From all of us at the Accounting Firm of David M. Muldowney, Jr., CPA, we wish you a very Merry Christmas and a Happy, Healthy, and Prosperous New Year! We would also like to take this time to thank everyone that we've been able to serve over the past year. I feel like a broken record, one I don't mind hearing over and over, but this year has been our best yet and it's all

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When most people think about improving their financial position and focus on cutting expenses they typically only think about excesses – going out to eat, going on vacation, buying elaborate gifts, etc.  Rarely do people think about the not-so-obvious but everyday ways to reduce expenses, mainly by reducing their household overhead.   Some of these include turning out the lights when no one is in the room, turning off the TV when no one is watching

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