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Start Up Company "We Call For You!" Seeks Business Partners & Investors - Industry Specific Recruitment & Labour Hire Company (Concrete Construction)

Hello, I hope you and yours are well and in good health I appreciate you taking the time to read my post.
My name is Benjamin Harrod, I am 30 years of age with a back ground in concrete construction (10 Years) & Online Business Marketing (3 years).
I have successfully run and managed a business as a soletrader working in concrete construction on domestic, commercial & civil sites. I have worked on and completed an estimated 3,000 projects, at the highlight of my career I worked on multi-million dollar projects & homes including a 42 million dollar home in Toorak which at the time was Australias most expensive home. I was involved in building the biggest gym in the southern hemisphere, building infrastructure & upgrading Werribee poo farm, upgrading castlemaine meats factory "It's Don it's Good." Upgrading infrastructure in Springvale to reduce flooding. I poured and finished a houseslab extension for Rod Hadfield who owns the hot rod museum in castlemaine, yes he did give me a free tour of the museum after the Job was completed. My highest legal earning potential is $1,500 a day or around $100 per hour working on commercial sites, charging $500 a day working on Domestic sites.
• Factory Floors • Suspended Slabs • House Slabs (Sand Pad & Waffle Pod) • Tilt Slab Panels • Driveways, Footpaths & Cross Overs • Concrete Steps and Access Ramps • Curb, Channel, Pits & Drains • Retaining Walls • Concrete Footings & Trenches • Decrotive Concrete ( Exposed Aggregate & Coloured Concete ) • Concrete Cutting & Repairs • Concrete Sealing & Epoxy Coatings • Formwork & Boxing • Steelfixing & Cage Building
I was also one of three original founders of a successful digital marketing agency based in Port Melbourne where I worked as a business development manager for three years within my three years I signed up around 80-90 clients. The company (Search Marketing Group) specialised in profit driven digital marketing strategies for australian businesses, our core services were;
• Website Design, Hosting, Managment, Development & Optimiseation.
• Search Engine Optimiseation & Organic Ranking.
• Google Adwords Managment & Pay Per Click (PPC) Management.
• Social Media Management & Marketing (SMM).
• Online Reputation Managment.
• Lead Generation & Sales Conversions.
The experience I gained was invaluable, experience in which I would like to employ or apply to create a recruitment & labour hire company specific to the concrete construction industry. I have industry contacts with both business owners & employers as well as with concrete workers from competent leading hands to skilled labourers. I also have contact with sales reps from major batching plants.
I would like to actively seek out and head hunt concrete workers and sign them up to my recruitment & labour hire company, supplying them with steady work & above award or generous pay rates. I would also connect workers that signed up to our service with different courses to study as well as further ongoing training to help them develop new skills and gain accreditations, tickets and licences, increasing & improving their skill sets and employability. How I will differentiate from other employment services, recruitment & labour higher companies is I will invest time and energy to help employees gain new certificates, qualifications, tickets, training, skills & knowledge. I know when I was green or new to concreting no one spent the time to teach, people were expected to either just know what to do and what was going on or teach themselves. It is said concrete is a cutthroat industry & you have to be large to be in charge. I know all to well that the construction industry uses people up especially if you are not with a union and especially if you are young and new to the game, especially if you are a labourer. I figure employers don't spend the time to teach others as if they did then they would have to pay there employee's more and a little secrecy is good for business. I worked for Peter Klein of "Petes Creative" concreting for three years (He has since re-branded & change the companies name) Peter Klein agreed to a salary sacrifice and to put me on a skeleton wage, he was supposed to put away $200-$250 for each day I worked, helping me not only save money for myself but also pay for taxes & cover insurance... For three years I worked hard for him for $200 a day or $1000 a week thinking that he would be putting money aside for me as he had agreed to, I found out he was charging customers $45-$50 per hour for the time I was onsite, my previous employer to him paid me $500 a day on a domestic site or $50 a hour and $1,500 a day or $100 per hour on commercial sites. At the time I had an elite level of fitness and concete was my passion it never used to feel like work and I thought I could do it forever, I was ignorant and niave failing to realise my strength, worth, the value of my skillset and value of being reliable, morel of the story Peter Klein never did put money aside for me despite the fact I worked hard and was competent, I was productive & loyal, often his other employees would cease working when he wasn't on site and take the piss out of him, his company and the work many employees he had would be drunk drinking onsite or secretly in their cars, drug affected using drugs in their cars on the down low... Or as I said lazy ceasing work when Peter Klein had left the job site while I would want to get the job done continueing to work, One guy I worked with a number of times said "Not many people work like you anymore" - meaning often I was the hardest working person on site working for the least pay too I might mention, when others would walk while pushing wheelbarrows I would run many of the other employees disliked me as I would make them look bad or force them to work harder, Peter Klein once said that I or his exact words were "You Work Like a Nigger" meaning I worked hard and cheap, I worked like a physcopathic machine, I was a Work O Holic the first to arrive and the last to leave. I remember when I worked 14 hour days for a builder called warren hughes that on atleast two occasions after driving home from working a 14 hour day on the jobsite that I literally fell asleep parked in the driveway with the car still running only to wake up at 5am to my alarm clock car still running to drive back to the jobsite for work. Now days after spending too much time in the office & admitted to hospital concrete has become hard work and is an effort, I no longer have an elite level of fitness I once had and struggle to keep up and complete a full day. Some employers are slave drivers who want you to work the hard way and have unrealistic expectations as to an individuals capabilities and work load as well as the time it takes to complete a task. It is my dream to start a successful recruitment and labour hire company that not only invests time, money and energy into helping clients develope, grow and gain recognised skills and accreditations but also a company that protects workers from being used up or exploited especially younger people who don't know their self worth or value.
I am looking for potential business partners & investors who would like to be involved into building a morel & ethical company that cares about our clients & workforce.
I am also looking for builders & employers as well as skilled & experienced concrete workers & labourers to sign up and utilise oumy services.
I have registered the business name "We Call For You!" and I have been building & working on a website and potentially I have a silent investor who can invest up-to $40,000 dollars.
To anyone interested in getting involved please feel free to contact me either by phone or preferably by email;
Benjamin Harrod Email: [email protected] Mobile: +61412264327
We Call For You! Recruitment & Labour Hire
"Three easy steps to success - The Window, The Wall, The Chair."
submitted by Bennyiam to Business_Ideas [link] [comments]

The steady bloom of Australia's canna-biz

https://www.afr.com/companies/healthcare-and-fitness/the-steady-bloom-of-australia-s-canna-biz-20201217-p56oe3

What I find interesting is that the current government seems amenable to progressing medical cannabis in this country, something previously it was assumed only the ALP would be. For example Greg Hunt accepting all of the 26 reform recommendations.

___________________________________________________________________________________________
The steady bloom of Australia's canna-biz
Amid the pandemic the medicinal marijuana industry is approaching maturation, as bankers and regulators cautiously take a toke.
Cannabis plants being cultivated by the Cann Group, which is setting up to be a biotech player with scale.
Aleks Vickovich and Carrie LaFrenz
Dec 29, 2020 – 12.00am
When Rich Lister Barry Lambert and his family gave $33.7 million to the University of Sydney to fund research into medicinal cannabis in June 2015, he liked the idea he was helping to break a taboo.
The retired accountant – who sold his business Count Financial to the Commonwealth Bank for more than $373 million and reportedly had never smoked a joint before becoming the plant's most notable (if unlikely) advocate – hoped the record donation would help more people like his four-year-old epileptic granddaughter, Katelyn.
Five years later, there are 600,000 Australians using marijuana for medical purposes, according to the Australian Institute of Health and Welfare.
Granted, that is still a fraction of the 1.9 million who used the substance for non-medical purposes. Plus, of those using for medical reasons, just 3.9 per cent obtained it via a doctor’s prescription.
But nonetheless, the number is something of an achievement given the industry’s long and arduous path to legality, says Rhys Cohen, a self-described “cannabis nerd” and former project officer at the Lambert Initiative for Cannabinoid Therapeutics, which was made possible by the donation.
Analysing the AIWA data and other sources, Cohen estimates there were about 15,000 patients using prescribed cannabis at the beginning of 2020. That number is now probably at about 30,000 and is likely to double again in the year ahead, he anticipates.
“That is the primary metric by which you would judge the success of a product sector – how many people buy the product,” he says. “And it’s still the primary source of revenue.”
But rapidly rising (if still nascent) patient usage is just one milestone for the cannabis industry in its quest to achieve acceptance.
It has also began to secure real finance, not just from wealthy individuals like the Lamberts with an emotional tie to the product, but the conservative risk-conscious stalwarts of Australia’s financial system.
Budding bankers
In March, before it had even been granted licences to cultivate and research cannabis from the Office of Drug Control, early stage cannabinoid pharmaceutical company CannaPacific quietly secured a $3.5 million debt facility from Westpac.
Rich Lister Barry Lambert, pictured with granddaughter Katelyn, donated $33.7 billion to medicinal cannabis research. Louie Douvis
Chris Gilmour is a relationship director in Westpac’s commercial business, where he looks after debt funding for large companies before they join the institutional side.
He says the bank is looking to grow its exposure in the space with the right kind of companies.
“All my customers are health related, so we see this as a healthcare play, not agricultural play,” he says. “We can really see the benefits. We not only provide debt funding but also transactional risk products to other customers as well.”
About four years ago, Westpac initially got exposure to the medical cannabis sector, with Gilmour revealing that Westpac’s executive team signed off on the progression in to this industry.
“Watch this space over the next five years. If it keeps growing at 600 to 700 per cent, it is going to be enormous in five years.“
Westpac is not the only big bank now dabbling with cannabis.
National Australia Bank in November provided a $50 million credit facility to ASX-listed Cann Group, the first company to be issued with a cannabis research licence by the Office of Drug Control (ODC) in 2017, as well as a cultivation licence.
Melbourne-based Cann Group will use these funds to continue building a large-scale production facility in Mildura, Victoria, with its with first stage capable of producing 12,500 kilograms of dry flower per annum.
Cann Group chief executive Peter Crock says the licensing regime for cannabis needs improvement.
This new site will add to its two cultivation facilities in suburban Melbourne, already capable of producing 1200 kilograms of dry flower per annum. It has completed more than 70 harvests at the existing facilities.
Chief executive Peter Crock says the debt funding from NAB is positive, given there are few tier-one banks globally willing to play in the medical cannabis space.
“Because of the US banking position, it does have an impact around the world, even to where some of the trading houses decided to step away from medicinal cannabis because there were concerns about some moving into recreational [use], which would not be acceptable to certain jurisdictions,” he says.
Despite the progressive moves of many US states to legalise or decriminalise recreational and medicinal use of cannabis, it remains prohibited at the federal level, hindering the finance industry's ability to provide services. It has also kept the US-domiciled Big Pharma companies at bay, providing a gap for specialist players to emerge around the globe.
Crock explains that Cann Group is not setting up to be a commodity cannabis producer. Instead, it’s a biotech play with scale, allowing it to take plant genomics capability into a highly controlled environment to produce a specialised medicine.
“We are going to be fully integrated – producing precision medicine – that happens to be plant-based starting material,” he says.
Cann Group – along with other players – is hoping to capitalise on the mainstreaming of the medical cannabis industry, which is tipped to reach a value of $US1.2 billion ($1.7 billion) in Australia by 2024.
Canada is the most advanced medical cannabis market in the world, having been at it for nearly 20 years.
Medical conditions where cannabinoids, or CBD, are used mostly relate to pain management. CBD can be obtained through an authorised prescriber or the Special Access Scheme in Australia.
Crock, who is chair of the peak body Medical Cannabis Industry Australia, says Australia is not so far beyond in terms of public acceptance, and those who wish to have access to medical cannabis, but regulation needs to catch up.
"The regulatory approach taken here has been conservative,” he says."It’s been a very bureaucratic and difficult process, often taking doctors over a half an hour for an initial consultation to prescribe medical cannabis, while other drugs take just minutes online. Having said that, there are clearly some interested doctors and it’s expanding."
Crock adds that the Special Access Scheme is actually “forward thinking by the government", although it has been “clunky”.
Seeds of reform
That same description has been applied by multiple players to the licensing front as well, with the ODC inundated with requests from would-be cannabis cultivators and researchers.
Unless a group is operating under a licence, growing pot for any use is illegal in Australia. It is considered an illicit substance, along with harder drugs like heroin and cocaine.
This classification restricts the research that is possible in universities.
“We have to tidy this up in Australia and make it more efficient, but at this stage, if it's not being produced under a ODC licence, it’s a jailable offence," says Crock, a 30-year veteran of ASX-listed chemical company Nufarm.
“So a university was told they couldn’t have more than 200 grams of cannabis, which is crazy because if you are going to be analysing and doing lab samples, there are all sorts of things they have to put in place."
For Rhys Cohen, Australia's "inefficient management of licences and permits" has been the primary reason why the majority of companies involved in the market have been focused on importing product grown abroad.
But he says that is starting to change.
A review of the medicinal cannabis amendments to the Narcotics Act by legal academic Professor John McMillan was tabled in September last year. It made 26 recommendations for reform, many of which were aimed at improving inefficiencies in the licensing process. Federal health minister Greg Hunt has accepted all 26.
Another milestone came in mid-December this year, as the Therapeutic Goods Administration (TGA) rescheduled CBD, downgrading it from Schedule 4 to 3, which enables greater access to patients, with products directly available at pharmacies. The ruling will allow CBD containing products with up to 150 milligrams per day. Products will be available for adults, and will not need a prescription.
And just before Christmas, the Department of Health, which has been increasingly supportive of the burgeoning cannabis industry, initiated a consultation looking more broadly at the rules governing manufacture, labelling and packaging of medicinal cannabis.
Cannabis isn’t interesting because it's the new kid on the block. It's interesting because of what it might be able to do for people.
— Rhys Cohen, former project officer, Lambert Initiative for Cannabinoid Therapeutics
Cohen says the scope of the consultation was wider than expected and has the potential to "transform the sector, most likely to the benefit of local cultivators and manufacturers".
Though he has been an outspoken critic of Australia's over-zealous regulation of the industry in its early stages, Cohen says in hindsight it has been a prudent approach.
"We weren’t able to become victims of our own over-enthusiasm," he says, pointing to markets like Canada, where over-enthusiasm about liberalisation of the rules governing cannabis inflated the valuations of many listed companies such as Aurora Group, triggering major asset writedowns and lay-offs in late 2019 and early 2020, as well as the sale of its 12 per cent stake in Cann Group.
'Recreational pivot'
Given the steady flow of incremental milestones, and warmer tones from regulators and politicians, Australia's ambitious cannabis companies are positioning themselves for a more liberal regime.
Tommy Huppert, an economist turned CEO of cannabis company CannaTrek, says the prospect of an entirely local supply chain "from seed to patient" is exciting after years of importing product from overseas.
CannaTrek has raised more than $1.6 million from individual investors to bankroll the build of a major greenhouse in Shepparton in Victoria, which is due to commence early in 2021.
Emily Rigby and Tommy Huppert of CannaTrek want to list on the ASX within two years.
Huppert's ambition goes beyond the growing number of Australian patients using cannabis and doctors willing to prescribe it.
He hopes to be part of a lucrative new push to export Australian cannabis overseas, with dreams of an ASX listing over the next two years off the back of the strategic pivot.
CannaPacific chairman Peter Gunning is also eyeing new revenue streams.
"We are also seeing interest from other industry players who want us to provide cultivation and research services for them now that we are able to do that," he says.
The company in December announced the start of its pre-clinical trials at the University of Newcastle relating to the development of its cannabinoid medicines for palliative care pain.
In addition to the Westpac facility, and a long-term loan from the Rural Assistance Authority, it has $7.5 million from wealthy families including the Libermans, Smorgons and Waislitzs. The capital injections will allow CannaPacific to complete the remaining capital works required at its 18-hectare site outside Byron Bay.
Others are starting to jockey for a potential recreational market on the horizon, buoyed by the arguable success of cannabis industries in US states such as Colorado and California and the tantalising prospect that President-elect Joe Biden's administration may end the federal prohibition.
"There are some players setting up for the recreational pivot down the track … but that will not help the development of the medical market,” says Crock.
Much of the voting public is still concerned about the perception of medicinal marijuana as a "Trojan horse" to legal recreational use or decriminalisation of harder drugs, he says.
Cohen agrees some companies are salivating at the prospect of a recreational market opening up in the near or distant future, given the considerably larger portion of the community using marijuana for non-medical purposes.
"It would be commercially remiss not to at least keep on eye on new markets for your product," says the consultant, who does not hold shares in cannabis companies in order to maintain his integrity as a market analyst and expert.
But he says for many others the end game is not a thriving recreational market where pot smokers can purchase the product with ease on shop corners around Australia.
Rather, it is the increasing acceptance of the therapeutic properties of cannabis by doctors and governments, with the holy grail eventual inclusion in the Pharmaceutical Benefits Scheme, subsidising the cost for patients.
"That's where the real money is," he says.
From his perspective, the industry would be wise to continue to present its medical bona fides, having worked so hard to establish them.
“Relieving pain and suffering is the main thing," Cohen says. “Cannabis isn’t interesting because it's the new kid on the block. It's interesting because of what it might be able to do for people.”
Music to Barry Lambert's ears.
submitted by blacklagoon7 to MedicalCannabisAus [link] [comments]

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Slots remain one of the most popular game categories in online casinos, so it should come as no surprise that the operator has scores of slots on show. Rizk Casino games run the gamut from classic slot titles to newer variants, like the frightfully Hitchcockian Psycho, themed around the classic horror film of the same name. One of the site’s current rising stars is the Phantom’s Curse, another property of Universal’s, featuring the iconic Phantom of the Opera. If you’re not keen on a side of spookiness with your slots, you can always opt for the more light-hearted Secret Romance. All in all, players can expect to find over 500 slots to choose from, catering to every conceivable taste.
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If you visit Rizk Casino online, you’ll find its live games are powered by not one, but two industry heavyweights – NetEnt and Evolution Gaming. Both developers pride themselves in providing crystal-clear streams and charming dealers, giving you the best online casino experience possible. In Rizk’s live casino lobbies you can take your pick from a host of different tables, game variations, and dealers, ensuring that every player can find a game that suits their needs. Play against other players, or against the casino itself in games like Caribbean Stud Poker.

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Now that I’ve given you the low-down on the game selection, it’s time to take a look at Rizk Casino’s betting limits. After all, what good is a game selection if you can’t place bets based on your budget? Whether you’re a high-roller or looking to take fewer rizks with your bank balance, you’re likely to be satisfied with Rizk’s limits. As you might expect, limits differ from game to game. Minimum bets on the slot games range from 1p to £1.50. Maximum slot bets range anywhere from 25p to a whopping £1,500.
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If you’re a seasoned player, you’re probably already well-versed in the importance of RTPs, or “return to player” rates. For those of you just starting out, this refers to the percentage of money paid out by the casino to players over time. In the simplest terms, the higher the RTP percentage, the higher your chances of winning. For example, slot games usually have an RTP of 90-98%. That’s why it’s always a good idea to get a feel of a game’s RTP to get the most out of your gaming experience. Due to the volume of games in certain categories, RTPs are typically presented in averages ranging between different percentages. If you want to check the individual RTP of any particular game, you can do so in the “How to Play” instructions.
Like any other casino review, this review simply wouldn’t be complete without an overview of Rizk Casino payout rates. Thanks to the fact that the establishment is still fairly young, its RTPs are pretty competitive. This helps it to attract new players, and is ultimately good news for you, the player.
Generally, the payout rates for games like roulette and blackjack are better than those for slots, though Rizk Casino payout rates differ slightly from the norm. The casino’s video slots boast an RTP range of between 96.5% and 99.6%. Rizk’s roulette games, on the other hand, offer an RTP range of 94.5% to 97.3%, meaning that in this rare instance video slots could give you a better payout than a game of roulette. The best payout rates at Rizk, however, are in its blackjack games with a payout range of 99.4% to 99.5%.

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In the interests of leaving no stone unturned in this review, I made sure to give the website a thorough look. With that in mind, I wanted to spare a moment to discuss Rizk Casino software. At first glance, the site is laid out super cleanly. Super being the operative word, as it’s here that you’re likely to become quickly acquainted with the operator’s mascot, the spandex-clad superhero Captain Rizk. The superhero theme continues throughout the descriptions of all Rizk Casino games, which often include fun references to the Captain and his faithful sidekick, Lucky the Superdog. This attention to detail, paired with the easy-to-navigate layout of the casino, makes a welcome change from other online casinos that can often present their games in a way that’s confusing and overwhelming to new players.
All titles are grouped neatly into categories on the homepage. This includes a category for recent arrivals, so you never have to look far for fresh new games to play. Sadly, Rizk Casino is restricted in a long list of countries, most notably the United States and Australia. If you’re lucky enough to be living in the UK, you have the option to play in any of the following languages: German, Swedish, Norwegian, and Finnish.
As mentioned previously in this review, Rizk Casino’s live games are powered by NetEnt and Evolution Gaming, and this commitment to high calibre developers is evident throughout the casino. Its other games come courtesy of such big names as Play’n GO, Scientific Games, and Microgaming, all of whom have made their marks as some of the best developers in online gaming today. Though it may be young, Rizk Casino’s software is on par with that of older, more established casinos online, marking it as a true contender.
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An Overview of Rizk Casino’s History

As I’ve already mentioned in this Rizk Casino review, Rizk are a fairly recent addition to the world of online casinos. Since its founding in 2016, it has been operated by MT SecureTrade Ltd, part of the Gaming Innovation Group. The Gaming Innovation Group holds the honour of being one of the largest iGaming product suppliers in Northern Europe and has offices across 35 different countries.

Notable Facts About the Casino

As part of the MT SecureTrade family, Rizk Casino is a sister company of Guts Casino and Betspin. Not bad company to be in, considering Guts took home the 2014 award for Best Casino at the Casinomeister awards. Success obviously runs in the family, as Rizk nabbed both the Best New Casino and Best Player Experience awards at the 2016 Casinomeister awards. It followed this success by racking up nominations at 2017’s EGR Nordic Awards, including Best Casino Operator and Socially Responsible Operator. Its rapid rise to popularity and critical claim stands as testament to the quality of the products and services it provides to its user base.

How Does Rizk’s Customer Support Measure Up?

No casino is ever totally perfect, so if ever you have complaints or queries it’s important that you can contact customer support quickly and effectively. For the most part, the site’s customer support is pretty strong. You can contact Rizk Casino online via a live chat option, which can be found alongside the casino’s main categories. You also have the option to contact customer support via email. Support is offered through all of the languages currently available on Rizk too, so nothing is likely to be lost in translation. One area where Rizk’s customer service could stand to improve, however, is through the addition of a customer service phone number. For those of you who prefer to solve issues over the phone, or simply desire the reassurance of a human voice to guide you through your query, Rizk’s lack of phone support might come as a bit of a disappointment.

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In this Rizk Casino review I’ve touched on the game selection, RTPs, and customer support, all of which are important elements to consider when looking at a casino. However, arguably the most important aspect of any operator is its safety and security measures. Ensuring that the casinos you visit hold valid licences should always be your highest priority. All information on a casino’s licences should be readily available on its website. The company holds licences from both the Malta Gaming Authority and the United Kingdom Gambling Commission. Both regulatory bodies are known for their strict standards, and a licence from the UKGC is a requisite for any casino operating in the UK.
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When it comes to special games, the site earns full marks thanks to its comprehensive array of slots and frequent new additions. Beyond welcome bonuses, Rizk is a casino that really rewards loyalty. Rather than relying on a VIP club which charges for exclusive membership, Rizk Casino rewards its returning players with more chances at the Wheel of Rizk. The wheel effectively gamifies the entire site, allowing the player to rack up more opportunities to win big the more they play.

Bottom Line – A Worthwhile Up-And-Coming Casino

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Quarter 3 2020 – Net worth up 4.3%, 92.8% savings rate

Quarter 3 2020 – Net worth up 4.3%, 92.8% savings rate
TLDR; One of those journey posts. Net worth above pre-crash highs; savings rate good, dividends slashed.

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Quarter 3 2020 – Net worth update: Up $103,000

After last quarter’s incredible reversal in fortunes, this last quarter has seemed positively sedate. There have been a few bouncy days here and there on the markets, but no definitive trends upwards or downwards (though I’m sure some chartists would disagree).
Instead, the whole world is waiting with bated breath for news of a vaccine or treatment that puts coronavirus to bed.
I was actually quite shocked at how well the Australian share market held up overall during reporting season. There were some winners, but most results were pretty weak-to-dire. And while you can argue that the market had already baked-in the results in the prices, who can honestly say with a straight face that August/September 2020 had the same outlook as January 2019? Sorry, I digress.
While world governments seem to be still grappling with the health aspects of coronavirus, imminent economic collapse seems to have been averted. I’ll have some more thoughts on possible ramifications from what has already happened later in the month though.
On the balance of things, I’m still quite pessimistic about the shape of domestic and international recovery. A vaccine is still a while away from being approved, let alone rolled out to the masses (mid-to-late 2021 before us plebs get access?). Government debt globally has skyrocketed. And in the personal finance space in Australia at least, the continued scaling back and eventual demise of JobKeeper payments will be one to watch. At stake is only the local economy, house prices, job security, and the state of the ASX.
At least Brexit seems to be going well. Oh, wait. And who knows what’ll happen next month in the American election now that the President has taken a turn. But it won’t be boring regardless of what happens. 2020 keeps on giving.
So with another three months in the record books, how has our net worth fared for Q3 2020?

Our financial goals

Before going further, here’s a reminder to our current early retirement goals. We’re looking to retire early before the age of 45 (and we’re currently 35 and 36) with a pre-tax FatFIRE passive income of $150,000 a year. Our net worth target is comprised of the following assets:
  • $2,000,000 in shares
  • $600,000 in two investment properties
  • $700,000 in superannuation
  • $1 million primarily place of residence
  • Total asset goal = $4,300,000.
You can track our net worth in our previous posts.

July-September: Shares

In personal news, we dipped our toes into the ETF waters for the first time. We made purchases of $15,000 and $20,000 for a pair of internationally-focussed passively managed funds that have a dividend focus. They were both trading at around a 20% discount to their pre-crash highs, so hopefully they’ll be a good long term investment.
Next week I’m writing an article about how domestic shares can have an often unacknowledged level of international market exposure. However, our portfolio hasn’t got sufficient international exposure from that alone give us diversification. So it was time to branch out with some international-only holdings. In fact, about 80% of our remaining share investments will be in funds with an international focus.
That said, we’re not entirely out of the domestic share market investment game. We also took up a Retail Entitlement Offer for one of our smaller share holdings. But that only came to just under $1,000.
After starting the quarter with $1,044,000 in our share portfolio, how did it end?
On 30 September, we had a share portfolio worth $1,091,000 – up $47,000 or 4.5% on Q2. As part of that, in addition to the $36,000 in share purchases mentioned above, we also received dividends – some of which were reinvested.
However, you’ll need to wait for our upcoming Q3 income and expenses report to see what our dividend income came to. Spoiler alert though: it’s not pretty.
All in all though, it wasn’t a bad result, given the ASX200 finished the quarter down around 1.4%. Far better than the devastation we saw back in January-March at least.

July-September: Superannuation

As mentioned above, the local markets finished slightly down for the quarter. So how did our superannuation fare?
Well, we started Q3 on $423,000 and ended with $447,000 – an increase of $24,000 or 5.6%.
Only about a quarter of that is from employer contributions – as we’re not making extra contributions to our superannuation. So that’s great outperformance! Even more impressively, that’s more than the $428,000 that we started the year on before it hit the fan in February.
Given that superannuation is a bit of a black box, it’s hard to tell why it outperformed so much. But I know that a large chunk of my personal super is in international shares, so maybe that explains it.
So while our share performance hasn’t been anything terrific, at least superannuation is turning up to the party.

July-September: Primary place of residence

Property prices have been surprisingly resilient amid the damaged economy. We’re still seeing properties in our area going on sale. How many are forced? Who knows. But prices don’t seem to be falling – yet anyway – in our area. In fact, apparently Brisbane house prices went up 0.5% in September – crazy!
But what do our go-to property sites have to say about our house price?
Well, Onthehouse.com.au prices it at $775,000 – identical to both Q1 and Q2. Conversely, an ANZ property report said our house is worth $711,000 (down $2,000 on Q2, but up $40,000 on Q1).
Like in the past, using a rule of not moving the price unless we have a pair of sources agreeing on a price move in the same direction, we’ll keep the house price at $655,000.
We still think prices in the $700,000s are too much, but would gladly take it when it comes time to sell.
In terms of calculating our net worth, our mortgage is fully paid off in regards to having money in an offset account. So the full capital value is ours in that ledger.

July-September: Investment properties

With our PPoR maintaining its value, what about our two investment properties?
Last quarter they rose back to where they were in Q1, and the story was much the same in Q3:
  • Onthehouse.com.au – combined value $700,000 ($700,000 in Q2 2020).
  • ANZ – combined value $616,000 ($617,000 in Q2 2020).
With the ANZ property report coming down just a fraction and Onthehouse.com.au holding firm, we’ll keep the combined values at $605,000.
Unlike our home, these properties do have mortgages on them with money owing. We started the quarter owing $369,000, but that dropped to $367,000 over the three months.
That gives us total equity of $238,000, an increase of $2,000 or 0.8%.
Also stay tuned for a series of articles on our investment properties starting in the next month or so. We’re going to be talking about the finances behind them in greater detail for the first time.

Financial state of the union

We finished Q2 2020 with a net worth of $2,358,000. Here’s how things look three months later after Q3 2020:
Asset Value
Shares $1,091,000
Superannuation $477,000
Investment properties value $605,000
Investment properties debt -$367,000
Primary place of residence $655,000
Total $2,461,000
We landed on $2,461,000, an increase of $103,000 or 4.3%.
Like our superannuation, that’s actually a small increase now on the numbers we saw at the end of 2019 that was our previous all-time high.
While it’s good to actually be making some level of progress at last, it just makes me feel a bit like 2020 has been a bit of a waste. All that work and saving for practically nothing. But, that’s a first world privileged problem to have at the moment.
All in all, a good quarter on the net worth front. Next up we’ll have our Q3 income and expenses report. Sadly, the news there – particularly for our vital dividend income – is much, much worse.
BLOG POST LINK: https://hishermoneyguide.com/quarter-3-2020-net-worth-update/

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Q3 2020 income and expenses: 92.8% savings rate

Life has slowed in the HHMG household. We’re not locked down like we were in April-May, but we’re still keeping socially distant, and minimising going out and about. With vulnerable parents, our actions don’t only risk impacting ourselves. However, it’s terrific to see the reduction in coronavirus cases in Australia over the past few months. Fingers tightly crossed we don’t see another large outbreak like the one that occurred in Victoria.
That said, the individual days go by quickly enough. It’s nice being able to watch TV over lunch, for instance. And you can’t beat regular cat hugs.
However, with an office only 10 steps away from bed, things are kind of all merging into one. It’s a bit disconcerting that this working from home, Covid-normal has now been in our lives for over six months.
The best news of all is that 2020 is 75% done. We can’t wait to see the back of it. Surely 2021 can’t be any worse?
But while the year has been memorable for practically all the wrong reasons, what about our finances? If you saw our Q3 net worth update, you would have seen that we recovered to our pre-crash highs. Sadly though, the news is less good in this update.

July-September: Income and side hustles

In good news, my wife Ellie managed to score herself a minor pay rise from mid-year, bringing in almost $80 a week extra after tax. It’s not a huge amount, but it’s better than what I achieved: triple doughnuts or $0.00, with a pay freeze until next year. Frankly in this economic climate, any increase is a minor miracle, so great work Ellie!
Currently neither of our jobs are under imminent threat. But from next year onwards, we’re both quite worried that we’ll be under the termination microscope. I’m desperately trying to cling on long enough to achieve long service leave in early 2021 to give us a bit more of a monetary buffer if I was retrenched and needed to find a new job in a dire jobs market. Ellie has already reached long service (once again beating my efforts).
We’re also currently trying to max-out our annual leave balances as much as possible to use them as an alternative bank account in case we lose our jobs. It just seems prudent in the current environment.
However, let’s talk money. For our salaries, we had six pay cycles in Q3 – one down on Q2. In total our salaries earned us $38,062 after tax for the quarter. That’s a small increase of $936 or 2.5% on last year.
Coronavirus continues to impact our bottle collection efforts for this year. We managed to make one trip during the quarter, collecting $83.40. We’re only picking up a few here and there these days, with most coming from our parents. That’s well down on the $235 we had this time last year. The blog itself earned $249.89, entirely from Google Adsense payments from ads displayed and clicked.
After seeing our income from online surveys increasing, Ellie also published an article during the quarter on what online surveys are and which ones we use. True to form, our income from them for the quarter hit a new high of $460. That’s an increase of $175 on this time last year. Q4 is already shaping up well on that front as well.
Our side hustles amounted to $793.29 for the quarter, giving us a total active income of $38,855.29 between July and September. That compares to $37,765 last year – an increase of $1,090.29 or 2.9%.
And that, folks, is about as good as the news today is going to get.

July-September: Dividends

Time to take a deep breath.
Okay, that was more like an apprehensive wince.
Q3 is usually an important quarter for our dividends – the biggest of the year when many stocks provide final distributions. Naturally, this year is like no other that we’ve experienced. So let’s see what the damage is while comparing the previous two years:
Q3 2018 Q3 2019 Q3 2020
DRP/DSSP reinvested/Direct debit, excluding franking credits $15,465.78 $16,439.23 $10,218.59
Ouch.
A total of $10,218.59 for July-September represents a dividend reduction of $6,220.64 or 37.8%.
That’s not good. Like we’ve said before, our goal is for share dividends to make up the bulk of our early retirement income. So losing well over a third of that is… bad.
While our Q3 2020 net wealth rose above pre-crash levels, clearly this is an area we’ve gone backwards in.
Our high exposure to the banks is really our biggest undoing here. Thankfully over the last two years we’ve been investing heavily away from them, knowing it was potentially a fatal flaw. In this instance, it has proven to be the case with one hell of a stress test.
Instead we’ve recently been investing in Listed Investment Companies, and only during this last quarter did we buy our first ETFs. On the LIC front, things are actually quite encouraging. These quarterly dividends only reflect three out of six LIC dividends we’re receiving in this half of the year. All of our LIC holdings have now announced dividends, and the biggest cut to dividends was “only” *cough* by about a third, while a couple have actually increased their dividends. So at least the strategy to invest in LICs for their ability to smooth dividends seems to be paying, well, dividends.
All in all, pretty sobering results, but we’re not too depressed yet. We’ve previously discussed that we always expected there to be some lean years once we hit early retirement, and 2020/21 is looking to be a prototype of that.
In retirement, as long as we’ve got enough income coming in to cover our basic living expenses (which will be larger than they currently are), we’ll still have a great life – with the ability to cut back further if required.
In addition to dividends, once we FIRE we’ll also have some rental property income coming in. As telegraphed in our earlier Q3 net worth update, we’re providing an update on these properties in the coming month or two to give a better idea of how things stand there. So a bad result with dividends alone won’t necessarily sink our early retirement hopes either.
That said, from the dividends that have been announced it looks like Q4 will be a little brighter than the drubbing we just experienced. However, one thing that’s certain is that dividends won’t rebound overnight. The second half of this financial year will be very interesting.
\The numbers listed above are ‘somewhat net’ – for the purposes of calculating our savings rate. It includes franked and unfranked dividends – but not* franking credits (which are essentially pre-paid tax credits). For the unfranked dividends (and a small additional 7% portion of the franked dividends due to our marginal tax rates), we pay additional tax towards the end of the calendar year. For reference, we received an additional $3,409.69 in franking credits for the period – giving us a total of $13,628.28 in gross dividends for the quarter.\*

July-September: Expenses

Let’s take a look at our expenses for Q3 2020, with a comparison to Q3 2019:
[EXPENSE CHART IN BLOG POST]
In total we spent $3,528.22 for the quarter, compared to $4,272.89 last year – a decrease of $744.67 or 17.4%. While at face value that should be lauded, in reality our car service (Q3 last year) was pushed forward a month this year (to Q2). So really our spending is roughly flat, which we’re still happy about. That said, there are a few stories behind the numbers worth mentioning.
Our electricity usage went up 28.3% due to working from home. However, our bill was only 19% more expensive thanks to a government relief payment for households due to coronavirus. But with 13.4kWh per day consumption, it’s indicative of what sort of daily usage we’d have in retirement if we were home all day. It adds up having extra TV time over lunch, the microwave and kettle running a few times extra a day, and a couple of computers running non-stop when they previously weren’t. In other news, we’re swapping electricity retailers in October to what should be a slightly cheaper plan. We’ll see how things change next quarter.
Speaking about working from home, both Ellie and I will be claiming the Australian Taxation Office’s shortcut method to claim $0.80 per worker, per hour worked from home between 1 March and 30 June when we lodge our tax returns in Q4 to get some of those extra expenses back! Though look into your tax options to work out what works best for you.
We also started the process of swapping internet plans to the NBN (long story – we’re still not on it and won’t be for a while – more details in Q4). We were only a couple of months short of getting kicked off ADSL, so it was forced on us. The best plan we could find was $55 a month compared to the $50 we have been spending. With extra working from home we felt we really couldn’t do with the most basic of plans available. It also meant we needed to buy a pair of WiFi dongles to go with a new (free) modem. Our existing modem just used good old RJ45 ethernet cables, but because of the location of the NBN outlet we needed to go with WiFi.
Continuing the IT theme, Ellie’s computer also died during the quarter. In the end we bought a refurbished one from eBay for $109, which wasn’t bad at all. It was a mild gamble buying it, but so far it has paid off and she’s happy with it. The event also inspired the article on how we can’t avoid some expenses forever.
My driver’s licence renewal also arrived, so that was an extra expense compared to last year – almost $350 for the year so far with Ellie’s also coming up at the start of the year. At the same time though, the savings in fuel costs compared to this time last year more than make up for the licence fees.
In total, if you take out our New Zealand holiday from the start of the year, our expenses for the year-to-date are very similar to last year’s at this stage – $12,083.81 compared to $12,710.74 in 2019. (If you offset us being away for a couple of weeks in February, our expenses would be a few hundred dollars higher. The more things change, the more they stay the same.)

How are we tracking? Q3 savings rate

As always, let’s throw it all together to work out our savings rate:
Q3 Value
Income $38,855.29
Share dividends $10,218.59
Expenses -$3,528.22
Total savings $45,545.66
Savings rate 92.8%
With total savings of $45,545.66 for the quarter, that’s a 92.8% savings rate.
It’s a good result, though tempered by the reduction in dividends. Regardless, we’re fundamentally in a good place at a horrible time. We’ve been incredibly fortunate to date, and it’s not something we want to take for granted. Our own job security is slowly coming on the line, so we need to make the most of the opportunity we still have for as long as we have it.
Looking ahead to Q4, just like last year our tax bill is now a looming issue. We haven’t lodged our tax assessments yet, but we have calculated them. We anticipate that our tax will be will higher than last year. So that’ll be one giant savings rate killer in Q4.
Even if we hadn’t gone on holidays at the start of the year, and still achieved fractionally small savings during year-to-date thanks to coronavirus, we’d struggle to hit a 90% savings rate for the entire year. It would be possible, but highly unlikely. However, a bigger tax bill will put the final nail in that coffin.
Of course, some of the biggest economic news of the year hit this week after Q3 ended, with the delayed 2020 Federal Budget finally breaking cover. It looks like we’ll be about $4,000 a year better off (too late for 2019-20 and our upcoming bill, though!). But we’ll have to wait and see how things go with backdated tax cuts and the passing of the legislation. Regardless, we hope you’ll get a nice benefit from the tax cuts yourself if you’re an Australian.
2020 has been one heck of a rocky ride so far. Hopefully the end of the year brings some positively and signs of a return to normality. Unfortunately, I think that even once we get past the virus with a vaccine (and that’s really still an if) we’ll have a bit more instability ahead of us as a result of economic and budgetary damage that’s already happened. But before then, we still need to make it through the final three months of 2020. Gulp.
Until we meet again, we hope you stay safe and secure.
Cheers,
Alex
BLOG POST LINK: https://hishermoneyguide.com/quarter-3-2020-income-and-expenses/
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EmuCasino 50 free spins no deposit bonus for Canada

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Even though the name and all the other visual clues strongly suggested these guys have strong ties to Australia, there were some radical changes that took place at the beginning of 2020.
It may come off as a bit strange to name a casino after the emu bird at first, but despite the obvious geographical connections, this peculiar animal is actually deprived of its ability to move backward and it can endure the most extreme conditions and situations, so there’s even more symbolism right there.
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Indefinite travel: 125 items, 24L, <8kg (CPL24 loadout follow-up packing list)

Indefinite travel: 125 items, 24L, <8kg (CPL24 loadout follow-up packing list)
This is a follow-up to my Evergoods CPL24 indefinite travel loadout. Thought I'd jot down a quick packing list for anyone interested.
Notes:
  • This list is designed to take me down to freezing temps.
  • There are a few items on this list that I don't own yet, but they have still been factored into what I will be able to fit in the bag.
  • This is 125 unique items (e.g. 5 band-aids count as 1 item)

Total weighed weight (bag + sling) is almost 8kg. I'd like to be closer to 7kg, but I'll be able to get under 7kg if I wear my jacket with some things in the pockets, hold my water bottle, etc.

Includes worn items. \"Accessories\" are personal effects such as wallet/watch/sunglasses (classified under \"other\" below). No real surprises here.

Bags

  • Backpack: Evergoods CPL 24 1035g/36.51oz
    • With framesheet and aluminium stay removed (might end up putting the stay back in if I feel I can spare 47g). Haven't travelled with this bag before, but I think it will work well.
  • Sling: Crumpler Stash Sling 234g/8.25oz
    • Expands from 2.3 to 4.6L with a zipper, but doesn't have as much organisation as I'd like. Fits perfectly in the CPL24 (although I'll often wear it separately when travelling which would free up more space in the CPL24).

Clothing

  • Packing cube: Funny Fancy Packing cube med 39g/1.38oz
    • Cheap set of packing cubes I got off Ebay years ago. Mesh top, clamshell zip. It's holding up well!
  • T-shirt: Cori Super Tee - Grey (worn) 150g/5.29oz
    • Backed these on Kickstarter (or maybe Indiegogo) but yet to receive them. Unless they're obviously poor quality or don't fit, I'll give these a go on my next trip. And report back here, of course!
  • T-shirt: Cori Super Tee - White 150g/5.29oz
  • T-shirt - active/swim: B2B Poly running shirt, white 116g/4.09oz
    • A lightweight poly tee for working out, hiking, etc. Could also wear it swimming if I wanted extra sun protection during the middle of the day. This is just one that I got from a fun run, so nothing special.
  • Singlet: Patagonia Capilene Cool Trail Tank 116g/4.09oz
    • Mostly for sitting around/working from my accommodation, so that I'm not stinking up the pits of one of my other shirts. Could also be worn for workouts depending on UV, or as an undershirt in cold temps. Don't actually own the Cap Cool, so might opt for something different (also looking at cotton/poly blends).
  • Polo: Patagonia Cap Cool Trail Polo 190g/6.7oz
    • Still debating long-sleeve vs polo shirt for my "fancier" option, but I feel like the Polo might win out. Don't yet own one that is good for travel, so I'll probably pick up this or the Lululemon Evolution polo.
  • Shorts: Billabong Sumbersibles, black 225g/7.94oz
    • Picked these up in Mexico and they seem to tick all of the boxes for travel shorts. The black is starting to fade, so I'm keeping my eyes peeled for alternatives.
  • Shorts - active/swim: Generic Swim shorts 120g/4.23oz
    • Also looking to replace these with something a little smarter so that I can more easily wear them around town. Something with belt loops would be nice, so that I can use my capture clip.
  • Long pants: Uniqlo Ultra Stretch Skinny Fit Jeans (worn) 475g/16.76oz
    • Picked these up in Japan after a blowing the crotch on the previous $15 jeans I'd travelled with for over a year. Happy with these pants, very comfy due to the stretch and soft material.
  • Shoes: Vivobarefoot Gobi II Desert Boots (worn) 620g/21.87oz
    • These should have at least another year of life left in them. Still haven't found a better shoe for my needs (having wide feet rules out quite a few options, though). Relatively competent in most areas: hiking, walking around town, going out to clubs etc.
  • Sandals: Shamma Warrior LE Sandals 240g/8.47oz
    • I'm yet to pull the trigger on these, but I think I'll have to as regular flipflops won't might not fit in my bag. I've avoided travelling with sandals like these up until now even though I prefer minimalist footware to avoid that backpacker look.
  • Underwear: Uniqlo Airism Boxer Briefs, mesh x2 76g/2.68oz
    • Super light weight, wash them in the shower each night. Used two pair of the non-mesh in rotation for over a year of travel and they held up, but the elastic went crazy when I threw them in the washing machine at home. Hopefully the elastic on the mesh versions is improved.
  • Underwear: Uniqlo Airism Boxer Briefs, mesh (worn) 38g/1.34oz
  • Socks: Teko Merino Socks (worn) 41g/1.45oz
    • Pity I can't seem to find the same version of these socks anymore, these have held up great. Don't have the same anti-odor abilities when compared to higher-percentage Merino socks, but not too bad.
  • Socks: Kathmandu No-show Merino Socks x2 48g/1.69oz
    • These are extremely thin and lightweight. Not sure how they'll hold up over the long term, but looking good so far.
  • Light jacket: Patagonia Houdini jacket 104g/3.67oz
    • Super-compact jacket that I can probably keep in my sling at all times. Perfect for those days where it's windy, but not actually that cold. Can also layer this on top of the down jacket for a bit more protection from the elements. I do miss having pockets, but I think the portability makes the sacrifice worthwhile.
  • Warm jacket: Uniqlo Ultralight Down jacket 218g/7.69oz
    • This is starting to lose down through the seams (a friend has one of these that is essentially just a nylon shell by this point), but should have a few years of travel left given I don't tend to use it that much. Perfect warmth/weight ratio.
  • Beanie: Kathmandu Merino Beanie 35g/1.23oz
    • Very small, but can be used underneath my cap if needed. Had a Kathmandu voucher and didn't know what else to buy.
  • Buff: Ebay Fleece Neck Warmer 37g/1.31oz
    • Probably my favourite cold-weather item. There's just something comforting about wearing a scarf, and this gives the same feeling and most of the warmth at a fraction of the bulk. Can also double as an eyemask, but it's not ideal.
  • Gloves: Alpaca Fingerless Gloves 23g/0.81oz
    • Some gloves I picked up in Bolivia when I underestimated (overestimated?) the temps on my first onebagging trip! I like to have my fingers free to use a camera, phone, zipper, etc.
  • Leg warmers: Modetro Sports Calf Compression Sleeves 53g/1.87oz
    • I've been experimenting with leg/arm warmers for some time, and I've decided to take these in place of normal thermal leggings. The advantage of these is that they can be taken off without stripping down, and can also be rolled down like socks. These are basically long socks that don't cover your feet. They're tight enough that I should be able to get jeans on over them without any issues.
  • Hat: Ecko Cap, black/orange (worn) 92g/3.25oz
    • Another item I picked up in Mexico. I just buy these as I go when the previous one gets too ratty or can no longer be cleaned to look presentable. Must have mesh for airflow.
  • Belt: Ban Coppel Adjustable Belt (worn) 106g/3.74oz
    • OK so a lot of my packing list was purchased on the road in Mexico it seems. This is just a standard adjustable webbing-like belt with the flat buckle/clasp.

Tech

  • Phone: HTC U11 EYEs (worn) 187g/6.6oz
    • Solid battery, passable camera (that I no longer use), water resistant, dual sim, cheap. But for some reason that I can't figure out, Google Maps runs extremely slow on this phone (it's got an older SoC, but everything else runs OK). Looking to upgrade, maybe OnePlus 7T if I can find a good deal.
  • Phone case: Ebay Phone Case (worn) 30g/1.06oz
    • Extra padding on just the corners. Offers enough protection and makes the phone look more generic (not that it's an expensive phone anyway). Usually keep some backup cash inside.
  • Laptop: Lenovo Yoga 720 13" 1253g/44.2oz
    • Bought this refurbished at a very good price for the specs (7th gen i7, 16GB, 256GB). Enough for my work needs (software dev), but could use a bit more grunt when dealing with 24MP RAW files (especially stacking!). Active digitiser is great for random sketches/designs (one of the things that keeps me away from a MBP despite my hate for windows).
  • Laptop stand: Richer-R Laptop Stand 83g/2.93oz
    • This stand is good, but I'll definitely keep my eyes open for alternatives that pack down a little neater. I type on the laptop directly on the stand which I find works fairly well (no external keyboard needed).
  • Tech pouch: Zoomlite Tech Pouch 78g/2.75oz
    • Pretty nice tech pouch with just enough organisation. I liked the dedicated tech pocket on the Bellroy Transit, but I think a pouch is a better approach, as I can avoid scattering various dongles/cables over my desk/bed when wanting to edit photos.
  • Active stylus: Wacom Bamboo Ink 19g/0.67oz
    • While I love sketching things in onenote, I actually don't like or recommend this particular product (I dropped and broke the pen that came with the laptop unfortunately). The buttons are really hard to locate and are mushy, battery seems to drain randomly, and AAAA are a hassle to get on the road.
  • Stylus battery: Energizer AAAA Battery 5g/0.18oz
    • Pretty much explained above, these are a PITA to source on the road if you can't wait for online delivery.
  • Mouse: Lenovo Yoga Mouse 60g/2.12oz
    • A really awesome design with a somewhat disappointing execution. The touch scroll wheel is so bad that I just use my laptop trackpad with my other hand, and the Bluetooth connection randomly drops out for a second every now and then. It does come with a 2.4ghz dongle, but I'd rather keep my only USB-A port free for charging. Otherwise, it's extremely slim packed down and is passably comfy to use.
  • USB-C charger: Lenovo 45W USB-C Charger 171g/6.03oz
    • Charges laptop, phone, powerbank. There are more compact chargers out there, but the integrated cable management on this one makes it very easy to use (and it isn't that big or heavy to start with)
  • Charger Adapter: IEC C5 (3pin) male to type A, right angle 16g/0.56oz
    • Plugs into the USB-C charger so that I can plug it directly into the wall (originally had an extension cable, but I don't need the extra reach). Specifically avoided a grounded version so that I don't run into issues with un-grounded plugs (common in Japan, and have seem then in other countries).
  • Power Adapter US - EU: Power Adapter US - EU 7g/0.25oz
    • Simple two-prong adapter
  • Power Adapter US - AU: Power Adapter US - AU 6g/0.21oz
    • Simple two-prong adapter, nests nicely plugged into the other one.
  • Cable - multi: Samsung USB-A to USB-Micro/Type-C, 20cm 8g/0.28oz
    • Came with my powerbank, good short length and tethered Micro to Type-C adapter.
  • Cable - multi: inCharge 6 (Type-C, Micro, Lightning) 25g/0.88oz
    • Bit heavier than I'd like (and could have been way lighter if made from high-quality plastic), but useful gadget and gives me a lightning cable which might be helpful to other travellers.
  • Headphones: Lypertek Tevi Bluetooth headphones 66g/2.33oz
    • Downsized from my Bose Soundlink Micro to these. Mostly will be used when working from my accom, but also on flights/bus rides to listen to audio books and while working out. Claimed battery life of 70 hours is really handy, and the sound quality seems good with the foam tips.
  • Torch: Petz Bindi Headtorch 35g/1.23oz
    • Definitely a luxury, but at 35g I'll let myself indulge. Has a red light so that if I need to find something while in a dorm, it won't disturb others as much.
  • Backup light: USB LED Chip 3g/0.11oz
    • This is a tiny PCB that inserts into the USB plug of a powerbank. Intensity of light is controlled with a touch-sensitive pad on the back. The only reason I could see myself using this would be if I needed extra light to photograph something (it's quite a warm light). At 3g it surely can't hurt?
  • Power bank: Samsung Powerbank 5,100mAh 154g/5.43oz
    • This powerbank is kind of big and heavy for its capacity, but good options in the 4,000-8,000 range aren't plentiful. And it was quite cheap.
  • USB drive: Lexar Flash Drive, 16GB 2g/0.07oz
    • Used this for playing around with Linux live images, but could come in handy for other purposes. Extremely small.
  • Micro SD card: Sandisk Micro SD Card 64GB 1g/0.04oz
    • Could use this to expand my phone storage. Unfortunately my camera doesn't like Sandisk cards, so can't use it as a backup there.
  • SD card adapter: SD Micro-Full Adapter 1g/0.04oz
    • Can use this to read the card with my full-size SD reader.

Camera

  • Camera body: Fujifilm X-T20 (worn) 339g/11.96oz
    • Excellent compact interchangeable-lens travel camera. There are some frustrating issues with the UI, but it does everything I need. Bought this second-hand so that I don't have to worry about protecting it from every bump/scratch.
  • Lens - Zoom: Fujfilm XF18-135 530g/18.7oz
    • Love the flexibility of this lens. Find myself shooting at 135 quite often! This is my daytime walk-around lens. Quite heavy and bulky for onebagging, but I'd really miss the range if I went with the 18-55 and the 16-80 isn't that much lightesmaller.
  • Lens - Night: Fujifilm XF35 f/1.4 187g/6.6oz
    • I currently have a 7artisans 35mm f/1.2, but the IQ isn't fantastic and manual focus is a bit slow, especially when travelling with other (non-photogapher) people. The idea is to have a fast, reasonably compact lens to use at night or indoors. Another option I'm looking at is the 18mm f/2, with its slightly more indoors-friendly focal length. Something like Canon's 22mm f/2 would be perfect here.
  • Lens - Pancake: Fujifilm XF28 f/2.8 90g/3.17oz
    • The sole purpose of this lens is to be small, and fit in my pocket with the body if I'm just going out to get some food and don't want to take the sling or wear my camera on the capture clip. If I decide on the XF18 over the XF35, this pancake might be redundant (though the XF18 is still not a slim as this)
  • ND filter: GOBE ND32 67mm 30g/1.06oz
    • Cut down the number of frames I need to median stack when doing long exposure. Can also be used with OIS on sunny days to slow down water (though I'm a bit over this effect TBH).
  • ND filter storage: GOBE filter end caps, 67mm 20g/0.71oz
    • These screw onto the front and back of the ND filter for protection.
  • Battery: Fujifilm NPW126S (worn) 47g/1.66oz
    • Original Fuji battery that came with the camera.
  • Battery: BetterBatt NPW126S x2 94g/3.32oz
    • Three batteries total should be plenty for my needs (can also charge via Micro USB with my powerbank in a pinch). These BetterBatt versions seem good.
  • Battery charger: Nitecore FX1 Battery Charger 58g/2.05oz
    • Perfect travel option for Fuji batteries. Only gripe is the integrated cable is awkward and unncessesary.
  • Extension tubes: Meike 16mm Extension Tube 30g/1.06oz
    • The 18-135 seems to give a decent reproduction ratio (usually at 135 for compression), so I wouldn't use this much, but you never know when you might really want to get up in the face of some bug or leaf.
  • Tripod: Pedco Ultrapod Grip 104g/3.67oz
    • I used the smaller version of this tripod with a Fuji X70 and loved it, but I don't love this larger version as much. The legs are wobblier than the smaller version, and it doesn't cope that well with the 18-135. Not sure if I can find a better mini tripod in the weight range though (this one can be wrapped around trees/poles).
  • ARCA Tripod mount: Neewer Arca Tripod Mount 51g/1.8oz
    • Because I use the capture clip, this makes setting up the tripod much more bearable. Still, it's a decent chunk of weight for a luxury, and I don't use the tripod that much anyway... (even less with the stabilised 18-135). If my experiments with a new carry system to replace the capture clip go well, I won't bring this.
  • Camera belt clip base: Peak Design Capture Clip Base (worn) 73g/2.58oz
    • I've quite enjoyed using the capture clip to keep my camera at the ready. May not be the best solution in parts of the world where I want to be careful showing off my wares, but it certainly beats a standard neck strap, especially if I'm also carrying a sling. The fact that it covers the batter door and that the 18-135 slowly extends because it's pointing directly downwards are not idea, and I'm currently investigating other alternatives.
  • ARCA plate: Peak Design Capture Clip Plate (worn) 14g/0.49oz
    • The capture clip plate is also ARCA-compatible.
  • Lens blower: VSGO Lens blower 24g/0.85oz
    • Keep the dust out of my camera gear. Will probably just take the lens brush with me in my sling and use this to blow out lenses when I get back to the accom.
  • Lens brush: Hakuba Lens Brush Mini Pro 8g/0.28oz
    • Tiny retractable soft brush that I picked up from BIC Camera. The other end has a kind of scrubbing pad thing that looks like it would be good for stubborn spots on a lens.
  • Lens brush refill: Hakuba Lens Brush Pad Refill 3g/0.11oz
    • Replacement for the (soft) scrubbing pad mentioned above. No idea how often this would need to be replaced.
  • Lens cloth: Neewer Lens Cloth 3g/0.11oz
    • Sure beats an oolder lens cloth.
  • SD card, primary: Kingston Canvas React 64GB SDXC x2 (worn) 2g/0.07oz
    • This is generally enough for a full day of heavy shooting or multiple days of light shooting. Might still like to get a 128 or another 64 for some extra peace of mind (since not all card brands work in my camera, having a backup would be good)

Hygiene/Grooming

  • Toiletries bag: Zoomlite Toiletry Bag 93g/3.28oz
    • Stands upright, small footprint, enough organisation, good size (can even fit my towel and soap in there) and wasn't very expensive.
  • Towel: Speedo Swimmer's Towel 34g/1.2oz
    • The advantage of the swimmer's towel (essentially a chamois for your body) is that you never need to let it dry out (in fact it's better not to). Can also be used to absorb a bit of extra water from washed clothes. Surprisingly this never really smells, even if I don't rinse it for days.
  • Soap: Any Bar of Soap 85g/3oz
    • I am partial to the Dove soaps, but any soap will do, and if it's free, even better.
  • Soap case: Matador FlatPak Soap Bar Case 11g/0.39oz
    • Inline with the main advantage of the swimmer's towel, this should allow me to seal up my soap, toss it in the bag and forget about it. Particularly handy for showering right before I check out of my accommodations.
  • Deodorant: Nuud Deodorant, 20ml x2 46g/1.62oz
    • This is an interesting deodorant. It's definitely effective, but won't cover up any existing odor. I'll have to replace this with whatever I can find when it runs out.
  • Trimmer: Wahl Pocket Pro Trimmer 72g/2.54oz
    • Includes two guards and a small brush, runs off a single AA battery. I've had this for quite a few years and it's held up really well.
  • Battery: ZNTER AA Battery, USB-rechargable x2 34g/1.2oz
    • Lower capacity than my ENELOOP Pro rechargeables (1250 vs 2450mAh), but these have a micro-USB port for charging, so I don't need to bring a separate charger. Bring two in case one conks out mid-shave.
  • Razors: Razor head x2 4g/0.14oz
    • I don't shave with razors very often (and only just the neck), so these heads work fine. Best to find the ones with a tiny bit to grab onto.
  • Tweezers: Delfin Tweezers 7g/0.25oz
    • Tweezers I bought in Cusco when I thought I forgot to pack my others (I later found them in my shaving kit).
  • Nail clippers: Generic Nail Clippers 21g/0.74oz
    • Similar story to the tweezers. These ended up being better than the other ones I couldn't find.
  • Toothbrush: Any Toothbrush 15g/0.53oz
    • No point getting fancy here for indefinite travel, as I'll just pick up whatever brush I can find on the road.
  • Tooth paste: Any Toothpaste 80g/2.82oz
    • Best to keep it under 100ml so I don't need to throw it out before plane travel, otherwise any will do.
  • Floss: Dental-Bright Flossing Brush 0.8g/0.03oz
    • Little bit of floss in a tiny plastic stick/brush, these make flossing way easier and quicker. This is the best brand I've ever tried, and I've tried plenty (because I really hate flossing with just the string).

Laundry

  • Laundry soap: Small cotton bag 5g/0.18oz
    • Might not handle moisture well, but I'm usually able to let laundry soap dry out after use.
  • Laundry soap bag: ZOTE Laundry bar, per gram x60 60g/2.12oz
    • A nice citronella-scented laundry bar I picked up in Mexico, seems like a common option there. Usually rub this directly into the pits and other stains before throwing the clothes into the drybag for a wash.
  • Dry bag: Sea-to-Summit Ultrasil Drybag 32g/1.13oz
    • Still amazed that this thing hasn't sprung a leak, given its weight. I fill it 1/2 to 3/4 full with water + clothes, and shake it back and forth. I've heard that soaking can also be effective.
  • Alcohol spray: Dr Bronner's Lavender Organic Hand Sanitizer 73g/2.58oz
    • Used to use cheap vodka in a head lice spray bottle (the only one I could find!), but this adds a nice scent. I use this to keep garments as fresh as possible between washes, but with lavender it can also mask odors somewhat. My tests indicate that it's somewhat effective, but not a game-changer. Can also be used as hand-sanitiser, but outside of global pandemics, I don't use it.

Health

  • First Aid Kit (bag): Vaultz mesh bag, small 10g/0.35oz
    • This bag is actually quite awkward to use with the diagonal zipper, but I don't need to access it much.
  • Paracetemol: Any paracetamol 15g/0.53oz
    • Don't tend to need this much when travelling, so any type will do.
  • TD meds antibiotic: Fluxacord Ciprofloxacino 21g/0.74oz
    • I avoid taking antibiotics unless it's absolutely necessary, but this (in conjunction with the loperamide) works wonders.
  • TD meds "stopper": Stop-It loperamide 5g/0.18oz
    • Most effective when used with the antibiotic, but can take it alone if I just need a quick fix quite in transport.
  • Band-aids: Any band-aid x5 2.5g/0.09oz
    • Yes I know that they're available everywhere you travel, but that's not much good when you're bleeding all over the place and not right next to a pharmacy, is it.

Other

  • Passport: Passport (worn) 37g/1.31oz
    • Apparently this is "property of the Australian Government". Nice of them to loan it to me.
  • Passport holder: Ebay Passport Holder (worn) 19g/0.67oz
    • Looking to replace this with a simple zippered pouch, but I'm yet to find one with the correct dimensions (that is easy to get hold of in Australia—like the Muji double-zipper one otherwise).
  • Cards: Various cards x4 (worn) 20g/0.71oz
    • Driver's licence, bank card 1, bank card 2, credit card.
  • Immunisation book: Yellow Immunisation Book (worn) 8g/0.28oz
    • This is (or used to be) required to show Yellow Fever vaccination for some countries, but also had details about my rabies pre-shot thing that I would otherwise forget about.
  • Sunglasses: ROAV Lennox Sunglasses (worn) 20g/0.71oz
    • Definitely one of the MVPs on this list. I've had the same pair for over two years now and they're still going strong. Wouldn't consider getting a different brand once these ones do finally die. Can stick these in the coin pocket of my jeans when I go out just in case.
  • Sunglasses Case: ROAV Sunglasses Pouch (worn) 17g/0.6oz
    • The pouch hasn't held up quite as well at the sunglasses themselves (they've since updated it to a silicone version which should last longer). ROAV also make a fake leather pouch that I would love to upgrade to, but it's a bit price-prohibitive at this point (and I'm holding out for more colour options).
  • Watch: Casio GA-2100-1A1 (worn) 51g/1.8oz
    • Can barely read the time on it and the band is not very comfortable, but still love it. I need to figure out a way to get a NATO/nylon strap on here for comfort (especially when working on my laptop—yeh I know, the lamest reason ever to use a NATO-style strap).
  • Wallet: Undivided Wallet (worn) 26g/0.92oz
    • Good wallet, but is a little bit short for taller bils, e.g., Japanese. I'm also over folding my bills in general, but I haven't yet seen a design that stores unfolded bills and also handles coins well. Considering swapping this for the Topo Micro Accessories Pouch if I can get one at a decent price.
  • Lock: Zoomlite Carabiner Combination Lock 38g/1.34oz
    • Yet to test it out on the road, but this allows me to anchor the zipper pulls of the CP24 to one section of the carry handle, preventing the the zippers from being moved to cover up a forced entry into the bag. With some effort I can also include the laptop zipper, but this is kind of difficult so I might just end up transferring the laptop to the main compartment. Of course this comes in handy at hostels.
  • Umbrella: Kathmandu Mini Umbrella 136g/4.8oz
    • Does the job. I've never understood why people would choose a rain coat over an umbrella for general travel.
  • Umbrella sleeve: Kathmandu Umbrella sleeve 6g/0.21oz
    • Isn't really necessary but does let me hang the umbrella from my bag, sling or even a belt loop.
  • Umbrella carabiner: Kathmandu Carabiner 8g/0.28oz
    • Carabiner to hang umbrella as previously mentioned.
  • Coin pouch: Market Coin Pouch, Peru 16g/0.56oz
    • I try to collect one of each type of coin from the countries I visit.
  • Water bottle: 360 Degrees Stainless Steel Bottle, 1L 185g/6.53oz
    • Old faithful. Since this is going inside my pack, I need a dependable leak-proof bottle, such as this one. I usually drink 1L when I work out, and this also works well with the Steripen (which is rated to treat 700ml in a single zap, but I figure I can stretch that a bit with reflective walls).
  • Water bottle - packable: Hydrapak Stow Waterbottle 500ml 39g/1.38oz
    • Used to supplement the capacity of my main bottle for longer hikes, or to carry in the back pocket for shorter trips walking around town etc. This is more enjoyable to use than the Vapur I had previously, though a tiny bit heavier.
  • Water purification: Steripen Pure+ 70g/2.47oz
    • Great concept, dated technology and design. This is the rechargeable version, and doesn't need to be charged that often. I use filtered water whenever it's available, as this doesn't do anything to overcome the (sometimes unbearable) taste of local water. Looked at LARQ and CrazyCap as alternatives, but neither really fits the bill.
  • Coffee cup: Keep Cup Reusable Cup 98g/3.46oz
    • This is my number one tool for getting work done while on the road (closely followed by my laptop). Won/stole this at a work "Maliscious Christmas", and glad I did.
  • Cutlery set: Daiso Collapsible Cutlery (fork, spoon, chopsticks) 23g/0.81oz
    • Love this little set I stumbled across in Daiso. Has fork/spoon heads, and two chopstick ends, that can be attached to the main handles.
  • Pen: Zebra SL-F1 Mini Ballpoint Pen 12g/0.42oz
    • This pen is awesome, just hope I don't lose it since it's so small.
  • Pen refills: Zebra ink refill 4C-0.7 x2 2g/0.07oz
    • The pen is small and it seems like an unusual refil, so might as well take a few with me.
  • Earplugs: Radians Ear Plugs, Custom 15g/0.53oz
    • These come as putty that you mix and smush into your ears while it sets to create a custom fit. The resulting earplugs are comfortable and durable (I've had mine for years).
  • Plastic carabiners: Plastic Carabiner, Large 8g/0.28oz
    • Have used this to hang my water bottle, cap, umbrella etc from my sling.
  • Hanging hook: Heroclip Mini 20g/0.71oz
    • This could come in handy for hanging my toiletries bag, and maybe for hanging my main bag in bathrooms etc. Might even be able to replace the large plastic carabiner for use on my sling.
  • Clothes line: Homemade clothesline, 1.2-2.4m 4g/0.14oz
    • This is just a piece of mason line with two tiny plastic hooks and a prusik knot for tensioning. I've actually never used it, but it can't hurt to have.
  • Shopping bag: Nanobag Large 18g/0.63oz
    • Great shopping/general bag. Lightweight and super strong (I've carried 20L water jugs in it). This can stay in the sling permanently because it's so compact.
  • Produce bag: Produce Bag 11g/0.39oz
    • I don't generally do a tonne of cooking or grocery shopping while travelling, but I still think it's worthwhile to bring this bag since I use them at home.
  • "3-1-1" bag: Narita airport clear bag 1g/0.04oz
    • Nothing fancy, just need to remember to move my liquids into this bag before heading to the airport. Airport staff were kind enough to give me this bag after my friends cologne leaked in my other one.
  • Sundries bag: Electronic component bag, silveclear, small 2g/0.07oz
    • Just happens to be a good size durable bag with a clear side for storing odds and ends.
  • Zip ties: Mini zip-tie x5 1g/0.04oz
    • Not sure why I'd need these but they could probably come in handy to hold something together in a pinch.
  • Sewing kit: Sewing kit, homemade 1g/0.04oz
    • Needle and thread wrapped around a piece of cardboard, few safety pins. I'd probably only use this to repair a button, and even that's unlikely and I could probably find someone to do it locally and do a decent job.
  • Sim tool: Sim tool, sim cards in case 6g/0.21oz
    • Maybe I should collect sim cards instead of coins? Definitely weighs less. Not sure if any of these sim cards will ever work again if I revisit those countries, but the sim tool is good to have.
  • Mini sharpie: Sharpie Mini 6g/0.21oz
    • Could use this for writing name/date on food in communal fridge. Could also use it to make a sign for hitch-hiking if my travel budget runs dry.
  • Keychain/split ring: Big Idea Design Titanium Split Ring (worn) 1g/0.04oz
    • Stupidly unnecessary, but it came with the Pocket Bit mini tool. I must admit it does exude an air of exclusivity.
  • Key clip: Mini S-biner, black (worn) 2g/0.07oz
    • So that I can quickly clip accom keys to my keyring.
  • House key: House Key (worn) 7g/0.25oz
    • To get back in the house. Depending on living situation prior to setting off, this might not be necessary.
  • Multitool - Screwdriver: Big Idea Design Titanium Pocket Bit (worn) 2g/0.07oz
    • Now I can have a Philips and flat head screw driver with me at all times. Occasionally I might want to tighten up (or partially dismantle) furniture at an Airbnb to suit my needs.
  • Measuring tool: Daiso Mini tape measure, 1m 16g/0.56oz
    • Now I can know the dimensions of anything, at any time, anywhere. I'll miss not having my kitchen scales (if that wasn't obvious by now!), but one(bagger) must make sacrifices.
  • Multitool - Hex 4mm: Axiom 4mm Hex Bit (worn) 7g/0.25oz
    • Need a 4mm Allen bit to take off the capture clip (which I need to do frequently because it blocks the battery door—thanks a lot for that fantastic design Fuji). I took this off a mini bike tool the "Axiom Tweak" and added it to my keyring a la the Pocket Bit. The Tweak would actually be an awesome multitool for travel if the Phillips driver were a bit larger.
Thanks for reading. I know it's a bit light on detail, so let me know if you need any clarification. Questions, comments, suggestions, etc appreciated.
submitted by Jed_s to onebag [link] [comments]

Summation of early sexual experiences and while life with circumcision. (32m)

I am 32 year old male from Australia, I was born in queensland and during a time when circumcisions rates were declining from 80%. It is currently 30%.
I was circumcised at birth and had a 20yo mother. My father killed himself when I was 4 and I have no memory of him. My mum says he was circumcised and that they did not know each other very long.
I moved often, every 2 years of my life and so I can recall certain memories from the houses I have lived at.
I remember at age 6 when I was living in a 2 story unit and I discovered masterbation for the first time ever. It was just mum and I and I was not in primary school yet. I remember getting a shovel and pale sand kit that year. I pooped in the pale and my mom found it. XD I was young af. One night I was upstairs in my room and mum downstairs cooking (I never liked her cooking when i was young, I remember.) I had found a piece of string ( maybe from a yoyo, I remember it being longer but I was small so maybe). I remember wrapping the string around the base of my penis, then I slowly unwound the string and my dick was a little hard. I remember sitting there after the string had unwound and I was holding the string. I was thinking, "that felt really good and I dont know why." I was captvated. I was definately hard by this point and I remember winding the string a second time, this time I was paying more attention to my penis. I remember throbbing as I unwound the string. One circle would go round and helicopter my dick. I was throbbing and I would unwind it again. I remember this warming from the inside of my shaft. Also I was like. WOAH look how big my penis is and how its red and jumping. I did not feel shame, I was just curious. I did not have any ideas of circumcisions or of what foreskin was or even that I had a dick that could get massive and red and make me feel really good. It is literally the first time I remember getting off. I also remember that when I was playing with the string that i used my hand at some point to stimulate my penis. I was part hard and I did not grab my shaft, I grabbed that little bit of skin bunched up behind my glands that dissapears when I am hard with my fingers. I rolled it over the top of my dick but it was not as nice as the string. My glands were very sensitive. Touching my palm or hand over on my knob was not a good feeling, (like after you cum and you dont want anyone to touch you.) and I remember I winced. I would put all my fingers over my shaft or maybe that skin and roll it over the edge of the glands. I do not remember orgasming or shaking or semen. I just felt really good. I think at this age my glands were developing and were hypersensitive, this is an age when my dick should not have had any stimulation at all, so i discovered masterbation because of my circumcision.
I did not know anyone except my mum and I did not tell her. I went down to dinner like everything was normal. That same year I was playing truth or dare with 2 boys. One a few years older, maybe 9 and he was the baby sitter. They were from my complex of units. I dared one boy to show me his penis, but the older boy told me we cant do that, so I made him eat a pickle from the fridge if there was one. I was curious haha.
I am 7 years old, my mum is going out with a man. His son and I play while they are together. His son and I are same age. We sneek around buildings and find quiet spots where noone is around and then explore each other, he is intact but i did not think anything of it. His foreskin nipples and covers him completely. We play around a dozen or so times, neither of us cum. I was not obsessed with his foreskin. He is the first intact guy I ever saw. I don't remember him playing with it too much.
When I was 8 years old and in year 3 I was playing rugby league for a social club. I messed around and fondled a boy on the field while noone is watching. He us cut but I do not know what that is. Maybe we lasted half an hour with frequent "is the someone coming." Mostly I am just curious. that same year
I also remember being in PCYC chrildrens care and remember some kid asking if I knew what a boner was but I had never heard it before.
While in year 3 I remember masterbating myself in class while the teacher was out the front and it came to the point where she must have noticed because she came and sat next to me. I did not have time to put my dick awayand I was frozen. I don't remember what happened immediately afterwoods but it turned out not too be too big a thing. Although the next week our class had to watch a sex education video. I remember the tv and vcr they wheeled in. We watched slightly more than they wanted us to see and we saw a baby doodle. Then we all got one question to write and the teacher answered all the Qs. I asked how big would my dick get. But really I had no idea what was going on.
Also when I was 8 years old, I had to get myself from school to home by walking for 1.5 hours. I remember I would get excited on the walk home and eventually I started masterbating while I walked home under my clothes. I was really good at holding an umbrella while it was raining and jacking off under my jacket.
I remember this one time that felt really amazing. I was at home with mum and blanket over me and I was pleasuring myself on the couch. Mum came in and sat down as I continued to get myself off covertly. I was probably very red faced. When i organasming and it felt amazing, and after i blew I was rubbing myself like i wanted to cum again and it did not feel bad. It was mind blowing. I think the taboo of doing it covertly was a huge turn on. It still look me quite a while to get off though, 20 minutes. My dick was still sensitive at this age.
That same year, the man my mum had been seeing came up to me and said like a joke. "You know what that most sensitive part of your dick is? Your ears as your listen for your mum coming." It weirded me out for a while. I think I started my sexual peak in life early because of all the stimulation from walking for long periods with exposed glands and excess stimulation.
When I was 9 years old and in year 4, we had a camp where 8 boys were per cabin. Our cabin played up and someone offered skittles to see someones penis. Eventually some guys had erections. Everyone was cut but still I had no idea about circumcision or anything. I remember sticking my thumb through my boxers because i wasnt sure about getting my dick out. We got in trouble for making too much noise and for staying up from the teachers.
I am 13 years old. I am in year 7 and it is 2001. I still have to walk 1.5 hours to get myself home from school. Computers are coming out and I have a 56.6k modem. I find various porn images of men that are not blocked like fashion websites for exotic models. P2P filesharing is big, msn is becomming popular, irc is still around but is not as big. I remember a site dedicated to foreskin and maybe regeneration that uses the word KOT a lot. I learn that circumcision exists. Ask mum and find out I am circumcised, very minimal conversation. Pretty much said yes you are. I press my mother for more information as I am naturally curious. Get stone walled, "do not want to talk about." Immediately want to be uncut. Have no idea the serious ramminfications circumcision have. I visit foregen and join.
Remember reading books and dictionaries about the word circumcision. Mostly I am wrapped up in, it removes tissue and in exchange; less uti's, hiv spread, penile cancer, etc. I have no idea this tissue is literally the best or how damaging this procedure is. Have no friends and no family to discuss issue with and am very quiet and introverted. (I am 32 now and still just as awkward about talking about stuff like penises.) I am not sociable, or athletic, I like video games and I focus on my studies. I am taking days off school, usually mondays to stay at home using the computer to look at porn and listen to music. An average day, I can get myself off 10 timesin the day, I think 20 was my limitand my dick was raw. I never used lube or spit. I am producing semen now and I am interested in foreskins and restoration and want my foreskin back, even though i do not know how good a foreskin is.
When I move out of this house, there is an odd section of stale carpet where I would blow my load next to the computer. Mom confronts me but i shrugg it off. She probably knows. I watch the exorcist and other late late night shows on tv.
When I am 15 years old and in year 9, I am curious about boys and not girls. i want to see their dicks but i am too introverted and shy. All straight normative. I try to pee after maths class everytime so i can see one of their dicks without having to bring the topic up but it does not succeed.
In manual arts class, a boy pulls his dick out discretely in front of me and another guy and gets a boner. He is cut. He offers me and another guy $2 to touch his penis. I didn't XD.
Age 17 and in year 11 in high school. I live with mum and also with a man she works with. That man has a son. I found out his son around age 7 is also circumcised. I am mildly depressed about something but I cannot pinpoint it. The man hangs himself in the back yard one day. I never return to that house after that and mum and I never talk about it.
Mum buys a house, I travel to the same school, it takes me 1.5 hours to get from school to mums workplace via bus. I do light duties like files management at mum's workplace and get paid minimally.
I am 17 or 18 years old and have tried at this point to bring up circumcision a dozen times in 3 years. Things I have learned: She does not want to talk about my dad and will not discuss anything. When it comes to circumcision, she becomes defensive and conversations do not last longer then a few minutes. She says she prefers the look of circumcised men. When I would ask why, the information was, "it was just done," "your great grandfather was in a nursing home while you were born and he could not look after himself so he was circumcised. We thought we were doing you a favor," it was mostly your grand mother." I have discovered most men( slightly older cousins and some younger ) in my family are circumcised. I know that my great grandfather was not. Mum has apologized only once. Mum will never raise this issue with me, but i suffer constantly ( everyday) I am confident she is not aware of how important the foreskin is.
Age 18. Mum says i cannot stay in her home forever and that I need to get a job or go to university. I start a degree doing video game engineering that lasts two years. I travel from mums home to college everyday to study except weekends. Moms goes guarentee on a loan so i can be approved to pay the fees for uni.
I meet some interesting people and a made a friend. I see his penis in the urinal, he is uncut but he is also shy like me. I see it one other time. We visit each other often and do martial arts training. We also give each other massages and mostly it is hetereo sexual. I pushed my dick to his pants once during a massage but he said, "Hey! Stop." I stay at his place every monday, he lives with his older brother and his older brother's wife. They are trying for a kid, love board games ( which is every monday night when I am there).
By 19 years old I am completing my degree at the end of the year. When my friend from college is taking me home via a train station, I want to tell him all the things he means to me because I might love him. I cannot find the words and by the time I say something like what I mean, he said that, " he met some chick doing salsa dancing and he is not gay."
I am working filling shelves at supermarkets, mostly to pay off my uni debt. I have a licence and access to my mums car. I spend a few weeka crying while filling shelves, I think because my friend rejected me. I am hard working and get a promoted position as a store fitter.
I have my first sexual experience with a man as an adult. We meet on a m2m sex site. I use mums car to drive to his place and meet him at the side door to his house. I am very horny and have not had any m2m contact since I was 7 years old. He is cut, he was not attractive to me but I am desperate. He is very pressuring and it is boarderline rape. I have my second experience with an older gentlemen who cums almost instantly, I think he is cut.
My mum and I argue because I am depressed and I do no want to talk to my mum. I am so distraught over being circumcised but i cannot discuss it and I know mum will not talk about it or talk about dad. Mum is upset with life and cooking and expenses and having to work. I am paying rent and for my own food at this stage, aswell as paying off my uni debt.
I am depressed about being circumcised and would give anything almost everyday of my life I am thinking about it. Trialed an antidessent for a month, not effective.
Age 20, after a massive argument with mum I move into a house with 2 guys i barely know. We have a 3 way relationship lasting 6months. One is cut the other is uncut. I can not explore his foreskin the way I want to. Sex is not accilerating, I can not maintain arousal. I have a negative experience with the cut person when I am almost raped. I was hard to stimulate sexually and too shy to engage what I really want.
The relationship fell out and I moved into a really nice persons house. I got a short term job with high return.
I am 21 years old and meet a man and am physically attracted but am now unemployed. We enjoy walking and music. I meet his family and help them move with the mum's affordable old car. His member was shaped liked a banana in curve and he has foreskin covering his knob whdn erect. He was also maybe 7.5" but it was the shape that was appealing. He was also quite stiff when hard. I explored him for ages, his frenulumn, his bright red knob, the veins on his inner foreskin. His knob which was more balloonish with red coming out of the glands. He was insecure about his member and he would not pee in public urinals because of it. He sometimes had difficulties achieving climax. His orgasms seems more intense given his facial expressions and reactions from his member. I understood how good it was to be intact on some level.
I moved in wish his family, but it was strained. Later he and I moved into a house with his sister. I would travel to see mum every two weeks or so but I was very lonely. I have no friends circle. My partners mum gets me a job as a traffic controller. I work hard and am promoted quickly.
2012 I am 24 years old and living with my partner with the banana dick. We luve by ourselves. Our sex life is fading, I am upset over being cut, because I am comparing myself to my intact partner. We engage in 3 ways with other men. I strictly want to see other uncut men but they are impossible to find.
We had a 3 way with a cut man (around age 35) who precame like a tap, it was a lot. I wondered why it happened because I find most cut guys dont precum at all.
We had a 3 way with a identicle twin, we played board games aswell. I slept with the other identicle twin a year or two later when I am single. They are both uncut but have variations in their penis ie length. Also one has a six pack the other a beer gut.
One day i came home from traffic controlling, and find my banana dick boyfriend making out with another guy. We had reservations to only play together and it broke my heart. Our relationship was already difficult because of my declining sex drive and me being upset over being circumcised. He moved out to his parents place.
We got back together a few times. One day his mother called and told me she was about to tell her son that his brother commited suicide. He collapsed into my arms. I was terrible at consoling him. I dont know how to express positively or communicate but I did my best.
Things are not working in the relationship and we end up apart.
I am still upset over being circumcised. It eats away at me. I am very depressed. I hide everything about that during work and I never discuss it with anyone but my banana dick ex and a few of the 3some guys we had. I am working almost full time in traffic control and have been for 2 years. when i go home I eat and sleep. I sometimes train in martial arts for health occasionally but mostly I jave never been in a physical fight.
I remember while working. I was crying about being circumcised when i came home everyday before bed. . . And for 3 months I woďuld cry for an hour into my pillow. My eyes would be raw. I would think about the forskin and what I had lost because of being circumcised. I knew having a foreskin was pleasurable and that intact is better. I know I am not very bright sometimes, it is about 10 years since I discovered my foreskin was removed. I have always wanted my foreskin. It is only now that i am grasping what position I am in and i am in despair.
I attempt restoration using tapes, and suspenders. I am still working almost full time as a traffic controller and trying to restore. I am set back because the skin is fragile. I do this almost everyday for 8 months but am discouraged. It is hard work introducing and in maintaining. Its time consuming and frustrating and inconvenient. Results are not immediate and i know foregen will likely never help me. So i do not touch restoration again ( I'd done some tugging excercises when I was younger but I do not think it did a lot)
While living alone for the first time, I get with maybe 6 guys. 2 guys are intact.
Christmas day I go to visit my mum and when I come home my house was broken into and robbed. I break down completely and try to hang myself. I sit there with a noose around my neck but I cannot overcome the self preservation instinct and I give up.
I age 25 and it is 2013. I meet a guy who is responsible and cares about me. I am about to be evicted because I am unable to find accomodation (im a little depressed and i jind of want life to be over, I don't want to do anything, life is ruined) and he takes me into his family home. I have trouble communucating with his family. We sleep in the shed and in a tent with a matress. It is camping 24/7, we have a portable stove and couches. We partnered and I explained to him my position on foreskin. He had foreskin and we had fun sexually. He told me knew of another man called Glenny who was a train driver, he killed himself because he was distraught over his circumcision. Also he had seen men throw themselves onto tracks. So he had it rough too.
Eventually i quit my job doing full time traffic control and my friend from college got me a job in IT and computers. I am still camping in the shed
2014 age 26. I am assaulted violently by police after not producing ID one night. I spend the night in hold and witness police negligence. I see a near death who was asking for help many times. I was upsetting to watch. I had court cases while working full time in IT and computers. I became upset over my circumcision and the state of the world and police force and in learning of motives of politicians. I am upset with my ability to find only small ammounts of men with foreskin. I still cannot talk to anyone about this issue. I dwell in the facts of destruction of the foreskin and how good it was.
I told my employers exactly what happened after the assault. They offered phone counciling and reduced hours. I cryed at my desk for 3 whole weeks and could not speak to anyone. I did not return.
I am attending psycology appointments. We discuss circumcision and cover the usual mumbo jumbo. I quite like the psycologist and his approach and he recomends journaling feelings. I now have some books in boses somewhere with random feelings, sketxhes of things i did, also i wrote down court information.
No charge is the outcome but i dont know this til after 2 dozen court appearances and a year court.
2015 age 27 My partner and I fight a lot. I am increasingly distraught over circumcision. I am in dispair. I tell him I am so upset over circumcision and that I want to die. He tells me, " his family cannot come home and find me hanging by the rafters." I do not want to see my family for what they have done and I have nowhere to live. I am unemployed for the first time in my life. I fall into a massive argument with my partner and I am arrested while walking to my mothers (i had nowhere to go). I was assaulted and molested by police and faced another year long court battle with no charge. It was discusting to witness the police action these kinds of things against me and against others that I saw. They invent reasons to earn revenue, they do not care who they hurt and in times when they are really needed they do nothing. I attempt a different anti depressent to combat effects of feelings towards being circumcised and life in general. I develope agrophobia and can barely leave the house to go shopping.
2016 age 28 Met another nice guy who had a romantic interest. By this stage my position is, " I have had 2 real partners who were both uncut. I enjoyed exploring them but I know that doesnt fix me. I have had limited exposure with men and I just want to see a variety of foreskins. He wants to be partners and I dont. He is still a really nice guy. I have introduced all my partners and this friend who wants to be my partner to mum and told them i was into them because they were uncut, i havnt ranted about "foreskin is the most sensitive tissue this" or anything but she knows i am upset over it and that i want it.
2017 age 29 I live with a nice man who wants to date me. I see a dozen or so men but i cannot resolve my feelings towards my circumcision. I tell the man about my foreskin problem. He is supportive. I start telling this man I don't want to live if i'm circumcised. He is a true friend and says things like, "It can't be that bad," or "other people have it worse then you," or "you're such a good person, I couldnt bare if you were gone. My family is your family, you're not alone. We love you."
2018 age 30 I trialed another anti depressent to overcome feelings towards/about circumcidion and life. No effect. Seeing psycologists regularly and also seeing psychiatrist. Got insurance payment for job loss. Squandered it and have money owing to the tax office.
Even with psychology and anti depressents and all the research and experiences; the resounding thoughts are: (and these are thoughts are since age 16 and have always been there)
That life is not worth living, I have a barely function penis that I know has been intentionally damaged in horrific ways. I am always thinking about my circumcision, everyday. Sometimes its literally the first thing I think about when I get up. Always when I shower or am toileting or changing and especially when I make love. I am damaged and I am aware of it, it effects me. I struggle to participate sexually and have struggled for 17 years to make myself feel good. Im missing out on something inherantly part of being a man. I am denied of good feelings and of stimulation and powerful orgasms and of being capable of being stimulated properly by a partner. I am missing out on experiences I could have had when I was younger, like the feeling of having an itch in a weird spot or of water ballooning under the foreskin in the shower or of smelling the subtle smell of the oils that keep my knob sensitive on sweaty used underwear.
I wanted to discover masterbation without discomfort. My organ is dryed up and damaged and is missing. I want a licence that allows me to inspect other men penis because im amputee and deprived and missing that part and I want to use theirs. Make it a disability card.
2019 age 31 I live in a skyrise building. I am staying with a nice man who is understanding that I do not want a partner and he tells me even if he marries someone else that he will still be my family too.
I have not worked for 6 years and have withdrawn all my super annuation. I am looking at my position in life and what is left.
I worked almost full time for 10 years, I am good at working and my ethic will make me successful in any job. I burned out and I know i can never return to full time work.
I am battling everyday thinking about the fact that I was circumcised. My true feelings are that I do not want to live anymore. I am unlikely to suicide because I know the will to self preserve is too strong. Instead I could visit a country where you can pay to be euthanised. I have leafed pamphlets and am only short an application to start the process. It takes money, but I wont care afterwoods.
It will tell those few two or three people that care about me that I am going on a holiday to london to visit a place plentiful with foreskins and then I'll simply never return.
I know I am a good person. I am kind and honest and I help others. I am praised for my character often by others. I do not want to hurt anyone. I want to do good but I do not want to live in pain.
I have explored the solutions like foreskin restoration and not caring and medications and psychology and of cource tried excepting that it has happened and its unfortunate and not my fault and no person should ever have to go through blah. Blah. Blah. I know there is no foregen for me or some miraculous foreskin transplant or penis transplant or circumcision reversal surgeory to undo a circumcision. Theres no cream that will give me 30000 times sensitivity in my cock to replace what was taken. It really is just where the mark hit all this time. I really should have just ended when I was 16 and I found out Nd had no experienced so much pain and agony and despair.
So I have no solution. I know I don't have enough energy to participate in life. I am defeated. I am given up. I know parts of my dick are still sensitive but its not enough. All the hurt, all the bad experiences, the constant thinking about and facts and knowledge of the evil and its effects. The traumas of watching other men as babies lose that precious part of their body. And the screams. I will not forget. Life is just pain for me. There is no family or enjoyment. Just pain.
Im simply floating in life waiting to die. I cannot work. I cannot kill myself. I cant not feel pain. I obsess, I feel bad about my circumcision.
My days are filled distracting myself with video games and with looking at foreskins online. My friend tries to lift my depressed state, but for 10 years I have been proper upset about what has happened. There is no support. No doctor understands, they are awkward about the subject of circumcision too.
There is no support group to talk to or forms with tick this box if you require special treatment because your entire life was ruined by circumcision. There is nothing; and how do I go about explaining my situation to a stranger. "Yeah im fine except the true rammifications of circumcsion have pushed me into some type of alice in wonderland, rabbit hole depression shit and inside the rabbit hole each character is some freddie kruger of nightmares that makes my every moment on earth hell. Nightmares like, people who want to ruin the sexual lives of others, being unable to achieve true male orgasm, 30 000 times more nerve endings are lost that would usually be 'tasting an experience' like a tongue tastes food.
I cannot get a real orgasm or be stimulated by partners because they target the best parts so I don't have those. So instead of giving me the correct tool for the correct job, I'm gonna have to macquiver the leftover tissue that is not ideal and use imagination to fuel my drive and somehow replace all that stimulation that is missing from circumcision and feel something good amidst the failing and dismissing of stalling and ill pretend like I havnt had the guts taken out of the motor. I am trying to achieve something and orgasm and enjoy it which should be my human right but instead circumcision has been designed to completely make sure I get no part of any of it.
I'm missing out my entire life. Sex and masterbation is ruined and I will never feel good and to add it all up. It was a 'favor' because we wanted to help you. I truely feel my soul being crushed. I do not know how muh more I can stand.
submitted by AnubisRulzWtf to CircumcisionGrief [link] [comments]

Its a bad day to be an international Rooster Teeth fan. The breakdown of US content/Communication to International.

First and foremost. I have no issues with Gen:lock being on HBO Max. It's an expensive show, with an excellent cast, writing crew and the animation is top quality. If HBO can give it its budget to continue, then I support it. However.
In the recent years and more so in the recent months, the content, communication and overall support for International fans of Rooster Teeth has been dwindling. It's been kinda acceptable to a degree, but with the HBO content announcement, I felt the need to really speak out and point out several issues with how things are running, coming from a fan from down under. An area Rooster Teeth used to have tons of support for, which is now, along with many others countries, being....left out?
First and foremost: Rooster Teeth First. Its price rise peeved off a lot of people. That's not mistake. But now, with no Gen Lock and more and more uncertainty on what shows we do get access to and don't. I honestly am scared to subscribe for a month, let alone the 'Yearly First + subscription'.
As pointed out very apparent when it was announced. Live Broadcasts are almost impossible to watch, Early access to events and such is useless unless you are going to RTX Austin (something I will point out again later on), we know nothing of 'exclusive content' yet and honestly, the quietness of it is very concerning. And the rest, outside Early Access to videos, is not really worth the price.
Then you have +, which adds 50% off shipping for international users (something I will point out later on). Now I did a test run of shipping and it was $23 USD. Half it to $11.50, thats cheap, right? Well, add in its USD and its 16.50. Cheap? yes and no. Its still USD and it's only shipping, the product themselves work out adding alot to the cost alongside that. But the real kicker.
Its $11.50, with the premium account discount. Its, normal price, no discounts whatsoever, $8.50 AUD on the ANZ store. We end up paying more, and forced to at this point, to buy a premium membership to really make purchasing merchandise something useful. (and I will mentioned the ANZ situation later). BTW, no discount, is almost $34 AUD.
So, I am in this weird position. Am I paying for RT First for merchandise? That should not be right. And if you are a fan who is not into merchandise, then, who or what is RT First/+ for in regards to international users?
I just, at the current moment, find the Rooster Teeth First membership, something I have had for years, worthless now. Unless I want to give them more money, which is a staggering and just wrong way to look at it.
Oh and I must mention the game. While I don't blame Rooster Teeth in any way for the disaster Vicious Circle became, but using a game with a 1 player in 24 hours peak as a selling point also really downgrades the +. Not there fault, but damn, change it or add something. Its depressing (don't remove the game, not that I believe it can be revived, but its not a selling point anymore, its dead)
And I won't even mention the lack of support for the apps and the website streaming for many users.
Second: The ANZ Store. Hanabee is dead. Or its Relationship with Rooster Teeth is at least. According to former staff of the warehouse (and they mentioned it was rumours, but I believe 'not sure if we can mention this, but whatever' way) that Rooster Teeth took back the licence for merchandise. The store will sell stock till its out (its currently only got old stock) and no merchandise will be sold in stores or on the online store in regards to new products. They also mentioned the UK store is suffering the same fate. (to further backup this claim, Dungeon Crawl, who apparently had warehouse space next to Hanabee was selling its merch early this year at a con and now its all gone, staff mentioned that most likely purchased stock that never sold)
Now thats fine they wanted to gain the rights back, its business, I won't comment or even really fault them in any way for this. I will however point out.
We were never told this. Hanabee shut down quietly, we were never told to not look at the RT ANZ store for new content nor were we told we could no longer buy DVDs in store (while before DVDs were commonly sold in retailers in Australia). It was just gone overnight. I still see people asking if they will be adding a specific product to the store only for someone to mention, its dead. Then you have cons, all merch are gone from cons in Australia, a place many, including myself purchased merchandise. 70% of my merch is from cons and now, nothing. The only change I can see is Sony is now distributing DVDs, starting with Gen:Lock.
Now, even if you point out that they had no right to announce the partnership ending and that the stores were being basically open till sold out. A common courtesy would be to announce to fans. But the other problem is the same as above.
The Stores were open because of the insane prices of shipping and products when converting from USD. And also the wait times. With these stores closing, we go back to square one, unless people pay up. While USD people get FREE shipping. Now I know Free shipping is a big ask and impossible, but the fact remains is with the stores gone, we end up paying more unless we pay for First. Which still is not cheaper than the original ANZ shipping price AND First + or First itself lacks anything else worth subscribing for.
Thirdly: Price and Content coming here. We lost RTX, thats fine. Its expensive, its pricey, its a pain in the ass to organise. We (maybe) lost LPL, thats also fine. We lost the store. Thats...a pain in the wallet, but overall fine. We lost con merch and Rooster Teeth in the spotlight at cons (they once had a booth at Pax that rivaled the big booths and this year, nothing, not a single ROoster Teeth booth or merchandise to buy). Thats fine.
But Content and how we access it. This is more of a re-cap for 1. But Gen Lock was, unofficially, shouted as the "get First to see Season 2" or really, just Gen:Lock in general. Now its gone. Arizona Circle is 'apparently' no longer a First exclusive, just a delayed release (I can't find information on this outside several comments about it however, I will retract this if someone can clarify this, but if I don't know if its exclusive or not, that's saying something also).
And then you do have HBO Max. How many shows will it suck up? Because as far as I can tell, Australia, and many other countries are not getting it anytime soon. Which, for an internet show with a dedicated fanbase, is a disaster. You only need to look at RWBY and its free/paid split of viewers to see when a show is ostracized between viewers, it causes problems. Now thats not Rooster Teeths fault, as mentioned, Gen:Lock needed the budget and boost. But its a slippery slop.
Now if they are to be seen as this "Production Company" as someone mentioned in another, well written post. Then they need to think of the international viewers when making these deals. And this is not a 'Rooster Teeth' thing, many companies put in plans for its international viewers when the show rights were US exclusive to a streaming site.
Star Trek Discovery - Exclusive to CBS All Access in US, in Australia, it was released via Netflix (with simultaneous releases)
Titans (A WB property) - Exclusive to DC Universe in the US, released in Australia on Netflix (annoying however it was after it aired, but was announced before it aired so people knew)
Riverdale - Actually on TV in America but was distributed on Netflix, same day as the US in Australia on Netflix.
The Twilight Zone - Distributed on CBS All Access in US, Australia got it with some episode delays on Ten All Access.
Now the problem might be WB. Titans, Swamp Thing and Doom Patrol never hit Australia while almost every other streaming show finds its way here. Rooster Teeth needs plans like this for Gen:Lock if countries are not going to get it.
This is more of a foreboding then a complaint. They might be right now organising that. Or maybe HBO Max is coming internationally very soon and my complaint is all for nothing. That's what I hope, but I fear, its not going to be the case.
To wrap this up. I am not singling out a specific issue nor am I saying to fix them all now. I am saying, one by one, we are getting these holes in our relationship with Rooster Teeth, The price increase with no benefits, the removal of the RT ANZ store, the removal from cons, the exclusive rights to Gen:Lock being basically region locked. And its all kinda getting depressing.
Maybe I am wrong, maybe this is all on me and my viewing of things. I would love to hear other voices and opinions. Maybe someone can ched lights on my issues. But I had to speak out still.
Sorry for the long post.
td:dr: Rooster Teeth, over 1-2 years, has been dropping support for the international crowd (or in my experience, Australia, but I believe it should effect most countries the same) without clarifying anything or fixing anything.
submitted by Cabooselololol to roosterteeth [link] [comments]

Inquiry about the new Ubisoft terms of services.

I was reading through the terms of services email that was sent to my by ubisoft, and was intrigued to see that in section 11 that they are essentially saying that any content that is created by a user (videos, memes, etc etc) would belong to ubisoft if they include content from their video games. They are claiming that they would become the sole IP owners, regardless of if they assisted in the creation of it or not.
https://legal.ubi.com/termsofuse/en-INTL
What is most interesting to me is this line:
d) In the event that a competent court rules that some or all of your rights in Derived UGC cannot be validly transferred to us, you hereby grant us a perpetual, royalty-free, exclusive, irrevocable, transferable, sublicensable to other users, worldwide licence to use, copy, host, reproduce, represent, modify, display, distribute, publicly perform, publicly display and, in general, otherwise exploit, online and offline, Derived UGC for any purpose, without you necessarily being mentioned as the source of such Derived UGC.
Now, my question... is this legal in Australia? I'm just curious.
I'm open to discussion about the topic (as long as the bots allow it)
submitted by Sneakybastad to AusLegal [link] [comments]

online gaming licence australia video

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Any person or organisation that intends to conduct gaming activities, work in the gaming industry, or supply liquor in Victoria must apply for a licence or permit. Applicants are advised to lodge liquor licence applications at least eight weeks in advance. As a licence is granted through an agreement with the government, the terms licence and agreement mean the same thing. Format of applications. There is no standard form for applying for an internet gaming licence. Instead, you must prepare a submission which provides detailed information about all of the following areas, and attach relevant Basic Gaming Training must be undertaken by all NEW gaming employees and gaming managers within 3 months of being appointed as a gaming employee or gaming manager. Employees who have successfully completed the Attend Gaming Machines and Provide Responsible Gambling courses prior to the introduction of the new training requirements (which is A hotel and club licence are the two types of licences that allow you to operate gaming machines. Gaming related licences If you are involved in manufacturing, selling, servicing or testing of gaming machines, you must have an appropriate gaming-related licence. You need a licence to operate an internet gaming business in the Northern Territory (NT). An internet gaming business is one which uses the internet to conduct any or all of the following activities: a lottery; a game; the sale of tickets in a lottery or foreign lottery. It does not include gaming by an approved association or a trade lottery. Employees must hold a gaming industry employee licence if they are employed by, or working for a venue operator, the monitoring licensee, or a gaming machine services provider. What you need to do To get a new GIE licence, you'll need to get a police certificate, a credit report, a colour passport photo and complete the online application. An online casino is required to apply for a gambling license in order to be legally allowed to process payments and to use the gaming content of the biggest software providers. Online casino gaming is prohibited in Australia under the Interactive Gambling Act 2001 (Cth) (Interactive Gambling Act). However, a person may still apply for an ‘internet gaming licence’ in the Northern Territory and offer their gaming products outside of Australia in certain circumstances. (See detailed response below table.) Poker. ACMA. To own and operate gaming machines in South Australia you must have a gaming machine licence and hold gaming machine entitlements. Each gaming machine licence specifies the maximum number of gaming machines approved for a venue. The most any venue can have is 40 machines. A gaming venue licence and a permit/license for each gaming machine is required in order to operate gaming machines within Australia. The number of gaming machines in each state and territory is strictly regulated and the number of machines one venue is allowed to operate is limited based on the type of licence. For more information visit https

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online gaming licence australia

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