Chamber news 6

CHAMBER s w e

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Sandro Pereira Dos Santos PSQA ATTORNEY-BRAZIL CFBACC TRUSTEE

About The Chamber Our Mission: To generate a reliable integration between business and the community offering accessible opportunities encompassing Brazil and the United States.

Our Vision: To be recognized as a Premier Chamber of Commerce in Florida, respected for our reliability and integrative solutions.

Our Values: Act with integrity; demonstrate accountability, and deliver excellence of service.

Word From the President In the light of the latest events in Brazil, we are glad to know that our country is now looking forward, straight into the road to economical growth and prosperity.

We are happy the Impeachment Process is over and that it was conducted in a Democratic Manner.

Thank you for your support

Laiz Rodrigues President

CFBACC Central Florida Brazilian-American Chamber Of Commerce

#orlandounited

CFBACC NEWS

Definition

com·mon sense noun

good sense and sound judgment in practical matters.“use your common sense” synonyms: good sense, sense, native wit, sensibleness, judgment, levelheadedness, prudence, discernment, canniness, astuteness, shrewdness, wisdom, insight, perception, perspicacity; practicality, capability, resourcefulness, enterprise; informalhorse sense, gumption, savvy, smarts, street smarts

“I had the common sense to phone an ambulance instead of yelling at him to get up”

• Mergers & Acquisitions • Contracs

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tory Restructuring

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Chamber News NOVEMBER LEARNING AGENDA TAKING YOUR BUSINESS TO SUCCESS CLICK HERE FOR OUR CALENDAR

For Information About Advertisement Please E-Mail marketing@cfbacc.com Central Florida Brazilian-American Chamber of Commerce www.cfbacc.net 5323 Millenia Lakes Blvd. Suite 300 Orlando FL 32839 14 EastWashington Street, Second Floor-Orlando-FL 32801 Phone # (407) 610-7158

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WELCOME! RENEWALS & NEW MEMBERS PERFUMELAND/NASCAR FLORIDA CHRISTIAN UNVIVERSITY • Acontece Em Orlando • Opera Prlando • Brazil Radio • Alla Traducoes • Shao F. Mai

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CFBACC

First Holiday Gala Tuesday, December 6, 2016 At 7:00 p.m.

Crowne Plaza Orlando Universal 7800 Universal Blvd.

Orlando Florida 32819

Live Music

CFBACC

First Holiday Gala Ladies: Long Dress Men: Suit and Tie Members $80 per person Non Members $100 per person Corporate Tables Available Call Maida Manes for Purchase Phone # (407)353-2799 (407)855-9541 Cocktail Hour 7-8p.m.

Apetizers-Cash Bar

Dinner 8- 10 p.m.

House Salad Mixed Baby Greens, Tomatoes, Cucumber, Red Onions, Carrots and Croutons with a choice of Dressing EntrÊe: Grilled Filet of Beef and Seared Pacific Salmon Bordelaise Sauce and Leek Tomato Compote Desserts: Ginger Crème Brulee with Compote of Fresh Berries Cake and Brazilian Desserts by Pao Gostoso Bakery

Saturday & Sunday Only at Winter Park

Lunch Dinner $21.95 $27.95 Per Person Per Person

Not valid with any other discount, dessert, beverages are not included, Gratuity and taxes are not included. Offer Valid until 09/30/2016 5668 International Drive, Orlando Fl. 32819, Orlando, FL 32819 15 E Lyman Ave. Winter Park, FL 32789- Opens for Lunch on Sat & Sun.

“Pre-Immigration Planning�

W

e have experienced in recent years a movement of large flow of Brazilian families migrating to live, invest and work in the US, especially in Florida. Unlike previous movements, these families, mostly entrepreneurs are families who own businesses, real estate and investments in Brazil and now start to focus on the US as a new place for investments.

However, what we have found about these families is the widespread lack oof knowledge about the fiscal consequences resulting from the decision of, immigrate and / or live in the US. Most of these families are unaware that the stay or change of residence from Brazil to the US generates significant impacts that can not be disregarded.

Take as a starting point of our analysis regarding those Brazilian families who have not yet made the decision to immigrate to the US, but only come to spend a season, often having already acquired a residence for summer, especially in Florida.

In this case, armed with American tourists visas ( "B2" class), spend several weeks and even months of the year on American soil, imagining they are immune to the tax effects in the United States. However, for tax purposes, one of the fundamental principles of American Tax Laws is the "substantial presence test", ie the imposition of US tax residency for those who remain in US territory for more than 183 days per year over a period of 3 years. In such a reality, any foreign citizen ( "non-resident alien") who remains in US territory for a period of time compulsorily, acquires the American tax residence, being forced to pay taxes to "Uncle Sam".

The "substantial presence test" is the day count in American territory as follows: (a) current year: we consider the whole of the day on American soil; (B) the previous year: to include 1/3 days on American soil; and (c) the year before the previous one: count is 1/6 days on American soil. Thus, if the sum of the days in three years is not less than 183 days, the foreign citizen is obliged to the payment of taxes in the United States as a US resident.

Therefore, failing to acknowledge that important fact, can have serious taxes consequences, as both the US and Brazil, has the basic principle of their income taxation system, the principle of universality ( "worldwide system"), ie, the resident must pay taxes on their worldwide income.

Regarding the other visa temporary stay (B1 / business, L1 / executive, E2 / investor treated, etc.) and permanent (EB5 / investor, EB1 / executive or extraordinary ability, etc.), the tax effects are quite important because in all these cases the citizen will be considered US tax resident, the obligation of the US tax collection.

The only exception is the student visa (F1), which is not subject to "substantial presence test" and does not result in the imposition of US tax residence.

Thus, it is important fiscal analysis when the stay or immigration to the US. As we have seen, based on the "worldwide tax system" system, in the event of adoption or imposition of US tax residence, all proceeds, fruits and values in Brazil, such as dividends, interest, rents and others, should be taxed in the US .

Brazilians in The USA The Importance of Immigrational Planning Written By Attorney Sandro P. dos Santos Regarding the Brazilian reality, there are also very serious tax consequences. For Brazilian tax law, the individual or legal entity resident or domiciled in Brazil are also required to obbey the "worldwide tax system", ie any income received in Brazil or abroad shall be taxed by the income tax in Brazil.

If the individual resident in Brazil opts for the American tax residence (through visa EB5, E2, L1, EB1, etc.), under Brazilian law, must present the Final Departure Statement of the country ( "DSDP") from the release date until the last day of February of the following calendar year.

Otherwise, the individual will be subject to double taxation by the Brazilian tax authorities and the US tax authorities, as is the Brazilian tax resident status and at the same time, the US fiscal resident.

For legal investors, entrepreneurs overseas, especially those involved in obtaining visas for executives in the US (L1 visas), it is essential to emphasize that the creation of a subsidiary company in forced outside the company to payment of income tax in Brazil by the system of real profit.

Therefore, it was verified that a detailed analysis in the reality of each family interested in temporary or permanent residency in the US is critical. Through the "pre-immigration planning alternatives and viable legal structures are studied to avoid that dividend income, rents, financial income and others are not subjected to double taxation.

So again it is important to note that the change from Brazil to the US has important and relevant taxes consequences that need to be analyzed and studied with the advice of qualified professionals in Brazil and the US. (Sandro W. Pereira dos Santos, of the Brazil and specializes in Wealth Management ( "Wealth Management") and International Taxation.

Member of the International Fiscal Association, International Bar Association IBA and Brazilian Academy of Financial Law. Socio-Senior PSQA . LAWYERS (www.psqa.com.br), with offices in SĂŁo Paulo-SP, Curitiba, PR and Orlando / Maitland-US E-mail: sandro@psqa.com.br)

“Pre-Immigration Planning” Temos vivido nos últimos anos um movimento de grande fluxo de famílias brasileiras migrando para viverem, investirem e trabalharem nos EUA, especialmente no Estado da Flórida.

Diferentemente de movimentos anteriores, essas famílias, em sua maioria, são famílias empresárias, que possuem empresas, imóveis e investimentos no Brasil e agora passam a focar os EUA como novo lugar para investimentos.

maneça em território americano por certo período de tempo adquire compulsoriamente a residência fiscal americana, sendo obrigado ao pagamento de impostos ao “Tio Sam”.

O “substancial presence test” consiste na contagem de dias em território americano nos seguintes termos: (a) ano em curso: considera-se a integralidade dos dias em território americano; (b) ano anterior: contam-se 1/3 dos dias em território americano; e, (c) ano anterior ao anterior: contam-se 1/6 dos dias em território americano. Com isso, se a soma dos dias nos 3 anos for igual ou superior a 183 dias, o cidadão estrangeiro é obrigado ao recolhimento de tributos nos EUA como residente americano.

Entretanto, temos verificado por parte dessas famílias um grande desconhecimento sobre as consequências fiscais dessa decisão de permanecerem, imigrarem e/ou viverem nos EUA. A maioria dessas famílias desconhece que a permanência ou a mudança da residência do Brasil para os EUA gera impactos tributários relevantes e que não podem ser desconsider- Veja-se, portanto, que o desconhecimenados. to pode trazer sérias consequências fiscais, à medida que, tanto os EUA, como o Brasil, Tomemos como ponto inicial da nossa análise têm como princípio basilar do seu sistema de aquelas famílias brasileiras que ainda não tributação da renda, o princípio da universaltomaram a decisão de imigrar para os EUA, idade (“worldwide system”), ou seja, o resimas tão somente vêm para passarem tem- dente deve pagar impostos sobre a sua renda porada, muitas vezes tendo já adquirido uma mundial. residência para veraneio, especialmente na Flórida.

Em relação aos demais vistos de permanência temporária (B1/negócios, L1/executivo, Nesse caso, munidos de vistos americanos de E2/investidor com tratado, etc) e permanente turistas (classe “B2”), passam várias semanas (EB5/investidor, EB1/executivo ou habilidade e até meses por ano em território america- extraordinária, etc), os efeitos fiscais são basno, imaginando estarem imunes aos efeitos tante importantes, pois em todos esses casos fiscais nos EUA. Entretanto, para fins de trib- o cidadão será considerado residente fiscal utação, um dos princípios fundamentais da americano, com a obrigação do recolhimento legislação fiscal americana consiste no “sub- de impostos nos EUA. stancial presence test”, ou seja, a imposição da residência fiscal americana para aqueles A única exceção é o visto de estudante (F1), que permanecem em território americano que não está sujeito ao “substancial presence por mais de 183 dias por ano, num período test” e não tem como consequência a imde 3 anos. Em tal realidade, qualquer cidadão posição da residência fiscal americana. estrangeiro (“non residente alien”) que per-

Brasileiros Nos EUA – A Importância Do Planejamento Imigratório Escrito Pelo Advogado Sandro P. dos Santos

Com isso, é importante a análise fiscal quando da permanência ou imigração para os EUA. Como vimos, baseado no sistema do “worldwide tax system”, em caso de adoção ou imposição da residência fiscal americana, todos os rendimentos, frutos e valores obtidos no Brasil, tais como dividendos, juros, alugueres e outros, deverão ser tributados nos EUA.

presa ao recolhimento do imposto de renda no Brasil pelo sistema do lucro real.

Verificamos, portanto, que é fundamental uma análise pormenorizada da realidade de cada família interessada na permanência temporária ou definitiva nos EUA. Através do “pre-immigration planning”, ou “planejamento pré-imigratório, são estudadas alternativas e estruturas legais viáveis para que as rendas de dividendos, Em relação à realidade brasileira também ex- alugueres, rendimentos financeiros e outros istem consequências fiscais bastante sérias. não sejam sujeitos à bitributação.

Para a legislação fiscal brasileira, a pessoa física ou jurídica residente ou domiciliada no Brasil Sendo assim, novamente é importante destatambém está obrigada ao “worldwide tax sys- car que a mudança do Brasil para os EUA tem tem”, ou seja, qualquer renda percebida no consequências fiscais importantes e relevantes Brasil ou no exterior deverá ser tributada pelo que precisam ser analisadas e estudadas com a Imposto de Renda no Brasil. assessoria de profissionais habilitados tanto no Brasil como nos EUA. Caso a pessoa física residente no Brasil opte pela residência fiscal americana (através dos (Sandro W. Pereira vistos EB5, E2, L1, EB1, etc), nos termos da lei dos Santos, advogado brasileira, deve apresentar a Declaração de Saíno Brasil e especialda Definitiva do País (“DSDP”) a partir da data izado em Gestão de de saída até o último dia do mês de fevereiro do Patrimônio (“Wealth ano-calendário subsequente. Caso contrário, a Management”) e Tribpessoa física estará sujeita à bitributação pelo utação Internacional. fisco brasileiro e pelo fisco americano, visto que Membro da Internaestá na situação de residente fiscal brasileiro e, tional Fiscal Associaao mesmo tempo, residente fiscal americano. tion, International Bar Association-IBA e AcPara as pessoas jurídicas investidores no exte- ademia Brasileira de Direito Financeiro. Sóciorior, principalmente aquelas envolvidas na ob- Sênior de PSQA ADVOGADOS (www.psqa.com. tenção de vistos de executivos no EUA (visto br), com escritórios em São Paulo-SP, CuritiL1), é fundamental destacar que a criação de ba-PR e Orlando/Maitland-EUA. empresa subsidiária no exterior obrigada a em- E-mail: sandro@psqa.com.br)

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Wildlife Photography by Honored SCUBA Diver Ruth Petzold Featured at the Orange County Administration Center

WHEN:11/ 1 through 11/30, 2016

WHERE: Community Gallery Orange County Administration Center 201 S. Rosalind Ave. Orlando, FL 32801 A lifelong passion for nature and photography became the life’s work for photographer and SCUBA diver Ruth Petzold. Since getting her first camera at age seven, she has devoted herself to exploration, conservation and photographing nature and wildlife, above and below the water.

From wildlife in Africa, Antarctica and the Arctic, to the undersea world of Pacific Rim countries and the Caribbean, Petzold has pursued the beauties of nature on all seven continents and in most of the global seas and oceans. Her passionate love of the natural world has taken her to exotic and remote parts of the world in pursuit of her subjects.

She’s been 11 times to the African continent, 10 times to New Guinea and the Solomon Islands and six times to Indonesia, just to mention a few of her photographic excursions.

“Nature photography has made me aware of the fragility of our planet,” says Petzold. “I have discovered the true beauty and variety of our earth’s creatures. It is my hope that viewers of my photographs will join me in helping to preserve and protect our environment.”

Her exhibition Sea Creatures: Above & Below features photographs from her explorations and includes polar bears, penguins, rare leafy sea dragons, dolphins, whales, sharks and manatees.

An informational panel and map accompany each sea creature so that children and adults can learn more about the animals and their habitats.

“Beginning in the 1980s, I traveled widely. The more I saw, the more I realized there was more to see,” says Petzold. “Then, unfortunately, my left leg was amputated below the knee, but my love of the water prevailed, and I made sure I had a diving leg within a few months.”

Petzold continues, “I have gone everywhere I wanted to go in spite of losing my leg. A floating

prosthetic leg simply added to the challenges of underwater photography.”

In April 2016, Ruth was inducted into the Women Divers Hall of Fame, which honors pioneers, leaders, innovators and worldrecord holders throughout the international diving community. She also is a longtime member of The Explorers Club and serves on the board of The Wild Dolphin Project, a non-profit scientific research organization that studies and reports on a specific pod of freeranging Atlantic spot­­­ted dolphins.

A portion of sales of Petzold’s photographs will be donated to support The Wild Dolphin Project.

When she’s not traveling, Petzold resides in North Palm Beach, Florida and Harbor Springs, Michigan.

The Sea Creatures: Above & Below exhibition is hosted by Orange County Arts & Cultural Affairs. The exhibition can be seen November 1 to 30, 2016, Monday through Friday, from 8 a.m. to 5 p.m., in the Community Gallery in the atrium lobby of the Orange County Administration Center, 201 S. Rosalind Ave., Orlando, FL, 32801.

For information about the artist, visit RuthPetzold.com, or contact Katie Deits, kdeits@me.com, 561-3517904.

Image credits: RuthPetzold_2016: Ruth Petzold wears the gold necklace awarded from the Women Divers Hall of Fame in 2016.

Photograph by Katie Deits RuthPetzold_cameras_Indonesia: Ruth Petzold diving in Indonesia with her Nikon camera and bilateral flashes.

Photograph by Tanya Burnett RuthPetzold_Dolphins_Bahamas: A family of wild dolphins in the Bahamas is under study by The Wild Dolphin Project.

Photograph by Ruth Petzold RuthPetzold_LeafySeaDragon_Australia: A leafy sea dragon in Australia naturally hides in the seaweed. Photograph by Ruth Petzold RuthPetzold_PolarBear_Norway: A polar bear leaps onto ice flows in Norway.

Photograph by Ruth Petzold RuthPetzold_GreatWhiteShark_ Australia: A great white shark cruises by the photographer in Australia.

Photograph by Ruth Petzold

Every Year, Mayor Teresa meets with the Chambers of Commerce for Coffee.

The Chambers discussed the programs they have available to foment business and the EDC-Economic Development Commission spoke about the Campaign Orlando You Don’t Know The Half of It. The Florida Association of Chamber Professionals President Stina D’Uva, spoke about the need of Chamber Certification and the need to follow important guidelines to be an Outstanding Chamber.

The EDC spoke about Orlando pledge to be the host for the World Chamber Association Congress in 2019. We are running against Rio-Brazil and Spain.

October In Review

www.b2portals.com 14 East Washington Street-Second Floor Orlando-FL, 32801-Downtown Orlando Phone # (786) 241-7619 contact@b2portals.com

www.idrivenascar.com

5228 Vanguard St, Orlando, FL 32819 Phone:(407) 581-9644

October in Review Focus Brasil Orlando Focus Brasil Orlando Opening Day, at the NASCAR Indoor Kart racing Conference Area, with the Brazilian and American community significant presence, honoring the event.

From theleft New Consul of Brazil in Miami Ambassador Adalnio Senna Ganem.

CFBACCPresident, Laiz Rodrigues.

Below, Carlos Barbieri-The Oxford Group, Laiz Rodrigues, Ambassador Adalnio Senna Ganem, Congressman John Mica, Pastor Silair Almeida, Focus Brasil CEO Carlos Borges.

Photos By Jaqueline Andrade.

October in Review Focus Brasil Orlando Opening The CFBACC Business Panel, organized by President Laiz Rodrigues, a team of Masters moderated by Attorney Bruno Portigliatti - Florida Christian University.

A huge Success!

• Kim King Business Development Assistant Manager at City of Orlando • David Barilla, Assistant Director of the Downtown Development Board/Community Redevelopment Agency • Irma Stenman, Orlando Economic Development Commission • Carol Palacio Orange County Economic Development Orange County Government

Focus Brasil Orlando CFBACC Business Panel 2016 From the left, Luis Martinez-City of Orlando, Monica Corra-Business Consultant, Laiz Rodrigues and Monica Chavero-PMI.

Immigration Panel

Immigration and Asset Management Panel, Attorneys Edward Beshara-Besh and Sandro Pereira dos Santos- Attorney PSQA-Brasil. Moderator Andrea Alm

hara PA meida.

October in Review Focus Brasil Orlando

Our Panel Was Sponsored By

It was a pleasure to Organize an event such as our Business Panel and find all panels almost filled to capacity.

Sharing valuable information to our members and guests

Our Thanks To: Economic Development Commission Orange County Economic Development City Of Orlando Multicultural Department City of Orlando Business Development Dept.

Downtown Development Board Metro Plan Orlando Central Florida Expressway Authority MCO Orlando International Airport CFITO-CF International Trade Office UCF Ana G Mendez University System Florida Christian University OC Property Appraiser Orlando Regional Realtor Association

World Trade Center Beshara PA Immigration Attorneys PSQA Attorneys NASCAR IDrive Indoor Kart Racing Moneycorp Rabits&Romano Architecture Florida Cup Lancelot America The Rocket Group VIP WalkIn Clinic The Mall at Millenia Mercedes Benz of South Orlando Excellence & quality Cosulting Jornal B&B The Mortgage Firm Real Estate Compass Black Fire Grill

October in Review Focus Brasil Orlando

Focus Brazil Award Almost 300 guests present at the event to celebrate the recipients is a great event.

To all Our Members

We would like to thank you for the support given to us in 2016. We have walked a long way and without your support, this effort wouldn’t be possible. It is time for elections, and we are going to elect a new Board for 2017-2019. If you have any interest in participate at our Board of Directors, please send a letter of intentions to candidacy@cfbacc.com To participate, you are required to be a member in good standards for one complete year. Keep in mind that your commitment is serious and you will be required to participate and give your contribution.

Also I would like to remind you about our Holiday Event on December 6th - 7p.m.at The Crowne Plaza Orlando Universal, located at 7800 Universal Blvd Orlando FL 32819 For any information e-mail marketing@cfbacc.com Thank you for your Support!

Cordially Laiz Rodrigues President

Orange County Fire Rescue Kicks Off Adopt a Fire Station Holiday Initiative

A local troop from the Girl Scouts of Citrus Council visit with Orange County Fire Rescue Station 66 during their Adopt Fire Station visit in 2015.

For the fifth year, Orange County Fire Rescue and Neighborhood Preservation & Revitalization have teamed up for Mayor Teresa Jacobs’ Adopt a Fire Station holiday initiative.

While some firefighters celebrate the holidays with their families and loved ones, many spend the holiday season on call at the fire station.

In an effort to make the holidays special for them, Mayor Teresa Jacobs started the Adopt a Fire Station program so that neighborhood groups, businesses, and non-profits could recognize and give back to their local Fire Stations during the holidays. Adopt a Fire Station begins Nov. 1, 2016, and concludes on Jan. 1, 2017.

Through the Adopt a Fire Station initiative, groups can show their appreciation by helping provide holiday meals and volunteering their time at their local Fire Station. Participants are encouraged to tour their adopted fire station, take photos and get to know the firefighters who serve their community. Holiday meals, treats, crafts and decorations are graciously welcomed during station visits.

Mayor Jacobs began the initiative in 2012. Since then, interest and in participation has grown tremendously.

“Last year, we were thrilled that every one of our 41 fire stations was adopted for the first time since this campaign’s inception,” said Fire Chief Otto Drozd III. “It means the world to our crews when our community members take the time to visit with them, host a meal and learn more about the many ways our firefighters serve our citizens and visitors.”

Designated time slots when groups may visit the fire stations are listed below: 8 a.m. – 10:30 a.m.

11:30 a.m. – 2 p.m.

5 p.m. – 8 p.m.

Citizens are encouraged to adopt their fire station soon as slots fill up quickly. To sign-up, contact Tiana Davis with Neighborhood Preservation & Revitalization at 407-836-5531 or email Tiana.Davis@ocfl.net.

For more information, visit www.ocfl.net/adoptafirestation.

Edward C. Beshara

Salvatore J. Picataggio, Jr.

Andrea Almeida

Managing Partner P: (407) 571-6878 E: ebeshara@besharapa.com

Associate Attorney P: (407) 571-6878 (6816) E: sal@besharapa.com

Brazilian Liaison and Paralegal P: (407) 571-6878 E: andrea@besharapa.com

From the first contact right to when the transaction was completed I received a professional and efficient service throughout. moneycorp’s competitive exchange rates saved me money on my transfers and their transparency left me in no doubt that my money was in safe hands.

I have no hesitation in recommending moneycorp”.

Felipe M July 2015

Save money on your international transfers to and from Brazil moneycorp, in partnership with Novo Mundo Corretora de Câmbio - forex experts – offers competitive exchange rates and expert guidance on all your international payment requirements.

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Please contact us by phone: + 1 407 352 5890 or e-mail: brasil@moneycorp.com and find out how we can help you save today.

DineSafe App Enhances Functionality Diners and Restaurants Can Personalize Menu Information for Allergens, Food Allergies and Preferences DineSafe, the app designed to help diners and restaurants navigate the world of food allergies and special dietary preferences, has enhanced and expanded its functionality.

lowing this lead. Vegetarian, vegan and paleo diets are no longer limited to niche markets and guests are increasingly seeking healthier options, looking for lower sodium, low fat, low calorie and sugar free meals and transparency in menus. Beginning in May of 2017, restaurants chains of 20 and more will be required by law to have nutritional information readily DineSafe provides restaurants with an accu- available. rate, real-time tool for keeping track of all menu item ingredients in a centralized location and a "I have worked in the industry for over 20 years standardized format that helps guests, servers, and watched what clearly seems like an explochefs, and even hosts or hostesses access the sion in food allergies and sensitivities in the past information and use it in a way that caters to 10 years," added Caturano. " We feel we have their establishments and their customers per- brought to market at the right time the perfect sonally. tool to bring all the meal information, locations and diners to one centralized place. It's not the Restaurants can now upload and track the min- recipes, cooking methods, your proprietary inimum of the Top 8 Allergens with the optional formation that diners with food allergies and ability to track up to 33 allergens and 11 dietary food preferences need, it's the allergen ingredipreferences. A functionality to enable upload- ents in your meals and nutritional information ing any and all nutritional information is ex- to help them make safe and healthier choices." pected to be in place by early 2017. DineSafe is presently in talks with Reps from other coun- In an effort to continue staying up to date with tries ready to help with expansion overseas. food industry challenges, efforts and working solutions with food allergies, DineSafe will be "What started out as a tool for restaurants to attending and helping to sponsor Food Allergy provide kitchen staff and front of the house ac- Symposium for Industry, FASI2016 In Boulder, curate real time allergen information for the Colorado November 3rd & 4th. food they were cooking and serving is now expanding to be so much more, fully embracing There are already more than 33,000 locations the description in the DineSafe name," said Nick in the DineSafe system including award-winCaturano of DineSafe. "This app can help save ning chef Rick Bayless' restaurant Frontera Colives, time and money as well as bring structure cina @DisneySprings, which recently upload to the complex challenges of serving guest with their menu into their account on DineSafe App. food allergies and soon communicating all the The company is actively seeking restaurants nutritional information in your menu items. who would like to add their menu offerings to DineSafe.

Because a food allergy can turn deadly anytime, the UK and the EU already require disclosure of Completely free for consumers and restaurants, allergens in food, many states are already fol- DineSafe is available on IOS & Android.

Transferring Funds From Brazil To The United States How To Bring Your Money To Invest In Florida

Source:moneycorp

Juliana Scolari, is one of moneycorp specialists in foreign exchange and Head of Latin America Market.

MONEYCORP is originally from England and leader in the market for over 30 years.

3. What if the source of the funds has been originated in the current fiscal year?

In order to have permission to transfer funds out of the country the financial institution will need to identify client’s source of funds and the reason for the transfer.

4. There are many comments on the bureaucracy of most Brazilian Banks to approve a foreign exchange transaction.

Is this bureaucracy really necessary?

We just need to document the source.

All that Central Bank of Brazil (BaCen) wants to make sure of is that the source of your funds is correctly documented and that taxes were already paid on it (or soon will be). For example, if you sold a property in Brazil this year and therefore the sale it is not yet showing on your tax returns, all you have to do is to document the sale of the property and show it was declared as your asset. The amount of the sale is now your 'capacity' and if you want to have it in 1. How easy is to transfer money from US dollars, you can transfer the funds out without a problem. brazil to the us?

2. What about taxation?

No, it is not. A practical process should require an application and identification of the client, When purchasing Real Estate or when transfer- to document the source of funds and the rearing funds to a client’s account overseas, there son for the transaction. is nothing beyond the IOF (0.38%) already charged when a deal is booked. Essentially, the The documents are analyzed and, if all correct, taxes have already been paid. Each individual the customer is then authorized to book the in Brazil has their most recent tax returns ana- foreign exchange transaction. Once the deal lyzed before the transfer. In other words, what has been booked, the wire transfer is made in each individual can take out of the country is Reais by the client at the licensed institution’s liquid money, already declared. bank account and within two business days, funds are wired into the account beneficiary instructed by the client.

5. What are the costs of this transaction? than when the dollar is going up like a rocket.

8. What is your suggestion for investors to There may be many associated costs, depend- protect themselves from currency fluctuing on the financial institution, including: trans- ations? fer fees, bank charges, IOF, cost of exchange, cost of commissions, among others. We always advise all clients to compare not only the currency exchange rate but also the total amount that is costing them in Reais. Most of Brazil's banks charge high fees that are charged directly from client’s account.

Ask the company to monitor the market for you.

The longer you have until the crucial date of the transfer, the more your chances are to benefit of (or protect from) currency fluctuations.

9. Are there any other advantages in transferring funds correctly from Brazil?

6. What are the client’s advantages to use an expert company like moneycorp?

I could name many of them, but I’ll focus on the

main ones: security and repatriation.

If the capital of Brazil came out correctly, you can repatriate these funds. It is important to understand that money that does not go out registered with the Central Bank, does not return by the Central Bank.

Working with an expert has millions of advantages, but the main one is the access to the specialist him/herself. The obligation of the specialist is to understand the nature of the client’s transaction and, based on that, to know what options are possible in a simple, efficient, legal and economic way.

10. In addition to the competitive exchange

7.How can you be sure you’ve been offered a competitive exchange rate?

Firstly, some key information: the exchange rate that a institution will offer, regardless of whether that institution is a bank or the company I work for, moneycorp, will have a margin included (known as the ‘spread’.

Besides the constant currency fluctuations, each institution will add a margin of their choice, by following market standards or by the company’s policy. The spread is not fixed. There are many variables that will be taken into consideration at the time of booking a foreign exchange deal, among them, the amount to be transferred and market data. Booking a deal when the currency fluctuates in your favor (Real appreciating) will give you a better chance to get a better rate

rate and access to specialists, which makes the operation more efficient? Are there any other benefits that Moneycorp offers?

Yes. Moneycorp is the only company in the industry that offers an international payment account for each client. The client can close a foreign exchange contract and through its Moneycorp account, he/she can make all their international payments. For example, a customer is buying a home in Florida and will have to send funds to the construction company, to furnish and decorate the new home and to the immigration attorney. By using their Moneycorp account, the customer can distribute all of these payments at no extra charge. He/she can also keep their funds in their Moneycorp account until a decision is made.

and realized right away that there was a large market for Brazilian investors and a worldwide lack of specialists in the question.

With over 10 years of financial experience, she embraced the opportunity and raised the company's market by 400% since her arrival.

“

The transfer of your funds is an easy process, it should not have any hidden taxation attached to it and it doesn't hurt your tax returns.

She is often invited to give lectures on the subject and has participated in numerous conferences, including in Brasilia.

With a constant positive feedback from clients and partners, we asked the young business woman what is the secret of her success: "Never let an opportunity to answer a question go by, even if you have to research the Understanding how the process works is the answer. first step. From there, all you have to do is Learn from your work challenges and become choose your provider. Happy Investing! a specialist. And most importantly, provide a service that exceeds your own expectations.

More about Juliana Scolari - Moneycorp: Juliana joined the team Moneycorp in 2010 Always! Regardless of your industry."

5472 International Dr. Orlando, FL Ph # (407) 447-8946

www.paogostoso.net

To CFBACC Members and Friends From Monday Jun20 until Dec31.

The promo code is “CFBCOC16� that offers 10,000 points bonus when the account enrolls and flies within 60 days and should be included in a note.

This code should be inserted at time of each enrollment.

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www.jornalbb.com/

4847 Lake Milly Drive - Orlando, Florida 32839 Phone #: 407.855.9541 - 407.353.2799 e-mail: info@jornalbb.com