Thomas Hayes
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...
top of page
Search
Thomas Hayes
May 33 min
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...
29 views0 comments
Thomas Hayes
Apr 12 min
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...
34 views0 comments
Thomas Hayes
Mar 73 min
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...
15 views0 comments
Thomas Hayes
Feb 162 min
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”. ...
23 views0 comments
Thomas Hayes
Jan 62 min
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...
89 views0 comments
Thomas Hayes
Dec 28, 20233 min
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...
15 views0 comments
Thomas Hayes
Dec 19, 20232 min
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...
12 views0 comments
Thomas Hayes
Dec 5, 20233 min
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...
18 views0 comments
Thomas Hayes
Nov 15, 20232 min
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...
28 views0 comments
Thomas Hayes
Oct 20, 20232 min
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...
22 views0 comments
Thomas Hayes
Sep 12, 20233 min
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....
12 views0 comments
Thomas Hayes
Aug 21, 20233 min
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...
22 views0 comments
Thomas Hayes
Jun 27, 20234 min
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...
55 views0 comments
Thomas Hayes
Jun 14, 20233 min
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...
77 views0 comments
Thomas Hayes
May 25, 20234 min
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%...
14 views0 comments
Thomas Hayes
Apr 28, 20232 min
Reverse Budgeting: A Psychological Trick for Enjoying Your Money
Will cutting out that $4 morning coffee really help you reach your goals? You’ll often hear the Suze Ormans and Dave Ramseys of the...
14 views0 comments
Thomas Hayes
Mar 29, 20233 min
Factor Based Investing
Factor Based Investing: What is it? Factor-based investing is an investment strategy that seeks to pursue superior returns by focusing on...
7 views0 comments
Thomas Hayes
Aug 19, 20224 min
Roth Conversions for Generational Wealth Transfers
One major change to the retirement landscape in the past few years has been the adjustments to withdrawal rules made by the SECURE Act,...
32 views0 comments
Thomas Hayes
Jul 15, 20222 min
5 Steps to Establish a College Savings Plan
1. Estimate the Total Cost of College: Predicting the future cost of college can be challenging. The Massachusetts Educational...
10 views0 comments
bottom of page