By Winnie J Luk Congratulations on the purchase of your condo! The following are typical closing documents that the Purchaser must sign in a resale condo transaction explained in plain language. The terms Purchaser and Borrower are used interchangeably. Acknowledgement and Direction (Transfer) In this document, the Purchaser authorizes the
Read more简体 | 繁體 Congratulations and welcome to your new home shortly! Typically, your keys will be available: (for pre-construction homes) after 3:30pm at the construction trailer or sales office (for pre-construction condos) after 3:30pm at the site management office or concierge (for resale home or condos) before or by
Read moreBy Winnie J Luk When applying to sponsor your spouse or family members for Permanent Residency in Canada, Citizenship and Immigration Canada ("CIC") requires that both the applications for sponsorship and permanent residence be submitted at the same time. Picture However, the applicant may choose to apply inside
Read more简体 | 繁體 By Winnie J Luk Using a prescribed rate loan to split investment income with a spouse, common-law partner or even your kids is one of the most recommended tax planning strategies available to families. Picture Income splitting involves shifting income from the hands of a family member in
Read more简体版 | 繁體版 By Winnie J Luk The agreement of purchase and sale, an eight-page document with 28 sections, can be complex and difficult to understand. The Toronto Real Estate Board has published a version that is annotated in red in plain language for homes and condos for ease of reader
Read moreEnglish Version 聯名法律代表：夫妻或伴侶的互惠遺囑或鏡子遺囑 在多種情況下，夫妻或伴侶可以簽署聯名法律代表，並共同與律師辦理互惠遺囑或鏡子遺囑。互惠遺囑或鏡子遺囑細節大致相似，目的都是將配偶或伴侶的資產傳給另一方。 律師有職責保密及公平地辦理各方要求。然而，律師必須透露雙方意願及分歧。換句話說，有意辦理互惠遺囑的伴侶應該互相信任。 假如雙方決定結束夫妻或伴侶關係，並且有意更改或取消互惠遺囑或鏡子遺囑條項，原先律師會建議雙方徵求個人法律代表，以保障個人公平對待及避免在辦理個人遺囑時出現利益衝突。 請注意，安省法例沒有聯名遺囑。每個人必須辦理個人遺囑。 陸韻玲安省註冊律師能夠協助您的遺囑及遺產規劃事宜。有關遺囑的諮詢，請點擊這裡。 Disclaimer: This article does not contain legal advice and only provides general information. It is not intended to replace advice from a qualified legal professio
Read moreEnglish Version Chinese translation courtesy of Andrea Lau. Original English article by Winnie J Luk 遺囑必須通過法庭認證才有效。遺囑認證通過及繳付資產管理稅以後，立遺囑人能使用遺產承辦證書委任遺產受託人並開始履行遺囑意願。 資產管理稅(Probate)是按照合理市場價值計算。遺產價值首五萬，稅率為0.5％，五萬以上部分，稅率為1.5％。安大略省資產管理稅率是北美最高。 以下事項是免資產管理稅： 1）擁有在生者享有權聯名財產； 2）有指定受益人的保險政策； 3）安省以外房地產； 4）有登記房屋按揭貸款 請注意以下有關聯名財產的風險： 1）業主可能會失去部份資產控制權； 2）資金會有被挪用的風險； 3）業主可能關係破裂； 4）聯名財產業主的配偶可能會在離婚訴訟要求聯名賬戶權； 5）破產受託人可能會在破產程序中爭辯破產聯合賬戶權； 6）主要居住地址免稅特權；
Read moreEnglish Version. By: Winnie J Luk Translation: Andrea Lau 在加拿大留學的大專學生一般可以在完成學業後在加拿大生活及工作三年。畢業後並得到加拿大工作經驗者有更大機會獲得加拿大永久居留權。 外國學生可以使用以下途徑申請永久居留(PR)卡： · 經驗類移民 · 省提名(PNP計劃)移民 · 聯邦技術移民 經驗類移民 經驗類移民是最常用的移民方式，申請人一般需要在畢業三年內有至少12個月的全職經驗（或等量兼職）才能申請經驗類移民。加拿大國家職業分類表列明有資格申請的職業類別(零,A,或B級)。 省提名(PNP計劃)移民及聯邦技術移民要求嚴格但過程比較快捷。 省提名(PNP計劃)移民 省提名PNP計劃移民申請人必須在管理及專業技術行業就業，並有僱主作保證人。僱主必需向安省申請提名表格。2013年安省約有1300份提名表格。 聯邦技術移民 聯邦技術移民計劃的申請人必須完成兩年的博士課程，或正在等待開始博士學位階段以及有至少一年有關工作經驗。加拿大每年只批准1000份技術移民申請。 申請永久
Read more中文版 By: Winnie J Luk Translation: Andrea Lau Foreign post-secondary students in Canada may be interested in living and working in Canada after completing their studies. Generally, such foreign students who have graduated and went on to obtain skilled work experience in Canada may be in a good position to
Read moreAdvance care planning is the process by which you may consider options about future health care decisions and let others know of your personal care preferences in the event that you become incapable of consenting to or refusing treatment or other care. An Advance care plan may involve appointing a
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