EMERALD FINANCIAL SERVICES, INC.

Blog

Strategies for Volatile Markets

It’s important to stay calm when the markets aren’t.
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Basics of Dollar Cost Averaging

Dollar-cost averaging is a popular method of investing for the long term.
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NY Paid Family Leave Benefit

Starting in January 2018, Paid Family Leave (PFL) became a mandatory benefit in New York, providing you with job protection, and paid time off
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Ways to Save for Education

Saving for a child’s education is a very personal decision. I have come across people that want to pay for everything for their children’s education, people who are not going to pay anything, and everywhere in between.
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The Excelsior Scholarship

On April 12, 2017, New York State Governor Andrew M. Cuomo signed into law The Excelsior Scholarship program. It is meant to provide tuition-free college to students at public colleges and universities in New York.
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Comparison: NY Paid Family Leave (PFL), and the Family Medical Leave Act (FMLA).

I have had a few different people ask me about the differences between the two programs. Below is a chart the will hopefully shed some light on this topic:
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Protecting an Aging Parent from Fraud

As a youngster, your parent repeatedly warned you not to trust strangers. When your parent grows older, it’s time to return the favor.
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Emergency Fund: How much should I have, and when should I use it?

An emergency fund is required to meet life's unexpected, short-term financial “surprises”.
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What is Disability Insurance and How Much Do I Need?

Most people have disability insurance through their employer, but do you really know what it is, and how much you need?
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The Rule of 72

One of the simplest rules for investing is called the Rule of 72. It is a very easy rule to understand, yet most people are never shown it.
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A Strategy for Paying Off Debt

A way to pay off your debt that reduces your time in debt, and the total amount of interest you pay - depending on your situation.
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IRA Basics

There are two major types of IRAs available. Different IRAs apply to different circumstances in your career and your financial plan.
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529 College Savings Account Basics

529 College Savings Account Basics529s have become one of the most popular college savings options. Here are some basics.
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