NSA leaks: What do they mean to me?

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With all the controversy regarding the United States National Security Agency and the Snowden leaks, I am a little curious about what do the leaks actually mean to me? There has been a lot of talk about how it affects civilians, criminals and terrorists alike, but I am feeling like I have missed the big picture. I am also not hundred per cent certain on which elements (if any) affect civilians in foreign countries. This is the part that concerns me most, since I live in Finland.

I would also be interested in knowing how you you/your friends/family/people have reacted to this whole mess, and reacted to it in your use of different communications methods. Just trying to get some sense of how serious this whole thing actually is, and what actions I should as a private person take.