I) One problem facing a number of elderly people is living on a reduced income. II) Upon retiring, old people may receive a pension from their company or social security from the government. III) The amount of their monthly checks is often half the amount of the checks they received when they were employed. IV)The old also suffer from a number of diseases resulting from their age, such as arthritis or rheumatism which give them great pains. V) Suddenly, retirees find that they can no longer continue the life style that they had become accustomed to, even if that life style was a modest one.