inkwellThis is the personal blog site of Steve (Istvan) M. Szenasi, a Canadian with a Hungarian birthright. The opinions expressed are personal, well intentioned and based on a lifelong of personal experiences and observation with the bias that comes with those experiences and observation. Nothing in these blogs is intended to offend or harm anyone or anything. It is mere observations and opinions which if spurs debate, fantastic. The perspectives are from a Canadian viewpoint with a strong US influence. From exchange of ideas often comes harmony and consensus which almost always leads to happiness and contentment.~

TermsPrivacyIn the following Terms and conditions Of Use – “us” and “we” means and “you” “your” and “users” means the user or users of the site.

Use of this site signifies acceptance of the Terms and Conditions of Use. If for any reason you do not agree to all of these Terms and Conditions of Use, you show disagreement by exiting the site immediately.

We reserve the right to modify and update these Terms and Conditions of Use at any time.

We make no representation that the information in any linked sites is accurate and will not be held accountable for any inaccuracies.


Insurance or any other product actually purchased or any purchase initiated from this site will be subject to the applicable laws and, the terms and conditions of the applicable contract evidencing any purchase, as issued by the financial institution with whom the contract was consummated.


We are committed to data security, and protects your personally identifiable information. Use of your personally identifiable information is only to prepare your profile.

Unless you expressly give us permission to do so, or unless required by law, We will not wilfully use or disclose personally identifiable information. We never resell, trade, lease or rent the personally identifiable information of our users to other companies.

We does not use “cookies”, however, we may choose to do so in the future. Cookies are one or more small text files saved on your computer’s hard drive and stored in memory while your browser is running. Most web browsers automatically accept cookies, but you can change your browser’s settings to prevent that. Otherwise we may store your personally identifiable information only to offer you products and services and future membership opportunities.

Although our security efforts are consistent with industry practice in Canada, your complete privacy, confidentiality and security is not yet possible over the Internet and, therefore, cannot be guaranteed. As a result, we shall not be responsible or liable for any harm or loss resulting from your transmission of any information to us.


This site includes certain content which is provided from sources believed by “Us” to be accurate, however, “We” make no representations regarding the content of the Site or the results to be obtained from use of the information from and within the site in terms of timeliness, correctness, accuracy, reliability, or otherwise.


In no event whatsoever shall “WE”, our suppliers and licensees or any third parties mentioned on the site be liable for any damages, including without limitation, incidental or consequential damages, lost profits, or damages resulting from the loss of any data or business interruption, which may result from the use of or inability to use this site, any of the content contained on the site or linked by or to the “OUR” Site.


As “WE” may accept and post advertising and other content from third parties and may further allow certain third parties to post subscription offers and or registration services through this website, please note that in all such circumstances, “WE” in no way are responsible for the actions or individual policies of such third parties and users are hereby informed that they should carefully check the individual privacy and other policies of all such third-parties prior to providing such third parties with any information of a personally identifiable nature. In addition, such third parties will at no time have any access to any personally identifiable information entered and stored on on our site.

This information is subject to change and update at any time without prior notice. Consult our site regularly for complete information about our products and services. The information provided on this site is not intended to provide you with legal, insurance or other advice and we shall not be responsible for any detrimental reliance you place upon this site or its contents.


Comments are welcome. Civility and constructive dialog are expected and respected regardless of you point of view. What will not be tolerated is foul language, bigotry, or incitement of any form. To comment, you need to register to the site and be logged in. All comments are moderated, prior to publishing. Failure to observe the rules and conditions will  result in banishment from the site.~





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