Permanent Life Insurance, like WL and UL, as apposed to Term Life Insurance, like T10, or T20, afford permanent life insurance protection. So long as the required premiums are paid as due, is guaranteed to pay out a death benefit, regardless of when death occurs. Term Life insurance on the other hand, pay provided death…
What is a TFSA? The TFSA program began in 2009. It is a way for individuals who are 18 years of age or older and who have a valid social insurance number (SIN) to set money aside tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed as…
Business Owners Should Consider an Individual Pension Plan (IPP) What is an IPP? A difference between an IPP vs. an RRSP is essential for business owners. In this article, I’ll explain the pros and cons of each and provide context for choosing between them. An IPP (individual pension plan) is a lesser known but highly-attractive vehicle for…
OVERVIEW Life insurance provides for your loved ones after you are gone. Living Benefit Plans provide for a lump sum benefit payment upon the first diagnosis of a list of covered contingencies while you are alive. Often maladies strike with devastating force regardless of how well we look after ourselves. External forces and hereditary pre…
OVERVIEW Life insurance provides for your loved ones after you are gone. Living Benefit Plans provide for a lump sum benefit payment upon the first diagnosis of a list of covered contingencies while you are alive. Often maladies strike with devastating force regardless of how well we look after ourselves. External forces and hereditary pre…
From where did the site name 9dots99 come to be. Well let’s analyse that. We need to break that down into two parts, “9dots” and “99”. The conceptual origins of 9dots came from the notion of creative thinking or approach to solving problems. Most have heard of the reference of having to “think outside the…
We are going to take Ted and Gail through the Financial Wellbeing portion of the Life Plan and the necessary considerations therein. Financial Wellbeing is a state of financial balance where inflows of cash exceed cash outflow demands and the attainments of the goals set are on track. If the reverse situation occurs, where one…
The great philosopher Aristotle once wrote, “Man is by nature a social animal.” And while his statement, at the time, had more to do with the benefits of a civilized society than how the human brain may be wired, decades of research in the neuroscience realm has largely supported his thoughts on the matter. At Neuroscience…
Spiritual Wellbeing or spirituality involves the recognition of a feeling, sense or belief that there is something greater than myself; something more to being human than a sensory experience, and that the greater whole of which we are part is cosmic or divine in nature. Spirituality means knowing that our lives have significance in a…
