With the new year come a slate of new regulations, as Federal and Provincial lawmakers implement previous pledges. At the national level, Canadians looking to get into the housing market now face a higher barrier to entry due to more stringent stress tests, and small business owners see half a per cent shaved off their tax rate. Provincially, the minimum wage is going up in Ontario, while Albertans will be paying more at the pump due to the rising carbon tax.

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