July 2020


Regulations applicable to buildings constructed since 1986. The old building stock is not subject to any obligation; a risk against which condominiums must protect themselves. 

Recommended equipment

Fire safety in collective housing is a recurring issue, which resurfaces with each human tragedy brought to the fore. It must be said that the old stock, that is to say the majority of the buildings, escapes any regulation in the matter. And for good reason it is recent, and of non-retroactive application; in other words, it only concerns constructions built after its entry into force. In 1970, a first text relating to the protection of residential buildings against fire was published, which is still little developed. But it will take almost two decades for a real device to be put in place.

The Right Installation Options

Still in force today, it imposes on buildings, with a gradation according to the number of floors, not only construction rules, but also safety equipment in the common areas, with an obligation of maintenance. Because preventing the risk of fire is essential. And this applies to new buildings as well as to old ones. They also have every interest in adopting an ad hoc policy, even when the configuration of the premises does not allow the regulations applicable to new construction to be transposed. A policy that concerns both common areas and housing: fires usually have a private origin. It is therefore up to the occupants of the building to get involved, if only by providing themselves with a suitable extinguisher and fitted with smoke detectors. A bill intended to make the latter compulsory in private areas is in this regard under discussion in Parliament. The dry riser installation happens to be essential there.

Four families of buildings

The current regulations on fire safety, based on a decree of January 31, 1986 (OJ of March 5), impose on the owners of buildings that have been the subject of a building permit application after March 6, 1986 a certain number of information and maintenance obligations. As for the construction rules aimed at ensuring fire safety, they apply to all construction projects which have been the subject of a declaration of completion of work after January 1, 1988, regardless of the date of filing of the application for a building permit. In other words, all recent and new constructions are supposed to be covered by this regulation. Agents of technical equipment centers, which are decentralized departments of the ministry, will carry out a posteriori control within two years of construction.

The requirements set are not identical in all buildings, classified by families according to their height: single-family house and buildings whose height does not exceed eight meters: first family beyond eight meters and up to three floors: second family; less than or greater than twenty-eight meters in height, i.e. seven floors, third and fourth families. Beyond fifty meters in height, specific regulations apply.

Basic equipment

From the design of the building, the project manager must integrate a certain number of protective devices or equipment. First of all, it must provide for the “enclosure” of the stairwell, in other words protection on each floor provided by a landing door, intended to prevent the spread of smoke. Only constructions of less than eight meters escape this obligation.


Are you tired of trying to make money at day trading and you just keep losing? It can get discouraging at times. To start with there are the noisy charts meant to control your emotions. But there is a new and better way – that will increase your ability to start trading and doing well. This new way cancels out all the noise and simply encourages when to buy and when to sell and does it unemotionally.

Machine trading

This is a system of trading that offers you the opportunity of being the best you can be. It offers you three things:

  • Great algorithms;
  • Community that is great;
  • Content that is triple A class.

And you can find all three with a new and novel software system for machine trading.


This is not complicated tools for trading. These algorithms are simple, scanning the markets in real-time. It will let you know when to buy or sell by a forex signal service that produces signals based on your history and information about trades that are available sent right to you text or email. These daily signals make trading simple and most users can see a rate of success that is up to 8 times that of most average traders.


When you join this trading community you will find yourself right at home. There are over 2800 members who are active and who are interested and are inside their chat room each and every day. They support each other – and inform you more on the success that they might have had.


The content you will find will also help with the goal of making trading more profitable for everyone who uses this software for machine trading. This is just another reason why this auto trading system will often times get you from zero to trading profitably in one day.

So, if you are tired of losing your money – you might want to try this software for machine trading to see if it might turn you around with your trades.

Taxes that are proportional to the price of the sale made or services rendered are considered incidents on sales, even if the respective amount is included in the calculation basis, such as the ICMS (tax on the circulation of goods and provision of transport services) interstate and intercity and communications), ISS (service tax of any kind), IE (export tax) etc. The importance of the sales tax calculator is immense there.

Sales incidents are also included:

Cofins – Contribution to Social Security Financing, including sales of products subject to the single-phase contribution;

The contribution to the PIS – Social Integration Program, including sales of products subject to the single-phase impact of the contribution; and

Fees that is proportional to the sale price.


  • As incidents on sales, ICMS paid as a substitute taxpayer and PIS and Cofins paid as a substitute taxpayer in the sale of cigarettes and vehicles are not included;
  • Equally, contributions to PIS and Cofins calculated on revenues that do not include gross sales revenue are not included;
  • The amount to be considered as ICMS corresponds to the result of applying the rates on sales revenue subject to this tax, and not to the amount collected during the respective calculation period by the legal entity.

Taxes have a direct influence on retail trade costs. Therefore, good tax planning can be decisive for the viability of the business.

On the other hand, the lack of care with taxes can jeopardize the chances of a trade being profitable, however promising it may be. It is not by chance that 22.3% of establishments close their doors before completing two years of activity, according to a survey by the Brazilian Institute of Geography and Statistics (IBGE).

Do you know how much trade pays tax? How much can you save with good tax planning and the recovery of tax credits? Below you will find useful information on taxes charged from the trade and tips to avoid unnecessary expenses.

Meet the Tax Study conducted 

The management carried out a tax study showing which sectors paid the most taxes between 2013 and 2019 and how much it was possible to recover in taxes in each of them.

According to the survey, which works with Real Profit and Presumed Profit companies, served around 377 commercial customers in general during this period, obtaining an average amount of R $ 449,158.89 in tax recovery. The total amount of credits recovered in that period was R $ 169,332,901.74. 

E-Fiscal, which works with Simples Nacional companies, served approximately 293 commercial customers in general between 2013 and 2019 and obtained an average tax recovery amount of R $ 20,412.33. The total amount of recovered credits was R $ 5,980,813.05.

Understand the importance of tax planning

Tax planning aims to reduce the number of taxes paid by companies. It involves managing a company’s tax payments, as well as conducting a study to analyze the entire administrative area of ​​the business. 

Although it seems like a simple task, carrying out good tax planning is a very extensive and complex task, since all the company’s financial data must be taken into account.

Getting loans for a business – especially, for budding businesses – is a tricky affair. Most lenders usually use technology based evaluations for approval or rejection. Both the cases are dangerous pits. Human intervention and inspection is very necessary when it comes to loaning money. Besides, most lenders take a long time before deciding whether or not to finance a budding business. And in all reality, it’s small and mid-sized businesses that need financing more than the established brands.

So, if yours is a small business in the need of capital investment in a short span of time, it’s investment firms like Accord Financial that you should approach. The reasons that make this firm one of the most trusted capital investor are given below. Have a look!

  1. They are Easy to Approach

You don’t have to wait for weeks to get an appointment. You can simply call them and place your queries. Their finance agents will be available for help at all times.

  1. They Understand Emergencies

Business can conjure opportunities at any time of the year. It means, it’s quite likely that you might end up needing an investment quickly. This is where Accord Financial comes to help. They can:

  • Check your eligibility within a day (even 8 hours) and approve an emergency loan.
  • They have financial experts to review your loan application. In other words, they don’t leave such important tasks at the hands of computers only.

Once your application is accepted, this firm can lend you credit in the following ways.

  • Asset-based lending
  • Accounts receivable financing
  • Retail inventory financing
  • Equipment financing
  • Supply chain finance
  • Small business loans
  1. They Pay Out Quickly

You won’t have to wait for weeks before the approved loan appears in your account. An Accord finance loan just doesn’t work this way. These people actually work to simplify the procedure for you.

If you’re a small business making about 100,000 USD per annum, Accord Financial will easily sponsor you for about 75,000 USD. Besides, they offer flexibility.

  • It’s not necessary that you have to apply for a loan of 75,000 USD. It can easily vary between 5000 USD – 75,000 USD.
  • The term can be settled anywhere between 3 – 18 months. It depends on you.

You can also apply for another loan. But, the thing that you might be wondering is, how? If yes, the answers are listed below.

  • In order to apply for a new loan, your previous loan should be 50% repaid.
  • Once the next loan is released, the previous loan is repaid in full. And the balance is counted as the new loan.

All in all, it’s an amazing feeling to get finances for your business on an urgent basis. But what’s more amazing is that elite firms like Accord Financial do provide such services to small and mid-sized businesses, giving them a chance to grow.

The global COVID pandemic has changed our idea of essential things. Things like toilet paper, sanitizers, and face shields have made it to the top of our daily essential needs now. Various companies are working towards producing and providing frontline workers and common people with all the important equipment needed to keep ourselves protected from the virus. Lately, the 3D printing community has proved to be a crucial part of this global crisis, by providing us with quality face shields for protection. Many people have found it to be more helpful than masks for varied reasons. But there are many people who are making their own face shields and trying to start a business of their own. Well, here are some of the reasons why home-made face shields are not ideal:

  • No guidance used- Many manufacturers have repurposed their 3D printers to provide proper medical equipment like face shields for hospitals and frontline workers. Many are not even taking any profits in return. However, these face shields are made with the guidance of medical experts followed by rigorous testing and then produced in bulk. On the contrary, home-made shields are made with zero guidance and hence cannot be considered eligible/safe for use. 
  • Precautions and cleanliness- Manufacturers and companies producing these face shields have been in the industry for a long time. They have proper resources and materials to produce a well-tested visor made with precautionary measures and care. Most of the home-made face shields may not be made using necessary care. During this time of global crisis, where prevention is of utmost importance, it can be very risky to go for DIY face shields.
  • Improper measurements and design- As said above, medical face shields require proper guidance while making. It needs to be designed in such a way that the measurements are accurate and suitable for all. Improper design and unplanned production of face shields can cause a lot of problems for those who will be using them. When you opt to use home-made or DIY face shields, chances of them being either too loose or too tight are high. Also, the materials used in their making may not be ideal for hospital use, etc.

In this regard, purchasing the right face shield has become easy since companies like Lezar 3D face shields sell their 3D printed face shields online for your personal use.

Applying for personal loans online is an excellent alternative to receive a certain amount of money quickly. In USA, this financial service became a solution for many people when they have to face debts, financial crises or make investments or business restructuring.

The online personal loans are in high demand during quarantine to overcome the economic difficulties facing the country as a result of the global outbreak of COVID-19. In a social context where work activities cannot be carried out normally, generating income is a daily challenge as well as keeping expenses up to date. Therefore, loan applications are a growing trend, especially those requested through fintech companies. For the online loans no credit check this is important.

What to consider when applying for online loans in USA

In the first instance, the company that will provide the loan must be defined. To do this, it is important to know what limit the company offers and if it adapts to the amount that the client needs. Once the company has been defined, it is necessary to stop and read carefully the requirements to apply for the credit and, each person, evaluate if it meets them. Fintech as an example, the main requirements are just 3: being over 18 years old, having an Argentine DNI and being the holder of a bank account to be able to provide the CBU.

  • There is no need to request more money than necessary: ​​organization is vital. Therefore, the sum requested must have a clear objective and adjust as much as possible to that value. Asking for extra money can lead to over-indebtedness.
  • When requesting a loan, you should analyze whether the amounts and the payment terms can be really met to repay it. For this, it is necessary to take conscience and commitment on the financial reality of each one. Analyzing income in depth is essential in this type of transaction. In this way, it is avoided that the client then has to ask for a loan to pay a previous one or to indebt itself unnecessarily.
  • Finding out about basic finance concepts is another tool for the client to be in a position to understand the transaction they are making and to hire the most suitable product for their purpose.

To define the contracting of a credit, the Annual Equivalent Rate (APR) must be evaluated, this encompasses the total cost of the loan, including commissions, interest and expenses to measure the final value to be paid.

Once the credit is obtained, the payment terms must be respected. Paying the fees in a timely manner prevents the applicant from paying interest and penalties. Furthermore, most companies evaluate the behavior of their customers using a point system. This is very beneficial for the compliants since, creating a good credit profile, the companies grant them in their next credits broader amounts and better payment terms.


Finally you have to read the terms and conditions of the lender before signing the contract. This instance allows reviewing the payment conditions and what happens in the event of a default. Of course, in case of any doubt or query, the client can contact the entity and request a copy of the document.

Churches are not known only as prayer halls, but they are known for social works too. Reaching to the needy people and catering to the needs of this generation have become their motto. And this social welfare is only possible when the churches are provided proper donations. This is when the Church Online Giving importance.

Why Online Donations are Important for Churches?

It is very clear to us nowadays that people often prefer digital payment methods over cash for their safety and comfort. But some churches are seen to be with their age-old approach to offline donations only. As a result, there remains a chance for a lack of funds. 

Moreover, donations of a bigger amount become quite risky for both the donator and the church authorities to do safely. Survey shows that most people are using mobile apps, or official payment websites of the respective churches or some other media available to them except in cash.

Top 3 Platforms Used for Online Donations to Church

  • ShareFaith Giving


It is an online platform through which you can donate safely. You need to take membership for making payments. They charge a very reasonable transaction fee with credit/debit cards. With the prime membership, you can send any text messages while making donations like other digital wallets too. 

Besides, this platform has some unique features like transaction dashboard, event registration forms, etc. As a member, you can open your donation account through which you can track your data of Church Online Giving.

  • PayPal

 It is one of the best-known and oldest platforms for online payments. Apart from churches, it is used by some companies too. Unlike others, Paypal does not charge any monthly fee which attracts the common people. It has a non-profit account facility for the people who are charged for transactions and other non-profit payments or donations.

  • EasyTithe

This medium is a good competitor of other donation platforms. The monthly fee for each member in this platform varies depending upon the needs of the church and the amount of donation. In the case of a church, the authority needs to give additional security fees for having a kiosk payment option. The transaction fees are a bit higher than ShareFaith.


To conclude, there are many other options to avail of Church Online Giving facilities. But you should always choose the best for you depending upon the affordability of charges and other benefits.

All the manufacturing units are forced to increase their packaging and their shipping supplies budget year after year. This could prove to be highly concerning for the manufacturing units as this will have a direct impact on the overhead costs and in turn, the product cost making a product less competitive in the industry.

As a part of cost control measures taken by your company, you should also focus on buying your fire retardant corrugated boxes, polyethylene bags, shipping tapes and the other shipping supplies at the most competitive prices.

You will of course find shipping supplies in all price ranges. You cannot however, blindly order some random product without taking into account the product quality. The shipping and packaging supplies that you are ordering should serve their purpose of protecting your products from damages caused during shipping and handling. If they are not going to serve this process then it is not worth considering such products just under the pretext of cost savings.

Taking into account these considerations, you have very limited options. You cannot compromise on the quality but you should be saving money too. Look for wholesale shipping supplies companies that manufacture and distribute their own products to source your shipping supplies.

When you source from a manufacturer directly, you will not have to pay any commissions to the intermediaries. This will bring substantial savings. You need not have to compromise on the quality of the shipping supplies that you are likely to order once you purchase directly from the manufacturer. You should know that no dealer or agent would be able to sell shipping supplies at a price that is lower than the manufacturers cost. If you are finding shipping supplies at prices that are lower than the manufacturer prices then it is a clear indication that the quality of the products you are ordering would be questionable.

Find manufacturers that have been in the industry for several years. Such manufacturers would have invested a great deal on brand image building and reputation building. When you source from a company with a long-standing history, you could be sure of the overall quality of the shipping supplies.

Further to that, you should also consider ordering all your shipping supplies from a single supplier. When your supplier sees that you have a huge buying potential, they would want to keep you happy by providing you with better rates and the best quality. This will be for your advantage. On the other hand, if you deal with multiple suppliers, then your orders will be distributed among them. You will not be able to claim volume discount from any of the suppliers.

By keeping all these factors in mind while sourcing your shipping supplies, it is possible to bring down your shipping supplies sourcing expenses considerably. You need to work only with top-class manufacturers only then you could be sure of getting the finest quality shipping supplies. Never lose sight of quality when you are sourcing your shipping supplies.

Boosting the savings for emergencies, clearing the debts and earning maximum out for investments requires careful planning, implementation of smart financial decision-making. If you too want to spice up your savings and rebuild your emergency funds, these tips will help you to achieve the desired goals. Let us compare different investment options like employee provident fund, ppf etc.

Tips to boost your savings:  It is crucial to have the right mix of investment options in your portfolio if you want to increase the savings.

  1. Investing in PPF: You can invest your savings in long-term investment schemes backed by the government. You can invest funds in your PPF account, ranging between Rs—500 to 1,50,000 in a financial year for a minimum tenure of 15 years. The significant advantage of investing in a PPF account is that the PPF is an EEE investment scheme, which means that the interest earned, principal amount and the total amount earned at the maturity period is exempted from taxes. The other benefit of investing in a PPF scheme is that the government determines the interest rate every quarter and is not subject to market risks. Currently, the interest rate on PPF is 7.10% EPF is another investment scheme with a fixed rate of return.
  2. Liquid funds: Liquid funds are short-term debt instruments such as commercial paper, treasury bills and certificate of deposit, which matures within 91 days. You can invest in liquid funds if you want to maintain high liquidity in your investments as they can redeem any day.
  3. Fixed deposits: You can invest in bank fixed deposits or company fixed deposits for a short-term and long term ranging between 7 days to 10 years. These deposits are the safest form of investments with a fixed rate of return. You can withdraw the funds prematurely by paying the penalty. To get tax exemptions, you can invest in 5 year- tax- free- fixed deposits as well.
  4. Accrual funds: The accrual funds are mutual funds that have a low risk in the rate of interest offered by them. You can invest in the short term as well as medium-term accrual funds to get higher returns than the fixed deposits. They are also more tax-friendly than the fixed deposits as you have to pay 20% tax on these mutual funds.
  5. Tax-saving investments: If you want to boost your savings, you can invest in tax savings investments schemes of the government. Some of these schemes are mentioned below:
  • National Pension Scheme: You can get tax exemption up to Rs. 1.5 lakhs on NPS under Sec 80 C of Income Tax Act. Further, under Sec 80CCD (1b), you are eligible to get exemption up to Rs. 50,000 on your investments.
  • Sukanaya Samridhi Yojana: Under Sec 80C of the Income Tax Act, you can get tax exemption up to Rs. 1.5 Lakhs to secure the future of your girl child. You can earn tax benefits on the interest accrued and the maturity amount received at the end of tenure.
  • National Savings Certificate: You can claim tax exemption up to Rs. 1.5 lakhs on the investments made under Sec 80 C of the Income Tax Act. The tax benefits can also be received on the interest earned on NSC.

It is thus evident that a balance of risk- free investments and investments with a moderate risk factor can add missing spice to the portfolio of the investments and can, therefore, help to boost the savings with the maximum returns and profits.

Summary: Best ways to increase your safe savings

Boosting the savings for emergencies, clearing the debts and earning maximum out for investments requires careful planning, implementation of smart financial decision-making. If you too want to spice up your savings and rebuild your emergency funds, these investment schemes will help you to achieve the desired goals.

  1. Investing in PPF: You can invest your savings in long-term investment schemes backed by the government. You can invest funds in your PPF account, ranging between Rs—500 to 1,50,000 in a financial year for a minimum tenure of 15 years.
  2. Liquid funds: Liquid funds are short-term debt instruments such as commercial paper, treasury bills and certificate of deposit, which matures within 91 days. You can invest in liquid funds if you want to maintain high liquidity in your investments as they can redeem any day.
  3. Fixed deposits: You can invest in bank fixed deposits or company fixed deposits for a short-term and long term ranging between 7 days to 10 years. These deposits are the safest form of investments with a fixed rate of return.
  4. Accrual funds: The accrual funds are mutual funds that have a low risk in the rate of interest offered by them. They are also more tax-friendly than the fixed deposits as you have to pay 20% tax on these mutual funds.
  5. Tax-saving investments: If you want to boost your savings, you can invest in tax savings investments schemes of the government. Some of these schemes are mentioned below:
  • National Pension Scheme
  • Sukanaya Samridhi Yojana
  • National Savings Certificate


Most parents consider college an important investment in their child’s future. However, covering its costs can be difficult. According to Sallie Mae, Americans spent an average of $26,226 for the 2018-2019 academic year. Nearly a quarter of them (24 percent) had to borrow money to do so. Given this fact, it’s easy to see why graduates of four-year colleges owe an average of $29,000 when they enter the workforce.

It’s a burden that is only going to get worse. College Board data also shows that tuition and fees at colleges and universities continue to increase. In fact, between 2019 and 2020, the average published tuition and fee prices at public four-year institutions has risen by $2,020 per year.

Fortunately, there are tools parents can use today to make college more affordable for their children in the future. One such tool is a qualified tuition plan, also known as a 529 plan. These plans are tax-advantaged savings plans sponsored by states, state agencies, and educational institutions.

What is a 529 Plan?

There are two varieties of 529 plans: prepaid tuition and education savings. While the education savings plan variety is probably better known, a 529 prepaid tuition plan may be a more comfortable option for parents who are concerned about market fluctuations and the continually rising costs of obtaining a college education.

As its name implies, a 529 prepaid tuition plan allows you to pay for your child’s tuition and fees at a public, in-state college or university well in advance. But its usefulness goes much further than that, as the purchase is made at today’s tuition prices.

Furthermore, unlike a 529 education savings plan, the funds you deposit are not invested in a portfolio that will grow or shrink in value based on market performance. Instead, they’re guaranteed by the state sponsoring the plan and, in many cases, their full value is protected from market fluctuations.

Additional 529 Prepaid Tuition Plan Benefits

In addition to protecting your investment from market turbulence and allowing you to lock down the cost of your child’s future tuition and fees, 529 prepaid tuition plans offer other benefits including:

  • Flexible contributions through installments or as a lump sum.
  • Tax-free earnings growth and tax-free withdrawals for tuition and fees.
  • Depending on the state, you may qualify tor tax deductions or credits on your prepaid tuition plan contributions.
  • Investment is guaranteed to keep pace with inflation, and there are generally no income limits.
  • A high contribution limit with the maximum determined by the state sponsoring the plan.
  • Minimal impact on other financial aid.
  • These plans are transferable if your child is awarded a large scholarship or decides not to attend college at all.

529 Prepaid Tuition Plan Disadvantages

Of course, as with any financial product, 529 prepaid tuition plans also have disadvantages:

  • The enrollment window is limited to once a year. If you miss the deadline, you’ll have to wait until the next enrollment period.
  • You may have to pay an enrollment or application fee in addition to ongoing administrative fees.
  • You or your student must be a resident of the state sponsoring the plan and attend a public college or university in that state.
  • Room and board, books, and other supplies are not considered qualified expenses.
  • Withdrawals for non-qualified expenses can result in a 10 percent penalty as well as federal and state tax implications
  • If your family moves to a new state before your child enrolls in school, or your child wants to attend an out-of-state school, you will not receive the full benefits of your plan.

Consult Your Financial Planner Today

If you’d like to save for your child’s future education and reduce the financial burden of paying for a college degree he or she will have to bear, it may be worthwhile to speak with a financial advisor about a 529 prepaid tuition plan as well as the alternative savings vehicles available.

For some parents, a 529 education savings plan may be a better option. Others choose to go with a brokerage account, custodial account, or borrow against cash-value life insurance. Your financial advisor will help you evaluate all the options and choose the best tool for your situation.