To change or not to change

When I created my spreadsheet in Google Sheet, I chose to set a fixed exchange rate of 1 USD equal to 10 SEK, which was generous at the time. Since 2017, I have had tolerance on my side, but this year the exchange rate has fallen below 10 SEK.

According to wise.com, the lowest level of 1 dollar against the Swedish krona so far this year is 9.2267 SEK, reached on September 17. This means that we will miss our dividend target for almost every month, except for the first three months of the year.

The future exchange rate as of December 31, 2025 determines whether I will adjust the fixed exchange rate in my Google Sheet for the first time.

AI generated image with Grok

Despite the setbacks, I have continued my search for a job

The Swedish krona continues to punish us. Aside from 2022, it has been challenging financial years since 2020 for us. During 2025, our portfolio value has reached ATH calculated in USD on several occasions, while converted to SEK, the portfolio value has decreased significantly in value compared to the turn of the year 2024/25.

Given how the recession has deepened in Sweden in 2025, I am humbly grateful that we managed to sell our condominium premises earlier this year, and at the price we had set. Since I'm not made for not working, I've been looking for a work every week since April of this year.

Of all the applications, I have only been invited to one personal meeting, all other applications have been met with quote "due to the large number of applications, you have not been selected to proceed in our recruitment process" unquote. Unfortunately, I only came in second place, which in practice means first place loser.

Some analysts say the economy will improve as early as next year, while others say it will take until 2027 for the job market to improve.

AI generated image with Grok

I am so proud

We are incredibly proud of the world's most perfect teenager. Last Monday, he passed his driving test on the first try. Even though he and I have done a lot of practice driving and his driving instructor thought he should pass the driving test without any problems, it is always uncertain, depending on several variables.

In addition to factors that the offspring himself can influence, such as nervousness, etc., there are external factors that are completely beyond his reach. For example, the driving examiner at the Swedish Transport Administration may have a bad day and fail the student for no real reason, and since the driving examiner is alone with the student during the driving test, it is impossible to prove that the decision is incorrect. Luckily, he got a driving examiner who was absolutely fantastic.

When Junior was 6 years old, we promised him that if he didn't start smoking or using snuff, we would pay for his driver's license and buy him a car. However, the offspring chose to renegotiate the agreement 6 months ago, instead of a car he wanted full access to our Tesla and $1000 invested in his endowment insurance. This has meant that we have been without a car for exactly a week...

AI generated image with Grok