Affiliate Marketing vs MLM - amvsmlm.com

READ THIS FIRST: Official Frequently Asked Questions and Answers - Important Up to Date Information You Need To Know about EIDL

\*LAST UPDATED 7/14**)

OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL


PURPOSE:
This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis.
Please post any questions not covered and I will respond and add them here.

INDEX OF QUESTIONS:

  1. How do I get in touch with customer service phone support?
  2. What are my chances of being approved for this loan? Can I know in advance?
  3. I received a decline letter for “Business activity not eligible”. What can I do?
  4. How is the loan amount calculated? How can I request a specific amount?
  5. What is the maximum loan amount?
  6. When will I get my portal invite?
  7. I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
  8. I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
  9. Does contacting my congressmen or senator actually work?
  10. I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
  11. I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
  12. Who are you, cue378? Can you help me?
  13. My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
  14. How do I show support for the volunteers and moderators for EIDL
  15. I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
  16. I was declined for "unsatisfactory credit". What are my options?
  17. What documents are required? Will a loan officer contact me?
  18. What is the status of the Advance/Grant program? Can I still get a grant?
  19. What are the eligible uses of EIDL funds?
  20. I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
  21. What is CAWEB and how can it help me track my loan disbursement and other status?
  22. I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?



1. QUESTION: How do I get in touch with customer service phone support?
ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way.
Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made.


2. QUESTION: What are my chances of being approved for this loan? Can I know in advance?
ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are.
Underwriters look for the following:
-Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570.
-If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount.
-Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster.
-Business start date must be prior to 1/31/20
-open bankruptcies = Declined. Closed OK.
-Arrest for felony < 5 years = Declined
-Arrest for misdemeanor < 5 years = Declined
-Sole proprietors with delinquent child support > 60 days = Declined
-Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined
-Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business.
-Your business type must not be on the list for ineligible business activity. See list on FAQ.
-All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made.


3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do?
ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified.

The following applicants are not eligible for EIDL assistance.



4. QUESTION: How is the loan amount calculated? How can I request a specific amount?
ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:
  1. Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
  2. Not for Profit: 6 months operating expenses year prior to 1/31/20
  3. Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
  4. Agricultural businesses: 6 months operating expenses year prior to 1/31/20
If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED"

5. QUESTION: What is the maximum loan amount?
ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here.

6. QUESTION: When will I get my portal invite?
ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over".

7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT an approved offer. It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.

[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]
Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases.
You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval.


8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. As of 6/10 we are seeing extended delays in processing time and obligating stage specifically. The average we are seeing is around 14-16 days total in processing. If your application has been in underwriting for greater than 14 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.


9. QUESTION: Does contacting my congressmen or senator actually work?
ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes.


10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
ANSWER: Yes, but two factors are important:
  1. You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
  2. You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are strongly preferred if available.
****The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.****
*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP.
If you meet the above two criteria contact me via email at [[email protected]](mailto:[email protected]) with your Reddit username in the subject and put COGS REVISION REQUESTED in the subject line. I will respond and give you private advice on the matter.


11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit.
UPDATE: As of 6/15 there is now a way to fix this. See question 13.

12. QUESTION: Who are you, cue378? Can you help me?
ANSWER: I am a small business owner who is a full time volunteer offering to assist in the EIDL process. I have experience assisting hundreds of other business owners in applying for and getting approved. I am sharing the information, strategies, and general knowledge I have gained over the course of 2 months. I do not work at the SBA nor do I have any affiliation with the SBA.
Do to an extreme flood of requests for help, I may not be able to answer PM's or chat requests. I have setup an email you are welcome to contact me on, but due to the volume I may not be able to respond right away or at all. My email is [[email protected]](mailto:[email protected])
Some people have asked how they can support my efforts. While I do not ask for donations, our subreddit founder decided to setup a tip jar in case people want to show their support. To be clear I do not ask for donations for my help, but if you decide to spare anything I do appreciate it greatly. The tip jar can be found HERE.


13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster.


14. QUESTION: How do I show support for the volunteers and moderators for EIDL
ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, a separate tip jar can be found HERE. Proceeds for this jar will be split between u/innocul8 and u/Scorpio14534. Donations in this jar do NOT go to Cue. Any amount is very appreciated. It takes a great deal of time and effort run the community and they are putting in a near full time effort.

15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
ANSWER: Follow these steps:
  1. Open the email to create your portal account. Right click on the green button that says, "create your account". Click "copy link address" or "copy hyperlink" depending on your browser.
  2. Use a VPN service, such as NordVPN or ProtonVPN (free), to connect to a VPN server in different state than yours, preferably on the opposite coast you are located.
  3. Open an incognito browser window, or private browser session if on firefox.
  4. Right click on the URL/web address field and paste the link you copied. Hit enter.
  5. You should then successfully be able to create a login, enter the portal, and accept your offer.
Alternately if you don't have a VPN or want to use one you can use a mobile phone to login incognito, with WiFi off on a cellular network, to create the account.

16. QUESTION: I was declined for "unsatisfactory credit". What are my options?
ANSWER: You have a few options.
  1. You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
  2. You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.
You can expedite your request for a co-borrower by having this ready to go. You can also do this preemptively if you expect to be declined for credit. The co-borrower does NOT have to be involved with the business and can be anyone. The form is available here:
SBA Form 3501 - Adding Co-Borrower
Only fill out the following:
Line #14 - Add the co-borrowers information under owner #1
Line #15 - Answer question for co-borrower.
Line #16 - Answer question for co-borrower.
Sign page 10, co-borrower signs.
Ownership percentage can be 0% if co-borrower is not part of business.
Attach and send with your co-borrower request to [[email protected]](mailto:[email protected]) with your application number.
NOTE: If you have an urgent need to have your co-borrower request expedited, please email me at [[email protected]](mailto:[email protected]) with the subject line: "ADDING CO-BORROWER REQUESTED URGENT" I will respond within 24 hours.

17. QUESTION: What documents are required? Will a loan officer contact me?
ANSWER: In most cases no documentation is required and everything is self certified. In some cases a LO will need to contact you to clarify some things about your business or request specific documents. In most cases you will never be contacted by or communicate with a loan officer.


18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant?
ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible.
For older applications please see this post for more information:
https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/

19. QUESTION: What are the eligible uses of EIDL funds?
ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion.

20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify.
If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and request reactivation of your application. I can assist with this process. You need at minimum Profit and Loss statements for the period 12 months prior to the disaster starting 1/31/20. Email me at [[email protected]](mailto:[email protected]) with the subject: COGS DENIAL REVERSAL REQUESTED. Include your Reddit username. I will respond with instructions on how to file this amendment.

21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status?
ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan.
****Hat tip to u/tahoechick36 for this amazing write up*\*
Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding.
Visit caweb.sba.gov or click the link at the top of EIDL
Setting up an account:
You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.”
SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up.
If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.
  1. On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
  2. Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
  3. Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
  4. For user type - select "borrower" from the drop down menu.
  5. Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
  6. For the country code in the phone number section enter "1" for the United States.
  7. Financial commitment ID is your Loan # - 10 digits.
  8. If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.
If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain.
But if it takes it, you're in! There may be a verification step now as well.
Finding your loan on CAWeb
  1. On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
  2. Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
  3. PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".


22. QUESTION: I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?
ANSWER: This is a known bug/error normally relating to either getting the invite ahead of schedule or other missing information in your file that would prevent the account creation from moving forward. Tier 2 cannot solve this and it need a special approach to resolve. Please email me with the subject line: "USER ACCOUNT HAS NOT BEEN CONFIRMED". Include your reddit username in the email somewhere. My address is [[email protected]](mailto:[email protected])



submitted by cue378 to EIDL [link] [comments]

IS ____ AN MLM? SEARCH HERE. (MEGA THREAD)

For a quick, easier search - http://www.isthisanmlm.com/ has compiled this whole thread. Special thanks to u/SHIFTnSPACE. - This is now a part of the sidebar as a button widget!

What is an MLM?

Multi-level marketing (MLM), also called pyramid selling, network marketing, and referral marketing, is a marketing strategy for the sale of products or services where the revenue of the MLM company is derived from a non-salaried workforce selling the company's products/services, while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system. ​
THIS LIST MAY CONTAIN COMPANIES THAT HAVE PREVIOUSLY HAD MLM BRANCH BUT MAY NO LONGER HAVE ONE.
If you see a company and are not sure that it belongs on this list, please reach out. I have compiled this list from the sources listed at the bottom along with input from community members. This list may not be 100% accurate but the goal is to get it as close as possible.
31 - Bags
5Linx - Home & Business Services
Abby & Anna - Clothing
ACAN Pacific - Utilities
ACN - Utilities
ActiLabs - Skincare/Health
Adornable.U - Accessories
Advocare - Dietary Supplements
AeroGrow - Garden Tools
Agnes & Dora - Clothing
AIM Global - Nutritional Supplements
Akasuka (Japan) -
Alcone - Beauty
Alice's Table - Flower Arrangement Classes
All'asta - Home Goods
Allysian Sciences -
Aloe Vera of America (Young Living) - Nutritional Supplements
Aloette - Beauty
Alphay Int - Nutritional Supplements
AlureVe - Skincare/Health
Amare Global - Nutritional Supplements
Ambit - Utilities
Amelia James -
Ameo - Essential Oils
American Income Life - Financial
Amsoil - Motor Oil
Amway - Health/Beauty/Home Goods
Ann Summers - Product
Ann Summers (UK) - Adult Novelties
Anorak (UK) - Home Goods
Anran (China) -
Apollo (India) - Juice
Apriori - Skincare/Health
AquaSource UK - Nutritional Supplements
Arbonne - Skincare/Health
ARIIX - Water Purification
Arsoa Honsha (Japan) - Fitness/Weight Loss
Asea Global - Nutritional Supplements
Asirvia (shut down) - Marketing
Aspire/Digital Altitude - Marketing
ATC Coin - Crypto Currency
Athena's - Adult Novelties
Atomy - Skincare/Health
Ava Anderson -
Ava Rose - Clot
Avisae - Weight Loss
Avon - Beauty
b:hip Global - Health
Bachar Nutrition - Nutritional Supplements
Bamboo Pink - Jewelry
Barefoot Books - Books
Bath.Ologie - Bath Bombs
Beach Body - Fitness/Weight Loss Videos
BearCereju (Japan) - Cosmetics
BeautiControl -
Beauty Counter - Cosmetics
Beauty Society - Beauty
beCAUSE Cosmetics - Cosmetics
Become International (US & AUS) - Cosmetics
Bedroom Kandi - Adult Novelties
Beever (UK) - Hair Care
BelCorp (Latin America) - Cosmetics
Bellame - Skincare/Health
Bemer - Appliances
Better Way Design/Imports - Clothing
Biogreen Argentina -
BioPerformance - Automotive (Fuel Pills)
Bod-e Pro - Nutritional Supplements
Body by Vi/Visalus - Health
Body Shop at Home - Beauty
Boisset Collection - Wine
Boston Finney (shut down) -
Bounce Life/Network - Insurance
Bud Star (Canada) - CBD/THC Products
BurnLounge (shut down as pyramid scheme by FTC in 2012) -
Buskins - Clothing
Butterfly Beauty - Cosmetics
Cabi - Clothing
Cambridge Weight Plan/Diet - Dietary Supplements
CAN - Utilities
Captain Tortue - Clothing
Carico Int - Home Goods
Celebrating Home - Home Goods
Cellements - Skincare/Health
CEO Movement (Not MLM but scammy) -
Chalk Couture - Chalkboard Signs
Chalky & Co - Home Goods
Chandeal (Japan) - Clothing
Charle (Japan) - Clothing
Charlie's Project - Clothing
Chef's Toolbox (AUS) (Insolvency) - Kitchen Accessories
Cherish Natural Products -
Chloe & Isabel - Jewelry
Clever Container - Home Goods
Close to My Heart - Scrapbooking
Cloud 9 Parties - Adult Novelties
Cobra Group/Appco -
Cocoa Exchange - Food
Color by Amber - Jewelry
Color Happy -
Color Street - Nail Wraps
Colour Me Beautiful (UK) - Clothing
Compelling Creations - Jewelry
Conklin - Roofing
Cookie Lee (shut down) -
Cosway (Malaysia) - Health/Beauty/Home Goods
Country Scents - Product/Candles
Create Your Life - Health
Creative Memories - Scrapbooking
Credit Repair USA - Financial
Crunchi - Cosmetics
Cutco - Knives
CVSL - Multiple Companies
Daisy Blue Naturals - Personal Care
Damsel in Defense - Product/Self Defense
Darceys - Candles
David Lerner Associates, INC - Financial
Dazzle and Daze - Clothing
Deutsche vermögensberatung/Dvag (Germany) - Financial
Diana (Japan) -
Dione Cosmetics - Cosmetics
Direct Cellars/DC Nation - Wine
Discovery Toys - Educational Toys
Divvee/Nui -
Dot Dot Smile - Clothing
DoTERRA - Health/Oils
Du Northing Designs - Clothing
Dubli Network - Financial
Dudley Beauty - Cosmetics
DXN - Health/Beauty/Home Goods
Dynamic Essentials -
EcoWarehouse - Home Goods
Elepreneuer -
Elk River Soaps - Personal Care
Ella Tina - Clothing
Elli Kai - Clothing
Elvacity - Nutritional Supplements
EmGoldEx/Global Intergold -
Enagic/Kangen Water - Ionized Water
Endless Xpressions - Clothing/Accessories
Enersource Int - Nutritional Supplements
Enjo (AUS) - Cleaning Producs
Envy Jewelry - Jewelry
Epicure (Canada) - Food
Equinox International (dissolved in 2001) -
Ergo (Germany) - Insurance
Essante Organics -
Essential Bodywear - Clothing
European Grouping of Marketing Professionals/CEDIPAC SA (dissolved 1995) -
European Home Retail (dissolved 2007) -
Evanescence Network - Health
EVER Skincare - Skincare/Health
Evolution Travel - Product
EvolvHealth - Health
Faberlic (Russia) - Health/Beauty/Home Goods
Family First Life - Insurance
Family Heritage Insurance - Insurance
Fantasia - Adult Novelties
Fantasia (Canada) - Adult Novelties
Farmasi -
FES Connect - Financial
Fibi & Clo - Footwear
Fifth Ave Collection - Jewelry
First Fitness Nutrition - Dietary Supplements
Fit4Mom - Clothing
FITTEAM Global - Dietary Supplements
Flamingo Paperie - Art
Fleuresse -
FM World (UK) -
For Tails Only - Pet Supplies
Forever Living - Health/Oils
Forex Education (iMarkets Live branch) - Crypto
Forex Entourage - Financial
Fortune Hi-Tech Marketing (dissolved 2013) -
Four Oceans - Health
Fragant Jewels - Bathbombs
FreeLife - Nutritional Supplements
Frontrow -
Fuel Freedom Int - Automotive
Fund America (Bankrupt 1990) -
Gano Excel - Nutritional Supplements
GelMoment - Beauty
Gemstra - Jewelry
Genesis Pure - Nutritional Supplements
Global Legacy Initiative -
GoDesana - Pet
Gold Canyon - Product/Candles
Golden Days (China) - Health
Grace & Heart - Jewelry
Green HoriZen - CBD
Greeting Cake Company - Cake Kits
H2O At Home - Personal Care
Hale - CBD Oil
Hanky Panky Parties (Canada) - Adult Novelties
Happy Coffee - Coffee
Harvard Risk Management (Legal Shield) -
Hayward's Gourmet Popcorn - Food
HB Naturals - Health
He(L)o - Health
Healthy Peach - Dietary Supplements
Heavenly Chia - Food
Heka Corp - Fitness
Helo Wristbands - Health
HempWorx - Health
Herbalife - Health
Heritage Makers - Scrapbooking
Hinode - Cosmetics
Holiday Magic (shut down) -
Home Interiors - Home Goods
Honey - Beauty
Honey & Lace - Clothing
Hualin Biotech (China) - Health
iCoinPro - Crypto Currency
ID Life - Health
Igniting Passion (Canada) - Adult Novelties
iMarketsLive - Financial Trading Software
Immunotec - Health
Imperial Candles (UK) - Candles
In a Pikle - Bags
Income Advantage -
India Hicks - Product/Accessories
Infinitus - Health
Initials, Inc - Bags
Inkd Up Nails - Beauty
innov8tive nutrition - Nutritional Supplements
InteleTravel - Travel
Intimo (AUS/NZ) - Adult Novelties
Isagenix - Dietary Supplements
ItWorks! - Health
J. Elizabeth - Clothing
J. Hilburn - Clothing
J.R Watkins -
Jafra - Beauty
Jamberry - Beauty
Jamby - Clothing
Jamie at Home (shut down) -
Janice Collection - Home Goods
Java Momma - Coffee
Javita - Coffee
Jbloom - Jewelry
Jequiti - Cosmetics
Jerky Direct -
Jeunesse - Beauty
Jewel Kade (31) - Jewelry
Jewelscent - Product/Candles
JK Apparel (Canada) - Clothing
Jordan Essentials - Beauty
JoyMain (China) - Health
Joyome (Plexus) - Beauty
JuicePlus - Nutritional Supplements
Jump Natural - Health
Kaesar & Blair -
Kalaia - Skincare/Health
Kalo & Co - Pearl/Jewelry
Kangen Water -
Kannaway - CBD Oil
Karat Bars - Gold
Kaszazz - Scrapbooking
Keep Collective - Jewelry
Keep Me Safe - Cos
KETO (Pruvit) -
Keto Coffee - Coffee
Ketones - Health
Kirby - Vacuums
Kleeneze - Home Goods
Kobold (Vorwerk) -
Kyani - Health
Labella Baskets - Home Goods
Lady Godiva Beauty - Cosmetics
Lavylites - Beauty
L'BRI - Beauty
LeadUp Consulting -
Legal Shield - Legal Services
LegArt (Canada) - Leggings
Legend Age (China) -
Legging Army - Clothing
Legging Girl - Clothing
Lemongrass Spa - Beauty
LeReve (Canada) - Cosmetics
Le-Vel (Thrive) - Health
Lia Sophia (dissolved) - Jewelry
Life Abundance - Pet
LIFE Leadership - Financial
Life Tree World - Food
LifeBrook -
LifePlus (US/Germany) - Dietary Supplements
Life's Abundance - Pet Supplies
LifeVantage - Dietary Supplements
Lilla Rose - Jewelry
Limelife - Skincare/Health
Limu - Health
Limu - Nutritional Supplements
Linen World - Home Goods
Lion Crown -
Lipsense - Beauty
Liv International - Travel
Live Sore - Clothing
Longabeger Company - Baskets
Longrich (China) - Beauty
Lorraine Lee Linen - Home Goods
Love Winx - Adult Novelties
LR Beauty & Health - Beauty
LuLaRoe - Clothing
Lulu Ave - Jewelry
Luminess - Cosmetics
Lyconet/Lyoness -
Lyoness - Financial
M. Global (Jamberry) - Jewelry
M. Network - Nutritional Supplements
Maelle Beauty - Beauty
Magnabilities - Jewelry
Magnolia & Vine - Jewelry
Makeup Eraser - Cosmetics
Man Cave - Kitchen Accessories
Mannatech - Dietary Supplements
Mark. - Financial
Market America - Health/Beauty/Home Goods
Marly Ray - Pearl/Jewelry
Marvelous Mouse Travels - Travel
Mary & Martha - Home Goods
MaryKay - Beauty
Maskara - Beauty
Matilda Jane - Clothing
Max & Madeleine - Skincare/Health
Maxwell Clothing - Clothing
MCA - Financial
Medifast - Nutritional Supplements
Melaleuca - Health/Beauty/Home Goods
Metabolife (dissolved in 2005) -
MiA Bath and Body (Closed) -
mialisia - Jewelry
Miche EU - Accessories
Miki (Asia) - Nutritional Supplements
MOA Nutrition - Nutritional Supplements
Modere -
MojiLife - Essential Oils
Monat - Hair Care
MonaVie (went into foreclosure 2015) -
Morinda Bioactives - Personal Care/Dietary Supplements
Motives Cosmetics - Cosmetics
Multpure - Water
My Club 8 - CBD Oil
My Daily Choice - Nutritional Supplements
My LALA Leggings - Clothing
myEcon - Financial
National Safety Associates - Dietary Supplements
National Wealth Center - Education
Natura (Brazil) - Cosmetics
Nature Direct (AUS) - Essential Oils
Nature's Sunshine Products - Dietary Supplements
Neal's Yard Remedies Organic - Beauty
NeoLife - Dietary Supplements
Neora (Nerium) -
Nerium - Skincare/Health
NeVetica - Pet Supplies
New Era (China) - Nutritional Supplements
New U Life - Health
Neways - Personal Care
Nikken -
Noevir - Beauty
Nomades - Jewelry
Noonday Collection - Jewelry
Norwex - Cleaning Producs
Nouveau Riche (real estate investment college) (dissolved 2010 -
Nspire Network - Feminine Products
NuCerity - Skincare/Health
NuSkin - Tooth Paste/Personal Care
Nutriboom -
NXIVM - Financial
Nygard - Clothing
Omnilife - Dietary Supplements
One Hope Wine - Wine
Optavia - Health
Opulenza - Jewelry
Organo Gold - Coffee
Oriflame - Personal Care
Origami Owl - Jewelry
Our Hearts Desire - Jewelry
Paid 2 Save - Travel
Pampered Chef - Kitchen Accessories
Paparazzi - Jewelry
Paperly - Paper
Park Lane Jewelry - Jewelry
Party Girl - Candles
Party Lite - Candles
Party Time Mixes - Food
PartyLite - Candles
Passion Parties - Adult Novelties
Pawtree - Pet
Paycation - Travel
Peach - Clothing
Pearl Chic - Pearl/Jewelry
Peekaboo Beans - Clothing
Perfect (China) - Cosmetics
Perfectly Polished - Beauty
Perfectly Posh - Beauty
Personally Poetic - Jewelry
PHP - Insurance
Pierre Lang - Jewelry
Pink Zebra - Candles
Piphany - Clothing
PixieLane - Clothing
Plexus - Health
Plumeria Bath - Beauty
Plunder - Jewelry
PM International - Health
Pola (Japan) - Skincare/Health
Poofy Organics - Beauty
Powur - Solar Panels
Premier Designs - Jewelry
Premier Financial - Financial
PrimeMyBody - Health
Primerica - Financial
Princess House - Kitchen Accessories
ProDoula -
ProYoung - Health
Pruvit - Health
Pulse Cosmetics - Cosmetics
Pure Haven - Cosmetics
Pure Romance - Product
PureHaven - Home Goods
PUREly - Essential Oils
Purium - Health
Qnet - Nutritional Supplements
Quanjian Natural (China) - Food
RadiantlyYou -
Rain International - Health
Rainbow Vacuum - Vacuums
Real Time Pain Relief - Health
Red Aspen - Beauty
RED Safety - Security
Regal Home and Gifts - Home Goods
Reliv - Health
Reliv - Nutritional Supplements
Renatus Real Estate - Education
RevitalU - Coffee/Health
Riway - Deer Placenta
Robert Kiyosaki -
Rodan+Fields - Beauty
Roland (Vorwerk) -
Rolmex (China) - Kitchen Accessories
Royal Tongan Limu (dissolved in 2003) -
Royaltie Gens - Marketing
Ruby Ribbon - Clothing
Saba - Health/Beauty
Sabika Jewelry - Jewelry
SafeGirl Security - Self Defense
Salad Master - Home Goods
SARSO (India) -
Scentsy - Health/Oils
Schneider's Gourmet World - Food
Scout & Cellar - Wine
Seacret - Beauty
SendOutCards - Gift Cards
Senegence - Skincare/Health
Shakeology (BeachBody) - Dietary Supplements
Shaklee - Dietary Supplements
Shopping Sherlock -
Shrimp & Grits - Clothing
Signature Homestyles - Home Goods
Silpada - Jewelry
Silver Icing - Jewelry
Simple Man - Personal Care
Simply Success Elite -
SimplyFun Games - Education
Skinny Body at Home - Dietary Supplements
SkinSanity/Tomorrow's Leaf - Skincare/Health
Smart Circle -
Smartway -
Solavei (dissolved 2015)[ -
Solvei (bankrupt) -
Sophie Paris (France/Asia) - Clothing
South Hill Designs - Jewelry
Southern Living at Home - Home Goods
SouthWestern Advantage - Education
Sseko - Clothing
Stampin Up - Paper
Steam Energy - Utilities
Steeped Tea - Tea
Stella & Dot - Clothing
Stream Energy - Financial
Style Dots - Jewelry
Success University - Education
Sun Hope (China) -
Sunrider - Health/Beauty/Home Goods
Sunset Gourmet - Food
Sunshine Empire (dissolved 2009) -
Surge 365 - Travel
Sweet Legs - Clothing
Sweet Minerals - Beauty
Symmetry Financial Group - Insurance
Syntek Global - Automotive
T.O.P Marketing Group -
TAG Team Marketing -
Taisei/Green Planet/Kaikisui (Japan_ - Purifiers
Tara at Home - Home Goods
Tastefully Simple - Food
Tavala - Health
Tealightful - Tea
Team National - Financial
TeDivina - Tea
Telecom Plus (UK) - Utilities
Telexfree (bankrupt 2014) -
The Advert Platfrom - Crypto Currency
The Body Shop at Home - Beauty
The Landmark Forum - Health
The Super Affiliate Network - Marketing
Thermomix (Vorwerk) -
Thirty One - Bags
Thrive - Health
Thrive Life - Food
Tiber River Naturals - Beauty
TKO WorldWide -
Tocara (Canada) - Jewelry
Tom James - Clothing
Total Life Changes/TLC - Health
TouchStone Crystal - Jewelry
Touchstone Essentials - Dietary Supplements
Tracy Negoshian - Clothing
Trades of Hope - Jewelry
Tranont - Financial
Transformational Beauty - Cosmetics
Travel Evolution - Travel
Traveling Vineyard - Wine
TraVerus Global - Travel
TriVita - Nutritional Supplements
Tropic Skin Care - Skincare/Health
True Peak Revolution (Europe) -
Truvision Health - Health
TS-Life - Nutritional Supplements
Tupperware - Tupperware
Unicity - Health
United Sciences of America (dissolved in 1987) -
United Warehouse (UK) -
US Health Advisors -
Usana - Nutritional Supplements
Usborne - Books
Utility Warehouse (UK) - Utilities
Valentus - Dietary Supplements
Vantel - Product/Pearls
Vasayo - Health
VectoCutco - Knives
Vemma - Dietary Supplements
viaOneHope - Wine
ViBella - Jewelry
VIC Cosmetics -
Vida Divina - Tea
Vie at Home (closed) -
Virtuity Financial Group (World Financial Group) -
ViSalus (Body by VI) - Dietary Supplements
Vitality Extracts - Essential Oils
VivaMK - Cleaning Producs
Volo - Health
Vorwerk - Home Goods
Votre Belle Maison (UK) - Giftware
Voxxlife - Health
Wakaya Perfection - Health
WakeUpNow (dissolved 2015) -
Watkins Inc - Health/Home Goods
Wealthperx - Travel
Wikaniko - Home Goods
Wildtree - Food
Willing Beauty - Beauty
Winasun - Health
Wine Shop at Home - Wine
Wines for Humanity - Wine
Wink Naturals - Health
World Financial Group/Pinnacle Leadership Development - Financial
World Leadership Group (dissolved in 2008) -
World Ventures/Wealth Wave/TKO WorldWide - Travel
WoTaBu - Travel
XanGo/Ziji - Health
Xerveo - Dietary Supplements
Xoom Energy - Utilities
Xooma - Weight Loss
Xstream Travel - Travel
Xyngular - Health
Yanbal Int - Jewelry
Yandi (China) - Nutritional Supplements
Yelloow - Beauty
Yevo (closed) -
Yofoto (China) - Health
Yoli - Health
Yoonla -
YOR Health - Weight Loss
Young Living - Health
Youngevity -
Younique - Beauty
YTB International - Travel
Zepter -
Zija - Health
Zilis - Health
Zinzino (Scandanavia) -
Zrii - Skincare/Health
Zurvita - Health
Zyia - Clothing
Zyn - Travel
TOTAL COUNT = 594 ​ This list will be continually updated (5/19/2020).
2018 Archived MLM Mega Thread

Sources: https://mlmtruth.org/2018/02/08/the-mlm-master-list/ , https://en.wikipedia.org/wiki/List_of_multi-level_marketing_companies Special thanks to u/Copacetic1515 (I could not stick your thread)

For income disclosure information: Updated 2019 Thread

Other Helpful Links: Discussion about World Financial Group
submitted by antiMLMmod to antiMLM [link] [comments]

The truth behind Puskás Akadémia FC - How Hungarian PM Viktor Orbán stole a legend, built a stadium in his backyard and guided his team to Europe

The 2019/2020 season of the Hungary’s National Football League (NB1) – being one of the first leagues to restart play - came to an end on 27 June. If a casual observer (for whatever reason) decides to check out the final standings, he would be not surprised at the first two positions: record-champion Ferencváros defended their title, while regional powerhouse Fehérvár (Videoton) came in second. However, the third place team, Puskás Akadémia FC might seem unusual and one could think that there is a story behind that. Is there a team named after Ferenc Puskás? Did some academy youths make an incredible run for the Europa League qualification? Well, the observer is right, there is a story behind all this, but it’s absolutely not a fun story. It’s a story about how one powerful man’s obsession with football stole a legend, misused state funds and killed the spirit of Hungarian football. (Warning: this is a long story, feel free to scroll down for a tl;dr. Also, I strongly advise checking out the links, those images are worth seeing).
Naturally, political influence in football has been present ever since the dawn of the sport and we know of numerous state leaders who felt confident enough to use their influence to ensure the successful development of their favored clubs – Caucescu’s FC Olt Scornicesti and Erdogan’s Basaksehir are well-known examples of such attempts. However, I fear that very few of the readers are aware of the fact that Puskás Akadémia FC is nothing but Hungarian PM Viktor Orbán’s grandiose project for establishing his hometown’s club as one of the country’s top teams. Considering that Orbán managed to achieve this goal using state funds in an EU member democracy in the 2000s, one might even say that it might be one of the most impressive attempts of cheating your way through Football Manager in real life. Now that Puskás Akadémia FC escaped the desolate football scene of Hungary and is getting ready for the European takeover, I feel that it’s high time to tell its true story.

Part 1: Part time striker, part time PM

Our story begins in 1999 when the 36-year-old striker Viktor Orbán (recently elected as the country’s Prime Minister) was signed by the sixth-tier side of Felcsút FC residing in rural Fejér County. It might sound surprising that an active politician would consider such a side job, but given that Orbán has been playing competitive low-level football throughout his whole life and has always been known as a keen football enthusiast, people seemed to be okay with his choice for a hobby. Orbán spent most of his childhood in the village of Felcsút (population: 1,800), so it seemed only natural that he would join the team after one of his old-time acquaintances became team president there.
Orbán’s arrival to the club seemed to work like a charm as Felcsút FC immediately earned a promotion to the fifth league. The Prime Minister’s busy program did not allow him to attend every training session and game but Orbán did make an effort to contribute as much as possible on the field – there is a report of a government meeting being postponed as Orbán was unavailable due to attending Felcsút FC’s spring training camp. The 2001/2002 season brought another breakthrough for the side as Felcsút was promoted to the national level of the football pyramid after being crowned the champion of Fejér County. Sadly enough for Orbán, he suffered a defeat on another pitch – his party lost the 2002 election and Orbán was forced to move to an opposition role.
No matter what happened on the political playing field, Orbán would not abandon his club. Just before the 2002 elections, Felcsút was surprisingly appointed as one of the regional youth development centers by the Hungarian FA. Orbán continued contributing on the field as well (he had more spare time after all) but his off-the-field efforts provided much more value for the team as he used his political influence to convince right-wing businessmen that they should definitely get sponsorship deals done with the fourth-division village team.
Club management was able to transform the influx of funds into on-field success: Felcsút FC was promoted to the third division in 2004 and achieved promotion to the second division in 2005. Although these new horizons required a skill level that an aging ex-PM is not likely to possess, Orbán regularly played as a late game sub and even appeared in cup games against actual professional opponents. The now-42-year old Orbán did not want to face the challenge of the second division, so he retired in 2005 – but this did not stop him from temping as an assistant coach when the head coach was sacked in the middle of the 2005-2006 season.
Success on the playing field did not translate to political success: Orbán lost the elections once again in 2006. However, this was only a temporary loss: the ruling party committed blunder after blunder and by early 2007 it became absolutely obvious that Orbán would be able return to power in 2010. Now confident in his political future, Orbán opted for the acceleration of football development in Felcsút – by late 2007 he took over the presidency of the club to take matters in his own hands. Sponsors seeking to gain favor with the soon-to-be PM were swarming Felcsút FC, so the club was able to stand very strong in an era where financial stability was a very rare sight in the Hungarian football scene, accumulating three medals (but no promotion) between 2007 and 2009.
On the other hand, Orbán realized the value of youth development as well, and started a local foundation for this purpose back in 2004 that gathered funds for the establishment a boarding school-like football academy. The academy opened its doors in September 2006 (only the second of such institutions in the country) and Orbán immediately took upon the challenge of finding an appropriate name for the academy.
He went on to visit the now very sick Ferenc Puskás in the hospital to discuss using his name, but as Puskás’ medical situation was deteriorating rapidly, communication attempts were futile. Luckily enough Puskás’ wife (and soon to be widow) was able to act on his incapable husband’s behalf and approved the naming deal in a contract. According to the statement, naming rights were granted without compensation, as “Puskás would have certainly loved what’s happening down in Felcsút”. However, there was much more to the contract: Puskás’ trademark was handed to a sports journalist friend of Orbán (György Szöllősi, also acting communications director of the academy) who promised a hefty annual return for the family (and also a 45% share of the revenue for himself). Ferenc Puskás eventually died on 17 November 2006 and on 26 November 2006 the football academy was named after him: Puskás Academy was born.
Orbán shared his vision of the whole organization after the opening ceremony: “It’s unreasonable to think that Felcsút should have a team in the top division. We should not flatter ourselves, our players and our supporters with this dream. Our long term ambition is the creation of a stable second division team that excels in youth development and provides opportunity for the talents of the future.” Let’s leave that there.

Part 2: No stadium left behind

Orbán became PM once again in April 2010 after a landslide victory that pretty much granted him unlimited power. He chased lots of political agendas but one of his policies was rock solid: he would revive sports (and especially football) that was left to bleed out by the previous governments. The football situation in 2010 was quite dire: while the national team has actually made some progress in the recent years and has reached the 42nd position in the world rankings, football infrastructure was in a catastrophic state. Teams were playing in rusty stadiums built in the communist era, club finances were a mess, youth teams couldn’t find training grounds and the league was plagued by violent fan groups and lackluster attendance figures (3100 average spectators per game in the 2009/2010 season).
Orbán – aided by the FA backed by business actors very interested in making him happy – saw the future in the total rebuild of the football infrastructure. Vast amounts of state development funds were invested into the football construction industry that warmly welcomed corruption, cost escalation and shady procurement deals. In the end, money triumphed: over the last decade, new stadiums sprung out from nothing all over the country, dozens of new academies opened and pitches for youth development appeared on practically every corner. The final piece of the stadium renovation program was the completion of the new national stadium, Puskás Aréna in 2019 (estimated cost: 575 million EUR). Orbán commemorated this historic moment with a celebratory video on his social media that features a majestic shot of Orbán modestly kicking a CGI ball from his office to the new stadium.
Obviously, Orbán understood that infrastructure alone won’t suffice. He believed in the idea that successful clubs are the cornerstone of a strong national side as these clubs would compete in a high quality national league (and in international tournaments) that would require a constant influx of youth players developed by the clubs themselves. However, Orbán was not really keen on sharing the state’s infinite wealth with private club owners who failed to invest in their clubs between 2002 and 2010. The club ownership takeover was not that challenging as previous owners were usually happy to cut their losses, and soon enough most clubs came under Orbán’s influence. Some clubs were integrated deep into Orbán’s reach (Ferencváros and MTK Budapest club presidents are high ranking officials of Orbán’s party) while in other cases, indirect control was deemed sufficient (Diósgyőri VTK was purchased by a businessman as an attempt to display loyalty to Orbán).
Pouring taxpayer money into infrastructure (stadium) projects is relatively easy: after all, we are basically talking about overpriced government construction projects, there’s nothing new there. On the other hand, allocating funds to clubs that should be operating on a competitive market is certainly a tougher nut to crack. The obvious solutions were implemented: the state media massively overpaid for broadcasting rights and the national sports betting agency also pays a hefty sum to the FA, allowing for a redistribution of considerable amounts. However, given that the income side of Hungarian clubs was basically non-existent (match day income is negligible, the failed youth development system does not sell players), an even more radical solution was desperately needed. Also, there was definite interest in the development of a tool that would allow for differentiation between clubs (as in the few remaining non-government affiliated clubs should not receive extra money).
The solution came in 2011: the so-called TAO (“társasági adó” = corporate tax) system was introduced, granting significant tax deductions for companies if they offered a portion of their profits to sports clubs – however, in theory, funds acquired through TAO can be only used for youth development and infrastructure purposes. Soon enough, it became apparent that state authorities were not exactly interested in the enforcement of these restrictions, so some very basic creative accounting measures enabled clubs to use this income for anything they wanted to. Companies were naturally keen on cutting their tax burdens and scoring goodwill with the government, so TAO money immediately skyrocketed. Opportunistic party strongmen used their influence to convince local business groups to invest in the local clubs, enabling for the meteoric rise of multiple unknown provincial teams (Mezőkövesd [pop: 16,000], Kisvárda [pop: 16,000], Balmazújváros [pop: 17,000]) into the first division.
Although it’s not the main subject of this piece, I feel inclined to show you the actual results of Orbán’s grandiose football reform. While we do have our beautiful stadiums, we don’t exactly get them filled – league attendance has stagnated around 3000 spectators per game throughout the whole decade. We couldn’t really move forward with our national team either: Hungary lost 10 positions in the FIFA World Rankings throughout Orbán’s ten years. On the other hand, the level of league has somewhat improved – Videoton and Ferencváros reached the Europa League group stage in 2019 and 2020, respectively. Too bad that the Instat-based top team of 2019/2020 Hungarian league consists of 10 foreigners and only 1 Hungarian: the goalkeeper.

Part 3: Small place, big game!

As seen in the previous chapter, Orbán did have a strong interest in the improvement of the football situation Hungary, but we shouldn’t forget that his deepest interest and true loyalty laid in the wellbeing of Felcsút and its academy. Now that Orbán had limitless means to see to the advancement of his beloved club, he got to work immediately. Orbán handed over formal club management duties to his friend / protégé / middleman / businessman Lőrinc Mészáros in 2010, but no questions would ever arise of who is actually calling the shots.
First of all, no club can exist without a proper stadium. Although in 2011 Orbán explicitly stated that “Felcsút does not need a stadium as stadiums belong to cities”, no one was really surprised in 2012 when the construction of the Felcsút stadium was announced. Orbán was generous enough to donate the lands just in front of his summer home in the village for the project, locating the entrance a mere ten meters away from his residence. Construction works for the stunningly aesthetic 3,800-seater arena (in a village of 1,800 people) started in April 2012 and were completed in April 2014, making Felcsút’s arena the second new stadium of Orbán’s gigantic stadium revival program.
The estimated budget of the construction was 120 million EUR (31,500 EUR / seat) was financed by the Puskás Academy who explicitly stated that they did not use government funds for the project. Technically, this statement is absolutely true as the construction was financed through the TAO money offered by the numerous companies looking for tax deduction and Orbán’s goodwill. However, technically, this means that the country’s budget was decreased by 120 million EUR unrealized tax revenue. Naturally, the gargantuan football stadium looks ridiculously out of place in the small village, but there’s really no other way to ensure that your favorite team’s stadium is within 20 seconds of walking distance from your home.
Obviously, a proper club should also have some glorious history. Felcsút was seriously lagging behind on this matter as though Felcsút FC was founded in 1931, it spent its pre-Orbán history in the uninspiring world of the 5th-7th leagues of the country. Luckily enough, Orbán had already secured Puskás’ naming rights and they were not afraid to use it, so Felcsút FC was renamed to Puskás Academy FC in 2009. The stadium name was a little bit problematic as the Hungarian national stadium in Budapest had sadly had the dibs on Puskás’ name, so they had to settle with Puskás’ Spanish nickname, resulting in the inauguration of the Pancho Arena. But why stop here? Orbán’s sports media strongman György Szöllősi acted upon the contract with Puskás’ widow and transferred all Puskás’ personal memorabilia (medals, jerseys, correspondence) to the most suitable place of all: a remote village in which Puskás never even set foot in.
While the off-field issues were getting resolved, Orbán’s attention shifted to another important area: the actual game of football. Although academy players started to graduate from 2008 on, it very soon became painfully obvious that the academy program couldn’t really maintain even a second division side for now. In 2009, Orbán reached an agreement with nearby Videoton’s owner that effectively transformed Felcsút FC into Videoton’s second team under the name of Videoton – Puskás Akadémia FC. The mutually beneficent agreement would allow Videoton to give valuable playing time to squad players while it could also serve as a skipping step for Puskás Academy’s fresh graduates to a first league team. The collaboration resulted in two mid-table finishes and a bronze medal in the second division in the following three seasons that wasn’t really impressive compared to Felcsút FC’s standalone seasons.
It seemed that the mixture of reserve Videoton players and academy youth was simply not enough for promotion, and although Orbán had assured the public multiple times that his Felcsút project was not aiming for the top flight, very telling changes arose after the 2011/2012 season. Felcsút terminated the Videoton cooperation deal and used the rapidly accumulating TAO funds to recruit experienced players for the now independently operating Puskás Academy FC (PAFC). The new directive worked almost too well: PAFC won its division with a 10 point lead in its first standalone year which meant that they would have to appear in the first league prior to the completion of their brand-new Pancho Arena. Too bad that this glorious result had almost nothing to do with the academy - only two players were academy graduates of the side’s regular starting XI.
Orbán did not let himself bothered with the ridiculousness of an academy team with virtually no academy players being promoted to the first division as he stated that “a marathon runner shouldn’t need to explain why the other runners were much slower than him”. Orbán also displayed a rare burst of modesty as he added that “his team’s right place is not in the first league, and they will soon be overtaken by other, better sides”.
The promotion of PAFC to the first division made a lot of people very angry and been widely regarded as a bad move. Supporter groups were united in hatred all along the league and not surprisingly, away fans almost always outnumbered the home side at PAFC’s temporary home at Videoton’s Sóstói Stadium (demolished and rebuilt in its full glory since then). One of the teams, however, possessed an extraordinary degree of anger against PAFC: supporters of Budapest Honvéd – the only Hungarian team in which Ferenc Puskás played – felt especially awkward about the transfer of their club legend’s heritage to Felcsút. Tensions spiked at the PAFC – Honvéd game when home security forced Honvéd supporters to remove the “Puskás” part of their traditional “Puskás – Kispest – Hungary” banner – the team answered the insult with style as they secured a 4-0 victory supported by fans chanting “you can’t buy legends”.
Despite Orbán’s prognosis, other better sides did not rush to overtake his team, so PAFC, now residing in their brand new Pancho Arena, came through with a 14th and a 10th place in their first two seasons. Naturally, conspiracy theories began to formulate, speculating that government-friendly owners would certainly not be motivated to give their best against PAFC. However, as the league size was reduced to 12 for the 2015/2016 season, PAFC found themselves in a dire situation just before the final round: they needed a win and needed rival Vasas to lose against MTK in order to avoid relegation. PAFC’s draw seemed to be unlucky as they faced their arch-enemy Honvéd at home, but Honvéd displayed an absolute lackluster effort – fueling conspiracy theories – and lost the fixture 2 to 1 against a home side featuring four academy players. Vasas, however, did not disappoint, their 2-0 victory resulted in PAFC’s elimination and a very relaxed sigh all over the football community.
PAFC’s relegation seemed to be in accordance with Orbán’s 2013 statement, so public opinion supposed for a while that Orbán’s project came to a halting point and the Academy would go on to actually field academy players in the second division (especially as rostering foreign players was prohibited in the lower leagues). However, if you have read through this point, you know better than to expect Orbán to retreat – obviously, PAFC came back with a bang. With a ballsy move, PAFC didn’t even sell their foreign players, they just loaned them across the league, promising them that they would be able to return next year to the newly promoted team. The promise was kept as PAFC went into another shopping spree of experienced players (easily convincing lots of them to choose the second division instead of the first) and easily won the second league.
Orbán – now aware of his negligence – opted for the doubling the team’s budget, making PAFC the third most well-founded club in the whole country (only coming short to his friend’s Videoton and his party minion’s Ferencváros). With an actual yearly influx from TAO money in the ballpark of 30-40 million EUR, PAFC management had to really work wonders in creative accounting in order to make their money look somewhat legitimate. The books were now full of ridiculous items like:
Naturally, in the country of no consequences, absolutely nothing happened: PAFC went on with its spending and signed 35 foreigners between 2017 and 2020. They did so because they could not hope to field a winning team in the first league consisting of academy players, despite the fact that Puskás Academy has been literally drowning in money since 2007. This seems to somewhat contradict Orbán’s 2013 promise, stating that “Puskás Academy will graduate two or three players to major European leagues each year”. To be fair, there have been players who managed to emerge to Europe (well, exactly two of them: Roland Sallai plays at Freiburg, László Kleinheisler played at Werder Bremen) but most academy graduates don’t even have the slightest the chance to make their own academy’s pro team as it’s full of foreigners and more experienced players drawn for other teams’ programs.
Despite their unlimited funding, PAFC could not put up a top-tier performance in their first two years back in the first division, finishing 6th and 7th in the 12-team league. Many speculated that the lack of support, motivation and even a clear team mission did not allow for chemistry to develop within the multinational and multi-generational locker room. Consistency was also a rare sight on the coaching side: club management was absolutely impatient with coaches who were very easily released after a single bad spell and there were talks of on-field micromanagement request coming from as high as Orbán.
Even so, their breakthrough came dangerously close in 2018 as PAFC performed consistently well in the cup fixtures and managed to reach the final. Their opponent, Újpest played an incredibly fierce game and after a 2-2 draw, they managed to defeat PAFC in the shootout. Football fans sighed in relief throughout the country as ecstatic Újpest supporters verbally teased a visibly upset Orbán in his VIP lounge about his loss.
Obviously, we could only delay the inevitable. While this year’s PAFC side seemed to be more consistent than its predecessors, it seemed that they won’t be able to get close to the podium - they were far behind the obvious league winner duo of Ferencváros and Videoton and were trailing third-place Mezőkövesd 6 points just before the pandemic break. However, both Mezőkövesd and PAFC’s close rivals DVTK and Honvéd fall flat after the restart while PAFC was able to maintain its good form due to its quality roster depth. PAFC overtook Mezőkövesd after the second-to-last round as Mezőkövesd lost to the later relegated Debrecen side. (Mezőkövesd coach Attila Kuttor was fined harshly because of his post-game comments on how the FA wants PAFC to finish third.)
PAFC faced Honvéd in the last round once again, and as Honvéd came up with its usual lackluster effort, PAFC secured an effortless win, confidently claiming the third place. PAFC celebrated their success in a nearly empty stadium, however neither Orbán, nor Mészáros (club owner, Orbán’s protégé, now 4th richest man of Hungary) seemed to worry about that. While Orbán high-fived with his peers in the VIP lounge, Mészáros was given the opportunity to award the bronze medals (and for some reason, a trophy) to the players dressed up in the incredibly cringe worthy T-shirts that say “Small place, big game!”. Big game, indeed: in the 2019/2020 season, foreign players’ share of the teams playing time was 43.6% while academy graduates contributed only 17.9%.
On Sunday evening, less than 24 hours after PAFC’s glorious success, György Szöllősi, now editor-in-chief of Hungary’s only sports newspaper (purchased by Orbán’s affiliates a few years back) published an editorial on the site, stating that “the soccer rebuild in Felcsút became the motor and symbol of the revitalization of sport throughout the whole country”. Well, Szöllősi is exactly right: Felcsút did became a symbol, but a symbol of something entirely different. Felcsút became a symbol of corruption, inefficiency, lies and the colossal waste of money. But, hey, at least we know now: you only need to spend 200 million EUR (total budget of PAFC and its academy in the 2011-2020 period) if you want to have a Europa League team in your backyard. Good to know!

Epilogue: What's in the future?

As there is no foreseeable chance for political change to happen Hungary (Orbán effortlessly secured qualified majority in 2014 and 2018, and is projected to do so in 2022 as well), PAFC’s future seems to be as bright as it gets. Although consensus opinion now seems to assume that Orbán does not intend to interfere with the Ferencváros – Videoton hegemony, we can never be really sure about the exact limits of his greed. One could also argue that entering the European theater serves as a prime opportunity for making splashy transfers who could be the cornerstones of a side challenging the league title.
However, as all political systems are deemed to fall, eventually Orbán’s regime will come apart. Whoever will take upon the helm after Orbán, they will certainly begin with cutting back on the one item on Orbán’s agenda that never had popular support: limitless football spending. Puskás Academy, having next to zero market revenue, will not be able to survive without the state’s life support, so the club will fold very shortly. The abandoned, rotting stadium in Felcsút will serve as a memento of a powerful man who could not understand the true spirit of football.
But let’s get back to present day, as we have more pressing issues coming up soon: PAFC will play their first European match in the First qualifying round of the Europa League on 27 August. We don’t have a date for the draw yet, but soon enough, a team unaware of the whole situation will be selected to face the beast. I hope that maybe one of their players does some research and maybe reads this very article for inspiration. I hope that the supporters of this club get in touch with Honvéd fans who would be eager to provide them with some tips on appropriate chants. I hope that other teams gets drawn as the home team so Orbán wouldn’t get the pleasure of walking to his stadium for an international match. But most importantly, I very much hope that this team obliterates PAFC and wipes them off the face of the earth. 5-0 will suffice, thank you.
And if this team fails to do that, we don’t have to worry yet. Due to our shitty league coefficient, PAFC would need to win four fixtures in a row. And that – if there’s any justice in this world – is a thing that can’t, that won’t happen. Ball don’t lie – if I may say.
TL,DR
Hungarian PM Viktor Orbán redirected some 200 million EUR of taxpayer money over 10 years to fuel his ambition of raising a competitive football team in his hometown of 1,800 people. He built a 3,800-seater stadium in his backyard, expropriated football legend Ferenc Puskás’ trademarks and heritage and built up a football league where almost all clubs are owned by his trustees. His team, Puskás Akadémia FC was originally intended to be a development ground for youth players graduating from Orbán’s football academy, but eventually the team became more and more result-orianted. Finally, a roster full of foreign and non-academy players came through and finished third in the league, releasing this abomination of a team to the European football theatre. Please, knock them out asap!
submitted by pogacsa_is_life to soccer [link] [comments]

Gaarawarr's Guide to Midsummer - Year 3

Last Updated: Updated Beadle & Grimm's variant tips - July 16th, 2020, at 2pm Pacific
Last Updated: Updated Beadle & Grimm's info - July 15th, 2020, at 3pm Pacific
Last Updated: Initial Post
 

Event Introduction

The Champions arrive in Waterdeep to enjoy the festival of Midsummer. However, upon arrival the party is summoned by the Blackstaff of Waterdeep, Vajra Safahr.
The Open Lord of Waterdeep is missing, and to make matters more complicated, it's the day before Shieldmeet, when the Open Lord reaffirms the rule of the hidden lords...
Midsummer runs from July 15th, 2020, at Noon PST, thru July 27th, 2020, at Noon PST.
You can find the official Midsummer blog post here.
 

General Event Tips

I highly recommend reading my Guide to Event Planning for basic progression information and ways to maximize your gains/efficiency during Events. There is too much information to put here as this specific Event guide is long enough already.
 
Don't be afraid to ask questions in the comment section! Also, I stream the game now and welcome any and all questions there as well!
You can find all of my Idle Champions guides here.
Good luck & have fun!
~ Gaar
 
Note: Event guides are always a work-in-progress and will update over time so check back frequently! I'll note at the top in the revisions area when it's complete.
 

Year One Champion - Xander, the Human Rogue

You can find their Event Guide here.
Feel free to ask questions about them and their formations here in the comments as the linked discussion may be locked to new comments.
 

Year Two Champion - Shandie, the Halfling Rogue

You can find their Event Guide here.
Feel free to ask questions about them and their formations here in the comments as the linked discussion may be locked to new comments.
 

Year Three Champion - Beadle & Grimm, Dwarf Rogue/Wizard and Human Barbarian

You can read their original Champion Spotlight here.
Slot 8: Swaps with Delina, Hitch, Nrakk, Vlahnya, & Walnut.
Good with: Barbarians; Champs with high STR, DEX, or INT
Eligible for Patrons: Mirt, Vajra, & Strahd
 
Class Race Alignment Gender Age Affiliation Role(s) Overwhelm Point
Beadle - Rogue/Wizard Dwarf Neutral Male 91 None Support/Gold 5
Grimm - Barbarian Human Chaotic Good Male 26 None DPS/Support 5
 
Champion Strength Dexterity Constitution Intelligence Wisdom Charisma
Beadle 13 17 12 16 10 8
Grimm 18 12 16 12 9 14
 
Bio: Beadle and Grimm have been best friends & adventuring partners their entire lives. Together, they have faced the most dangerous foes their realm had to offer and built a respite alongside the frozen north's harsh realities: The Giant's Bane Tavern.
 
Base Attack Speed: 6.5s
Basic Attack:
  • Beadle: Magic Wand — Beadle bonks a random enemy with a wand (dealing half damage). This unleashes two magic missiles that fly out and hit two other random enemies for full damage.
  • Grimm: Giant's Bane — Grimm cleaves through the nearest enemies with his two enormous greatswords.
Ultimate: Their ultimate attack changes based on who is currently in play.
  • Beadle — Grimm leaps into the fray, smashing a random enemy and all nearby enemies before leaping back into the formation while Beadle teleports into the shadows to recover.
  • Grimm — Beadle teleports into the center of the battle and explodes with arcane magic, damaging and stunning all enemies. He then slips quietly back into the formation as Beadle leaps away for a brief rest.
 

Interesting Abilities

Get Buff: Beadle and Grimm increase the damage of themselves or the Champions around them.
  • Beadle Increase the damage of Champions within 2 slots of himself by 100%
  • Grimm Increase the damage of Grimm by 100% for each Barbarian in the formation, stacking multiplicatively
Special Order: Beadle and Grimm provide a utility to help the party.
  • Beadle - Whenever Beadle damages an enemy that is not at full health, that enemy will drop 25% more gold when it is killed. Does not stack.
  • Grimm - Enemies damaged by Grimm take 25% more damage until they are killed (except from ultimates). Can stack additively up to 10 times on a single enemy.
Long Rest: While Beadle is active, Grimm's buff increases by 1 stack every 10 seconds. While Grimm is active, Beadle's buff increases by 1 stack every 10 seconds. When a Champion swaps out using their Tag Team ultimate, their stacks are reset, and while they're in-play their stacks reduce by 1 every 10 seconds. Stacks are additive.
  • Beadle — Increase the effect of Beadle's Get Buff by 10% per stack
  • Grimm — Increase the effect of Grimm's Special Order by 10% per stack
Inseparable: Beadle and Grimm are so inseparable that if either one qualifies for an adventure restriction based on their tags, ages, ability scores, then both can be used.
 

Beadle's Specializations

As Quick As Me: Increase the effect of Beadle's Get Buff by 100% for each Champion with a DEX score of 17 or higher, stacking multiplicatively and then applying to Get Buff multiplicatively
As Clever As Me: Increase the effect of Beadle's Get Buff by 100% for each Champion with an INT score of 16 or higher, stacking multiplicatively and then applying to Get Buff multiplicatively.

Grimm's Specializations

Chip Away: Increases the effect of Grimm's Special Order by 100% (up to 50% per stack)
Strongman Contest: Grimm's Get Buff now also adds a stack for any Champion with a STR score of 18 or higher.
 

Equipment

White Green Blue Purple
Slot 1: Increases the damage of Beadle & Grimm
Slot 2: Increases the damage of all Champions
Slot 3: Increases Beadle & Grimm's Get Buff ability
Slot 4: Increases Beadle & Grimm's Special Order ability
Slot 5: Increases Beadle & Grimm's Long Rest ability
Slot 6: Increases Beadle & Grimm's Ultimate Attack Damage
 

Feats

First slot is available at 180 while the second is available at 1000.
Gaar's Note: You'll need to level this Champion past their upgrade softcap to unlock their second Feat slot.
Found Name Effect
Default Tavern Brawler Increases the damage of Beadle by 30%
Default Selflessness Increases the damage of all Champions by 10%
Default Lucky Increases all Gold found by 10%
12,500 Gems Grappler Increases the damage of Beadle by 60%
12,500 Gems Fortune's Favor Increases all Gold found by 25%
12,500 Gems Order Up! Increases the effect of B&G's Special Order abilities by 40%
Regular Gold Chest Inspiring Leader Increases the damage of all Champions by 25%
Regular Gold Chest Show of Strength Increases the effect of B&G's Get Buff abilities by 40%
Regular Gold Chest Cooldown Increases the effect of B&G's Long Rest abilities by 40%
 

Level Upgrades

Level Upgrade Effect
10 Tag Team
20 Increases the damage of Beadle & Grimm by 200%
30 Get Buff
40 Increases the damage of Beadle & Grimm by 200%
50 Increases the damage of Beadle & Grimm by 200%
60 Special Order
70 Long Rest
80 Increases the damage of Beadle & Grimm by 200%
90 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
100 Increases the damage of Beadle & Grimm by 200%
110 Beadle's Specialization Choice
120 Increases the damage of Beadle & Grimm by 200%
130 Increases the damage of all Champions by 300%
140 Increases the damage of Beadle & Grimm by 200%
150 Grimm's Specialization Choice
160 Increases the damage of Beadle & Grimm by 200%
180 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
190 Increases the damage of Beadle & Grimm by 300%
200 Increases the damage of all Champions by 300%
210 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
220 Increases the damage of Beadle & Grimm by 300%
245 Increases the damage of Beadle & Grimm by 300%
270 Increases the damage of Beadle & Grimm by 300%
280 Increases the effect of Beadle & Grimm's Long Rest abilities by 100%
290 Increases the damage of Beadle & Grimm by 300%
300 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
320 Increases the damage of Beadle & Grimm by 300%
330 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
360 Increases the damage of Beadle & Grimm by 300%
400 Increases the damage of Beadle & Grimm by 300%
410 Increases the damage of all Champions by 300%
420 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
440 Increases the damage of Beadle & Grimm by 300%
450 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
480 Increases the damage of Beadle & Grimm by 300%
490 Increases the effect of Beadle & Grimm's Long Rest abilities by 100%
530 Increases the damage of Beadle & Grimm by 300%
540 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
570 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
580 Increases the damage of Beadle & Grimm by 300%
610 Increases the damage of all Champions by 300%
630 Increases the damage of Beadle & Grimm by 300%
660 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
670 Increases the damage of Beadle & Grimm by 300%
690 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
700 Increases the effect of Beadle & Grimm's Long Rest abilities by 100%
710 Increases the damage of Beadle & Grimm by 300%
760 Increases the damage of Beadle & Grimm by 300%
790 Increases the damage of all Champions by 300%
800 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
810 Increases the damage of Beadle & Grimm by 300%
820 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
860 Increases the damage of Beadle & Grimm by 300%
900 Increases the effect of Beadle & Grimm's Long Rest abilities by 100%
910 Increases the damage of Beadle & Grimm by 300%
920 Increases the effect of Beadle & Grimm's Special Order abilities by 100%
930 Increases the effect of Beadle & Grimm's Get Buff abilities by 100%
960 Increases the damage of all Champions by 300%
970 Increases the damage of Beadle & Grimm by 300%
Current max upgrade level is 970
 

Formation & Mission Information

Once you complete the first mission, three Variants and a Free Play show up. There is a new formation that holds 10 Champions. It has an Event-specific format that I've done my best to re-create below.
Back Column 3rd Column 2nd Column Front Column
0
0
0 0
0 0
0 0
0
0
New Player Formation & Specializations:
Back Column 3rd Column 2nd Column Front Column
Hitch - More Daggers
Minsc - Humanoids
Asharra - Elves & Dwarves Celeste - War Domain
Calliope - College of Valor Nayeli - Oath of Devotion
NA Jarlaxle - Leader of Bregan D'aerthe
NA
Bruenor - Shield Master
This formation is for the first couple of runs where you're just not going to get enough Gold to get everyone on the field, let alone level people up into their power curves. At this point, Jarlaxle is focusing on being your Primary DPS while everyone else is set up to support him.
The following formation is for once you can get Hitch up into his power curve for damage and he starts outpacing Jarlaxle. You'll have to figure this out during your runs by swapping him and Jarlaxle around every now and then and seeing who's doing better in that Primary DPS slot.
Back Column 3rd Column 2nd Column Front Column
Hitch - More Daggers
Minsc - Humanoids
Asharra - Humans Celeste - War Domain
Calliope - College of Valor Nayeli - Oath of Devotion
Makos - Dark Blessing Jarlaxle - Leader of Bregan D'aerthe
Tyril - Wild Shape
Bruenor - Shield Master
This formation should get you through the Event as a new player. If you have other options or think a different DPS is geared better, try it out and see what happens! Swapping DPS around like this can help you figure out what works best for you with your specific items.
If you need assistance with formations, ask in the Comment section and be sure to list out what extra Champs you have so people know what to work with.
These are the rough Favor values you need to reach to make a Variant (Second through Fourth missions) show as Easy in terms of Difficulty. Keep in mind that this is just a generic rating system and some Variants may be harder than others, even when they show as Easy.
Mission Favor Level (Normal) Favor Level (Scientific Notation)
Second 20,000 ~2e04
Third 15,000,000 ~1.5e07
Fourth 150,000,000 ~1.5e08
 

Initial Mission: The Missing Lord (Beadle & Grimm)

Cost: 100 Sunflowers
Complete: Level 50
Reward: Beadle & Grimm + whatever Savras' Favor you earned
Info: No restrictions.
 

Second Mission: Arvaiss' Next Trap

Cost: 1,000 Sunflowers
Complete: Level 75
Reward: Gold Beadle & Grimm Chest & whatever Savras' Favor you earned
Info: Every area, a collection of magical monsters attempt to thwart your progress. Once they spawn, their effects are active until they are destroyed.
  • Young Red Dragons(Armored) - No other monsters can be damaged until all the Young Red Dragons on-screen are destroyed.
  • Fire Snake - The base attack cooldown for each Champion is increased by 1 second while this enemy is alive.
  • Giant Fire Beetle - While this enemy is alive, all enemies are increased in size by 20%, deal 300% more damage and move at 100% increased speed.
Gaar's Notes: This is pretty straightforward as long as you have enough Favor (Easy). Having a multi-attack Champion can help get rid of the dragons quickly since they're armored (Hitch).
 

Third Mission: Showoffs

Cost: 2,500 Sunflowers
Complete: Level 125
Reward: Gold Beadle & Grimm Chest & whatever Savras' Favor you earned
Info: Beadle & Grimm are ready to show the Champions how they do things in the frozen north! Beadle starts unlocked and in the formation. They can be moved. Champions can only be used if they meet one or more of the following requirements:
  • Strength 18 or higher
  • Dexterity 17 or higher
  • Intelligence 16 or higher.
Gaar's Notes: Yet another overly-restrictive Event variant. This may be rough to impossible for new players. Here's the list of qualifying Champions:
  • Slot 1 - None
  • Slot 2 - Regis, Korth, Donaar, & Krydle
  • Slot 3 - Binwin & Artemis
  • Slot 4 - Jarlaxle, Stoki, Ishi, & Sentry
  • Slot 5 - Dhadius, Xander, & Pwent
  • Slot 6 - Asharra, Krond, Evelyn, Shandie, & Krull
  • Slot 7 - Minsc, Catti-brie, Black Viper, Jim, and Freely
  • Slot 8 - Beadle & Grimm
  • Slot 9 - Drizzt, Birdsong, Aila, & Morgaen
  • Slot 10 - Tyril, Wulfgar, & Havilar
  • Slot 11 - Jamilah & Strix
  • Slot 12 - Arkhan, Azaka, Zorbu, & Melf
 

Fourth Mission: A Contest, You Say?

Cost: 5,000 Sunflowers
Complete: Level 175
Reward: Gold Beadle & Grimm Chest & whatever Savras' Favor you earned
Info: Beadle & Grimm have started some infighting on which method of attacking is best. It's time to answer the question, but the enemies are not going to make it easy on you!
  • Enemies have 300% more hit points.
  • Enemies attack twice as often.
  • When an enemy is killed by a type of Base Attack (Melee, Ranged, or Magic) the Champions with the same Base Attack type have their damage decreased by 2% while Champions with the other Base Attack types have their damage increased by 1%.
Gaar's Notes: This is a rough variant as enemies are harder to kill, attack faster, and debuff you. Make sure this shows as Easy before attempting.
 

Free Play

Cost: 500-2500 Sunflowers
Complete: Level 50 to earn a random Beadle & Grimm chest
Reward: See above + whatever Savras' Favor you earned
Info: No restrictions.
 

Achievements

Recruit Beadle & Grimm - 1%
Recruit Beadle & Grimm, the Dwarf Rogue/Wizard & Human Barbarian combo
Special Edition - 1%
Complete all three variants of the "The Missing Lord(Beadle & Grimm)" adventure.
Joint Ownership - 1%
Obtain a piece of gear for each of Beadle & Grimm' six equipment slots. (Event Champ gear does not come from regular SilveGold Chests. You can earn Event Champ gear from their specific Event Chests, Time Gates, and other limited-time Chests as noted.)
Many Hands Make Light Work - 1%
Complete area 275 in any "The Missing Lord" free play.
Get Some Rest - 1%
Use the Tag Team Ultimate to bring either Beadle or Grimm into the game with 1000 or more Long Rest Stacks

Adventure Information

Indoor # Outdoor #
11 39

Type Summary

Bosses
Boss Type # in this Event
Humanoids 5
Beasts 2
Drow 1
Fey 1
Ooze 1
Monstrosity 1
Dragon 1
Normal Mobs
Enemy Type # in this Event
Humanoids 24
Beasts 18
Gnoll 9
Fey 8
Drow 6
Monstrosity 2
Construct 1

Type by Level - repeats after 50

Level IndooOutdoor Enemy Type Boss Type
1 Outdoor Beasts
2 Outdoor Beasts
3 Outdoor Beasts & Barricade
4 Outdoor Beasts
5 Outdoor Beasts Beasts
6 Outdoor Human/Humanoid & Half-Orc/Humanoid
7 Outdoor Human/Humanoid & Half-Orc/Humanoid
8 Outdoor Human/Humanoid & Half-Orc/Humanoid
9 Outdoor Human/Humanoid & Half-Orc/Humanoid
10 Outdoor Human/Humanoid & Half-Orc/Humanoid Human/Humanoid
11 Outdoor Beasts
12 Outdoor Beasts
13 Outdoor Constructs
14 Indoor Human/Humanoid
15 Indoor Human/Humanoid Human/Humanoid
16 Outdoor Fey
17 Indoor Fey
18 Indoor Fey
19 Indoor Fey
20 Indoor Fey Fey/Beasts
21 Outdoor Human/Humanoid & Humanoid/Drow/Elf
22 Outdoor Human/Humanoid & Humanoid/Drow/Elf
23 Outdoor Beasts
24 Outdoor Beasts
25 Outdoor Beasts Humanoid/Halfling
26 Outdoor Beasts
27 Outdoor Humanoid/Drow
28 Outdoor Humanoid/Drow
29 Outdoor Humanoid/Drow
30 Outdoor Humanoid/Drow Humanoid/Drow
31 Indoor Beasts
32 Indoor Beasts
33 Indoor Beasts
34 Indoor Humanoid/Drow
35 Indoor Humanoid/Drow Humanoid/Drow
36 Outdoor Beasts
37 Outdoor Beasts
38 Outdoor Beasts
39 Outdoor Gnoll/Humanoid
40 Outdoor Gnoll/Humanoid Ooze
41 Outdoor Fey
42 Outdoor Fey
43 Outdoor Beasts/Fey
44 Outdoor Gnoll/Humanoid
45 Outdoor Gnoll/Humanoid Monstrosity
46 Outdoor Gnoll/Humanoid
47 Outdoor Gnoll/Humanoid
48 Outdoor Monstrosity & Gnoll/Humanoid
49 Outdoor Monstrosity & Gnoll/Humanoid
50 Outdoor Gnoll/Humanoid Dragon

Community Event Discussions

Coming soon!
submitted by Gaarawarr to idlechampions [link] [comments]

Gaarawarr's Guide to Founders' Day - Year 3

Last Updated: June 25th, 2020, at Noon Pacific - Corrected Freely's Feats, updated SMRT variant Champ list
Last Updated: June 24th, 2020, at 2:35pm Pacific - Updated Freely's information and added notes to his info and his variants
Last Updated: Initial Post
 

Event Introduction

Celebrations are underway to commemorate the founding of the Free City of Waterdeep. Founders Day attracts huge crowds to the Field of Triumph, where audiences watch illusory shows about Waterdeep's history and martial exhibitions by notable Champions and the renown city guard.
Festivities have also brought an ancient power from Avernus, first layer of the Nine Hells. A fallen angel has arrived to collect souls for the Blood War...
Founders' Day runs from Wednesday, June 24th, 2020, at Noon PST, thru Monday, July 6th, 2020, at Noon PST.
You can find the official Founders' Day blog post here.
 

General Event Tips

I highly recommend reading my Guide to Event Planning for basic progression information and ways to maximize your gains/efficiency during Events. There is too much information to put here as this specific Event guide is long enough already.
 
Don't be afraid to ask questions in the comment section! Also, I stream the game now and welcome any and all questions there as well!
You can find all of my Idle Champions guides here.
Good luck & have fun!
~ Gaar
 
Note: Event guides are always a work-in-progress and will update over time so check back frequently! I'll note at the top in the revisions area when it's complete.
 

Year One Champion - Deekin, the Kobold Bard

You can find their Event Guide here.
Feel free to ask questions about them and their formations here in the comments as the linked discussion may be locked to new comments.
 

Year Two Champion - Walnut, the Wood Elf Druid

You can find their Event Guide here.
Feel free to ask questions about them and their formations here in the comments as the linked discussion may be locked to new comments.
 

Year Three Champion - Freely, the Halfling Bard/Warlock

You can read their original Champion Spotlight here.
Slot 7: Swaps with Minsc, Catti-brie, Black Viper, Farideh, & Jim.
Good with: Everyone
Eligible for Patrons: Mirt
 
Class Race Alignment Gender Age Affiliation Role(s) Overwhelm Point
Bard/Warlock Halfling Neutral Good Male 42 None Support/Gold Find 5
 
Strength Dexterity Constitution Intelligence Wisdom Charisma
13 17 10 8 10 16
 
Bio: Freely has traveled across multiple Planes, but he has always had his luck to keep him safe. Even an unfortunate detour into being trapped as an Illithid ultimately led him into the company of his new friends, Beyond Heroes! Armed with the magic in his blood, and the Faith that flows through his sword, he always seeks to destroy evil wherever he can sense it. Freely prefers to act first and think later, since hey, things always tend to work out for him anyway, right?
 
Base Attack Speed: 4.8 seconds
Basic Attack: Eldritch Blast - A beam of aquamarine crackling energy streaks towards a random enemy.
Ultimate: I Will Not Deafen — Freely grabs his sword and launches himself toward an enemy, showering green and red lightning in his wake until he smashes into his opponent for massive damage. It also applies all four Lucky Breaks on that enemy or any they didn't already have.
 

Interesting Abilities

Luck of Yondalla: Freely, and any allies granted this ability through his specializations, have the Luck of Yondalla backing them up. Whenever they attack, one of the following Lucky Breaks occurs completely at random, affecting all enemies hit by the attack. Each Lucky Break can be applied on each enemy once for each Champion with Luck of Yondalla. Each application lasts for 15 seconds, so even if 10 Champions are attacking a single enemy with Luck of Yondalla, the actual Lucky Break applications on the enemy will vary over time.
  • Requisition — Target will drop 10% more gold when they are killed, stacking multiplicatively.
Gaar's Note: Requisition gets multiple upgrades while leveling, is buffed by an Item, and is buffed by a Feat.
  • Follow-Through — Any Champion who attacks this enemy has their next base attack's cooldown decreased by 0.1 sec for each application of this Lucky Break on the enemy.
  • Opportunity — The targeted enemy takes 100% more damage from all attacks, inclusive, stacks multiplicatively.
  • Stagger — Target has a 2% chance to be stunned for 1 second when they are attacked by any Champion, stacking additively.
Unlucky For Them: The total effect of Luck of Yondalla: Opportunity is increased by 100% on enemies affected by it. This buff applies once to the total value of the applications.
Gaar's Note: This ability receives multiple upgrades while leveling, is buffed by an Item, and is buffed by a Feat.
An Adventurous Tale: If Freely is in your formation when you complete an area for the first time, he keeps track of it for future tales. When you reset your adventure, you'll collect an additional .01% of Divine Favor for each area Freely tracked, stacking additively but applying multiplicatively. Freely does not have to be in your formation when you reset to gain the additional Divine Favor, but he does need to be in your formation when you complete an area to increase his bonus. The bonus resets when you complete your adventure.
Gaar's Note: This ability receives multiple upgrades while leveling, is buffed by an Item, and is buffed by a Feat.
Cutting Words: Freely distracts enemies if he is within 3 slots of a Tank Champion who is under attack by at least 1 enemy, increasing the overwhelm point of such Champions by 5.
 

Specializations

Trust in Law: Grants Luck of Yondalla to all Lawful Champions in your formation. Affected Champions now cause Lucky Breaks whenever they attack.
Value Neutrality: Grants Luck of Yondalla to Neutral Champions (on the Lawful/Neutral/Chaotic scale) in your formation. Affected Champions now cause Lucky Breaks whenever they attack.
Always Expect Chaos: Grants Luck of Yondalla to Chaotic Champions in your formation. Affected Champions now cause Lucky Breaks whenever they attack.
 

Equipment

White Green Blue Purple
Slot 1: Increases the damage of all Champions 230%
Slot 2: Increases Luck of Yondalla Requisition lucky break for each application 100%
Slot 3: Increases the effect of Freely's Unlucky For Them ability 275%
Slot 4: Increases the effect of Freely's Adventurous Tale ability 100%
Slot 5: Buffs Freely's Ultimate Attack Damage 275%
Slot 6: Reduces the cooldown on Freely's Ultimate Attack 45s
 

Feats

First slot is available at 240 while the second is available at 1240.
Gaar's Note: You'll need to level this Champion past their upgrade softcap to unlock their second Feat slot.
Found Name Effect
Default Selflessness Increases the damage of all Champions by 10%
Default Lucky Increases all Gold found by 10%
12,500 Gems Inspiring Leader Increases the damage of all Champions by 25%
12,500 Gems Lucky for Us Increases the effect of Freely's Unlucky For Them ability by 40%
12,500 Gems Excitable Increases the effect of Freely's Adventurous Tale ability by 40%
Regular Gold Chest Fortune's Favor Increases all Gold found by 25%
Regular Gold Chest Fortuitous Increases Luck of Yondalla Requisition lucky break 40% for each application
 

Level Upgrades

Level Upgrade Effect
10 Adventurous Tale
20 Increases the damage of Freely by 200%
30 Increases the damage of all Champions by 200%
40 Increases the damage of Freely by 200%
50 Luck of Yondalla
60 Increases the damage of Freely by 200%
75 Unlucky for Them
90 Increases the damage of Freely by 200%
100 Specialization Choice
110 Increases the damage of Freely by 200%
125 Increases the effect of Freely's Unlucky For Them ability by 200%
140 Increases the damage of Freely by 200%
150 Cutting Words
160 Increases the damage of Freely by 200%
180 Increases the damage of all Champions by 200%
190 Increases the damage of Freely by 200%
200 Ultimate
210 Increases the damage of Freely by 200%
240 Increases the damage of Freely by 300%
250 Increases the effect of Freely's Unlucky For Them ability by 200%
260 Increases the damage of Freely by 200%
285 Increases the damage of Freely by 200%
310 Increases the damage of all Champions by 100%
320 Increases the damage of Freely by 200%
340 Increases the effect of Freely's Unlucky For Them ability by 100%
350 Increases the damage of Freely by 300%
370 Increases the damage of Freely by 200%
400 Increases the Luck of Yondalla Requisition lucky break 100% for each application
410 Increases the damage of Freely by 200%
440 Increases the effect of Freely's Unlucky For Them ability by 100%
450 Increases the damage of Freely by 200%
485 Increases the damage of Freely by 200%
500 Increases the damage of all Champions by 200%
520 Increases the damage of Freely by 200%
535 Increases the effect of Freely's Unlucky For Them ability by 100%
570 Increases the damage of Freely by 200%
600 Increases the effect of Freely's Adventurous Tale ability by 50%
615 Increases the damage of Freely by 200%
625 Increases the effect of Freely's Unlucky For Them ability by 100%
670 Increases the damage of all Champions by 200%
680 Increases the damage of Freely by 300%
720 Increases the effect of Freely's Unlucky For Them ability by 100%
735 Increases the damage of Freely by 300%
750 Increases the Luck of Yondalla Requisition lucky break 100% for each application
775 Increases the damage of all Champions by 100%
785 Increases the damage of Freely by 300%
815 Increases the effect of Freely's Unlucky For Them ability by 100%
825 Increases the damage of Freely by 300%
885 Increases the damage of Freely by 300%
910 Increases the effect of Freely's Unlucky For Them ability by 100%
935 Increases the damage of Freely by 200%
955 Increases the damage of all Champions by 100%
990 Increases the damage of Freely by 200%
1000 Increases the effect of Freely's Unlucky For Them ability by 100%
1050 Increases the damage of Freely by 200%
1095 Increases the effect of Freely's Unlucky For Them ability by 100%
1100 Increases the Luck of Yondalla Requisition lucky break 100% for each application
1110 Increases the damage of Freely by 200%
1125 Increases the damage of all Champions by 200%
1180 Increases the effect of Freely's Unlucky For Them ability by 100%
1190 Increases the damage of Freely by 300%
1200 Increases the effect of Freely's Adventurous Tale ability by 50%
1215 Increases the damage of all Champions by 100%
Current max upgrade level is 1215
 

Formation & Mission Information

Once you complete the first mission, three Variants and a Free Play show up. There is a new formation that holds 10 Champions. It has an Event-specific format that I've done my best to re-create below.
Back Column 4th Column 3rd Column 2nd Column Front Column
0
0
0 0
0 0
0 0
0 0
New Player Formation & Specializations:
Back Column 4th Column 3rd Column 2nd Column Front Column
NA
Bruenor - Shield Master
Asharra - Elves & Dwarves NA
Minsc - Humanoids Celeste - War Domain
Calliope - College of Valor Nayeli - Oath of Devotion
Hitch - More Daggers Jarlaxle - Leader of Bregan D'aerthe
This formation is for the first couple of runs where you're just not going to get enough Gold to get everyone on the field, let alone level people up into their power curves. At this point, Jarlaxle is focusing on being your Primary DPS while everyone else is set up to support him.
The following formation is for once you can get Hitch up into his power curve for damage and he starts outpacing Jarlaxle. You'll have to figure this out during your runs by swapping him and Jarlaxle around every now and then and seeing who's doing better in that Primary DPS slot.
Back Column 4th Column 3rd Column 2nd Column Front Column
Makos - Dark Blessing
Bruenor - Shield Master
Minsc - Humanoids Tyril - Wild Shape
Asharra - Humans Celeste - War Domain
Calliope - College of Valor Nayeli - Oath of Devotion
Jarlaxle - Leader of Bregan D'aerthe Hitch - More Daggers
This formation should get you through the Event as a new player. If you have other options or think a different DPS is geared better, try it out and see what happens! Swapping DPS around like this can help you figure out what works best for you with your specific items.
If you need assistance with formations, ask in the Comment section and be sure to list out what extra Champs you have so people know what to work with.
These are the rough Favor values you need to reach to make a Variant (Second through Fourth missions) show as Easy in terms of Difficulty. Keep in mind that this is just a generic rating system and some Variants may be harder than others, even when they show as Easy.
Mission Favor Level (Normal) Favor Level (Scientific Notation)
Second 20,000 ~2e04
Third 15,000,000 ~1.5e07
Fourth 150,000,000 ~1.5e08
 

Initial Mission: Party Crashers (Freely)

Cost: 100 Taols
Complete: Level 50
Reward: Freely + whatever Asmodeus' Favor you earned
Info: Zariel is the area 50 boss and she's armored with a pretty damaging attack. You may need to farm at 49 to get your tank's health up and get some healing on them before you can beat 50. Multi-attack DPS Champions can help some here as well.
 

Second Mission: Team Smrt Defense Team

Cost: 1,000 Taols
Complete: Level 75
Reward: Gold Freely Chest & whatever Asmodeus' Favor you earned
Info: Only Champions with an INT score of 12 or lower can be used.
Gaar's Notes: Below is a list of all the current Champions that meet this requirement.
  • Slot 1: Bruenor & Deekin
  • Slot 2: Celeste, Korth, & Donaar
  • Slot 3: Nayeli, Gromma, Binwin, & Spurt
  • Slot 4: Ishi, Sentry, & Jaheira
  • Slot 5: Calliope, Pwent, & Briv
  • Slot 6: Evelyn & Krull
  • Slot 7: Minsc & Freely
  • Slot 8: Walnut
  • Slot 9: Drizzt & Aila
  • Slot 10: Barrowin, Rosie, Wulfgar, & Havilar
  • Slot 11: Jamilah & Warden
  • Slot 12: Arkhan, Nerys, Zorbu, & Azaka
 

Third Mission: Invasion Nation

Cost: 2,500 Taols
Complete: Level 125
Reward: Gold Freely Chest & whatever Asmodeus' Favor you earned
Info: Whenever a demon or fiend spawns normally, two more copies of that creature spawn. These creatures don't trigger additional spawns, don't drop gold or count for quest progress, and move twice as quickly as normal ones.
Gaar's Notes: This is a good variant to break out Turiel, Jaheira, or Havilar if you have them as they can benefit from Fiends. Regardless, you'll want this one showing as Easy due to how quickly they'll be on your Tank if not nuked immediately.
 

Fourth Mission: Live Free

Cost: 5,000 Taols
Complete: Level 175
Reward: Gold Freely Chest & whatever Asmodeus' Favor you earned
Info: Freely takes up slot 6 in the formation with Luck of Yondalla unlocked and can not be moved or removed. Champions placed adjacent to Freely automatically get Luck of Yondalla, regardless of their alignment. Enemies can only be damaged if they are affected by at least one Lucky Break.
Gaar's Notes: The formation below shows where Freely is locked into place. You'll need to build a formation around him that allows you to kill things. Keep in mind, click damage won't work either until enemies are marked with a Lucky Break. Multi-attack Champs that are either next to him or in the Spec Choice you made will help mark as many enemies as once here.
Back Column 4th Column 3rd Column 2nd Column Front Column
0
0
0 0
Freely 0
0 0
0 0
 

Free Play

Cost: 500-2500 Taols
Complete: Level 50 to earn a random Freely chest
Reward: See above + whatever Asmodeus' Favor you earned
Info: No restrictions.
 

Achievements

Recruit Freely - 1%
Recruit Freely, the Halfling Bard/Warlock
Legacy of Yondalla - 1%
Complete all three variants of the "Party Crashers (Freely)" adventure.
No Luck Required - 1%
Obtain a piece of gear for each of Freely's six equipment slots. (Event Champ gear does not come from regular SilveGold Chests. You can earn Event Champ gear from their specific Event Chests, Time Gates, and other limited-time Chests as noted.)
Demons? What Demons? - 1%
Complete area 275 in any "Party Crashers" free play.
Everyone Got Lucky - 1%
Complete 500 areas with everyone in a full formation empowered by Luck of Yondalla

Adventure Information

Indoor # Outdoor #
5 45

Type Summary

Bosses
Boss Type # in this Event
Fiend 5
Humanoid 2
Monstrosity 1
Tiefling 1
Elemental 1
Fey 1
Beast 1
Gnoll 1
Normal Mobs
Enemy Type # in this Event
Fiend 28
Humanoid 17
Beast 8
Human 8
Gnoll 6
Hobgoblin 3
Elemental 3
Half-orc 2
 

Type by Level - repeats after 50

Level IndooOutdoor Enemy Type Boss Type
1 Outdoor Beast
2 Outdoor Human/Humanoid & Half-orc/Humanoid & Beast
3 Outdoor Beast
4 Outdoor Beast
5 Outdoor Beast Monstrosity
6 Outdoor Beast
7 Outdoor Human/Humanoid & Half-orc/Humanoid
8 Outdoor Beast
9 Outdoor Beast
10 Outdoor Fiend Fiend
11 Indoor Human/Humanoid
12 Indoor Fiend & Human/Humanoid
13 Indoor Fiend & Human/Humanoid
14 Indoor Fiend & Human/Humanoid
15 Indoor Fiend Tiefling/Humanoid
16 Outdoor Fiend
17 Outdoor Fiend
18 Outdoor Elemental & Fire! Barricades
19 Outdoor Elemental
20 Outdoor Elemental Elemental
21 Outdoor Fiend
22 Outdoor Fiend
23 Outdoor Fiend
24 Outdoor Fiend
25 Outdoor Fiend Fiend
26 Outdoor Gnoll/Humanoid & Fiend
27 Outdoor Gnoll/Humanoid
28 Outdoor Gnoll/Humanoid
29 Outdoor Fiend
30 Outdoor Fiend Fiend
31 Outdoor Fiend
32 Outdoor Fiend
33 Outdoor Fiend
34 Outdoor Fiend
35 Outdoor Fiend Fey/Beast
36 Outdoor Fiend
37 Outdoor Fiend
38 Outdoor Fiend
39 Outdoor Gnoll/Humanoid & Fiend
40 Outdoor Gnoll/Humanoid Gnoll/Humanoid
41 Outdoor Fiend
42 Outdoor Fiend
43 Outdoor Fiend
44 Outdoor Human/Humanoid
45 Outdoor Human/Humanoid Fiend
46 Outdoor Fiend
47 Outdoor Gnoll/Humanoid & Cart Barricades
48 Outdoor Hobgoblin/Humanoid
49 Outdoor Hobgoblin/Humanoid
50 Outdoor Hobgoblin/Humanoid Fiend

Community Event Discussions

Coming soon!
submitted by Gaarawarr to idlechampions [link] [comments]

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