In this issue:

- Snowbirds Beware: The Pennsylvania tax man wants

to know where your heart is

- Some reminders about Federal Estate and Gift Tax Exclusions

- . . . and about IRAs

- A consumer tip: Remember to get your free annual credit reports; Easy access to your actual credit score may be coming.

- Excerpt from Some reminders about Federal Estate and Gift Tax Exclusions:

The annual federal gift tax exclusion per person remains at $14,000 in 2014. However, the more significant applicable exclusion available during lifetime or at death or a combination of both has been increased to $5,340,000.