GTA Living

How to Check Your Ontario Driving Record & Demerit Points

In Ontario, you check your demerit points and driving history by ordering a driver record from ServiceOntario (often called a driver's abstract). The most common one is the 3-year driver record: ordered online, the uncertified version costs $12 CAD and is emailed to you as a PDF instantly, and it li

如何查询安省驾照分数和驾驶记录（完整指南）

在安省，你的驾照扣分和驾驶记录都通过 ServiceOntario（安省政府服务窗口）查询，叫做「driver record」（驾驶记录，也常被翻成驾照 abstract）。最常用的是「3 年驾驶记录」（3-year driver record）：网上申请未认证版（uncertified）当场 $12 加元、以 PDF 形式 email 给你；这份记录里就直接列出你当前的有效扣分。根据安省政府官网（ontario.ca / ServiceOntario, 2026），扣分会在违规发生日起在记录上保留两年。完整扣分制度、各类记录区别和价格，下面逐项讲清楚。

Ontario Estate Administration Tax Explained: What It Really Costs to Pass On a Home After Death

The Estate Administration Tax (EAT), commonly called a probate fee, is a tax Ontario charges when the court formally authorizes someone to administer a deceased person's estate. According to the Government of Ontario (ontario.ca), no tax is owed on the first $50,000 of the estate's value, and $15 is

安省遗产认证税全解：房子过世后过户，到底要交多少税？

遗产认证税，俗称 probate fee（遗嘱认证费），是安省政府在批准遗产托管人（Estate Trustee）正式管理逝者遗产时征收的一笔税。根据安省政府（ontario.ca）规定，遗产价值在 50,000 加元以内的部分免税，超过 50,000 的部分按每 1,000 加元（不足 1,000 按 1,000 算）收取 15 加元，约等于 1.5%。它本质上是拿到法院「遗产托管人委任证书」（Certificate of Appointment of Estate Trustee）的入场费，房子往往是其中最大的一块价值。

I Paid My Contractor in Full — So How Can There Be a Lien on My Home? An Ontario Construction Act Survival Guide for Homeowners

A construction lien is a statutory security right under Ontario's Construction Act (formerly the Construction Lien Act) that lets anyone who supplied labour or materials to improve your property — your general contractor, a subcontractor, a worker, even a material supplier — register an unpaid claim

明明付清了总包，为什么我家还能被钉上留置权？安省《Construction Act》给业主的避坑指南

建筑留置权是安省《Construction Act》（前身为《Construction Lien Act》）赋予的一种法定担保权利：任何向你的房产提供了劳务或材料的人——总包、分包、工人、甚至供货商——如果没拿到钱，都可以把一笔欠款登记到你家产权（title）上。麻烦的地方在于，这条权利沿着施工链向上延伸：哪怕你已经把工程款全额付给了总包，只要总包没把钱往下分给分包或工人，那些没收到钱的人依然能合法地在你家产权上挂一个留置权。这就是为什么《Construction Act》强制业主预留一笔 holdback，作为整个施工链的安全垫。

Why Ontario’s Matrimonial Home Is Treated Differently: What Every Couple Must Know Before Selling, Mortgaging, or Separating

A matrimonial home is the property a married couple ordinarily occupied as their family residence at the time of separation. Under section 18 of Ontario's Family Law Act (R.S.O. 1990, c. F.3), what makes a home "matrimonial" is actual occupation as the family residence—not whose name is on title, wh

安省「婚姻住宅」为何与众不同：分居、出售、抵押前必须读懂的家庭法规则

婚姻住宅是指夫妻在分居时仍作为家庭住所「正常居住」的那处房产。根据安省《家庭法》（Family Law Act, R.S.O. 1990, c. F.3）第 18 条，只要一处房产是夫妻分居时共同居住的家庭居所，无论房契上写的是谁的名字、谁先买的、谁出的钱，它都属于婚姻住宅，并因此享有这部法律给予的特殊保护。请注意：这套「婚姻住宅」规则只适用于已登记结婚的配偶，不适用于事实婚姻（common-law）伴侣。