About Me

Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 Registered Representatives nationwide.

Money

What is money? Where does it come from? Where did go during the financial crisis? Financial Advisor Tim Hayes explains all this to you in his blog posts.

Money Creation in a Modern Economy

By: Tim Hayes Financial Advisor - posted in: Economy, Markets, and Interest Rates - Last updated Nov 13, 2018

The political season is upon us. And with Thanksgiving just around the corner, complete with turkey, stuffing and football, you might find yourself in the middle of a heated family conversation about politics and money.

 

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Negative Interest Rates the Folly Of

Banks, Money, the Government, and Student Loans

By: Tim Hayes Financial Advisor - posted in: Financial & Retirement Planning - Last updated Nov 19, 2018

In a perfect world, the government would allow borrowers to refinance their public and private student loans into one loan at a low rate while they continue to receive government protections and forgiveness programs. Until then, borrow wisely, and refinance cautiously.

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Banks, Money, the Government, and Student Loans

Can Tax Cuts Stimulate the Economy?

By: Tim Hayes Financial Advisor - posted in: Economy, Markets, and Interest Rates - Last updated Nov 14, 2018

President Trump’s tax proposal has four goals: (1) to “make the tax code simpler,” (2) to “give employees a raise” by reducing their income taxes, (3) to “level the playing field” by cutting taxes on American companies, and (4) to provide incentives for businesses to “bring back” the $2.5 trillion of cash they hold overseas

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