In every business you have to make choices some hard some easy, but what you need to ultimately choose is who is helping you, who is treading water with you or who is dragging you under, as support in any business is crucial to its success. In my case I made negativity my main push to go forward as it is very hard to find like-minded people if you have an original idea.

Let’s make a moment in time whereby we together show politicians what they were expected do when elected, by our actions. My aim is to shame them because we can do, and not just talk about what can be done. I aim to help people mutually in starting a business on a basis of not paying tax, by investing in people and their community, but by doing so creating a business structure of sustainable organic growth and making the business produce a statistical charts that are published and accountable to the people using the services or products available.

Over time I have tried many businesses, many occupations and currently working as a Bus Driver for Cardiff Bus. Cardiff Bus is a company that if you do what is expected of you as best as you can you are supported and looked after. I have been employed at Cardiff Bus since 2019.

This business will not pay any income or create a paid employed position until it can afford to do so. Initially I expect to only employ administrative positions who are dynamic and able to switch positions to support the businesses needs to help provide the goods and services provided to people.

THE AIM OF THIS BUSINESS IS TO PROVIDE GOODS AND SERVICES TO PEOPLE ON THE BASIS OFF SAVING MONEY AND TIME AND/OR PROVIDING BETTER CUSTOMER SERVICE. PEOPLE BEFORE PROCESS.

We need businesses to flourish in society, but the community must benefit from the businesses activities. Employment, Products and Services should be of mutual benefit not to produce billionaires

So, I want this business to serve these businesses by listing them, what they do, review and recommend them, inform you how the community can benefit and help the businesses reason for being. I aim to leaflet small postcodes areas and develop a directory of local people who can deliver a better personal service to both develop themselves and the community mutually. The community can be its own lottery winner by keeping profits high and costs low with lower costs to deliver the goods and services to the consumer.

We need to adopt an organic way of producing goods and services, why are we choosing to purchase from big multinationals when the community could benefit from providing within.

This site will provide access to LOCAL people to provide and by doing so enable the community to grow within rather than creating inequality to the point where the local community is either non-existent or diminishing.

As a consumer buying goods and services that you need or want, it is your choice who you buy them from and where you want the profit to go to, personally I would like and preferably buy local.

Unfortunately there are goods and services that excel and warrant not buying local due to prestige, reliability or you have chosen them as a luxury item you want. This is why this business will identify products and services, reliability, where they are sourced, country of origin, Country of manufacture. We will use a traffic light system identifying Environmental

Environmental                                     Recyclable                       Food Item

Green           Locally Sourced              Biologically                     Vegan

Amber         UK Sourced                     Recyclable                       Vegetarian

Red              Outside UK                      Bad for Planet                  Animal origin

Mechanical (moving parts)                                                Non Moving Parts

Green           Maintainable by consumer                             Maintainable by consumer

Amber         Maintainable by manufacturer                       Maintainable by manufacturer

Red              Throwaway item after lifetime                       Throwaway item after lifetime

We need to ask ourselves who do we want the profit of the goods and services that we buy to go to, a billionaire 1,000’s of miles away from you or your local community or choose to buy the goods and services you requires that is based as close as possible to you so that communities flourish not billionaires

If you use Deliveroo, Just Eat, Uber eats, you are using local people to deliver local goods but the profits are going nowhere near you. People have become addicted to convenience a must have it now and these companies are just capitalising on your addiction.

In life, again you have choice, at times you have to buy goods and services that you resent, so choose your poison chose the one that best serves you and this business is here to serve you.

You will be able to Verify where your money and the profits from your purchases go to from this organisation by looking at the Verification and forms tab of the website.

Again, we are all entitled to our opinions, and I believe that ESSENTIAL services such as Landline/Broadband, Electricity, Gas, Water should not be supplied by private companies. A green levy has been paid by the billpayer since 2010 at an average cost in excess of £100 per year per bill for wind turbines but the consumers do not see a benefit but a few individuals have become millionaires over that time. This takes the volatility of market forces away from the public (protecting them from peaks and making sure the troughs are only passed on to the few not the many) protecting their future. It is actually cheaper to produce your own power than buy from the grid today!

Uber, Ola taxis are not of UK origin.

Likewise I tend to ask myself how much profit is made on the product I am going to buy, or how much does this item actually cost to make. Is there alternatives that give better value for money without compromise. Use rating and review sites before making your decision.

Try cooking home food rather than buying in food, you know what you are eating and you learn about nutrition as you learn to cook, and you never know you might actually get to like it.

Needs like Gas, Electricity, Landline, Broadband, Mobile has to be purchased, so you can choose your poison and make sure the profits go where you want to not businesses that make excessive profits and plead poverty.

Ask yourself what is        1)       The minimum wage         2)       One job – One income

Could you live on the minimum wage?         Do you need another job or source of income?

Can you reduce your costs?

Assets of Venture

Assets / Purchases of Venture:       

Karcher Puzzi Carpet Cleaner        Professional Carpet / Upholstery Cleaner for home / car use

                                                            Residents       Customers     Investors            Community Member

Price for use of Cleaner per Day     £20.00             £15.00             £15.00             £0.00

Cleaning Tablets needed for use     £1 each           1 each             £1 each           75p each

Income Distribution Share (IDS)

IDS it is a personal and voluntary (Mr Dean Gulzar) incentive for customers that are actively purchasing goods or services for a minimum period of three months through my wife, Tahira and I. If you owe money for goods and services or personally it will be deducted from the IDS

These terms and conditions can be amended upon notice given personally or by email within 28 days.

If any of your accounts linked to CCC falls into arrears, you will not be eligible for IDS until your account is in order and paid in full for three months

I currently am employed by Cardiff Bus as a Bus driver. On that basis this is a business set up to serve the community that I am proud to invite you into. It is voluntary so you can opt out at any time, by request.

Every member will be given an identity number and only referred to by that number, no personal details will be referred to by me (Dean Gulzar) GDPR

CCC stands for Care, Community & Compassion. For every Customer and Community member we have, the sum of £1 will be put into a fund monthly, this fund is an Income Distribution Share and when a value is reached it will be paid by means of a draw. Any value over the prize will go into the next prize. Also, any deduction for services not taken will be allocated to the next draw value. Once you have received a draw value you go into the next value and so on. On that basis if you are in the prize draw you will eventually receive the cash value draw. This is not a lottery; you are guaranteed the sums eventually and the more members the quicker you receive the prize value.  No value is deducted from Community Members

To qualify for your payment, you will be allocated an membership/partner/customer number.

There will be a maximum of two sums paid each month.

1. A £50 payment for the customer who has the highest cashback payment of the utility bill
2. A payment of one of the below values, subject to the products or services used as detailed below

The values are as follows:

£50                                            £250                                          £500

£1,000                                       £3,000                                       £5,000

These values will be effective until membership numbers reach 100

The draw will take place on the 20^th of each month, a maximum of 2 prizes will be drawn each month.

There are no Conditions to receive the £50 prize

10% reduction for each service not taken on prizes above £50. No deduction for Community Members holding 2% of community members stock /share / units

Qualifying services are as follows:

1. Home Phone                              2) Broadband
2. Mobile                                       4) Electricity
3. Gas                                            6) Cashback Card
4. CCC Membership                      8) CCC Participation

Every month a Prize sheet will be sent via the email provided upon application, so that everyone knows how the fund is growing and when they are likely to receive the relevant prize.

I would be very grateful if members promote the services provided so as the number’s grow and the quicker you receive the prize value due.

Thanking you in anticipation and wishing you good luck

IDS (Income Distribution Share)    Allocation information

Number of Customers / Community Members:

A voting structure on how income and expenditure is to be managed will be setup initially on the basis of

                                        Resident                 Customer               Investor          Community

Administrator                  40%                       40%                       40%             40%

Partner Shareholding       —                           60%                       60%             50%

Community members (residents who are active customers)         —                —

Resident                           60%                                                                         10%

So, choosing to become a part of this venture people can have a role on how the business and the community is managed and grows

I have a business that everyone can become a part of whether you want to or not as I do not know anyone that does not use goods or services that can be supplied by this business. You have a choice and you can choose where the profits of your purchases go, here the profits will be returned to you in many ways. Here are the avenues available to you at present:

The need of a life changing sum of money as an active customer

Resident, Customer, Investor or Community voting unit

Any Product or Service you require this venture will quote or look into providing for you

Electricity

Gas

Landline

Broadband

Mobile phone

Purchases of Food, Electrical items or anything you need or want

Aspirations of a home for your lifetime

Employment on the basis of Personal, People and invigorating for both you and the environment in which you live

A support network to help each other when required

So I invite you to become part of this initiative to better our lives and the people around us in any capacity that suits you as below

Resident

Any individual who completes an application form showing interest will have a say in ow this organisation develops

Customer

By buying goods and services that you need through this business you will be contributing and making positive changes to the area in which you live. You have to make these purchases and you can make them in a way that benefits your community as well as benefitting on the basis of saving you money and time

You need or have chosen to buy these goods and services as previously stated you have the power to choose your poison and in this case choose where the profits of these purchases go!

Community Member / Business Partner

Purchase a voting share monthly, by doing this you have a say in how this business reflects your priorities on how it moves forward in time

A warning here as there are no guarantees in life and this business would be regarded as a highly risky investment as the only real guarantee is you, so if you have faith in yourself then take the risk if not just watch it progressing as you can join at any time.

50% of profits will be returned to investors each January

Only 30% of these purchases will be used for business activities the rest will sit in a bank account to ensure people’s money can be returned upon request.

As peoples individual circumstances change throughout life financial constraints at times can be pressing so to address this at any time you want to any money paid in can be taken back out at any time within the first year, after that one weeks’ notice each year of partnership will be required. So if you change your mind you lose nothing

Community Member

This is total commitment to the aim or cause, all funds received will be used to help the community benefit from its activities.

The units purchased will attract a voting share and will be passed on to whoever you wish upon reaching retirement age.

Business email contact number is

deangulzar@hotmail.com         I will endeavour to reply as soon as I can. Please be patient am but one person and will reply.

My aim is to create a business built of mutual respect, gain, fulfilment, it’s reason for being will be to give people more time and money for the individual to enjoy life. The structure will be set up to help not to hinder progress over time.

The past is to learn from, councils who have their own agenda, politics has failed, together as a community with the proper governance we can act as a team.

To create a private business not tied down by arbitrary rules and regulations but respecting the needs and wishes of local community and the partner members requests when possible.

Gold and Silver and Bronze products prices based on usage, price, location and environmental impact.

Buying local is best, by buying items from this business, I will endeavour to source the products closer, and if the demand is high enough produce it to meet demand.

We all have choice, and this choice is what is essential to democracy, my aim is the either save you time, money or provide a better service. If a demand is created or exists then this business will provide it based on sourcing it locally as possible, the best product or service available by utilising local people in the delivery of need or want required.

The price of a Community Share is set at £10 per month, to take away any form of risk, the business will not have be able to borrow unless 80% of Community Members voting shares agree to it. That way if borrowing is agreed it will be able to pay it off very quickly from business / Community Members income.

Any Investor can request full refund of shares purchased on the basis of 1 weeks notice per years membership. On that basis the maximum number of Partner Units will be 10 per month per individual.

The business will be created on the basis of Family life, enjoyment, development, and reducing the cost of living in an environmentally sustainable framework.

The business must be able to move forward on a basis that the average person will be able to relate to and understand the reasoning of its actions

My utopia would that an individual could live life on a very bare income. I would like the first 15 units of electricity if any household free with no standing charges at all. Water should be free, no gas usage at all

Once a property has been bought a rent is established and that rate stays until the contracted  occupant choses to leave or 25 years after that it will be rent free until the individual dies, just like a mortgage. The asset then returns back to the business to be relet at the rates applicable at the time. This can be done be done as the property will be purchased outright. Utilities will be supplied but the choice will be the tenant’s ultimately but if CCC services not used the rent will increase by £5 per week for each service not taken

Investment and community bar of 10 will be established on all purchases, investments so as people know of the risk taken

We must concentrate on basics and low risk gains, but not dismiss derivatives, stocks and shares as good gains can be attained, income used on these would a very small percentage of available business income.