text:  Okay, well, let's also remember, if you're a Maryland resident, as Bill in Pasadena is, there's no federal tax, there's no state tax, and there's no local tax either. So Maryland bonds for you and all of our listeners here in Maryland are triple tax-free. Municipal bonds. Yeah, they're municipal bonds issued from the state. There's a number of state agencies that issue them. Any recommendations for something paying 5%? Well, it's got to be hard to find a high-quality bond at 5%. Those bonds are closer to 4%.