Rick,

This December transfer is the earliest I have ever transferred my clients.  Sheesh! 

I lived in Utah (St George, Ogden, and Salt Lake Valley) for about 40 years.  It is a beautiful state and so diverse as is Arizona, where I live now.  We are expecting snow tomorrow where I live.  I am about an hour north of Phoenix, live on a dirt road, up on a hill in a canyon with amazing views.  Other than the satellite (SLOW) internet, which is all I have a choice of, I love it! 

Janis