The Covid-19 situation and the ongoing health, economic and general well-being for individuals, families and businesses alike, continue to dominate both the UK and the World scene, and is likely to continue to do so for some time to come. Please take a look at our paylesstax newsletter, as this edition strives to tackle, amongst other things, some of the tax issues and cash flow fears which have reared their ugly heads due to this pandemic. At ESP Business Solutions we are always in search of ways to help and inform our clients and our wider community. In this edition of the paylesstax newsletter, we look at the variety of tax options open to corporate firms who make losses, as well as revealing how businesses can take steps to look forward to navigate their way out of this pandemic. To some extent, moving away from the Covid-19 situation, we reveal why it is so important to take advice before purchasing a second residential property in another part of the UK to where you are situated. We also cover off the tax impact of purchasing land on which to build your own home. Over the coming months if one of the articles impacts immediately on your plans then please call us, we will be more than happy to receive your call and help you! We’re really looking forward to hearing from you.   Wayne

click here to find out how to pay less tax

ESP Business Solutions | 87b Westgate | Grantham | NG31 6LE01476 862 172 | sayhello@espbiz.co.uk | www.espbiz.co.uk

Fay Johnson says…

Tel: 01400 281128. or 07944903984

Rigger Mortiss asks…..

With Westgate Club being totally burned out, will the council move on with the great plan they adopted (above) in 2007??

There’s little now standing in its way.

Brown shading shows Market Place top left, Greyfriars (bottom left to right) & Westgate (top left to right)

Reanne King says…

MISSING!! From Sandringham Drive, Alma Park.
REWARD FOR HIS SAFE RETURN
My cat Loki hasn’t been home since early Monday morning (21.9) which is very unlike him.

Can you please check sheds, garages, gardens etc around Sandringham Drive, Scotney Drive and Kenilworth road area.

I think someone may of taken him or feeding him so please keep an eye out.

He is neutered and chipped and is wearing a blue collar. I am absolutely heart broken and just want him home with me

If you see him please message/ text/ring me 07454313099 or Sammy King on 07484702764

Thankyou!

Dr-Keith Copeland says…

7.15 this morning this idiot is driving along the pedestrian walkway through the closed Barrowby road bridge.

He said he had made a mistake.

He had to drive through lots of road closed signs and move barriers to get to this point.

He said he was from another town.

On Thursday, Rishi Sunak unveiled a range of measures (Winter Economy Plan) to stave off the threat of mass unemployment, including a new Job Support Scheme which will contribute to some workers’ wages from November. These include a new Job Support Scheme to cover up to 22% of worker pay for six months, extensions to the current Self-Employment Income Support Scheme and loan schemes, VAT and self assessment deferrals, and a continuation of the reduced VAT rate for the hospitality and tourism sectors. Job Support SchemeStarting from November, the government’s new Job Support Scheme will cover up to 22% of pay for workers in “viable” jobs for the next six months. The scheme will replace the current Coronavirus Job Retention Scheme due to end on the 31 October. Sunak told MPs the scheme will give businesses that face depressed winter demand the option of keeping employees in a job on shorter hours rather than making them redundant. Click here for full details   https://www.gov.uk/government/publications/job-support-scheme Subject to the detailed rules applying, anyone employed as of yesterday (23 September 2020) is eligible, and all small and medium-sized businesses can apply, although larger businesses can only use the scheme if their turnover has fallen during the pandemic. Employers do not have to have used the furlough scheme previously.  He also clarified that employers retaining furloughed staff on shorter hours can claim both the Job Support Scheme and the Job Retention Bonus, which will be available in February next year. Self Employment Income Support Scheme (SEISS) The Self-Employment Income Support Scheme will also be extended from November 2020 to April 2021.  The extension will be in the form of two taxable grants. The first grant covers businesses affected after 1 November 2020, covering 20% of average monthly trading profits, paid out in a single instalment covering three months’ worth of profits and capped at £1,875. More details on the second grant will follow. Full details available here https://www.gov.uk/government/publications/self-employment-income-support-scheme-seiss-grant-extension VAT & Self Assessment deferral To support struggling businesses with cashflow, the Chancellor announced that he will give businesses that deferred VAT due in March to June 2020 the option to spread their payments in 11 equal, interest-free instalments over the financial year 2021/22, rather than pay in full at the end of March 2021. All businesses that took advantage of the VAT deferral can use the new payment scheme. Businesses will need to opt-in, but all are eligible. The government will also give the self-employed and other self assessment taxpayers more time to pay taxes due in January 2021, building on the self assessment deferral provided in July 2020. Taxpayers with up to £30,000 of self assessment liabilities due will be able to use HMRC’s self-service Time to Pay facility to secure a plan to pay over an additional 12 months.  Any self assessment taxpayer not able to pay their tax bill on time, including those who cannot use the online service, can continue to use HMRC’s Time to Pay self assessment helpline to agree a payment plan. The Chancellor also announced that the extension of the temporary VAT reduced rate of 5% for hospitality and tourism will now run until 31 March 2021.Loan extensions Sunak announced that the deadline for new applications to the government’s state-backed loan schemes will be extended until 30 November 2020, and the government is starting work on a new guarantee loan programme to begin in January. He also premiered a “pay as you grow” initiative to help companies repay state-backed business loans. The government will give all businesses that borrowed under the Bounce Back Loan Scheme the option to repay their loan over a period of up to ten years, reducing their average monthly repayments on the loan by almost half.  UK businesses will also have the option to move temporarily to interest-only payments for periods of up to six months (an option which they can use up to three times), or to pause their repayments entirely for up to six months (an option they can use once and only after having made six payments).  The government will also allow Coronavirus Business Interruption Loan Scheme lenders to extend the term of a loan up to ten years.Full details on the Winter Econmy Plan can be found on the HMRC wesbite   https://www.gov.uk/government/publications/winter-economy-plan

We are here to support you. So please contact us if you have any questions – email us on sayhello@espbiz.co.uk or call on 01476 862 172. Keep safe Wayne

THIS SUMMARY IS CORRECT AS AT FRIDAY 25th SEPTEMBER. IT IS SUBJECT TO CHANGE AT SHORT NOTICE AS THE GOVERNMENT RELEASES FURTHER UPDATES.

ESP Business Solutions | 87b Westgate | Grantham | NG31 6LE01476 862 172 | sayhello@espbiz.co.uk | www.espbiz.co.uk

September 26^th is the UK’s most popular birthday, with 2000 births due to happen thanks to Boxing day sex!

• Data analysed from the UK government live births database reveals the most popular day for babies to be born is the 26^th September, meaning parents conceived the most children on Boxing day!
• The whole of September is by far the busiest month for new births as Parents make the most of their Christmas break!

It would appear that last Christmas many Brits gave away much more than their hearts, and certainly many did more than just kiss under the mistletoe.

Although last Christmas might feel a distant memory to many, for thousands of Brits the actions of last Christmas are about to become very real.

September the 26^th has been revealed as the most popular day for babies to be born according to UK government data¹ analysed by thortful.com

The 26^th September will see on average 2000 babies being born as the reality of Boxing day sex kick in for new parents.

Image source: https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/livebirths/bulletins/birthsummarytablesenglandandwales/2015-07-15

September as a whole sees the most babies being born whilst the least number of babies are born on the 25^th and 26^th of December (probably as parents are too busy making new ones )

To celebrate the UK’s most popular birthday thortful.com, have created tongue and cheek birthday cards for those who celebrate the 26^th as their special day

Andy Pearce Co-founder and CEO at thortful.com comments “This data would appear to suggest that the UK had a very merry Christmas indeed last year! At thortful we celebrate all birthdays and are delighted to offer unique cards to those celebrating the most popular UK birthday!”

The full card collection can be seen: https://www.thortful.com/the-most-popular-birthday

Al says…

As from tonight, the pubs (those that are left) have to call last orders before 10pm.

Nothing new there then!

When I began my teenage boozing, in the 1950s, all town pubs shut at 10pm yet country pubs had an extra hour for some reason.

This of course meant we had to start at 7pm for a decent session on mild or best bitter.

Then along came a fairy godfather in Whitehall who extended it to 10.30pm (11 on Friday and Sat but 10 on Sunday). This gave us all an extra half hour or so to get ready.

So why the fuss now. Instead of going out at 11pm for a session of shots all today’s youngsters have to do is put down their mbiles a bit earlier. Sorted!

Diane Newberry says…

Set of keys found outside the Kings School, they were handed in to the school’s estates office.

• Canine Cottages conducts research using heart rate tracking collars to reveal how much dogs really love their owners
• A dog’s heart rate increases by 46% when their owner says ‘I love you’, but decreases by 26% when snuggled
• Experts reveal how dogs showcase their affection to humans

New research¹ by dog-friendly holiday specialist Canine Cottages reveals how much dogs really love their owners, and how they show it.

Using special heart rate tracking collars on four different pooches, Canine Cottages discovered how dogs’ heart rates are affected when their owners cuddle and tell them they love them, as well as revealing five unique ways in which dogs tell you they love you.

Combining the heart rate tracking data from the four dogs over seven days, their average heart rate was 67bpm. However, when their owners told their four-legged friends they loved them, their heart rate jumped by a huge 46% to 98bpm, which shows how excited and happy they were when told they were loved. Cute, right?

In comparison, when having cuddles with their owner, the average heart rate decreased by 23% from 67bpm to 52bpm, showing how relaxed and comfortable they were when getting affection from their owners.

A full breakdown of the results can be found below:

	Dogs	Average heart rate over 7 days (beats per minute)	Average heart rate during I love you	Average heart rate during cuddles	I love you difference from resting heart rate	Cuddle differencefrom resting heart rate
	1	59	78	43.4	32.5%	-26.4%
	2	67	91	55	35.5%	-17.9%
	3	66	106	47.3	60.6%	-28.3%
	4	75	117	61.3	56.39%	-18.26%
	Avg	67	98	52	46%	-22%

Canine Cottages also tracked the owners’ heart rates to see how much this compares with that of their pet, and discovered their heart rate increased by 10% on average when they saw their dog after being away from them for a period of time. Although not as excitable as our pets, this still indicates how much we truly love our pooches.

But it’s not just heart rate that tells us how much our dogs love us. In fact, they have many ways of showing their affection. Below, Veterinarian Dr Heather Venkat, head veterinary nurse Carolanne on behalf of Only Pets Cover and accredited dog trainer Joe Nutkins have pulled together five ways in which dogs showcase their affection: 

1. Cuddles: If your dog curls up next to you, on your lap or at your feet, he/she is saying they want to be as close to you as possible. Dogs will only cuddle in and lean on people they feel comfortable with, so it’s a sure sign of love.
2. Greetings: When you greet your dog, they will likely wave their tail back and forth, jump and wiggle because they love you and are happy to see you
3. Generosity: Bringing you a toy is another way dogs show their love for you. Yes, they want to play, but they also trust you with their favourite thing and know that you will have fun with them.
4. Belly up: If a dog shows his belly to you, or sleeps on his back with his chest up, that’s a sign of perfect trust and love. It’s a vulnerable position for dogs because they are completely exposed and at the mercy of anyone who comes across them.
5. Coming to see you when they’re in pain: When our dogs come to us holding a paw up, or they feel a little under the weather so come and lie next to us with their head on our lap, it shows a great level of trust. 

So, if your dog has done any of these things, it’s a sure sign that they’re telling you they love you!

Commenting on the research, Shannon Keary, Campaigns Manager at Canine Cottages, says: “In the UK we are a nation of dog lovers, but although we know how much we love our pets, we’ve never really known if, or how, our dogs show their affection for us, which is why we conducted this research.

“It’s amazing to see that our dogs’ heart rates increase when they are told they are loved, showing excitement, and decreases when having cuddles, showing contentedness. It’s also interesting to see all the weird and wonderful ways our pets show their love for us. From this data, we can now officially say that our dogs really do love us!”

To find out more about the data or for further insight from the pet experts on how dogs indicate they love their owner, please visit: https://www.caninecottages.co.uk/doggy-devotion

As globalisation took the world by a storm by bringing the world together and diminishing all physical boundaries, it also had a far-reaching impact on the lifestyles of individuals. With the transition to a globalised world, the big companies from each continent started to venture out and establish bases in new countries and continents, giving a boost to employment and employability skills. Since there was major employment generation across sectors amongst all developing and developed nations, this gave rise to intense competition in the workforce. This, along with recent digitization of all operations, was the basis for the chief revolution in lifestyle change. Individuals started working round the clock and having intense work pressure. Also, the concept of work from home increased the workload and spoilt the work-life balance of individuals. People constantly worked towards learning new skills to help themself professionally, even while they were off working hours.

Rise In Heart Diseases

While everyone is doing so much for their professional growth, this leaves them with fewer and fewer hours every day to focus on their personal lives and focus on their physical and mental health. Research conducted by Cleveland Clinic (2019) indicates how poor lifestyle choices are causing more and more proportion of the younger demographic, 20-45 age groups, to face a rise in heart diseases. Due to the shortage of time that these individuals face on a daily basis, they resort to taking shortcuts when it comes to food, and so healthy eating goes out of the window. While they are always engaged in the rat race of becoming successful, they leave out no time for physical workouts as they are engaged in work all the time. Hence, all of the poor lifestyle choices in the fast-paced world are severely affecting the physical health of the younger demographic globally.

Negative Impact On Mental Health

Such an evolved and complicated lifestyle, as opposed to the simpler lifestyle of the older times, is even proving to be a challenge for the mental health of individuals. The modern lifestyle induces different types of stress and anxiety issues amongst individuals that could be induced due to one’s social surroundings, status needs, social acceptance issues, etc. The NHS states that anxiety-related problems are commonly found in the 35-59 age group in the UK. Still, a common observation in today’s time indicates that some individuals in everyone’s social circle face anxiety issues, and they go down to people as young as in their teens.

A High Spike In Anxiety-Related Disorders 

As such, the world was dealing with identifying, addressing, and accepting mental health issues, and then the pandemic arrived, making things even worse. The way the epidemic changed the world, with everything shutting, no travel, people stuck in different parts of the world, all individuals struggling owing to various issues such as losing their jobs or salary cuts, universities shutting and the undying scare in people’s minds regarding adverse effects of the virus on the individuals and their loved ones led to a very high spike in anxiety-related issues. The world had not experienced such a scenario in over a century, and so individuals got the worst of it.

Nevertheless, since some lifestyle choices made by the individuals and some of them imposed on them, have proven to be fatal for their mental health in more ways than known. While the world is so caught up battling the virus, the focus on other mental and physical health issues have diminished. However, the world has been dealing with physical problems exceptionally ever since the beginning of time, and mental health has not always received the best of it. Anxiety and panic attacks are emerging to be big mental health problems that need attention and awareness to be spread regarding the different ways in which they can be treated.

Preventing Consequences Of The Ever-Evolving Lifestyle

The mind organisation talks about the various ways in which issues related to anxiety can be treated and resolved that entail reading certain books, working on a specific type of worksheet, online courses that can be taken, taking different kinds of professional therapies, medications such as antidepressants and more.

Thus, this suggests that there are numerous ways of tackling anxiety-related issues. However, one of the treatments that has been gaining popularity in recent times is CBD products. Before talking about adopting CBD products in one’s lifestyle, it is essential to discuss what exactly CBD means and how medical cannabis actually proves to be beneficial.

CBD oil is one of the chemical compounds of cannabis; it stands for cannabinoids and is proven to be medically beneficial in treating different illnesses. CBD products are not only used to treat mental health issues but other health problems as well, such as extreme forms of seizures, as suggested by the doctors at the Harvard Medical School. But, since CBD has been recently discovered as a successful compound for treating numerous problems, there is still extensive medical research in a process to see the positive and negative effects of consuming this compound.

The research conducted by the Medical Cannabis Network suggests that CBD products were found to be more effective in treating anxiety-related issues as compared to the anti-anxiety medicines. It also throws light on how the costly nature of other treatments for anxiety-related problems forces individuals to turn away from them and adopt CBD products. Although this research also clarifies why previously CBD products were not used for certain medical uses, they were considered very safe for the human brain owing to some other chemical compounds of cannabis that could have adverse effects on the human body. It was only recently, as a result of extensive research, that the CBD oil emerged as a widely acceptable and effective treatment for anxiety-related issues.

Final Thoughts

Therefore, it can be said that the happenings in the world deeply change and affect the lifestyles that people live in. These lifestyles are now evolving faster than ever, as everything surrounding humankind is very fast-paced. Whenever new trends come into existence, they influence the lifestyle that people live. In recent times, climate change and animal cruelty are shifting people to lead a more vegan-friendly lifestyle. Eventually, when the world comes out of the pandemic, everyone will adapt to a very different lifestyle. But every change in the lifestyle does impact the mental and physical health of individuals.

From Ian Parker

The footpath outside Somerby Hill service station (car on left is exiting, not parked)

Pati Dlugosz says…

Hi there, I am messaging on behalf of my parents who live in Grantham (I have moved out to Sheffield now)

Their 5 year old cocker spaniel fell very ill at the beginning of this month and we are unsure of the cause.

He has been at a diagnostic centre in Cambridge for a long time now and we have set up a fundraising page to help raise money for the rest of his treatment.

We have ran out of pet insurance and our own money, so we are turning to the people and the community.

Here is the link to his Go Fund Me page where you can read his story in more detail. Thank you so much and we would really appreciate the help of spreading the word out there.

https://www.gofundme.com/f/help-to-save-rusty?utm_medium=copy_link&utm_source=customer&utm_campaign=p_na+share-sheet&rcid=5086353694c141f4badb951a0d447e7f

U16/U15 Girls – Players Wanted If you are either year 10 or 11 and would like to join our U16 Girls team please get in touch.

They are a mix of U15 and U16 girls, play in the Notts Girls League on Sunday mornings and train at Grantham Meres 3G on Tuesday evenings.

Please contact Ben Cullen on 07971 874136, Botteford FC.

This marmot meme says everything. 😂 Do you ever want to hike to the mountains and scream at the top of your lungs? Shared from @walkofftheearth . . . #marmot #thisisfine #coronamemes #marmotscream #2020iscancelled #allthefeels

Posted by We Are Wildness on Monday, 4 May 2020

Dean Baker says…

Just how safe are our schools in the pandemic?

As a family we’ve been very careful over the past six months.  Hardly going anywhere, wiping our shopping down, avoiding crowded places,  working from home,  and we’ve been in good health. 

However,  my children have recently returned to school,  which we are told is safe to do so but the other day my son developed a cold.

I now have this cold. I have also learned that quite a few schools in the local area have many children staying home with  colds.

Surely the spread of Covid19 isn’t that different from the common cold and therefore I am concerned that should the school get a case of this then it won’t be long before it spreads like wildfire.

How can we be told schools are doing enough to keep us safe when it’s quite clear they cannot prevent the spread of viruses. 

Matt Wainwright says…

With my business Four Seasons Future Planning Ltd based on Withambrook Park, Grantham, I was aware the area has no Defibrillator and with the amount of workers I wanted to fundraise with other business to be able to offer a defibrillator for the area.

I am pleased to say we have now raised £1395.00 to buy a new Defibrillator for Withambrook Park, Grantham

The business who have donated are as follows: –

• 24/7 Clothing
• RTH Motoring Services
• JRL Brickwork LTD
• ARRAQUIP LTD
• Four Seasons Future Planning
• Manthorpe Furniture ltd
• R C Setchfield Ltd
• Malley Floors Designs
• Securafen ltd
• Gilder Grids
• Dolly Wears
• Rackham Housefloors Ltd
• Dan Warrington – Electrician (Installing for Free of Charge)
• Personal Donations from – David Lee, Jean Weir, Peter Stephens 

London Hearts Charity have also donated and are supplying the Equipment and training for the above companies – Once the Equipment is delivered and Installed this will be located centrally on the Corner of Unit 1a Withabrook Park.

We have had a great response from the businesses above who want to look at creating a community social media page to assist each other should a medical emergency occur or crime on the estate.