Rainy days & Mondays always get me down.

• Position: Your Life

Routine weather conditions cost the economy as much as $485,000,000,000 annually. With that in mind as well as the impact weather has on our mood, productivity, and earning potential, WalletHub, a personal finance social media network, ranked 2014's Cities with the Best & Worst Weather.

To help consumers weatherproof their finances against the elements, WalletHub compared U.S. cities based on the year-round weather conditions in each, using nine key metrics to explore such factors as humidity, precipitation, and snowfall as well as odds of poor and extreme weather. In doing so, consumers can assess how the weather fluctuations in their city might affect their lives and wallets in various ways. After all, hurricane season is upon us, and many Americans will be relocating in search of new opportunities.

The 10 best cities for lovers of mild weather are Glendale, Calif.; Bakersfield, Calif.; Henderson, Nev.; Las Cruces, N.M.; Saint George, Utah; Rio Rancho, N.M.; Pomona, Calif.; San Bernardino, Calif.; Livermore, Calif.; and Elk Grove, Calif.

The 10 worst cities for lovers of mild weather are Youngstown, Ohio; Buffalo, N.Y.; Indianapolis, Ind.; Newark, N.J.; Yonkers, N.Y.; Milwaukee, Wis; Des Moines, Iowa; Washington, D.C.; Chicago, III.; and Baltimore, Md.

Other interesting statistics indicate:

* Fairbanks, Alaska, is the coldest city in the country, with an average temperature of 28.25[degrees]F. Pearl City and Honolulu, both in Hawaii, are the warmest, each with an average temperature of...