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The finance website looked at such factors as life expectancy data and a state's crime rate, climate and economic conditions, including taxes, job opportunities and cost of living, to compile a ranking of the 10 worst states for retirement.
Some of the bottom dwellers might come as a surprise.
Maine's high cost of living and harsh climate dragged down the state's appeal to retirees.
Joblessness and tax burdens weighed on Michigan.
Massachusetts received a poor ranking because of cold weather and the cost of living.
"It's no secret that retirees generally don't like the cold," notes MoneyRate.com about the abundance of northern locales on the list. "However, the weather is far from the only problem these states have."