beginning at Cleve Gardens, St Kilda. * **Location:** The procession travels through the St Kilda Festival precinct, with celebrations concentrated at Catani Gardens, 6 Jacka Boulevard. * **Features:** The event is free and includes a procession with decorated chariots, Hare Krishna food stalls (Veg/Vegan), mantra dance music, drama,, and kids' activities.

✨ **EVENT OVERVIEW** This special Valentine’s Day gathering is a collaboration between Find **Your Tribe Melbourne** and **Soulful Conversations** coming together to celebrate love in its many forms — romantic, platonic, self-love, and love for humanity — through soulful conversations and meaningful connections. Rooted in openness, curiosity, and respect for diverse perspectives, this event invites you to slow down, reflect, and engage in conversations that go beyond surface-level chat. In the spirit of **Valentine’s Day**, we’ll explore spiritual and philosophical perspectives on love, connection, and purpose, while creating space to meet like-minded people who value depth, authenticity, and community. Whether you’re spiritually curious, philosophically inclined, or simply seeking more meaningful connection, you are warmly welcome. **TICKET** Tickets are $10, which covers your coffee (or equivalent drink of choice) on the day, and any remaining funds will be donated to Oxfam. 🌿 **EVENT STRUCTURE** 12:30 pm – Arrival & Welcome Arrive, grab a drink or lunch, and settle in. This is a relaxed arrival period to meet others and ease into the space. 12:45 pm – Soulful Conversations A guided discussion exploring spiritual and philosophical quotes on love, encouraging reflection, shared insights, and respectful dialogue across different perspectives. 2:00 pm – Find Your Tribe Connection Activity A facilitated connection activity hosted by Find Your Tribe Melbourne, designed to help you engage more deeply with others through thoughtful prompts and intentional conversation. 📍 **MEETING POINT** Please ask café staff for the reservation under “Soulful Conversations” or meet us at the back of the café where we will have large tables. 🌱 **NEW HERE?** **Soulful Conversations** Soulful Conversations creates a welcoming space to explore meaningful topics through reflective dialogue inspired by the Baha'i teachings and drawing on spiritual and philosophical ideas in an inclusive and open-hearted way. **Find Your Tribe Melbourne** Find Your Tribe is a community where ambitious professionals, creatives, entrepreneurs, and change-makers come together to build authentic connections and support personal and professional growth, with a mission to foster meaningful relationships and conscious leadership. **LIABILITY DISCLAIMER** By attending this event, you acknowledge that you are participating voluntarily and are responsible for your own health, safety, and well-being during the activities. *Soulful Conversations* and its hosts are not liable for any injury, loss, or damage that may occur. Please take care, be mindful of your surroundings, and participate within your own comfort level. **PHOTO AND VIDEO DISCLAIMER** Please note that photos and videos may be taken throughout the event and may be used on our social media channels or other platforms. If you prefer not to be photographed or filmed, kindly inform one of the hosts at the beginning of the event.

Instead of having coffee while watching Netflix, we’re coming together as a community, connecting in person, sharing tips, providing support wherever we can AND having coffee together ☕. * **What We’re About** You are the average of the five people you spend the most time with, so join us — and be part of a community that rises above circumstances and creates opportunities. Inspire and be inspired by those who make things happen. It's a relaxed, organic space to connect with like-minded people and network—genuinely talking, learning from each other, and connecting over shared interests. * **What to Expect** Casual Meetups: We gather semi-regularly at a local café to chat about everything from stepping outside your comfort zone to business ideas, creative projects, and building a life aligned with your purpose. It’s relaxed, easy, and welcoming—no need to have anything “figured out.” An Easy-Going Space: We keep things simple and low-pressure. Once everyone arrives, we ease in with some light conversation and naturally break into smaller groups. Networking: Feel free to introduce yourself or let people know what you're working on if you feel like it. And if anyone wants to quickly shout out what they’re working on or looking for before we settle in, go for it—it’s a great way to spark new conversations. * **Host Support** If you’d like a one-on-one chat with me about your business, just tap me on the shoulder. I’ll be floating around and happy to make time for you. **Quick note for the day:** Depending on the weather, we might go for a walk around Blackburn Lake. Just remember to wear comfy shoes :)

Grab a coffee and make some new friends. Or just get out and get some fresh air and socialize. If this is your very first meetup and a bit unsure, 2 simple steps you need to follow: 1. Reach the location at the time specified. 2. Walk up to the group and say 'Hi', everyone in the group is here to make friends... so you can be sure to have a good time Looking forward to meeting you all! Sushmitha Strictly NO marketing/promoting your groups, business, MLM products, mentorship, etc. Those who are found to be doing so will be removed from the group Disclaimer: Photos taken at any of the events may be shared on Meetup and other social media platforms. The organizer of this group cannot accept any liability for any loss, damage, injury, or accident to participants or their property at this event. By participating in this event, you're taking responsibility for your own safety and well-being., injury, or accidents to participants or their property on this event. By participating in this event, you're taking responsibility for your own safety and well-being.

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.

**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.](http://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. Feel free to contact me if you have any questions. Randy Pertler Cell 815-557-4458 [www.YouTube.com/RandyPertler](http://www.youtube.com/RandyPertler) \*Renatus Students and ICMs are not eligible for this free offer

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.

We are a real world Martial arts group. \ Called DO JUNG ISHU (the art of fighting) \ Based off of Jeet kune do we just continued where Bruce Lee left off. \ We have been around a while. \ We are donation based. Every week we get together and work technical skills and live pressure testing. \ Almost all of the instructors have been in everything from altercations in the real world to the ring and some still compete in the cage. \ If you want to take your skills up, improve your confidence, gain self defense skills, get in better shape, test yourself or just want to kill some time and possibly get hit a bit come on down. \ We will be located at 3923 N High St, Columbus, OH 43214 inside the whetstone rec center in the auditorium, upstairs in classroom B or outside in the grass between the playground and horseshoe area. our instructors are normally in a black and red art of fighting shirt \ if you can not find us call or text me at 6143570295 Saturday 1pm Wednesday 5:30pm From Age 16 and up. attendees under the age of 18 must have a guardian with them. \ \ You must have a free leisure card for the rec center and must be registered for our class specifically .\ Wear workout clothing \ Bring a MOUTHPIECE! \ WE HAVE GLOVES. \ Hope to see you soon :-).\ We are run off of donations. \ let me know if you have any questions :)

Meet at Wolfe Park parking lot by tennis courts. We willl walk along Alum Creek trail, through Jeffrey Mansion Park then along Bexley neighborhood and back. Optional lunch at Trolley District.