• VAT deduction

    Chinese Medicine

    Chinese Medicine
    Chinese medicine is a system of health care that has been practiced for thousands
    of years. It is based on the belief that the natural forces of yin and yang help to
    maintain balance in the body and promote health gulfcoastcoop. When these forces become
    unbalanced, the body can suffer from disease.

    Traditional Chinese medicine (TCM) | Description, History, & Facts |  Britannica
    Traditional Chinese medicine focuses on restoring the body’s yin-yang balance,
    thereby relieving disease symptoms gulfcoastcoop.com. To do this, acupuncture, diet, herbal therapy,
    and exercise are used.
    Acupuncture uses tiny needles inserted into specific points along the meridians of
    the body, to stimulate qi flow and reduce pain. Other techniques include massage,
    moxibustion (using small amounts of heated plant fiber), and cupping, in which
    warm glass cups are placed on the skin to draw blood to the area.
    Herbal medicines are an important part of traditional Chinese medicine. These are
    prepared with herbs, roots, powders, and animal products to treat a wide range of
    conditions.
    There are more than 7,300 species of plants and many animal products, which have
    been used as drugs in Chinese medicine since ancient times. Scientists have
    isolated a number of compounds from these herbs that can be useful in developing
    modern medications.
    In recent years, there has been a growing interest in the use of traditional Chinese
    medicine as a treatment for chronic diseases such as cancer and cardiovascular
    disease. This is in part due to the growing awareness that conventional drugs have
    side effects and may be contaminated with toxins.
    To avoid these side effects, patients who want to use a Chinese herbal remedy
    should be sure they have permission from their doctor before starting the treatment.
    It is also important to inform their doctor of any prescription or nonprescription
    medications they are taking.

    Traditional Chinese medicine (TCM) | Description, History, & Facts |  Britannica
    Traditionally, Chinese herbal medicines have been largely plant based, but some
    preparations contain minerals or animal products. They can be packaged in a variety
    of ways, including powders, tablets, and liquid extracts.
    Herbal medicine is a key component of Chinese medicine, which is used to restore
    the yin-yang balance of the body and reduce disease symptoms. The herbs can be
    used to promote healing by removing blockages and imbalances in the body’s
    energy systems, called qi and xue, which are thought to cause disease.
    Another major goal of Chinese medicine is to support and strengthen the immune
    system, a critical component for good health. To do this, it is common for
    practitioners to recommend a series of exercises and breathing techniques.
    Acupuncture can be an effective treatment for chronic conditions such as
    fibromyalgia, migraines and osteoarthritis. It is especially helpful for relieving pain
    and inflammation.
    Some studies have shown that Chinese herbs can also help improve cognitive
    function and mental health in the elderly. For example, a study published in the

    International Journal of Alzheimer’s Disease suggests that a herbal medicine known
    as qian ceng ta is effective at improving memory in elderly people.
    Traditional Chinese medicine can be a valuable resource for patients who seek a
    more holistic approach to health and wellness. It has a long history of practice and is
    used extensively by the Chinese population in China and around the world.

  • VAT deduction

    What is Cell Medicine?

    What is Cell Medicine?
    Stem cells are unspecialized cells that can develop into many different types of cell.
    Scientists are hopeful that stem cells can be used to repair damaged tissues and
    organs dailydispatcher. This form of medicine is known as regenerative medicine.

    Targeted stem-cell attack could make transplants safer
    There are two main kinds of stem cells: embryonic stem cells and adult stem cells.
    Embryonic stem cells are found in the inner cell mass of the blastocyst and can be
    manipulated to produce many types of tissue-specific cells dailydispatcher.com.
    Currently, bone marrow transplants are the most common type of stem cell therapy.
    These treatments use stem cells from a patient’s own bone marrow to replace the
    blood-forming cells that have been damaged by chemotherapy or disease. This
    therapy is a well-established treatment for blood cancers, such as leukemia, and
    bone marrow failure conditions, such as thalassemia.
    Other forms of stem cell therapies are in clinical trials for diseases such as lupus and
    arthritis, heart disease, and diabetes. These therapies are not yet approved by the
    Food and Drug Administration, so scientists need to test them in animal models of
    human disease before they can be safely and effectively applied in patients.
    These experiments often take a long time, because researchers have to test the
    cells in a lot of different ways before they find the right combination that will be safe
    and effective for people. Some of these tests are painful, because they have to
    examine each possible outcome in order to determine if the cells will help people.
    A major hurdle to bringing cell therapy to more people is the ability to develop a
    cancer-specific cell therapy that will attack tumors, persist in the body, and
    overcome the immune system’s tendency to reject the treatment. In addition, the
    development of a cell therapy that is scalable and cost-effective has been
    challenging.

    Acute Myeloid Leukemia Stem Cell Transplant
    The National Cancer Institute (NCI) is working to overcome these challenges through
    research on a variety of potential cell therapies for people with cancer. In particular,
    NCI-supported researchers are developing cell therapies for solid tumors that will
    selectively attack cancer cells and remain active in the body, even when a tumor has
    become resistant to conventional cancer medicines.
    One of the most promising types of cell therapies involves a new generation of
    engineered immune cells that target tumors. The cells are made in the laboratory
    and then injected into the body. They contain molecules that mark the cancer cells
    and prevent the immune system from recognizing them as harmful.
    Eventually, these specialized immune cells will be able to attack and destroy cancer.
    They could also be used to attack other immune-related diseases, such as
    autoimmune disorders.
    Some investigators are exploring how to grow large amounts of these specialized
    immune cells in the lab and then transplant them into a person. They are also
    investigating how to manipulate the resulting immune cells so they will more easily
    repair and regenerate certain kinds of cells in the body.
    Until these therapies are widely available, doctors are using existing cell therapies in
    blood and bone marrow transplants to treat people with cancer and other diseases

    that cause the immune system to reject the transplanted organs. They are also
    evaluating other potential cell therapies in regenerative medicine, including the use
    of stem cells and their derivatives to repair the cells and organs that have been
    damaged by disease or aging.

  • VAT deduction

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  • VAT deduction

    How does the VAT deduction work?

    The VAT deduction is one of the most common headaches for entrepreneurs and freelancers . Every three months, the VAT that we have collected through our sales of products or services must be presented to the Treasury through form 303. If during that period we have had expenses in which we have paid VAT, either for the purchase of products or the acquisition of services, we can subtract it from the total to be paid.

    However, this is not so simple since not all expenses are deductible, so we have to take into account the allowed operations, as well as the VAT percentage that we can deduct in some cases. We are going to see all this little by little with some examples so that you can understand it perfectly once and for all.

    Definitions of the different terms referring to VAT

    To better understand what we are going to explain next, it is essential that you first know the technical terms that are normally used in this area. Don’t worry because you will understand it easily. These are the three “VAT rates” that we want you to know before explaining how the VAT deduction works:

    • Output VAT : every time a freelancer or company sells their products or services, they include the corresponding VAT on their invoice (with exceptions). Every quarter we must pay all this VAT, denominated as passed on.
    • Supported VAT : it is the VAT you pay for the purchase of material or the acquisition of services. However, not all input VAT is directly deductible, as there is a clear regulation of what can and cannot be deducted.
    • Deductible VAT : it is the VAT that we can deduct from the total output VAT. This VAT comes from the expenses that you have had and that can be deducted according to the tax regulations.

    Therefore, the formula for the VAT to be paid each quarter could be something like:

    VAT TO PAY = VAT ACCOUNTED – VAT DEDUCTIBLE

    How is the deductible VAT calculated? Well, it is very simple, we just have to add the VAT of the expenses that are related to our professional activity. To do this, we must know what the deductible VAT requirements are.

    VAT deductible requirements

    According to current law, all expenses that are directly and exclusively related to professional activity are considered deductible VAT . That is, if you buy a phone that you will use exclusively for work, you can deduct it. However, if the phone is for personal use, you will not be able to deduct it.

    There are certain categories of products and services that are excluded from the VAT deduction:

    • Jewelry, precious stones or the like.
    • Food, tobacco and beverages.
    • Recreational services or shows.
    • Goods or services intended for clients, workers or third parties.
    • In addition, all expenses destined for the private sphere are excluded, those that are not part of the official accounting or professional patrimony.

    Here you have to make a small note regarding professionals who work from home. In this case, if part of personal expenses is considered deductible VAT but which are produced by business activity. For example, you can deduct up to 30% of the VAT on your supplies, since this expense is produced by the business activity you carry out at home.

  • Mortgage

    Apply for a second mortgage or extend the one you already have? Which is the best option?

    Requesting a second mortgage or extending the one you are already paying are two ways to finance different life projects or complex financial situations. Sometimes we use these two terms synonymously, but they really are totally different options with different goals.

    Next, we are going to tell you what the differences are between requesting an extension of the first mortgage or requesting a second one, so that you can choose the best financial decision for your pocket.

    When should we ask for a second mortgage?

    Applying for a second mortgage may seem strange or risky, but it is common for those who can afford it . When we talk about a second mortgage, it is because you are currently paying a first mortgage, mainly intended for a home considered as a first residence.

    Therefore, a second mortgage is a new loan that has nothing to do with your first mortgage and that has new conditions in terms of interest , terms or amount. This loan is used to buy a second home , usually they are houses on the beach or rural, which are used during vacations or weekends in order to escape a little from the stress of the city.

    If your financial health is good, it is not at all a bad idea to take out a second mortgage to buy a second home . Of course, you should know that the demands to be granted it are much higher. Surely you can only finance between 60 and 75% of the total cost, you will have shorter terms and higher interest rates.

    In short, it is not only an investment for your current use and enjoyment, but also a possible way to get a return on your savings in the near future.

    First mortgage extension When can it be requested?

    If you have financial problems, want to make a reform in your home or need money to open a business, then extending a mortgage may be a good option. To do this, we must obviously have a loan with the bank that corresponds to the purchase of your main home , where you usually reside.

    To extend the mortgage, you must tell the bank the purpose of this decision. This will study your possibilities and inform you if it is possible or not. The money that you will obtain will be added to the loan that you already have pending under the same conditions. However, you will not pay a higher installment, but you will have two installments, the usual one and the one for the mortgage extension.

    This financial operation is called novation and is a good option for those who want to clean up their economy. It is also possible to extend the terms of our mortgage in order to pay less each month and thus be able to be more comfortable.

    On some occasions, you can also request a mortgage extension to buy a second home . This usually happens for two reasons: either you have good savings but you have a little more time to buy this second home, or they do not grant us a second mortgage and we must go to the extension of the first one.

    Apply for a second mortgage or extend the loan of the first?

    To make the right decision, you must analyze your financial situation very well and study the most favorable option according to your objectives. Each case is a world, so both options can be valid for you. Our advice is that you study in depth the different existing routes and choose the one that best suits your needs. If you are still not able to solve doubts, then you can consult one of our experts which is the best option for you.