Author: Steve Szenasi

Whole Life-WL

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…

(IPP) Individual Pension Plan

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…

The 9dots

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…

Financial Wellbeing

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…

Spiritual Wellbeing

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…