We at David M. Muldowney, Jr., CPA feel that an informed client is our best customer. We know that there is a lot of information on the Internet and it can be tough to determine what is valuable. That is why we have selected the following article(s) for you to view. Securities offered through: TFS Securities, Inc., 437 Newman Springs Road, Lincroft, New Jersey  07738 phone: 732-758-9300 w email: davidmuldowneyjr@tfsrep.com Member FINRA & SIPC Licensed in New Jersey, Florida and Missouri

529 or ESA? Choosing a College Savings Vehicle If you have young children, you probably realize you ought to start saving for their college education. And you should start saving as soon as possible to give that money time to grow.   Teaching Children about Money How to tie their shoes and tell time are important skills parents teach their children. But don't forget the important skill of learning how to handle money. If you don't teach them, they'll be left to the experts on the schoolyard or (worse yet) Madison Avenue.   Used Vehicle Donation Rules There are strict rules for charitable contributions of used motor vehicles, boats, and airplanes that apply to donations valued at over $500. If these rules are not met, a taxpayer cannot claim a charitable deduction. This article explains how the rules work and how taxpayers can verify their donation of a used vehicle, boat, or plane.