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Whenever a property is bought or sold in Ontario (or anywhere in Canada), the buyer has to pay a land transfer tax. When you are buying real estate in Ontario, you must be prepared for the extra closing expenses along with the down payment. The name ‘land transfer tax’ might mislead many but in reality; it is more like a property transfer tax. As a home buyer, you must know that the homebuyer pays the land transfer tax on the closing date of the property. No seller will ever have to pay a land transfer tax. To calculate the land transfer rate you will have to pay, you can use an online land transfer tax calculator by filling the purchase price and your location in the blanks. Who can get a Rebate on the Land Transfer Tax in Ontario? Home buyers can save up to $8,475 with the help of the land transfer tax rebate. The eligible first-time homebuyers can receive a maximum refund amount of up to $4,000 on their Provincial Land Transfer Tax and $4,475 on their Munici...

As a small business owner, you’re probably already worried about your business expenses. That is why you might think of saving by reducing your auto insurance coverage, or finding better personal auto insurance to save on your own expenses. But you must keep in mind that personal auto insurance policies can’t be used for business vehicles. It can result in massive fines or even the denial of a claim after you’re in an accident! With commercial or business automobile insurance policies, you will be able to protect all your company vehicles; even if there is just a single one. You must compare insurance rates before you choose one for you. Here are some of the best tips when choosing cheap auto insurance for your small business. 1.     Consider the Coverage you need When thinking about the coverage limits, it’s easy to get confused. You must remember that you need enough coverage to protect your vehicle and business but you must also make sure that yo...