In case you're thinking tropical when dreaming of your future, you might be surprised by this Forbes list of best places to retire in 2014. Fargo is on the list and here's why........

When compiling the list, Forbes considered housing and living costs, taxes, crime rates, doctor availability, active lifestyle rankings, weather and air quality. Weather? And Fargo made the list? Yep. All of those other factors must have outweighed 40 below winters.

You can find the full list at Forbes.com