 610-894-7415. Or go online, retirereadyfg.com. Insurance and annuities offered through James V. Cipriotti, NPN number 2083768. The following is a paid commercial message. Using credit cards could soon become a hassle in Pennsylvania. Some in the legislature are considering a multi-million dollar giveaway to corporate megastores and may force you to pay for parts of your purchase in cash, while small businesses will have to manage an accounting nightmare.