Tamsyn Parker  Tamsyn Parker is the NZ Herald Assistant Business
Editor  Housing big factor in retirement quality  People who own
their own home in retirement have to worry about possible
mortgage payments, rates and maintenance costs.  Whether you own
your own home or rent can have a big impact on the kind of
lifestyle you have in retirement, research by Massey
University's financial education centre has revealed.  Massey
lecturer Claire Matthews has today released updated figures for
the cost of living in retirement including housing costs for the
first time.  Matthews, who first released the Retirement
Expenditure Guidelines last year, said the cost of a "no frills"
retirement for a two person household in Auckland or Wellington
was now $249.61 per week while a "choices" retirement cost
$786.70 per week in metropolitan areas.  While the "no frills"
cost for a single person in the major cities cost $113.62 per
week compared to $356.37 per week for a "choices" lifestyle.  No
frills excludes spending any mone