Donât argue with your veterinarian on this one. The point is not to quibble over words but to get results. So if your vet happens to be an insensitive boor when it comes to delivering advice (as I can be), let it go.Whatever you do, just admit that the person youâve charged with helping to maintain your petâs health has recommended he lose weight.onât argue with your veterinarian on this one. The point is not to quibble over words but to get results. So if your vet happens to be an insensitive boor when it comes to delivering advice (as I can be), let it go.
In New York, the seller traditionally pays the transfer tax. Transfer taxes can become a negotiating point during closing. For instance, in a strong sellerâs market, the seller may have multiple offers and will likely find a buyer who agrees to pay the transfer tax and other closing costs.
Normally, buyers have to pay a state tax on the full dollar figure of any mortgage, known as a mortgage recording tax. With a CEMA, however, a buyer is only required to pay the tax on the so-called new money, the funds that they borrow from the bank, and not the portion that they take on from the seller. For instance, if you're buying a $1 million dollar property and taking out an $800,000 mortgage, you'd be taxed on the full amount of the loan at a rate of 1.925 percent, totaling $15,400.