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Why would I write an article about mental health in business? We think about our bodies – well some of us do! We try to eat healthily, we do the required amount of exercise to keep healthy, drink plenty etc. We assume that this is enough to keep us where we want to be – in peak fitness to run a successful business with all the energy and commitment that entails. BUT IS IT?What is it? What does it mean? We hear so many terms surrounding the words that there is confusion for a lot of people. Alzheimer’s, Parkinson’s, Bi-Polar, Depression, Schizophrenia, Anxiety etc – there are a lot of names out there!The World Health Organisation defines mental health as “a state of well-being in which the individual realises his or her own abilities, can cope with the normal stresses of life, can work productively and fruitfully, and is able to make a contribution to his or her community”. It was previously stated that there was no one “official” definition of mental health. Cultural differences, subjective assessments, and competing professional theories all affect how “mental health” is defined.So there you have it – being ‘normal’ is what counts! So how can you ensure that you keep your mental health in business for as long as you want? How can you stay at peak condition mentally to ensure that you can run that business optimally?Diet And Mental HealthYou feel that you may be eating healthily but there are hidden factors out there that can seriously affect what is happening in your brain. Your control centre. The worst that springs to mind is the side-effect of Aspartame or Acesulfame K. We avoid sugar as we know that it is not good for us (more on that in another post) but the sugar-free products that we replace it with have these chemicals in them instead. It actually contains 3 chemical compounds – all of which are seriously toxic to the human body – aspartic acid, phenylalanine and methanol (wood alcohol).So what are the effects of Aspartame? Horribly, there are an awful lot of them as the process of exchange within the body leads to the release of even more chemicals such as formaldehyde:headaches/migraines, dizziness, seizures, nausea, numbness, muscle spasms, depression, fatigue, increased heart rate, insomnia, vision problems, anxiety attacks, slurred speech, tinnitus, vertigo and memory loss – the last being one of the most common starting symptoms of Aspartame toxicity.It can trigger or worsen the following:brain tumours, multiple sclerosis, epilepsy, Alzheimer’s, Parkinson’s, mental retardation.It causes chronic neurological disorders by acting as a neuro transmitter in the brain and too much of it ‘excites’ (kills) certain neurons by allowing too much calcium to enter the cells. The neural cells are stimulated to death.A simplified version of what happens or can happen – the research is out there – if you value your health then avoid this chemical!WaterSounds strange doesn’t it? How can water affect our brain and thereby our mental health? We know that drinking water is important but most people do not take nearly enough into their diets. They load themselves with dehydrating liquids such as tea, coffee and alcohol and assume that all liquids are equal! They Are Not!! If you look at our planet you see that it is 80% water – as our mother we follow suit and our bodies are also 80% water. If this level is allowed to drop then we experience symptoms which are wide-ranging from physical joint and muscle pains to headaches and vision problems. The brain has to be kept hydrated to work properly!We are aware that mental health covers the areas of depression, stress and anxiety also under its umbrella. A depressive state can lead to chronic fatigue syndrome. What has water to do with this? When the body becomes dehydrated, the physiological process that come into play are the same ones that occur when coping with stress. Dehydration equals stress, and once stress establishes, there is an associate action of materials from the body’s stores – in effect this process will ‘mop up’ some of the water reserves of the body. Therefore dehydration causes stress and stress will cause further dehydration.Now several hormonal overrides become operative in the stress situation – the body assume that it is in crisis and adopts its normal reaction to that – fight or flight – even if it is work-stress – this is then maintained and begins to exhaust the body and the adrenal glands associated with this until a state of chronic fatigue develops.Keep your body hydrated with water! Keep your brain hydrated with water!DepressionMelancholy, despair and other aspects of mental depression are now more common than ever. What you could once cope with in your daily life is now a struggle. Nothing to do with age, I hasten to add, but a build-up of toxicity that is affecting your energy levels and your thought processes. Women are particularly prone to depression when exposed to excessive competition and stress. Mental depression is experienced in the mind but is generally rooted in a stagnant liver. Dietary principles apply here to lift the liver to its former glorious state of energy and the depression lifts from the mind. Short-term remedies for this are the wild-blue green micro-algae and vinegar! Apple cider vinegar acts specifically on lifting the liver taking 1 teaspoon in a little water while experiencing the mild depression we are all subject to from time to time. Following a liver cleansing programme is longer lasting.FatigueThe final suggestion here, apart from seriously looking at your diet, chemical intake, and water intake is your oxygen intake. Most people breathe only to a shallow level – we are nothing without oxygen – it is the life of our blood and cells. Deeply breathing allows the oxygen to circulate around all the peripheries including the brain! Allow your stomach to expand as you breathe in and contact as you breathe out – the other way round is wrong! You will find that you can breathe to a much greater depth and if you feel slightly dizzy – great – it means that the oxygen has got to your head and brain area! Practise this every day – make it a part of your health regime as it also stimulates the lymphatic system.Last comment would be on the workings of your colon! If it doesn’t work as often as it should – 2-3 times a day surprisingly enough if you eat 2-3 times a day – then you are going to feel the effects of this throughout your body, mental state, muscles, joints, skin, eyes etc. Vital to keep this organ flowing freely to be in a healthful state and to have optimum mental health. Truly – without the cleanliness of this area you will feel sluggish, depressed; mental processes slow down and you feel exhausted!Here’s to your Success!

What is need of Guaranteed Check?

The main focus should be to ensure that merchants aren’t financially harmed because they accepted rejected, returned, or bounced checks, and this may be done by ensuring that guarantee services provide checks safeguards to shield merchants from checks-related losses that may arise.

The goal of Crosscheck is to provide quality, efficient, and reasonably priced check accepting and processing solutions for various sectors and merchants. Merchants can provide their consumers with additional check choices, which benefits their company. Additionally, Crosscheck lets your rivals opt-out of the checks as well.

How Does the Guarantee on Checks Work?

When it comes to Check Guarantee services, Crosscheck provides two different kinds.

Before making a deposit using Standard Check Guarantee, merchants must authorize checks at the points of sale by phone, terminals, or the Crosscheck online site. Merchants that have received cleared checks from their banks but have not been paid must send the checks back for reimbursement to Crosscheck.

Businesses may use cheque imagers to detect checks and submit them to Crosscheck through the internet or a terminal before paying the fees associated with the service. Merchants that use this service often get money in two days without having to leave their location. Electronic cheque processing may be performed via the use of converting software or by remote deposit capture (RDC).

Which Companies Use Check Guarantee?

Automobile, auto parts, motorbike, and construction/rehabilitation trade retail outlets and medical and veterinary clinics are some of the businesses that utilize the Check Guarantee service.

Advantages of Check Guaranteed Payments?

The Check Assure saves a lot of money while boosting sales volume. Because Check Guarantee has the lowest rates for accepting checks in the market, Check Guarantee can provide the least expensive card processing alternatives.

Check benefits for Guarantee include:

Checks may be accepted from throughout the nation, as well as the provinces and territories of Canada.
Equipment programming, as well as personnel training, are the foundational elements of a promotional account setup.
This includes 24/7 access to free technical assistance, and you’ll always have accessibility to it, regardless of the time of day or night.
Additional security and versatility, as well as personalization, are provided via optional upgrades.
Additionally, equipment loaners are provided as a free service.
With cash seldom utilized for large-dollar transactions in the current corporate climate, most purchases are done with a credit or debit card or a check. Only drawee banks may make this determination while the customer is present at the teller’s window.
In situations where customers pay after they buy, such as purchasing vehicles, buying furniture, or getting house repairs, this kind of transaction just doesn’t occur. As businesses have accepted cheques in reasonable care or assurance that perhaps the checks are genuine, various scenarios arise. The guarantee services are offered to you.

Look for services that offer protection against losses, much like guarantees that protect people from incidents of loss and safeguard merchants from the eventuality of accepting returned checks, which may lead to their banking institution losing money.

Check guarantee service protects against accepting bad checks. Merchants can relax knowing funds are guaranteed. Businesses that otherwise refuse check payments or refuse certain checks, such as checks written by out-of-town banks, can benefit from check guarantee services.

As a small business owner, you will know that all Vat Returns have been digital, i.e. online, for some time. But you may not realise that HMRC’s plans do not stop there. In under a year, you will have a very different set of requirements to fulfil.

Phase One of the new Make Tax Digital process comes in as early as April 2019. So start planning in this tax year, for the changes to come in the next.

Making Tax Digital – the implications

The authorities now intend to more or less make it mandatory for you to buy or lease what they describe as functional compatible software, such as Clearbooks, to make all your entries real-time. (Note to Mac users: check that your chosen solution will work in the UK).

This may mean an end to leafing through paper records every quarter or year, but it does mean that you (or whoever does your accounting) will have to keep on top of, and record, all forms of expenses as they happen, as well of course as your invoicing.

It is said (following representations from small business groups) that spreadsheets can still be used if you link them electronically to HMRC, but this is intended as a temporary measure and it could be problematic in practice.

VAT goes first

The initial phase of what is intended to be a complete business tax changeover by 2021 is that VAT records will be made digitally, continuously reportable from April 2019.

The VAT Returns currently only list total sales and purchases. After April 2019 you must digitally record every single item, showing the VAT element – e.g. zero-rate, standard-rate. All the adjustments you may make – reverse charges on imports, car leases, subsistence, entertainment etc. also need to be shown.

There are potential upsides and downsides:

Advantages:

Less physical paperwork and collation/conversion of spreadsheet information
Avoidance of VAT recording errors and potential fines
Disadvantages:
Extra expense of cloud accounting software (for current non-users)
Continuous recording replaces quarterly or annual work
Likely extra hours charged by your accountant on conversion and to ensure compliance
Who is affected
Organisations that have annual sales of £85,000 are obliged to be VAT-registered: below that level, they may opt to register if they think they may exceed the amount in the current year or soon.

This is not just limited companies, but also partnerships, sole traders, public organisations, schools and charities.

It is quite possible that those who are close to, but below the threshold may now elect to withdraw from VAT registration, or not to join if they otherwise were planning to. We advise a discussion with us at Region Accountancy if you are uncertain, because there are arguments for and against and each situation will be different.

There is to be an initial 12-month ‘honeymoon period’ when no penalty fines will be applied, to those who are VAT-registered. There will certainly need to be a bedding-in stage for small operations that do not have external financial assistance.

With other taxes due to be converted to ‘full digital’ by 2021, it is HMRC’s vision that overall, organisations will be better off in future. The devil, as ever, will be in the detail.