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To: GraceZ who wrote (161251)	4/21/2002 6:59:50 PM
From: Les H	Read Replies (1) \| Respond to of 436258

define disposable income nolo.com abiworld.org I believe transfer payments, such as alimony, trusts, government programs, etc., are included in the income side of the ledger. As for the Japan savings question, you also have a recent phenomenon in Japan re: the live-at-home adults. They tend to have high savings rates versus other groups since they often have low housing expenses and often other expenses related to food, etc. Perhaps, it was the high real estate prices in the late 80s and early 90s that led to this situation. Considering that Japan is in the same process of hollowing out their economy as the U.S. and moving more research overseas, the older generation should expect that they may need to put aside more savings.