Where To Live

Maleeah and CJ talk about important things to consider when you're thinking about WHERE you want to live in retirement.

Episode Transcript

(00:00):
This is money in Motion with ClassFinancial, a fun and informative show designed
to help you get answers to allyour retirement questions in one place. Phone
lines are all but for you rightnow here at thirteen ten WIBA questions four
hour retirement planning professionals from Class Financialsee j Claus and Malia Quavis. I
gotta just pick up phone gives aring six so eight three two one thirteen

(00:24):
ten. That's three two one thirteenten. We'll get you right on the
air. Of course, you canlearn more about Class Financial to air website
Class financial dot com. That's KlaasFinancial dot com. Great website to learn
more about Class Financial, learn abouttheir separate divisions. Also a prime opportunity
there to sign up for the weeklymarket Pulse new see you get a little
snapshot of what's been happening in themarkets. Also a link to the most

(00:45):
recent podcast. Again that available toyou at class financial dot com. You
can also, of course subscribe tothe podcast right online that's class Klaas Financial
dot com and the telephone number sixO eight four four two five six three
seven No charge for that initial getsnow appotment Claus Financial. It is complimentary
to you again the number six,So eight four four, two, five,
six three seven and join this morningby CJ. Klass and Malia Quavis.

(01:07):
CJ, how are you doing thisweek? I'm doing great? How
are you sewing? Doing? Fantastic? Great to talk with you. Malia.
You know what I'm going to askyou about today? Do you have
a good idea? Falls in theair and it has to do with fall.
You know, on social media,if you if you go to like
a certain page enough, they willthey will give you like a top fan
and I probably would get a topfan badge for class financial dot com.

(01:30):
Today is new picture to day.Yeah, beginning of fall. Actually it
was last week, so you missed. It was on September first, because
we're really timely in our organization.Doesn't surprise me the smallest. Yeah,
better late than never. That's okay, yes exactly. Check of course out
the website Clause financial dot com.That's Klaas Financial dot com. Because we're

(01:53):
talking with CJ and Malia this week, we are going to actually be talking
about if you should or should notsell the home. We've got maybe the
kiddos out of the house and hemaybe got a bunch of space what are
some considerations there. We're gonna talkingwith Ce generally about just that this week,
but also it's a prime opportunity toget on the air with your question
six eight three two one thirteen ten. That's three two one thirteen ten.

(02:14):
And before we start this week's topicand this week's conversation, another really cool
thing that goes on each and everyweek on the program is the Claus Quiz
Question the Week, a chance foryou to win a fantastic prize. This
week no exception, our friends fromClaus Financial had provided a twenty five dollar
gift card to Portillo's. I wasjust there over the weekend. Got that
cake shake. Oh my gosh,I love the thing. Anyway, we're

(02:34):
gonna get distracted. Distracted, youtwo can go through at Portillo's if you
win. Again, just listen closelyto the program oftentimes with the question and
answer till the Class Quiz Question theWeek come up during the program. And
before we get talking this week onthis week's topic, let's take a look
back actually at last week's Class QuizQuestion the week. Get the question and
the answer there as well. Yeah, so last week we had a great

(02:55):
conversation about debt a debt can begreat. We talked about it and how
you can look at it and maybework toward eliminating it so that when you
retire you will have less of itand more income to enjoy. So if
you didn't hear it, go backto last week and definitely take a listen.
So last week's question was true orfalse. In the first quarter of

(03:17):
twenty twenty three, household debt balancesin the United States reached a record high
of seventeen trillion. That's with aT dollars True or false, So Peggy
correctly answered. First caller answered correctly. The answer was true. So everyone
helped the economy, maybe not theirpersonal balance sheets. So you want to

(03:38):
take take special note of reducing yourdebt, not increasing it. So thanks
for listening. Great great question there, and of course a great work Peggy,
And of course if you missed anypart of that program, you could
always listen Backcloths Financial dot Com.That's Klaas Financial dot Com. As mentioned.
Of course, we're talking this weekwith CJ and Lee about you know,
working with folks in retire met orkind of getting settled into retirement.

(04:01):
A lot of folks kind of havethat question about should I or should I
not sell that home? Is that? Is that a common one there?
CJ. It's very common. Yeah, I think we all understand it.
Conceptually. It's this idea that,hey, as I was maybe accumulating wealth
or had a young family, thatwe moved into various housing situations dependent upon

(04:21):
our needs or the school districts thatwe wanted to be in. And then
as you get closer to retirement,often those dynamics change, right, those
dynamics change from the standpoint of hopefullyLord willing the children are independent and are
out of the house. There maybe even grandchildren. Kids can be scattered
all over the United States, andfurthermore, you often end up with a

(04:42):
home that's more than you need.And you know, I'll take my situation
our home when our children leave.My children are still in high school.
Effectively, when my children leave,it's it's more home than my wife and
I would need. And yet mywife loves the idea of, you know,
maintaining a singular home. This isjust kind of our dynamic. And
yet interestingly enough, we may beforced out of our home at some points.

(05:04):
As a matter of fact, wesee this happen quite often with our
clients where they may want to stayin a home because maybe it's appropriate for
them, and maybe it's even asingle story home, all of those good
things, but they get forced outsimply because they're unable to maintain it or
don't want to have to, youknow, have somebody mold alawn while they're
gone, things like that. Soyour particular circumstances have a huge impact on

(05:29):
that. But we're going to justkind of go through some of those considerations
around should you sell the house,do you want to move to a warmer
climate, do you want to livein a condo, you want to live
in a retirement community. You getthe idea. We're gon we're gonna kind
of go through some of these things. So here's some considerations of things you
might want to be looking at relativeto moving in inner before retirement. Number

(05:54):
one would be everyone's opinions matter,but yours matters most. So let me
explain what I mean by that.Inevitably, when you start talking about selling
the family home, especially if it'sa home you've been in quite a while,
your children, maybe even your grandchildrenare all gonna say no or maybe

(06:15):
yes, But everybody will have thisstrong opinion because they all we all have
attachments to things, and listen,it's easy to have an opinion about something
that you're not in charge of.Let me repeat that, it's very easy
to have an opinion about them thatyou're not in charge of, or that
you're not responsible for paying for,maintaining or living in. So this happened
even inside of my own family uniton my wife's side of the family.

(06:35):
There's this question that came up,should we have those should be not and
ever was like, oh no,keep it and nobody ever visited the home.
But it was rather just if youwant me to have an opinion,
I'll have one. So everybody's opinionmatters, but yours matters most. You
want to decide how do you wantto live, Where do you want to
live? How important are the stateincome taxes to you? How important is

(06:59):
it for you to be near yourchildren and grandchildren. How important is it
to have a single story home versuscondo living. Your opinion matters most.
Talking this morning with our retirement planningprofessional CJ. Clossom Lee A Quavis,
phone lines are open six o eightthree two one thirteen ten. That's three
two one thirteen ten. Love toget you on the air with CJ and
Malia. Don't forget about Clause Financialswebsite Clause financial dot com and they're number

(07:20):
six O eight four four two five, six three seven And CJ. You
were talking about some of the maybemore emotional considerations. You mentioned that T
word, though there's obviously some financialquestions as well, aren't there. Yeah,
So we call these quantitative versus qualitativequestions. So qualitatively you can ask
questions like what's my quality of lifein the home? What do I want

(07:40):
to live? What do I careabout? Quantitatively, there's questions around taxation.
So yes, if you're going tomove to another state or even to
another county, say in Wisconsin,you want to be aware of what is
the what does that tax environment looklike? Now, if you're not moving
out of the state, at leastyou'll be aware of what the state income
tax environment it looks like. Andfor those who don't remember, here in

(08:01):
the state of Wisconsin. And Isay here in the state of Wisconsin,
because most of you listening to meare probably in the state of Wisconsin.
Some might be hearing me in Illinois. But for you who were here in
Wisconsin, there is state income taxon the state pension, so the employee
trust funds pension. For the mostpart, there is state income tax on

(08:22):
your retirement account distributions. There isnot state income tax on Social Security income,
okay, and that state income taxgoes somewhere between like five percent up
to seven and a half percent.Those are rough ranges, but it's a
progressive tax depending upon how much income. You have. In other states,
say Florida, there is no stateincome tax, but there might be other

(08:43):
taxes you have to be aware of. So taxation of the state that you
are going to move into, propertytaxes, sales taxes, state income taxes
on your sources of income are reallyimportant to consider. As a matter of
fact, there are currently nine USstates with no state income tax. Those
are Alaska, Florida, Nevada,New Hampshire, South Dakota, Tennessee,
Texas, Washington, and Wyoming.Remember that some of these states make up

(09:09):
for this with higher taxes and otherareas such as you know, sales taxes
or real estate tax levies, thingslike that, but not the case in
all of them. A matter offact, I've heard i'll call it a
misnomer from people, which is thestate's got to get it from somewhere,
so it all flushes out the samein the end. Wrong. That is
flat out dead wrong if you arelooking on a dollar for dollar basis,

(09:35):
depending upon where you are in thestage of your life. Let's take Florida
as an example. They have arelatively low property tax, a relatively low
sales tax, and no state incometax. If you are a retiree,
that is a massive financial difference toyou, then it would be say in
the state of Wisconsin. So becautious with just kind of saying, I

(09:56):
don't want to do the hard workto actually run the math, so I'm
just going to assume it's all thesame. It is not. You want
to be aware of where you're livingand that tax environment would look like,
and for the more of the housingenvironment. So to defend those who say,
maybe Florida isn't a great place toend up, which I'm not saying
if it is or isn't, butthe property costs have of course gotten quite

(10:16):
a bit higher in Florida, notto mention the risk of hurricanes and destroying
property things like that. And finally, just be focused on kind of cost
of living review that true cost comparisonacross everything. So we're not only talking
about taxes here, but also thingslike if you're going to move into a
progressive living community, which are becomingmuch more popular, that progressive living community

(10:39):
could be much more expensive as yourlife progresses. It may or it may
not, but we have become reallybig fans of seeing some of our clients
as they get older. They're lessconfident going up and downstairs. They're just
anxious about not having family around.Often these progressive living senior communities can be
fant has stick and I mean thatsincerely, where you move in basically to

(11:03):
your own condo, and then asyour life progresses, you can go from
fully independent to semi independent to dependencetoo skilled nursing care even and it offers
this continuity of living for you asyou age. So a lot of things
to consider, but there's a fewhighlights, really important ones there as well.
As we talk with CJA Classimilia Quabusour retirement planning professionals from Clause Financial.

(11:26):
A prime opportunity for you right nowto get on the air with your
question. I could just pick upthat phone, give us a rank six
O eight three two one thirteen ten. That's three two one thirteen ten.
The website for Claus Financial. It'sClaus Financial dot com. That's Klaas Financial
dot com. And their telephone numbersix O eight four four two five six
three seven. No charge for theninitially get to know you epointment tech Claus

(11:46):
Financial. It will be complimentary toyou again their number six O eight four
four two five six three seven.And to get on the air here at
station, all I gotta do iscall six O eight three two one thirteen
ten. That's six O eight threetwo one thirteen ten. Looks like weather
for today is going to be perfect. Maybe earlier this week you thought,
oh it's too hot to humid.Weather does play a role. We'll get
the details from c Jan Malia andtake your call next as Money in Motion

(12:09):
with Class Financial continues right here onthirteen ten Wiva. This is Money in
Motion with Class Financial, a funand informative show designed to help you get
answers to all your retirement questions inone place. It's always a great day
to call in with your question.Six O eight three two one thirteen ten.

(12:30):
That's six O eight three two onethirteen ten. Leved gits on the
air with our retirement planning professionals cJ Class Emilia Quavis whose they come to
us from Class Financial to website ClassFinancial dot com. That's klaas Financial dot
Com. Their telephone number six Oeight four four two five six three seven.
No charge for that initial get tono you apployment at Class Financial.

(12:50):
It will be complimentary to you again. They're number six O eight four four
two five six three seven. Thefull nine year at station six O eight
three two one thirteen ten. Talkingthis week about some of the things you
should think about when it comes towhere you're going to live in retirement and
as folks in your retirement or inretirement start to make some decisions. And
Malia, something I love asking youabout because I think both of you and

(13:13):
I love the same type of weather, which is what is the weather going
to be like? And is thata consideration when it comes to planning for
where to live in retirement. Yeah, I mean, at the end of
the day, it is quantitative whenyou're sitting down thinking about where's the best
place for me to retire, youknow, where I won't run out of

(13:35):
money, because that's everyone's biggest concern. But certainly, certainly the qualitative parts
come back into your thoughts, becauseif you've dealt with winters here in the
Midwest for a number of years,the idea of being able to live full
time or three quarter time elsewhere wherethe weather's just kind of normal, whatever
normal is anymore, I don't knowwhat that is, really comes to play.

(13:58):
So many of our clients actually,unfortunately have health conditions, and that
honestly helps dictate for them where theyshould live. So some have moved to
the desert areas and that's helped themwith their their asthma perhaps, or just
a whole bunch of different situations.So you know, arthritis certainly comes into
play as we get older. Soyou know, the thought of and I

(14:22):
didn't understand this honestly twenty years ago, where my clients sometimes are fearful of
falling on ice, I didn't understandthat till I fell on ice about ten
years ago. And I'm like,yeah, when you're getting older, the
thought of potentially falling on ice.Even young CJ. Here has fallen on
ice years ago, and I remember, it's like a wake up call.

(14:43):
And when you're older, right outsidethe office, it was real. Yeah,
So you know it's a wake upcall when you're elderly, you know,
and things can happen really fast.So looking at whether is a condition
is a situation that you should consider. The other part of this is really
about the recreational activities you enjoy.So maybe you know you love golf,

(15:07):
but you can't play a year roundhere, so that might make you want
to look at three season climates Tennessee, Texas or the Carolinas perhaps, or
you know, I grew up insouthern California and I used to watch Californians
moved to Oregon and Washington and they'relike, Oh, it's so beautiful up
there, and I'll tell you,within six months they were back in southern
California because there's not as much sunthere. So we do have sun worshippers

(15:31):
who like to move to places thathave the most sunny days of the year.
So our research shows at Arizona hasan average of two hundred and eighty
six sunny days a year, NewMexico two hundred and seventy eight, California
two fifty eight, and number eightis Florida but two hundred and thirty seven.
So people honestly do move for thesun. That's an important factor for

(15:52):
them. And then we have peoplewho consider just being a snowbird. In
fact, I had one client who'sa snowbird and I said, oh,
well, where do you live,you know, six months out of a
year, and they said, Minnesotais where I live. And then I
come down to Illinois and that's whereI'm snowbirding. I'm like, wow,
I hadn't heard that one before.So we're all different, right, it's

(16:15):
all relative. So then the questioncomes up, as we said, why'd
even think about perhaps moving locations ordownsizing, and so we look at savings,
savings of your dollars and so,you know, we often think about
healthcare, and that's important as you'relooking at communities certainly, but remember other

(16:37):
than healthcare, housing will be yoursingle greatest monthly expense. That's what we
found in retirement studies. So accordingto Bureau for Labor Statistics, home costs
represent the largest expense for retirees andthat actually accounts for thirty six percent of
their annual expenses. So back tothe quantitative, this is very very important.

(16:57):
So retirees who who want to perhapsextend out their nest egg need to
really take a look at housing expenses. So you know, it obviously costs
less to heat and cool a smallerspace than a larger one. So if
you're used to spending and say twohundred and fifty dollars a month on utilities
for a two thousand square foot home, downsizing to a thousand square foot won't

(17:21):
necesscessarily cut that bill in half,but it definitely will reduce it, perhaps
by a third, which can help. And then it stands to reason that
you know, maintaining a smaller spaceall the way around, will will actually
decrease and even if your home ispaid off, which again we encourage you

(17:41):
to enter retirement debt free. Evenif it's paid off, though, that
percentage on your home's value definitely comesinto play because you're going to continue to
maintain it, whether it be anew roof for or just keeping it up
maintaining it. But as CJ mentioned, we do see sum retirees moved to

(18:02):
age restricted communities. He was talkingabout progressive care, but there's a lot
moving to what we call fifty fiveand batters what they're calling them, and
that gives people living situations where thereis very little upkeep that they're responsible for.
And sometimes we've seen this they're movinginto luxury homes, condos, manufactured

(18:23):
homes out in Arizona. So thoseare being found, Those communities are being
found throughout the United States and reallyhelp retirees. You basically have a level
living experience in the house, nostairs and also a lot of amenities.
So those are things to look at. Talking this morning with our retirement planning
professionals c J. Claus and MaliaQuavis. If you've got a question,

(18:45):
love to get you on the air. Bill we lost you there, If
you call back, we'll get youright on the air. If you've got
a question for CJ. Melia lovedto get you on this morning six three
two one thirteen ten. At sixO three two one thirteen ten. The
website class financial dot com. That'sclass k LA, Yes financial dot com.
Tellph number six O eight four fourtwo five sixty three seven and to
get on the other this one inthree two one thirteen ten. That's six

(19:07):
O eight three two one thirteen ten. Do we have any kind of numbers
or any type of research into wherefolks are going, Malia, Yeah,
So we look at a couple ofdifferent studies and lists because people love lists,
and according to twenty twenty two UnitedVan Lines National Movers Study. I
think they know where people are movingright because they're moving them. Top ten

(19:30):
states where retirement was cited as themain reason for moving was Vermont, Oregon,
Rhode Islands, South Carolina, andNorth Carolina. So some interesting actually
stats there because we always assume it'salways Florida. And then the next list
is according to wallet Hubs best Statesto retire in twenty twenty three, whereas

(19:53):
in twenty twenty two, Florida wasnamed number one. Twenty twenty three,
Virginia took the top spots, andso again categories to look at affordability,
which we've discussed, quality of life, and access to healthcare. So actually
was that access to healthcare that broughtFlorida down. So you want to look
at everything and what's important to you, and sometimes it is simply the weather,

(20:18):
or sometimes it is simply the expense. Talking this morning with c J.
Class and Malia Quavis, our retirementplanning professionals from Claus Financial. We'll
continue our conversation with CJ and Maliain just a moment in the meat time.
Have you haven't been to the websiteyet? Check them out online class
Financial dot Com that's Klaas Financial dotCom. And the telephone number six o
eight four four two five six threeseven. No charge for that initially get

(20:40):
to know you appointment at Class Financial. It will be complementary to you again
that number six eight four four twofive six three seven. We'll talk about
some of the other things that weshould factor and when it comes to picking
maybe a specific type of home,what things you need to think about,
We will do that, and ofcourse we'll have the Class quiz question leak.
All of that coming up next asMoney in Motion with Class Financial.

(21:00):
Use here on thirteen ten w IBA. This is Money in Motion with Class
Financial, a fun and informative showdesigned to help you get answers to all
your retirement questions in one place andtalking with our retirement planning professionals. CJ.
Class, Emilia Quavis from Class Financial, the website Class Financial dot Com

(21:22):
that's Klaas Financial dot Com and thetelephone number six eight four four two five
six three seven. So how dowe know? Like, so, we've
talked earlier about some of the someof the considerations about actually moving, but
what about things about the decisions andconsiderations when we're changing housing and things we
need to be looking at for theright for the right decision CJ. This

(21:45):
really is a process. So beforeyou make any good decision, you'll need
to evaluate your current situation and thencompared against what you want your future to
look like. So the following aresome questions that you might want to ask
yourself as you begin to assess thecurrent and the future. So, first

(22:07):
off, how many bedrooms do youreally need? Often we'll talk to people
and they'll say, I'm just inthe same home. It's you know,
it's breaking the bank, but I'vegot six bedrooms and every once in a
while, every ten years, mykids will come back and stay in them.
You get my point, Probably nota great financial planning decision, and
certainly if it's breaking the bank,something you might want to consider. How

(22:27):
many floors are in your current houseand do you want to need that many
floors? And then what happens asyou age relative to risk of going up
and downstairs. So that's honestly oneof the most common ones we hear as
people age. Do I have abasement and do I need a basement?
Do I store a lot in thatbasement? Do I need to clear out
a bunch of that stuff. Solisten, If any of you have ever

(22:49):
been part of doing an estate salefor a loved one or a family member
or even a friend, you knowthat as you clear out a house from
somebody who's passed, for about thefirst hour or two, there's nostalgia and
you know, oh, look atthis, and then it's like, get
it out right. Even things thatare worth hundreds of dollars, you're like,

(23:12):
I don't know, put it outon the curve for two bucks,
because the value of that is inthe eye of the beholder, and often
when you're just looking to clear thingsout, the value really drops and therefore
you're not getting as much out ofit as you probably could. So it
set another way, as you getolder, your kids and grandkids are not
going to care as much about thisstuff. So one thing you can do,

(23:33):
even if you stay in your home, is just to clear out the
basement and all the junk you havein there. You know, do you
have a three car garage and willyou still need that as you move forward?
Do you have a big yard thattakes you a long time to mow
and edge and then are you ableto continue to do that? Do you
have a pet? Will you needa place for your pet in the future
as you move to a new place. So these are just examples, but

(23:53):
some things you'll want to consider ifyou're considering moving out of your current home.
And what about two cgs we talkabout some of the other things to
consider professional services. You go tothe doctor, and you probably have a
good relationship with your doctor. Thoseare certainly things that you need to weigh
as well, aren't they They are. As a matter of fact, I
would say healthcare near you is probablyone of the top considerations. So Malia

(24:17):
hinted at this in her prior sectionas well, around what is the medical
care around you? Because as youage again both I guess two things pop
up. If you're in a progressiveliving community, often those progressive living communities
are close to communities that have goodmedical care, because you don't the progressive
living communities don't want to have ahumongous cost if they need to ship people

(24:38):
off to a hospital as they godown in health. So usually those progressive
ones are in you know, communitieslike Madison, like Chicago's bigger cities where
they have access to a larger medicalcommunity. But if you're staying in your
home or you're just downsizing to acondo, you still have to ask this
question because as you age inevitably healththe lines. We actually have this this

(25:00):
phrase in our office. Which isthe time to roll the dice with your
health insurance or your access to healthcarecommunity is not as you age, It's
when you're younger, right, Solet me rephrase that. The timeframe to
take some risks, so to speak, with your health insurance, maybe having

(25:21):
higher deductible plan, or take somerisks with not having immediate access to health
to like a doctor or medical communityis when you're young, not as you
get older. So as you getolder that becomes more and more important.
And then other things like are thereany shopping facilities near you? What's the
social and cultural activities that are availableto you? Is there public transportation in

(25:45):
cases you get older you don't wantto have to drive on your own.
Are you close to any family membersor at least in a region where they
live. So a lot of considerations, but we would really say, of
all those considerations, the one youreally want to slow down as that medical
community. Probably number two on thatlist would be closest to family members.
So who's kind of around you thatyou'll be able to age with and see

(26:08):
grow up? Talking this morning withc J. Classim quis our retirement planning
professionals from Class Financial, the websiteClass financial dot com, Dolphin number six
to eight, four four two,five, six three seven. Gotta get
to the Class financials of course,Money in Motion quiz question of the week
in just a moment, but realquick before we wrap up. Are there
anything anything else, Malia that wemight be overlooking or just things we need

(26:29):
to remember when it comes to planningor thinking about moving. Yeah, I
think some final considerations are are youradult kids moving back in? That's a
serious one. You think you're anempty nuster and then things change. But
the last one we want to leaveyou with is, honestly, you just
prefer to stay in your current homeand on and when we look at AARP

(26:49):
they their survey found that three quartersof adults fifty and older say they just
want to stay in their current homesor communities. Nothing wrong with that,
but our first questions to our clientsis where are your laundry facilities in your
house? And if they tell methey're in the basement down twenty stairs,
fifteen stairs that needs to be elevatedto the main floor so you can stay

(27:14):
in your own home. So takeinto consideration those types of things. If
that's really heavy on your heart,that you just want to stay right where
you're at, wrong with that,that is fantastic. Years ago, I
thought it'd be a great idea topair college kids with with retirees where one
half could get them to and fromappointments and the other half could keep them
in keep them in line, andof course make sure that they're yeah,
just just you know, kind ofa nice little little community. But that's

(27:37):
for another day. So yes,it's it's always great to have company,
always great socialize, always great alsoto ask questions. And one of the
great things about class financial is aninitial appointment. It's not going to cost
anything to start that conversation. AllI gotta do is pickup phone, give
them a call tolf when number sixO eight four four two five six three
seven, and of course website classfinancial dot com. That's klaas financial dot

(27:57):
com. Speaking of the time numbersix to eight four four two five six
three seven. Time Now for theclass quiz question a week. It works
like this and just a moment,I'll ask you the Class quiz question a
week. You will then have thirtyminutes from the end of today's program to
call the Class Financial Office right herein Madison at six eight four four two
five, six three seven, Andif you are the first call with correct
answer, you win this week's prize, which is a twenty five dollars gift

(28:18):
card two Oh yeah, portillos.This week's Claus Scows question a week is
this. According to the Bureau forLabor Statistics, the largest expense for retirees
is home cost do Home costs accountfor twenty five percent of retirees annual expenses,
or more than thirty five percent ofthem. Telephone number six to eight
four four two five, six threeseven. First call with the correct answer

(28:40):
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here on thirteen ten Wiva