Taxes

Join us for a relaxing time of folding together at the Ratio chocolate factory in Brunswick! Bring a fun origami project to fold and share, all while sipping on delectable hot chocolate! Standard origami paper will be provided. We just ask for a gold coin to help with group expenses.

* 🌏 **MELBOURNE → BELLS BEACH & OTWAYs** 🏙️ * 📅 **SUN 22 FEB, DAY TRIP ☀️** * ✨ “Hike gently. Breathe deeply. Live fully.” \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- Escape the city and join us for a beautifully balanced day where ocean energy meets forest calm. We begin with an **easy coastal-and-forest hike**, moving between dramatic clifftops, peaceful bush trails, and open viewpoints. Along the way, we pause for a short **meditation** and grounding — a moment to slow down, breathe, and reconnect. After the walk, we enjoy a relaxed **picnic lunch** with a view, featuring a fresh **fruit platter** and refreshments. The afternoon adds a touch of indulgence with a visit to a **chocolate** factory, followed by **winery** stop for scenic views, tastings, and the chance to enjoy wood-fired pizza before our return to Melbourne. A day of good vibes, gentle movement, and shared moments in nature. \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **🎒 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 🧺 ✅ Visit Chocolate factory & Winery ✅ Visit **stunning scenic lookouts** 🌄🦘 \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- #### 🗺️ **Day Trip Plan** 🚐 **07:30** — Pick up St Paul’s Cathedral ☕ **08:00** — Refreshment stop 🌊 **09:30** — Arrive Bells Beach · Morning coffee/ tea/ snacks 🥾 **09:45** — Easy coastal + forest scenic hike (\~9 km \~170 m elevation) 🧘 **12:00** — Meditation & grounding 🍉 **13:00** — Picnic lunch with a view + Fruit platter · Snacks · Drinks 🌿 **14:00** — Otways lookouts & short forest walk 🍫 **14:30** — Chocolate factory visit 🍷 **15:30** — Winery visit + Tasting (optional)+🍕Optional wood-fired pizza 🚐 **18:00** — Return to Melbourne 📍 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:** BB 🌟 **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!

SUNDAY Music Indoor Volleyball is back Volleyball Games session start 3 pm at Sport Monash University Clayton ! Fees: $15 Cash $17 Card DISCOUNT FOR MONASH UNIVERSITY STUDENTS Only $12 !!! You don't need to book spots for this event Come and pay at spot This event is for adults only! (18+) Membership available Become a IVC member - get cheaper fees for camps, insurance + IVC game jersey - ask for more info today! [#International](https://www.facebook.com/hashtag/international?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Volleyball](https://www.facebook.com/hashtag/volleyball?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Club](https://www.facebook.com/hashtag/club?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Melbourne](https://www.facebook.com/hashtag/melbourne?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) To be protected by International Volleyball Club Member Protection Policy and covered by our Personal Accident Insurance, everyone participating in a International Volleyball Club event or with a International Volleyball endorsed club, association, or provider is required to maintain an active membership at the appropriate level with International Volleyball Club. For more information message us.

A social run following a mystery trail of chalk and flour from beer back to beer. Runners and walkers welcome. Run: 7-9Km. Walk: 3-4Km. Hare: Quick Lay Location: The King of Tonga 164A Tennyson St, Elwood Barbie's Box says, "bring your togs!"

SUNDAY Music Indoor Volleyball is back Volleyball Games session start 12 pm at Sport Monash University Clayton ! Fees: $15 Cash $17 Card DISCOUNT FOR MONASH UNIVERSITY STUDENTS Only $12 !!! You don't need to book spots for this event Come and pay at spot This event is for adults only! (18+) Membership available Become a IVC member - get cheaper fees for camps, insurance + IVC game jersey - ask for more info today! [#International](https://www.facebook.com/hashtag/international?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Volleyball](https://www.facebook.com/hashtag/volleyball?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Club](https://www.facebook.com/hashtag/club?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) [#Melbourne](https://www.facebook.com/hashtag/melbourne?__eep__=6&__cft__%5B0%5D=AZXzD4DTZ8qMuf7ux-RU6ayZMRoyft2zts9t8TIzvrRksCLYNBhLSZ9ZodJXUUvns2XIw1hFY9nmow8y2JI-joF0vFwPlefJSluyKSZA6rtFeJE5lywJ5opJG0DQkgjc3P2WHPtihqioTxEzocvDsIJ_&__tn__=q) To be protected by International Volleyball Club Member Protection Policy and covered by our Personal Accident Insurance, everyone participating in a International Volleyball Club event or with a International Volleyball endorsed club, association, or provider is required to maintain an active membership at the appropriate level with International Volleyball Club. For more information message us.

* Have fun and meet friendly people at our regular contra dances! Every second Saturday evening (except March, June, Nov) and fourth Sunday evening (except Dec) of each month in 2026, often with live music. Contra dance has some similarities to bush dance and square dance. It is very popular in the USA, Canada and London. The dances consist of interesting patterns, walked to upbeat music. For a good description, look at https://en.wikipedia.org/wiki/Contra_dance. A good example can be viewed at [http //dancevideos.childgrove.org/contra/contra-modern/163](http://dancevideos.childgrove.org/contra/contra-modern/163-heartbeat-contra) * All dances are called. Singles and couples are all very welcome. The cost is $12 ($6 for students). If no live music, then the cost is $8 ($4 for students). Cash or PayID is preferred. * No experience needed. If first time, please attend for free instruction before the dance from 7.15 – 7.45 pm. * **Uniting Church Hall, 72 Highfield Rd, Canterbury** * You might also like to eat beforehand at Bao & Bun Vietnamese restaurant 770 Riversdale Rd at about 6 pm. Just roll up.

**Bayside Bacchanal 2026** (a wild and [drunken](https://www.google.com/search?sca_esv=8b26332a4a3db4ef&rlz=1C1CHZL_enAU739AU739&sxsrf=ANbL-n6KE-gK0fk1xVWVtwJDk6SO2EBZNg:1769741916914&q=drunken&si=AL3DRZGNUIa3xcMRrx6cXoxA7yse2oMe1ZyJDI9NZFzYfFwYaIiw3R2xksFmR06AOzPWTvMbf4_VsO1HA3A64bzAopzxdJFSsg%3D%3D&expnd=1&sa=X&sqi=2&ved=2ahUKEwi617SyorKSAxW7plYBHTpqMcYQyecJegQIIxAP) celebration!) **Hare:** Pythagorarse - Follow Me Ride (1 Brewery, 1 Pub, 1 Yacht Club) **Date and Time:** Sunday 22/02/2026 - 12 for 12.30pm wheel off **Place:** Sandringham Station (Sandringham Line last stop) - Outbound (Eastside) Car park **Special Instruction:** If hot, bring togs and towel for after beers dip in Half Moon Bay.

🌟✨ BE YOU - SUMMER STUNNER DANCE PARTY ✨🌟 Get ready to dance the night away this summer! There is no theme for this dance party, just be you, a summer stunner. ✨ Your Night Includes: 🥂 Time to mingle 💃 Ceroc dance class 🕺 Loads of social dancing 🎟️ Raffle draw 📅 Saturday, 21 February 2026 🕖 7:00 PM - 10:30 PM 📍 Brighton Beach Bowls, 2B South Rd, Brighton 💵 $25 per person entry fee - tickets available at the door. Cash or PayID accepted. 🎟️ RAFFLE TICKETS AVAILABLE! $5 each 3 for $10 10 for $20 Don’t miss this incredible night of music, dancing, and fun! Grab your tickets and we’ll see you on the dance floor! 💃🕺 #BeYou #SummerStunner #DanceParty #Brighton #SummerVibes​​​​​​​​​​​​​​​​ Dance Together - Ceroc Crew

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

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.

**Important time note:** Please plan on arriving between 5:30 and 6:00 as the elevators lock after 6 and you'll need to message us and we'll need to come get you. The building address is 4450 Bridge Park The entrance is 6620 Mooney St, Suite 400 You will need to scan your ID at the door to get a visitor badge. **Abstract** *Spec-Driven Development with GitHub Spec-Kit: From Intent to Implementation* Spec-driven development flips the traditional workflow on its head: instead of code being the source of truth, the specification becomes the backbone of design, collaboration, and delivery. In this session, we’ll explore how GitHub Spec-Kit enables teams to treat specifications as first-class artifacts—living documents that drive architecture, implementation, and verification. You’ll learn how Spec-Kit helps teams clearly express intent using structured, version-controlled specs that live alongside code. We’ll walk through a practical workflow that starts with defining system behavior and constraints, then progressively refines those specs into testable, automatable outcomes. Along the way, we’ll show how specs can reduce ambiguity, improve cross-functional collaboration, and make design decisions explicit before a single line of production code is written. This talk will cover: --What spec-driven development is (and what it isn’t) --How GitHub Spec-Kit fits into modern developer workflows --Using specs to align product, engineering, and AI-assisted development --Real-world examples of turning specs into implementations with confidence Whether you’re building greenfield systems, integrating AI into your stack, or trying to reduce costly rework, spec-driven development offers a scalable way to move faster without sacrificing clarity. Attendees will leave with concrete patterns and a clear mental model for adopting GitHub Spec-Kit in their own projects. **YouTube Link** TBA

This meeting will be an open discussion about the book "an Immense World" by Ed Yong

#### 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.

Get ready for an unforgettable night of Women's Indoor Volleyball and camaraderie! Join fellow members for an action-packed evening and cheer on the Fury together. Where: Nationwide Arena Price: $27 Who: Active Member & Guest Non-Member Event Contact: Betsey Lyon, betseyllyon@yahoo.com Sign up link below: [Columbus Fury Volleyball Game - Calendar - Columbus Ski Club](https://www.columbusskiclub.org/content.aspx?page_id=4091&club_id=686961&item_id=2795127)