Affiliate Marketing - Impact

PSA - If you are invited to Affiliate Program, while filling out the forms, make sure pop-up blockers are off to ensure smooth sign up.

If you are invited to Affiliate Program, while filling out the forms, make sure pop-up blockers are off to ensure smooth sign up.
I hope this helps some people as i've seen some people having problems.
EDIT - Easier method for bypassing pop-up blocker on Chrome. justintime4hookah "Holding the shift key while clicking on the link will bypass popup blockers, at least on chrome."
submitted by pepcfreak to Twitch [link] [comments]

Companies connected to Trump received large taxpayer-funded forgivable loans: A list

Yesterday, the Small Business Administration and Treasury Department disclosed the recipients of 660,000 Paycheck Protection Program loans. The list only includes those who received at least $150,000 in funding, which is less than 15 percent of the total number of loans. The administration originally tried to hide this information.
Recipients do not have to repay the loan if they keep (or re-hire to meet) their pre-COVID-19 levels of employment and compensation and spend the funds on approved expenses.
Explore the list yourself: The Washington Post turned the original spreadsheet into an online searchable database.
This post is about the relevant “highlights” from the list. Some of the connections to politicians are stronger than others. However, the point isn't so much that certain politicians are unethically profiting - the point is that the American people deserve to know where their money is going. Especially when so many "average" Americans are struggling. In other words, draw your own conclusions from the data.

Connections to Trump & family

A New York shipping business (Foremost Group) owned by the family of Transportation Secretary Elaine Chao, the wife of the Senate majority leader, Mitch McConnell, received at least $350,000. “Ms. Chao has no formal affiliation or stake in the business, but she and Mr. McConnell have received millions of dollars in gifts from her father, James, who ran the company until 2018.”
Kasowitz Benson Torres, founded and run by Trump’s longtime personal lawyer, Marc E. Kasowitz, received a loan for between $5 million and $10 million. Mr. Kasowitz and the firm represented Trump during Mueller’s investigation and for decades before Trump was elected president.
The American Center for Law and Justice, whose chief counsel is Trump lawyer Jay Sekulow, got between $1 million and $2 million. Sekulow also defended Trump during the Mueller investigation and impeachment proceedings.
Jared Kushner connections:
  • Esplanade Livingston, a Kushner family entity that owns the land in Livingston, N.J., where the family’s Westminster Hotel is, got between $350,000 and $1 million. Esplanade Livingston’s company address is the same as that of the Kushner Companies real estate development business.
  • Princeton Forrestal, a real estate entity owned by various members of the Kushner family not including Mr. Kushner, received a loan of between $1 million and $2 million. It is at least 40 percent owned by Kushner family members.
  • The New York Observer, the news website that Kushner ran before entering the White House and is still owned by Kunsher’s brother-in-law’s investment firm, was approved for between $350,000 and $1 million
  • In addition, up to $2 million was approved for the Joseph Kushner Hebrew Academy, a nonprofit religious school in Livingston, N.J., that’s named for Jared Kushner’s grandfather and supported by the family.
In April, a bank approved a loan of between $150,000 and $350,000 for the Pennsylvania dental practice of Albert Hazzouri, who golfs with Trump and frequents Mar-a-Lago. In 2017, Hazzouri used his access to the president to pass him a policy proposal on club stationery on behalf of the American Dental Association. He addressed the note to Trump “Dear King.”
A firm that raises money for Trump’s re-election campaign and the Republican National Committee received a loan of more than $1 million, according to the data set, while a company that produces Trump’s political advertisements received between $350,000 and $1 million.
  • The New York Times does not identify these companies by name. I tried to figure out which companies they were referring to but could not be sure. We already knew that Phunware, a Trump re-election campaign data collector, received $2.85 million — nearly 14 times the PPP average of $206,000 (reported in April).
Billionaire property developer Joe Farrell, a prominent Republican fundraiser, received up to $1 million in taxpayer coronavirus relief funds. Farrell, a developer in New York's exclusive Hamptons beachfront community, has thrown fundraising parties for Trump… Farrell this year rented out his 17,000-square-foot, $40 million East End estate, Sandcastle, for close to $2 million to a wealthy Manhattan family trying to escape the coronavirus for six months.
Dozens of tenants at buildings owned by Trump or managed by his companies received funds… More than 20 businesses listed at 40 Wall Street, an office building that Trump has owned since the mid-1990s, also reportedly received government loans totaling at least $20 million. Among the recipients were law offices, financial service firms and nonprofit organizations.
Sushi Nakazawa, a restaurant at the Trump International Hotel in Washington, received a loan of between $150,000 and $350,000.
Churches connected to President Donald Trump and other organizations linked to current or former Trump evangelical advisers received at least $17.3 million in loans… City of Destiny, the Florida church that Trump’s personal pastor and White House faith adviser Paula White-Cain calls home, got between $150,000 and $350,000. First Baptist Dallas, led by Trump ally and senior pastor Robert Jeffress got between $2 million and $5 million. Other loan recipients included several churches and organizations connected to allies who joined Trump’s evangelical advisory board during his 2016 campaign.
A company with a name matching one listed on the 2017 financial disclosure of Education Secretary Betsy DeVos received at least $6 million.
Perdue Inc., a Bonaire, Georgia-based trucking company founded by Agriculture Secretary Sonny Perdue, received a PPP loan of between $150,000 and $350,000. An Agriculture Department spokesperson said the company is owned indirectly by a trust of which the secretary’s adult children are 99% stakeholders.
American Media, the publisher of the National Enquirer, received a loan in April from Bank of America Corp. of between $2 million and $5 million, records show. American Media is run by Trump’s longtime friend David Pecker. Furthermore, American Media is owned by Chatham Asset Management, a New Jersey-based hedge fund that oversees about $4 billion.
Cottage Hospital, a 25-bed critical access facility in Woodsville, New Hampshire, received between $2 million and $5 million in PPP loans. The hospital’s CEO, Maria Ryan, is a longtime close associate of Rudy Giuliani’s. Ryan currently co-hosts a talk radio show with Giuliani called “Uncovering the Truth.” Cottage Hospital’s annual revenues typically exceed $30 million, according to its most recent publicly available federal tax return. Ryan’s salary, the last filing shows, is nearly $300,000.

Congress and other political connections

Wineries partly owned by Rep. Nunes, R-Calif. Nunes listed on his 2018 public financial disclosure forms roles as a limited partner with investments in Phase 2 Cellars in San Luis Obispo, California, and Alpha Omega Winery in Saint Helena, California. The PPP data shows the wineries received loans of $1 million to $2 million.
KTAK Corp., a Tulsa-based operator of fast food franchises owned by Rep. Kevin Hern (R-Okla.), received between $1 million and $2 million. Hern had advocated increasing the size of loans available to franchisees, including in a March letter to Senate leaders Mitch McConnell (R-Ky.) and Charles E. Schumer (D-N.Y.).
Rep. Mike Kelly (R-Pa.) benefited when three of his car dealerships, located outside of Pittsburgh, received a combined total of between $450,000 and $1.05 million. Kelly is a multimillionaire.
Several plumbing businesses affiliated with Rep. Markwayne Mullin (R-Okla.), all based in Broken Arrow, Okla., each received between $350,000 and $1 million.
Rep. Rick Allen’s (R-Ga.) construction company in Augusta received between $350,000 and $1 million
EDI Associates, a company the husband of House Speaker Nancy Pelosi invests in, received between $350,000 and $1 million.
Rep. Nita Lowey’s (D-N.Y.) husband's law firm Lowey Dannenberg P.C. received a loan between $1 million and 2 million. Her husband, Stephen Lowey, is listed as chairman emeritus on the firm's website and is retired from the firm.
Lobbying and policy group Waxman Strategies, which is run by former Rep. Henry Waxman, D-Calif., and his son Michael, which received a loan of $350,000 to $1 million.
Before the release of the data Monday, three members of Congress said they or their spouses had received PPP loans: Rep. Roger Williams, R-Texas; Rep. Vicky Hartzler, R-Mo.; and Rep. Susie Lee, D-Nev.
An affiliate of Americans for Tax Reform, the influential conservative group that has been a vocal critic of government spending, received between $150,000 and $350,000. ATR founder Grover Norquist has criticized the unemployment insurance provision of the CARES Act, which he said “delays recovery,” and signed a letter urging lawmakers not to approve a second stimulus bill.
The Ayn Rand Institute, named for conservative philosopher Ayn Rand, received a loan of between $350,000 and $1 million, which it called “partial restitution for government-inflicted losses."
Citizens Against Government Waste, one of the country’s most prominent anti-government spending organizations and a frequent critic of the CARES Act, took between $150,000 and $350,000 in loans as well.

Other noteworthy recipients

More than 5,600 companies in the fossil fuel industry have taken a minimum of $3bn in coronavirus aid from the US federal government. The businesses include oil and gas drillers and coal mine operators, as well as refiners, pipeline companies, and firms that provide services to the industry.
Yeezy, which California business filings show is a holding company registered to Kanye West, received between $2 million and $5 million to support 106 jobs. West is estimated to be worth $1.3 billion.
Washington lobbying shops, high-priced law firms and special-interest groups also received big loans, according to the administration, the latest indication of how the government’s centerpiece effort to shore up mom-and-pop shops set off a race by organizations far afield from Main Street to secure federal money.
  • Wiley Rein, which has a large lobbying practice focusing on trade issues, received between $5 million and $10 million
  • Van Ness Feldman and Beveridge & Diamond, two law firms that focus on helping energy industry clients push their agendas in Washington, received loans between $2 million and $5 million
More than 100 law firms received loans ranging from $1 million to $10 million, the data showed. The list included well-known names like Boies Schiller Flexner, the high-priced law firm run by David Boies, which received between $5 million and $10 million.
A number of prominent private schools were listed as loan recipients, despite the controversy over whether such institutions should take the money. Some also have political connections in DC.
  • In New York City, St. Ann’s School took a loan valued between $5 million and $10 million.
  • Kent Place School, a private school in New Jersey, was reported to have received a loan worth between $1 million and $2 million.
  • Sidwell Friends, which has educated the children of presidents, received a loan worth between $5 million and $10 million.
  • Georgetown Preparatory School, which the Supreme Court justices Brett Kavanaugh and Neil Gorsuch attended, received a loan worth between $2 million and $5 million.

The more you know

Fair distribution? There was no apparent link between the amount of economic damage suffered by states and how successful the small businesses in them were at getting the loans from the program. North Dakota, South Dakota, Nebraska, and Kansas all saw loan approvals of at least 90 percent of their eligible small-business payroll, even though they rank among the least-affected states in terms of unemployment claims during the crisis.
Just a small fraction of the bailout. Keep in mind that the Paycheck Protection Program is just one part of the government’s bailout. There are other, bigger, bailout efforts that the federal government is not required to tell us about.
Here are some articles about the bigger business and financial sector bailouts:
  • ProPublica: How the Coronavirus Bailout Repeats 2008’s Mistakes: Huge Corporate Payoffs With Little Accountability
  • Brookings: What’s the Fed doing in response to the COVID-19 crisis? What more could it do?
  • NYT: How the Fed’s Magic Money Machine Will Turn $454 Billion Into $4 Trillion
submitted by rusticgorilla to Keep_Track [link] [comments]

Updated list of Global Beermoney opportunities (+180!) - June 2020

Updated list of Global Beermoney opportunities (+180!) - June 2020

Introduction

The current, and now previous, Beermoney Global list started nearly 5 years ago. It’s been updated and has grown over all that time, but it also became a hassle to keep current. It was time to build a new list from scratch based on my experience in the Beermoney world over all these years and all the contributions all of you have been making in this sub.
The lists consist of opportunities that are available in at least one country that is not the US. This means there are sites which only work in Canada or the UK. There’s sites which are open to the whole world, but this does not mean everyone can really earn something on it. It’s all still very demographic and therefore location dependent. This list should give you a starting point to try out and find what works for you. I’m not using everything myself as I prefer to focus on a few, so not all are tested by me. They are found in this sub, other subreddits and other resources where people claim to have success.
I’ve chosen the format of a simple table with the bare minimum of information to keep things clean. It includes a link, how you earn, personal payment proof if available and sign-up bonus codes if applicable. Some of these bonuses are also one-time use codes specifically made for this sub! For the ones I don’t have payment proof (yet) feel free to provide some as a comment or via modmail so others know it’s legit. I am working on detailed instructions for each method that I personally use which will include things like cashout minimum, cashout options, tips & tricks,... For now I’ve split things up based on the type of earning like passive or mobile. Because of this there’s sometimes an overlap as some are both passive and on mobile or both earning crypto and a GPT (Get Paid To) website.
The lists are obviously not complete so I invite you to keep posting new ones in the sub, as a comment to this post, or in modmail. Especially if you have sites or apps which work for one single specific country I can start building a list, just like I did for The Netherlands and Belgium. If you recognize things which are in fact scams or not worth it let me know as well.

Beermoney opportunities

Get Paid To (Surveys, tasks, offers, videos, clicking links, play games, searching)
Register here How to earn Payment proof Sign-up bonus code
ySense - The best global site Surveys, tasks, offers, videos Paypal /
PrizeRebel Surveys, tasks, offers, videos Paypal Enter code 'beermoneyglobal'
SerpClix Google searching Paypal /
Swagbucks & SwagButton Surveys, tasks, offers, videos, shopping & cashback, games, apps Paypal /
GG2U Surveys, tasks, offers, videos Pending $1.00 if register here
Keep Rewarding Surveys, tasks, offers, videos, PTC Pending $0.25 if register here
Ebesucher Surfing, reading mails Bank transfer /
Reward XP Surveys, tasks, offers, videos Pending $0.50 if register here
Gain.gg Surveys, tasks, offers, videos Paypal $0.10 if register here
Timebucks Surveys, tasks, offers, videos, Tik Tok, Shopping Pending $1.00 if register here
GamerMine Surveys, offers, videos, tasks, Pending $1.00 if register here
Gamehag Tasks, offers, play games, post on forum, writing Pending /
BTCSurveys Surveys Pending /
FruitLab Watch & upload video game clips Pending 100 pips if register here
Clickworker Transcripts, tasks, UHRS (categorizing), surveys Paypal /
FreeSkins Surveys, offers, tasks, videos Pending 100 coins if register here
iRazoo Games, surveys, videos, offers, apps Pending Enter code 'AK7DB2' for 500 points when signing up
EarnCrypto Data entry, surveys, offers, tasks, videos, games, apps Pending /
Blockreward Apps, surveys, videos, tasks, offers Pending $2.00 if register here and earn 20000b + $2.00 if earn 10000b within 30 days
PaidViewPoint Surveys Pending /
GrabPoints Suverys, videos, offers, games, apps Pending 500 points if register here
RewardingWays Surveys, offers, tasks, videos, contests Pending $0.20 if register here
SuperPay Surveys, offers, tasks, videos, contests Pending $0.20 if register here
InstaGC Surveys, tasks, videos, apps Pending /
GiftHunterClub Surveys, offers, videos, apps, games Pending $0.75 if register here
Idle-Empire Surveys, offers, videos, mining, apps, games Pending 500 points if register here
PicoWorkers Tasks, games, apps Pending /
ViewFruit Surveys Pending /
Mobrog (change language if needed) Surveys Pending /
Surveytime Surveys Pending /
Giveaway Pros Offers, videos Pending /
SEO Sprint (Russian, use Google Translate) Tasks Pending /
Earnhoney Surveys, tasks, offers, videos Pending /
Toluna Surveys Pending /
Spidermetrix Surveys Pending /
BeerSurveys Surveys, tasks, offers Pending /
CrowdHolding Co-create with startups Pending /
Diaworkers Tasks Pending /
Presearch Search & Earn Pending /
Univox Community Surveys Pending /
YouGov Surveys Pending /
Spare5 Tasks Paypal /
Rewardia Surveys, polls, games, videos, puzzles, trivia Pending 3000 points extra (when you earn 3000 points) if register here
Earnably Surveys, tasks, offers, videos Pending /
Neevo Tasks Pending /
Rakuten Insight (country specific links) Surveys Pending /
The Panel Station Surveys Pending /
Remotasks Tasks Pending /
Pureprofile Surveys Pending /
UserCrowd Tasks PayPal /
Sruvey Village Surveys Pending /
InboxDollars/InboxPounds Surveys, offers, videos, shopping Pending /
Qmee Surveys Pending /
MicroWorkers Tasks Pending /
Cinchbucks Surveys, offers, tasks, videos Pending /
Rewards1 Suverys, videos, offers, games, apps, polls, contests Pending /
Vindale Surveys Pending /
PointClub Surveys Pending /
TGM Panel Surveys Pending /
PaidPoints Tasks, offers, traffic exchange, ad clicking Pending /
RapidWorkers Tasks Pending /
AnyTask Sell your skills Pending /
Bounty0x Tasks Pending /
Opinion World Surveys Pending /
Lifepoints Surveys Pending /
Passive (desktop & mobile)
Register here How to earn Payment proof Sign-up bonus code
HoneyGain Desktop & mobile phone bandwith sharing (wifi + data) Paypal $5.00 if register here
FluidStack Desktop bandwith sharing (Linux needed) Paypal /
PacketStream Desktop bandwith sharing Pending /
LoadTeam CPU power sharing Pending $0.20 if register here
Gener8 Browser extension Pending 10 tokens if register here
Kryptex Crypto mining Pending /
Ebesucher Surfing, reading mails Bank transfer /
Honeyminer Mining Pending 1000 satoshis if register here
LazyBucks Rent out your Facebook account Pending /
HideoutTV and link to Reward XP to cashout Videos Pending /
Honey Discounts & Cashback / 500 Honey Gold if register here
Fitplay Games Pending $0.33 if register here
Mistplay Games Pending /
Money SMS Receive SMS Pending /
McMoney Receive SMS Pending $0.22 if using code '60LGG3PR'
SMS Profit Net Receive SMS Pending /
Simcash Send SMS [risky] Pending /
Cash4sms Send [risky] & receive SMS Pending /
ControlMySMS Receive SMS Pending /
Birdchain Send SMS [risky] Pending /
Sweatcoin Walking Pending /
COIN Explore Pending 1000 coins if register here
Panel App Surveys, location sharing Pending /
Phoneum Games, mining Pending /
Crypto (faucets, mining, GPT)
Register here How to earn Payment proof Sign-up bonus code
Cointiply Faucet, surveys, tasks, offers, videos Bitcoin Enter code 'beermoneyglobal'
FreeBitcoin Faucet, lottery, betting, passive interest Bitcoin /
AdBTC Click ads, active window surfing, autosurfing Pending /
Faucetpay Faucet Wallet, exchange, offers, tasks, trading Pending /
Faucet Crypto Faucet, ads clicking, offers, shortlinks Pending /
More Money Faucet, ads clicking, offers, shortlinks Pending /
Kryptex Crypto mining Pending /
Quicrypto Surveys, tasks, offers, games, videos Pending /
Coinpot Faucet Bitcoin /
Honeyminer Mining Pending 1000 satoshis if register here
BitShark Faucet, games Pending /
Publish0x Read & write articles Pending /
Starbits Faucet (need FaucetPay account) Pending /
Coinpayu Ads clicking, videos, offers Pending /
BTCSurveys Surveys Pending /
Blockreward Apps, surveys, videos Pending $2.00 if register here and earn 20000b + $2.00 if earn 10000b within 30 days
Coinbase Crypto sign-up bonuses Bank transfer See links in thread
LBRY.tv Watch videos Pending /
Pi Network Crypto mining Pending (see here) To join you need a referral link
EarnCrypto Data entry, surveys, offers, tasks, videos, games, apps Pending /
Phoneum Games, mining Pending /
Mobile
Register here How to earn Payment proof Sign-up bonus code
Cointiply Faucet, surveys, tasks, offers, videos Bitcoin Enter code 'beermoneyglobal'
HoneyGain Desktop & mobile phone bandwith sharing (wifi + data) Paypal $5.00 if register here
Google Opinion Rewards Surveys Play Store credit /
FreeBitcoin Faucet, lottery, betting, passive interest Bitcoin /
AppKarma Games, quizes, surveys Pending Enter code 'Proim' for 300 points when signing up
CashKarma Surveys, offers, games Pending Enter code 'Proim' for 300 points when signing up
Cash Alarm Games Pending Receive 25% of my earnings if register here
Cash Magnet Games, offers, tasks, videos Pending /
AttaPoll Surveys Pending /
ClipClaps Videos, games, raffles PayPall $1.00 & Diamond Chest if register here
Quicrypto Surveys, tasks, offers, games, videos Pending /
Poll Pay Surveys Pending $0.30 if using code '4CS6L4SQ8D' when signing up
BuzzBreak Read news, videos, offers, surveys Pending Enter code 'B06472489' when signing up
Userlytics Software testing Pending /
WowApp Games, offers, surveys, videos, chat, phone unlock, calling, cashback, shopping cashback, browsing, news reading Pending /
CuriousCat Surveys Pending /
Quickthoughts Surveys Pending /
Fitplay Games Pending $0.33 if register here
TV-Two Make Money Apps, games, Youtube, browsing Pending 555 credits if register here
Mistplay Games Pending /
FeaturePoints Suveys, offers, apps, cashback Pending 50 points if register here
Money SMS Receive SMS Pending /
BIGtoken Suveys, location sharing, social media account Pending Use code 'GMGALLOIA'
McMoney Receive SMS Pending $0.22 if using code '60LGG3PR'
Pi Network Crypto mining Pending (see here) To join you need a referral link
Roamler Mystery shopping Pending /
SMS Profit Net Receive SMS Pending /
Streetbees Surveys, tasks, create videos, take pictures Pending Enter code '6115GF' when signing up
Simcash Send SMS [risky] Pending /
VoxPopMe Video feedback Pending /
Cash4sms Send [risky] & receive SMS Pending /
Citizen Me Surveys Pending /
ControlMySMS Receive SMS Pending /
Birdchain Send SMS [risky] Pending /
Sweatcoin Walking Pending /
COIN Explore Pending 1000 coins if register here
Panel App Surveys, location sharing Pending /
GiftHunterClub Surveys, offers, videos, apps, games Pending $0.75 if register here
Phoneum Games, mining Pending /
Research
Register here How to earn Payment proof Sign-up bonus code
Respondent Interviews, research, surveys Pending /
Prolific Surveys, research Paypal /
User testing
Register here How to earn Payment proof Sign-up bonus code
TestingTime Software testing Pending /
uTest Software testing Pending /
PingPong Software testing Pending /
TryMyUI Software/UI testing Pending /
Testbirds Software/UI testing Pending /
Pulselabs Voice app testing Pending /
PlaytestCloud Game testing Pending /
Userlytics Software testing Pending /
Investing (revenue share)
Register here How to earn Payment proof Sign-up bonus code
PaidVerts Ad clicking, offers, revenue sharing Bitcoin /
MyTrafficValue Games, investing PayPal /
Selling (designs on merchandise, skills/gigs)
Register here How to earn Payment proof Sign-up bonus code
Fiverr Sell your skills Pending 20% off on first purchase if register here
Redbubble Sell your designs Pending /
Zeerk Sell your skills Pending /
TeePublic Sell your designs Pending /
Teespring Sell your designs Pending /
Transcribing/Translating
Register here How to earn Payment proof Sign-up bonus code
Rev Transcribing, captioning, foreign subtitles Pending /
Gotranscript Transcribing, translating captioning, foreign subtitles Pending /
TranscribeMe Transcribing, translating, data annotation Pending /
Unbabel Translating Pending /
Others
Register here How to earn Payment proof Sign-up bonus code
Wealthy Affiliate Learn affiliate marketing Pending /
Brave Brows internet Pending /
Andromo Develop apps Pending /
The Netherlands specific
For The Netherlands there are a few very good options next to a bunch of ‘spaarprogramma’s. There ‘spaarprogramma’s are all the same where you receive and click a bunch of e-mails, advertisements, banners,... I advise you to create a separate e-mail address or use a good filter in your inbox as you will be spammed to death. I believe they can be a nice piece of beermoney but they take quite the effort.
Register here How to earn Payment proof Sign-up bonus code
Euroclix Surveys, shopping & cashback, offers, energy/internet providers Bank transfer €1.95 if register here
StemPunt Surveys Gift cards 500 points if register here
Cashback XL Shopping cashback, health insurance discount Bank transfer /
Scoupy Shopping cashback, free products Pending /
Cashback Korting Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €7.50 if register here
Lady Cashback Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €7.50 if register here
Enqueteclub Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €7.50 if register here
Snel Verdienen Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €2.50 if register here
Spaar Actief Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Klik Je Zakgeld Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Zinngeld Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €0.10 if register here
My Clics Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.25 if register here
Direct Verdiend Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €2.00 if register here
Spaar4Cash Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.50 if register here
Qassa Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending /
My Flavours Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Cash Ze Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Geld Race Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.25 if register here
iPay Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.25 if register here
Double Points Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €2.00 if register here
Mailbeurs Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.50 if register here
Qlics Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.25 if register here
Centmail Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.50 if register here
Extra Euro Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.25 if register here
Gekken Goud Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Dutch Euro Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.50 if register here
Nu Cash Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register
Snel Euro Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Cash Hier Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.50 if register here
Betaalde Mails Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €2.00 if register here
Goudmails Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
Online Cashen Read mails, click banners, shopping cashback, shopping deals, compare (GWL, data, internet, tv, insurances), offers, surveys Pending €1.00 if register here
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submitted by Proim to beermoneyglobal [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]

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]

How to access the "Forbidden Wiki"

We all love Wikipedia, don’t we? A seemingly endless source of information, all consolidated on a well-formatted, visually pleasing website. And despite what your teacher might tell you, I can guarantee you that just about nobody’s trying to rewrite history pages with false information. Nobody has the time for that, nor does anybody care enough to do it.
Beyond research and general curiosity, there’s a ton of fun stuff you can do on the site. For example, there’s the Wikipedia game, where you start on one topic page and then click on related hyperlinks until you reach the pre-specified destination page. Also, did you know that if you go on a Wikipedia page relating to any topic, click on the first hyperlink and repeat the process, you’ll eventually find yourself in a loop that always directs you back to the page for philosophy? Deep stuff, really.
Now, that’s all fun and whatnot. But did you know that there’s something else you can do on Wikipedia? A ritual of sorts?
I recommend proceeding with caution. There is a certain level of risk involved when pursuing something like this. Would I recommend it? Not really. So why am I talking about it at all? Well, I’ll explain later.
This is what you’ll need:
A device with internet access. Preferably something mobile, like a laptop or smartphone. Make sure that none of your personal information is stored on this device. If it’s a smartphone, take out the SIM card, delete all your contacts, social media apps, photos, etc. This is not an optional step.
Internet access. Preferably public, like a library or a large, crowded coffee shop. Obviously not so feasible right now, so I’d wait until the virus dies down. You can also just use your home internet. Not recommended, though.
A weapon/bodyguard/vehicle. Optional, but also not at the same time. You’ll only need these things for reasons I’ll explain later. But more often than not, you won’t be needing these things. 15/100 times, I’d say. Still, better safe than sorry. Try and pack some heat.
Here’s what you’ll need to do. Sit down at a library, coffee shop, university campus, or any place with public Wi-Fi. Start off by visiting an extremely popular Wiki page. For example, Michael Jordan, World War 2, Elon Musk, Google, etc. Now, here’s where you gotta exert a bit of brain power. You’re gonna have to traverse from this popular page to an obscure page that has hardly been seen at all in comparison. But don’t go searching up something like “creepiest Wikipedia pages”, or “most bizarre Wikipedia pages” and try to get there. If those pages are on a list, then they’ve probably received a lot of traffic.
You’ll need to find a page about something truly unknown/inane, like some unheard-of Romanian folk singer from the 1960’s who only released 2 songs before dying in their 30’s or something. Doing this is harder than you might think. The page truly has to be something that very few people are aware of or would bother to learn about.
Once you’ve found a page that you deem suitably obscure and unseen, you’ll have to click on the Wikipedia home page, find another popular topic and repeat the process. Maybe 3, 4, 5 times at the very max. But don’t worry about clicking pages endlessly. You’ll know that you’ve done it right when you come across a seemingly blank page. The Wiki symbol and side options will still be there, but the page itself will be devoid of any pictures or text. Except for the title of the page at the top, that is.
It’ll say “INFORMATION LIMIT”, followed by a string of numbers. Remember that string. You’ll need it later. Also, don’t close the browser.
You’ve done it. The “ritual” has officially begun. At this point, you’ll have to leave the location you accessed it at. For the love of God, don’t just go back into your house. Get into your car or walk on foot to a remote location without internet access. You can’t just be disconnected from a network. There should be no networks available to scan for at all.
Make yourself comfortable and open that Information Limit page again. Hit refresh. Another page should load up, despite the lack of connection. It’ll be a login screen, with a single prompt.
“Enter access point: “
Enter the string of numbers you memorized earlier, EXCEPT for the last 2 digits. Most people who try this just type in the string as it is. Do not do this or you’ll be met with a horrible fate. Pay attention and refrain from fucking it up. Once this is done correctly, you’ll be directed to something that looks like the Wikipedia home page, but just a bit different.
Now, I’m not quite sure what kind of site this is, or where it even originates from. A lot of people just call it the “Forbidden Wiki”, myself included.
I need to note something of great importance here. If the page that loaded up is not in English or whatever language that you originally accessed it from, then click off immediately and go home. You… shouldn’t try and subject yourself to any of the images that may pop up on the pages you visit. They aren’t meant for you. Aren’t meant for human perception. If you glance upon these images, you’ll end up with a fate worse than the one that you’d get if you entered the entire string into the prompt. And that one is bad to begin with. You’re curious, but don’t take the risk.
But if the page is in the language you recognize, then go ahead and proceed. You’ll notice that the Wikipedia symbol will now be a bit different than the one you’re familiar with. It might be a different shape. A different color. Different symbols, perhaps. More often than not, it’ll look more ominous. More sinister, I suppose.
You need to keep in mind that the articles and topics you might stumble across on this site do not exist in our world. They are not something we need to be worried about. Don’t stay up at night thinking about what you’ll see. As far as we need to be concerned, they’re not real.
From this point, you have free range to explore as you please (somewhat). Be sure not to look at more than around fifteen pages, spending less than a minute on each. If you linger around forbidden knowledge for too long, they will know you’re looking. And they’ll be sure to look for you as well. This is information that you shouldn’t be privy to, and they’ll make sure it remains that way.
Who are “they”, exactly? Anybody who has a solid answer to that question likely isn’t around to divulge it. Just know that they are not from this plane of reality. That they possess far more strength and knowledge that you could ever imagine. Don’t think you’ll be able to evade or God forbid try and fight back against them. Even the most decorated government field agent who’s been through hell and back wouldn’t come close to succeeding. Humans that try and overstep the boundaries of what they’re supposed to know are nothing but pesky bugs that need to be exterminated to them.
Or in the worst case… bugs that need to be made an example out of first.
But don’t be too scared. Like I said, just don’t linger on any one page for too long and don’t visit too many. If you do this, you’ll more or less be able to bypass their detection.
But don’t think this means you’re somehow getting the best of them. You’d need to read and analyze these forbidden articles for upwards of hours before understanding what they truly mean and the ramifications of their existence in the multiverse. With less than a minute of exposure, you’ll only be able gain a surface-level understanding of the subjects at best. And “they” hardly care about that.
However… there is a way to legitimately bypass their detection, enabling you to look at the articles for a longer duration of time. But these involve complicated strategies that require extensive knowledge in both programming and arcane occult rituals. And even then… the risk is still astronomically high. Again, not recommended.
You might be wondering why you can’t just take pictures and look over them afterwards for however long you want. Well, I suppose you could. But it makes no difference. They’ll still know you’re looking and react accordingly.
So why bother bringing any kind of weapon, you might ask? Well, it’s not to fight back against “them”. Like I said, that’s a fruitless effort. Nah, these weapons are for the “Lurkers”. Sometimes, if you’re unlucky (around 15% of the time, like I said), your mere digital presence on the Forbidden Wiki will alert them to your location, and it’s something that can’t be helped. But even though the Lurkers aren’t in any way affiliated with “them”, they do have comparable goals. They don’t want you looking at that information either. But unlike “them”, the Lurkers don’t want you to have any kind of awareness of the subjects at all.
You won’t be able to anticipate them. They might fall out a tree if you’re in a forest. They might step out of a dark corner if you’re in an abandoned building. They might crawl out of a lake. You get the gist of it. You won’t see them coming.
Some will be more humanoid in appearance. Some will look more… unfamiliar. They will try and kill you in any way possible should you keep looking at the site. One sure way to guarantee your survival in these situations is to just close the browser, drop your device and take off. If you do this, they’ll have no reason to chase you down.
However… if you do want to keep looking, the Lurkers aren’t impossible to dispose of. In fact, if you’re armed well and have moderate combat experience, you should be able to wipe them out relatively easily and then continue exploring the site. Conversely, you could hire somebody else to deal with them on your behalf while you continue browsing. I’d recommend this option. Like I said, you can’t stay on one page for too long. And if the Lurkers start giving you trouble... then you might be a bit screwed.
I’m not quite sure what the deal is with the Lurkers either. One theory is that they’re simply interdimensional agents/mercenaries hired by a 3rd party who wants to protect their information from outsider eyes. But then who is this 3rd party? And why are they trying to protect the info? This is why I don’t bother with the theorizing. There’s simply too much that we can’t know.
Well, now that that’s all out of the way, let me tell about some of the pages I’ve come across on the Forbidden Wiki. Keep in mind that I had under a minute to glance over these, and despite having a fairly good memory, I’ll only be able to describe so much.
The Great Lakes Incident
“The Great Lakes Incident was a naval battle that took place across all five Great Lakes on the Canadian-US border from 2007-2011. Reports about a mysterious ship rising out of the water alerted Canadian authorities in late 2010… the belligerents were of an unusual nature, able to withstand conventional weaponry… possessing multiple heads, considered in between amphibian and humanoid… finally resolved using firebombs and chemical weapons…”
Inhabitants of the Bermuda Triangle
“…the beings living on these small, scattered islands are extremely hostile towards human contact… reported to be able to fly, causing trouble for aircraft travelling through… believed to have originated from a large, underwater volcano…
The Grand Canyon Void
“The Grand Canyon Void is a hole in the ground in Northwest Arizona measuring approximately 4.6 meters in diameter… hikers reported staring into the hole for hours on end, before they were dragged away from it by park authorities… an average of 12 hikers were reported to have jumped into it during the month of March, with their bodies turning up in different countries…”
Mr. Dream
“Mr. Dream is an Australian DJ from Perth… his self-proclaimed style is known as ‘infernal trance’. People at his live shows have been reported to experience moments of incredible euphoria, before disemboweling each other in the crowd… the manhunt is ongoing, with his latest show reported to have occurred in June 2019, at an underground venue in Paris.”
The Akroid mansion
“The Akroid mansion is a large estate located on the outskirts of Houston, Texas, belonging to the Akroid family… famously known for being the founding members of the cult known as ‘The Dawn of the collapsing Moon’… 77 attempts have been made to infiltrate the house, resulting in 587 Officer casualties. Only one known member of the Akroid family has been neutralized… the members are known to conduct rituals involving biological transformations of the human body… these creatures react in accordance with lunar cycles, exhibiting the most violent tendencies when the moon appears early in its first quarter…”
Channel 51 News
“Channel 51 news is a controversial news station that broadcasts on Channel 51 between 3-4AM… the reports presented on the program have been considered nonsensical and disturbing to the viewers watching… sometimes the hosts have reported incidents that have not occurred up until that point, only for these incidents to transpire one week after, as was the case with the Tokyo Massacre… The location the channel broadcasts out of remains impossible to pinpoint…”
As hard as it may be to believe, these are some examples of the more normal pages on the Wiki. Some of the other ones I’ve seen are… downright fucked.
The man inside your head
“The man inside your head is an arcane entity that exists within your subconscious. His intentions are malicious, and a good portion of your mental capacity is used to suppress him from escaping at any given time. Don’t let him escape.”
Eye in the Sky
“The Eye in the Sky is large eye measuring approximately 4400 meters in diameter that appears in the sky every so often, usually during violent storms. When it appears, it is advised not to look at it under any circumstances. The only exception to this rule is for those who have been forsaken and absolutely need to. You’ll know if you need to.
The corner in your basement
“The corner in your basement is that one dark spot in your basement tucked away in that far corner. No matter how much light you shine on it, it’ll never illuminate, and you’ll never know what’s lurking within it. You better figure out what it is soon.”
The Snowstorm Angel
“The Snowstorm Angel is that figure you see in your backyard during heavy snowstorms. You’ll think your eyes are playing a trick on you, and that your senses are somehow being distorted by the snowfall but make no mistake. It’s there. People often assume its nature to be benevolent, given its name. That assumption is incorrect.”
These kinds of articles were always shorter in length. In fact, what I described above pretty much represented the entirety of the text. These articles all included pictures as well. I regret ever looking at any of them.
You might be wondering why I’m telling you about the Forbidden Wiki at all, along with how to get there. As contradictory as it may seem, this is a precautionary tale. Most people will read this and believe it to be fake, or simply lack the time, energy or motivation to go through with it. Good. Be one of those people.
But then there’s the people who don’t fit that bill. The “thrill-seekers”, so to speak. These are the ones who’ll look for it no matter what. Eventually they’ll find another set of instructions written by somebody else. But one that might not include a proper warning. One that doesn’t tell the whole story.
I am here to give you that warning. Don’t do this.
I thought I was safe just browsing around. I followed all the rules. I hired hitmen off the dark web to accompany me in case the Lurkers showed up. I always made sure to not overstay my welcome on any of the pages, in order to keep myself hidden from “them”.
In reality, the Forbidden Wiki is a strange and complicated place. You may think that you’ve experienced enough and that you’ve figured out all of its tricks… but don’t underestimate it. We were never meant to lay our eyes on something like this.
I stumbled upon a ‘particular’ page the last time I paid a visit to the site. This was the page that ruined everything. The title was simply a phone number. A phone number that contained my area code. Here was the description. I remember this one verbatim:
“(XXX)-XXX-XXXX is a number that will be calling you in a few days. You are obligated to answer his call and follow his instructions. If you refuse, he will come to you. You will only have two chances.”
Here’s the thing. I live in an apartment so I don’t have a basement. I’m pretty sure there’s no demonic entity living inside my head. I’ve never seen a giant eye in the sky. I’m in the South, so snowfall is rare and sparse at best. Up until a point, the shit I’ve seen on the Wiki had been 100% separate and disconnected from my real life. I really thought I had no cause for concern.
But… I did get a call. A call from a number I really hoped I wouldn’t see again. I let it ring through without picking up.
One last chance.
submitted by Mr_Outlaw_ to nosleep [link] [comments]

Suspect MLM - Hope someone can help?

I've never posted in this sub before, but I do love reading it. And don't worry, the 'help' I need is not because I am in danger of signing up for an MLM. Its because I suspect a company currently popular within one demographic might be an MLM, despite popularity :
JOLYN
Check them out.. Let me know.
Please
submitted by Saquezz22 to antiMLM [link] [comments]

The Perversion of Critical Theory: Nadia Bolz-Weber

This particular concept is leading many astray and we must confront it everywhere it pops up. Having endured my University’s Critical indoctrination program for the past 3.5 years, I decided to write something up about it and how this relates to our faith, enjoy. (5-minute read)

Many issues in the modern Church that we talk about (the attack on masculinity, biblical roles etc) stem from something called Critical Theory. So I thought it would be better to rebuke false teachers such as Nadia Bolz-Weber by exposing their worldly philosophical framework first, then we will see clearly to reject their theology, deceptive practises and thus, clear its outworking from our Churches.

Critical Theory and Bolz-Weber
Critical Theory is a social theory that critiques and changes society by targeting its power structures and the concepts that hold these together. Critical Theory and the principles within it can really be applied to anything, and it absolutely wreaks havoc when applied to Christianity.
“You will know them by their fruits” (Matthew 7:15-20)
Here are some of the fruits of Critical Theory and its adherents:
All of these have something major in common, they are united in their rebellion against an established authority. That authority may be different in each case, for feminism the authority is the patriarchy. In the case of the sexual revolution – purity and marriage. But the really devastating rebellion is this: rebellion against the authority of established truth.
Postmodernism is most blatantly affiliated with this rebellion, and many people are unknowingly affected by its core thesis in some way. The thesis: ‘the truth is what you think it is’ which basically translates to: ‘The truth is what feels good to you’. (Sounds pretty similar to Judges 21:25 huh)
You can see this thesis at work in the life of Bolz-Weber.
Here is a teacher who is rebelling against 2000 years of widely accepted Christian thought. Indeed, she referred to the life work of Augustine of Hippo as a ‘dump’, and Paul’s writings as ‘snotty opinions’. Bolz-Weber is trying to dismantle established Christian thought surrounding sex via a sexual reformation based on the arguments of Martin Luther.
Where does her authority to say and do such things come from? Herself and her own ‘spiritual revelation’. After an abortion and divorce, she got back with an old boyfriend and essentially said that “the sex was so good it made me question the relationship between sex and religion”.
Martin Luther right now.

How Critical Theory affects our Evangelism
The philosophy behind this error is not just exclusive to Bolz-Weber. It is being widely proliferated in many different Christian denominations. The Catholic organisation I am indirectly employed by has adopted a ‘be your best self’ humanistic psychology. The leader said in a recent zoom meeting that we are not preaching the gospel, but encouraging students to embrace ‘who they are’ -> whether that be atheist, Muslim etc.
This is in line with the vision of human flourishing: a recent heretical teaching that has its roots in Critical Theory as applied to the Great Commission. Christians have always been for helping the poor and needy but due to ‘new interpretations’ of Jesus’ words, in the year 2020 the Great Commission has been translated to helping everyone flourish in their lives on earth.
“For what does it profit a man to gain the whole world and forfeit his soul?” (Mark 8:36)
Whether you are flourishing in life or not, you need to repent in the name of Jesus. This is not just a once-off deal, but a continuous commitment to walk by faith and follow Jesus’ commands.
Pointing people towards this is the number 1 way that we help them, other than attending to their basic needs. So when we neglect to point people toward the ONLY way for their salvation, we are like the servant given a single talent who then buried it in the ground. Critical Theory justifies disobedience.

How Critical Theory affects our Christianity
Critical Theory lends itself to something CS Lewis referred to as ‘Chronological snobbery’. That is, the view that by virtue of its recentness, any position is more authoritative than old and established positions.
When teachers bring us new interpretations of scripture we cannot merely quote scripture back at them, their argument lies in their interpretation, their interpretation lies in their worldview/doctrine. These new claims must be weighed against Biblical canon as a whole. That means they must be weighed against established worldview/doctrine. That is, established interpretations based on Authorial intent – not what some feminist suddenly thinks Paul really meant in Ephesians 5.
The primary objective of the enemy is to undo the work of Jesus Christ, and what did Jesus Christ come to do? To destroy the work of the devil: sin. (‘I have come that they may have life’).
One of the most important things Critical Theory does to Christianity is undercut the Gospels power by attacking the concept of sin. It does this by either saying something isn’t a sin (changing established doctrine) or it downplays the gravity of sin. Nadia Bolz-Weber and many other ‘Christians’ do so in a matter that is utterly disgraceful, bringing the gospel into disrepute and trampling on the cross.
‘How do we know what sin is?’ Bible + right interpretation. ‘We know the Bible is reliable, but how do we know what the right interpretation is?’ Authoritative figures + Authorial intent. ‘I get Authorial intent, but how do we know which authoritative figures are Godly?’ By their fruits. ‘What’s the main fruit to look for?’ Whether or not they teach repentance via the cross. Repentance that leads to forgiveness, and forgiveness that leads to life evidenced by righteousness.

Critical Theory applied to Faith alone
Critical Theory has absolutely destroyed Faith alone, and the newly defined concept enables many modern heresies. Faith alone now apparently justifies (among many things) Vagina sculptures, homosexuality, abortion, idleness, and a dead and useless belief. Further, it is the single biggest point of confusion and division within Christianity. Those ‘Christian’ women sleeping around that we all complain about? ‘Don't judge bro, they are just as holy as you.’ How the devil has deceived us!
There is no salvation without faith. Likewise, there is no faith without repentance. No repentance without confession of sin. No confession without admitting that we have a sinful heart (and indeed that sin exists in the first place).
True and transformative faith will lead to righteousness (evidenced by fruits and good works) and a renouncement of the world and its desires. So let’s not get bogged down once again in the faith vs works non-debate. Open your eyes. Without action your faith is dead!
In the words of Martin Luther himself:
“Saving faith is a living, creative, active and powerful thing, this faith. Faith cannot help doing good works constantly. It doesn’t stop to ask if good works ought to be done, but before anyone asks, it already has done them and continues to do them without ceasing. Anyone who does not do good works in this manner is an unbeliever...Thus, it is just as impossible to separate faith and works as it is to separate heat and light from fire!”

If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness.” (1 John 1:9)
“Whoever conceals their sins does not prosper, but the one who confesses and renounces them finds mercy.” (Proverbs 28:13)
“Neither do I condemn you; go and sin no more.” (John 8:11)
And of course, Jesus’ first public announcement:
“The time is fulfilled, and the kingdom of God is at hand. Repent, and believe in the gospel.” (Mark 1:15)

Hopefully this has provided you with some insight into the framework that our opposition uses, and how this has crept into our faith at a theological level and thus affected many brothers and sisters. Wherever you’re at, be encouraged, admonished, awakened, but for the love of God: grow. (2 Peter 1:5-11).

Stats:
submitted by UpTanks to RPChristians [link] [comments]

UAH saved, but now what? (A hypothetical extreme realignment scenario)

As noted in the press release resurrecting #STANHORSIES from the grave, one of the conditions for the program continuing beyond the 2020-21 season is the fact that UAH needs to find a conference for 2021 and beyond. The issue being that as the status quo currently stands, that's very unlikely to happen. And at the same time, you have the Alaskas in the same situation, while new program LIU also needs a home. (And ASU too, for the sake of completeness). So, here's one radical possible lineup, assuming the NCAA could simply dictate conference alignments somehow. For these purposes, let's assume no new programs are added beyond those reported to actively be considering DI membership (Navy, St Thomas, Illinois):
East
Conference Teams
Atlantic Hockey UAH AIC BEN CAN HC MERCY NIA
ECAC BRO CLARK C'GATE COR DARTY HAR PRINY QU RPI SLU UNION YALE
Hockey East BU BC UCONN UMO UMASS UML UNH NU PC UVM
Northeast Conference ARMY LIU MC NAVY RMU RIT SHU
West
Foo Bar
Big Ten UI MICH MSU MINN PSU OSU UW
CCHA BEM FER LSSU MTU MNST NMU UST
NCHC BGSU MIAMI UMD UNO UND ND SCSU WMU
WCHA AFA UAF UAA ASU CC DU
Changes:
Now, the various leagues and the new members could probably live with these changes:
So, it coulllllld work. But is any of this realistic? I mean, maybe the NEC deciding they want to do hockey and taking the better AHA teams with them is a distinct possibility. But overall, not really.
And that's essentially the point here. Because there is no mechanism to force a team to join a particular conference (outside of a team's all sports conference suddenly sponsoring the sport; and even then, usually everyone involved is onboard with such an outcome since the conferences are the schools). And there's no real incentive for Merrimack to depart Hockey East voluntarily, or for Notre Dame to leave the Big Ten (at least, not at present), or especially for DU or CC to leave the NCHC for an objectively weaker league, even if it is geographically better. It's the same reason Western and Miami don't leave the NCHC, Miami's coach's complaints aside. And while BGSU isn't the worst possible add the NCHC could make, there's no pressing reason to add them over someone else either. And while Air Force and Army/Navy are not tied at the hip to the degree most people assume, Air Force also isn't going to separate from the other academies for a league that's not an improvement over the current Atlantic Hockey.
The issue boils down to this: a radical realignment like this isn't going to happen. Nor is it going to be the case that UAH will get into a conference given the current status quo. Essentially, that leaves two options:
1) The first is that the WCHA manages to add 3 additional members. Assuming none of these are St Thomas or Arizona State (and there's not really any reason to assume either would be interested in the current WCHA), that will require 3 additional programs to suddenly pop up. The main issue being that this still doesn't solve the issue imposed by having to travel to Alaska x2 on the budget. Even with travel subsidies (which may be at risk due to chronic funding issues in the Final Frontier), that's money that can go towards improving the program's foundation.
2) The second is that a bunch of Southern programs suddenly add hockey, enough to sustain a new Southern hockey conference. This seems to be even less likely to occur, at least in time to rescue UAH. For starters, this essentially requires 5 new programs instead of "only" 3. The obvious issue with both of these being that ADs are in the process of cutting sports due to funding issues introduced by the pandemic. With hockey being one of the most expensive sports out there, no one is going to add the sport without a massive donation specifically for hockey.
But then, that last part is true even under the best of circumstances. And while the Chargers have been the standard bearer for Southern college hockey for decades, no one else has made serious moves to add the sport. High Point included it as part of their long term planning recently, but who knows how the pandemic changes that. And that's still only one institution. And the whole "Georgia is building a 5500 seat rink for their hockey team" thing has been massively overblown; it is a 5500 seat multipurpose venue being built/renovated by the city of Athens. While it is capable of hosting the Ice Dawgs, it is not being primarily built with the hockey team in mind, nor has anyone to date stepped up to make the necessary investment to elevate UGA hockey to varsity. Their big money donors are for the most part focused on the football team's success. Such an arena makes it easier to make the jump later, but there's no indication that they're even giving it serious consideration yet. (Also consider that the SECHC is an ACHA Division 3 league, meaning that even the club team is essentially being treated with the minimum possible investment).
So in terms of Southern teams, that leaves Liberty, who almost certainly won't elevate without a conference already in place, and no current league will take them. (I doubt even the remaining WCHA schools are that desperate, since travel from Alaska to Virginia is even more expensive than the current state of affairs. And for that matter, Liberty probably sees the Alaskas as beneath them given their attitude towards just about everything else). And Lindenwood could charitably be classified as "Southern", but a) they're suffering from funding issues and b) there's apparently sufficient ambiguity in NCAA bylaws that may prevent them from playing up, as has nixed other attempts by DII institutions to field teams recently (Minnesota-Moorehead, Simon Fraser for instance were told that DII teams cannot play up without joining DI fully, even though the bylaws also clearly state that DII teams can compete as DI teams in sports without a DII championship).
So the simple fact of the matter is that while there is clearly community support for UAH hockey, we may very well be looking at their swan song this upcoming season barring an insane investment in college hockey teams in the wake of the financial issues caused by COVID-19 related shutdowns, because it seems highly unlikely that they will be able to resolve the conference situation by the imposed deadline. To say nothing of the 5 year funding plan.
submitted by jdchambo to collegehockey [link] [comments]

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