AbcFz.com!

TopRetirements.com has compiled a list of the 10 worst states in which to retire, based on five factors: fiscal health, property taxes, income taxes, cost of living and climate.

Now, this list comes with the important caveat that every retirement is unique. You don't get to choose, for instance, where your friends and family live, and proximity to them could be a major factor in your decision. And the way the criteria are weighted may not match your person preferences. Maybe you like living somewhere that has really intense winters. Perhaps the list ignores an issue that's vital to you. Even so, it's a good place to start.

This year's Worst 10 List features three new arrivals -- Vermont, Minnesota and Maine -- meaning three other states have escaped retirement infamy: Ohio, Nevada and California. Read on to find out which states weren't so lucky.

5 Winter Driving Tips.
It was the first big snowfall of the season and I was out driving on the freeway when it happened. I had been traveling carefully, unsure that my little sedan would be able to keep traction as the snow kept piling up, when a large SUV came flying out of nowhere, attempting to pass me as if the roads were dry. Just as the SUV had gotten ahead of me, the driver lost control. The vehicle spun wildly for a few seconds and then crashed horrifically into the median with a sickening crunch.

Somehow, the driver was unhurt. Many others, however, are not so lucky. Each and every winter, people are injured or killed because they are unprepared or overconfident on snowy, icy roads.

The following rules for driving safely in winter weather are not particularly difficult to follow and doing so will keep you much safer on snowy roads. Even if you are a veteran driver from a snow belt state and don't give venturing out in a blizzard much of a second thought, keeping these safety tips fresh in your mind can keep you on the road and in control.

Changing your oil every 3,000 miles is a waste of both oil and money (Robert Couse-Baker, Flickr)
Savvy car owners know that changing the oil on their vehicle every 3,000 miles is overkill and a waste of money. California is taking the issue a step further with a public service campaign meant to not only save residents some cash, but to keep them from using oil unnecessarily.

"Our survey data found that nearly half of California drivers are still changing their oil at 3,000 miles or even sooner," Mark Oldfield, a spokesman for the California Department of Resources, Recycling and Recovery, told the Los Angeles Times. Oldfield's office has launched the Check Your Number campaign to encourage drivers to go with the manufacturer's recommendations.

As a matrimonial law attorney who regularly represents mothers and fathers in contested divorce trials, I have very some straight forward advice for parents going through divorce, and who are contemplating a custody action. More than ever, I am counseling mothers on how to not lose custody of their children.