Healthy Lifestyle Newsletter

W my?l ustawy o podatku od towarów i us?ug podatnicy prowadz?cy dzia?alno?? gospodarcz?, dokonuj?c transakcji sprzeda?y zobowi?zani s? do udokumentowania jej za pomoc? faktury. Ponadto, zgodnie z przepisami podatkowymi, brak jest obowi?zku wystawiania faktur osobom fizycznym nieprowadz?cym dzia?alno?ci gospodarczej. Jednak?e, warto zauwa?y?, ?e na ??danie tych nabywców takie dowody przedsi?biorca jest obowi?zany wystawi?.

Faktura VAT stanowi dowód ksi?gowy, b?d?cy podstaw? do obliczenia wysoko?ci podatku, wynikaj?cego z zawartej transakcji. Istnieje wiele wariantów faktur, z którymi niemal?e na co dzie? mog? spotka? si? przedsi?biorcy. Przyk?adowo s? to faktury VAT, faktury VAT mar?a, czy faktury koryguj?ce, wystawiane w tradycyjnej papierowej formie, jak równie? w formie elektronicznej. Szczegó?owe uregulowanie kwestii dotycz?cych formy, jak równie? szczegó?owych zasad i warunków wystawiania tych dokumentów reguluje tre?? rozporz?dzenia Ministra Finansów w sprawie zwrotu podatku niektórym podatnikom, wystawiania faktur, sposobu ich przechowywania oraz listy towarów i us?ug, do których nie maj? zastosowania zwolnienia od podatku od towarów i us?ug. Jednak?e nieco inaczej przedstawia si? sprawa faktury pro-forma.

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Niekiedy nazwa mo?e by? myl?ca, przyk?adem tego jest faktura pro-forma, która w przeciwie?stwie do innych tego typu dokumentów, nie stanowi dowodu ksi?gowego. Cho? polskie przepisy podatkowe nie reguluj? kwestii zwi?zanych z tego typu dokumentami, faktury pro-forma s? co raz cz??ciej spotykane w obrocie gospodarczym.

Przede wszystkim faktura pro-forma stanowi swoistego rodzaju potwierdzenie z?o?enia oferty w rozumieniu kodeksu cywilnego, zgodnie z którym o?wiadczenie drugiej stronie woli zawarcia umowy stanowi ofert?, o ile okre?la istotne postanowienia tej umowy. Faktura pro-forma jest ch?tnie u?ywanym dokumentem potwierdzaj?cym zawarcie transakcji, poniewa? zawiera wszystkie istotne z punktu widzenia przedsi?biorcy i jego kontrahentów pozycje. W zasadzie niewiele ró?ni si? od standardowych faktur VAT, poniewa? zawiera takie informacje, jak dane i adresy stron transakcji, okre?lenie towaru lub us?ugi, ich charakteru lub ilo?ci oraz ceny netto. Ponadto na fakturze pro forma zwyk?o si? podawa? stawk? i kwot? podatku, kwot? brutto oraz termin zap?aty nale?no?ci. Podatnik powinien pami?ta?, ?e dokument ten powinien zosta? oznaczony, jako FAKTURA PRO-FORMA. Na jej podstawie odbiorca takiego dokumentu mo?e zap?aci? wystawcy za towar lub us?ug?. Nie stanowi ona jednak podstawy do zaksi?gowania powy?szych kwot.

Przedsi?biorca powinien zatem wiedzie?, ?e wystawienie faktury pro-forma nie powoduje ?adnych konsekwencji podatkowych, ani nie wymaga zaksi?gowania w odpowiednim rejestrze ksi?gowym. Ponadto nie zwalnia podatnika z obowi?zku wystawienia faktury na zasadach ogólnych, któr? co do zasady, wystawia si? najpó?niej do siódmego dnia od dnia dostawy towaru lub wykonania us?ugi.

Dominik M?drzycki, ksi?gowy Tax Care

Dla wielu osób zakup nieruchomo?ci mo?liwy jest jedynie z kredytem hipotecznym. Jednak na kredyt hipoteczny nie ka?dy mo?e sobie pozwoli?. Nawet…

Dla wielu osób zakup nieruchomo?ci mo?liwy jest jedynie z kredytem hipotecznym. Jednak na kredyt hipoteczny nie ka?dy mo?e sobie pozwoli?. Nawet je?li mo?e, to nie zawsze na tak? kwot? jaga go interesuje. Z czym jest to zwi?zane? Jakie s? warunki otrzymania kredytu hipotecznego? Oprócz tych podstawowych, które s? wspólne dla ka?dej instytucji, ka?dy bank ma swoje dodatkowe. Warunki takie dotycz? nie tylko dokumentacji ale równie? liczenia zdolno?ci kredytowej.

Najwa?niejszym warunkiem otrzymania kredytu hipotecznego to praca i sta?e zarobki. Ka?dy potencjalny kredytobiorca powinien by? zatrudniony na etacie, na umow? o prac? na czas nieokre?lony. W przeciwnym wypadku szanse na kredyt hipoteczny znacznie malej?. Je?li prowadzisz w?asn? dzia?alno?? gospodarcz? równie? mo?esz ubiega? si? o kredyt, ale warunki otrzymania kredytu hipotecznego s? znacznie bardziej restrykcyjne. Osoby planuj?ce za?o?enie firmy powinny powinny za?atwi? kredyt hipoteczny przed rezygnacj? ze sta?ej pracy. Niestety osoby, b?d?ce w?a?cicielami firmy s? mniej wiarygodne ni? pracownicy tych firm.

Warunki otrzymania kredytu hipotecznego spe?nia ten, kto odpowiednio du?o zarabia. Bank wi?c poprosi Ci? o za?wiadczenie o zarobkach. Dokument taki wystawia pracodawca. Nie tylko za?wiadcza wysoko?? zarobków ale równie? fakt, ?e jeste? zatrudniony. Przyniesienie takiego dokumentu nie wystarcza, dodatkowo banki dzwoni? do firm potwierdzaj?c zatrudnienie klienta.

Je?li jeste? m??czyzn? warunki otrzymania kredytu hipotecznego spe?niasz, je?li masz uregulowany stosunek do s?u?by wojskowej. Bank sprawdzi Twoj? histori? w BIK-u lub innych rejestrach. Wzi?te kredyty obni?aj? szans? na kredyt hipoteczny, niesp?acone kredyty i po?yczki lub zaleg?o?ci, praktycznie przekre?laj? Twoje zdolno?ci kredytowe.
Je?li my?lisz, ?e stare zaleg?o?ci po?yczkowe si? ukryj? to si? mylisz. Mechanizmy BIK dzia?aj? tak skutecznie, ?e pozwol? wygrzeba? bankom najbardziej skryte i czarne szczegó?y Twojego ?ycia.

Fasting is one of oldest and effective way of burning huge amounts of accumulated waste products in the body. Previously, people used to fast by drinking water only throughout the day. Experts say that fasting on juices, both vegetable and fruits is much gentler and beneficial in normalizing all body processes.

Juice fasting involves intake of juices diluted with water every hour or two from morning to night. Avoid taking solid foods or other kinds of liquids, especially canned juices if you are on juice fasting. The total juice intake in day should be about 7-9 glasses.

Vitamins, minerals, carbohydrates, iron, calcium and enzymes contained in these juices supply much need nutrients for body’s own healing activity and thereby speeding up the recovery process. While on juice fast, ensure that your bowels are flushed out regularly.

Juice fasting is known to have many advantages. It is the safest method to detox one’s body by cleansing and eliminating those cells and tissues, which are dead or damaged. It reduces the cholesterol levels; treats symptoms of allergies, acne, and headaches by flushing out toxins making one feel good and healthy.

Juice fasting can be done with almost any fruits or vegetables that are eaten raw. Best veggies for juice fasting are tomatoes, cucumbers, celery and carrots. A combination of apple and carrot juice or apple and tomato juice i. e. a combination of fruit and vegetable is healthy and nutritious drink. Huge variety of fruits and vegetables can be used in combination or separately gives the body its daily calories and enhances health.

First, peel the off skin from vegetables and fruits. Rinse in filtered water. After extracting the juice, dilute it with water in equal parts. Make sure that your juicer does a good job of extracting the juice. Consume the juice immediately after extraction. Before you start your juice fasting, consult your GP incase you your body does not agree with juice fasting. Foul breath, a coated tongue, and a bad taste in the mouth are said to be the first symptoms to appear when one fasts. These symptoms can be felt till your body has cleared out all waste.

In short, exclusive diet of juices of vegetables and fruits is an effective way to restore health from diseases, cleanse and regenerate tissues and rejuvenate the body.

Kevin Pederson
Kevin Pederson, webmaster for sites like http://www.home-remedies-for-you.com provides treatments for common illnesses and diseases.
Source: http://www.healthguidance.org/authors/246/Kevin-Pederson

Are you interested to have a raw food diet but don’t know how? Then here are some valuable tips and information on the advantages and disadvantages about having a raw food diet.

A raw food diet is a diet that is mainly composed of raw and living foods like fruits, vegetables, nuts and seeds. Raw food also are uncooked foods, unprocessed and sometimes organic foods. Uncooked foods mean that food is only heated or warned to a temperature that is less than 104 degrees to 115 degrees. While unprocessed foods mean that they have no preservatives and organic foods mean that they have not been touched by pesticides, herbicides and insecticides. If a large part of your diet is 75-100% raw of your total consumption then you can already be considered a raw foodist.

The three types of raw foodist are one, the living foodist which eats a diet that is made of plant food in their active forms such as sprouted nuts and seeds. Second type is called Juicarians who have a diet that is made up of entirely juices and third is the raw foodist who are not vegetarians. These third type eats raw meat and unpasteurized milk.

One important tip about starting a raw food diet is that you must start slowly and simple. Having a raw food diet would be like detoxifying your body so there will be side effects. So it is important to start slowly. One way to do this is to have more raw meals per day and then have one or more meals with a raw main dish and a small cooked side dish. Another way to do this is to have raw organic superfoods on your diet.

Raw organic superfoods are foods that are high in phytonutrient content, dietary fiber, antioxidants, vitamin C, manganese and anthocyanins. They are also great because they are foods that combined nutrition and taste.

So if you are really serious about your health and having a raw food diet. A nice way to make things easy is raw organic superfoods. Have a healthy life. Chow!

Because all of us have been brought up eating junk food, well most of us, it is not easy to change our eating habits. Your eating habits have developed since childhood based on what your mothers or fathers cooked and what your psychological make-up was during that time.

The foods you eat and crave help keep pass trauma and present anxiety in check. Food helps make you feel good when you start to feel bad. Eating is a natural defense mechanism that the brain-body uses to keep you from going crazy.

So, you see, it is very difficult to change our eating habits. When we do, we start to feel bad. We start to feel uncomfortable, we feel pain, we have withdrawal symptoms, and we may feel sick. Is it any wonder that any of us ever succeed in changing our eating habits?

I consider every thing that has been packaged to be junk food. There are a few exception and you need to read ingredient labels carefully. Very few food manufacturers and even restaurants prepare food with your health in mind. Of course, they want to satisfy you, but they don’t use foods that are in your best interest.

Most people eat junk food 85% of the time and then eat good food the other 15%. It should be the reverse of this - eat good food 85% and junk food 15% of the time.

To have better health, here are some foods to stop eating. Eliminate these foods over the next two to three weeks.

Milk (non-fat or no-fat also) - is a mucus and acid forming food. Milk creates mucus in the body and makes the lymph liquid (we will talk about lymph later) in your body acidic, which attracts parasites and other pathogens. (In the place of milk almond milk or goats milk)

Cancer thrives in a body that is acidic.

Bread - white bread is also acid and mucus forming. It is also more difficult to pass through the colon and gives rise to constipation.

Sugar the #1 food additive. Sugar is in most of all the products that you buy. Sugar, also, depletes your B-vitamins and calcium and magnesium from your bones and teeth.

Sodas (regular or diet)- are extremely high in sugar or artificial sugar - 7 teaspoons per can. Most people drink over 35 gallons per year. Sugar is a body poison and leads to many disease - diabetes, obesity, tooth decay and osteoarthritis and so on.

In addition, since sodas are in aluminum cans, aluminum can go into the soda because most sodas contain phosphoric acid. Aluminum has been associated with senility and Alzheimer disease. Calcium is also leached from your body to neutralize the phosphoric acid. (Its healthier to drink juices of all kinds)

There is just no way around it. Sodas suck health right out of your body.

Regular salt (NaCl) - excessive salt intake is related to high blood pressure, edema, and imbalances in the minerals in your lymph liquid. Sodium, Na, in salt attracts water so the more sodium you eat that more water your body will hold. (Use sea salt, it has 25% less sodium, use low salt soy sauce, and herbs to flavor your food)

Most people eat too much salt - over 10,000 milligrams per day. We only need around 200-300 mg per day.

Excess salt is also in involved with kidney problems, cardiovascular disease, stomach cancer, and excess sensitive to stress.

Get your Sodium from eating vegetables that are high in sodium. When you get your salt from vegetables it is organic salt, which does not have the same effect in your body as inorganic salt from a shaker. You need a lot of organic salt or Na in your body. Your stomach is a Na organ. It needs organic salt, Na, to keep its lining from being eaten by the hydrochloric acid in your stomach - an ulcer.

Foods high in organic sodium are apples, apricots, asparagus, greens, red cabbage, carrots, celery, dulse, egg yolks, figs, fish, raisins, prunes, and lentils.

For the next two weeks try adding the following foods to your eating habits.

Lecithin - is 30-40% choline, which is used throughout your body. This is why you want to include it in your diet.

• choline is one of the main chemicals in our cell membrane.
• It is used in our brains to create the neurotransmitter acytlcholine, which is required for thinking and memory. Consider lecithin brain food.
• It is used by the liver, which helps to prevent a fatty liver. A fatty liver prevents you from losing weight around your belly.
• it helps to break up fats into tiny goblets so that they are easily digestible and will reduce your cholesterol.
• it helps to keep cholesterol from clinging to your artery walls.

Flax Seed Oil - is an essential oil, omega 3
This means your body does not make it and it is necessary for you to eat it so that you can live without illness or pain.

• it helps to detoxify the liver
• it stimulates the production of bile. Remember that bile helps to breakdown fat so that the liver can better metabolize it.
• stimulates the body to burn fat.

Apple Juice and Apples - are high in vitamin A, in Potassium and have other minerals that strengthen the blood. They contain malic and tartaric acids, which keep the liver healthy and promote good digestion. Apples help you to lose weight by providing fiber and keeping you regular.

Fiber - you need 30-35 grams of fiber every day. Most people only get up to 10-15 grams. Fiber is one foods that reduce your transient time in the colon. Fiber helps to keep your colon clean, reduce cholesterol, remove toxins from your body and eliminate constipation.

There you have it. If you can accomplish these changes in one year, you will notice a big difference in the way you feel and the health that you have.
Source: http://www.healthguidance.org/authors/42/Rudy-Silva

Rudy Silva
Rudy Silva, BA Physics, Natural Nutritionist. He is the author of constipation, acne, hemorrhoid, and fatty acid ebooks. He writes a newsletter call http://www.betternaturalremedies.com. ?