When you're considering a retirement location, what's high on your list? Is it great golfing or excellent health care? An affordable apartment or a single-family house with low property taxes?

As is typical in December, several organizations are releasing their best places to retire lists. Here are two lists that couldn't be more different.

advertisement | advertise on newsday

Apartments.com's list is skewed toward reasonably priced rentals in climates with mild winters. The top five: Austin, Texas; Las Vegas; Scottsdale, Ariz.; San Antonio; and Phoenix. For the full list and explanations, go to bit.ly/AptsTop10Snowbirds.

Then there's the livability.com list. Cities were chosen based chiefly on excellent health care and a low cost of living. Livability.com says its criteria were "cities that have more to offer than green grass and easy tee times." The top five: Cincinnati; St. Louis; Baton Rouge, La.; Provo, Utah; and Pittsburgh. For the full list and method, go to bit.ly/livability-retire.