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Why You're Probably Doing Better Than You Think
If you spent a day scrolling through social media, you would probably develop an expectation of success that meant being a millionaire by...
Thomas Hayes
Aug 282 min read


Tariffs, Trade Deficits, and the Recent Sell Off
Saying the market action the past few days has been negative would be an understatement. Thursday and Friday of last week was the...
Thomas Hayes
Apr 84 min read


Saving For Your Child’s Future: 529 Plans vs. Custodial Accounts
Planning for your child’s future can be a scary proposition. By 2040, the cost of an in-state, four-year public university could cost as...
Thomas Hayes
Jan 105 min read


Politics & Portfolios: Does the Party Holding the Presidency Really Matter?
As we head into another presidential election cycle, investors are expressing concern about how the outcome will impact their portfolios...
Thomas Hayes
Oct 15, 20242 min read


The Fed is Late to the Party...Again
A few months ago, I dove into the reasons the Fed is seemingly always behind the curve on policy changes (https://www.cedarhillfinancialg...
Thomas Hayes
Aug 2, 20242 min read


How Much Can I Withdraw in Retirement? The 4% Rule and Beyond
Are you dreaming of lazy mornings sipping coffee on the porch while the sun rises, or perhaps envisioning exotic vacations and endless...
Thomas Hayes
May 3, 20243 min read


Why the Fed is Always Late to the Party
In late 2021 as inflation moved higher, Chairman of the Federal Reserve Jerome Powell wanted to wait “to see the whites of the eyes” of...
Thomas Hayes
Apr 1, 20242 min read


America’s Pessimism Pandemic
Human behavior is contagious. If you see someone yawn, you might suddenly feel tired, or start to yawn with them, people even mirror the...
Thomas Hayes
Mar 7, 20243 min read


Compound Interest: Bigger Hill, Bigger Snowball
Albert Einstein once called compound interest “the eighth wonder of the world. He who understands it, earns it, he who doesn’t pays it”. ...
Thomas Hayes
Feb 16, 20242 min read


You Buy the Missiles in the Air
One of my favorite stories about how people react to times of crisis in the stock market, is about the great Art Cashin, a legendary...
Thomas Hayes
Jan 6, 20242 min read


Was Inflation Transitory After All?
Going into 2022, there was consensus on Wall Street that the Fed had it wrong, inflation hadn’t been transitory, and they had caused...
Thomas Hayes
Dec 28, 20233 min read


Year In Review: Weathering The Storm
Coming into the end of 2023, the S&P 500 is up 23.47% year-to-date, after a sell off of 19.44% in 2022.[1] This year has really...
Thomas Hayes
Dec 19, 20232 min read


Luck, Opportunity, and Controlling What You Can
I recently finished reading Morgan Housel’s new book, Same As Ever: A Guide To What Never Changes, and one quote from the book that...
Thomas Hayes
Dec 5, 20233 min read


The Wisdom of George Costanza and Warren Buffet
Warren Buffet once said, “Be fearful when others are greedy, and greedy when others are fearful.” This quote is famous all over Wall...
Thomas Hayes
Nov 15, 20232 min read


Is Buying a Home More Financially Beneficial Than Renting?
The age-old debate of whether to buy a home or to rent continues to challenge many prospective homeowners. This question has become even...
Thomas Hayes
Oct 20, 20232 min read


Understanding Restricted Stock Units (RSUs) and Their Role in Employee Compensation
In the realm of modern employee compensation, companies often use various strategies to attract, retain, and motivate their employees....
Thomas Hayes
Sep 12, 20233 min read


Why Higher Interest Rates Haven’t Caused a Consumer Slowdown
In 2020, as a global pandemic gripped the world economy, the Federal Reserve cut the federal funds rate to a target range of 0%-.25% in...
Thomas Hayes
Aug 21, 20233 min read


Whole Life Insurance vs. Term Life Insurance and a Diversified Portfolio
I always tell clients to be aware of the incentives life insurance agents may have to sell you certain policies. You don’t want to get...
Thomas Hayes
Jun 27, 20234 min read


Should I invest in rental properties or invest in a portfolio of stocks and bonds?
Should I invest in rental properties or invest in a portfolio of stocks and bonds? This is a common debate on social media, so let’s...
Thomas Hayes
Jun 14, 20233 min read


Should I pay off my loan, or invest the money?
I recently saw a post that posed an interesting question, “Should I buy a covered call ETF with a 10%+ dividend yield to offset my 7%...
Thomas Hayes
May 25, 20234 min read
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