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We found TOTV 2 years before we moved here,asked questions and read all the info. On one of our visits we met a nice couple the husband was pretty much spot on with the costs. As for food and drink after coming from Long Island I find food and drink quite a bit less. Ditto on my insurance, taxes, and electric. If your going to go to the higher end CCs often you might have a problem but if you go to the squares and regular CCs you should be OK.