Source: Freepik Author: Redaction The three-month deadline for taxpayers to reinvest gains from the sale of property in the amortisation of the loan for the house they live in, without incurring taxation, may be extended until March 2025 , according to the Tax Authority. This opportunity for exemption from IRS taxation for profits from the sale of property, such as building plots or homes, is provided for in the Mais Habitação legislation. To qualify for this exemption, the sale of the land or homes must take place between 1 January 2022 and 31 December 2024 , and the proceeds of the sale must be reinvested in the total or partial repayment of the taxpayers own permanent housing loan or that of one of their descendants, within three months of the date of sale. In a communication to the services and in order to ensure the consistent application of the new rules established by Mais Habitação regarding the taxation of capital gains, the Tax and Customs Authority (AT) clarifies that the amortisation of any loan taken out for the acquisition of the property and the application of the realisation value (possibly deducted from that loan) can, at the most, be carried out until March 2025 . This understanding stems from the fact that the loan must be amortised within three months of the sale , and the capital gains tax exclusion regime applies to sales made between the beginning of 2022 and the end of 2024. In addition, the AT clarifies that the exclusion from capital gains taxation applies even when the taxpayer reinvests only part of the amount obtained from the sale in the amortisation of the loan , either because that is their intention or because the credit is less than the amount generated by the transaction. In such cases, the exclusion from taxation only applies to the proportional part of the profits corresponding to the amount reinvested. This regime applies regardless of whether the sale of one or several plots of land or residences is involved, as the realisation value of a property sold (or several) can be distributed to amortise housing loans intended for the permanent residence of several eligible beneficiaries. This means that, in a family where more than one person has a loan for their own permanent home, the money obtained from the sale of land and homes can be used to amortise several loans , as the scheme allows for the amortisation of any housing loan intended for own permanent home. The Tax Authority has previously clarified that, in cases where the sale of these types of property took place before Mais Habitação came into force (October 2023) and capital gains tax has already been paid, taxpayers can request a refund of the tax paid by submitting a replacement declaration for IRS Model 3 . This request can be made within two years of the end of the legal deadline for submitting the tax return, or within the same deadline for submitting an administrative claim, as provided for in the IRS code, generally until the end of June 2025. Also read: Selling on Real Estate Portals: 3 essential reasons , More families opt for mixed rates on home loans and Public tenders for housing are not attracting candidates
Source: Freepik Author: Redaction The start of the annual IRS tax returns is just around the corner, and the Portuguese have to fill them in between April 1 and June 30 with their 2023 earnings. However, there is news: the changes introduced to the IRS Code will begin to have an impact on tax returns this year, which well explain in this article. This Friday, February 2, the new Model 3 forms were published in the Diário da República , two months before the deadline for submitting the IRS declaration and, among the various new features, we highlight the increase in the tax on speculative income and the tax relief on rents from long-term housing contracts. Find out more about all the changes: Capital gains generated by the sale of assets are now included Capital gains generated by the sale of assets must now be included in the tax return if they have been held for less than a year and when the taxpayer has very high income, corresponding to the last IRS bracket, i.e. with annual gains of more than 78,834 euros. In this way, the profit obtained from the sale of the securities will be taxed at an autonomous rate of 28%, or 35% in the case of tax havens, to pay the maximum tax rate of 48%. Thus, these speculative capital gains will now be reported in Annex G of the personal income tax return , following the measure approved in the State Budget for 2022, with effect from January 1, 2023, and will therefore be mandatory for this years return. On the other hand, profits generated from the sale of assets held for more than a year will continue to be taxed at the standard rate of 28% , or 35% for income from securities paid in Portuguese territory by entities in tax havens. Declaration of gains from the sale of crypto-assets becomes mandatory According to what is stipulated in the State Budget for 2023, all gains from the sale of cryptoassets will now be mandatory to declare, either in Annex G, which refers to capital gains, or in Annex B, which refers to income from self-employed workers , or so-called green receipts. In the case of self-employed professionals who buy and sell crypto-assets, they must not only register their activity with the tax office , but also declare the gains from the sale of the assets in question in Annex B. Landlords with long-term leases will see a tax reduction As part of the Mais Habitação (More Housing) measures, there will now be a distinction in Annex F between short and long-term rental contracts . In general, the autonomous tax rate has been reduced from 28% to 25% for all rental income from contracts for own permanent housing. Thus, there are now tax benefits for landlords with rents from long-term leases of more than five years, in situations where the landlord does not choose to include the income in the tax return. On the other hand, for leases of five to ten years, a 10% reduction will be applied to the respective autonomous rate and, for each renewal of the same duration, a 2% reduction will be applied, with the reductions relating to the renewal of the contract being subject to a 10% limit. For contracts with a duration of up to 20 years, a 15% reduction is applied , with the rate falling to 10% and, f or contracts longer than 20 years, income is taxed at an autonomous rate of 5%. Incentives for employees to buy start-ups With the measure in the State Budget for 2023, there is now a field in Annex A designated for the purchase of shares in startups by their employees , who now benefit from exemption from the 28% rate until the moment of sale . When the asset is sold, the tax will be levied on only 50% of the income. It is important to mention that there are conditions to the benefit , which relate to the characteristics of the startup, which is only eligible for this incentive application if it is micro, small or medium-sized, and cannot employ more than 250 workers or have a turnover of more than 50 million euros. Also excluded from the benefit are employees who hold more than 20% of the share capital or voting rights, managers and directors, i.e. members of statutory bodies. Foreign income from the sale of real estate in Portugal There will also be changes to the tax framework for foreign income generated by the sale of real estate in Portugal, in the capital gains section of Annex G. As a result, this years tax returns will now include property sales by non-resident foreigners, who will be included in the same regime as Portuguese citizens. Offshore assets and income from national capital are excluded Excluded from this years tax return are all types of income that exceed €500 , even those that are exempt from tax or assets in offshore companies. Read also: Taxes: until when can you validate IRS invoices?
Source: Freepik Author: Redaction The Liberatory Rate is an IRS (Personal Income Tax) rate that is taxed definitively when the income is made available to the taxpayer. Its particularity is that it is taxed definitively, without the need for a declaration when filling in the Income Tax form. Provided for in article 71 of the Personal Income Tax Code, this rate is applied to personal income tax depending on the type of income subject to it. Thus, depending on the income being analysed, the rate may be 28%, 25% or 35%. In what situations can the rate be applied? This rate can be applied in various legal situations in Portugal, which you can find out about in this SUPERCASA Notícias article. Some of these include: Capital gains Rent Income earned by taxable persons. In the latter case, income subject to the application of the tax-free rate includes interest on bank deposits , income realised in Portugal by taxpayers resident abroad, profits from shareholdings or profits from gambling. Rates of 28%, 25% and 35%: in which situations are they applied? Considering that the tax-free rate is not included in the annual personal income tax return, several financial institutions can collect the tax directly, which is then paid to the state . Directly, it can be charged in situations where there is interest from bank accounts, dividends from shares, interest from bonds, income paid by investment funds, profits shared by entities subject to IRC or other capital income received by non-residents in Portugal that is not otherwise taxable. In these situations, the discount applied to the tax-free rate is 28%. The 25% discount applied to the rate in discharge of tax includes income from dependent work, business and professional income , which can be derived from isolated acts , pensions or compensation aimed at repairing non-pecuniary/emergency damage. On the other hand, when the exemption rate is 38%, it is subject to collection on income paid or made available to accounts opened in the name of one or more holders , on behalf of unidentified third parties, capital income acquired by non-resident entities without a permanent establishment in Portugal , provided they are domiciled in a territory with a more favourable tax regime, or in situations of income paid or made available to the respective holders, resident in Portuguese territory, owed by non-resident entities without a permanent establishment in Portugal and which are domiciled in a country, territory or region subject to a more beneficial tax regime. How do rental taxes work? The property sector is one of the sectors where these taxes have an impact , and they began to be levied in 2013 on landlords through the way in which they choose to declare the income derived from their rents. Currently, landlords have two options: they can continue to declare their rental income in the annual tax return, or they can choose to pay the tax autonomously. This flexibility allows them to choose the modality that is most advantageous to them and also encourages greater investment in the sector. For rentals, the tax rate applied is 28 per cent. Did you like this information? We suggest you also read: What is an Isolated Act? Find out , Find out what a utilisation licence is and what its for or What is a bank moratorium? Find out more
Source: Freepik Author: Redaction If you sold your house and only managed to invest its value in another home after the legal deadline to benefit from the IRS exemption on these amounts, you may be able to obtain an exemption on the capital gains of the value in question. To benefit from this exemption, you need to contact the Tax and Customs Authority (AT) from April 2024. This is because one of the laws of the Mais Habitação (More Housing) programme provides for the suspension of the deadline for reinvesting capital gains for two years from 1 January 2020 , which means that it starts counting from 2 January 2022. According to the AT, in order to benefit from the exemption, you must submit a replacement personal income tax return or file a complaint against the fact that the AT has assessed the personal income tax . You can also make a request for review of tax assessment acts within three years of the tax act, using serious or notorious injustice as a basis. Follow these and other topics in SUPERACASA Notícias
Source: Freepik Author: Redaction The taxation of capital gains arising from the sale of real estate is undergoing changes for non-resident citizens or emigrants in Portugal , as a result of an update to the State Budget for 2023 (OE2023), where capital gains will now be taxed at 50% and subsequently included in the remaining income and the progressive IRS rates will apply to them , something that already happens with Portuguese citizens. The aim is to standardise the IRS taxation of real estate capital gains between residents and non-residents , leading to changes in the State Budget for 2023, which, it is now known, will force emigrants to declare all their income abroad to the tax authorities. The data collected will be used to calculate the progressive IRS rate , applied to resident and non-resident taxpayers, although problems may arise in this matter, since it will not be simple to fill out the IRS declaration in order to fit, within the parameters of national law, all income obtained in any country in the world, which may cause complications to the Tax Authority in the verification of these declarations . How will this measure work? The Tax Authorities have publicly explained how this rule will work and how the taxation regime of real estate capital gains will be applied, in order to promote the harmonisation of procedures. Thus, for non-residents in Portugal, the taxation of income will not be aggregated, with the exception of capital gains arising from the onerous disposal of real rights over real estate and the onerous assignment of contractual positions or other rights inherent in contracts relating to real estate. According to the Tax Authorities: Whenever the law imposes the aggregation of income earned by taxpayers not resident in Portuguese territory, all income earned, including that obtained outside this territory, will be taken into consideration for the purposes of determining the rate to be applied, under the same conditions as those applicable to residents. These conditions will be applied to all income earned since 1 January 2023, in order to allow the calculation of the progressive rate to be applied. Read: Opinion: Golden Visa as the source of all evils , More foreign residents are taking out credit in Portugal
Source: Freepik Author: Redaction Three months have passed since the presentation, on February 16 at the Council of Ministers, of the Programme More Housing, where the Governments plans to combat the housing crisis were made known . And today, May 19, the measures proposed by the Government are up for discussion and vote, in addition to 13 proposals submitted by opposition parties, from which the PAN and the Liberal Initiative are excluded. In focus of the discussion are two measures; the coercive lease of vacant properties and the rules foreseen for Local Lodging. These are the two major measures that are generating controversy and may not even come to fruition, even if they are approved. Below, consult the five proposals defined by António Costas Government, besides the alternative diplomas presented by the opposition: Property sold to the State with the benefit of IRS exemption on capital gains If approved, this measure will allow that capital gains resulting from the sale of real estate to the State or to local councils are exempt from IRS, leaving out capital gains that result from sales made by residents of offshore countries. As for alternative diplomas, the Left Bloc proposed the elimination of tax benefits attributed to real estate investment funds and the limitation of tax benefits attributed to real estate investment funds and the limitation of tax benefits attributed in terms of IMI and IMT, applied to properties that are targets of rehabilitation and are not included in the rental market. And also, according to the Left Bloc, [to eliminate] the regime of non-habitual residents, which grants tax benefits in terms of IRS to non-habitual residents through the purchase of a house . End of Residence Permits for Investment Activity (ARI) The Government intends to eliminate gold visas to combat real estate speculation , having already approved, in the Council of Ministers, the proposal for the end of this programme, which had been created in 2012. However, despite this opinion, Parliament still has to make the approval for this measure to enter into force, although the gold visas already granted (the ARI) - corresponding to about 12,000 - may continue to be renewed under the same conditions currently foreseen. There is controversy regarding this measure , since real estate developers are of the opinion that this is a proposal that may have negative effects for the sector. However, the PSD proposed the creation of a special regime for the Autonomous Regions of Madeira and Azores, in addition to a transitory regime with a ten-year period, so that it may occur gradually. On the other hand, the Left Bloc proposes a vote on a measure that prohibits the sale of real estate to non-residents, regardless of whether they are individuals or companies. Fighting the increase in rents The intention is to limit to 2% the increase of the monthly rents, in relation to the previous value , in all the properties that have been on the market in the last five years, which will be in force until 2030 if this measure is approved by the Parliament. Therefore, the value of the rents will no longer be calculated according to the inflation variation, although the automatic update coefficients relative to the three previous years may be added, if they have not been applied. As for pre-1990 rents that have not been transferred to the New Urban Rental Regime (NRAU), these will be updated according to inflation and will benefit from the IRS and IMI exemptions , as well as from the payment of compensation to landlords. The Left Bloc (Bloco de Esquerda) presented, as an alternative text, a proposal to create ceilings on the value of rents in accordance with each city, with each area of each city, with these ceilings adequate to the values of income in Portugal, sensible ceilings that allow all people to have access to a house . On the other hand, the PCP puts forward the proposal to create a special protection regime for tenants, which limits the value of new contracts in order to guarantee stability in renting and to restrict situations of eviction. Thus, the new contracts would have a maximum increase of 0.43% in relation to the value of the last rent charged, with the condition that the properties have been rented in the last five years. Measures for Local Lodging (AL) There are several measures proposed by the Government for this issue, whose reaction has been mainly of concern and polemic. With the Governments proposal, the new issue of licences for accommodation will be suspended until 31 December 2030 , excluding hostels, guest houses and also local lodgings that operate in inland areas of the country and in the Autonomous Regions of Madeira and Azores. In addition, all licences issued up to the date on which these measures come into force will also expire on 31 December 2030, with the possibility of renewal every five years. At the tax level, the rented accommodation will pay an extraordinary contribution of 20% on the estimated income obtained , based on the application of an economic coefficient and another of urban pressure, to which will be added an increase of the IMI, with these two measures having practical effects only on individual flats. In what concerns incentives for the sector, the Government has in its sleeve a single proposal that targets the owners of fractions that operate as rented apartments , with license registration until 31 December 2022, who choose to make these properties available for rental. If they do so, they may benefit from the IRS exemption on rents until 31 December 2030, however, the lease contracts entered into will have to be signed until 31 December 2024. Shrouded in several controversies, even if approved by Parliament, these measures may not be implemented , since the Association of Local Lodging in Portugal (ALEP) has warned Brussels for the disproportionality of the proposals, as they may conflict with EU rules on restrictions on the creation of companies. Coercive lease for properties that have been vacant for at least two years This measure, whose constitutionality was questioned by the President of the Republic, generating strong controversy, foresees that properties classified as vacant for a minimum period of at least two years will be placed on the rental market. In order for this to happen, the municipalities are the ones who have to signal the properties, through lists sent by the telecommunications, water and electricity companies, with the registration of the houses that do not verify minimum consumption. The owner is notified, having a deadline to make use of the property and, if he doesnt answer or effectively doesnt make use of it, the State can lease the property in a coercive way, through the payment of a rent to the owner that must have a value 30% superior to the median fixed by the parish where the house is located, also taking into account its typology. Excluded from the coercive lease are properties that are not flats and that are located in low density areas, outside the coast and the Algarve zone. Second homes, homes of emigrants or of people displaced for professional, health or training reasons, are also excluded. Two alternative diplomas have been proposed, one by the PCP and the other by the Bloco de Esquerda. The former proposes the creation of a credit line with a reduced rate that supports the recovery and rehabilitation of vacant properties or that is applied in transformation works of properties with commercial use to residential use. The blockists propose an amendment to the Municipal Property Tax Code, so that it will increase the IMI of vacant properties for the Tax Authority, excluding municipalities from this competence. Follow this issue in SUPERCASA Notícias and read also Mortgage Interest Subsidy can now be applied for
Source: Freepik Author: Redaction Following the More Housing Programme , a series of measures will come into force that contemplate, among the various axes, the increase in the available housing supply. The demand for affordable housing is growing and, in this scope, the Government has prepared some trump cards. We are talking specifically about the IRS exemption on capital gains that result from the sale of property to the State , municipalities and Autonomous Regions. Thus, the number of public dwellings will increase and it will be possible to promote affordable rentals. This is a proposal that will be debated in Parliament already next week, on the 19th of May. According to the Proposed Law No. 71/XV/1st: gains resulting from the sale for consideration, to the State, to the Autonomous Regions or to the local authorities, of residential property will be exempt from personal and corporate income tax. Currently, 50% of the value of capital gains is subject to the progressive IRS rates, so there would be an exemption from this tax. However, two exceptions are provided for: When from the sale of a property to the State the gains realised are obtained by residents with tax domicile in a territory, region or country subject to a more favourable tax regime - offshore. When the gains realised from the sale of property to the State are derived from property situated in an urban rehabilitation area. In this case the council can activate its pre-emption right. The law also states that income which is exempt from the payment of IRS on capital gains is compulsorily aggregated for the purposes of determining the rate to be applied to the remaining income . Other exceptions If you sell your house (which is not your own residence property) to amortise the mortgage of your own permanent property, you can also benefit from the exemption of capital gains. The Government has already announced its intentions to suspend the 36-month period between the sale of a property and the reinvestment in another one, giving families more time to invest the capital gains in the purchase of another home of their own. However, to ensure the IRS exemption, before the sale, the property will have to have been the taxpayers own and permanent home or that of his family, as proven through the respective tax domicile, in the 24 months prior to the date of transfer . However, those who made this transaction in the year in which they made the gains and in the three previous years cannot benefit from the capital gains exemption, unless they can prove exceptional circumstances . Tax exemption for accessible renting According to the Government note, housing placed on the market under the Affordable Housing Programme will now benefit from zero taxation. To these will be added zero taxation in terms of IMT and IMI, provided that these are actually intended for affordable housing. In terms of taxation, the Government explains that a zero taxation rate on property income will be applied to all owners of local housing that during 2023 to 2024 decide to move from local housing to the rental market, until 2030. As for the taxation that results from property income, there will be a decision of the general tax rate, which will go from 28% to 25%. This rate, applicable to contracts between 5 and 10 years, will fall from 23% to 15% for IRS purposes, while in contracts between 10 and 20 years, the rate will fall from 14% to 10%. In contracts with a longer duration, over 20 years, the rate will go down from 10% to 5%. More Housing related themes: Works in Lisbons municipal districts to start this year , Statistical Synthesis of Housing - February 2023 or Applications to Porta 65-Jovem open until 30th May
Source: Pexels Author: Redaction The More Housing Program was finally approved , after another session of the Council of Ministers where the measures that, for about a month, were available for public consultation and approval, were revisited. Many of the proposals suffered alterations, and had to be adjusted according to public opinion. The approved proposals, which concern the promotion of investment in affordable rentals, the reinforcement of confidence in the rental market and the mobilisation of the patrimony available to affect housing , will now be sent to the Portuguese Parliament. Prime-Minister, António Costa, recalled: on the 16th of February we put the Mais Habitação programme under public discussion and brought to the centre of the political debate a central issue for the life of the Portuguese (...) There was a lively and participated public discussion, which was extended at the request of the ANMP, which gathered 2,700 contributions. Now, and after two of the law-proposals have already entered into force, specifically the support for rent and the subsidization of interest on housing credit, the measures related to the planning of the territory and the simplification of licensing in new projects will remain under discussion , with a date scheduled for approval at the Council of Ministers on 27 April. According to the Housing Ministers declarations, the diplomas complement the structural response that is in course of reinforcement of the public rental responses , based on several lines of action. They are the following: The stimulation of new private affordable rental projects. These will be done through the cession of lands or vacant buildings belonging to the State and contemplate a line of subsidised financing. In this case, by counting on the predictability of rents, it will benefit from tax incentives and will be integrated in the programme of accessible rents. Reinforcing the role of the cooperative sector Again, through the cession of vacant State land or buildings, with a subsidised financing line and always with the State participating in these projects. Reinforcing the trust in the rental market This intervention includes a reduction in rental taxation, in addition to a swifter justice in terms of market regulation, with special emphasis on the National Rental Counter, which will work as an intermediary. Through the National Lease Counter, the State will be able to guarantee the rents and the social situations of the tenants, allowing landlords to put their houses back on the lease market. Responding to families In this sense, two measures have already been approved - the credit for rent and the credit for housing. In what concerns the Porta 65 Youth, it is established that this will now operate continuously, contrary to the three application periods previously in force, and the New Porta 65 Plus, which will respond to the needs related to drops in income and will also cover single parent families. The intention is to give security to tenants with contracts prior to 1990 and to safeguard the compensation of landlords, with recourse to tax benefits. The Rent to Sublet programme, which involves local authorities, will guarantee that rents do not exceed 35% of household income. Fight against speculation Aims to reduce the tax benefits involved in the resale of properties that are to be put on the market, in addition to a fair rent. This is a short term measure whose objective is to limit the increase in the rents of the new contracts entered into, safeguarding those contracts that are up to the limit of the Rental Support Program. Mobilisation of the Public and Private Assets available This measure will be implemented with recourse to a line of funding granted to municipalities to guarantee conservation works on the public or private property available and to promote incentives to mobilise land for housing use. The second intervention strategy contemplates fiscal policies that, according to Fernando Medina, are aimed at improving the rental and housing market. They are the following: Reducing the taxation of rents The reduction of the general rate applied to rents will go from 28% to 25%, with a tendency to decrease throughout the duration of the lease, so that, in a five-year lease, the rate will go from 16% to 25% and, in a ten-year lease, the rate will go from 23% to 15%. In a ten to twenty year lease, the rate drops from 14% to 10% and, in a lease of more than twenty years, the rate will go from 10% to 5%. Exemption of IMI Applied to properties which are destined for accessible renting or for construction for this purpose, which besides the tax exemption, will now also benefit from the exemption of the Municipal Property Tax. All those who enter into housing development contracts with the State will also be exempt from IMT, stamp duty and VAT on the respective works. IRS exemption on capital gains All sales made between private individuals and the State, where the sale value is for reinvestment in properties destined for affordable housing, will benefit from the exemption of capital gains from the sale of property patrimony for the amortization of loans for their own and permanent home or that of their descendants. Related News: More Housing: ANPAC warns about changes in Local Lodging , Bank appraisal values fall but market remains robust
Source: Pexels Author: Redaction It was common, when selling a property instead of buying a new one, within one year, to be exempt from IRS on the capital gains of that sale. In other words, by applying the sale value in the acquisition of another property, for the purposes of own and permanent residence, one did not have to pay IRS on that value. However, under the new legislative package on housing, this practice is no longer in force. It is still possible to benefit from the IRS exemption on capital gains, but with new limitations. What are capital gains from property? Imagine that you owned a house, which you sold at a certain price. The capital gains are the difference between the value at which you bought the house and the price at which you sold it, which is the surplus. In simple terms, capital gains refer to the gains (or losses, called capital losses) arising from events resulting from any concrete application, regarding tangible or intangible assets. The calculation for calculating capital gains on your property is as follows: Capital gains = sale value - (purchase value X depreciation coefficient) - charges for the purchase and sale - charges for the appreciation in value of the property over the last 5 years To access the coefficient of devaluation, you will have to consult the Administrative Rule at the Customs Tax Authority, which is updated annually. What are the limits on the IRS exemption on capital gains on the sale of ones own home? If you sell your property in the 24 months prior to the date of transfer and the purpose of the sale is to amortize the mortgage of your own and permanent home, or that of your descendants, and if the revenue obtained from the sale is higher than the amount necessary to amortize the mortgage, the remaining value of this business - in other words, the capital gains - will be taxed without any type of exemption and according to the general rules of the Personal Income Tax. You can only exchange your home benefiting from the IRS capital gains exemption if you have not used this tax benefit during the current year or the three previous years or, exceptionally, if you can prove the circumstances for the reason for the acquisition of a new property. Conditions to benefit from the IRS exemption on capital gains - The property sold must have been a tax address, declared in the Finance Department, in the two years prior to the sale; - Not have used this tax benefit during the current year and the three previous years. Thus, the objective is to bar taxpayers from moving house several times, with the exemption of capital gains, limiting these transactions. What are the exceptions? Outside these rules are the capital gains obtained by residents with offshores, i.e. tax residences in territories with more favourable tax regimes. However, according to the government document, if the properties are to be sold to the State: capital gains arising from the sale of residential properties to the State or local authorities are exempt from Personal Income Tax. Therefore, any cases of this nature are subject to approval, in an ordinance from the Tax Department. Was this information helpful to you? Read also Rent in arrears: How does the State support work?
Source: Pexels Author: Redaction Whether its to reduce your carbon footprint or to avoid waste, the kind of choices you make in your diet can affect many areas of your daily life , and its essential to be aware of the tricks that can help you on the journey to a healthier, more sustainable and even more economical life. You will certainly feel that there are aspects of your diet where you can improve, contributing to all these factors in a positive and conscious way. To do so, follow the advice we have prepared for you: #1 Choose seasonal products Besides being tastier and more affordable, seasonal products are more sustainable. Not only will you contribute to the local economy, but you will certainly explore all the available offers. On the contrary, if you buy out-of-season produce, youll be spending more money, as the values are usually higher due to the smaller quantity available, and you probably wont enjoy such a high nutritional quality. #2 Minimise food waste as much as possible Why not reuse food that you were probably going to end up throwing away? With overripe fruit, for example, you could make juices, cakes, jams, or you could always choose to freeze them to consume later. The same with leftovers from meals, which you can divide into smaller portions, freeze, and thus preserve their properties, something that will result in immediate savings. #3 Avoid going to the supermarket on an empty stomach Who has never been tempted to buy much more than they really need on a trip to the supermarket, just because, at that moment, they felt hungry? Weve probably all made that mistake, and by avoiding it you will notice more control over what you choose to take home. Stay focused on your needs and make a list of what is missing in your larder. This way you will avoid unnecessary expenses and you will not be tempted to buy food you probably dont even need. #4 Dose your food correctly It may be tempting to fill your plate with food, but maybe it is not necessary to feel satisfied. We advise you to use your hand as a dosing device, to understand how much of what you need for a balanced meal is correct, thus avoiding not only waste, but also an unhealthy diet that can lead to serious health problems. #5 Cook conscientiously Why not, on days when you use your oven to roast meat or fish, manage the space available for cooking? You can use it to cook the side dishes for that meal, or even the next ones. In this way, you will optimise time and energy, avoiding turning the oven on repeatedly, more than once a day, for this purpose. In one go you can choose to cook the main course, dessert and even the next days meal, if you are careful in your planning. #6 Reduce your consumption of milk and red meat Excessive consumption of dairy products and red meat are the main causes of serious environmental damage. However, there are already several alternatives that you can start adopting in your daily life to make your diet more sustainable, not only for the impact that this choice will have on the environment, but for a healthier and more conscious lifestyle. We are talking, for example, about the various alternatives to cows milk, such as vegetable drinks or soya milk. Or, with regard to meat, alternating and reducing its consumption, choosing white meats, such as chicken or turkey, and giving preference to meals based on a greater use of vegetables and legumes. Now you feel more motivated to start changing your diet? Help the environment and your wallet by following our tips and become a proactive agent of sustainability. You can follow more tips at: Tips to reduce waste at home
Source: Pexels Author: Redaction Christmas is usually a time of high spending, but there are ways to control the amount of money youre spending. Its important, before you start doing the maths, to understand how much money you intend to put aside for this purpose, so that its easier to organise your finances and limit the extravagances typical of the season. Probably, when you hear the word Christmas, one of the first things that comes to your mind is the financial effort involved in making the Christmas Eve or stuffing your tree with presents, however, there are ways to get around this suffocation. You can start planning your Christmas with a more relaxed mind by following the advice that SUPERCASA Notícias has gathered for you. #1 Planning ahead will guarantee you a more balanced budget Starting to buy your gifts with more anticipation, for example, is one of the most effective ways to avoid accumulating all your expenses in a single month, and you will probably have more time to make thoughtful choices, instead of those last-minute gifts that imply more headaches. Planning your Christmas dinner over the weeks (or even months) beforehand will also make more sense, as you can make a complete list of everything youll need and start shopping. Making lists can be an effective help, as you will pay more attention to what is essential and what you can do without, bearing in mind that you will have time in advance to do all the maths and manage your money more easily. The ideal is to start planning now and not save it for the week before. #2 The Christmas bonus can help, but in moderation It is tempting to think of using the Christmas allowance money for the total Christmas Eve expenses, but you may need it in the future. The ideal way to make the most of it would be to take a portion for Christmas expenses and use the remaining portion to boost your savings. #3 Be creative with your gifts and plan for who you are giving them to It is important to have a strategy when it comes to gifts and to be objective. How many people are you giving to? How much money do you want to spend on each one? Organise your budget based on these questions and think about the gifts themselves. You can always opt to play outside the box and offer homemade gifts, with a personal touch and more creative, which will probably be valued in a different way. #4 Christmas dinner can be a sharing moment Once youve worked out how many people will be attending the Christmas Eve meal, why not suggest that guests bring something to share? It can be food, drinks or desserts. It is a way of enhancing the spirit of sharing and relieving the host of expenses. Ensure a happy and headache-free Christmas by starting to apply these suggestions to your budget planning. Dont forget your fixed monthly expenses and make sure you have plenty of room to consolidate them. Read more on Tips for enjoying the Christmas market season
Source: Microsoft e LinkedIn Author: Redaction Microsoft and LinkedIn have announced, in a note sent to SUPERCASA Notícias , the next step in the Skills for Jobs programme, with 350 new courses and six new Career Essentials Certificates for six of the most sought-after jobs in the digital economy being made available for free. The two companies will also offer 50,000 LinkedIn Learning scholarships to support people in digital skills training. By 2025, Microsoft aims to help train and certify 10 million people in digital skills. This launch comes in the context of the Global Skills Initiative, which has helped 80 million people in their job search around the world through access to digital skills resources. Under this initiative, Microsoft has already trained more than 417,000 people in Portugal, who have completed more than 7,000 learning paths on LinkedIn and Microsoft Learn. In the total number of courses taken by the Portuguese, the highlights on Microsoft Learn are Get Started with AI, Create PowerApps and Power Platform Fundamentals and, on LinkedIn, Project Manager, Critical Soft Skills and Data Analyst. Through data provided by LinkedIn and the Burning Glass Institute, Microsoft has identified six of the roles with the highest demand globally: Administrative Professional, Project Manager, Business Analyst, Systems Administrator, Software Developer and Data Analyst. According to what SUPERCASA Notícias can gather, the new courses and certificates will be available in eight languages: English, French, German, Spanish, Portuguese, Chinese, Japanese and Arabic. Andres Ortolá, General Director of Microsoft in Portugal , comments: Although the Global Skills Initiative has been a great success, skills alone are no longer enough for people to get the jobs they want - especially in the most sought-after ones. People - especially career changers - need to show recruiters that they have these skills. Together with LinkedIn, weve launched these new courses and certificates, also in Portuguese, to ensure everyone has an equal opportunity to access skills in an ever-changing digital economy. The new Career Essentials Certificates aim to help bridge the skills shortage, from the most basic, basic digital literacy skills, to the more technical and advanced, providing certifications recognised by industry as essential in gaining employment. Once users have completed a learning path, they receive a LinkedIn badge identifying the certificate they have achieved, while also indicating to employers their proficiency in the skill set. All courses are available on LinkedIn at opportunity.linkedin.com . In addition, Microsoft-developed courses are available on Microsoft Community Training (MCT) and in downloadable format for use in other Learning Management Systems (LMS) for non-profit partners. Read more at SUPERCASA Notícias or at Microsoft announces over 100 products and features at Ignite 2022
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