• 0 Posts
  • 47 Comments
Joined 2 years ago
cake
Cake day: October 20th, 2023

help-circle

  • Thanks dude.

    I am incredibly fortunate that my boss is a Saint and we literally put ourselves first and the work second. It’s a small company and we are not expected to think about work outside of work and they’ve shown time and time again with their actions that they are good people.

    I just don’t have that kind of drive for coding now outside of work as work satiates that desire, which means out of work I can focus on mental health which for me comes from being outside or doing something.

    I will say the past isn’t amazing as I’m quite new but has two raises and a reduction in hours in less than 2 years.


  • You’re right I could be helping out I mom the open source side, but I really struggle to even turn on my Pc when not working (mental health) so don’t feel I am the best person to contribute.

    This is why my focus has been on getting friends and family to stop spending money on streaming services as every little helps.

    You’re correct in that the only thing that matters to me is that people I care about save money. That’s it. I’m in awe of people doing more than me, but we can only do what we feel we are able. Together it all makes a difference.


  • My aim is to get my friends and family to stop paying for streaming services and if I have to pay for Plex to achieve this then that’s a win.

    Jellyfin is nowhere near as feature complete as Plex and not by a long shot. My users don’t like the UI of Jellyfin and setting up for remote access is no trivial feat. With this in mind and my goals Plex is better suited.

    So far have 8 users all saving £10-40 a month not going to streaming services.













  • What is it you don’t understand, perhaps I can guide you.

    Do you have any technical knowledge? Like navigating systems or any programming experience?

    I only ask those as if yes, then watching a couple of videos about docker-compose should be sufficient. Once you have an understanding of what it does you can rely on the docs more then.

    Even asking ChatGPT for an example docker-compose file for what you want would be a great start.


  • I don’t know if it’s effective, it’s too early, the trial hasn’t even begun. What I do know is artists make statements whether I agree with them or not.

    It doesn’t exist in this country yet. Don’t forget we’ve had over a decade of Tory cuts and particularly to the NHS, they’ve privatised more and more parts of it so it doesn’t seem to unrealistic that with our special relationship we will end up in a similar place.

    Look at dentists. Woefully underfunded and so many dentists move to private practice making finding an NHS dentist an insurmountable task for many people.




  • At the risk of being downvoted here is what an LLM says for someone based in the UK. It looks like there are some regulatory licenses we would need to but I am down to try this.

    Setting up a debt acquisition company in the UK to buy and forgive debt is a noble idea, but it involves navigating some legal, financial, and regulatory challenges. Here’s a step-by-step guide to get started:

    1. Incorporate Your Company

    • Structure: Register a private limited company (Ltd) through Companies House. This structure limits your personal liability.

    • Name and SIC Code: Choose a unique company name and use an appropriate SIC code (e.g., 64999 for financial intermediation not elsewhere classified).

    • Directors and Shareholders: Appoint at least one director (can be you) and determine share distribution.

    2. Register for Financial Regulation

    • FCA Authorisation: You’ll need authorisation from the Financial Conduct Authority (FCA) since debt purchasing and management are regulated activities. Apply via the FCA website and expect a fee.

    • Consumer Credit Licence: Obtain a consumer credit licence if you’ll be dealing with consumer debts.

    3. Develop a Business Plan

    • Mission Statement: Clearly state your goal to buy and forgive debt.

    • Funding Strategy: Determine how you’ll finance the purchase of debt (e.g., donations, grants, or investor backing).

    • Debt Acquisition Strategy: Focus on purchasing heavily discounted debt, often found with collection agencies looking to offload defaulted accounts.

    4. Secure Funding

    • Donations or Crowdfunding: Platforms like GoFundMe or Kickstarter can help raise funds.

    • Grants: Research grants for non-profits or social enterprises.

    • Investors: Look for impact investors interested in social good.

    5. Buy Debt Portfolios

    • Debt Brokers: Contact brokers who sell distressed debt. They usually sell for pennies on the pound.

    • Types of Debt: Focus on unsecured consumer debt (credit cards, medical bills) for easier acquisition and forgiveness.

    • Due Diligence: Review the legality and status of debt portfolios before buying.

    6. Forgive the Debt

    • Notification: Inform debtors in writing that their debt has been forgiven with no tax consequences.

    • Debt Registry: Ensure the debt is marked as resolved or forgiven in credit bureaus if applicable.

    7. Tax Implications

    • Corporation Tax: Even if forgiving debt, you may still owe tax on donations or other income.

    • Gift Aid: If you register as a charity, you can benefit from Gift Aid on donations.

    8. Compliance and Reporting

    • Annual Returns: Submit financial statements and annual returns to Companies House and the FCA.

    • GDPR Compliance: Handle debtor information in line with GDPR regulations.

    9. Marketing and Transparency

    • Website: Create a transparent website detailing your mission and impact.

    • Impact Reports: Publish reports on debt forgiven to build credibility.

    Would you need more detail on any of these steps?