Ah, writing the time in words is like painting a beautiful picture with letters. To write 9:45 in words, you simply say "nine forty-five." Just imagine the words flowing gently like a happy little stream on your canvas of communication.
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To write 9.45 in words, you would typically write it as "nine forty-five." This follows the standard convention for expressing time in written form. It is important to note that when writing time in words, you should use a hyphen between the tens and ones places to indicate the minutes.
Literally, 9:45 is nine forty five; it could also be described as a quarter to ten.