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123. The Callahan family currently lives in a suburb of a major city. They have a lovely home
close to major routes of transportation. Both Mr. and Mrs. Callahan have convenient commutes of
30 minutes or less. Because the school system in their town does not have a quality reputation,
they currently send their daughter to private school, conveniently located less than one mile from
their home. The family’s current monthly living expenses are listed below:
The Callahans are considering moving to a town approximately 20 minutes away. Because of the
desirability of the local schools and strict zoning, housing is very expensive in this town. Their
daughter would attend public schools. The Facts estimate that their monthly mortgage, taxes and
insurance would increase to $7,000 per month, while the cost of running automobiles would
increase 20% and other utilities 10%. Mortgage interest costs are tax deductible and the Facts are
in the 25% tax bracket. Assume that $700 of the increase in their monthly budget is for mortgage
interest. What are the costs and benefits of moving? Which can be quantified and which cannot?