"So, dear, where shall we live for the rest of our lives?" That's almost as weighty a question as your father asking, "So, my child, what do you want to do with the rest of your life?" But it's the question baby-boomers are asking themselves and each other these days. Why? Because so much flows from where we choose to live: the friends we meet and socialize with, the types of recreation we can indulge in, the kind of work, parttime or fulltime, that we can find, the doctors and hospitals that will take care of us when we get sick,

Retirement experts boil the issues down to four biggies: people, money, climate and amenities.

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