![]() ![]() New Home Warranty Program premiums: New home builders in Ontario are required to buy warranty coverage for each home they build, through Tarion Corporation. You should estimate a cost of approximately $250 for a $500,000 home and add $1 for every additional $1000 of the purchase price for this coverage. ![]() To learn more about title insurance, contact your real estate lawyer or ask us and we would be happy to recommend one. In addition, having title insurance eliminates otherwise required steps such as acquiring an up-to-date land survey (approx. Title Insurance (optional): While title insurance is not required, we strongly recommend that you buy it because it protects you against a wide range of risks, including fraud, forgery and title defects to name just a few. (For details about the HST New Housing Rebate program, click here.) In some cases, builders are now including HST in the purchase price so be sure to clarify who pays before your closing date. ![]() HST on New Home Purchases: While new home purchases that close after July 1, 2010, are subject to HST, all new home buyers qualify for a rebate which is calculated by lowering the provincial sales tax applied on the first $400,000 of the purchase price to 2% (resulting in a maximum rebate of $24,000). PST on High Ratio Insurance: Provincial sales tax (8% in Ontario) will be charged on high ratio insurance fees and must be paid upfront at closing (borrowers can add the insurance fee itself to their mortgage balance). By rule, the charge for this certificate cannot exceed $100. This document outlines the condominium corporation’s financial and legal affairs. Status/Estoppel Certificate: For condo purchasers only. While this insurance can be paid for monthly, proof of coverage is required at closing. A reasonable budgeting estimate would be anywhere from $200 to $1000.įire Insurance: Fire insurance is mandatory for anyone requiring a mortgage and the coverage must be at least equal to the mortgage amount or the building value, whichever is greater. IA costs vary by closing date and payment frequency and your mortgage agent can find out the exact amount of your charge ahead of time. For example, if your closing date was on May 23rd and your mortgage term commenced on June 1, your adjustment would be for 8 days. Interest Adjustment (IA): This is an interest-only charge by your lender to cover the time between when your mortgage is funded and when the term of the mortgage begins. Closing adjustments are paid by buyers to sellers to refund any overpayments, and while amounts can vary, an estimate of $1,000 for these adjustments is reasonable. Costs can vary widely but you should expect to pay in the range of $1000 to $2,000 depending on what is involved in the transaction.Ĭlosing Adjustments: In all likelihood the seller will have made payments, such as property taxes and condo maintenance fees, that cover a period that goes past the selling date. Legal Fees and Disbursements: Your lawyer will perform a series of tasks, such as reviewing the Offer to Purchase, performing a title search, registering the deed and mortgage, reviewing your mortgage contract, preparing the closing documents, paying out any disbursements, etc. 5% to 2.75% of the mortgage amount (on standard applications) and you are allowed to add it to your mortgage balance. The cost of this insurance is based on a sliding scale that ranges from. High-Ratio Insurance: If your down payment is 20% or less than the property’s purchase price, your mortgage is called "high ratio" and lenders will require that you purchase mortgage default insurance. First-time home buyers are eligible for a rebate of up to $3,725, which is usually claimed for you by your lawyer when registering the deed ( details). Toronto Land Transfer Tax: Toronto residents pay an additional Municipal Land Transfer Tax, which on a $500,000 home would result in an additional tax owing of $5,725 ( details). First-time home buyers are eligible for a refund of up to $2000 ( details). 5% on the first $55,000 of the purchase price all the way up to 2% on any amount exceeding $400,000 ( details). The Land Transfer Tax (LTT) in Ontario is calculated using a sliding scale where you pay. Land Transfer Tax: On most home purchases, this is your biggest single closing cost expense. To go directly to a specific item, click on any term in the list below. In addition, the summary below provides a brief explanation of each closing cost item. To prevent this, I designed a one-of-a-kind Closing Cost Calculator, to help you budget appropriately (please note that it provides an estimate only). Regrettably, some first-time home buyers are blindsided by closing costs when they get to their lawyer’s office on the big day. ![]()
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![]() ![]() Windbound is a combination of Breath of the Wild’s survivalist theming and gameplay mechanics with Wind Waker’s sailing. But what if The Wind Waker were an RPG? You might say that the game would need an extensive crafting system, a progression of tougher enemies to handle in the mid-to-late game, and maybe even some roguelike elements? Eh, sure, why not? Throw in some big boat mechanics, and maybe you’ll have something decidedly not-Zelda, less of a Wind Waker and more of a… Wind BOUND. Yes, I know that The Legend of Zelda series immediately sprung to mind, which is good! There are plenty of entries in the Zelda series that wouldn’t make the cut as RPGs, one in particular being The Wind Waker. Instead you just tried to piggy-back off of better ideas and couldn't even manage to do that right.Imagine, if you will, a game that isn’t an RPG. ![]() So as per my experience, the only option implemented that can vary you experience of this game which blatantly rips off the concepts of multiple big-name IPs to begin with, doesn't even work. I reload after death (and have continued to try doing so by suspending, closing, exiting the game and turning off the console) and I am back to square one, no progress, no items, nothing. I got to the fourth chapter, a monster wandered up to my marooned ship, and continually pulled me off of it until I died. I enabled Storyteller for my first playthrough specifically for the purpose of enjoying what the developers made without losing it at the cost of beginners' mistakes. On Nintendo Switch, Survivalist and Storyteller modes have no discernible difference. Now I don't know if this is a cross-platform issue, but I encountered a rage-inducing impact to my experience with this game that brought it Now I don't know if this is a cross-platform issue, but I encountered a rage-inducing impact to my experience with this game that brought it from a mid-to-high score back all the way down to zilch. It gets a 1 because underneath this awful trash fire I can tell there was the possibility of a decent game. You’d be better off never upgrading your boat and simply rowing through the game. Resources are scarce and sailing is an absolute nightmare. Your stamina will immediately drop after eating and your character will be perpetually hungry. ![]() It does blatantly rip off elements and styles from games like BOTW, but fails to use them in any meaningful way and thus falls flat. The worst pita rat about this is the game seems like there is actual potential, but somehow just threw it away. Not just the worst “survival” game I’ve played, but one of the worst overall games I’ve ever touched. The inventory is frustrating, the sailing is ridiculous, the combat is simple and repetitive and the story is lacking. The only thing positive I can say about it is that it has an interesting artistic style…I guess. Crafting includes food, weapons, survival tools and upgrading your boat, improving your boat is extremely rewarding and you can build it the way you want, and since you need to survive tides, sea creatures and other kind of hazards it is a core mechanic on this game, Combat is rather simple but that is not a bad thing, you face big monsters to obtain unique materials, you have melee (spear/knife) and ranged combat(bow/slingshot) to complete this task and even minor stealth mechanics, every chapter the game introduces new types of creatures and types of biomes I highly recommend this game, if you like survival/crafting games. In storyteller you don't lose anything, this mode is perfect for those who are not into that kind of gameplay. You can pick from a survivalist mode, or storyteller mode: If you die in survivalist you lose most of your items upon death, except the ones you held in your possession outside your pouch (if you have any), but you retain all the skills and crafting recipes obtained between chapters, this include some unique unbreakable items. If you like rogue-like survival games, great music, beautiful art style and a decent crafting system you should try this game, the only If you like rogue-like survival games, great music, beautiful art style and a decent crafting system you should try this game, the only problem is that navigating in your boat gets a little wanky at times. ![]() ![]() 39…I say no buddy take the coleslaw out, aight drink and meal $ 13. 29 already okay cool add in a drink a coleslaw and you’re at $ 15. Gets more confusing, a combo meal should include a drink but I didn’t see that this meal doesn’t, so the meal with out a drink is $ 10. Wing Zone 2115 Bloomingdale Rd Suite B, Glendale Heights, IL 60139 Not accepting online orders Order Now on the. This was my experience: I ordered the 6 strip combo w/fries a 3oz coleslaw and drink Pros: the fries were good, the sauce hot, clean restaurant, barqs cream soda hell yeah Cons: here we go… Walked in at 11: 01 ordered the 6 strip combo, and the employee asked me if I wanted coleslaw or fries, the picture depicted and scripted that it came with fries and a 3oz cup of coleslaw, so confused I say I whatever give me a small coleslaw on the side, okay no biggie. Wing Zone 2115 Bloomingdale Rd Suite B, Glendale Heights, IL 60139 Not accepting online orders. If you’re in Glendale Hts., IL or anywhere in the area, phone-in, pick-up or order online for:īuffalo chicken wings, chicken tenders, buffalo shrimp, chicken sandwiches, burgers, fresh salads, desserts Party Platters and more.UPDATE: the general manager offered me and my friend a complimentary meal for the past inconvenience and the service and food were a lot better this time around. ![]() Chicken Restaurants in Glendale Heights, IL. Tame, Buffalo Bliss, Hot Shot, Nuclear Habanero, Tokyo Dragon, Mango Fire, Smokin’ Q, Thai Chili, Garlic Parm, Honey Q, Sweet Samurai, Lemon Zinger, Liquid Gold, Cinnamon Maple, Blackened VooDoo, and Cool Ranch. View Phone, Address, Website, Reviews, Complaints, Compliments and Similar Businesses to Wing Zone. Wing Zone of Glendale Hts., IL offers the greatest variety of buffalo wing sauce flavors in Glendale Hts., IL, including: Wing Zone is one of the nation's fastest-growing takeout/delivery chains - known for its award-winning flavors of fresh, cooked-to-order buffalo chicken wings, chicken tenders, buffalo shrimp, chicken sandwiches, burgers, fresh salads, desserts and more. ![]() Wing Zone in Glendale Hts., IL Coupons to SaveOn Food & Dining and Casual Dining ![]() ![]() ![]() Here are tips to get your best mortgage rate Shop for a lower rate: Rate shopping doesn’t have to take long, and it’s well worth the savings.However, you will pay more in total interest over the life of the loan Longer loan term: A longer loan term means lower monthly payments.Avoid private mortgage insurance: When you put at least 20% down on a conventional loan - or 20% home equity on a refinance - you can avoid paying monthly private mortgage insurance premiums (PMI).Also, the best mortgage rates generally go to borrowers with larger down payments, among other qualifying factors Bigger down payment: Putting more money down means you’ll borrow less. ![]() Lower purchase price: The less you borrow, the lower your mortgage payment.If your mortgage calculator results are not yielding the lower monthly payments you hoped for, here are several techniques to try: To find out how much house you can afford based on your monthly budget.To find out how much house you can afford based on your annual household income.To find the monthly mortgage payment on a home, given current mortgage rates and a specific home purchase price.You can use the mortgage payment calculator in three ways: ![]() You should adjust the default values of the mortgage calculator, including mortgage rate and length of loan, to reflect your current situation. This mortgage payment calculator will help you find the cost of homeownership at today’s mortgage rates, accounting for principal, interest, taxes, homeowners insurance, and, where applicable, homeowners association fees. >Related: How to buy a house with $0 down: First-time home buyer How to use this mortgage calculator ![]() ![]() ![]() For more information on whether or not your truck can handle the ski sprayer, give our sales team a call at 1-86. The express water tank skid is recommended for 1-ton trucks or larger. See below for additional features of the skid sprayer. The fire hose kit comes with the 50' x 1" hose and reel on a swivel base. The optional fire hose kit provides fire suppression and protection. ![]() The water skid unit comes with a suction hose, fire hose and nozzle, galvanized spray bar and manifold. The 500 gallon skid sprayer comes with the 2" Tsurumi pump and Honda engine. When it comes to reliable, direct watering and spraying, you can't miss with the 500 gallon skid sprayer. Contact Us for information on other liquid storage options, give our sales team a call at 1-86 or contact us through our webform for detailed, fast information. and our team will work with you to provide the equipment that fits your needs, delivered within the time frame that you need it. All capacities listed are for use with water storage. Looking for other features? We have an assortment of water trailer vendors with an extensive offering of styles, sizes, and components at exceptional pricing. The water tank skid is a must for remote landscape watering and even for the tackling small grass fires and hay bale fires before they grow into larger problems. This water tank skid comes with an optional fire hose kit with a 50' x 1" hose and reel on a swivel base. Take watering and spraying wherever it's needed on your property with the 500 gallon skid sprayer. Water skid sprayers are available in other sizes, and with other options as well. This particular water tank skid is recommended for 1-ton trucks or larger. We also carry 1025 gallon skid sprayers that are sized to fit in the back of a dump truck for impressive large-scale water storage and spraying. Skid sprayers fit in the back of most pickup trucks, utility vehicles, and transport units. The 500 gallon skid sprayer offers the same durable, reliable water storage and water spraying as a water trailer, but in a sleek skid design that's made for use in remote areas where water may not be as accessible. Skid Sprayer Reliable Water Skid For Sale ![]() ![]() ![]() Here are 27 of the Instagram Story Highlight icon sets available online, starting with our top pick… 1. Now you know a little more about what Instagram Story Highlights are as well as how they can be used, Let’s jump into the list. Many businesses and influencers use Story Highlights as an extension of the Bio section to provide product information as well as business details and more using the Highlight feature.Ĭhanging your Highlight icons is easy, all you have to do is click Edit Highlight > Edit Cover and then choose an image from your gallery. However, you can use a custom Highlight icon like the ones in this list, to categorize your highlights, which makes it easier for your followers to find the Stories they want to see, without too much hassle. If you don’t change your icon, it will appear as the first of the picture from the Highlight reel. When you create a Highlight, it will appear at the top of your profile below your bio, in the form of a small circular icon. On Instagram, you can create Highlights, which are essentially archives of previous Stories that you’ve posted. ![]() Instagram Story Highlight icons, also referred to as Highlight covers are images that can be used as the cover photo of your Highlight reels on your Instagram profile. What is an Instagram Story Highlight Icon? ![]() We’ve listed a mixture of free and premium options, so you’re sure to find something that matches your budget and your style.īefore we jump into the list, let’s first talk about what an Instagram Story Highlight icon is and how to change them. That’s why we put together this list of the 25 Best Instagram Story Highlight icons available online. Find the most applicable free icons for your Instagram Story Highlight cover in our media library. If you’re running a page for your brand, create highlights for your FAQ, product list, customer reviews, and other information. However, if you’re not an artist or designer, then creating your own Story Highlight icons is probably off the cards. Add or remove pages, depending on the number of thumbnails you want. Instagram Story Highlight icons can help you to organize your Stories to make it easier for your followers to find information, and they can also make your profile look more visually appealing and professional. Want to make your Instagram profile look more professional and ‘aesthetic’? What you need are Instagram Story Highlight Icons. 25 Best Instagram Story Highlight Icons (Free & Premium) ![]() ![]() ![]() The muscle will become used to applying maximal effort and this will translate to a quicker and stronger contraction for a few short reps, which is optimal for athletes looking to gain explosiveness in a certain activity. ![]() In contrast, athletes looking to increase explosive strength will want to put the target muscle under the most total amount of tension or peak contraction. The higher the level of constant tension, the more microscopic tears in the muscle and eventually the bigger and stronger the muscle will become. For individuals looking to gain lean muscle mass, the best way to achieve this is by constant or average tension on the target muscle. This may sound overwhelming at first but let me explain. Most people have been lead to believe that in order to gain muscle and sports performance they need to hit the weights for hours on end, until now.īret Contreras, a certified strength and conditioning specialist has developed a comprehensive study analyzing a variety of common exercises and which ones provide the best average contraction and the highest peak contraction on major muscle groups. This can be seen with the popularity of short workout videos and programs such as Tabata that provide the benefits of extended workouts without the time commitment that most need. Every single client I have met is looking for the highest bang for their time-commitment buck. Everyone is under some variety of time crunch situations, either with work, kids, school we can all relate. The main reason people make for not exercising is time. Commercial Equipment Floormodels/Pre-Owned.New Science Reveals How to Maximize Workouts In A Shorter Time – Spartan Fitness ![]() ![]() ![]() Cash flow has long been a top challenge for small businesses, and customers that consistently fail to meet credit terms are a major contributor to this problem.Intuit accepts no responsibility for the accuracy, legality, or content on these sites.East, Nordics and Other Regions (opens in new tab) Intuit does not endorse or approve these products and services, or the opinions of these corporations or organizations or individuals. We provide third-party links as a convenience and for informational purposes only. Readers should verify statements before relying on them. does not warrant that the material contained herein will continue to be accurate nor that it is completely free of errors when published. Accordingly, the information provided should not be relied upon as a substitute for independent research. does not have any responsibility for updating or revising any information presented herein. No assurance is given that the information is comprehensive in its coverage or that it is suitable in dealing with a customer’s particular situation. Applicable laws may vary by state or locality. Additional information and exceptions may apply. This content is for information purposes only and should not be considered legal, accounting, or tax advice, or a substitute for obtaining such advice specific to your business. Here are the main differences between the two methods: The report then makes adjustments to reconcile net income to net cash flow from operations. ![]()
![]() ![]() In addition to offering three delivery options, Fashion Nova now offers Standard Shipping, Express Shipping, and Rush Shipping. Shein app offers Standard Shipping, Express Shipping, and Economy Shipping as its three primary shipping options. ![]() When placing an order, you have to consider many things, such as return policy, delivery fees, and speed.Ĭustomers using the Shein and Fashion Nova applications have several shipping options to choose from to get their chosen products delivered to their doorstep safely and within the allotted time. But the finest place to get inexpensive clothing is SHEIN. These websites also sell branded apparel. On Shein, you can buy everything at a very reasonable price, from denim to swimsuits. On the other hand, if you visit SHEIN and add 20 items to your cart, your total expected spending will be between $100 and $150. At Fashion NOVA, if you add at least 20 items to your cart, you should plan to spend $200 or more. The cost of shopping at Fashion Nova is high. You can discover affordable clothing at both stores, but here’s what you should note:įirst, Fashion Nova is much more expensive than SHEIN. Your budget will play a big role in deciding between Shein and Fashion Nova. It is highly recommended to get clothing from Fashion Nova for the hottest trends if you want to purchase high-quality clothing at reasonable pricing.įashion Nova items are of excellent quality and chic, plus they’re always getting sold out! So, yes, Fashion Nova is an incredible clothing store. The company is recognized for offering the majority of its products for less money, but if you browse its website, you can find that its prices are not quite as cheap as the promotion. Although the clothes produced by this company are cute and trendy, it wouldn’t be delusional to compare their quality to expensive designers. Shein items are typically not of great quality, but you can get really nice stuff from them sometimes. Related: Shein vs Zara: Which Has Better Clothing? Fashion Nova vs Shein: Clothing Quality Since there is so much pressure in the fashion world, let’s look into who is winning between these two brands? Both websites purchase their stock from the same supplier, although SHEIN is always the better choice when shopping for cute clothing. The interesting thing about buying on either website is that they both have the precise same products. More than anything else, these reviews have boosted the audience for the businesses. They are unable to settle on a brand that draws loyal customers.įashion Nova and Shein are well-known online stores with great positive customer reviews. Although some customers still find it difficult to pick between both stores despite their amazing success. ![]() Almost every girl visits SHEIN and Fashion Nova to get the perfect outfit for the day. ![]() ![]() ![]() Cubby! Vixey! Let's play at Soda Falls!.We're sure you'll like this forest too!.Vixey! Pandy! Let's hurry up and show the forest!.Let's make a mountain of Jellies and give them to our new friend!. ![]() You already started on those Jellies without us.?.We brought presents! Why are you smiling already?.Sorry, we are late to the party! Preparations and all!.Let's fly! Let's play! Let's go see the sky!.Are you scared of my roar? *tiny rawr!*.I can pounce really good! So erm.watch out!.Fig Cookie: Hihi! Want to hear an ol' forest tale? (Friendly).Crowberry Cookie: I'll play with you, if you bring me shinies.Churro Cookie: Though you are still a mystery to me, I know that I can trust all of you.Wind Archer Cookie: Ah, the young ones who follow me around.Pancake Cookie: No, I can fly better! (Rival).Kumiho Cookie: No, I'm a real cookie! (Tension).Snake Fruit Cookie: Don't go where there are snakes! (Tension).Crowberry Cookie: A crow! Let's play! (Friendly).Churro Cookie: Thanks for your help! (Trust).Fig Cookie: So many animals living in your forest.! (Friendly).Squid Ink Cookie: So many legs to count! (Friendly).Moon Rabbit Cookie: Bunny rabbits live in Dessert Paradise too! (Friendly).Wind Archer Cookie: We missed you! Let's play! (Trust).Pancake Cookie: I can fly better! (Rival). ![]()
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