Why aren’t they rising? Are they the new normal? Provided by Christian H. DePaul, CFP In November 2012, the interest rate on a 30-year home loan averaged just 3.31%. That was an all-time low. Simultaneously, the 15-year fixed-rate mortgage … Read More
Author Archives: Christian DePaul
Financial Steps to Take Before a Divorce
Wise moves to make before things are finalized. Provided by Christian H. DePaul, CFP Before your divorce goes through, it will be wise to check up on financial matters. It will be better to assess the state of your … Read More
Social Security: Myths vs. Facts
Dispelling some misperceptions about the program. Provided by Christian H. DePaul, CFP Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth … Read More
Are Americans Growing More Optimistic About Retiring?
Pragmatism seems to be replacing pessimism, at least. Provided by Christian H. DePaul, CFP Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the … Read More
October Is National Financial Planning Month
Saving is a great start, but planning to reach your financial goals is even better. Provided by Christian H. DePaul, CFP, MS, CDFA Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning … Read More
Retirees Are Racking Up Credit Card Debt
New statistics point out an alarming financial problem. Provided by Christian H. DePaul, CFP $6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69.1 If you are … Read More
What Expenses Could Change When You Retire?
Some costs could rise, fall or even disappear. Provided by Christian H. DePaul, CFP Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present. Financially, that fact … Read More
Are Americans Growing More Optimistic About Retiring?
Pragmatism seems to be replacing pessimism, at least. Provided by Christian H. DePaul, CFP Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the … Read More
Key Person Insurance
A way for businesses – especially niche businesses – to address a major risk. Provided by Christian H. DePaul, CFP Who are the people most crucial to your business? Have you taken steps to insure them? At every company, … Read More
How Women Are Planning Their Financial Futures
From assorted survey data, an interesting snapshot emerges. Provided by Christian H. DePaul, CFP Women are taking action to approach retirement with greater confidence. Some recent, intriguing survey data indicates that women are planning their financial futures with some … Read More