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Deciding when to take Social Security is one of the most important retirement planning decisions people make - and many retirees say they got it wrong.

Police responding to a 911 call on July 19 found four men - ages 79, 74, 65 and 54 - being held in "deplorable conditions" behind a door that was nailed shut in a north Houston neighborhood. Sgt. Steven Murdock told the Associated Press that at least one of the men was a military veteran, and that…