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Feature/add blog post exploring the path to fire (#2113)

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* Add blog post: Exploring the Path to FIRE

* Update changelog
pull/2114/head
Thomas Kaul 1 year ago committed by GitHub
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13 changed files with 470 additions and 104 deletions
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1
CHANGELOG.md
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@ -9,6 +9,7 @@ and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0
### Added ### Added
- Added a blog post: _Exploring the Path to Financial Independence and Retiring Early (FIRE)_
- Added pagination to the historical market data table of the admin control panel - Added pagination to the historical market data table of the admin control panel
- Added the attribute `headers` to the scraper configuration - Added the attribute `headers` to the scraper configuration

5
apps/api/src/app/frontend.middleware.ts
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@ -104,6 +104,11 @@ export class FrontendMiddleware implements NestMiddleware {
) { ) {
featureGraphicPath = 'assets/images/blog/20230520.jpg'; featureGraphicPath = 'assets/images/blog/20230520.jpg';
title = `Unlock your Financial Potential with Ghostfolio - ${title}`; title = `Unlock your Financial Potential with Ghostfolio - ${title}`;
} else if (
request.path.startsWith('/en/blog/2023/07/exploring-the-path-to-fire')
) {
featureGraphicPath = 'assets/images/blog/20230701.jpg';
title = `Exploring the Path to FIRE - ${title}`;
} }
if ( if (

7
apps/client/src/app/app-routing.module.ts
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@ -138,6 +138,13 @@ const routes: Routes = [
'./pages/blog/2023/05/unlock-your-financial-potential-with-ghostfolio/unlock-your-financial-potential-with-ghostfolio-page.module' './pages/blog/2023/05/unlock-your-financial-potential-with-ghostfolio/unlock-your-financial-potential-with-ghostfolio-page.module'
).then((m) => m.UnlockYourFinancialPotentialWithGhostfolioPageModule) ).then((m) => m.UnlockYourFinancialPotentialWithGhostfolioPageModule)
}, },
{
path: 'blog/2023/07/exploring-the-path-to-fire',
loadChildren: () =>
import(
'./pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page.module'
).then((m) => m.ExploringThePathToFirePageModule)
},
{ {
path: 'demo', path: 'demo',
loadChildren: () => loadChildren: () =>

14
apps/client/src/app/pages/blog/2023/05/unlock-your-financial-potential-with-ghostfolio/unlock-your-financial-potential-with-ghostfolio-page.html
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@ -92,12 +92,14 @@
<p> <p>
Achieving Achieving
<a [routerLink]="['/resources']">financial independence</a> <a [routerLink]="['/resources']">financial independence</a>
including early retirement (FIRE) requires careful planning, including early retirement (<a
monitoring, and forecasting. Ghostfolio’s robust features equip href="../en/blog/2023/07/exploring-the-path-to-fire"
individuals with tools to analyze, optimize and simulate investment >FIRE</a
strategies. By providing insights, performance tracking, and >) requires careful planning, monitoring, and forecasting.
portfolio analysis, Ghostfolio serves as a valuable companion in the Ghostfolio’s robust features equip individuals with tools to
pursuit of financial freedom. analyze, optimize and simulate investment strategies. By providing
insights, performance tracking, and portfolio analysis, Ghostfolio
serves as a valuable companion in the pursuit of financial freedom.
</p> </p>
</section> </section>
<section class="mb-4"> <section class="mb-4">

20
apps/client/src/app/pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page-routing.module.ts
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@ -0,0 +1,20 @@
import { NgModule } from '@angular/core';
import { RouterModule, Routes } from '@angular/router';
import { AuthGuard } from '@ghostfolio/client/core/auth.guard';
import { ExploringThePathToFirePageComponent } from './exploring-the-path-to-fire-page.component';
const routes: Routes = [
{
canActivate: [AuthGuard],
component: ExploringThePathToFirePageComponent,
path: '',
title: 'Exploring the Path to FIRE'
}
];
@NgModule({
imports: [RouterModule.forChild(routes)],
exports: [RouterModule]
})
export class ExploringThePathToFireRoutingModule {}

9
apps/client/src/app/pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page.component.ts
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@ -0,0 +1,9 @@
import { Component } from '@angular/core';
@Component({
host: { class: 'page' },
selector: 'gf-exploring-the-path-to-fire-page-page',
styleUrls: ['./exploring-the-path-to-fire-page.scss'],
templateUrl: './exploring-the-path-to-fire-page.html'
})
export class ExploringThePathToFirePageComponent {}

257
apps/client/src/app/pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page.html
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@ -0,0 +1,257 @@
<div class="blog container">
<div class="row">
<div class="col-md-8 offset-md-2">
<article>
<div class="mb-4 text-center">
<h1 class="mb-1">
Exploring the Path to Financial Independence and Retiring Early
(FIRE)
</h1>
<div class="mb-3 text-muted"><small>2023-07-01</small></div>
<img
alt="Exploring the Path to Financial Independence and Retiring Early (FIRE) Teaser"
class="border rounded w-100"
src="../assets/images/blog/20230701.jpg"
title="Exploring the Path to Financial Independence and Retiring Early (FIRE)"
/>
</div>
<section class="mb-4">
<p>
In this article, we will explore the concept behind FIRE and
thoroughly discuss the pros and cons of this increasingly popular
movement.
</p>
</section>
<section class="mb-4">
<h2 class="h4">The Idea behind FIRE</h2>
<p>
FIRE, short for <i>Financial Independence and Retiring Early</i>, is
a movement that promotes the idea of saving and investing a
significant portion of one’s income in order to achieve financial
independence and retire at a young age. The core principle of FIRE
is not unconditionally quitting work, but rather attaining the
freedom to pursue meaningful activities and experiences without
relying on traditional employment.
</p>
<p>
At the heart of FIRE lies the famous 4% rule, originated in the
<a href="https://en.wikipedia.org/wiki/Trinity_study"
>Trinity study</a
>. This rule suggests that if you withdraw 4% of your investment
portfolio (usually based on low-cost index funds) in the first year
of retirement and adjust that amount for inflation in subsequent
years, your savings have a high likelihood of lasting for a 30-year
retirement period. The 4% rule serves as a guide to determine the
amount that can be safely withdrawn from a retirement portfolio each
year without depleting savings prematurely, allowing individuals to
sustain their desired lifestyle throughout retirement.
</p>
<p>
By multiplying your anticipated annual expenses by 25, you obtain an
estimate of the total retirement savings required to sustain your
lifestyle, assuming a 4% withdrawal rate.
</p>
</section>
<section class="mb-4">
<h2 class="h4">The power of FIRE</h2>
<p>
FIRE grants individuals the freedom to make choices based on their
personal values, liberated from financial constraints. By achieving
financial independence, individuals gain control over their time and
resources, enabling them to live life on their terms.
</p>
<p>
One of the primary benefits of FIRE is the ability to retire early,
affording individuals the opportunity to pursue their passions,
spend quality time with loved ones, engage in meaningful projects,
and prioritize personal growth. Early retirement promotes a more
balanced lifestyle and allows individuals to savor life while they
are still young and full of energy.
</p>
<p>
FIRE encourages adopting a frugal mindset and intentional spending,
resulting in reduced financial stress. By living within their means
and focusing on what truly brings them joy, individuals experience
greater peace of mind, improved well-being, and a stronger sense of
financial security.
</p>
<p>
FIRE grants individuals a higher level of autonomy and empowerment
over their schedules and the activities they choose to pursue.
Whether it involves exploring new career paths, starting a business,
or embarking on extensive travel, FIRE provides the flexibility to
determine how time is spent and how life is shaped.
</p>
</section>
<section class="mb-4">
<h2 class="h4">The challenges of FIRE</h2>
<p>
Achieving FIRE often demands strict budgeting, aggressive saving,
and making sacrifices for years to secure a financially independent
future. This may involve cutting back on discretionary expenses,
deferring major purchases, or adopting a simpler lifestyle to
achieve long-term goals.
</p>
<p>
FIRE heavily relies on investments and the performance of financial
markets. Economic downturns or unexpected market fluctuations can
impact investment portfolios and potentially delay or jeopardize
early retirement plans. Developing a robust financial plan,
diversifying investments, and periodically reassessing your
withdrawal strategy is crucial.
</p>
<p>
This particular aspect of FIRE requires thoughtful deliberation and
strategic planning to ensure a consistent and reliable stream of
retirement income throughout one’s lifespan.
</p>
<p>
Retiring early often means stepping away from a career and
potentially losing the professional identity and social connections
associated with it. Giving careful thought to how early retirement
might influence one’s sense of purpose is crucial, as it prompts the
exploration of alternative avenues to stay engaged and fulfilled.
</p>
</section>
<section class="mb-4">
<h2 class="h4">Achieving FIRE for a fulfilling future</h2>
<p>
Financial Independence and Retiring Early (FIRE) is a fascinating
concept that has gained significant traction in recent years. It
offers individuals the opportunity to break free from financial
constraints, pursue their passions, and gain control over their time
and resources. While FIRE comes with its own set of challenges, the
potential benefits are substantial. Whether you choose to fully
embrace FIRE or adapt its principles to suit your personal goals,
it’s crucial to approach it with careful planning and a clear
understanding of the advantages and disadvantages.
</p>
<p>
Knowing your financial situation and tracking it diligently is vital
on your journey to FIRE. This is where the power of
<a href="https://ghostfol.io">Ghostfolio</a>, a comprehensive open
source wealth management software, comes into play. By leveraging
Ghostfolio, you can gain deep insights into your financial health,
track your investments, and make informed decisions to accelerate
your progress towards financial independence. Ghostfolio also
provides a dedicated
<a [routerLink]="['/features']">FIRE calculator</a>, allowing you to
simulate your customized plan to achieve FIRE. You get the tools to
optimize your financial journey and confidently strive for a future
that is both personally fulfilling and financially secure.
</p>
</section>
<section class="mb-4 py-3">
<h2 class="h4 mb-0 text-center">
Are you ready for your <strong>journey</strong> towards
<strong>FIRE</strong>?
</h2>
<p class="lead mb-2 text-center">
Ghostfolio accompanies you on your path to financial independence.
</p>
<div class="text-center">
<a color="primary" href="https://ghostfol.io" mat-flat-button>
Get Started
</a>
</div>
</section>
<section class="mb-4">
<ul class="list-inline">
<li class="list-inline-item">
<span class="badge badge-light">App</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Budgeting</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Calculator</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">FIRE</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Frugality</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Ghostfolio</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Health</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Independence</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Index Fund</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Investment</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Lifestyle</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Management</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Movement</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Open Source</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Personal Finance</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Planning</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Portfolio</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Retirement</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Savings</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Simulation</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Software</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Strategy</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Trinity Study</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Wealth</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Withdrawal</span>
</li>
<li class="list-inline-item">
<span class="badge badge-light">Work-Life Balance</span>
</li>
</ul>
</section>
<nav aria-label="breadcrumb">
<ol class="breadcrumb">
<li class="breadcrumb-item">
<a i18n [routerLink]="['/blog']">Blog</a>
</li>
<li
aria-current="page"
class="active breadcrumb-item text-truncate"
>
Exploring the Path to Financial Independence and Retiring Early
(FIRE)
</li>
</ol>
</nav>
</article>
</div>
</div>
</div>

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apps/client/src/app/pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page.module.ts
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@ -0,0 +1,19 @@
import { CommonModule } from '@angular/common';
import { CUSTOM_ELEMENTS_SCHEMA, NgModule } from '@angular/core';
import { MatButtonModule } from '@angular/material/button';
import { RouterModule } from '@angular/router';
import { ExploringThePathToFireRoutingModule } from './exploring-the-path-to-fire-page-routing.module';
import { ExploringThePathToFirePageComponent } from './exploring-the-path-to-fire-page.component';
@NgModule({
declarations: [ExploringThePathToFirePageComponent],
imports: [
CommonModule,
ExploringThePathToFireRoutingModule,
MatButtonModule,
RouterModule
],
schemas: [CUSTOM_ELEMENTS_SCHEMA]
})
export class ExploringThePathToFirePageModule {}

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apps/client/src/app/pages/blog/2023/07/exploring-the-path-to-fire/exploring-the-path-to-fire-page.scss
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:host {
display: block;
}

27
apps/client/src/app/pages/blog/blog-page.html
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@ -2,6 +2,33 @@
<div class="mb-5 row"> <div class="mb-5 row">
<div class="col"> <div class="col">
<h3 class="d-none d-sm-block mb-3 text-center" i18n>Blog</h3> <h3 class="d-none d-sm-block mb-3 text-center" i18n>Blog</h3>
<mat-card appearance="outlined" class="mb-3">
<mat-card-content>
<div class="container p-0">
<div class="flex-nowrap no-gutters row">
<a
class="d-flex overflow-hidden w-100"
href="../en/blog/2023/07/exploring-the-path-to-fire"
>
<div class="flex-grow-1 overflow-hidden">
<div class="h6 m-0 text-truncate">
Exploring the Path to Financial Independence and Retiring
Early (FIRE)
</div>
<div class="d-flex text-muted">2023-07-01</div>
</div>
<div class="align-items-center d-flex">
<ion-icon
class="chevron text-muted"
name="chevron-forward-outline"
size="small"
></ion-icon>
</div>
</a>
</div>
</div>
</mat-card-content>
</mat-card>
<mat-card appearance="outlined" class="mb-3"> <mat-card appearance="outlined" class="mb-3">
<mat-card-content> <mat-card-content>
<div class="container p-0"> <div class="container p-0">

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apps/client/src/app/pages/resources/resources-page.html
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@ -142,6 +142,18 @@
</div> </div>
</div> </div>
</div> </div>
<div class="mb-4 media">
<div class="media-body">
<h3 class="h5 mt-0">FIRE</h3>
<div class="mb-1">
FIRE is a movement that promotes saving and investing to achieve
financial independence and early retirement.
</div>
<div>
<a href="../en/blog/2023/07/exploring-the-path-to-fire">FIRE →</a>
</div>
</div>
</div>
<div class="mb-4 media"> <div class="mb-4 media">
<div class="media-body"> <div class="media-body">
<h3 class="h5 mt-0">Inflation</h3> <h3 class="h5 mt-0">Inflation</h3>

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apps/client/src/assets/sitemap.xml
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@ -6,406 +6,410 @@
http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"> http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
<url> <url>
<loc>https://ghostfol.io/de</loc> <loc>https://ghostfol.io/de</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/blog</loc> <loc>https://ghostfol.io/de/blog</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/blog/2021/07/hallo-ghostfolio</loc> <loc>https://ghostfol.io/de/blog/2021/07/hallo-ghostfolio</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/blog/2023/01/ghostfolio-auf-sackgeld-vorgestellt</loc> <loc>https://ghostfol.io/de/blog/2023/01/ghostfolio-auf-sackgeld-vorgestellt</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/features</loc> <loc>https://ghostfol.io/de/features</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/haeufig-gestellte-fragen</loc> <loc>https://ghostfol.io/de/haeufig-gestellte-fragen</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/maerkte</loc> <loc>https://ghostfol.io/de/maerkte</loc>
<changefreq>daily</changefreq> <changefreq>daily</changefreq>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/open</loc> <loc>https://ghostfol.io/de/open</loc>
<changefreq>daily</changefreq> <changefreq>daily</changefreq>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/preise</loc> <loc>https://ghostfol.io/de/preise</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/registrierung</loc> <loc>https://ghostfol.io/de/registrierung</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/ressourcen</loc> <loc>https://ghostfol.io/de/ressourcen</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/ueber-uns</loc> <loc>https://ghostfol.io/de/ueber-uns</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/ueber-uns/changelog</loc> <loc>https://ghostfol.io/de/ueber-uns/changelog</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/ueber-uns/datenschutzbestimmungen</loc> <loc>https://ghostfol.io/de/ueber-uns/datenschutzbestimmungen</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/de/ueber-uns/lizenz</loc> <loc>https://ghostfol.io/de/ueber-uns/lizenz</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en</loc> <loc>https://ghostfol.io/en</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en/about</loc> <loc>https://ghostfol.io/en/about</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en/about/changelog</loc> <loc>https://ghostfol.io/en/about/changelog</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en/about/license</loc> <loc>https://ghostfol.io/en/about/license</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en/blog</loc> <loc>https://ghostfol.io/en/blog</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/en/blog/2021/07/hello-ghostfolio</loc> <loc>https://ghostfol.io/en/blog/2021/07/hello-ghostfolio</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
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<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/recursos</loc> <loc>https://ghostfol.io/pt/recursos</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/registo</loc> <loc>https://ghostfol.io/pt/registo</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/sobre</loc> <loc>https://ghostfol.io/pt/sobre</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/sobre/changelog</loc> <loc>https://ghostfol.io/pt/sobre/changelog</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/sobre/licenca</loc> <loc>https://ghostfol.io/pt/sobre/licenca</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
<url> <url>
<loc>https://ghostfol.io/pt/sobre/politica-de-privacidade</loc> <loc>https://ghostfol.io/pt/sobre/politica-de-privacidade</loc>
<lastmod>2023-06-01T00:00:00+00:00</lastmod> <lastmod>2023-07-01T00:00:00+00:00</lastmod>
</url> </url>
</urlset> </urlset>

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