20-year financial veteran Paul Murphy tackles the tough questions about debt consolidation. From the impact on your credit rating to typical rates for consolidation loans, you’ll learn the pros and cons of using debt consolidation. Debt consolidation. It’s a simple concept—you get one big loan to wipe out lots of little debts—but a technique that … Continue reading Should I Consolidate My Debt?
This report was written by Paul Murphy, a 20-year financial veteran and managing partner at 4 Pillars. In this report, you’ll find a data-backed picture of household debt and bankruptcy in Canada. Key questions answered in this report: What is the average household debt in Canada? What are the signs of a typical Canadian family facing … Continue reading Debt and Bankruptcy in Canada: 4 Pillars’ 2018 Report
20-year financial veteran Paul Murphy explains his system for building a realistic money management plan. If you’d like an expert to review your debt situation, you can contact your local 4 Pillars office here. After working in the finance industry for 20 years, there’s one truth that seems to be proven again and again: people … Continue reading A 10-step money management plan to organize your finances
20-year financial veteran Paul Murphy shows you why the Rule of 72 is the most powerful (and dangerous) personal finance rule to master. It’s the most powerful rule in all of personal finance. A simple formula that has helped geniuses like Warren Buffett turn millions into billions. And a powerful weapon that Canadians can either … Continue reading The simple rule that keeps banks rich—and Canadians stuck in debt
This article explains how 4 Pillars is different from licensed insolvency trustees (previously known as bankruptcy trustees) and other debt consultants. A lot of people in our Debt Bootcamp have been emailing me and asking questions about how 4 Pillars started and how 4 Pillars is different than licensed insolvency trustees and debt consultants. So today … Continue reading How is 4 Pillars different than licensed bankruptcy trustees?
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