I’ve always been puzzeld about the health care system in America. It seems so darn expensive?? I have a few health issues that need to be cared for several times a year, and then medications with that as well. In Sweden I pay, at the most, 2500 SEK (approx 233 USD) and after that all of my medical appointments are free. Same with medication, just a bit lower. Are people deliberately avoid caring for their health issues due to the cost of it?

WARNING! AREA 21+ Catharina Berntsen adalah seorang gadis berusia 20 tahun yang harus menghadapi kerasnya hidup. Dia memulai hidupnya dengan menjadi wanita bayaran. Pada akhirnya Catharina Berntsen bertemu dengan pemuda bernama Mischa Wagner, dari situlah awal mulai cerita yang harus dilewati dan dihadapi oleh Catharina. Namun, Ibu tiri Mischa yang bernama Gilly Brown tidak menerima kehadiran Catharina di rumahnya. Wanita itu merasa bahwa kedatangan Catharina adalah sebuah ancaman untuknya. Dia pun tidak tinggal diam, dia mencari cara untuk melenyapkan Catharina. Mischa mempunyai adik tiri bernama Marcel Brown dan ternyata Marcel menaruh hati terhadap Catharina hingga sebuah hubungan terlarang terjadi. - Jika kau hanya menjadikanku sebagai budak seks untuk melampiaskan kepuasanmu, maka aku akan menjadikanmu sebagai mesin uangku - Read more

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I had DI w/ free Nip Grafts at Reformkliniken in Malmö on 18th April! Dr Tuve was my surgeon. I wanted to leave a review here since a few things happened that I wasn't prepared for and maybe this'll help anyone else!
I am from the UK and decided to have surgery privately with Dr Tuve as it was much cheaper than the UK. The cost of the surgery was 65000 SEK which is about £4800.
I flew from Manchester to Copenhagen, and then took a train to Malmö. It wasn't that expensive and very easy to figure out directions in person.
I went for 2 weeks and 4 days so I could go to in person appointments before and after the surgery. I'm also autistic and felt I needed the extra time to ground myself in a new country. I stayed at the Scandic St Jörgen hotel which was only a 5 minute walk from the clinic. Hotels are quite pricey and it has it's pros and cons. Pros - close to clinic, hotel cleaners, free wifi, close to food shops and restaurants, easy to get to train/transport. Cons - more expensive than airbnb, no fridge so had to have takeout a lot, they did a laundry service but it was VERY expensive.
In the end I do think the hotel was right for me and my needs, but I know many others are not as privileged to be able to stay that long in a hotel.
I had my pre op appointment on the 16th, which I was dreading but it went a lot better than I thought it would. Dr Tuve asked me a lot of questions about my gender, how long I've wanted top surgery, is my family accepting, etc. He then examined my chest and asked what kind of results I'd like. He let me get changed before he stepped in which I was grateful for. They asked if I had picked up my prescription (meds needed before surgery), however I hadn't had any notification about this prescription at all. They were very quick to give me a new one, which I collected the next day.
The 18th was surgery day, and I was told to arrive at the clinic at 7am. My partner walked me there, and we said goodbye outside the clinic doors. I had to fill in some paperwork, have an anti bacterial shower, and pee before surgery. I was really nervous for the anesthetic and going under, plus the IV, but it was a lot better than I thought it'd be! The nurse who did my IV was very kind and did it quickly, and it wasn't painful at all. I was called into surgery at around 8:20am. I had to lay on the surgical table, which was honestly the scariest part. The anesthetic took a few minutes and then it all kinda hit and once. It felt like a very deep long nap. I was out of surgery and awake by 12:20pm.
I was very sleepy for a few hours and apparently I sent a lot of videos of me to my partner but I don't remember taking them! They are funny to watch back! I was feeling quite nauseous so out of the food options I had some granola and apple juice. I was offered a sandwich too but that was too much for me. I kept falling in and out of sleep for a bit. The nurse was encouraging me to try go to the toilet, but I was really nauseous. I did end up being sick a lot, it was whenever I sat up. We ended up wheeling me in a wheelchair to the toilet to try pee (which was a success!). I was given some anti nausea meds. Before I left the clinic, the nurse took off my post op binder, nips dressings, and large dressing, and I felt a lot better. I got to see my chest for the first time (my nips were still covered by gauze). It looked really good for the first day! The nurse showed me how to wrap the binder myself and what to do with the nip dressings. He then wrapped me back up, but I immediately threw up which he realised was from the pressure of the large dressing. He decided to take off the large dressing so I was just wrapped with the nip dressings and binder. He only allowed this because I wasn't that swollen!
I left the clinic at 7pm, and my partner picked me up. I was able to walk easily, just sore on top, and I was on a lot of painkillers so it wasn't that bad.
The instructions from my dr was to have a shower daily, antibiotics twice a day, pain meds twice a day, more pain meds can be taken if needed (I did for the first few days). My partner helped me shower the first 3 days as I couldn't really reach anything, but after that I was slowly more independent. We had a shower head we could take off the wall which was very handy and made it a lot easier. I had to sleep on my back, which is quite painful since I had a curved spine, but I found ways to cope with it (pillow under lumbar region, pillow under feet for elevation). I brought a travel pillow and a mastectomy pillow with me. I honestly didn't use the mastectomy pillow for what it was made for, as it hurt to put my arms in the side holes. I used it more to stop myself rolling to the side. The travel pillow is a must. It helped stop a lot of neck pain, and I could fall asleep a lot easier laying on my back with my head surrounded by the travel pillow.
Unfortunately I got really ill on my 4th day post op. I track my periods, and knew one was coming up, so I was already expecting pain the week before (normal for me). This pain was a 10/10, I couldn't move and threw up a lot. We called the clinic and apparently it is normal for surgery to affect periods and cycles. I wasn't expecting anything quite this intense, so I thought I'd leave this in here in case anyone else experiences it! No-one else that I knew that was having top surgery experienced this, but I know I have a lot more intense symptoms of periods normally so this may have contributed to it. Luckily this only lasted 1 day.
The rest of the week was a lot better, and I managed to eat a lot more and do a few more things. I went on daily walks as advised by Dr Tuve, but nothing too far.
On my 9th day post op I had a random allergic reaction. My body really went through it! My face was swollen and red, and I had hives all over my body. We had no idea where it had come from since I was just doing the same stuff as normal, however I am almost certain it is linked to my autism/stress levels (I have had random intense illness related stuff flare up from overstimulation and stress a few times). I was given some antihistamines and they worked slowly over a few days.
On my 12th day I had my post op appointment where a nurse removed the gauze from my nips and any visible stitching from them. I was super nervous going to this appointment as my nips smelt really bad and I was worried they were infected. Luckily all was good ! Apparently I had a small hematoma, but it didn't have fluid so no need to drain. I was instructed to wash my nips 2-3 times a day, have my daily shower as per usual, and change the tape on my insicions once a week. I also had a small bandage gauze I taped to my nips which I had to do til they were dry. My nips were dry by 2 days after this appointment, but I used the small bandages for about a week as I was nervous of the binder causing irritation on my nips. I also had to keep wearing the binder, which I have to do til 4-6 weeks after surgery (depending on how swollen I am).
I flew back home on 2nd May, and it was all good health wise.
Since then, recovery has been good! I'm very happy with my chest. My insicions look super thin and the nips look great too.
Overall, my experience with Dr Tuve and his team was great! Here are my main pros and cons:
Pros - Cheaper and high quality results! - Very lovely nurses and Dr. I felt I was in good hands. - They are happy to answer any questions, post op and pre op. - The clinic is very nice. Felt like I was in a hotel! - You do not need to be on T or have a gender dysphoria diagnosis. These things can help the process, but are absolutely not necessary.
Cons - Most documents were in Swedish and I had to translate them using Google Translate. You can call up the clinic to ask questions, but I am not good with phone calls! - The documents/help sheets aren't super clear on post op care, it is mostly for pre op information - Sometimes a lack of communication, such as with the lost prescription.
I hope this helps anyone!

Is this a brand new build, or an upgrade to an existing build?

1. new

Please list any existing parts or monitor(s) you have that you would like to re-use with this build. For upgrades, a [PCPartPicker](https://pcpartpicker.com/) list of your full build is extremely helpful. Be as specific as you can be here, including links or exact model numbers of each component whenever possible.

1. no re-use parts except for my monitors; Acer XB240H and Samsung Odyssey G3

What will this PC be used for? Examples include things like gaming, general/multimedia use, photo/video editing, coding, AI/ML, etc. Include specific games and applications you intend to run, and any particular performance goals you have, as each may have different specific hardware needs.

1. mainly videogames and editing. CS2, Vegas Pro and After Effects.

What country will you be purchasing in? If you are in the US, do you live near a [Micro Center?](https://www.microcenter.com/) For other countries, please check if your country is supported by [PCPartPicker](https://pcpartpicker.com/) by using the country selector dropdown on the top right - if not, please provide some links to reliable local vendors you are comfortable ordering from.

1. Sweden, it is supported by [PCPartPicker](https://pcpartpicker.com/)

Do you need one or more monitors included in the budget? Please list how many and any size/resolution/refresh rate preferences if needed.

1. no.

What is your preferred and maximum budget range for this build, in local currency? Parts lists may sometimes have additional shipping costs. Please note whether prices in your country include sales tax or not, and adjust your budget accordingly. Typically VAT countries will have it included in the part list prices, whereas regular sales tax countries like the US and Canada will not.

1. 10,000 SEK or about $930 USD. Sweden has VAT.

Do you need WiFi, or do you have a wired ethernet connection available?

1. I have ethernet

Do you have any specific size or noise requirements for the build?

1. mid tower

Do you have any aesthetic preferences for color or lighting? Describe what you're looking for, or feel free to provide some links to examples that may help. Some people prefer an inobtrusive stealth build, while others may prefer a case full of rainbow RGB.

1. black case

Any other specific requests or requirements? Examples might include a specific minimum amount of storage, or a particular CPU socket for a future upgrade path, etc.

1. 3 storage drives. I would also like it to be as power efficient as possible.

We purchased a new stroller in Sweden because our old one was not cutting it. It was around 5000 sek. According to many posts I’ve seen, things like Global Blue seem to expect a special tax free receipt, which I didn’t know to get. Am I still able to get a refund?

Hi all,
I've had far too much free time at work so I've been working on a new levelling concept for DaD.
The idea behind this is to address the issues people had with multiclassing, the RNG element, certain builds being OP, and class identity.
The way I've decided to tackle this is through "Unique Innate Perks". These are effectively subclasses that add a new power to the class at level 10 and 20.
I imagine that some of these are far too strong/difficult to implement but I'd like to see what people think, what you like and what you would change.
https://docs.google.com/spreadsheets/d/1zV5NkFx2xDa_UfU45dgyFpcEqSEk-eVO/edit?usp=drivesdk&ouid=100525298718499246311&rtpof=true&sd=true
(there are some notes at the bottom explaining some of the new terms but if I need to add clarifications please let me know)

I run a small hedge fund based out of Raleigh, NC. Myself and my Fund are long $HAYPP. Please see the disclaimer at the bottom of the post. For more blog posts like this check out my Fund's blog at https://www.rogue-funds.com/blog
Also if you would like to see this blog post with pretty pictures you can also check out: https://www.rogue-funds.com/blog/haypp-group
All Financial Figures are in USD unless otherwise specified.
I think HAYPP Group, the biggest online retailer of nicotine pouches, can capture a huge chunk of the sales in what I believe will be the biggest form of nicotine intake growth over the next 10-15 years.
The future of nicotine consumption will be nicotine pouches and it is growing at an unprecedented rate. Here in the States the go to item for nicotine pouches are Zyn’s (owned by Philip Morris), in Europe it’s Velo (owned by British American Tobacco), but there are various other brands that all catching fire: ON! (Altria), Rogue, Juice Head, FRE, Lucy, and Sesh, among various others.
What is HAYPP?
Brief History
HAYPP is an online retailer and distributor of nicotine pouches and snus. The company was started by a couple of Swedish teenagers in 2009 and through mergers and acquisitions they no longer are in charge of the company as the current CEO joined in 2017/2018. The company bought Nicokick.com and northerner.com (northerner owns 9% of stock) which are now both of their main American brands. They switched from Snus to Nicotine Pouches 6 years ago and haven’t looked back.
HAYPP currently owns a roughly 85% online market share for their Nordic part of the business, which they refer to as their “core” business as well as a ~55% market share of the oral nicotine market (85% market share of the legal nicotine pouch e-commerce market) for their growth market which is considered the US, UK, Germany, and Swiss countries.
SEO Powerhouse
So how do they have such a grasp on what would obviously be a hyper competitive online industry? The main reason for their hyper success in the online market is that they have a death grip on the SEO landscape. Their mastery of SEO allows them to spend almost nothing on marketing and to keep pushing out their distribution system (which continues to drive costs down for them and consumers). This creates a positive feedback loop as they become even cheaper than their competitors, allowing them to lock in customers (over 90% of the customers becoming recurring customers).
If you google just about anything related to Nicotine pouches, there is probably a 95%+ chance that the top unpaid search result will be a HAYPP Group Domain. Even niche searches such as “what is an upper decky” (Gen. Z slang for nicotine pouches) or basic searches such as “what are the top nicotine pouches” you will see that HAYPP Group owns the top of the search.
This is huge when sites like Google severely limit the amount of advertising that addictive products can utilize on their search engine. HAYPP ends up barely spending anything on marketing due to 40% of new customers coming through word of mouth and the rest from SEO.
Data
Their other field of expertise is data collection and selling. Due to the large variety of pouches and being the number one online seller of nicotine pouches, they have created a major database which they sell to various nicotine pouch producers such as Philip Morris and Altria. Producers buy these on an annualized basis, and you can see the usage of their data among the investor relation reports/presentations/websites of various producers. As you can see from my beautiful pictures on this post, they compile plenty of data to help me understand the business better.
Lowest Cost Seller and Best E-Commerce Distribution
Due to their distribution network, HAYPP has become one of the cheapest (if not the cheapest) sellers of nicotine pouches in the world. You can buy Zyn’s cheaper from HAYPP websites than you can from the ZYN website. Haypp’s prices are 20-40% cheaper than grocery stores and 30-50% cheaper than convenience stores.
They have been integrating their distribution network so that most variable costs are being converted to vertical fixed costs creating operating leverage for them as they rapidly scale their revenue and are able to increase margins. They have implemented 2-day delivery across the US and close to implementing across Europe markets as well.
Leveraging Market Share for High Quality New Products
The last part of their business model is their ability to leverage their large consumer base to help new products capture market share, which allows them to capture higher margins on their products and it increases the variety of products which consumers would like to buy. In Nordic countries the variety of products is a benefit to them as consumers want to try various brands and flavors. When this competition trend hits the US it will only benefit them even more.
Why Haypp vs Pouch Companies
Currently in the US there are only a couple main brands with Zyn owning a huge chunk of the market. In Europe, Velo is the most popular brand but there are many Nordic brands that consistently attack margins and currently there is little competition in the US market which most likely won’t last much longer. As consumers search out the cheapest product and try to hunt for variety, HAYPP will be that future as convenience stores lag in variety and cost.
Products such as Zyn will definitely continue to grow (currently Zyn is growing at 70% y/y) but we could see margins shrink as competition becomes fiercer and consumers branch out away from the first movers, although Zyn continues to take up 70% of the US market. This only further benefits HAYPP as they are the go-to spot for a large amount of variety. Although they don’t benefit as much from less competition, they are still beneficiaries of an oligopoly esque market due to their cost and distribution networks.
Most large publicly traded pouch companies are also cigarette and chewing tobacco sellers who are rapidly seeing those segments get cannibalized by vaping and nicotine pouches combined with regulatory crackdown risk. Since HAYPP has no exposure to either one, you will not experience any cannibalization outside of snus cannibalization in the Nordics. This is the best pure play bet on nicotine pouch consumption.
Certain countries have limited the ability for consumers to have access to nicotine via retail stores which will allow them to take huge shares of the overall market in places like Germany or in California where they have banned flavored nicotine products in retail stores has led to windfall of customers to HAYPP’s e-commerce model.
Management
The current CEO of HAYPP group, Gavin O’Dowd, used to work for British American Tobacco (BAT) and was the driving force for the VELO acquisition. He currently owns 3.6% of the stock and various other PE firms and Family Offices own large chunks of HAYPP. Most executives have warrants that could give them the right to 200k-400k shares each (29m shares outstanding with no serious history of dilution).
Regulations
As many of you are aware, regulations are a huge part of the nicotine industry. Taxes are going to be huge risks, which are then combined with flavor bans. I think nicotine pouches are one of the products that are least likely to get hit with serious bans since their health risk is much lower than almost any other nicotine product.
The nicotine pouch industry as a whole has been behaving spectacularly well when it comes to ensuring they are not purposefully marketing to young people. They are trying to avoid having a Juul 2.0 fiasco which basically murdered that business and completely fragmented the vaping industry which is on the brink of regulatory crack down.
HAYPP does their part by ensuring age regulation across their whole site. They have age verification to order and deliver. They have a huge emphasis on ensuring that they abide by the law.
Financials
Core Segment (Nordic Countries)
The company is growing heavily in every segment that it operates in. Its core segment seems to be slowing down in growth due to heavy cannibalization from snus sales. This should only be temporary as nicotine pouch volume grows at 30%+ y/y. Once snus nears its cannibalization endpoint, I would expect revenue to begin growing again in its core market (although not at 30%). Current revenue is $250m USD and EBITDA is about $18m USD for just the core segment for the last twelve months. Management expects high single digit EBITDA margins for 2025.
Growth Segment (US, UK, Germany, Switzerland)
The growth segment is skyrocketing. Growth is over 46% y/y and this growth has been consistent and should continue to be consistent. EBITDA margin for the growth markets has begun to inflect positively which will cause a massive amount of leverage in their EBITDA to occur as their fixed cost model begins to do its job. As economies of scale drive forward, we should see this margin increase substantially over the coming years. Currently Revenue is at $77m USD for growth markets and EBITDA is at -$3.5m USD.
Let’s Talk about the Growth Segment a bit more.
This is where the real value from HAYPP will come into play. While it currently begins to inflect positive in terms of profitability, it should be noted that the Growth markets have a massive TAM compared to their core market and could cause the company to 5x in the next few years if they maintain or gain market share and continue to grow in these massive TAMs.
As they grow, their competitive advantage deepens due to sticky customers and cheaper products from economies of scale. The US has an even faster scale of 49%+ growth y/y and HAYPP is outpacing the US nicotine pouch growth at 57% y/y. As the US begins to approve various products and variety begins to flood the US market, a ton of US users want to try various Nordic brands that don’t have access which lends a very strong lean towards an online website such as HAYPP. The US is a very ripe environment along with the UK and Germany (where nicotine can only be sold online) for HAYPP to continue to outperform massively.
Emerging Segment
Their “emerging” segment is where they have begun to introduce vapes into their value chain. HAYPP is beginning to sell vapes to UK and Germany, but it is at the very beginning stages and has no current significant impact on their bottom or top line. The company says the growth they are experiencing in this segment has been very similar to the growth that they experienced when they introduced Nicotine Pouches in growth markets. This is the most likely segment to get hit with regulatory concerns, so for now I won’t even consider this in a to be a profitable unit and will just assume it will be a small drain on EBITDA for the foreseeable future.
Balance Sheet
The balance sheet is great with no large debt burden and good working capital management. As they hit profitability this yeaearly next year I would expect a cash build up until the company decides if they will be returning cash to shareholders or reinvesting in the business.
Valuation
HAYPP is extremely undervalued based on where they are from a profitability standpoint and their current inflection point. Due to their high growth, it will be hard to pinpoint an exact value on them so this will merely be an exercise in estimating their value among a range more than usual (anyone who claims they can perfectly value a high growth company is probably overvaluing due to unsound conviction).
First let’s look at how they are currently valued, which is roughly 14x their core EBITDA. Now let’s take a second and think about how insane that statement was. Their core market is the Nordic countries which will be hitting growth again as their snus cannibalization slows, the Nordic countries basically have no further regulation risk for nicotine pouches, and it is a noncyclical industry. I would argue that 14x their core EBITDA is probably an appropriate valuation based on only their core segment.
What this means is (if you haven’t noticed already) that you are getting their “growth” segment for free based on the valuation of the stock. The growth segment alone is probably worth multiples of the current stock price due to the massive TAM and extreme growth prospects. If we assume the emerging segment is worthless (which it isn’t and it will be profitable at some point) then that means all of the upside in the stock can be based on what the value of the growth segment. Based on TAM, growth, and lack of cyclicality then this leaves the only risk as regulation.
There will most likely be some sort of regulation, but we are very far from that as the Tobacco industry has been very careful in how they implement their new nicotine pouch momentum in a more appropriate way compared to vapes. The most likely regulations will probably be flavor bans of some sort or retail bans (which further benefits HAYPP). Regulations will most likely be limited in scope due to just the sheer lack of mortality risk associated with pouches vs any other form of common nicotine intake.
Based on their probable conservative revenue growth (40% average for the next 3 years, and 15% after that), EBITDA growth, the fact that they will have both core and growth markets at high single digit EBITDA margins in 2025, and their lack of cyclicality, then I would estimate that their Growth markets are worth a very conservative $400m-$500m USD. I am likely undershooting the valuation because they are driving profitability very fast and their revenue is growing closer to 40%-60% in growth markets right now. If they are able to keep up current growth figures and expand to double digit margins before the end of the decade then they could be worth 2x-3x this value (which is why valuing growth companies are so hard, because I can’t foresee the future). Again, I valued the emerging segment as worthless which is unlikely as well.
So, based on the value of $450m USD for the growth markets and the current value of $240 USD for the Nordic markets, that would create a sum of the parts equal to roughly $700m or nearly triple the current share price. This valuation leaves a ton of room for margin expansion and higher growth prospects because let’s face it, the US alone is probably worth at least 3x-5x more than the Nordic countries not including the UK, Germany, or Swiss. This is a very conservative valuation for the company, but it shows how great the risk/reward is based on the current price. Using a conservative valuation here also helps accommodate for regulation risk.
In SEK terms this would be 250 SEK/share or 7.35B SEK.
Conclusion
Even accommodating for regulation risk, a valuation of $700m seems appropriate as a starting point for the valuation for HAYPP Group. I think there is a very high likelihood that I could be off on this by a large margin, but I feel like the downside is very protected with this valuation. Management has been great in execution and I expect that to continue. In a more bullish case where every segment of the company fires on all cylinders we could see a valuation of $1.5B+, but that is not a scenario that I would like to bet my investors’ money on. For now, I will stay invested and keep watching them execute and adjust my valuation accordingly.
Disclaimer: The author of this idea and his Fund have a position in securities discussed at the time of posting and may trade in and out of this position without informing the reader.
Opinions expressed herein by the author are not an investment recommendation and are not meant to be relied upon in investment decisions. The author is not acting in an investment adviser capacity. This is not an investment research report. The author's opinions expressed herein address only select aspects of potential investment in securities of the companies mentioned and cannot be a substitute for comprehensive investment analysis. Any analysis presented herein is illustrative in nature, limited in scope, based on an incomplete set of information, and has limitations to its accuracy. The author recommends that potential and existing investors conduct thorough investment research of their own, including detailed review of the companies' SEC and CSA filings, and consult a qualified investment adviser. The information upon which this material is based was obtained from sources believed to be reliable, but has not been independently verified. Therefore, the author cannot guarantee its accuracy. Any opinions or estimates constitute the author's best judgment as of the date of publication and are subject to change without notice. The author and funds the author advises may buy or sell shares without any further notice. This article may contain certain opinions and “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential,” “outlook,” “forecast,” “plan” and other similar terms. All such opinions and forward-looking statements are conditional and are subject to various factors, including, without limitation, general and local economic conditions, changing levels of competition within certain industries and markets, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors, any or all of which could cause actual results to differ materially from projected results.

I just came home from my backpacking trip to South East Asia on Sunday. I visited Thailand, Laos, Cambodia, Vietnam and the Philippines with two friends. We recorded EVERY. SINGLE. expense that we had and I have decided to compile my expenses for all of you to see :)
Please feel free to ask any questions, (unrelated ones as well), if you're wondering about what a specific thing cost I'm more than happy to check :)
Observe:

1. We travelled quite fast, which you might have been able to deduce from the number of countries we visited in just 3 months.
   
2. Our daily budget was approximately 30 USD a day (333 sek) where we were looking to spend a maximum of 10$ on hostels, 10$ on food and the remaining 10$ was saved for travel expenses.
   
3. We also had an activity budget of 500$.
   

Yes. We were strict with our budget. Was it hard to stick to it? No. Well. Except for the Philippines.
COSTS BEFORE THE START OF THE TRIP: 2269$

• Direct flight round trip ticket: 1154$ - (1 Checked in bag and 1 carry on)
• Insurance: 112$
• Vaccinations: 565$ (Hep A+B (2 doses), Tyfoid, Meningitis ACWY, Kolera)
• Equipment: 438$

Explanation of all categories:

• Food: Breakfast, lunch, dinner, snacks and non alcoholic drinks.
• Accomodation: Hostel cost.
• Transportation: Long and short form transport not related to any activity, Visas.
• Activities: Entrance fees, hired drivers, tours.
• Souvenirs: Post cards, paintings, clothes etc.
• Alcohol: Alcohol
• Misc: Anything not included in the categories above, laundry, toilet fees, bank fees.

Northern Thailand: 11 Days = 226.77$

• Food: 53$ (4.18$/day)
• Accomodation: 50$ (4.54$/night)
• Transportation: 40$ (Bus to Chiang Mai & Chiang Rai + buses and trains in BKK)
• Activities: 43.42$ (Temple Hopping and Cooking Class)
• Souvenirs: 16$
• Alcohol: 20.4$
• Misc: 3.95$

Laos: 10 Days = 332.93$

• Food: 54.14$ (5.4$/day)
• Accomodation: 52.65$ (5.2$/day)
• Transportation: 140$ (EVISA, 2 day boat to LP, bus to Vang Vieng, van to Vinetiane)
• Activities: 37.48$ (Lagoons, kayaking, tuktuk for a day, entrance fees)
• Souvenirs: 36.37$
• Alcohol: 10.70$
• Misc: 1.59$

Cambodia: 11 Days = 450.27$

• Food: 104.8$ (9.45$/day)
• Accomodation: 51.83$ (5.1$/night)
• Transportation: 196.36$ (VISA (big cost) 30h to Siem Reap, bus to Koh Rong, Phnom Penh)
• Activities: 64.76$ (Angkor Wat, killing fields, Tuol)
• Souvenirs: 22.61$
• Alcohol: 7.75$
• Misc: 2.16$

Vietnam: 21 Days = 643.1$

• Food: 134.21$ (6.1$/day)
• Accomodation: 76.81$ (3.5$/night)
• Transportation: 96.08$ (Van to HCMC, bus to Hoi An, Hanoi, Cat Ba, Hanoi)
• Activities: 281.53$ (Cooking class, food tour, Ha Giang, Ha Long Bay)
• Souvenirs: 28.3$
• Alcohol: 12.51$
• Misc: 13.96$

Philippines: 15 Days = 1002$

• Food: 98.67$ (6.57$/day)
• Accomodation: 123.73$ (8.2$/night)
• Transportation: 577.62$ (flights ;-; and the boats were expensive too)
• Activities: 164.62$ (3 scuba dives, snorkeling tours and island hopping)
• Souvenirs: 29.3$
• Alcohol: 0$ (did not feel safe enough to drink)
• Misc: 8.71$

Southern Thailand: 18 Days = 612.37

• Food: 146.7$ (8.15$/day)
• Accomodation: 142.68$ (7.92$/night)
• Transportation: 131.96$ (4 boats, 1 bus, vans, tuktuks n bolt)
• Activities: 49.69$ (ziplining, snorkeling tour, yoga)
• Souvenirs: 135$
• Alcohol: 4.07$ (150 b bucket)
• Misc: 2.27$

I also freaked the fuck out after a close encounter with a dog on Koh Rong and decided to get the rabies vaccine = +148$ (3 doses+doctors visit).
In total I spent approximately 3365$ in the 3 months we were travelling and 5634$ including all costs before the trip. This number would've been a LOT lower if we had skipped the Philippines, but you live and you learn. We were still mostly within our budget.
Again, please feel free to ask any questions :)

https://libcom.org/article/basic-book-syndicalism-some-tips-how-use-it
85 SEK or 7,7 US Dollars
Also free PDF and soon free EPUB.

So i work in a city far away from where i live, so to be able to game at night after work during my work weeks i googled around and found out about Cloud Gaming. Decided to try out GeForceNOW and i am So happy i did!
I buyed an old Chromebook(first thing i found on Facebook market that day) and a ok Samsung tv and tried it out. GeForceNOW is so good! Everyday i see ppl shitting on the service here on Reddit and i realy dont get it??? During my 6+ months using it i NEVER had any problems with it, Infact the first time i could not play my main game (Apex) was today, am i now suppost to say how shitty this service is and how i will cansel this shit and bla bla bla?
GeForceNOW lets me play almost all games that i would play at home on my 15k(SEK) Pc but now for 200SEK/Month on WIFI(!!) and shitty hardware with fast loading times, easy to use menu, No lag, great quality and even louds of games that i can play for free! Sure i feel the differens on MP fps games like Apex, but for what i pay for this service can i expect the same as my at home pc? Not really.
So i guess i just wanted to say i love this service! And cant for the life of me understand all the shit talkers that start crying about every little thing.

Hello there,
Aku lagi nyari temen online buat ngobrol sama sekalian kenalan lebih dekat. Aku orangnya kurang buat mulai percakapan duluan tapi aku suka denger cerita sama pengalaman dari orang lain, aku orangnya santai aja dan terbuka, ga terlalu banyak maen sosmed kayak Instagram, TikTok or Twitter, bebas mau online atau ketemuan langsung karena kalo ada temen ngobrol langsung apalagi yang sefrekuensi lebih kerasa ga ngebosenin sih haha, terus sedikit tambahan tentang aku sendiri.

• Sekarang lagi kuliah jurusan Informatika
• Lagi explor hal-hal yang berhubungan dengan Frontend Dev
• Suka dengan hal yang berhubungan dengan teknologi, pendidikan dan F1
• Hobi masak, ngegame (game-game casual/story)

M/F feel free to DM me, Thank You all ✌️

It’s next Wednesday 8th 7pm-10pm at Sek’end Sun in Astoria, for free!
(You don’t have to sing at all btw)

Hey! Next Wednesday 8th we’ll be doing karaoke at Sek’end Sun from 7pm-10pm, it’s free!!
(You don’t have to sing at all if you don’t feel like it)

Hi! Just wanted to invite all of you to Karaoke next Wednesday 8th, it’s for free! We’ll be at Sek’end Sun 7pm-10pm.
Thank you!

If i have 2000 sek fee free ATM withdrawls and take out 3000 will i get charged 1% on the sum above 2000 or on the whole sum of 3000? (10 vs 30 sek) ?