#ontariocanada — Public Fediverse posts on home.social

Xaeseyes @[email protected] · 2026-09-15 · 11:59 UTC

Runzliger Weidenmann

#ThickTrunkTuesday #TextureTuesday
#ontariocanada #lakeofontario #Natur #naturephotography #photography #panasoniclumix

#thicktrunktuesday #texturetuesday #ontariocanada #lakeofontario #natur #naturephotography

Xaeseyes @[email protected] · 2026-09-15 · 11:59 UTC

Runzliger Weidenmann

#ThickTrunkTuesday #TextureTuesday
#ontariocanada #lakeofontario #Natur #naturephotography #photography #panasoniclumix

#thicktrunktuesday #texturetuesday #ontariocanada #lakeofontario #natur #naturephotography

Xaeseyes @[email protected] · 2026-09-15 · 11:59 UTC

Runzliger Weidenmann

#ThickTrunkTuesday #TextureTuesday
#ontariocanada #lakeofontario #Natur #naturephotography #photography #panasoniclumix

#thicktrunktuesday #texturetuesday #ontariocanada #lakeofontario #natur #naturephotography

Xaeseyes @[email protected] · 2026-09-15 · 11:59 UTC

Runzliger Weidenmann

#ThickTrunkTuesday #TextureTuesday
#ontariocanada #lakeofontario #Natur #naturephotography #photography #panasoniclumix

#panasoniclumix #photography #naturephotography #natur #lakeofontario #ontariocanada

Xaeseyes @[email protected] · 2026-09-15 · 11:59 UTC

Runzliger Weidenmann

#ThickTrunkTuesday #TextureTuesday
#ontariocanada #lakeofontario #Natur #naturephotography #photography #panasoniclumix

#thicktrunktuesday #texturetuesday #ontariocanada #lakeofontario #natur #naturephotography

Kevin Stevens @[email protected] · 2026-09-04 · 02:10 UTC

#brittymigs #comedy #comic #comedian #humor #satire #healthcare #costofliving #affordability #canada #ontario #lakeontario #ontariocanada #allpowertothepeople #nopowertothepigs #fascism #maga #oligarchy #broligarchy #aristocracy #kakistocracy #plutocracy #trump #trumpstein #trumpsteinclass #criminal #crime #corrupt #traitor #corruption #treason #news #usnews #globalnews #policy #politics #uspol #uspolitics #globalpolitics #history #ushistory #worldshitory

#brittymigs #comedy #comic #comedian #humor #satire

Kevin Stevens @[email protected] · 2026-09-04 · 02:10 UTC

#brittymigs #comedy #comic #comedian #humor #satire #healthcare #costofliving #affordability #canada #ontario #lakeontario #ontariocanada #allpowertothepeople #nopowertothepigs #fascism #maga #oligarchy #broligarchy #aristocracy #kakistocracy #plutocracy #trump #trumpstein #trumpsteinclass #criminal #crime #corrupt #traitor #corruption #treason #news #usnews #globalnews #policy #politics #uspol #uspolitics #globalpolitics #history #ushistory #worldshitory

#brittymigs #comedy #comic #comedian #humor #satire

Kevin Stevens @[email protected] · 2026-09-04 · 02:10 UTC

#brittymigs #comedy #comic #comedian #humor #satire #healthcare #costofliving #affordability #canada #ontario #lakeontario #ontariocanada #allpowertothepeople #nopowertothepigs #fascism #maga #oligarchy #broligarchy #aristocracy #kakistocracy #plutocracy #trump #trumpstein #trumpsteinclass #criminal #crime #corrupt #traitor #corruption #treason #news #usnews #globalnews #policy #politics #uspol #uspolitics #globalpolitics #history #ushistory #worldshitory

#brittymigs #comedy #comic #comedian #humor #satire

Kevin Stevens @[email protected] · 2026-09-04 · 02:10 UTC

#brittymigs #comedy #comic #comedian #humor #satire #healthcare #costofliving #affordability #canada #ontario #lakeontario #ontariocanada #allpowertothepeople #nopowertothepigs #fascism #maga #oligarchy #broligarchy #aristocracy #kakistocracy #plutocracy #trump #trumpstein #trumpsteinclass #criminal #crime #corrupt #traitor #corruption #treason #news #usnews #globalnews #policy #politics #uspol #uspolitics #globalpolitics #history #ushistory #worldshitory

#worldshitory #ushistory #history #globalpolitics #uspolitics #uspol

Kevin Stevens @[email protected] · 2026-09-04 · 02:10 UTC

#brittymigs #comedy #comic #comedian #humor #satire #healthcare #costofliving #affordability #canada #ontario #lakeontario #ontariocanada #allpowertothepeople #nopowertothepigs #fascism #maga #oligarchy #broligarchy #aristocracy #kakistocracy #plutocracy #trump #trumpstein #trumpsteinclass #criminal #crime #corrupt #traitor #corruption #treason #news #usnews #globalnews #policy #politics #uspol #uspolitics #globalpolitics #history #ushistory #worldshitory

#brittymigs #comedy #comic #comedian #humor #satire

Hurricane M :mstdn: @[email protected] · 2026-09-02 · 15:19 UTC

Godspeed to all the relocated #belugas & #dolphins. I wish them health & as much wellness as they can get in their new homes.
RIP Peekachu who sadly passed. She made it to her new home in Chicago safely, but sadly her time there was too brief.
Much thanks to everyone involved in the careful transport of these precious animals.
#BelugaWhales #belugawhalesrelocation #marineland #sheddaquarium #seaworldsanantonio #seaworldsandiego #GeorgiaAquarium #ontariocanada

https://www.cbc.ca/news/canada/hamilton/marineland-niagara-last-beluga-9.7327953

#dolphins #georgiaaquarium #ontariocanada #belugas #marineland #sheddaquarium

Hurricane M :mstdn: @[email protected] · 2026-09-02 · 15:19 UTC

Godspeed to all the relocated #belugas & #dolphins. I wish them health & as much wellness as they can get in their new homes.
RIP Peekachu who sadly passed. She made it to her new home in Chicago safely, but sadly her time there was too brief.
Much thanks to everyone involved in the careful transport of these precious animals.
#BelugaWhales #belugawhalesrelocation #marineland #sheddaquarium #seaworldsanantonio #seaworldsandiego #GeorgiaAquarium #ontariocanada

https://www.cbc.ca/news/canada/hamilton/marineland-niagara-last-beluga-9.7327953

#dolphins #georgiaaquarium #ontariocanada #belugas #marineland #sheddaquarium

Hurricane M :mstdn: @[email protected] · 2026-09-02 · 15:19 UTC

Godspeed to all the relocated #belugas & #dolphins. I wish them health & as much wellness as they can get in their new homes.
RIP Peekachu who sadly passed. She made it to her new home in Chicago safely, but sadly her time there was too brief.
Much thanks to everyone involved in the careful transport of these precious animals.
#BelugaWhales #belugawhalesrelocation #marineland #sheddaquarium #seaworldsanantonio #seaworldsandiego #GeorgiaAquarium #ontariocanada

https://www.cbc.ca/news/canada/hamilton/marineland-niagara-last-beluga-9.7327953

#belugawhalesrelocation #seaworldsanantonio #seaworldsandiego #belugawhales #sheddaquarium #marineland

Hurricane M :mstdn: @[email protected] · 2026-09-02 · 15:19 UTC

Godspeed to all the relocated #belugas & #dolphins. I wish them health & as much wellness as they can get in their new homes.
RIP Peekachu who sadly passed. She made it to her new home in Chicago safely, but sadly her time there was too brief.
Much thanks to everyone involved in the careful transport of these precious animals.
#BelugaWhales #belugawhalesrelocation #marineland #sheddaquarium #seaworldsanantonio #seaworldsandiego #GeorgiaAquarium #ontariocanada

https://www.cbc.ca/news/canada/hamilton/marineland-niagara-last-beluga-9.7327953

#dolphins #georgiaaquarium #ontariocanada #belugas #marineland #sheddaquarium

Sexy Brain TV @[email protected] · 2026-09-01 · 04:12 UTC

Pertinent Info You Need to Consider if You are Buying Your First Home in Ontario, Canada | Sexy Brain TV

Pertinent Info You Need to Consider if You are Buying Your First Home in Ontario, Canada

Welcome back to Sexy Brain TV. 😊

Today we are serving the scoop on pertinent info you need to consider if you are buying your first home in Ontario, Canada.

Buying your first home in Ontario is an exciting milestone, but navigating the government grants, tax credits, and rules can feel overwhelming.

Here is your comprehensive, step-by-step manual to maximize your first-time homebuyer financial benefits and strategically use your Registered Retirement Savings Plan (RRSP).

Step 1: Maximize Free Money with Government Credits & Rebates

Before looking at your retirement accounts, ensure you claim every provincial and federal tax benefit available to Ontario buyers. This money either reduces your immediate closing costs or returns cash to your pocket at tax time.

Ontario Land Transfer Tax (LTT) Refund

The Benefit: A maximum refund of $4,000.

How it works: First-time buyers are exempt from paying Land Transfer Tax on the first $368,000 of their home’s purchase price.

How to get it: Your real estate lawyer will apply this rebate instantly at closing, reducing the cash you need to hand over on move-in day.

Toronto Land Transfer Tax Rebate (If buying in Toronto)

The Benefit: An additional maximum refund of $4,475.

How it works: If your home is within the City of Toronto boundaries, you face a double land transfer tax (city + province). Toronto offers its own exemption up to a maximum home value of $400,000.

How to get it: Your lawyer will apply this concurrently with the provincial rebate at closing.

The Federal First-Time Home Buyers’ Tax Credit (HBTC)

The Benefit: A $1,500 non-refundable tax credit.

How it works: The federal government allows first-time buyers to claim a $10,000 tax credit, which translates directly to a $1,500 reduction in the income tax you owe.

How to get it: Claim it on Line 31270 when filing your personal income tax return for the year you buy the home.

Step 2: Leverage the Home Buyers’ Plan (HBP) Using Your RRSP

The Home Buyers’ Plan (HBP) allows you to borrow money from your RRSP tax-free to use as a down payment or to cover closing costs.

Know the Limit: You can withdraw up to $60,000 tax-free from your RRSP. If you are buying with a spouse or partner who is also a first-time buyer, you can pool your accounts for a total of $120,000.

Mind the 90-Day Rule: Any funds you intend to withdraw under the HBP must be physically sitting in your RRSP account for at least 90 days before the withdrawal date. If you deposit money and take it out 30 days later, it will be heavily taxed.

How to Execute the Withdrawal:

Download Form T1036 (Home Buyers’ Plan (HBP) Request to Withdraw Funds from an RRSP) from the Canada Revenue Agency (CRA) website.

Complete the form and submit it to the financial institution that holds your RRSP.

Ensure you have a signed, written agreement to buy or build a qualifying home before making the withdrawal.

The Repayment Timeline: This is a loan to yourself, not free money. You have 15 years to pay the full amount back into your RRSP. Repayments begin the fifth year after you withdraw the funds (a special extension granted by the CRA to give new homeowners breathing room). Every year, the CRA will send you a statement outlining your required minimum repayment.

Step 3: Combine with the FHSA (The Ultimate Strategy)

While you asked specifically about the RRSP, the absolute best way to maximize financial benefits in Ontario is to pair your RRSP with the First-Home Savings Account (FHSA).

The Double-Dip Strategy: You can use both the HBP ($60,000 limit) and your FHSA funds together on the same home purchase.

FHSA Limits: You can contribute up to $8,000 per year, to a lifetime max of $40,000.

Why it beats the RRSP: Like an RRSP, your contributions give you a tax deduction. However, unlike the RRSP, you never have to pay back the money you withdraw from an FHSA as long as it goes toward your first home.

How to get it: Open an FHSA at your bank, maximize it first, and use your RRSP to top up the rest of your required down payment.

Step 4: Step-by-Step Purchase Timeline

To ensure you don’t miss a single dollar, execute your purchase in this exact order:

Open and Fund Accounts: Open an FHSA and an RRSP. If you plan to use RRSP funds, ensure the money is deposited at least 90 days before your closing date.

(1): Get Pre-Approved: Speak to a mortgage broker or bank to lock in a pre-approval rate and determine your exact budget.

Find a Home & Submit an Offer: Work with a Realtor. Ensure your offer includes a condition on financing to protect yourself.

Initiate the HBP & FHSA Withdrawal: Once your offer is accepted, submit Form T1036 to your RRSP issuer and the corresponding withdrawal form to your FHSA issuer. Have the cash moved to your standard chequing account.

Hire a Real Estate Lawyer: Explicitly tell your lawyer that you are a first-time homebuyer. Provide them with proof so they can file the paperwork for the Ontario (and Toronto, if applicable) Land Transfer Tax Rebates directly on the closing documentation.

File Your Taxes Next Spring: When filing your income taxes for the year of purchase, claim the First-Time Home Buyers’ Tax Credit (Line 31270) to get your $1,500 credit.

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#BuyingYourFirstHome #Canada #HomeBuyersGuide #Ontario #OntarioCanada #SexyBrainTV

#buyingyourfirsthome #canada #homebuyersguide #ontario #ontariocanada #sexybraintv

Advocate.com [Unofficial] @[email protected] · 2026-08-28 · 14:34 UTC

At 80, Trump is scribbling on maps. The fool holding the Sharpie is dangerous

https://fed.brid.gy/r/https://www.advocate.com/opinion/donald-trump-lake-ontario-sharpie

#johncasey #lakeontario #ontariocanada

Advocate.com [Unofficial] @[email protected] · 2026-08-28 · 14:34 UTC

At 80, Trump is scribbling on maps. The fool holding the Sharpie is dangerous

https://fed.brid.gy/r/https://www.advocate.com/opinion/donald-trump-lake-ontario-sharpie

#johncasey #lakeontario #ontariocanada

The New York Times - Breaking News, US News, World News and Videos [Unofficial] @[email protected] · 2026-08-25 · 15:28 UTC

Canada Fires Back in Trade War Against Trump With Up to 50% Tariffs

https://fed.brid.gy/r/https://www.nytimes.com/2026/08/25/world/canada/canada-tariffs-trump-carney-retaliatory.html

#customstariff #canada #carneymarkj #trumpdonaldj #forddougjr1964 #unitedstates

The New York Times - Breaking News, US News, World News and Videos [Unofficial] @[email protected] · 2026-08-25 · 15:28 UTC

Canada Fires Back in Trade War Against Trump With Up to 50% Tariffs

https://fed.brid.gy/r/https://www.nytimes.com/2026/08/25/world/canada/canada-tariffs-trump-carney-retaliatory.html

#steelandiron #aluminum #ontariocanada #factoriesandmanufacturing #internationaltradeandworldmarket #unitedstates