prepareforchange--2020-08-25--A Complete Guide to PPP Loan Forgiveness for the Self-Employed

Being a sole proprietor , self-employed , or an independent contractor can feel five times as hard sometimes .
Just look at the Paycheck Protection Program ( PPP ) and its promise of loan forgiveness for small businesses .
How does it even work if you ’ re on your own ?
Roger Kaufman , who runs a masonry company in New York , told us .
And we get it—there ’ s so much confusion around the process , rules , and even the words that describe it .
In fact , some of you didn ’ t apply @ @ @ @ @ @ @ ’ t sure it could be forgiven .
That ’ s what we ’ re here for .
We created a comprehensive , comprehensible guide all about PPP loan forgiveness for the self-employed , sole proprietors , and independent contractors .
This is everything we know based on information directly from the SBA and the 19th Interim Final Rule ( IFR ) filed on June 19th , 2020 .
• How to calculate your loan forgiveness • How to apply for PPP loan forgiveness : Step-by-step instructions on filling out the application form @ @ @ @ @ @ @ • A complete list of documents you need to apply • Tools and resources including the new SBA PPP forgiveness platform and forgiveness FAQs updated on 8/11/20 How Does PPP Loan Forgiveness Work for the Self-Employed ?
Willette Watts , a realtor in Tulsa , OK , asked in one of our discussions on the PPP .
And she wasn ’ t the only one—this question came up again and again .
According to the Paycheck Protection Program Flexibility Act , freelancers , self-employed individuals , solopreneurs , and independent contractors who took @ @ @ @ @ @ @ 2019 monthly income ) are ensured full forgiveness .
In short , if you took out a PPP Loan as a self-employed individual with no employees , you can absolutely have your loan forgiven—here ’ s how to know if you qualify .
You must have been harmed by the pandemic and meet three requirements : • You filed or will file a Form 1040 Schedule C for 2019 , showing self-employment income .
• You were in operation on February 15 , 2020 • The United States is your primary place of @ @ @ @ @ @ @ of the terms of the PPP loans changed with the Flexibility Act .
Here ’ s what you need to know .
• Received a loan after June 5th ?
The maturity date of the loan is now five years .
I.e.
, you have five years after the loan date to pay whatever parts can ’ t be forgiven back .
• Received a loan before June 5th ?
The original term was two years , but you might be able to extend it to five by working with your lender .
@ @ @ @ @ @ @ use the loan to qualify for forgiveness .
Before the Flexibility Act , it was eight .
• To ensure that your whole loan can be completely forgiven , you must spend 60 % of it on payroll .
The less you use for payroll , the less will be forgiven .
Related : What You Need to Know About the Flexibility Act You might be wondering , how can you use the loan on payroll if you don ’ t have any employees ?
Don ’ t forget yourself—you ’ re an @ @ @ @ @ @ @ Here ’ s what you can use your PPP loan for : • To pay your own compensation/salary ( based on the calculation outlined below ) .
• To cover non-payroll expenses ( incurred or paid ) through February 15 , 2020 .
This includes : How to Calculate PPP Loan Forgiveness if You ’ re Self-Employed Okay , so you ’ ve qualified for a PPP loan and forgiveness based on the outline we provided above .
Now , you need to figure out how much money you can receive .
Thankfully @ @ @ @ @ @ @ calculate your maximum loan and forgiveness amount , follow these four simple steps .
• Step 1 : Fill out your 2019 IRS Form 1040 Schedule C ( if you haven ’ t already ) .
• Step 2 : Take the amount from Line 31 ( Net Profit or Loss ) .
If it is more than $ 100,000 , use $ 100,000 .
• Step 3 : Divide the amount from Step 2 by 12 .
• Step 4 : Multiply the result of Step 3 by 2.5 .
Now you @ @ @ @ @ @ @ $ 20,833 .
If you need help figuring out your maximum loan forgiveness amount , there are plenty of tools available .
• Try this PPP loan forgiveness calculator from Intuit called AidAssist .
• Or reach out to your accountant or banker if you have more questions about this step .
Do You Qualify for the EZ Loan Forgiveness Application ?
Now , it ’ s time to get into the heart of PPP loan forgiveness : filling out the application form .
We ’ ve put together step-by-step instructions that you @ @ @ @ @ @ @ Thankfully , it ’ s not as hard as you think .
If you ’ re a sole proprietor and don ’ t have any employees , you don ’ t have to fill out the full-loan application .
Instead you get to use the EZ Application , which is only two pages long .
Not only does this save you pages of information , but it also means you have to complete fewer calculations and provide less documentation .
To find out if you qualify for the EZ Application , take a @ @ @ @ @ @ @ you answer “ yes ” to the first question or “ no ” to the second , you ’ re in luck .
• Are you self-employed , an independent contractor , or sole proprietor with no employees ?
• Did you reduce the salaries or wages of your employees by more than 25 % and reduce the number or hours of your employees ?
When responding to the second question , make sure one of the following applies : • You didn ’ t reduce the number of employees you had or @ @ @ @ @ @ @ , 2020 and the end of the Covered Period .
If you do have employees , any decreases in staff can affect your loan forgiveness .
The CARES Act considers “ full-time equivalent employees ” when determining how much to reduce your loan forgiveness by if your staff count went down .
To figure this out for each employee : • Calculate the average number of hours you pay an employee each week • Round the total to the nearest tenth The max number for each employee is 1.0 .
An even simpler @ @ @ @ @ @ @ for 40-hour per week employees and 0.5 for anyone who works less than that .
Here are two situations that you can ignore staff reductions or reduced hours : • If you couldn ’ t rehire individuals who were employed on February 15 , 2020 because you were unable to find similarly qualified employees for open positions on or before December 31 , 2020 .
• If you offered to restore your employees ’ full hours and they refused .
You couldn ’ t operate your business at the same level during the @ @ @ @ @ @ @ 2020 because you were complying with requirements or guidance from the CDC , Secretary of Health and Human Services , or Occupational Safety and Health Administration ( OSHA ) issued between March 1 , 2020 and December 31 , 2020 .
These requirements include sanitation , social distancing , or other work/customer safety issues relating to coronavirus How to Fill Out the PPP Loan Forgiveness Application Form Now , let ’ s get to it and break down the 3508EZ form into manageable chunks that you can fill out .
You can also @ @ @ @ @ @ @ .
The first step is to fill out your identifying information .
This is how the government will legally review your business and should match what is already on file .
Let ’ s go through each of these sections .
• Business Legal Name ( “ Borrower ” ) : This business name should match the name on your tax returns and your original loan form .
• DBA or Tradename , if applicable : Only provide a DBA ( doing business as ) if the business name that appears on your @ @ @ @ @ @ @ name .
• Business Address , Business TIN ( EIN , SSN ) , Business Phone , Primary Contact , and Email Address : All of this information should match your tax returns or original PPP application ( if you are reapplying ) .
Step 2 : Give the details of your PPP loan Next , you need to fill out your PPP loan information .
This is fairly self-explanatory , but just in case , we ’ ll go through it all .
• SBA PPP Loan Number : This is the @ @ @ @ @ @ @ time of loan approval .
If you don ’ t have this number , talk to your lender .
• Lender PPP Loan Number : Ask your lender for the number they assigned to the PPP loan .
• PPP Loan Amount : This should be the total loan amount you received from the Lender .
• PPP Loan Disbursement Date : This is the date you received your loan funds and will start your 24-week countdown .
• Employees at Time of Loan Application : When you first applied for your PPP @ @ @ @ @ @ @ have ?
• Employees at Time of Forgiveness Application : While filling out the EZ forgiveness application , how many employees do you have ?
• EIDL Advance Amount : If you received an advance or grant , you ’ ll need to record it here and understand that this amount will be deducted from your forgiveness amount .
• EIDL Application Number : If you applied for an EIDL loan , which is different from the grant , put that application number here .
The SBA Disaster Assistance hotline might be able @ @ @ @ @ @ @ know yours or check with your lender .
This is a fairly simple step .
Even if you are self-employed , an independent contractor , or a sole proprietor , you ’ ll need to provide this information .
Just refer to your owner , contractor , or freelance compensation .
• Payroll Schedule : During the period covered by the loan ( either eight or 24 weeks , depending on when you received it ) , check the box that best matches when you were paid .
• Covered Period : PPP @ @ @ @ @ @ @ , cover an eight-week forgiveness period .
Loans disbursed after June 5th , 2020 , have a 24-week covered period .
The first date should be the date of loan disbursement and then count eight or 24 weeks from there for the second date .
• Alternative Payroll Covered Period : If you run a weekly or biweekly payroll , you can start your covered period on the day of your first pay period .
This is the section of the application that worries most people .
How do you calculate your loan @ @ @ @ @ @ @ through the most difficult four steps when we talked about your maximum loan amount , above .
You ’ ll use that information here .
For individuals with no employees and who did not run payroll in 2020 , this section is actually fairly easy .
It will take a little math , but it ’ s straightforward .
We ’ ve even included some examples to show you what it could look like .
• Line 1 : This is the loan forgiveness amount you calculated above ( your salary divided by @ @ @ @ @ @ @ This value maxes out at $ 20,833.33 .
• Lines 2–4 : These lines reveal your applicable interest payments “ incurred or paid ” during the covered period ( eight or 24 weeks ) .
• Line 5 : The sum of lines 1 , 2 , 3 , and 4 .
• Line 7 : Divide line 1 by .60 and enter that number .
• Line 8 : Between lines 5 , 6 , and 7 , enter the smallest number here .
This is the actual PPP Forgiveness amount .
@ @ @ @ @ @ @ ?
Here are some examples .
Example 1 : Here are application numbers for a freelancer who received the max loan amount of $ 20,833 based on hitting the $ 100,000 threshold .
She has no employees , does not rent an office , and only pays for a separate work phone .
Example 2 : Here ’ s another example from a solopreneur who earned less .
He had a total payroll of $ 68,000 , but he also had lease payments of $ 3,600 and some utilities totaling $ 200 .
@ @ @ @ @ @ @ .
In this case , the loan the solopreneur received was slightly higher than what is eligible for loan forgiveness , so he will need to pay back $ 284 .
For more PPP loan forgiveness guidance , check out the SBA ’ s FAQ .
Or talk with an accountant suggests Mitchell Nelson a Senior Care Specialist .
You can also check in with your banker , recommends Herbert Gottlieb from Gottlieb and Associates .
Next , you just need to certify that you have filled out the one-page form correctly and @ @ @ @ @ @ @ initial next to each statement .
Make sure to be honest here .
If you ’ re not and make a false statement to get more of your loan forgiven , you could face consequences like fines and even imprisonment .
If you have any questions about this section , talk with your accountant or banker .
Now , initial next to at least one of these explanations to show that you ’ re eligible for forgiveness .
If both apply to your business , initial next to both items .
Documents to @ @ @ @ @ @ @ Form Wait !
You ’ re not done yet .
Before you can submit your completed 3508EZ form , there are a few documents you ’ ll need to include .
You need to verify your eligible payroll and any non-cash benefit payments during the covered period ( 8 or 24 weeks ) .
This includes : • Bank Account Statements : Reports showing the amount of compensation paid to employees or to yourself .
• Tax Forms : Tax filings that overlap the covered period .
• State quarterly business and individual @ @ @ @ @ @ @ filings .
• Employer Contributions to Group Employee Benefit Plans : Receipts for payments , cancelled checks , or bank account statements showing how much you paid toward health insurance , retirement , or other benefits .
If you have employees , you are also required to report the average number of full-time equivalent employees on payroll on January 1 , 2020 , and at the end of the covered period .
You will also need to provide documentation that verifies your eligible interest , lease , and utility payments during the covered @ @ @ @ @ @ @ : Copy of lender authorization and receipts or cancelled checks .
If you need help gathering any of your documentation , Karin B. Orlowski from Concierge Wealth Management Service suggests going to your bank .
PPP Loan Forgiveness Tools and Resources to Help If you need additional help obtaining forgiveness , don ’ t worry ; you ’ re not alone .
There are many resources and tools from the SBA and beyond .
Check them out : • For more answers to common forgiveness questions , go to the SBA ’ s @ @ @ @ @ @ @ The SBA launched their PPP forgiveness platform , which is accepting applications now .
• If you received money from the SBA , tracking it can help ensure forgiveness .
Here ’ s exactly how to do it , according to the Massachusetts Small Business Development Center ( MSBDC ) • For guidance on how to get through the pandemic as a small business owner , check out MSBDC ’ s pre-recorded covid webinars and Youtube channel • For information , tips , and opportunities for the self-employed , head over to the @ @ @ @ @ @ @ freelancers , take a look at the Coronavirus Resources from the Freelancers Union • Find an approved SBA PPP lender in your state We hope this helps you get maximum forgiveness for your PPP loan .
Let us know what questions you have , and we ’ ll do our best to answer them .
You can always ask a question on the platform for advice from our community members , too .
Remember , we ’ re all in this together , so let ’ s lean on each other and share @ @ @ @ @ @ @ After all , that ’ s what this community is here for .
Are you self-employed ?
Have you applied for PPP loan forgiveness ?
Tell us what your experience has been like to help others through the process .
For more on helping your business recover , check out the below articles : • How to Ramp Up Your Online Sales for Your Business • How to Set up a Social Media Strategy and Expand Word of Mouth • My Money Stays Local : How to Help Your Business & Community Recover @ @ @ @ @ @ @ document is for general information purposes only .
The Massachusetts District Office does not make any representations , warranties , or guaranties , express or implied , as to the accuracy or completeness of the information contained within .
Any opinions provided herein are not the official opinions of the SBA , are not binding on the SBA , and shall not be considered eligibility or forgiveness determinations for any of SBA ’ s loan programs .
Additionally , information changes frequently so this document may not reflect the most current information .
@ @ @ @ @ @ @ helpful when navigating PPP Forgiveness .
Special thanks to writer Kelly Vo and the SBA for their help in putting this guide together .
Disclaimer : We at Prepare for Change ( PFC ) bring you information that is not offered by the mainstream news , and therefore may seem controversial .
The opinions , views , statements , and/or information we present are not necessarily promoted , endorsed , espoused , or agreed to by Prepare for Change , its leadership Council , members , those who work with PFC , or @ @ @ @ @ @ @ , they are hopefully provocative .
Please use discernment !
Use logical thinking , your own intuition and your own connection with Source , Spirit and Natural Laws to help you determine what is true and what is not .
By sharing information and seeding dialogue , it is our goal to raise consciousness and awareness of higher truths to free us from enslavement of the matrix in this material realm .

By Chelsey Taylor,
Being a sole proprietor, self-employed, or an independent contractor can feel five times as hard sometimes. Just look at the Paycheck Protection Program (PPP) and its promise of loan forgiveness for small businesses. How does it even work if you’re on your own?
I’m still trying to figure out how to apply for forgiveness.
Roger Kaufman, who runs a masonry company in New York, told us. And we get it—there’s so much confusion around the process, rules, and even the words that describe it. In fact, some of you didn’t apply for a PPP loan because you weren’t sure it could be forgiven.
That’s what we’re here for.
We created a comprehensive, comprehensible guide all about PPP loan forgiveness for the self-employed, sole proprietors, and independent contractors. This is everything we know based on information directly from the SBA and the 19th Interim Final Rule (IFR) filed on June 19th, 2020.
Below, you’ll find:
PPP loan forgiveness requirements for solos
How to calculate your loan forgiveness
How to apply for PPP loan forgiveness: Step-by-step instructions on filling out the application form 3508EZ, examples, and video tutorial
Step-by-step instructions on filling out the application form 3508EZ, examples, and video tutorial A complete list of documents you need to apply
Tools and resources including the new SBA PPP forgiveness platform and forgiveness FAQs updated on 8/11/20
While the PPP’s forgiveness portal opened up this week, most financial advisors suggest waiting to submit applications until Congress decides what will happen next. This guide contains helpful information for filling out the application as of 8/14/20. We’ll update it to reflect changes in forgiveness as they occur.
How Does PPP Loan Forgiveness Work for the Self-Employed?
Is this loan really forgivable?
Willette Watts, a realtor in Tulsa, OK, asked in one of our discussions on the PPP. And she wasn’t the only one—this question came up again and again.
So let’s clear the air.
According to the Paycheck Protection Program Flexibility Act, freelancers, self-employed individuals, solopreneurs, and independent contractors who took their maximum loan amount (2.5x their 2019 monthly income) are ensured full forgiveness.
In short, if you took out a PPP Loan as a self-employed individual with no employees, you can absolutely have your loan forgiven—here’s how to know if you qualify.
You must have been harmed by the pandemic and meet three requirements:
You filed or will file a Form 1040 Schedule C for 2019, showing self-employment income. You were in operation on February 15, 2020 The United States is your primary place of residence.
As a reminder, some of the terms of the PPP loans changed with the Flexibility Act. Here’s what you need to know.
Received a loan after June 5th? The maturity date of the loan is now five years. I.e., you have five years after the loan date to pay whatever parts can’t be forgiven back.
The maturity date of the loan is now five years. I.e., you have five years after the loan date to pay whatever parts can’t be forgiven back. Received a loan before June 5th? The original term was two years, but you might be able to extend it to five by working with your lender.
The original term was two years, but you might be able to extend it to five by working with your lender. You now have 24 weeks to use the loan to qualify for forgiveness. Before the Flexibility Act, it was eight.
to qualify for forgiveness. Before the Flexibility Act, it was eight. To ensure that your whole loan can be completely forgiven, you must spend 60% of it on payroll. The less you use for payroll, the less will be forgiven.
Related: What You Need to Know About the Flexibility Act
You might be wondering, how can you use the loan on payroll if you don’t have any employees? Don’t forget yourself—you’re an employee of your business after all.
Here’s what you can use your PPP loan for:
To pay your own compensation/salary (based on the calculation outlined below).
(based on the calculation outlined below). To cover non-payroll expenses (incurred or paid) through February 15, 2020. This includes: mortgage + interest payments rent (business rent or lease payments) utilities (electricity, gas, water, and transportation), debt interest payments
(incurred or paid) through February 15, 2020. This includes:
There are some changes depending on when you received your loan, so you’ll need to do some research to find out what you qualify for. Wherever possible, please source the SBA directly.
How to Calculate PPP Loan Forgiveness if You’re Self-Employed
Okay, so you’ve qualified for a PPP loan and forgiveness based on the outline we provided above. Now, you need to figure out how much money you can receive. Thankfully, it’s simple.
To calculate your maximum loan and forgiveness amount, follow these four simple steps.
Step 1: Fill out your 2019 IRS Form 1040 Schedule C (if you haven’t already).
Fill out your 2019 IRS Form 1040 Schedule C (if you haven’t already). Step 2: Take the amount from Line 31 (Net Profit or Loss). If it is more than $100,000, use $100,000.
Take the amount from Line 31 (Net Profit or Loss). If it is more than $100,000, use $100,000. Step 3: Divide the amount from Step 2 by 12.
Divide the amount from Step 2 by 12. Step 4: Multiply the result of Step 3 by 2.5.
Now you have your maximum PPP forgiveness amount—up to $20,833.
Under the PPP Flexibility Act, you can also calculate your maximum loan based on eight weeks of compensation up to $15,385. All you have to do is divide your 2019 net profit by 52 and then multiply by eight.
If you need help figuring out your maximum loan forgiveness amount, there are plenty of tools available.
Try this PPP loan forgiveness calculator from Intuit called AidAssist.
Or reach out to your accountant or banker if you have more questions about this step.
Do You Qualify for the EZ Loan Forgiveness Application?
Now, it’s time to get into the heart of PPP loan forgiveness: filling out the application form. We’ve put together step-by-step instructions that you can follow to avoid common mistakes.
Thankfully, it’s not as hard as you think. If you’re a sole proprietor and don’t have any employees, you don’t have to fill out the full-loan application. Instead you get to use the EZ Application, which is only two pages long.
Not only does this save you pages of information, but it also means you have to complete fewer calculations and provide less documentation.
To find out if you qualify for the EZ Application, take a look at the below questions. If you answer “yes” to the first question or “no” to the second, you’re in luck.
Are you self-employed, an independent contractor, or sole proprietor with no employees?
Did you reduce the salaries or wages of your employees by more than 25% and reduce the number or hours of your employees?
When responding to the second question, make sure one of the following applies:
You didn’t reduce the number of employees you had or their average paid hours between January 1, 2020 and the end of the Covered Period.
If you do have employees, any decreases in staff can affect your loan forgiveness. The CARES Act considers “full-time equivalent employees” when determining how much to reduce your loan forgiveness by if your staff count went down. To figure this out for each employee:
Calculate the average number of hours you pay an employee each week
Divide that by 40
Round the total to the nearest tenth
The max number for each employee is 1.0. An even simpler way to do this? Assign 1.0 for 40-hour per week employees and 0.5 for anyone who works less than that.
Here are two situations that you can ignore staff reductions or reduced hours:
If you couldn’t rehire individuals who were employed on February 15, 2020 because you were unable to find similarly qualified employees for open positions on or before December 31, 2020.
If you offered to restore your employees’ full hours and they refused.
OR
You couldn’t operate your business at the same level during the Covered Period as before February 15, 2020 because you were complying with requirements or guidance from the CDC, Secretary of Health and Human Services, or Occupational Safety and Health Administration (OSHA) issued between March 1, 2020 and December 31, 2020.
These requirements include sanitation, social distancing, or other work/customer safety issues relating to coronavirus
How to Fill Out the PPP Loan Forgiveness Application Form
Now, let’s get to it and break down the 3508EZ form into manageable chunks that you can fill out.
You can also find directions directly from the SBA here.
Step 1: Fill out your business information
The first step is to fill out your identifying information. This is how the government will legally review your business and should match what is already on file.
Let’s go through each of these sections.
Business Legal Name (“Borrower”) : This business name should match the name on your tax returns and your original loan form.
: This business name should match the name on your tax returns and your original loan form. DBA or Tradename , if applicable: Only provide a DBA (doing business as) if the business name that appears on your supporting documents is different from your legal name.
, if applicable: Only provide a DBA (doing business as) if the business name that appears on your supporting documents is different from your legal name. Business Address, Business TIN (EIN, SSN), Business Phone, Primary Contact, and Email Address: All of this information should match your tax returns or original PPP application (if you are reapplying).
Step 2: Give the details of your PPP loan
Next, you need to fill out your PPP loan information. This is fairly self-explanatory, but just in case, we’ll go through it all.
SBA PPP Loan Number : This is the SBA-assigned number provided to you at the time of loan approval. If you don’t have this number, talk to your lender.
This is the SBA-assigned number provided to you at the time of loan approval. If you don’t have this number, talk to your lender. Lender PPP Loan Number : Ask your lender for the number they assigned to the PPP loan.
Ask your lender for the number they assigned to the PPP loan. PPP Loan Amount : This should be the total loan amount you received from the Lender.
This should be the total loan amount you received from the Lender. PPP Loan Disbursement Date: This is the date you received your loan funds and will start your 24-week countdown.
This is the date you received your loan funds and will start your 24-week countdown. Employees at Time of Loan Application: When you first applied for your PPP loan, how many employees did you have?
When you first applied for your PPP loan, how many employees did you have? Employees at Time of Forgiveness Application: While filling out the EZ forgiveness application, how many employees do you have?
While filling out the EZ forgiveness application, how many employees do you have? EIDL Advance Amount: If you received an advance or grant, you’ll need to record it here and understand that this amount will be deducted from your forgiveness amount.
If you received an advance or grant, you’ll need to record it here and understand that this amount will be deducted from your forgiveness amount. EIDL Application Number: If you applied for an EIDL loan, which is different from the grant, put that application number here. The SBA Disaster Assistance hotline might be able to help if you don’t know yours or check with your lender.
Step 3: Provide your payroll information
This is a fairly simple step. Even if you are self-employed, an independent contractor, or a sole proprietor, you’ll need to provide this information. Just refer to your owner, contractor, or freelance compensation.
Payroll Schedule : During the period covered by the loan (either eight or 24 weeks, depending on when you received it), check the box that best matches when you were paid.
: During the period covered by the loan (either eight or 24 weeks, depending on when you received it), check the box that best matches when you were paid. Covered Period : PPP Loans prior to June 5th, 2020, cover an eight-week forgiveness period. Loans disbursed after June 5th, 2020, have a 24-week covered period. The first date should be the date of loan disbursement and then count eight or 24 weeks from there for the second date.
: PPP Loans prior to June 5th, 2020, cover an eight-week forgiveness period. Loans disbursed after June 5th, 2020, have a 24-week covered period. The first date should be the date of loan disbursement and then count eight or 24 weeks from there for the second date. Alternative Payroll Covered Period: If you run a weekly or biweekly payroll, you can start your covered period on the day of your first pay period.
Step 4: Calculate your forgiveness amount
This is the section of the application that worries most people. How do you calculate your loan forgiveness amount? We already walked you through the most difficult four steps when we talked about your maximum loan amount, above. You’ll use that information here.
For individuals with no employees and who did not run payroll in 2020, this section is actually fairly easy. It will take a little math, but it’s straightforward. We’ve even included some examples to show you what it could look like.
Line 1 : This is the loan forgiveness amount you calculated above (your salary divided by 12 and multiplied by 2.5). This value maxes out at $20,833.33.
: This is the loan forgiveness amount you calculated above (your salary divided by 12 and multiplied by 2.5). This value maxes out at $20,833.33. Lines 2–4: These lines reveal your applicable interest payments “incurred or paid” during the covered period (eight or 24 weeks).
These lines reveal your applicable interest payments “incurred or paid” during the covered period (eight or 24 weeks). Line 5: The sum of lines 1, 2, 3, and 4.
The sum of lines 1, 2, 3, and 4. Line 6: The total actual PPP loan amount you received.
The total actual PPP loan amount you received. Line 7: Divide line 1 by .60 and enter that number.
Divide line 1 by .60 and enter that number. Line 8: Between lines 5, 6, and 7, enter the smallest number here. This is the actual PPP Forgiveness amount.
Want to see this in real life? Here are some examples.
Example 1: Here are application numbers for a freelancer who received the max loan amount of $20,833 based on hitting the $100,000 threshold. She has no employees, does not rent an office, and only pays for a separate work phone.
Line 1 (Payroll Costs): $20,833.33
Line 2 (Mortgage Interest): $0
Line 3 (Rent/Lease Payments): $0
Line 4 (Utility Payments): $150
Line 5 (Add Lines 1 – 4): $20,983
Line 6 (Loan Amount): $20,833
Line 7 (60% Payroll Cost Requirement): $34,721
Line 8 (Forgiveness Amount): $20,833
Example 2: Here’s another example from a solopreneur who earned less. He had a total payroll of $68,000, but he also had lease payments of $3,600 and some utilities totaling $200. He got a loan for $18,250.
Line 1 (Payroll Costs): $14,166.66
Line 2 (Mortgage Interest): $0
Line 3 (Rent/Lease Payments): $3,600
Line 4 (Utility Payments): $200
Line 5 (Add Lines 1 – 4): $17,966.66
Line 6 (Loan Amount): $18,250
Line 7 (60% Payroll Cost Requirement): $23,610
Line 8 (Forgiveness Amount): $17,966.66
In this case, the loan the solopreneur received was slightly higher than what is eligible for loan forgiveness, so he will need to pay back $284.
For more PPP loan forgiveness guidance, check out the SBA’s FAQ. Or talk with an accountant suggests Mitchell Nelson a Senior Care Specialist.
There are many unanswered questions about the PPP and the best person to ask this question is your CPA.
You can also check in with your banker, recommends Herbert Gottlieb from Gottlieb and Associates.
If you have a good relationship with your bank and a banker, they will be happy to assist.
Step 5: Certify your loan forgiveness application
Next, you just need to certify that you have filled out the one-page form correctly and truthfully. Read through each section and initial next to each statement.
Make sure to be honest here. If you’re not and make a false statement to get more of your loan forgiven, you could face consequences like fines and even imprisonment. If you have any questions about this section, talk with your accountant or banker.
Step 6: Demonstrate your forgiveness eligibility
Now, initial next to at least one of these explanations to show that you’re eligible for forgiveness. If both apply to your business, initial next to both items.
Step 7: Don’t forget to sign!
Finally, sign and date your application.
Prefer a video walkthrough? Watch the below video for step-by-step instructions to fill out the EZ forgiveness application if you’re self-employed and have no employees.
Documents to Include with Your PPP Loan Forgiveness Application Form
Wait! You’re not done yet.
Before you can submit your completed 3508EZ form, there are a few documents you’ll need to include.
Payroll documentation
You need to verify your eligible payroll and any non-cash benefit payments during the covered period (8 or 24 weeks). This includes:
Bank Account Statements: Reports showing the amount of compensation paid to employees or to yourself.
Reports showing the amount of compensation paid to employees or to yourself. Tax Forms: Tax filings that overlap the covered period. Payroll tax filings reported to the IRS (Form 941). State quarterly business and individual employee wage reporting and unemployment insurance tax filings.
Tax filings that overlap the covered period. Employer Contributions to Group Employee Benefit Plans: Receipts for payments, cancelled checks, or bank account statements showing how much you paid toward health insurance, retirement, or other benefits.
If you have employees, you are also required to report the average number of full-time equivalent employees on payroll on January 1, 2020, and at the end of the covered period.
Non-Payroll Documentation
You will also need to provide documentation that verifies your eligible interest, lease, and utility payments during the covered period.
Business Mortgage Interest Payments: Copy of lender authorization and receipts or cancelled checks.
Copy of lender authorization and receipts or cancelled checks. Business Rent of Lease Payments : Current lease agreements and receipts verifying payments.
: Current lease agreements and receipts verifying payments. Business Utility Payments: Copy of invoices and receipts verifying payments.
If you need help gathering any of your documentation, Karin B. Orlowski from Concierge Wealth Management Service suggests going to your bank.
Your bank has a list of documentation needed to complete the application and will certify and forward the paperwork to the SBA.
PPP Loan Forgiveness Tools and Resources to Help
If you need additional help obtaining forgiveness, don’t worry; you’re not alone. There are many resources and tools from the SBA and beyond. Check them out:
We hope this helps you get maximum forgiveness for your PPP loan. Let us know what questions you have, and we’ll do our best to answer them. You can always ask a question on the platform for advice from our community members, too.
Remember, we’re all in this together, so let’s lean on each other and share tips to make this process easier. After all, that’s what this community is here for.
Are you self-employed? Have you applied for PPP loan forgiveness? Tell us what your experience has been like to help others through the process.
For more on helping your business recover, check out the below articles:
Disclaimer: The information contained in this document is for general information purposes only. The Massachusetts District Office does not make any representations, warranties, or guaranties, express or implied, as to the accuracy or completeness of the information contained within. Any opinions provided herein are not the official opinions of the SBA, are not binding on the SBA, and shall not be considered eligibility or forgiveness determinations for any of SBA’s loan programs. Additionally, information changes frequently so this document may not reflect the most current information. The information is strictly intended to be helpful when navigating PPP Forgiveness.
Special thanks to writer Kelly Vo and the SBA for their help in putting this guide together.
Your Tax Free Donations Are Appreciated and Help Fund our Volunteer Website and Orphanage


prepareforchange--2020-08-25--FBI Tweets Link to ‘Protocols of Learned Elders of Zion’ and jewish Outrage Ensues

Many critics of jewish power do not actually believe that the Protocols are minutes from a meeting of jewish leaders , but something of an expose of their plans .
Regardless of who wrote the document , almost everything that was written has come to pass , and the jewish conspiracy is undeniable .
The jewish supremacists do not want “ goyim ” to read the Protocols because most people with any cognitive faculties would quickly realize that there is indeed a serious jewish problem that needs to be addressed , otherwise the rest of us will end up as @ @ @ @ @ @ @ of Israel was quick to report on the FBI ’ s tweet : jewish organizations and individuals were also quick to condemn this blatant anti-semitism ( and White nationalism ) !
Some people are wondering whether or not this release was really just the result of an automated process or if something else is at play here .
Just a few weeks ago the FBI released their files on famous revisionist Ernst Zundel .
So what is actually going on .
One jewish supremacist has a theory .
Of course Q did not @ @ @ @ @ @ @ I would not be surprised if the FBI is part of the Q PsyOp .
The release of the Protocols happened on the same day Trump essentially embraced the QAnon movement .
We are living in interesting times to say the least .
I do not know what is going on behind the scenes and why the Protocols were tweeted out by the FBI , but hopefully this gets more people to read up on the jewish conspiracy to enslave the world .
Kyle is the publisher of the Renegade Tribune and the @ @ @ @ @ @ @ We at Prepare for Change ( PFC ) bring you information that is not offered by the mainstream news , and therefore may seem controversial .
The opinions , views , statements , and/or information we present are not necessarily promoted , endorsed , espoused , or agreed to by Prepare for Change , its leadership Council , members , those who work with PFC , or those who read its content .
However , they are hopefully provocative .
Please use discernment !
Use logical thinking , your own intuition and your @ @ @ @ @ @ @ Natural Laws to help you determine what is true and what is not .
By sharing information and seeding dialogue , it is our goal to raise consciousness and awareness of higher truths to free us from enslavement of the matrix in this material realm .

Many critics of jewish power do not actually believe that the Protocols are minutes from a meeting of jewish leaders, but something of an expose of their plans. Regardless of who wrote the document, almost everything that was written has come to pass, and the jewish conspiracy is undeniable. The jewish supremacists do not want “goyim” to read the Protocols because most people with any cognitive faculties would quickly realize that there is indeed a serious jewish problem that needs to be addressed, otherwise the rest of us will end up as their slaves in perpetuity.
The Times of Israel was quick to report on the FBI’s tweet:
The agency did not provide context for files from its archives on the anti-Semitic text, leading to accusations it could encourage bigotry against Jews
jewish organizations and individuals were also quick to condemn this blatant anti-semitism (and White nationalism)!
The @FBI is tweeting out the most famous, fabricated antisemitic text with absolutely zero context. This is the same anti-Jewish lie that inspired Hitler and the Nazi regime. Now it’s coming directly from a white nationalist administration. WHAT. IS. THIS. https://t.co/JZTShmLTqY — Bend the Arc: Jewish Action (@jewishaction) August 19, 2020
https://twitter.com/NoahHurowitz/status/1296155177943216130?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1296155177943216130%7Ctwgr%5E&ref_url=http%3A%2F%2Fwww.renegadetribune.com%2Ffbi-tweets-link-to-protocols-of-learned-elders-of-zion-and-jewish-outrage-ensues%2F
An agency of the United States federal government just posted a copy of one of the most infamous pieces of antisemitic literature of all time, responsible for the persecution and murder of thousands, even millions. On behalf of all Americsn Jews, what the fuck are you doing @FBI? https://t.co/o3cAfiPdyL — Noah Arbit (@NoahArbit) August 19, 2020
Absolutely insane. FBI share the Protocols without any advisory. It looks like they are promoting it. Normally they get a few retweets. This has gone viral. Totally irresponsible. https://t.co/Da1HAXY2tk — David Collier (@mishtal) August 19, 2020
The FBI often receives information from members of the public, which is captured in our permanent files and released under FOIA law. The FBI must process historical files that were collected in the past, some of which may be considered offensive — FBI Records Vault (@FBIRecordsVault) August 19, 2020
Some people are wondering whether or not this release was really just the result of an automated process or if something else is at play here.
Just a few weeks ago the FBI released their files on famous revisionist Ernst Zundel.
So what is actually going on. One jewish supremacist has a theory.
Did Q hack the @FBI Twitter account? — David Rothschild (@DavMicRot) August 19, 2020
Of course Q did not hack the FBI Twitter account, but I would not be surprised if the FBI is part of the Q PsyOp. The release of the Protocols happened on the same day Trump essentially embraced the QAnon movement.
Trump is asked to shed light on his thoughts about about the lunatic QAnon conspiracy theory. Instead of denouncing it, he says, "I understand they like me very much, which I appreciate." "I've heard these are people who love our country," he adds, coming close to an endorsement pic.twitter.com/gcvHvuqzIa — Aaron Rupar (@atrupar) August 19, 2020
We are living in interesting times to say the least. I do not know what is going on behind the scenes and why the Protocols were tweeted out by the FBI, but hopefully this gets more people to read up on the jewish conspiracy to enslave the world.
By Kyle,
Kyle is the publisher of the Renegade Tribune and the founder of Renegade Broadcasting,
Your Tax Free Donations Are Appreciated and Help Fund our Volunteer Website and Orphanage


prepareforchange--2020-08-28--The Pressing Dangers of Technocracy

The Pressing Dangers of Technocracy

It ’ s also crucial to understand that the only reason they ’ ve not yet been able to overtake the U.S. is because of our Constitution .
We ’ re the biggest barrier worldwide to implementing technocracy , which is why there ’ s been so much focus on dismantling the freedoms of Americans .
To give you just one rather hilarious real-world example of the technocratic “ science says ” strategy , here ’ s a sentence from a recent article in The Sun:3 “ People who refuse to wear a face mask to reduce the risk of @ @ @ @ @ @ @ research has found.
” Not only is it laughable because it ’ s illogical , it ’ s also completely irrelevant , since there ’ s not a single well-designed study showing that mask wearing lowers the spread of viral infections .
For the scoop on this , see my interview with Denis Rancourt .
Initially , science is used to issue suggestions , but those suggestions rapidly turn into mandates .
We ’ ve repeatedly seen that with vaccines , for example .
But the COVID-19 pandemic has also revealed there ’ @ @ @ @ @ @ @ implantable digital identifications , medical records and vaccine passports , digital currency and banking — all of which will ultimately be tied together so that algorithms and automation will be able to keep everyone in line , everywhere , all the time .
Data Is the New Oil In her book , “ The Age of Surveillance Capitalism , ” professor Shoshana Zuboff exposes the stunning capacities currently available to surveil , analyze and manipulate our behavior .
It ’ s crucial to realize that as bad as it is today , the @ @ @ @ @ @ @ an exponential rate , which means their ability to manipulate behavior is increasing at a pace we can not fully comprehend .
For instance , years ago , if you searched for a holistic medicine topic , many of my articles would appear at the top of your search .
In June 2019 , Google quietly started to eliminate Mercola.com from search results .
I discussed this in “ Google Buries Mercola in Their Latest Search Engine Update , Part 1 and Part 2.
” Sustainable Development Isn ’ t What You Think @ @ @ @ @ @ @ ” goals , which sound like a good thing , really aren ’ t .
The United Nations has declared that sustainable development is going to be the new economic system of the future .
It ’ s a resource-based economic system based on energy .
Importantly , what the technocrats are doing is making an end run around national sovereignty .
Rather than a frontal assault on the system , which has never been successful , they ’ ve simply eroded national sovereignty piece by piece .
Wood also reviews what we @ @ @ @ @ @ @ thwart the steady march of technocracy : One of the most important elected local officials that you should concern yourself with is your sheriff .
They are responsible for enforcing tyrannical edicts from local , state and federal government , and if they choose not to , government has no power .
City councils also have a lot of power .
They can pass binding resolutions to protect citizens against the technocratic agenda .
What is Agenda 21 ?
It is the keystone document for Sustainable Development .
It was developed in 1992 @ @ @ @ @ @ @ the United Nations ’ first Earth summit .
This became the agenda for the 21st century .
The doctrine that came to be known as Agenda 21 came from a book written by Trilateral Commission member Gro Harlem Brundtland , called “ Our Common Future.
” We cover a lot of information in this interview , so be sure to listen to it in its entirety , or read through the transcript for more .
Also consider picking up one or both of his books , “ Technocracy Rising : The Trojan Horse @ @ @ @ @ @ @ : The Hard Road to World Order.
” Wood ’ s nonprofit organization , Citizens for Free Speech , is another excellent resource where you can learn more about your constitutional rights and how to communicate your ideas to others .
For a small donation , Citizens for Free Speech also offers a laminated No Mask Card that you can wear on a lanyard , explaining your First Amendment Right to disobey local mask mandates .

Technocratic Infrastructure
It’s also crucial to understand that the only reason they’ve not yet been able to overtake the U.S. is because of our Constitution. We’re the biggest barrier worldwide to implementing technocracy, which is why there’s been so much focus on dismantling the freedoms of Americans.
“The strategy has been to build infrastructure for their system. Infrastructure is the schematic diagram that makes things work. For instance, we have roads in our country. We have railroads. We have physical roads. We have freeways. We have telecommunications systems. We have telephone lines. We have airports and things that connect everything together.
The concept of infrastructure is basic to any economic system. You have to have some type of infrastructure, so that the whole system will work. And so, today when the government passes a $2 trillion infrastructure bill, you and I will think, ‘Oh, finally, we’re going to get those potholes fixed on our street or something.’
In the technocrat mind, in the larger scheme, setting up the infrastructure involves so many more things today than it ever did.
For instance, the infrastructure of technocracy now has to do with anything called smart: smart growth, smart cities, smart phones, smart devices, the internet of things that ties everything together, all of the sensors and the cameras. This is the new infrastructure of the digital era. It’s all technology based, I might add.
So, infrastructure started way back when the Trilateral Commission was first started. A case in point: One of the early founding members of the commission was [the late] Caspar Weinberger, who happened to be the president of Bechtel Engineering. That’s the largest private engineering company in the world. They’re huge. They’re are private. Nobody knows much about them. But they were part of the Trilateral Commission group …
They’ve always realized that without building this infrastructure, they have nothing. They can get nowhere. They must have it in order to move on down the road. We’ve seen this emphasis on infrastructure ever since 1973 in ways that people hardly can understand anymore, because it’s so technological.
But the infrastructure being laid today includes such things as the internet of things, where sensors and everything connect together to feed data back to, who knows, some mainframe somewhere.
All of the financial transactions, all of the data transactions [get sent] back to some computer somewhere where artificial intelligence is sitting on top of it all to make sense of all the data coming in.
The same artificial intelligence programs now are taking that data, working it, getting some sense of meaning out of it, then turning around and issuing things that we should do in response. In other words, how it should change us.
This is the science of social engineering. It’s engineering by algorithm. They saw this even back in the 1930s, even though there was no such thing as artificial intelligence back then.
They realized that science eventually would be to the point where their algorithms could be automated to the point where they would be able to replace the political structure, to keep everything in line, to keep everything working.
Rule by algorithm. Operation by algorithm. This is the big predominant thing we see today. When something doesn’t fit into the algorithm, you’ll hear the term ‘Science says.’ We should do that thing.”
To give you just one rather hilarious real-world example of the technocratic “science says” strategy, here’s a sentence from a recent article in The Sun:3 “People who refuse to wear a face mask to reduce the risk of coronavirus have lower cognitive ability, new research has found.”
Not only is it laughable because it’s illogical, it’s also completely irrelevant, since there’s not a single well-designed study showing that mask wearing lowers the spread of viral infections. For the scoop on this, see my interview with Denis Rancourt.
Rule by Algorithm
Initially, science is used to issue suggestions, but those suggestions rapidly turn into mandates. We’ve repeatedly seen that with vaccines, for example. But the COVID-19 pandemic has also revealed there’s a much larger plan that includes implantable digital identifications, medical records and vaccine passports, digital currency and banking — all of which will ultimately be tied together so that algorithms and automation will be able to keep everyone in line, everywhere, all the time.
“People who buck the system won’t be able to participate in all the things in society that other people do who got the vaccines and just took the program without questioning. The algorithm will control everybody, will manipulate everybody.
So, it goes from, ‘Science says’ to the algorithm, and then it becomes automated. Then they don’t have to say ‘Science says’ anymore. They just push the button. The algorithm takes care of it and you get the shot and that’s the end of it.
This business of infrastructure is very sophisticated. Today it’s called supply chain, by the way. That’s a big term you’ll hear, too. The supply chain, moving goods and services to get just in the right place, just in time.
No warehouse is necessary. Just kind of ship it and it’s there exactly the day you need it. This has all been automated as well. It’s part of the infrastructure they need to implement technocracy one day.”
Data Is the New Oil
In her book, “The Age of Surveillance Capitalism,” professor Shoshana Zuboff exposes the stunning capacities currently available to surveil, analyze and manipulate our behavior. It’s crucial to realize that as bad as it is today, the predictive power of technology is advancing at an exponential rate, which means their ability to manipulate behavior is increasing at a pace we cannot fully comprehend.
“Data is the new oil of the 21st century,” Wood says. “We said that for years now, and it’s really true. Whoever owns the data, controls the system. Data is more valuable to technocracy than any other commodity that you could conceivably imagine. And Google has been collecting this data for a long time.
They’ve been analyzing it for a long time, and they have a number of techniques now where they can use that data, weaponize it in a sense, turn it back on us and cause it to modify our behavior. And this is right in line with the scientific social engineering concept.
Several years ago, Eric Schmidt [former long-time Google CEO and, later, chairman of Alphabet,] was invited to be a member of the Trilateral commission. He’s also hobnobbing with our government to create systems for surveillance and data collection. Google now has been in a position to weaponize that data … Google does this in several ways.
Not only do they condition the feed that you see when you search for a certain term, but also … when you start to type in a search, it will give you the answers [and] you pick one. It won’t give you the ones that you might really be looking for, but it’ll give you what they think you should pick. This has a huge, psychological impact on people. Just huge.”
What’s the Ultimate Goal?
For instance, years ago, if you searched for a holistic medicine topic, many of my articles would appear at the top of your search. In June 2019, Google quietly started to eliminate Mercola.com from search results. I discussed this in “Google Buries Mercola in Their Latest Search Engine Update, Part 1 and Part 2.”
“You haven’t done anything different. You’re still doing exactly what you did, but Google is treating you as a non-person now,” Wood says. “It reminds you a little bit of ‘1984,’ where Winston worked in the ministry of information and his business half the time was scratching out people from history. They just ceased to exist.
Every record, even their birth record was erased and nobody would ever hear that person’s name again. If they went to look, they couldn’t find him. And then people started thinking ‘Maybe it was just my imagination. I never really knew somebody like that.’
Google has this power to present information that it wants you to hear or see, and they can manipulate minds and mindsets. It’s just amazing. They even said, internally, that they believe they have the power to take the 2020 election away from Trump because of this very feature. Well, wait a minute.
If any person or organization sets themselves up intentionally to overthrow the government of the United States, I think there’s a term for that. It’s called sedition. It might give way to insurrection as well, but that doesn’t bother these people. There’s no ethical guide whatsoever that tells them this is wrong and don’t do it. They feel this is perfectly normal. They’ve got the data, they make the rules.
So, they’re influencing people, they’re nudging people in one direction or another direction. And it’s extremely dangerous because those who are susceptible to that kind of manipulation, once they are in that manipulation channel, they can get them to do anything.
Once it gets a hold of a person and really starts messing with their mind, then they can feed all kinds of stuff into it and get them to do all kinds of things they would not have otherwise done.
And that’s true for Facebook and Twitter and other entities like that as well. But you can’t look at Google, Facebook and Twitter and say these are communists. You can’t do that. They’re technocrats. They march to a different tune completely and they could care less about the political ideology behind it.
I don’t care who you are, what your political persuasion is, but if you start writing against vaccines, for instance … you’ll find yourself censored just right along with everybody else and your stories will disappear. There’ll be shadow banned. There’ll be pushed down the stack where they don’t appear in the searches anymore.
It doesn’t really have to do with a class of people that they’re censoring, it has to do with the topics that are being censored. That’s the key thing here to understand. One of the key topics today that they are so in love with is this idea of global manipulation of the human [gene] pool, to get the medical hooks into your body.
This is social engineering at its extreme, where they’re not only engineering the society around you, the environment around you, they also want to engineer you personally. This is their mindset right now. We’ve seen evidence of this all over the place. I don’t want to go into it and confuse this conversation, but this is where it’s going.”
Sustainable Development Isn’t What You Think
Wood also explains why “sustainable development” goals, which sound like a good thing, really aren’t. The United Nations has declared that sustainable development is going to be the new economic system of the future. It’s a resource-based economic system based on energy.
“A couple of years ago, the head of climate change at the UN, Christiana Figueres, gave a press conference in Europe and she said, ‘This is the first time in the history of mankind that we’re setting ourselves the task of intentionally, within a defined period of time, to change the economic development model that has been reigning for at least 150 years since the Industrial Revolution.’
That’s a direct quote from her lips. I dedicated a chapter in my book to demonstrate that sustainable development is technocracy from the 1930s. It has all the same markers. It has all the same elements in it. It was brought to the United Nation by members of The Trilateral Commission, by the way …
Their vision for the future of society is this sustainable future where they will control all the resources and all the consumption. In other words, they will tell businesses what they’re allowed to build and they will tell consumers what they’re allowed to consume. Period, end of subject. You don’t need to be involved in this. They figure this all out for you in advance.
This is the science of social engineering here. They have the science, you just have to follow and do what they tell you to do. It’s very insidious. Of course, they have nice platitudes like we’re going to eliminate poverty, we’re going to have education for all, we’re going to have jobs with dignity.
That’s all wonderful stuff, but when you get down to the bottom of their so-called sustainable development [and green deal] goals, you see [that] all you have to do to get those things is let us have all the control over the resources and the management of those resources on a global basis.”
Taking Back Local Government Is Key
Importantly, what the technocrats are doing is making an end run around national sovereignty. Rather than a frontal assault on the system, which has never been successful, they’ve simply eroded national sovereignty piece by piece. Wood also reviews what we can do to save our republic and thwart the steady march of technocracy:
“I believe very strongly that local activism is the only way to rebuild our country, if there is going to be any rebuilding at all. Local activism — because this is how they got us. They built [the technocratic system] from the bottom up. We cannot tear their house down from the top down. It’s simply is just not going to happen. They’re too powerful,” Wood says.
“There is no national government or any element of national government that’s going to save us from these technocrats and technocracy. There’s no state government, either, or local government, the way it stands now, unless that local government gets influenced and populated by people who know better and who are willing to tell these others:
‘Go away, you don’t belong here. This is not the way we’re going to run our community, our town, our city,’ whatever it is, and we have access to those people.”
One of the most important elected local officials that you should concern yourself with is your sheriff. They are responsible for enforcing tyrannical edicts from local, state and federal government, and if they choose not to, government has no power. City councils also have a lot of power. They can pass binding resolutions to protect citizens against the technocratic agenda.
“There was a city in California, I can’t remember the name right now, but somebody got to the city council and educated every one of them. The city council held a referendum and passed a binding resolution that says there will be no agency of the city or any other activity of the city that will support Agenda 21. They banned Agenda 21 from their city, lock, stock and barrel. It was just a small city, but I thought, ‘Yeah!'”
What is Agenda 21? It is the keystone document for Sustainable Development. It was developed in 1992 at the Rio de Janeiro conference of the United Nations’ first Earth summit. This became the agenda for the 21st century. The doctrine that came to be known as Agenda 21 came from a book written by Trilateral Commission member Gro Harlem Brundtland, called “Our Common Future.”
Citizens for Free Speech
We cover a lot of information in this interview, so be sure to listen to it in its entirety, or read through the transcript for more. Also consider picking up one or both of his books, “Technocracy Rising: The Trojan Horse of Global Transformation” and “Technocracy: The Hard Road to World Order.”
Wood’s nonprofit organization, Citizens for Free Speech, is another excellent resource where you can learn more about your constitutional rights and how to communicate your ideas to others. For a small donation, Citizens for Free Speech also offers a laminated No Mask Card that you can wear on a lanyard, explaining your First Amendment Right to disobey local mask mandates.
“I started Citizens for Free Speech with the idea that technocracy is attacking the First Amendment,” Wood says. “It’s censoring our ability to communicate. It’s keeping us from communicating with each other and with our government and with our adversaries, those who may not agree with us fully.
Our ability to communicate has been completely decimated in America. We’re so dysfunctional. Everybody’s at everybody else’s throat all the time. There’s no patience, there’s no civil discourse anymore. And I believe that what people really have to learn, if they’re going to be local activists, they need to learn how to communicate their ideas.
Once they get ideas, they need to learn how to communicate those ideas to other people. Maybe those people agree with them, maybe they don’t, but nevertheless, they need to be able to express their ideas in a way that everybody in the room doesn’t get triggered and start hammering on you.
This concept of appropriate communication is what restoring the First Amendment at this point is all about … The First Amendment is under an intense attack by these people. That’s part of their strategy. Get rid of the First Amendment effectively, and what else do you have? Well, you have the Second Amendment. That’s the first thing you see.
I don’t even want to talk about the Second Amendment. I support it totally, don’t get me wrong, but if we lose the First Amendment, the Second Amendment was put there to take care of the loss of the first. And that’s the strategy that the enemy has, to break America down.
[Once you] get rid of the First Amendment, they figure America will fall into chaos, probably armed conflict, and that will make it just right for them to sweep in and take over when people then beg for anybody to put government back together, put the country back together.
So, the idea of supporting and defending the First Amendment is critical right now. People can get the issues, but if they cannot communicate those issues effectively, what’s the point? Why just sit on your couch and know everything there is to know if you have no ability to communicate that to somebody else? …
People … understand the value now, or maybe the necessity, of civil disobedience. This is a very touchy subject. I don’t want to go down the road too much. But we have reached a point where technocracy has pushed us into a corner …
If we do not resist and say, ‘We’re not going along with your program,’ then they will continue to push us into the corner until we simply cannot get out of that corner. The time has come for people to do what they know is right, and to protect themselves first — not to think about ‘the greater good’ all the time …
Once people see through the pseudoscience of face mask and social distancing, contact tracing, and all these mechanisms that are being thrown down at us, once they start to see through the statistical models being totally erroneous, they’re beginning to understand we just need to stop this behavior and not obey them …
We must restore our Constitution, which is the framework for everything else in our nation. We must restore the effective application of the constitution to our society …


prepareforchange--2020-08-28--Dr. Mercola Introduces Stop COVID Cold

Dr. Mercola Introduces Stop COVID Cold

Your Tax Free Donations Are Appreciated and Help Fund our Volunteer Website and Orphanage Disclaimer : We at Prepare for @ @ @ @ @ you information that is not offered by the mainstream news , and therefore may seem @ @ @ @ @ views , statements , and/or information we present are not necessarily promoted , endorsed , @ @ @ @ @ by Prepare for Change , its leadership Council , members , those who work with @ @ @ @ @ read its content .
However , they are hopefully provocative .
Please use discernment !
@ @ @ @ @ own intuition and your own connection with Source , Spirit and Natural Laws to help @ @ @ @ @ and what is not .
By sharing information and seeding dialogue , it is our @ @ @ @ @ awareness of higher truths to free us from enslavement of the matrix in this material @ @

From Dr. Mercola’s website:
Your Tax Free Donations Are Appreciated and Help Fund our Volunteer Website and Orphanage


prepareforchange--2020-08-28--17 Facts That Prove The U.S. Economy Is A Complete And Total Disaster Zone At This Point

If you know people that actually believe that the U.S. economy is moving in a positive direction , just show them this article .
In all the years that I have been writing about the economy , I have never seen anything that even comes close to what we are experiencing now .
More than 100,000 businesses have permanently failed , and tens of millions of Americans have lost their jobs .
If you still have a good job you should cling to it with all of your might , because there are so many families that have no idea @ @ @ @ @ @ @ bills next month , or the month after that , or that month after that .
When it gets to the point where you can ’ t even pay the rent or the mortgage , financial worries can absolutely consume your life .
If you have been there , you know exactly what I am talking about .
And if you have children , that just makes things even worse .
How do you explain to them that “ home ” is no longer “ home ” ?
Another group of people that @ @ @ @ @ @ @ the business owners that have had their dreams absolutely shattered .
Starting a small business from nothing and building it into a success takes a massive amount of work , and I have a tremendous amount of respect for anyone that is able to do that .
Unfortunately , so many once thriving small businesses have now been destroyed by the events of 2020 .
For a lot of those small business owners , it isn ’ t just time and energy that have been lost .
When you make your small business @ @ @ @ @ @ @ of who you are , and a lot of small business owners will never be the same again after this .
So please keep in mind that there are real people and real dreams behind each of the numbers that I am about to share with you .
The following are 17 facts that prove the U.S. economy is a complete and total disaster zone at this point… # 1 According to the San Francisco Chamber of Commerce , more than half of all the storefronts in the entire city of San Francisco @ @ @ @ @ @ @ 2 Just a few hours ago , New York City reported that it had an unemployment rate of almost 20 percent during the month of July .
# 3 Speaking of New York , 83 percent of all restaurants in the city were unable to pay their full rent last month .
# 4 In 2020 , the state of Louisiana has lost twice as many jobs as it did after Hurricane Katrina .
By the way , many are concerned that Hurricane Laura could soon become a similar monster storm .
# @ @ @ @ @ @ @ , an eye-popping 52 percent of all renters “ are at risk of eviction ” .
# 6 Americans now owe more than 21 billion dollars in unpaid rent .
# 7 Overall , 27 percent of all Americans did not make their rent or mortgage payment last month .
# 8 According to the Mortgage Bankers Association , the delinquency rate on residential mortgages increased by 386 basis points last quarter .
That was the most rapid rise that we have ever seen by a very wide margin .
# 9 U.S. @ @ @ @ @ @ @ in 10 years and they are expected to surge dramatically as we approach the end of this calendar year .
# 10 For companies with more than 1 billion dollars in assets , it is being projected that there will be a record number of bankruptcies in 2020 .
# 11 World trade plunged to the “ lowest levels on record ” during the month of June .
# 12 The percentage of hotel mortgages that are 30 or more days delinquent soared to a whopping 23.4 percent last month .
# 13 @ @ @ @ @ @ @ be eliminating 19,000 jobs next month .
# 14 31 percent of U.S. workers that were brought back to work after being laid off during the early stages of this pandemic have been laid off a second time , and another 26 percent have been told that layoffs may be coming soon .
# 15 According to one recent survey , about half of all U.S. workers that have been laid off during this pandemic believe that their jobs losses are permanent .
# 16 The IRS is projecting that it will receive @ @ @ @ @ @ @ year than originally anticipated .
# 17 Over the last 22 weeks , more than 57 million Americans have filed new claims for unemployment benefits .
In all of U.S. history , we have never seen anything that is even worth comparing to this .
Many of the numbers in that list are so catastrophic that it is difficult to believe that they are actually true .
What we experienced back in 2008 and 2009 was a “ deep recession ” , but what we are experiencing now is so much worse .
@ @ @ @ @ @ @ media is admitting that this new downturn will be with us for a long time .
For example , the following comes from a CNN article entitled “ We ’ ll be stuck in this economic slump for years , economists say ” … Unfortunately , those projections are actually way too optimistic .
Industry after industry is in the process of unraveling , major economic bubbles are bursting all around us , and the economic pain that is on the horizon is going to dwarf what we are going through at this @ @ @ @ @ @ @ a “ collapse ” has happened , but they still believe that eventually things will turn around and get back to where they were before .
And there are some people out there that actually believe that America ’ s greatest days of economic prosperity are still ahead of us .
You can go ahead and believe that if you want , and I definitely understand that many people would prefer to be optimistic about the future .
But sticking our heads in the sand won ’ t make the facts go away @ @ @ @ @ @ @ decisions to get us to this point , and anyone that thinks we can just snap our fingers and turn things around is just being delusional .
Disclaimer : We at Prepare for Change ( PFC ) bring you information that is not offered by the mainstream news , and therefore may seem controversial .
The opinions , views , statements , and/or information we present are not necessarily promoted , endorsed , espoused , or agreed to by Prepare for Change , its leadership Council , members , those who work with @ @ @ @ @ @ @ content .
However , they are hopefully provocative .
Please use discernment !
Use logical thinking , your own intuition and your own connection with Source , Spirit and Natural Laws to help you determine what is true and what is not .
By sharing information and seeding dialogue , it is our goal to raise consciousness and awareness of higher truths to free us from enslavement of the matrix in this material realm .

By Michael Snyder,
If you know people that actually believe that the U.S. economy is moving in a positive direction, just show them this article. In all the years that I have been writing about the economy, I have never seen anything that even comes close to what we are experiencing now. More than 100,000 businesses have permanently failed, and tens of millions of Americans have lost their jobs. If you still have a good job you should cling to it with all of your might, because there are so many families that have no idea how they are going to pay the bills next month, or the month after that, or that month after that. When it gets to the point where you can’t even pay the rent or the mortgage, financial worries can absolutely consume your life. If you have been there, you know exactly what I am talking about. And if you have children, that just makes things even worse. How do you explain to them that “home” is no longer “home”?
Another group of people that I feel really badly for are all the business owners that have had their dreams absolutely shattered. Starting a small business from nothing and building it into a success takes a massive amount of work, and I have a tremendous amount of respect for anyone that is able to do that.
Unfortunately, so many once thriving small businesses have now been destroyed by the events of 2020. For a lot of those small business owners, it isn’t just time and energy that have been lost. When you make your small business your passion, it becomes a part of who you are, and a lot of small business owners will never be the same again after this.
So please keep in mind that there are real people and real dreams behind each of the numbers that I am about to share with you. The following are 17 facts that prove the U.S. economy is a complete and total disaster zone at this point…
#1 According to the San Francisco Chamber of Commerce, more than half of all the storefronts in the entire city of San Francisco are no longer in business.
#2 Just a few hours ago, New York City reported that it had an unemployment rate of almost 20 percent during the month of July.
#3 Speaking of New York, 83 percent of all restaurants in the city were unable to pay their full rent last month.
#4 In 2020, the state of Louisiana has lost twice as many jobs as it did after Hurricane Katrina. By the way, many are concerned that Hurricane Laura could soon become a similar monster storm.
#5 In the state of South Carolina, an eye-popping 52 percent of all renters “are at risk of eviction”.
#6 Americans now owe more than 21 billion dollars in unpaid rent.
#7 Overall, 27 percent of all Americans did not make their rent or mortgage payment last month.
#8 According to the Mortgage Bankers Association, the delinquency rate on residential mortgages increased by 386 basis points last quarter. That was the most rapid rise that we have ever seen by a very wide margin.
#9 U.S. bankruptcies are already at their highest level in 10 years and they are expected to surge dramatically as we approach the end of this calendar year.
#10 For companies with more than 1 billion dollars in assets, it is being projected that there will be a record number of bankruptcies in 2020.
#11 World trade plunged to the “lowest levels on record” during the month of June.
#12 The percentage of hotel mortgages that are 30 or more days delinquent soared to a whopping 23.4 percent last month.
#13 American Airlines just announced that they will be eliminating 19,000 jobs next month.
#14 31 percent of U.S. workers that were brought back to work after being laid off during the early stages of this pandemic have been laid off a second time, and another 26 percent have been told that layoffs may be coming soon.
#15 According to one recent survey, about half of all U.S. workers that have been laid off during this pandemic believe that their jobs losses are permanent.
#16 The IRS is projecting that it will receive 37 million fewer W-2 forms for this year than originally anticipated.
#17 Over the last 22 weeks, more than 57 million Americans have filed new claims for unemployment benefits. In all of U.S. history, we have never seen anything that is even worth comparing to this.
Many of the numbers in that list are so catastrophic that it is difficult to believe that they are actually true.
What we experienced back in 2008 and 2009 was a “deep recession”, but what we are experiencing now is so much worse.
And at this point even the mainstream media is admitting that this new downturn will be with us for a long time. For example, the following comes from a CNN article entitled “We’ll be stuck in this economic slump for years, economists say”…
America remains in a deep downturn and is running a serious risk of a worsening recession that will last at least another year, economists warned Monday. About half of the National Association of Business Economics members expect US gross domestic product — the broadest measure of the economy — won’t return to its pre-pandemic level until 2022. A majority of those experts also say the US job market will be back to its February level in 2022 at the earliest.
Unfortunately, those projections are actually way too optimistic. Industry after industry is in the process of unraveling, major economic bubbles are bursting all around us, and the economic pain that is on the horizon is going to dwarf what we are going through at this moment.
The mainstream media admits that a “collapse” has happened, but they still believe that eventually things will turn around and get back to where they were before.
And there are some people out there that actually believe that America’s greatest days of economic prosperity are still ahead of us.
You can go ahead and believe that if you want, and I definitely understand that many people would prefer to be optimistic about the future.
But sticking our heads in the sand won’t make the facts go away. It has taken decades of catastrophic decisions to get us to this point, and anyone that thinks we can just snap our fingers and turn things around is just being delusional.
Source: http://theeconomiccollapseblog.com
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prepareforchange--2020-08-28--Escape From New York: Wealthy Residents Flee In Droves As The City Degenerates Into A Hellhole

Hundreds of thousands of wealthy residents have already left New York City , and more are leaving every day as America ’ s biggest city rapidly degenerates into a hellhole .
This is incredibly sad to watch , because in many ways New York had been an incredible success story over the past several decades .
The 1970s and 1980s were nightmarish times for the city , but over the past several decades it was transformed into a virtual paradise for the wealthy and famous .
Crime rates absolutely plummeted , the city was given a dramatic facelift and a @ @ @ @ @ @ @ of wealth into New York .
But now many of the old problems are starting to come back again , and a lot of wealthy New Yorkers have decided that it is time to look for greener pastures .
Of course the COVID-19 pandemic has been the primary motivation for a lot of the wealthy individuals that have been fleeing the city .
According to the New York Times , there was a mass exodus of 420,000 New Yorkers between March 1st and May 1st… Can you imagine 40 percent of your neighborhood @ @ @ @ @ @ @ people can often pick up and move a lot more easily than the rest of us , because many of them are not tied to traditional jobs and a lot of them already own second homes .
And it is definitely understandable that a lot of them would have wanted to leave during the peak of the pandemic in the New York area , but now that infection rates are a lot lower they still aren ’ t coming back and this has become a hot political issue for New York politicians .
@ @ @ @ @ @ @ York Governor Andrew Cuomo lamented the fact that this mass exodus is hitting tax revenues really hard… A single percent of New York ’ s population pays half of the state ’ s taxes , he said , “ and they ’ re the most mobile people on the globe.
” “ I literally talk to people all day long , who are now in their Hamptons house , who also lived here , or in their Hudson Valley house or in their Connecticut weekend house , ” Cuomo continued .
“ They @ @ @ @ @ @ @ .
And you know what else they ’ re thinking , if I stay there , they pay a lower income tax because they don ’ t pay the New York City surcharge .
So , that would be a bad place if we had to go there.
” But New York City Mayor Bill de Blasio is taking a completely different tone .
At this point , he doesn ’ t seem to care whether the wealthy come back or not… Mayor de Blasio can continue to deny reality if he wishes @ @ @ @ @ @ @ of revenue is starting to have a major impact .
The sanitation budget was cut by more than 100 million dollars , and at this point giant mountains of trash are starting to pile up around the city… At one time such scenes would have been unthinkable in New York City , but now they have become a daily reality .
Meanwhile , crime rates are absolutely skyrocketing .
In fact , the number of shootings in the city during the month of July was up 177 percent compared to the same month @ @ @ @ @ @ @ activity is being called a “ crime wave ” , and even the wealthiest neighborhoods are being hit hard… Some of the wealthiest people on the entire planet call the Upper East Side home , and they paid a lot of money for their homes so that they would be insulated from this sort of thing .
But now even their neighborhoods aren ’ t safe .
Over on the Upper West Side , a different sort of problem is making headlines… Can you imagine paying millions of dollars for your home and @ @ @ @ @ @ @ right on the sidewalk in front of your building on a regular basis ?
Even worse , it has been revealed that quite a few of the individuals that are being housed in these luxury hotels are registered sex offenders… And of those ten , there are four that actually victimized children… This is what life is like for the wealthy in New York City in 2020 .
No wonder so many of them have left and have no plans to come back .
Sadly , similar things are happening in major cities @ @ @ @ @ @ @ we have witnessed so far is just the beginning .
I certainly don ’ t blame anyone for wanting to leave New York .
If I was living there , I would want to leave too .
All over America , major cities that are being run by Democrats are being transformed into hellholes , but most of those Democrats just keep winning elections over and over again .
When will we ever learn ?
Disclaimer : We at Prepare for Change ( PFC ) bring you information that is not offered by @ @ @ @ @ @ @ seem controversial .
The opinions , views , statements , and/or information we present are not necessarily promoted , endorsed , espoused , or agreed to by Prepare for Change , its leadership Council , members , those who work with PFC , or those who read its content .
However , they are hopefully provocative .
Please use discernment !
Use logical thinking , your own intuition and your own connection with Source , Spirit and Natural Laws to help you determine what is true and what is not .
By sharing @ @ @ @ @ @ @ our goal to raise consciousness and awareness of higher truths to free us from enslavement of the matrix in this material realm .

Hundreds of thousands of wealthy residents have already left New York City, and more are leaving every day as America’s biggest city rapidly degenerates into a hellhole. This is incredibly sad to watch, because in many ways New York had been an incredible success story over the past several decades.
The 1970s and 1980s were nightmarish times for the city, but over the past several decades it was transformed into a virtual paradise for the wealthy and famous. Crime rates absolutely plummeted, the city was given a dramatic facelift and a booming financial community brought an unprecedented amount of wealth into New York.
But now many of the old problems are starting to come back again, and a lot of wealthy New Yorkers have decided that it is time to look for greener pastures.
Of course the COVID-19 pandemic has been the primary motivation for a lot of the wealthy individuals that have been fleeing the city. According to the New York Times, there was a mass exodus of 420,000 New Yorkers between March 1st and May 1st…
Roughly 5 percent of residents — or about 420,000 people — left the city between March 1 and May 1. In the city’s very wealthiest blocks, in neighborhoods like the Upper East Side, the West Village, SoHo and Brooklyn Heights, residential population decreased by 40 percent or more, while the rest of the city saw comparably modest changes.
Can you imagine 40 percent of your neighborhood leaving in just two months?
Wealthy people can often pick up and move a lot more easily than the rest of us, because many of them are not tied to traditional jobs and a lot of them already own second homes. And it is definitely understandable that a lot of them would have wanted to leave during the peak of the pandemic in the New York area, but now that infection rates are a lot lower they still aren’t coming back and this has become a hot political issue for New York politicians.
READ ALSO Trump Jabs FDA For Rejecting HCQ, Claims ‘Deep State, Or Whoever’ Delaying Vaccine Trials
Just a few days ago, New York Governor Andrew Cuomo lamented the fact that this mass exodus is hitting tax revenues really hard…
A single percent of New York’s population pays half of the state’s taxes, he said, “and they’re the most mobile people on the globe.” “I literally talk to people all day long, who are now in their Hamptons house, who also lived here, or in their Hudson Valley house or in their Connecticut weekend house,” Cuomo continued. “They’re not coming back right now. And you know what else they’re thinking, if I stay there, they pay a lower income tax because they don’t pay the New York City surcharge. So, that would be a bad place if we had to go there.”
But New York City Mayor Bill de Blasio is taking a completely different tone. At this point, he doesn’t seem to care whether the wealthy come back or not…
Mayor de Blasio couldn’t care less if wealthy people leave the city for good because of the coronavirus pandemic, telling reporters on Friday that he won’t bend over backward for the one percent to return to NYC. In a briefing from City Hall, de Blasio for a second day in a row sneered at Gov. Cuomo’s suggestion that the Big Apple’s ballooning deficit can only be bridged if rich people who fled at the outset of the pandemic come back and start paying taxes again.
Mayor de Blasio can continue to deny reality if he wishes, but without a doubt the lack of revenue is starting to have a major impact.
The sanitation budget was cut by more than 100 million dollars, and at this point giant mountains of trash are starting to pile up around the city…
Photos show bags filled with leftover food scraps, cans and bottles piled high on sidewalks or overflowing out of corner litter baskets. Dead rats have been found among the waste and raccoons have been spotted climbing out of garbage cans.
At one time such scenes would have been unthinkable in New York City, but now they have become a daily reality.
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Meanwhile, crime rates are absolutely skyrocketing. In fact, the number of shootings in the city during the month of July was up 177 percent compared to the same month a year ago…
The NYPD recorded 244 shootings in July 2020 versus 88 in July 2019, which is a 177% increase. Shootings rose in July in every borough, police said. Through July 31, the city has experienced a 72% spike in shootings compared to the same time last year—772 versus 450 in 2019. Murders in July rose 59% compared to last year with 54 in 2020 versus 34 a year ago. Burglaries were up 31% percent year-over-year. Police said 309 more auto thefts were reported for the month compared to a year earlier.
This explosion of criminal activity is being called a “crime wave”, and even the wealthiest neighborhoods are being hit hard…
New York City’s wealthiest neighborhood is grappling with a spike in armed robberies, new data reveals. Manhattan’s Upper East Side has seen 27 robberies over the past four weeks – a 286 percent increase when compared to the same period last year, according to the NYPD.
Some of the wealthiest people on the entire planet call the Upper East Side home, and they paid a lot of money for their homes so that they would be insulated from this sort of thing.
But now even their neighborhoods aren’t safe.
Over on the Upper West Side, a different sort of problem is making headlines…
Hundreds of homeless people who have been put up in luxury hotels on Manhattan’s Upper West Side by the city as part of its efforts to prevent COVID-19 outbreaks in shelters are terrifying residents by urinating, sleeping and taking drugs in the streets. In July, it emerged that 139 of the city’s iconic hotels – which had been forced closed for months – had agreed to take in homeless people for $175 per person, per night as part of a scheme by the city to try to avoid a breakout of COVID-19 in homeless shelters.
Can you imagine paying millions of dollars for your home and seeing homeless people urinate and take drugs right on the sidewalk in front of your building on a regular basis?
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Even worse, it has been revealed that quite a few of the individuals that are being housed in these luxury hotels are registered sex offenders…
Of greatest concern for parents are the sex offenders — 10 are living at the Belleclaire as of Thursday, the state sex offender registry said. That’s just one block from PS 87’s playground.
And of those ten, there are four that actually victimized children…
There are also four offenders whose victims were children: Ronald Butler, 62, convicted in June 2013 of raping a 16-year-old girl; Eddie Daniel, 59, convicted of abusing a 10-year-old in 2011; Jonathan Evans, 29, convicted of abusing a 6-year-old; and Michael Hughes, 55, convicted of possessing child pornography in 2007.
This is what life is like for the wealthy in New York City in 2020.
No wonder so many of them have left and have no plans to come back.
Sadly, similar things are happening in major cities all over the nation, and what we have witnessed so far is just the beginning.
I certainly don’t blame anyone for wanting to leave New York. If I was living there, I would want to leave too.
All over America, major cities that are being run by Democrats are being transformed into hellholes, but most of those Democrats just keep winning elections over and over again.
When will we ever learn?
Source: https://finanz.dk
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