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Retirewise is Committed to Support Self-Funded Retirees And All Customers By Helping People Meet Their Specific Financial Goals. Our Manifesto Outlines Our Dedication.
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First Home Buyer Loans | First Home Buyer Victoria
Your Mortgage Experts specialize in first home buyer loans. Find the perfect home loan for your needs in Tarneit, Truganina, Point Cook, Cranbourne, Perth, and Sydney.
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Is It Worth Paying for a Financial Planner?
Managing finances effectively can be complex, and many people wonder whether hiring a financial planner is worth the cost. The right planner can help optimise your investments, superannuation, and retirement strategy, potentially improving financial outcomes. Understanding the value they provide is crucial when making this decision.
The Role of a Financial Planner
A financial planner assists in developing and implementing strategies to help individuals achieve their financial goals. From wealth management and tax optimisation to retirement planning and investment advice, they provide a structured approach to financial security. A financial planner in Sydney can offer personalised guidance based on your financial position, risk tolerance, and long-term objectives.
Key Benefits of a Financial Planner
Expert Guidance: Navigating financial markets, superannuation regulations, and investment options can be overwhelming. A professional planner offers expertise and insights that empower you to make informed decisions.
Investment Strategy: Building a diverse and balanced portfolio is essential for long-term financial growth. Seeking financial advice ensures your investments are structured to align with your goals and risk appetite.
Retirement Planning: Superannuation is a critical component of financial security. A financial planner in Parramatta helps you maximise contributions, understand tax advantages, and ensure your retirement funds last.
Wealth Protection: Risk management is key in securing long-term financial stability. Planners assist in insurance coverage, estate planning, and asset protection strategies.
Tax Efficiency: Proper structuring of income, investments, and superannuation can reduce tax burdens and increase savings. Expert guidance helps you take advantage of available deductions and tax concessions.
Financial Confidence: Having a strategic plan in place allows for better decision-making and reduces stress around money management.
Cost vs. Value
Financial planners charge fees that may include flat fees, hourly rates, or asset-based fees. While this may seem like an added expense, the value derived from their services can outweigh the costs. A well-structured financial plan can lead to significant tax savings, optimised investment returns, and better retirement planning. Seeking retirement advice can enhance financial security, providing peace of mind that your future is well-planned.
Who Should Consider Hiring a Financial Planner?
Individuals with Complex Financial Situations: If you own multiple properties, manage a business, or have significant investments, professional advice ensures everything is well-coordinated.
Pre-Retirees and Retirees: As retirement approaches, ensuring that savings, superannuation, and pensions are structured efficiently is crucial.
Young Professionals and Families: Starting early with wealth-building strategies can lead to greater financial success over time.
Investors Looking to Optimise Returns: Professional planners help create diversified portfolios that balance risk and growth.
Anyone Seeking Financial Peace of Mind: If you’re unsure about managing your finances effectively, a financial planner can provide clarity and confidence in your future.
Final Thoughts
For those with complex financial needs, hiring a financial planner can provide clarity, structure, and peace of mind. Whether you need help with investment strategies, superannuation, or long-term financial security, expert advice ensures smarter financial decisions and greater long-term benefits. Consulting a financial planner Sydney or financial planner Parramatta can help secure your financial future.
Disclaimer
This content is general information and not financial advice. Consult a licensed adviser for personalised guidance. Investments carry risks; past performance isn’t indicative of future results.
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How to Choose the Right Financial Services for Your Needs
You must choose suitable financial services to be financially safe in the future and attain your goals. Whether handling your money, making wise investments, or planning your retirement, having the right support could make all the difference. Here is how one should make reasonable decisions.
Understand Your Financial Goals
Before you choose any financial services, you must first define your goals. Do You Need Superannuation Advice in Australia? You could need estate planning services in Sydney to ensure your family's financial security. Determine what is most important to you to narrow down your alternatives.
Research Different Types of Services
You can choose from various financial services, each adapted to your specific needs. Here are some of the most popular choices:
Financial Planner Services: Financial planners provide decent services for clients who want to arrange their money for savings, investments, and retirement.
Investment Service: A financial advice service that helps individuals and families manage their investments to achieve their financial goals.
Family Office Services: Providing expert services to help wealthy individuals with estate planning and wealth transfer.
Sustainable Investing: an excellent alternative for those who want their money to assist society and the environment.
Evaluate the Experience and Qualifications.
Before engaging a financial advisory services provider, consider their qualifications, experience, and reputation. Certified experts with a track record of achievement should hold family office wealth management and investment planning positions.
Examine the Offered Services and their Costs.
Firms providing advisory financial services charge a variety of fees. Some charge a flat rate, and those who work on commission. Knowing how much a service will cost can allow you to choose one that suits your needs and budget.
Seek Personalised Advice
Make sure your financial strategy is tailored to your specific circumstances and needs. If you require assistance with financial management services or more specific areas such as wealth preservation and tax preparation, search for experts who provide personalised strategies.
Stay Informed and Review Regularly
After selecting financial services, you must continue regularly studying and reviewing your financial plan. You should check in with your financial planner services provider regularly to ensure you're still on track, as the economy and your particular circumstances are continuously changing.
Consider your goals, research, and identify a credible expert who can give customised guidance to help you pick the best financial services. With the appropriate assistance, you may attain economic stability and peace of mind in sustainable investing, retirement planning, and managing your family's money.
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Superannuation is often one of the largest financial assets people accumulate during their lifetimes. Unlike other assets, it isn’t automatically included in a person’s estate when they pass away.
#xantias financial management#financial advisory services Melbourne#wealth management#superannuation#financial planning experts#superannuation planning#taxation advice#Xantias Melbourne#Xantias Sydney#wealth creation
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Navigating the financial landscape in Australia can be daunting, whether you’re dealing with complex tax laws, superannuation planning, or investment decisions. Having a qualified and experienced financial advisor like James Hayes by your side ensures that you’re making informed decisions tailored to your unique financial situation.
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Financial Planning Advisor Sydney
Expert financial planning in Sydney: Tailored strategies, tax compliance, investment guidance, and retirement planning to help you achieve your financial goals.
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Discover why financial planning services are essential for business success. Gain insights, optimize resources, and achieve sustainable growth. Learn more!
#financial accounting for business#financial planning advisor sydney#financial management solution#financial accounting services
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Personal Finance Sydney | WLP Finance
WLP Finance is a trusted provider of personal finance services in Sydney. We can help you with everything from budgeting and debt management to investment planning and retirement planning. Contact us today for a free consultation.
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the season to (not) be jolly
barcelona femeni x esmee brugts x reader
summary: you hated christmas, and your teammates figure out why
warnings: childhood neglect, trauma, angst, financial poverty, etc
the excitement rings through the barca locker room like electricity, bouncing off the walls and between your teammates.
the holiday break is just around the corner, only one training session and ninety minutes of football separating everyone from flights to faraway places like back home, home-cooked meals, and quality time with loved ones that only get to see them from the stands at important games.
it is a cheerful chaos—laughter echoing, jokes being thrown back and forth, and plans being laid out like promises.
"we’ll be in norway,” mapi grins, slinging her arm around ingrid as she sits beside her.
“ingrid’s parents already have the cabin ready. a real winter wonderland, i shall say.”
“it’ll be nice to be home,” ingrid adds softly, her smile as calm and steady as always.
you sit at your locker, head tilted down as you lace your boots, pretending to be engrossed in the task as their words float around you.
it feels safer to keep your eyes on your hands, watching how your fingers move—pull, tighten, tie. over and over again. anything to distract yourself from the sting in your chest.
you feel it every december. that heaviness. that punching ache in your ribs when people start talking about their families, their holiday traditions, and their childhood memories.
you can’t relate. you never could.
to your left, keira and lucy are chatting animatedly about spending christmas in england, lucy teasing ona about the inevitable cold since ona will be going with her. to your right, patri and claudia are arguing over who will get more gifts from their loved ones, both wearing matching grins as they playfully push on each other.
but you? you just exist in the in-between, silent, invisible.
the noise grows louder. the locker room feels smaller. your throat tightens, that familiar burn rising behind your eyes. you push it away. this is not the time to fall apart.
alexia’s voice cuts through the chatter again, light and teasing as she looks ahead at you.
“nina, you’ve been quiet. what about you? where are you headed this christmas?”
you freeze for half a second. it’s subtle enough to go unnoticed, but the question lingers in the air like a heavy fog. you glance up, forcing your expression into something neutral—something safe.
“nowhere special,” you say with a small shrug, trying to keep your voice steady.
“just staying here at home. might catch up on needed sleep without needing to wake up for training.”
“no plans with family?” mapi asks, brows furrowing slightly.
you hate that. you hate when people ask about your family. after leaving your home to live in paris, where you played for a season and a half with psg (before leaving when the barcelona offer came up in 2021), you stopped talking to your mother who wanted nothing to do with you.
your answer has never changed, and yet, every time it feels like a fresh wound being prodded.
“yeah,” you mutter, looking back down at your laces.
“just after christmas though.”
thankfully, mapi doesn’t press further. her attention shifts back to ingrid as she brings up the norwegian christmas markets, and you’re left to sink back into your silence, drowning in it.
you look over at the corner of the locker room to see esmee, your girlfriend, looking right at you. jana sits beside her, laughing about a joke sydney made while esmee notices the sadness in your eyes.
the look in your eyes can be hidden from the team, but you can’t hide it from esmee.
she notices—of course she does—because she knows you better than anyone, even after just eight months of being together. normally, you’re her sunshine, a steady source of warmth no matter what the day brings.
you’re the first to crack a joke after a tough training session, the one to steal food off her plate at team dinners just to see her roll her eyes, the one who sneaks kisses when no one’s looking and holds her like she’s the most precious thing in the world.
but now? now you’re quieter, smaller. you smile, but it doesn’t quite reach your eyes, and your laughter sounds hollow when it finally comes.
“i don’t have to go, you know,” she told you last week as you sit together on the couch, her thumb tracing gentle circles over the back of your hand.
“i can stay here with you.”
you shake your head almost immediately, forcing a smile as you press a kiss to her knuckles.
“no, es, you should go. your family wants to see you. they miss you.”
you don’t tell her the rest—that you don’t want her anywhere near the dark place that december always drags you into. she’s too bright, too good, to get caught up in the emptiness you feel during this time of year. so you push her away gently, telling her you’ll be fine, that you’ll call her every day and send pictures of maple– your cat— curled up at the foot of the bed.
esmee doesn’t look convinced. she squeezes your hand tighter, leaning her forehead against yours.
“you’re not fine,” she whispers, eyes searching yours.
“i am, esmee.” you say.
you’re just tired, you convince yourself. however, the words stick in your throat because you know she won’t believe them. this is the first december you’ve spent together, the first time she’s seen you like this, and it terrifies you—being vulnerable in front of someone you care about so much.
you’ve always hated christmas. as a kid, it was just another reminder of everything you didn’t have. no presents waiting under a tree. no stockings hung by the fire. no warm meals shared at a crowded table.
instead, you had an empty house, cold and quiet.
your mom always worked. always. christmas, birthdays, weekends—it didn’t matter. “we need the money,” she’d say coldly, pulling her coat on as she hurried out the door, leaving you behind.
sometimes, she’d forget it was even christmas until days later.
“we’ll celebrate next year,” she’d promise. but next year never came.
you can still remember what it felt like to see the other kids at your academy, showing off their shiny new boots, their expensive kits, their gear from nike or adidas. their parents would stand proudly by the sidelines, bundled up in warm coats, smiling as they cheered.
then there was you, wearing a pair of cleats one size too big—scuffed, worn, bought secondhand with the crumpled euro bills you’d earned from mowing lawns or shoveling snow after training each afternoon. you’d tuck your hands into the pockets of your thrift-store jacket to hide the holes in the seams.
your academy teammates didn’t know how lucky they were.
you hated them for it, sometimes. hated their laughter, their joy, their easy lives. mostly, you hated yourself for feeling like you didn’t belong. for being the girl who showed up every day with nothing to show for it but grit, raw talent, and determination.
now, years later, that feeling lingers.
you’ve worked hard—harder than anyone—to get here. to wear the barcelona crest on your chest. to play alongside some of the best players in the world. to prove to yourself, and to everyone else, that you deserve this.
no matter how much success you achieve, no matter how many goals you score or games you win, you can’t outrun the past.
christmas will always be a reminder of what you never had.
you pull your boots off, methodical and slow, as the locker room continues to cheer around you. your teammates don’t notice the way your shoulders slump or how you turn away slightly, shielding your face.
“hey,” a voice says quietly beside you. it’s aitana, sitting beside you since her locker is beside yours. her tone is softer than usual, like she’s noticed something.
“you okay?”
you nod quickly, too quickly.
“yeah. just tired.”
she doesn’t look convinced, but she doesn’t push. aitana never does. she just nods and goes back to her boots, letting the moment pass without making it heavier than it already is.
you’re grateful for that.
you finish changing, moving through the motions on autopilot, your mind elsewhere. the noise in the room feels muffled, like you’re underwater, and when you finally leave the locker room, stepping out into the cold december air in your new training gear, you inhale sharply—like you’ve been holding your breath all along.
the sun is already setting as you leave training hours later, streaks of orange and pink blending with the darkening sky. your breath comes out in clouds as you walk toward your car, hands stuffed deep into your coat pockets.
you stare at the horizon for a moment, watching the city lights flicker to life in the distance. it’s beautiful, you think absently. and yet, it makes you feel so small.
tomorrow, the break begins. your teammates along with your girlfriend will board flights, heading off to homes filled with warmth, love, and laughter.
and you? you’ll stay here. alone.
you’ve grown used to loneliness over the years. it’s familiar. like an old coat you can’t bring yourself to throw away.
that doesn’t mean it hurts any less.
you sit in your car for a long time before starting the engine, the radio playing faintly in the background. a christmas song—cheerful and bright—fills the silence, and you quickly shut it off, gripping the steering wheel tightly.
you hate christmas. you hate the way it makes you feel. like you’re still that little girl, watching the world through a window, longing for something you’ll never have.
turning on the radio, you hear, “walking around the christmas tr–” before slamming your fingers on the mute button. there was no christmas tree in your apartment, nothing in your space shows that it is even december.
not like alexia’s apartment that clearly shows that is is the holiday season. the scent of cinnamon candles and fresh pine greet esmee like a warm hug as she visits alexia.
soft music plays from a speaker in the corner, and the living room is an organized mess of wrapping paper, ribbon spools, and tape dispensers scattered across the coffee table.
“es!” mapi’s voice is the first to cut through the scene, grinning up from where she’s sitting on the floor, tape stuck to her sleeve.
“about time you showed up. come help me wrap ingrid’s gift before she figures out what it is.”
“you’re impossible,” ingrid mutters beside her, laughing as she ties a bow on someone else’s gift. maybe vicky’s since esmee saw the ipad that the younger girl asked for.
esmee smiles at the couple teasing eachother, kicking her shoes off and settling onto the floor, careful not to disrupt the organized chaos. across the room, olga – alexia’s girlfriend – sits on the couch beside alexia, scissors in hand as she trims the edges of wrapping paper, while salma sprawls nearby, half her attention on the gift she’s wrapping and half on her phone.
“is mine here?” esmee teases after a moment, eyes narrowing playfully at the pile of brightly wrapped boxes beside alexia.
“it’s already done,” alexia replies without looking up, focused on folding the paper perfectly around a large box.
“you’re not getting any sneak peeks until new year’s eve like everyone else.”
“como no,” esmee groans dramatically, earning a laugh from salma and mapi. she leans back on her hands, soaking in the cheerful atmosphere for a moment, but the weight in her chest pulls her down before she can fully enjoy it.
the smile fades from her face, and her gaze drops to her lap.
“what’s wrong?” alexia asks, finally noticing the shift in her demeanor.
esmee hesitates, chewing her bottom lip. “it’s... about y/n.”
the room quiets slightly, everyone’s attention turning toward her. mapi raises an eyebrow, already halfway to smirking as she leans into ingrid.
“trouble in paradise?”
“no, no,” esmee says quickly, shaking her head.
“it’s nothing like that.”
olga sets down her scissors, studying esmee carefully.
“then what’s wrong?”
esmee swallows hard, fiddling with the corner of a ribbon.
“i feel like... i need to stay in barcelona for the holidays. with y/n. she’s—she’s going to be alone.”
alexia frowns slightly, confused.
“no, she’s not. she told me she’s going to see her mom and family eventually.”
esmee’s heart sinks, her brows furrowing as she glances up at alexia. “that’s not true,” she says softly, shaking her head. “she hasn’t spoken to her family in nearly five years.”
silence falls over the room like a heavy blanket. alexia looks stunned, her brow creasing deeply as she processes esmee’s words. salma sets her phone down, staring in disbelief, while mapi and ingrid exchange quiet glances.
“she told you that?” alexia asks carefully, her voice softer now.
“yeah,” esmee nods, her voice steady but heavy with concern.
“she doesn’t want anyone to know. i think—i think she told you that lie so you wouldn’t feel bad for her. she hates christmas. she’s always hated it. i don’t know why, but i can assume that it has to do with her family.”
“joder,” mapi mutters under her breath, rubbing the back of her neck.
“y/n’s gonna be alone? she didn’t tell anyone?”
“she wouldn’t,” esmee says, guilt rising in her chest as she looks around at them.
“she acts like everything’s fine, but it’s not.”
ingrid exhales slowly, her face softening with quiet understanding. “we can’t just leave her like this,” she says firmly.
“esmee’s right—she shouldn’t be alone.”
“what do you suggest?” alexia asks, her voice sharper now, edged with determination.
“we go to her,” mapi says immediately, pushing herself to her feet as if the decision is already made.
“right now. if she won’t talk to us, we’ll make her.”
“she’s going to hate me,” esmee says quietly, worry flickering across her face as she stands, too.
“she doesn’t want anyone to know. she’s going to be so upset that i brought you all into this.”
alexia crosses the room in a few strides, stopping in front of esmee and placing a hand on her shoulder. her expression is calm but resolute, a quiet authority in the way she looks at her.
“she won’t be upset at you,” alexia says firmly. “i won’t let her be.”
esmee lets out a shaky breath, nodding slowly as the others begin to gather their things. the cheerful hum of the evening is gone now, replaced by a silent determination that hangs thick in the air. alexia is the first to head for the door, already pulling on her coat, and one by one, the others follow—mapi, ingrid, olga, salma.
as esmee pulls her own coat on, she sends up a silent hope that you will understand. she knows how fiercely you guard your heart, how much you hates people seeing the parts of yourself that are broken.
esmee also knows that you deserve more than an empty apartment and silence on christmas day.
back to you– the steam still lingers faintly in your bathroom, curling around the doorframe as you pad out into your apartment, feeling the lingering warmth of your everything shower settle into your skin. your matching red plaid pajamas feel soft and clean, clinging to you in that perfect way that only comes after freshly washed laundry.
you won’t admit to anyone that the red plaid feels a little festive—that maybe, on some level, you allowed yourself to indulge in something resembling the season.
your hair is pulled back in a loose, low braid, wisps escaping around your face, and your apartment is spotless. floors vacuumed, counters wiped down, blankets folded neatly on the couch. if you couldn’t have christmas, the least you could do was make sure the space felt fresh and ready for the new year. clean, organized, empty. just like you wanted it.
you hum quietly as you step into the kitchen, reaching for the bowl of fruit on the counter. you’d planned to snack a little while watching a movie tonight, something non-festive—maybe a thriller like friday the 13th– anything that didn’t mention families or magic or joy.
before your hands can reach the fruit bowl, there’s a knock at your door.
you frown slightly, the sound cutting through the quiet apartment like an unexpected jolt. you assume it’s esmee—she’d mentioned she might come by to say goodbye before she left for the netherlands in the morning.
“coming,” you call softly, feet shuffling toward the door.
when you swing it open, your breath catches in your chest.
standing in the hallway, crammed into the small space outside your apartment, are esmee, mapi, ingrid, alexia, salma, and olga. esmee stands closest to the door, just beside mapi, her expression tinged with worry that makes your stomach turn.
everyone else has the same look—soft, cautious, and far too knowing.
“what’s—” you start, forcing a smile to smooth over your features.
“what are you all doing here?”
“surprise?” mapi tries, her voice lighter than the rest, but even she falters when your eyes narrow slightly in confusion.
“can we come in?” alexia asks softly, her tone careful.
you nod slowly, stepping aside to let them file in one by one. salma gives you a small smile as she passes, and olga pulls you into a quick hug—her familiar warmth a brief comfort.
“it’s good to see you,” she says, and you force another smile, nodding.
“you too. it’s been a while.”
as the door clicks shut and you turn back to face them, the knot in your chest tightens. their expressions don’t match their usual energy—not the teasing, playful banter you’re used to. instead, they’re quiet, gentle. worried.
“is everything okay?” you ask, scanning the room as they settle awkwardly around your small living space. you go on sit on your grey colored sectional couch as everyone follows you.
alexia is the first to speak.
“y/n... are you really going to see your family this year?”
the question hits you like a punch to the gut. your heart drops, and your eyes immediately dart to esmee, who looks at you apologetically. you don’t even need to say it—your expression screams “did you tell them?”
esmee shifts slightly, opening her mouth to speak, but mapi cuts in before she can.
“she can’t save you from this conversation,” mapi says gently, though there’s no humor in her voice.
“we know you lied.”
you take a small step back, crossing your arms over your chest defensively. “i’m fine,” you say quickly, the words rushing out before you can think.
“i don’t have christmas plans, and that’s okay.”
“it’s not okay,” ingrid says firmly, her voice soft but resolute.
“y/n, it’s clearly not fine.”
you feel the walls closing in, your heart pounding in your chest. the room feels too small, the air too thick. flight or fight mode kicks in—you want to run, to get away from their prying eyes and gentle words that feel like they’re picking you apart piece by piece.
“there’s nothing wrong,” you stammer, shaking your head as you back toward the couch.
“i don’t know what you’re all talking about. i’m fine—”
“hey,” esmee’s voice cuts through the panic, soft but steady, and when you look at her, the tension eases ever so slightly.
“it’s okay. nobody here is judging you, okay? you’re safe. you’re not in trouble for lying to ale.”
her words ground you enough to sit down, curling into the corner of your couch. you hug your knees to your chest, wishing you could shrink into yourself, disappear completely.
you don’t want to be here, in this moment, with all their eyes on you.
“i just hate how everyone gets to have a good holiday except me,” you mumble, the words spilling out before you can stop them. your voice wavers, cracking slightly as the truth seeps through the cracks in your armor.
ingrid is the first to move, crossing the room to sit beside you. she doesn’t say anything—just wraps an arm around your shoulders, holding you gently. olga comes next, kneeling on the floor beside the couch and resting a hand on your arm.
“what do you mean by that?” olga asks softly, her voice a careful whisper.
alexia moves to sit in front of you, dropping to her knees so she can look up into your face. her expression is open and kind, patient in the way only alexia can be.
“what happened, y/n?”
you close your eyes tightly, your fingers digging into your knees as you try to fight back the sting of tears. you don’t want to tell them. you don’t want anyone to know. but the words are already there, clawing their way out, demanding to be heard.
“i never had christmas, my birthday afterwards did not seem important either..” you whisper finally, your voice so small it’s almost lost to the room.
“i don’t even know what the happy feeling is supposed to feel like.”
alexia’s brow furrows, and mapi leans forward, her voice quiet but gentle.
“can you explain?”
you take a shaky breath, the air trembling as it leaves your lungs.
“growing up... it was just me and my mom. we didn’t have money for christmas. no tree, no presents, nothing. she worked all the time—she had to. bills came first. even with that, she was never nice to me. she made it seem like i was asking for too much.”
your throat tightens, but you force yourself to keep going, to let it out.
“when i was in the academy, all the other kids would come back after christmas with new cleats, new gear, new jerseys. i’d still be in hand-me-downs from thrift stores. i’d use money i got from doing yard work to buy boots that were a size too big to make sure i could fit in them for a few seasons– because it was all i could afford.”
the room is silent as you speak, the weight of your words settling over everyone like a blanket. ingrid’s arm tightens around you, and olga gently rubs your arm as tears sting the corners of your eyes.
“i hated it,” you admit, your voice breaking.
“i hated watching everyone else have families, have traditions, have... love. i hated feeling like i did something wrong, like i wasn’t good enough to deserve it.”
you bury your face in your knees, unable to look at them. your shoulders shake slightly as you try to keep yourself together, but the truth is out now, raw and ugly, and you feel exposed in a way that terrifies you.
“you didn’t do anything wrong,” esmee says softly, sitting on the floor beside alexia now.
“none of that was your fault, y/n.”
you don’t respond, but the tears slip free, hot and silent against your skin. you feel alexia’s hand settle on your knee, grounding you, and ingrid presses a kiss to the side of your head.
“it’s not fair,” you whisper.
“it’s not fair that everyone else gets to be happy except me.”
“but you deserve to be happy, too,” alexia says gently, her voice firm with conviction.
“you deserve love, and joy, and traditions, just like everyone else.”
“we can’t change your childhood,” salma adds softly.
“but we can change this year and every year after this one.”
you lift your head slightly, looking at her through blurry eyes.
“what do you mean?”
“you’re not spending christmas alone,” ingrid says simply, brushing a tear from your cheek.
“none of us are going to let that happen.”
“you’ll come with me and olga,” alexia says.
“we’re having dinner with her family on christmas eve, and you’re coming. no arguments.”
“and before you say no,” olga adds quickly, smirking slightly, “it’s not a pity invite. it’s a ‘we want you there because we care about you’ invite.”
you look around the room, at all of them—esmee, alexia, mapi, ingrid, olga, salma. their faces are open, kind, and so full of love that it makes your chest ache.
“you don’t have to do this,” you say quietly, but esmee shakes her head.
“we want to,” she says softly.
“you’re not alone anymore, y/n. you have us now, you have me.”
something shifts in your chest at her words, the weight you’ve been carrying for years lifting
you don’t know what christmas will feel like this year, but maybe, just maybe, it won’t be so bad.
esmee shifts beside you, reaching for your hand, threading her fingers through yours as you lay your head on her chest. her touch is soft, steady, and when you glance at her, you see something unwavering in her eyes—love, determination, all of it laid bare.
“i’m staying in barcelona,” she says quietly, her voice gentle but firm.
your brows furrow immediately, and you sit up slightly.
“esmee, you don’t have to—”
“no,” she cuts you off, shaking her head with a small smile.
“i’ve already decided. my family is coming here instead on the day after christmas. we’ll celebrate together, and you’ll be with us.”
you open your mouth to protest again, the instinct to push her away rising, but before you can say anything, alexia’s voice chimes in, calm and final.
“again, that’s not up for debate,” she says softly, kneeling back onto the floor to look at you, a small smile tugging at her lips.
“you’re family to us, y/n. esmee’s family loves you just as much as we do. and that’s final.”
you glance back at esmee, your heart tightening, your walls cracking just a little more as her thumb rubs soothing circles over your knuckles.
“you’re not alone anymore,” she says again, her voice barely above a whisper.
“this year, you’ll have a real christmas. with me. with my family. with our family.”
you stare at her for a moment, overwhelmed by the weight of her words, by the love in her gaze that feels so foreign yet so familiar all at once.
"okay,” you whisper, your voice trembling slightly as the beginnings of a smile tug at your lips.
“okay.”
esmee leans in, pressing a soft kiss to your temple as alexia gives your knee one last reassuring squeeze. the rest of the room seems to exhale in relief, the energy softening into something warm and safe, like a blanket wrapping around you.
for the first time in years, you let yourself believe it.
you’re not alone.
and this year, christmas will be different.
masterlist
#barcelona femeni#fc barcelona#woso fanfics#woso community#woso x reader#esmee brugts#alexia putellas#aitana bonmati#mapi leon#ingrid engen#salma paralluelo#olga rios
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Retirewise is Committed to Support Self-Funded Retirees And All Customers By Helping People Meet Their Specific Financial Goals. Our Manifesto Outlines Our Dedication.
Visit: https://qwikad.com/1748/posts/6/98/2529277-Self-funded-retirees.html
#retirement planning australia#australia#financial advice sydney#personal wealth management#finance#financial planning sydney#preparing for retirement australia
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Your Mortgage Experts Australia | Mortgage Brokers Victoria
Your Mortgage Experts is a trusted mortgage broking company in Truganina Victoria Australia dedicated to helping our clients find the right mortgage solution for their needs. With our access to a wide range of lenders and loan products, our expert advice and personalized service, we make the mortgage process simple and stress-free. Our goal is to help our clients achieve their homeownership dreams while saving them time and money in the process.
We offer a comprehensive range of mortgage solutions tailored to meet the unique needs of our clients. Our services include access to a wide range of lenders and loan products, expert advice and personalized service, as well as ongoing support throughout the mortgage process. We strive to provide a seamless and hassle-free experience for our clients, helping them achieve their homeownership goals while saving them time and money in the process.
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Our mission is to simplify the mortgage process and empower our clients to make informed decisions by providing expert advice, access to a wide range of lenders and loan products, and personalized service that exceeds their expectations. We are dedicated to helping our clients achieve their financial goals and building long-term relationships based on trust, integrity, and transparency.
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Call: 1300 208 963 | Email: [email protected] Website: www.yme.com.au
#MortgageExperts#business loan#finance#loans#mortgage#personal loans#Bridgingloans#insurance#asset finance#home loan#financial planning#mortgage loan#victoria#tarneit#truganina#cranbourne#perth#Sydney#PointCook#Melbourne#Australia
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Trump Inauguration 2025 and Historical Market Reactions to New Presidents
The inauguration of Donald Trump as President of the United States in January 2025 marks a significant political moment. The transition of power and its potential economic implications have drawn attention from various sectors, including financial markets. While no predictions are made here, understanding the history of new presidential terms and their relationship with markets can provide valuable context.
Historical Market Trends with New Presidents
Financial markets often react to new administrations due to anticipated policy changes. Historically, the start of a presidential term can coincide with shifts in investor sentiment, driven by expectations about fiscal policies, regulations, and international relations. Here are some general observations:
First-Year Trends:
Market performance in the first year of a presidency varies widely, often reflecting the state of the economy inherited by the new administration.
For example, Barack Obama’s inauguration in 2009 coincided with the global financial crisis, resulting in a challenging market environment. Learn more about retirement advice.
Conversely, Ronald Reagan’s 1981 inauguration saw markets initially struggle with inflation concerns but later rally due to deregulation and tax reforms.
Policy Expectations:
Markets respond positively or negatively depending on perceived impacts of new policies on industries like energy, healthcare, and technology. Read about the financial advice.
For instance, Donald Trump’s 2017 inauguration was followed by a market rally attributed to expectations of corporate tax cuts and deregulation.
Election-Year Anomalies:
Election years themselves often see heightened volatility as investors adjust to potential leadership changes. financial planner Sydney can help navigate such uncertainties.
Market Volatility and Transitions of Power
The transfer of power from one administration to another can lead to market uncertainty, especially if there are significant ideological differences between the outgoing and incoming presidents. This phenomenon is not unique to the United States and has been observed globally. Key factors influencing market reactions include:
Economic Policies: Anticipation of changes in taxes, spending, and regulation.
Trade Policies: Adjustments to tariffs, trade agreements, and international relations. Learn about financial planner Parramatta.
Federal Reserve Dynamics: The president’s influence on monetary policy indirectly impacts investor confidence.
Trump’s Historical Market Impact
During Trump’s first term (2017–2021), the U.S. stock market experienced notable growth, particularly in sectors like technology and finance. This was largely attributed to tax reforms, deregulation, and increased government spending. However, geopolitical tensions and trade disputes also introduced periods of volatility. Understanding long-term market growth strategies can help mitigate these risks.
Inaugurations and Market Observations
Short-Term Volatility: Market reactions to inaugurations are often short-lived, influenced by inaugural speeches, cabinet appointments, and early executive orders.
Long-Term Trends: Over the long term, markets are influenced more by economic fundamentals than by the party or policies of the president.
Conclusion
While presidential inaugurations are significant political events, their direct impact on financial markets is often nuanced and context-dependent. Historical trends suggest that markets adjust over time as policies take shape and economic fundamentals come into play. For those observing the inauguration of Donald Trump in 2025, understanding these historical patterns provides a grounded perspective on market behavior during presidential transitions. Learn more about navigating financial milestones.
Disclaimer
This document provides general historical information and does not constitute financial or investment advice. Past market performance does not guarantee future results. For personalised advice, consult a licensed financial adviser.
#financial advice#financial planner#financial planning#parramatta#financial planner sydney#sydney#financial advisor sydney#financial planner parramatta#smsf advice
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I can't explain this, but Black women looking young is somehow being added to the convenient excuses to not ship Black women with popular white leading men but ~not in a racist way~
She's strong and independent, she doesn't need him
He's a mess, she can do better
She should be gay! or with minor Black side character!
NEW: She looks so young :(
I'm obviously picking on this particular person but I've seen several people dismiss SydCarmy because "he's a much older, mentor figure! that'd be inappropriate!" And like??? HUUUUH???
Sydney and Carmy are an absolute MAX of 5 years apart in age. And while Ayo looks beautiful, 19 she does not look! Sydney went to culinary school and has worked at several fine dining establishments before launching her own business, common sense says she's at least in her late 20s. And while Carmy has more restaurant experience, he was a literal prodigy who started young.
ALSO, this is kind of an aside but where the fuck is Carmy mentoring Sydney in any real capacity?
S1 - she gets hired, 2 days later she was like "hey I redid your entire business plan because your shit is fucked, a day later he asked her to lead the brigade and then ditched her. He went to cater Cicero's party with Richie and once again Sydney was in charge DURING A POWER OUTAGE. She quit mid-service, comes back, and he's like want to start a restaurant with me?? Not as a fucking mentee, as a partner
S2 - Sydney is making the construction timeline decisions and present and participating in financial/loan conversations with the literal owners of the Beef/Bear. Sydney is part of designing the menu. Sydney is hiring. The only mentor-mentee relationship she's in is with TINA!
Does Sydney look up to Carmy because he's in many ways accomplished her culinary dreams? Absolutely. But people acting like she's some bright eyed student he's teaching to dice onions is fucking crazy.
#anyway i'm yelling#the bear fx#sydney adamu#carmy berzatto#sydcarmy#everyone is just so predictable and annoying#there was another reddit post#where the OP was like 'im 21 and my boss is in his 30s and i hate when people imply there's something romantic between us'#and i had to PHYSICALLY restrain myself from being like 'well sweetie#like do you spend a lot of time in your boss' apartment or looking into each others eyes under tables?#is he buying you custom designer chef wear?#no?#fucking ok then#let's get back to this fictional fucking show then shall we#this really feels so tenmartha in the worst way
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Breaking Down Your Holiday Budget: Where to Spend, Where to Save
The holiday season is a time of joy and celebration, but it can also bring financial stress if you’re not careful. From gifts and decorations to travel and entertainment, the expenses can quickly add up.
However, with the right approach, you can create a holiday budget that allows you to enjoy the festivities without the burden of debt.
Set a Realistic Budget from the Start
Before diving into holiday spending, it’s essential to set a realistic budget. Take a close look at your overall financial situation, including your income, expenses, and any upcoming bills. Factor in your usual monthly costs, such as rent or mortgage payments, utilities, groceries, and insurance, so you have a clear understanding of your financial limits.
Once you’ve established your financial boundaries, work with a financial advisor Sydney to determine how much you can comfortably allocate to holiday spending. Setting a budget will prevent you from overspending and help you avoid financial stress come January.
Where to Spend: Invest in Meaningful Gifts
When it comes to spending during the holidays, gifts are often the biggest expense. However, you don’t need to spend a fortune to show your loved ones you care. Focus on purchasing gifts that are thoughtful and meaningful rather than expensive or extravagant. Personalized items, such as custom jewelry, monogrammed accessories, or handmade gifts, often feel more special than store-bought items and can be purchased within a modest budget.
If you’re worried about overspending on gifts, consider setting a spending limit for each person on your list and stick to it. This will help you avoid the temptation of buying more than you can afford. For bigger family gifts or group presents, consider pooling resources with others to reduce individual costs.
Travel can also be a significant holiday expense. If you plan to travel to visit family or take a vacation, budgeting for airfare, accommodation, and meals is crucial. Early booking can often lead to discounts, so plan ahead to take advantage of lower prices. For a more cost-effective solution, consider staying with friends or family or exploring local travel options rather than flying.
Where to Save: Cut Back on Extras
While it’s important to spend thoughtfully on gifts and travel, there are plenty of areas where you can cut back and still enjoy the season. Here are some tips for saving without missing out on holiday fun:
Decorations
Holiday decorations can be beautiful, but they can also be expensive. Rather than buying all-new decor every year, try reusing items you already own, or make your own decorations. DIY holiday crafts can be a fun, creative way to add festive touches to your home without breaking the bank.
Entertainment
While holiday parties and gatherings are a great way to celebrate, they can also come with added costs, such as catering or buying drinks. Instead of hosting a big, expensive party, consider a potluck-style gathering where guests bring their favorite dishes. You could also opt for low-cost entertainment, such as game nights, movie marathons, or a holiday scavenger hunt.
Dining Out
If dining out is part of your holiday tradition, keep your budget in mind when choosing restaurants. Instead of going to expensive venues for every meal, mix in some home-cooked meals or casual dining experiences. You can still enjoy delicious food and create special moments without the high price tag.
Track Your Spending Throughout the Season
One of the most effective ways to stay on top of your holiday budget is by tracking your spending. This may seem like a small step, but it can have a big impact. Use budgeting apps or spreadsheets to monitor your expenses as you go. By entering your purchases as you make them, you’ll be able to easily see how much you’ve spent in each category and whether you’re staying on track.
If you’re finding that you’re going over budget in one area, like gifts or dining, you can adjust your spending in other areas to make up for it. Consistent tracking ensures that you don’t lose sight of your budget and helps you avoid unnecessary debt after the holiday season.
Consider a Holiday Savings Fund
To avoid financial stress when the holiday season rolls around, start planning ahead by setting up a holiday savings fund. Even a small amount saved each month leading up to the holidays can add up and make a significant difference in your overall budget. Working with a financial advisor Sydney can help you determine a savings plan that works for your lifestyle and goals.
A savings fund will allow you to spread out your holiday expenses and ensure you don’t have to rely on credit cards or loans. This way, you can enjoy the holidays without worrying about paying off debt in the new year.
Creating a holiday budget doesn’t have to mean cutting out all the fun. By spending thoughtfully and saving in areas that don’t compromise your enjoyment, you can have a wonderful holiday season without the financial hangover. Whether it’s investing in meaningful gifts or cutting back on unnecessary extras, staying mindful of your spending will help you end the year on a positive note.
If you need help setting up a realistic budget or managing your finances during the holidays, consulting a financial advisor Sydney can provide you with the expertise and guidance you need. With careful planning, you can ensure a debt-free, stress-free holiday season and set yourself up for a strong financial start to the new year.
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HOW CLOSE ARE WE TO SPACE COLONIZATION??
Blog#342
Saturday, October 21st, 2023
Welcome back,
There's a huge difference between sending humans to Mars and colonizing worlds outside our solar system.
The answers to these questions depend heavily on which planet you're talking about. For Mars, decades isn't necessarily an unrealistic time frame. Serkan Saydam, deputy director of the Australian Centre for Space Engineering Research and a professor at the University of New South Wales in Sydney, said human colonization of Mars is possible within decades.
"I believe by 2050 we will have a human colony on Mars," Saydam told Live Science.
Saydam is a mining engineer who specializes in researching future mining. The first major step in establishing a successful Mars colony will be water, and that can be extracted from ice and/or hydrated minerals, according to Saydam. He thinks water will then facilitate agriculture and the ability to grow food on Mars, like in the 2015 movie "The Martian," while hydrogen from the ice and minerals could also be used as an energy source for rocket propellant.
But there isn't a scientific consensus on Mars colonization by 2050, and other scientists have offered less optimistic opinions. Louis Friedman, an astronautics engineer and co-founder of the nonprofit The Planetary Society, suggested to Gizmodo in 2019 that Mars colonization was unlikely for the foreseeable future, while Rachael Seidler, a neuroscientist at the University of Florida who has worked with NASA astronauts, told Gizmodo that people like to be optimistic about colonizing Mars, but it sounded "a bit pie-in-the-sky."
Humanity will, however, likely reach Mars within decades. China plans to start sending human crews to Mars in 2033, while NASA aims to send astronauts there by the late 2030s or early 2040s. Once humans get there, the next step could be to build a colony.
Colonization implies some degree of self-sufficiency but not necessarily complete independence from Earth. Saydam compares Mars with a remote island where you'd still need to import things occasionally.
"Most of the equipment and tools will be sent from Earth," Saydam said. "I don't think you can manufacture a truck on the Mars surface."
Mars would need to produce something for a long-term colony to be financially viable. Space tourism is one option, but Saydam pointed to mineral extraction as key to colonization success.
For example, space mining on nearby asteroids for valuable materials such as platinum could create new space economies, thereby driving further investment and exploration.
Originally published on livescience.com
COMING UP!!
(Wednesday, October 25th, 2023)
"CAN WE HARNESS THE FULL ENERGY OF THE SUN??"
#astronomy#outer space#alternate universe#astrophysics#universe#spacecraft#white universe#space#parallel universe#astrophotography
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