In the past, most Americans have decided to retire where they have lived while working. Almost 90 of every 100 retired Americans have stayed in their home state. To get an idea about what other parts of the country offer, check the September issue of Moneymagazine, which annually features the results of its survey on the best places to live in the United States. The locations are rated on strength of economy, low crime rate, pollution, affordable housing, medical care, access to leisure and cultural activities, transportation, and weather.

During your active working years, take every travel opportunity to look for your ideal location.

• Take trips to other parts of the state, country, and world to look around. Ask yourself, "Would I like to retire here?" Consider whether you want a place with all four seasons or only two. Visit there again during the least attractive season.

• Talk with friends who have lived in other areas.

• Contact local chambers of commerce and/or the state Department of Tourism, relocation specialists, and realtors in the areas you are considering. Carefully read the information they provide in terms of your needs and interests.

• Talk with long-time residents and newcomers who live where you are considering moving. What do they like and dislike about the area?

• Attend church and/or community group meetings, activities, and social events where you think you might like to move. How welcome do the groups make you feel?

• Let your fingers do the walking through the local telephone book. How many health and medical facilities are there? How accessible is public transportation? What community services might be of help to you? Check out the malls and other shopping areas. How do facilities and prices compare with what you are used to?

• Subscribe to the local newspaper for at least two years before moving to a community you like. You will learn about the weather, and how prices for goods and services compare with those where you live now. You will also learn about recreational, cultural, and social activities, and the political situation.

• Watch the help wanted ads in the local newspaper for several months if you are interested in part-time work. Determine possible job opportunities before you move.

• Rent for a year or two if you find a new area that looks good to you but you're not sure. You will have time to study the new location more carefully and decide where in the area you want to live.