answer:If I lived in NYS, which I do, and invested in the Vanguard Long Term Triple Tax-free bond fund, which I would, I would clear today $36,100. That would be nice to share with my daughter and my three grand-nephews. I might install a walk-in tub/shower for my arthritic joints and use a little to continue to improve my property…the Gail Calder Nature Conservancy…to be enjoyed by future generations.