Everyone has similar basic housing needs. How well these needs are met will be influenced by where you decide to live now and when and where you choose to retire. Consider the following needs when choosing retirement housing.

• Affordability. What type of housing can you afford and still have enough money left to enjoy the lifestyle you would like to live? Would your taxes, utilities, and other costs of living be less expensive elsewhere? Will you need to make major financial adjustments?

• Safety. Do you feel safe where you are now living? Does the community have a low rate of crime? Are gangs and drugs a problem? How close are the nearest fire department and hospital emergency room? How responsive is the police or sheriff's department?

• Friendships/support group. Do you look forward to making new friends, or do you prefer old, established friendships? How important is it to have a strong support group and live near your friends and family?

• Health. How close are medical facilities? Do you feel secure with your present doctor, dentist, hospital, or clinic? Are you willing to give them up and search for new ones? Is there a reliable rescue squad or ambulance service nearby? Consider air pollution, summer and winter temperatures, humidity, rainfall, snow, and ice.

• Convenience. Is the house convenient for your style of living, not only now, but also as you grow older? Can your home be modified to be accessible despite handicaps? Are basic living areas on the ground floor? Do you have easy access to services and facilities you'll need in order to be comfortable and contented? Will you have an alternative way to do your shopping when you no longer care to drive? Are you near enough to public transportation (bus, air, and train) so you can visit family and friends?

• Your position in the community. Are you active in the community and feel you belong? What will be your status as a retired resident? Are there enough leisure and cultural activities of interest to you to meet your needs.