mark212

What this guide leaves out is the most important part: getting a bank account. I can’t speak to the process in the U.K. but in the United States the “know your customer” rules are quite strict and accounts for businesses are doubly so. Just having a set of incorporation papers won’t work and it can’t be done online (in my experience).

Having a duly registered company with fake directors gets you nowhere without a bank account.

Me too. Which perhaps undermines the point of the denial?

Perhaps off topic but this was very difficult to read because PC Mag’s advertising was constantly changing sizes. Thank God for Reader View or I’d have abandoned it early

thanks very much, super-helpful!

how do you like the Ooni Koda? Wired had a review and they seem a little mixed on it, gave it 8/10

https://www.wired.com/review/ooni-koda-pizza-oven/

This is inaccurate. Only a small fraction are live. And it would take a lot more than 3,000 cameras to be "city wide" in SD. It's a really large city in geographic terms.

that's a different system. They don't have cameras.

anything short of criminal charges is "no enforcement mechanism"? You do realize that if you're a POST-certified peace officer and terminated for cause (1) you lose your pension and (2) are utterly unemployable by any other law enforcement agency. That means you're in your mid-50s and can't find a job in the field you've worked in for a few decades, and probably can't get hired as a security guard because lack of POST certification means you can't carry a gun on the job.

It's quite a harsh punishment for accessing records inappropriately.

I think there’s a statewide standard now on light pollution that mandates dimmer lights. Supposed to be safer, too, because the contrast with the shadows isn’t so great.

Great point: let’s have an honest and fact-based discussion. This blog post isn’t that. Turn up at a council meeting and tell the elected politicians that you don’t want to be spied on. Make the police defend their use of the footage. Convince others to agree with you. That’s democracy and at this level of government it works pretty well.

It’s classified the same as other confidential information. There was a senior detective fired because she mishandled the same class of info on a case, so yeah there are serious consequences for breaking these rules. It’s not at all like corporate policies.

“Too tantalizing to public officials”? Please explain. The city is run by nine elected members of the council. For what possible purpose would they wish to have audio recordings of street traffic?

No, there aren’t. This is a few hundred cameras and it’s mostly downtown. San Diego is the eighth largest city in the US and this is a tiny fraction of the city. Evaluate it on the merits, but be clear about what’s really going on.

This blog post is highly misleading and inaccurate. Access to the video is very limited and subject to strict protocols for use in investigations. And the audio recording capacity isn’t live because the City has no use for it.

The SD Reader isn’t a very trustworthy source. Here’s the U-T’s extensive piece on the topic:

https://www.sandiegouniontribune.com/opinion/the-conversatio...

“Little green men” to me is a reference to the Russian army units that invaded Ukraine without insignia for deniability.

There are regional technical support task forces that work across agencies. Smaller departments call them in for serious work and the larger ones contribute resources. So while you’re right about the agencies’ individual capabilities, you’re wrong that they’re siloed like that.

San Diego has the tenth highest rent in the US and while it may be cheaper in absolute terms, the average salaries are lower too.

https://www.sandiegouniontribune.com/business/real-estate/sd...

More than half of San Diego renters spend 30%+ of income on rent, making it one of the least affordable areas in the country.

https://www.kpbs.org/news/2019/jan/03/more-half-san-diego-co...

Those other cities around the valley are just as NIMBY and impacted as SF is, and the problem is even worse because the local governance structure is fractured. Mountain View, Palo Alto, and Cupertino are all separate cities with their own mayors and councils and zoning restrictions

It’s not just SF. This article also talks about NYC and the massive problem they’re having with the subways. San Diego (#8 in most populous cities) is having a very difficult problem with homelessness and has extremely high rents, one of the least affordable in the US.

NIMBY and high rent isn’t just an SF problem, as this article notes. It’s just easier to focus on SF because its problems are well-documented.

So you live in a world where the FBI has unlimited resources to prosecute all crimes? Sounds fabulous, what’s that like?

I’m suggesting that in a world of finite resources, one should prioritize the most serious over the picayune

Apparently there are no more drug cartels to go after? We’re now worried about a has-been actress who paid $15,000 so her kid could cheat on the SAT?

I’m skeptical of the FBI’s investigative priorities. Wall Street is suddenly squeaky-clean? No more insider trading? Ponzi schemes have all gone away? Municipal governments across the land are staffed by honest and dedicated civil servants? All defense contractors are scrupulously precise about their billing and would never ever bribe a DOD procurement official?

I’m not saying it’s right to engage in cheating on the SAT or bribing someone to get into a university. But inarguably there are many more crimes that are far more serious.

The Heroes of Telemark is even better! Kirk Douglas and Richard Harris, what could be better?

Yeah that ascii art with three swastikas really added to the discourse. That and the second comment “your mom is Facebook” made me think the Algonquin round table had come back to life.

I think the point is to integrate the money with the bracket, and have it update live and accurately. I assume none of the existing platforms you use take money, hold the pot, and disburse to the winner?

The fact that they’re not handling people who own real estate simplifies things considerably and they have Attorney reviews to screen out the complicated cases (from what I gather). But yeah the basics of a no-asset Chapter 7 where the only secured debt is a car loan, I’d agree that state law variations are minimal.

most people filing for BK aren't really "people that don't have any money." It's a middle class problem: the truly poor have virtually no access to credit and are unlikely to have debt problems, while the well-off can save their way out of it. It's nearly always people with some income and employment who find themselves suddenly without enough to pay their debts.

Wiping out tens of thousands of dollars in debt (usually credit cards, but sometimes medical and lawsuit debt too) is a huge help.

Something as simple as a standard line at the bottom of every notice email sent to the debtor, to the effect of "We're a non-profit supported in large part by donations from satisfied users just like you. Please consider a small donation to pay it forward so we can continue to help people get a fresh start." With a link to your donation page.

I would strongly urge you to create a white label version of this and sell it to consumer BK lawyers. I used to practice in this area and the biggest pain-point by far was handling the documents from the clients and turning that into PDFs of the petition and schedules to upload to ECF.

Sounds like your tech stack is already worked out on that, so why not white label it to debtors firms? The typical SaaS billing levels (Starter / Pro / Enterprise) would work, and you could offer a paid-by-the-filing level, too. Roll in the pre-filing counseling and the electronic filing and you've got a really good and attractive solution.

Especially as this is built for self-service. If a lawyer could have an in-person counseling session with a prospective client, then point him/her at a webpage to fill out the details and upload docs, that would save an enormous amount of time.

It's been a couple of years since I look at the filing software, but the industry was dominated by a couple of big players and the client-facing solutions were minimal and sketchy. The big advantage was being able to file electronically. But it still needed a couple of dedicated paralegals / clerks to track down all the papers and enter all the details.

Good luck to you!

It's exceptionally difficult to discharge student loan debt in bankruptcy. Rare to even have someone try, quite honestly, given the state of the caselaw at this point. Basically have to be fully and permanently disabled to even have a shot at it.