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Colony Financial (NYSE:CLNY)
Q4 2012 Earnings Call
March 07, 2013 10:00 am ET
Lasse Glassen
Richard B. Saltzman - Chief Executive Officer, President, Director and Member of Investment Committee
Darren J. Tangen - Chief Financial Officer, Chief Operating Officer, Principal Accounting Officer, Treasurer and Member of Investment Committee
Neale W. Redington - Senior Vice President, Controller, and Chief Accounting Officer
Kevin P. Traenkle - Chief Investment Officer
Kenneth Bruce - BofA Merrill Lynch, Research Division
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
Gabriel J. Poggi - FBR Capital Markets & Co., Research Division
Greetings and welcome to the Colony Financial, Inc. Fourth Quarter 2012 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.
It is now my pleasure to introduce your host, Lasse Glassen of Addo Communications. Thank you. Mr. Glassen, you may begin.
Lasse Glassen
Good morning, everyone, and welcome to Colony Financial, Inc.'s Fourth-quarter and Full-year 2012 Earnings Conference Call. With us today are the company's Chief Executive Officer, Richard Saltzman; and Chief Operating Officer and Chief Financial Officer, Darren Tangen. Kevin Traenkle, the company's Chief Investment Officer; and Neale Redington, the company's Chief Accounting Officer, are also on hand to answer questions.
Before I turn the call over to them, please note that on this call, certain information presented contains forward-looking statements. These statements are based on management's current expectations, and are subject to risks, uncertainties and assumptions.
Potential risks and uncertainties that could cause the company's business and financial results to differ materially from these forward-looking statements are described in the company's periodic reports filed with the SEC from time to time.
All information discussed on this call is as of today, March 7, 2013, and Colony Financial does not intend and undertakes no duty to update future events or circumstances. In addition, certain of the financial information presented in this call represents non-GAAP financial measures. The company's earnings release, which was released last night and is available on the company's website, presents reconciliations to the appropriate GAAP measure and an explanation of why the company believes such non-GAAP financial measures are useful to investors.
And now, I'd like to turn the call over to Richard Saltzman, Chief Executive Officer of Colony Financial. Richard?
Richard B. Saltzman
Thank you, Lasse, and welcome, everyone, to our fourth quarter and full year 2012 earnings call. 2012 was a breakthrough year for Colony Financial, and I'd like to take a moment to discuss our accomplishments for the year, including how that momentum has carried into 2013 and what that means for our company going forward.
One year ago, I reported that Colony Financial was just reaching its full stride, and the stage was set to demonstrate the advantages of Colony's platform, breadth of relationships, and expertise in acquisitions, originations, asset management and capital markets. Our 2012 results show the potential of the platform that we have built: A premier real estate investment and finance company, with a powerful franchise that allows us to access capital efficiently, and put that capital to work in a proprietary fashion.
Today, Colony Financial stands at 1.5 billion of stockholders equity, more than 5x our size at IPO, and recent capital markets and investment activity have demonstrated that we are now at a scale where we can both efficiently access the Capital Markets and execute a higher volume of loan portfolio acquisitions and origination opportunities, in addition to funding new platforms like our single family home rental strategy. Growth does not come at the expense of weaker financial results, however. 2012 Core Earnings increased to $1.65 a share from $1.49 per share in 2011, and common stock dividend totaled $1.44 a share for 2012, compared to $1.31 a share for 2011.
We have stated from the beginning that we are a total return investor. Our investment portfolio has been constructed to generate both current yield and capital appreciation. And this was evidenced over the course of 2012. We had 9 realized and partially realized transactions during the year, that generated an internal rate of return of 19% and 1.5x multiple on invested capital, representing $135 million of cost basis. This strong operating performance also helped facilitate a successful year of capital formation. Since the beginning of 2012, we have raised aggregate net proceeds of approximately $850 million. $250 million in 2 offerings of our Series A Preferred Stock, and $600 million in 3 separate common stock offerings at progressively higher priced equity issuances, which are expected to be accretive to earnings.
Since the beginning of 2012, we have prudently invested or committed to invest, approximately $1.1 billion across our 3 primary investment strategies. $263 million and 12 loan acquisitions involving approximately 900 loans, $278 million in 8 new originations, and $550 million in our single family homes for rent platform, or what we refer to as CSFR. In addition, we continue to have a robust pipeline of additional loan acquisitions and new originations, including some new potential deals in Europe, and we expect to announce some of this additional transaction activity shortly.
Since our inception in 2009, our investment philosophy has been to earn attractive risk-adjusted returns for our shareholders, while being agnostic about where in the capital stack to invest, relative to the available yield and the quality of the underlying real estate and associated cash flow. In 2009 and 2010, we were focused on earning equity-like returns, primarily from investing in first mortgage debt. Now, based upon increasing evidence of an upward cycle in commercial real estate fundamentals, following a 5-year period of uncertainty and stabilization, we invest in opportunities up and down the capital stack, including equity positions, and across a broad spectrum of real estate asset classes.
On the debt side of the business, due to the incredible spread compression and plain vanilla debt origination, we have concentrated most of our new origination business on off-the-run asset classes and geographies, transitional assets, mezzanine loans and preferred equity. We also continue to pursue some very attractive loan acquisition opportunities. And consistently, our predilection is to generate our target returns through conservative leverage and well underwritten credit risk, as opposed to using financial engineering and excessive leverage. Accordingly, our 2012 activity reflects the continued evolution of Colony Financial's portfolio to incorporate a larger portion of equity or equity-linked real estate investments. Inclusive of consummated transactions, subsequent to year end 2012, and our total commitment of $550 million, the Colony single family home for rent strategy, or CSFR, approximately 40% of our current investment portfolio is now equity-oriented. Our commitment to CSFR of $550 million, just upsized from $450 million, will be invested at CSFR's original cost. $375 million of that amount has been funded to date, with the balance expected to be called during 2013.
Including Colony Financial's commitment, CSFR has now raised total commitments of approximately $2.2 billion of equity in the aggregate, of which approximately $1.1 billion has been called, leading CSFR sufficiently capitalized to pursue its near-term business plan. Beyond the current equity commitments, in order to continue investing in single-family homes, CSFR will seek to utilize a credit facility or other debt financing to expand its asset-base, and ultimately will seek to raise additional capital at prices in line with the increased fair value of the CSFR portfolio at that time.
We continue to be very excited about this once-in-a-lifetime opportunity to participate in and support the U.S. housing recovery, through the establishment of a national operating and investment platform that is singularly focused on this new institutional real estate asset class. The housing sector continues to display some of the most attractive investment attributes of any real estate asset class at this time. In less than a year, the Colony platform has grown to become one of the largest owners of single-family homes for rent in the United States, with approximately 7,000 owned homes, and we expect to see continued strong growth from the company in terms of its asset-base and operational performance in the future. We are long-term investors in this business, and we are applying our past experience, incubating other operating companies to build this platform to succeed for the long run.
In order to manage the CSFR homes portfolio, we have currently built an organization composed of more than 350 people dedicated to this strategy, and who are deployed across 3 main functional areas: Acquisitions, Renovations and Leasing and Property Management.
In Acquisitions, through year-end 2012, we had acquired approximately 5,400 homes, and as I mentioned, CSFR's current total home count is now approximately 7,000. CSFR has built a diversified national footprint across 7 states, including Arizona, California, Colorado, Florida, Georgia, Nevada and Texas, and we continue to grow the portfolio through multiple acquisition channels. These include large REO and rental portfolios from banks and government-sponsored enterprises like Fannie Mae, mini-bulk lease portfolios, typically from local investors and individual MLS and trustee purchases. To give a sense of current acquisition pace, we bought approximately 790 homes in the month of February, and we expect to acquire an excess of 1,000 homes per month in the coming months, which excludes any larger portfolio acquisitions. The current average cost basis across the CSFR portfolio is approximately $130,000 per home, which we believe represents a meaningful discount to replacement cost, and is expected to generate a net yield at the asset level of between 6% and 7%. This range is consistent with current actual financial results from the leased portion of our portfolio. The cost acquisition pace has exceeded our leasing rate over the past few months. Our portfolio-wide occupancy has actually dipped to 53%. However, from a management perspective, we considered the occupancy data for our 180 day old inventory as more indicative of leasing progress, where our current occupancy is approximately 90%.
And of the homes we have leased after acquisition, we have achieved rents very consistent with underwriting. To date, we have leased over 2,000 homes in the aggregate, including 390 in February. In terms of upfront CapEx, we are spending approximately $20,000 per home that undergoes renovation, and on an average, across all of our own homes, renovation spend per home is approximately $8,000. We have been surgically focused on improving the leasing, renovation and leasing functions of our business, with a goal to reduce costs and cycle times, and ultimately run a more efficient and integrated operating platform.
So in conclusion, we're proud of the diversified investment portfolio we've built to date, which by design has a balance of high-yielding commercial real estate debt than more equity-oriented interests like single-family homes for rent. As the market continues to change and improve, our portfolio mix will likely migrate to more equity, although we will be incessantly mindful of continuing to manage the balance in support of our current dividend and its eventual growth.
So now I'd like to turn the call over to Darren Tangen, our COO and CFO, for a more detailed summary of our fourth quarter financial results.
Darren J. Tangen
Thank you, Richard. Fourth quarter 2012 core earnings were $18 million or $0.41 per basic and diluted share, and net income was $13.5 million or $0.31 per basic and diluted share. Of note, net income in the fourth quarter of 2012 was impacted by approximately $0.07 per share of non-cash equity compensation expense resulting from some accelerated equity awards prior to year end, and approximately $0.04 per share of depreciation expense, resulting from our interests in single-family homes, and our Hotel Portfolio. These 2 non-cash adjustments represented the vast majority of the differential between our reported net income and core earnings.
I'd like to take a minute to discuss our investment in CSFR, and its impact on our financial results. For the fourth quarter, CSFR contributed a relatively small loss of $1 million, or $0.02 per share to our results, or a core loss of $250,000 or half a penny when depreciation is added back. As mentioned last quarter, CSFR remains in an active growth mode, and it will continue to produce unstabilized financial results, while it continues to acquire a significant number of vacant homes. Accordingly, current overall portfolio occupancy is approximately 53%.
CSFR continues to make good progress on leasing. February was our most productive leasing month yet, with 390 new leases signed, but at present, acquisitions of vacant homes are outpacing new lease signings, so overall portfolio occupancy is in temporary decline. This will continue in the short run, but we expect this trend to reverse in 2013 as renovations and leasing activity catch up to the CSFR's acquisitions pace, at which time we would expect portfolio occupancy and earnings to improve. Given the asset growth plan for CSFR in 2013, based on a $2 billion plus equity capital base, we expect our interest in CSFR won't produce a net loss on a GAAP basis for 2013, but should turn positive on a core earnings and FFO basis later in the year.
That said, we remain encouraged by the results of CSFR's lease portfolio, which are consistent with our earlier comments on the economics of the business. Net stabilized rental yields at the asset level in the 6% to 7% range, accrued depreciation and before the potential benefit of leverage and future home price depreciation. We would expect that leverage will be meaningfully accretive to current yields on a stabilized portfolio, and home price appreciation could ultimately deliver even higher equity total returns over the longer term.
With respect to fourth quarter investment activity for Colony Financial, we deployed $243 million, of which, $105 million was for CSFR, $52 million was invested in 2 new loan originations and $86 million was related to 4 separate acquisitions. The 4 acquisitions I noted are comprised of over 600 performing and nonperforming first mortgage loans, and represent an aggregate commitment of $86 million at a purchase price of $0.61 on the dollar. These investments, on a combined basis, are expected to generate leverage returns in the mid-teens range. The loan originations included a $38 million commitment in 2 mezzanine loans associated with the Extended Stay refinancing that bear interest at a blended rate of 10.5% per annum. In addition, we also committed $14 million to a joint venture that originated a $28 million debt facility, secured by a master plan housing development located in Southern California. The loan bears interest at 10% per annum, and includes an equity participation.
Subsequent to quarter end, we have thus far completed and circled an additional $481 million of equity deployment, covering all 3 of our primary investment strategies. $295 million additional investment in CSFR, for a total of $550 million, $163 million in 3 new originations and $23 million in a loan acquisition.
I'd also like to quickly touch on some of the asset management successes in the fourth quarter. Across our seasoned, small balance loan portfolios, which include 13 investments with a total book value of $220 million, and an average purchase price of $0.50 on the dollar, we have resolved approximately 30% of the unpaid principal balance as of year-end 2012, and total collections on these resolved loans average 1.4x our purchase price basis. Trailing 12 months weighted average current yield for the remaining loans in these portfolios, as of year end 2012, was 8%.
As a separate performance indicator on our FDIC loan portfolios, 5 of our 8 portfolios have now paid off their acquisition debt, and are distributing cash to the equity. In December, we successfully restructured our 103 Hotel Portfolio, accomplishing several matters. An extension of the mortgage loan that carries an attractive interest rate of LIBOR plus 110 basis points, a change in hotel management, the sale of a minority equity interest to the new management company to better align our interests and a re-flagging of the hotels with various nationally recognized brands. We are highly optimistic about this investment, and the impact of these changes, and based on current projections, we believe this investment could ultimately generate an internal rate of return close to 20%.
In the fourth quarter, we also favorably resolved an office asset in Berlin through a receivership sale and realized our investment in the William Lyon Homes senior secured term loan, the latter of which produced an IRR of 21%, and an equity multiple of 1.6x, an excellent result for what was first mortgage security.
Regarding capital markets activity, as Richard noted before, total equity capital raised in 2012 and early 2013, from both common and preferred stock offerings, totaled approximately $850 million representing more than 125% increase in our total equity capitalization since the end of 2011. We currently have a book equity capitalization, common and preferred, of approximately $1.5 billion.
On the liability side of our balance sheet, we remain very low leveraged, a discipline we intend to maintain. However, we expect to introduce a prudent amount of incremental leverage to our balance sheet over the course of 2013. We expect this will be accomplished through several means. One, we expect to refinance our $175 million credit facility with a significantly larger facility. Two, we will continue to seek accretive ways to finance our underlying investments with non-recourse, matched term investment level financing. And three, we may also consider other forms of accretive equity-linked balance sheet financing. Our balance sheet provides us a tremendous amount of flexibility to capitalize on the many investment opportunities that we now have before us.
That concludes our prepared remarks, and we would now like to open the call up to Q&A. Operator?
Question-and-Answer Session
[Operator Instructions] Our first question comes from the line of Ken Bruce with Bank of America Merrill Lynch.
Kenneth Bruce - BofA Merrill Lynch, Research Division
My first question really is -- trying to better understand the current market backdrop, you kind of mentioned in your opening remarks that you're, in essence, targeting specific investments that have the return thresholds that you've held out for quite a bit of period of time. We've seen a lot of spread compression, a lot of liquidity in the market chasing assets, and I'm just trying to better understand how you perceive the runway for keeping this type of return profile in the debt side of the business, if you think there's sufficient off-the-run markets for you to, in essence, gravitate towards, as the market continues to chase yield, if you could just give us a better sense as to how you see that part of the market playing out?
Richard B. Saltzman
Sure. Look, I think there's still plenty to do. It's just that it's more difficult to do for what I would describe as conventional assets that are cash flowing at a regular run-rate basis. Where, given the thirst for yield, as you were just saying, there is a lot of spread compression. So on the debt side of our business, in terms of new origination in particular, we're moving more towards transitional assets, geographies, and going further down the capital stack, to basically get to the high single-digit or double-digit yields that we look for on an unlevered basis. We also, from time to time, are incorporating some modest leverage, whether it's through laying off an A-note or other constructs that are similar, to further turbocharge those returns up to the overall levels that we seek to produce, which are in the low- to the mid-teens. And there's plenty of runway. And including, beginning to see, anecdotally, some activity perking up in Europe right now, both from a loan sale perspective as well as from a new origination perspective, where the traditional lenders really, for the most part, are sitting very constrained, not really capable of providing capital like they used to. So Europe is kind of where the U.S. was in our opinion, 2 to 3 years ago, and really burgeoning and just starting to be fertile from the standpoint of investments that we can be making. The other thing that I think we said in our comments is that, we also are pretty sanguine about equity investments in real estate today that may make sense for Colony Financial and as we see the market now stable and generally speaking, with some exceptions, fundamentals really improving, kind of across the board. We have more confidence about going even lower in the capital stack in terms of equity, and generating very high risk adjusted rates of return for the company.
Kenneth Bruce - BofA Merrill Lynch, Research Division
And turning to the CSFR, in the past, you discussed some potential realization strategies and I'm focused on your comments, just in terms of being a long-term investor in the sector. Is that a comment about the subsidiary, or is that a comment about Colony Financial's involvement in the sub?
Richard B. Saltzman
Yes, well, I -- look, I think, at the end of the day there could be the same answer for both, or alternatively, there might be separate answers, for the platform that actually is making the home investments and what Colony Financial itself actually does with its very significant investment in the homes platform. I think right now, we're still very much in a growth mode, ramping up at an incredible pace and seeing lots of opportunity ahead of us, just in terms of the ability to buy at scale. So I think the 2 are totally aligned for the moment, and they may stay aligned forever. But it could deviate at some point down the road. Just remains to be seen. But for now, very aligned. We just incrementally increased our investment by $100 million, from $450 million to $550 million. Again, really showing how confident and optimistic we are about that particular platform.
Kenneth Bruce - BofA Merrill Lynch, Research Division
Okay, and you've mentioned in the remarks about it being a new institutional asset class. I wonder if you feel that, that's being recognized sufficiently by capital markets or if you think that there's still a disconnect in terms of how the operators that have moved into this sector view it versus the Capital Markets?
Richard B. Saltzman
Well, it's -- I mean it's like other things that we're just at their beginning. There's a lot of different opinions and views, not necessarily a lot of conformity yet. And, it's kind of good news, bad news, whether or not we want the market to totally accept that it is an institutional asset class right upfront, to be candid, because if everybody had that view today, maybe the market would look a lot more efficient than what we're currently seeing. So it's good to have a lot of people who are skeptics, because that creates more inefficiency, in our opinion.
Kenneth Bruce - BofA Merrill Lynch, Research Division
Right, okay. And then maybe lastly, is there a -- is there any evidence that financing is available in the single-family business, either from a corporate level perspective or at the individual asset level?
Richard B. Saltzman
So, yes, there's a lot of evidence on financing. Banks have already been active in this space. We haven't tapped into any facilities yet, but banks have already been active in the space. There's also a view that you could do securitization, albeit I think the rating agencies are just at the beginning of their analysis, so where a securitization for this business might rate in price, probably is not terribly efficient yet. But the bank market appears to be quite robust, and that's really where we're focused. We still have $1 billion of dry powder in the CSFR platform, but we're buying at a pretty rapid pace, as we said, in our remarks at about a 1,000 a month is our expectation in terms of homes that we'll be acquiring. But on the agenda is putting together a bank facility that we can tap into sooner rather than later.
Our next question comes from the line of Jade Rahmani with KBW.
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
I wanted to ask a couple of quick ones. First, just what's the main difference between fair value and book value, how much accumulated depreciation is there? And then secondly, if you could just clarify the line item on the balance sheet called distribution in excess of retained earnings, and whether that relates to the accumulated depreciation?
Darren J. Tangen
Okay. Hey Jade, it's Darren here. Let me take the first question on fair value. I mean, as you know, we've historically not provided individual detail of our fair value marks. In the past, the differential was quite dependent on 2 particular investments. One was -- that we did call out, one was First Republic Bank, which is obviously a smaller position today although the fair value is well in excess of cost basis. That remains the case today. The second that we've called out historically, was our William Lyon Homes position, which has now been realized. So the differential between the fair value and our book value is actually more diversified across all 51 of our investments today. Maybe the one that I would call out is for single-family homes, our investment in CSFR and there, the fair value, as of the end of the year is up 5%, relative to cost basis. So that was a partial contributor to the differential between our fair value and book value. As to -- sorry, your second question was on...
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
Just the distribution and excess of retained earnings line item, if that's related to accumulated depreciation. Since GAAP net income of $0.31 in the quarter was less than core earnings, and partly on depreciation.
Neale W. Redington
Yes, it is partly related to the depreciation. You're right.
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
Okay. Then secondly, just more broadly, you mentioned equity. I wanted to see if you could comment on what other asset classes you find interesting. Two of the first mortgages, post the fourth quarter had development characteristics, are those the types of loans you're increasingly looking at, and just on the equity side, I'm sure you're aware there's not much capital available to private homebuilders, would you consider that space as attractive, and what other asset classes are interesting?
Richard B. Saltzman
Yes, certainly, I mean, just focusing on the last part of your question, I think the residential space we think, continues to be very interesting here. Consistent with what we're already doing in terms of literally buying homes, and then renting them. So we do think play is connected to land, and in particular for single-family, perhaps in some cases multifamily too, is very interesting. I mean, in connection with these development situations where we're talking about debt, these are generally speaking, first mortgages. So we feel we're in the right place in capital stack, relative to these types of risks that we're taking. But there are other equity opportunities. What I would again describe as more off-the-run deals that either have a lot of complexity and/or are kind of a little bit more orphaned, vis-à-vis the typical institutional and/or public REIT interest that you might find in kind of equity real estate that we are also looking at. And part of that, we've said from the beginning, we're very interested, from a credit standpoint, in terms of looking at sale-leaseback type transactions, and we have reviewed a lot of those types of deals here since our inception. At the end of the day, we've gotten close on a couple of things, but have never pulled the trigger, but that continues to be a space that we're interested in as well.
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
And the land banking you referred to, would that be to smaller private builders, or to larger national builders?
Richard B. Saltzman
Could be either, but I think probably just from a -- we have an -- more of an edge or an advantage, I think, with the private builders. The public builders have more options, access to capital, so I think -- not to say that it couldn't happen, but I think it's more likely to happen with some of the private groups.
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
And then, just turning to the single-family. I wanted to see how you would address skepticism about, or the market's continued skepticism about the ability to operationalize the business. You comment on the 6% to 7% net rental yields that you're seeing on the lease portfolio. I wanted to just confirm, are those on the actual current cash flows, and is the 2,000 leased homes you cited inclusive of the February activity?
Richard B. Saltzman
Well first of all, yes, it is on the actual homes that we have rented, the 6 to 7% numbers. So that's based on actual data at the asset level. And I -- yes, the numbers that we're citing and quoting are as of today, in terms of being at 7,000 homes, so it does include February and January.
Darren J. Tangen
But, Jade, I'd say that the distinction we're trying to make in the 2,000 homes that we've leased since acquisition, that does not include homes that we purchased leased. So what we were trying to show there, those are homes that we purchased vacant, took through the renovation process and then leased up. Our actual number of leased homes is higher than 2,000, that's because we bought some homes that were already leased.
Richard B. Saltzman
So I mean, just rounding out the answer to the question though, I mean, so you've seen our occupancy dip a little bit. This is just based on the pace of acquisition, I mean if we literally were to stop buying today, we would stabilize at 90% and higher, from an occupancy standpoint, given the success that we see on the leasing side of the business, it just doesn't make any sense for us to do that right now, given the buying opportunity.
Jade J. Rahmani - Keefe, Bruyette, & Woods, Inc., Research Division
Okay. I think there's also been some concern about supply, specifically with existing home sales at a multiyear low, in terms of month supply. Do you think supply is adequate to feed the institutional investor appetite for REOs, and you've referred to the smaller bulk portfolio acquisitions, but do you see other sources of supply, or at least the mix of supply changing?
Richard B. Saltzman
We've -- look, we're not supply constrained. And if you look at the pace of acquisitions, I think it bears that out. And there may not be everything on the market that theoretically is available to be on the market, so I think, what you're witnessing is, people have held up back a lot, kind of watching the market, and then as confidence improves, and they see a little bit better visibility on pricing, more of what's in the shadow inventory then starts to come to market. So you still got a lot that's sitting there with the banks, a lot that's sitting there with the GSEs, and a lot of troubled situations that we think over the next couple of years, 2 or 3 years, will come to market and will be an opportunity for buyers like ourselves. But if you would would've totaled, kind of all of the activity from the significant players that you're aware of, who are in this space, we have trouble getting to even 50,000 homes right now.
Neale W. Redington
Jade, it's Neale Redington. Just to expand on that question you've asked about a distribution in excess of retained earnings, it's a combination of, as you've mentioned, depreciation and our non-cash equity comp expense. So those 2 are already non-cash charges, but we're picking up through the income statement, hitting retained earnings, as opposed to our dividends.
[Operator Instructions] Our next question comes from the line of Gabe Poggi with FBR.
Gabriel J. Poggi - FBR Capital Markets & Co., Research Division
Two quick questions for you. I want to piggyback on the supply question, but turn to loan portfolios, can you give a little color about what the supply's like out there for acquisition of loan portfolios, who's selling? I know you guys have commented over last couple of quarters that the kind of pace had picked up, but just would be interested in any color you can provide around that.
Kevin P. Traenkle
Yes, Gabe, it's Kevin here. So we're actually underwriting a major portfolio right now, it's a pretty big one. We have our folks out in the field underwriting the assets. Think it's around $350 million of face, coming directly from a regional bank. That's becoming more and more common. We are seeing the banks entering into these sale processes directly. The FDIC, they still do have some inventory that they're selling off. Last year they took down 58 banks, and the best that we can tell, they haven't sold any of those loans that they took onto their balance sheet from those banks that failed. So what we do expect the FDIC to continue to sell down their stuff over time. So loan portfolios, there's still a pretty healthy inventory of those to come.
Gabriel J. Poggi - FBR Capital Markets & Co., Research Division
Has competition for that increased, would you say, or I mean just generally speaking? Because you guys have a lot of FDIC obviously that you've done, and then, you've kind of had the backbone, so to speak with the FDIC and certain other loan portfolio acquisitions. Are there more, is there more competition for those portfolios?
Kevin P. Traenkle
No, actually, and as you can imagine, the nature of these large portfolios, it takes an incredible amount of infrastructure to be able to underwrite them, and then after you buy them to manage and work them out, your servicing units and you work out units, that's something that Colony invested in heavily over the years. So basically, what we believe that's happened is the people that haven't invested in that infrastructure aren't going to do it now. So we're seeing the same very small handful of people participating in these auctions that are taking place. So no increase in competition whatsoever.
Richard B. Saltzman
Yes, particularly for the smaller loan balance stuff, which remains an area of focus for us. But then, even beyond portfolios, I think if you look at some of the newer deals that we did, there's individual assets in there, coming out of some of the financial institutions. We mentioned Europe is kind of beginning to percolate somewhat, even though we haven't done anything yet recently. But we would expect, going forward in '13, that's more likely to become the bigger part of our new flow. So, yes, it's still pretty robust.
Gabriel J. Poggi - FBR Capital Markets & Co., Research Division
And then one other question, kind of back to CSFR, and you guys have talked about this in the past, but you said you have a kind of $1 billion of untapped equity at the overall platform, how do you think about tapping that equity, and then potentially a monetization of the platform at some point in the future, as it relates to CLNY?
Richard B. Saltzman
Yes, well, I mean that -- first of all, we've stopped raising equity, at least for the moment. We're taking a pause and our view is this was probably the last equity that we were raising at cost. So the go forward plan is to get the dry powder invested, but the kind of debt facility that I was describing before in place, and start to use a little leverage, in terms of further building out the portfolio. But we've already been on record as saying, all things being equal, we would like to take that platform public at some point. So that's still our desire, and it's still probably the most likely course, not guaranteed by any means, but we'll see what happens as the whole market evolves.
[Operator Instructions]
Richard B. Saltzman
Operator, if -- no more further questions at the moment? Okay, so why don't we wrap it up, and I'd just like to thank everybody again for joining us this morning and your support. We think we had a terrific year in 2012, and we're looking forward to more of same in '13. So thank you for being a part of it with us.
Thank you. This concludes today's teleconference. You may disconnect your lines at this time. Thank you for your participation.
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Admissions Open For Vikas Education Academy & Distance Education From Kuvempu UniversityLocality: Karnataka, Tumkur ,Tumkur - Others
vikas education academy n.h.4, k.e.b. road, near z.p. office, tumkur kuvempu universtiy distance education admissions open for 2011-12 ba., b.sc.(pcm, cbz), b.com., bbm, b.l.i.sc., ma(edn.) m.l.i.sc., ma, m.com., m.sc.(all) p.g. diploma courses (1 yr.) ug diploma (panchayath raj)
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The Indian government stated in a release that it is looking into the unauthorized digital certificates issued by NIC. Technology giants Google and Microsoft had raised the issue of fake signatures last week on their security blog.
The Controller of Certifying Authorities monitors Certifying Authorities, who issue digital certificates for electronic authentication of users. Digital certificate is like an electronic passport that allows a person, computer or organization to securely exchange information over the Internet.
Digital certificates provides identifying information like the certificate holders name, a copy of his public keys, a serial number and is forgery resistant. The unauthorized certificate could be used for eavesdropping on Google services like Gmail or Google Docs. Currently only Windows users have been affected by this issue as the India CCA certificates are included for the Microsoft Root Store.
In a blog post last week, Google said, "On Wednesday, July 2, we became aware of unauthorized digital certificates for several Google domains. The certificates were issued by NIC of India, which holds several intermediate CA certificates trusted by the Indian Controller of Certifying Authorities (India CCA)."
Tech giant Microsoft added that it is aware of improperly issued SSL certificates that could be used for performing phishing attacks.
"SSL certificates were improperly issued by NIC, which operates subordinate CAs under root CAs operated by Government of India's Controller of Certifying Authorities, which are CAs present in the Trusted Root Certification Authorities Store," it added.
The Department of Electronics and Information Technology Secretary R.S Sharma stated: "We are looking into this issue. Certifying Authority (CA) is taking appropriate steps and is working under the guidance of the CCA."
Meanwhile, CCA in a post on its website said: "Due to security reasons 3 CA Certificates issued to NICCA have been suspended and the corresponding CRLs have been updated for this purpose. Further updation will be notified."
Source: ET
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����Certainly most of us have been busy getting ready for Groundhog Day next Tuesday. Well, some of us. Okay, one or two of us are preparing for the big day when that northern weather prophet makes its annual appearance after hibernating in its burrow.
If the groundhog cannot see its shadow, it hangs around, ending its hibernation. And to that we infer that spring is around the corner. But if it can see its shadow, it retreats to its burrow, meaning six more weeks of cold weather will ensue. The groundhog, by the way, is the most common marmot found on the continent. It's also called the whistle pig because of the whistle-sounding cry it makes. "Down here we call them woodchucks," said Deborah Woody of the Piedmont Audubon Society's Wildlife Rehabilitation Program.
Woodchuck trivia Here are some fun facts about the groundhog/marmot/ whistle pig/woodchuck: It hibernates four to six months after gorging itself all summer and fall to prepare for the big sleep, which usually ends in early spring. This burrowing rodent is known for digging tunnels. That's a big reason farmers don't like them because the tunnels ruin pastures and cause harm to livestock that trip over the holes. They (the woodchucks, not the farmers) even have a separate chamber in their elaborate tunnel system for their toilet facilities. I won't elaborate further here. In case you've never seen one, the woodchuck typically has coarse, brown fur and some black on its bushy tail. Averaging 5 pounds, it's the largest member of the squirrel family. In case you want to see one, I-26 between mile markers 5 and 15 and around Lake Bowen are two areas in the county woodchucks really dig, according to Woody, who rehabilitates critters and releases them back into the wild. Woody, whose group covers Spartanburg, Cherokee, Union and Laurens counties and part of Greenville, said woodchucks are not really a nuisance in the Upstate. She picked up about six last year, mainly because "they were in the wrong place at the wrong time." If you spy one on your patio, don't corner it as it can turn aggressive in such situations. Instead, call Woody at 515-8678.
The other water tank There's another water tank in Gaffney that may not look like the famed Peachoid, but, indirectly, it's part of the reason the Peachoid looks like a peach. Built in 1948 of cypress wood, the 3,000-gallon water tank that now stands behind the rear parking lot of Prime Outlets shopping center once contained the water used for 75 acres of peach trees at Sunny Slope Farms, according to Mickey Caggiano, manager of Sunny Hill Farms. Caggiano said there originally were three wooden tanks that served the 2,000-acre orchard, but that this tank was the only one to survive. The tank was located near the present Bose store and was moved to its present location when the center was built a few years ago. Sharon Campbell, marketing director for Prime Outlets, said plans are under way to give the tank a facelift, primarily with a paint job showing off Prime Outlets new logo. "It's definitely a permanent fixture here," Campbell said. "We would never dream of tearing it down."
Write! Got questions? We'll try to find the answers. Write to If You Ask Me, Herald-Journal, P.O. Box 1657, Spartanburg, S.C. 29304, or e-mail to firstname.lastname@example.com.
Whistling groundhog soon looks for shadow
����Certainly most of us have been busy getting ready for Groundhog Day next Tuesday. Well, some of us. Okay, one or two of us are preparing for the big day when that northern weather prophet makes its annual appearance after hibernating in its burrow.


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|This is a discussion on math prob. within the online poker forums, in the Cash Games section; i cant take the bad beats anymore , i know i am one of the top players in the world. how can you get beat
math prob.
i cant take the bad beats anymore , i know i am one of the top players in the world. how can you get beat ten hands in a row by less the two outs in ten different matches. after 15 years i am ready to quit this bullshit. heres why.
heads up i have two queens all in agianst two nines preflop. flop is k q 2. i want to know the true math behind loosing this hand, to go runner runner jack ten to lose to the striaght. i am loosing my mind. please help and show me any logic in this happening day in and day out. email me the math at firstname.lastname@example.com
lol, k I concede yes there is going to be some statistics that say what percentage of the time he should get drawn out on, but what i was saying is that for it to happen as he says it was just blind luck on the callers part(10 hands in a row would really suck).
Wow, we here at CardsChat have one of the best players in thw world right here amongst us. So c'mon out of the closet man, stop hiding behind the screen-name. Who am I talking to? Harrington, Negreanau, Ferguson, Brunson, Ivey, Hellmuth, Siedel, seriously just tell us, the suspense is killing me! All jokes and delusional statements aside, it sounds to me like you have just been getting drawn out. Having pots sucked out from under you. Its a bitch, but it happens to the best of us man. Also, I am far from a grammar nazi, but you should seriously look into hiring a proofreader (since you're one of the top players in the world, I'm sure you can afford it) because your post was a nightmare to read. IMHO, take the bad beats on the chin and press on, the cards will heat up eventually and you'll catch some hands and recoup some of your losses.
Another bad beat whine. Jeez, Louise, there should be a forum site just for nothing but bad beat stories and bitching. www.2amFeeding.com? As long as people sit down at their computer carrying more money than sense, bad beats are going to happen. Period. The only way I know to even begin to trim down on the number of bad beats is to play real money ring games exclusively at the $3/$6 tables or higher. Or go to the casino where they can physically see their cash leave their possession. No risk, no restraint.
Meantime, do us all a favor, take a deep breath, and SHUT UP about getting sucked out on. We ALL get sucked out on. EVERY DAY. Good luck at the tables.
re: Poker & math prob.
I must admit, when I take a series of bad beats I start to wonder if the site isn't rigged. Everyone who plays online wants to believe that POKER a game that has historically been synonymous with cheating is now completely straight up in all situations!!! LOL
Even my suspicions don't prevent me from playing though. I find that the majority of play is on the up and up. When I see one player continuously sucking out on everyone at the table taking down pot after pot on crazy play, I pretty much just avoid them. I know, I know, they are a bad player and will lose their money right? Well, just in case they are a shill working for the site(or some brilliant hacker who knows the cards), I don't want to go against them. Simple. I consider all the possibilities and am better off for it.
Speaking of Mike Matusow, here's a funny exchange from him during a tournament.
Jack: Mike, can you introduce everyone?
Mike M: Yeah, ill introduce everyone. Overrated donkey, internet donkey, tournament donkey, and Andy Bloch.
Jack: Thanks for the update, Mike.
Mike M: You're very welcome.
Good stuff, from the Mouth himself.
Specifically, there are 8 cards in 6 combinations that make that hand. There are 47 unseen cards. So, the exact math is as follows:
1.) Total possible 2 card combinations from 47 unseen cards= 47x46/2x1= 1081
2.) Only Combinations of perfect perfect subtracting duplications(pairs 10,10 for example) 8x7/2x1=56
3.) Next we have... you know what from here I'd have a hard time explaining it.
Your odds are drum roll please...66.56 to 1 which justifies this bad beat post by 3 percent.
Hey, bill...In order to prevent completely confusing people, when you list the numbers in the equations, how about giving a written unit beside them so people can understand why you're using those numbers in which place. Otherwise its probably just as useful to post the 66:1 as its less confusing. Your posts are suberbly written and informative, although a bit on the technical side, and you don't want to make them so that some can't understand them. If that happens they will skip over your posts and miss a good opportunity to learn something valuable. My .02 cents.
Did anyone notice that this was Chokitka's last post? A mixed blessing. On the one hand we will miss the contrubutions of "one of the top players in the world". On the other hand, that poem he posted made blood spurt out of my eyes and ears.
all them people and all their money
i cant stay away from it honey
all their moves and all that cash
i'm going to build my own little stash, cause
i flopped the lock ya
i flopped the lock
all this time and all this money
i dont even know if it sunny
all these bluffs and all these bad beats
i'm goning to be living in these streets, cause
you riverd the nuts, oh no
your rivered the nuts
Lol diab that was funny. I presume dongkey in that context to mean fish? Am I correct? Anyway, its just another bad beat and if youve gotten it 10 times in a row!? Youre just in another patch of bad luck dude. I doubt u have been playing for 15 years cause if u did you'd know whats its like playing poker, part of it is not letting the bad beats get to you, which it obviously has. Take some time off, your luck will change, getting bad beats means youre doing the right thing, youre calling in with the better hand, youre just missing the luck element, keep your play up and in time you'll get your money back and probly hand out some bad beats yourself. Good luck.


text:
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Some chimes seem to be overpowering and much louder than you might want. To lessen the harshness of chimes, stuff a cotton ball into each end of each metal cylinder. The result will be a muted, much softer sound that might be better suited to your ears.
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WordPress footer widget plugins are the effective tools that are being used to customize the appearance of a site or to implement additional functionality in it. Using footer widgets actually saves you effort and time needed to implement additional features. Here, in our today's post I have compiled a list of some of the amazing free footer WordPress widgets for your wordpress blogs.
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New Trendy Short Hair Styles | 2013 Short Haircut for Women
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ULi Fights Back - M1695 Athlon 64 Chipset Preview
Version and / or Patch Used: 2005 ver. 1.0
Developer Homepage: http://www.futuremark.com
Product Homepage: http://www.futuremark.com/products/pcmark05/
PCMark is a multipurpose benchmark, suited for benchmarking all kinds of PCs, from laptops to workstations, as well as across multiple Windows operating systems. This easy-to-use benchmark makes professional strength benchmarking software available even to novice users. PCMark consists of a series of tests that represent common tasks in home and office programs. PCMark also covers many additional areas outside the scope of other MadOnion.com benchmarks.
PCMark05 shows that the ULi chipset board even in its reference stage is able to keep up with the major chipsets already on the market in retail form which is a great sign for ULi. ULi actually manages to take the lead over the VIA chipset in the HDD results.
PRICING: You can find products similar to this one for sale below.
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I am on this site on my iPad and phone all the time. And it would make it a lot more convenient for there to be an app.
- Yes there should be an app!!!71% (32)58% (14)67% (46)Vote
- No there shouldn't be an app!4% (2)17% (4)9% (6)Vote
- I'm indifferent about it.25% (11)25% (6)24% (17)Vote
Most Helpful Girl
Good news for you - There is an app coming!
We are currently developing a mobile version of the site, a mobile app for the site and a completely new version of GirlsAskGuys for desktop as well!
These updates are expected to roll out early 2014, so stay tuned for updates :-)62|40|0
I probably shouldve read this before answering :$
Great to hear there's an app coming out!
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Yay! xD
Thanks for BA :-)


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A new award aims to recognise and reward rising sustainability stars building a better future for Australia.
The Green Building Council of Australia (GBCA) has launched the Future Green Leader Award to encourage emerging leaders with creative ideas and commitment to the property and construction industry.
"We are excited to be launching the Future Green Leader Award, which will honour up-and-coming sustainability specialists who are demonstrating strong leadership and potential," says the GBCA's Chief Executive, Romilly Madew.
"We hope this new award will also inspire other young people at the start of their careers to embrace sustainable thinking," Ms Madew adds.
The Future Green Leader Award is being supported by Australand and Interface. Managing Director of Australand, Bob Johnston, says: "The focus on sustainability within the property industry has increased significantly over the last 10 years. Future Green Leaders will continue to encourage this evolution. We are proud to support the Future Green Leaders award and network and welcome the next wave of sustainability professionals and leaders into the industry."
Managing Director of Interface Australia Clinton Squires, says: "Sustainability has been embedded into the Interface culture for almost 20 years. We are excited to sponsor this year's Future Green Leaders award and look forward to seeing where the next generation of sustainable thinkers takes us."
Applicants must outline – using written, video or visual media – what drives their interest in sustainability. Applicants must be under the age of 30 to be eligible, and be members of the GBCA's Future Green Leaders network, which is free to join. Award applications are open until 1 September 2014.
The winner will receive a one year VIP pass to unlimited GBCA events, courses, site tours and online learning, a coveted speaking spot at Green Building Day 2015, three mentoring sessions with an industry leader plus recognition as the Future Green Leader 2014.
"Sustainability professionals are acutely aware that we don't inherit the planet from our ancestors, but borrow it from our children. This award is an exciting new platform for us to promote the critical role that our industry's future leaders will play in creating a sustainable built environment for us all," Ms Madew concludes.
More information, including application requirements and terms and conditions, can be found online:


text:
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March 11, 2010
STATE OF NEW JERSEY, PLAINTIFF-RESPONDENT,v.MATHURIN AMBROISE, DEFENDANT-APPELLANT.
On appeal from Superior Court of New Jersey, Law Division, Atlantic County, No. 07-01-00007-SGJ.
Submitted February 23, 2010
Before Judges Wefing and Messano.
Defendant was indicted for first-degree transporting property derived from criminal activity, N.J.S.A. 2C:21-25a, and second-degree receiving stolen property, N.J.S.A. 2C:20-7. On July 7, 2008, he entered a negotiated plea of guilty to the latter charge, with the State agreeing to recommend that defendant be sentenced as if convicted of a third-degree crime to a term of three years. Defendant subsequently filed a motion to withdraw his guilty plea. The trial court denied the motion and sentenced defendant in accordance with the terms of the plea agreement. Defendant has appealed. After reviewing the record in light of the contentions advanced on appeal, we reverse and remand for further proceedings.
Question 17 of the plea form executed by defendant asked, "Do you understand that if you are not a United States citizen or national, you may be deported by virtue of your plea of guilty?" The answer "Yes" was circled.
When defendant entered his guilty plea, he had the following colloquy with the trial court.
Q: I understand that you are not a citizen of this country, is that correct?
A: Yes, I'm not.
Q: All right. And we discussed earlier today that by entering a guilty plea, it may have an adverse impact upon your immigration status and you understand that?
A: Yes, sir.
Q: All right. And you believe that you've had enough time to review that issue with your counsel?
A: I wish to have more time, but I think we did our best.
Q: All right. Well, you're going to have a sentencing date that's later on. We're likely giving sentencing dates in September and perhaps even would be agreeable to something a little bit later than that if everybody needed a little bit more time. So at this point, are you prepared to go forward with your guilty plea?
A: Yes.
Following those proceedings, defendant consulted with an attorney who practiced in the field of immigration law. That attorney forwarded an opinion letter stating that if defendant was either found guilty or pled guilty to this second-degree charge, "he will almost certainly be deported and/or removed from the United States."
Defendant then filed his motion to withdraw his guilty plea. He presented several reasons to the trial court why he should be permitted to withdraw his guilty plea: his lack of knowledge of the immigration consequences of his guilty plea and its impact on whether he could be admitted to Intensive Supervision Program, and the inadequacy of the factual basis behind his plea.
In denying the motion with respect to the immigration consequences, the trial court referred to those consequences as "collateral" to the entry of a guilty plea. In its brief to us, the State repeats that characterization, citing State v. Chung, 210 N.J. Super. 427 (App. Div. 1986). Chung, however, no longer represents the law. The Supreme Court in July 2009 decided State v. Nunez-Valdez, 200 N.J. 129, 138, 143 (2009), in which it stressed the necessity of a defendant having a full understanding of the potential immigration consequences of a guilty plea. The trial court did not have the benefit of the Court's analysis at the time of defendant's motion, for it was decided some months after the trial court decided that motion. Defendant's appeal, however, was pending before us at the time of the Court's decision, and he is entitled to pipeline retroactivity.
We note in addition that the Supreme Court decided State v. Slater, 198 N.J. 145 (2009), in which it articulated the standards to be employed by a trial court in considering a motion to withdraw a guilty plea, after this trial court denied defendant's motion. The trial court did not have available to it the Slater standard when it decided defendant's motion.
We reverse the trial court's order and remand the matter to the trial court for reconsideration in light of State v. NunezValdez and State v. Slater.
Reversed and remanded.
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How many times have you thought to yourself, "maybe I should learn CPR?" Maybe you should. This simple procedure saves countless lives each year.
When someone goes into cardiac arrest their heart stops beating, meaning blood stops moving through their body. When that happens, oxygen doesn't make it to the brain and serious brain damage occurs or the patient dies.
It would be convenient to go into cardiac arrest inside the walls of a hospital, but unfortunately that only happens about 20% of the time. The rest of the time it happens at home, or at the office or while walking down the street. According to the American Heart Association, about 288,000 cases of cardiac arrest occur each year outside of a hospital and fewer than 10% of the patients survive.
Cardiopulmonary resuscitation, the formal name for CPR, is a way to manually pump the heart, moving blood through the body, until medical help arrives. The procedure isn't likely to restart the heart but it can restore at least partial blood flow.
Just 38 minutes
Japanese researchers have found that performing CPR on a heart attack victim for 38 minutes or longer can improve a patient's chance of survival. It also improves the chances that survivors will have normal brain function, researchers said.
Of course, time is of the essence. After allowing for other factors that can affect neurological outcomes, researchers found that the odds of surviving an out-of-hospital cardiac arrest without severe brain damage dropped five percent for every 60 seconds that passed before normal blood circulation was restored.
The problem is, most people haven't been trained in administering CPR. Fortunately, it's not a complicated procedure and is fairly easy to master.
Research presented at the American Heart Association's Scientific Sessions 2013 in Dallas found that just one minute of training for bystanders in a crowded shopping mall could save a cardiac arrest victim.
60 seconds of training
The researchers used a one-minute CPR video to improve responsiveness and teach compression only CPR to people with no CPR experience. Compression only CPR – now the preferred method – does not require breathing air into the victim's mouth but simply applying pressure to the chest in a regular rhythm. The brief American Heart Association video below shows how it is done.
To prove their point, researchers divided participants in the study into two groups: 48 adults looked at the video, while 47 sat doing nothing for one minute.
With a mannequin playing the role of a heart attack victim, both groups were asked to do "what they thought best." Researchers measured responsiveness as time to call 9-1-1 and start chest compression and CPR quality reflected by chest compression depth, rate and hands-off interval time.
The people who watched the one-minute video called 9-1-1 more frequently, initiated chest compression sooner, had an increased chest compression rate and a decreased hands-off interval, researchers said.
"Given the short length of training, these findings suggest that ultra-brief video training may have potential as a universal intervention for public venues to help bystander reaction and improve CPR skills," said Ashish Panchal, lead researcher of the study.
It's probably advisable, however, to spend more than 60 seconds learning CPR. There are a variety of courses offered by groups that can probably be found in your local area. To help you find a course near you, the American Heart Association provides this handy course locater.


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So, What Goes Here, Anyway?
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Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected.
I'm just experimenting with features, and I don't really have a lot more to say. What typically goes into a new blog post? How many eyeballs will see this post, anyway?


text:
Waltermart Cinemas
Waltermart Plaridel, Cagayan Valley Rd., Plaridel, Bulacan
- 3 Reviews
- 0 Recommend
- 3 Reviewers
Primary Details
- Category:
- Movie Theatre
More Info
Most Recent Reviews
i love the movie house here.
Very clean, in order, not crowded and the crowd is not rowdy.
We usually go here for LFS.
- No. of Comments: 0
- No. of Likes: 1 Like
Walter Cinema is the nearest movie house in our Home and I simply love this place because it is cheaper to watch here compared to other movie house nearby. Plus only a few watches here :p
Last year it was just renovated so you'll notice that the movie house looks all-new.
- No. of Comments: 1
- No. of Likes: 4 Likes
Yesterday, my parents and I watched Heneral Luna in Walter Mart for a low price of P160 per ticket. The ticket price is definitely cheaper compared to other cinemas.
The movie house was actually not that big but there were only few people watching that time so it's okay. :) Their ticket is actually weird because it's not showing any details of the movie that you'll watch. During the last part of the movie, there were times that the audio was shaky.
Overall, the movie house was okay. You can still experience a good movie time here.
- No. of Comments: 3
- No. of Likes: 2 Likes


text: I don't know about anybody else but I'm getting a little bit tired of seeing Bluetooth threads all over the forums, full of people all asking the same questions when they're too lazy to read the thread or simply search for the answer. So I've copy-pasted my reply to one of the millions of Bluetooth threads here, and I will update this post as soon as I'm aware of any iBluetooth action. Like everybody else, I'm eager to get Bluetooth file transfer working on my iPod, but there's nothing we can do until a working/updated app is released. If a mod wants to sticky this thread to provide lazy users with a quick answer to their queries instead of littering hundreds of other threads with questions that have been asked and answered a million times already, then please do. Working devices listed in green, non-working devices in red. --- Latest update: 31 July 2009 (added link to Bluetooth headset thread, thanks StaticFX) Bluetooth is a new feature in 3.0 but the chip has always been there (for Nike+) - Apple simply didn't allow you to access it directly. Now you can, but only for connecting wireless headphones/headsets and playing supported games with others nearby - FILE TRANSFER IS STILL LOCKED. Jailbroken 3.0 users do have options in terms of a workaround to unlock file transfer over Bluetooth, however: iPhone 2G/3G users Use iBluetooth. There is a patched version of 1.0.8 which is reported to be fully working on jailbroken iPhones running firmware 3.0. Installation instructions here (you'll need to SSH it to the phone and install it via MobileTerminal). iPod Touch 2G users iBluetooth doesn't work yet, and there's no alternative. Wait for the update, apparently we'll have a working version around the 'end of August' iPhone 3GS users The 3GS uses a different chip from the previous iPhones, and the patched iBluetooth is not yet compatible. Once again, you will have to wait for a compatible update. --- Note: You can follow the iBluetooth developer's updates directly here. Note also: The updated iBluetooth is not going to be released faster because you really want it, or because you continually ask questions about it, or because you complain about the fact that it's taking a long time to be released. Just be patient, and check for updates regularly.


text:
Muddy Collie Photography Photographer
Jayc YuPhotographer Male Vancouver, British Columbia, Canada
My Website: FlickrMy MM URL: http://www.modelmayhem.com/jaycyu
Mayhem # 2290900
About MeMy infrared-capable camera died, and I will be getting an updated version in Q3 of 2016. At the moment, I have a 5Dii, allowing me to shoot in normal color at the same quality as I do in the past.
I specialize in infrared.
Hair colors in the mid tone like red are wild cards, while blond hair, and dyed hair (of any color) work best, as well as wigs.
After a dozen unsuccessful shoots, I have to conclude infrared doesn't render dark hair well. I do not know why that's the case. This is not to say I do not shoot brunette, as I think my normal color style is comparable to IR; it's just I can't produce the infrared variation.
TF collaboration is appreciated. Both parties have the rights to the photos. With a turn around time of two weeks, selective full resolution Jpeg & digital negatives will be sent with Dropbox.com.
My email is on my flickr profile page, if you don't have a MM account to PM from.
Facebook: http://www.facebook.com/jayc.yu
My availability is Thursday, Friday, and Saturday.
Have you worked with Jayc Yu? Add Credits for Jayc Yu! >>
See Sample Worked together 2-10 times; Most recent: May 2015
Credit Notes[First Run]
Kyra Tomko 2160931
Paige Rash 2311736
Dana Sorensen 1709968
Veebi 1598246
Jane Loh 1236847
Melisa Manera 2227171
Megan Hill 2339909
Klara J 8024696
[Second Run]
Charmyn Chan 2649634
Miss Lizzie Anne 2647792
Kateryna Mazurok 2459809
Elaina Mae 2269918
Chelsea L Walker 1024922
Lavender Lux 2695945
Lillie C 2343697
Heidi Gwaii 2481211
WinterEspana 2493102
Amy Betts 2634916
Catelina Steijn 2752537
cannibalxashi 266030
ChocoMo 2768563
Rhiannon Carreira 2791010
tray-cee 1216227
Sabrina Isabella Bruns 2595280
Hannah Block 2768636
[Third Run]
Terra Jean 1236330
Creamy Mami 2808539
Stormy Enyd 2342664
Elle Fortune 3002547
Samantha-M 2138786
Georsha 2641121
Dana Sorensen 1709968
Hannah Block 2768636
Heidi Gwaii 2481211
Rowen Bellamy 273717
VanJosephine 3166963
Dane Halo 1393247
Lucie Hart 1362535
Brittnie Rae 2439253
Kristi Dawn 2202729
Erica Seckinger facebook
victoria Rose k 2460254
Maiwan 798394
Siobhan Low 2899412
Muerte Belle 3182271
My Restless Dream meetup.com
[Fourth Run]
Candice 545901
Kyla Neustaeter 1012533
Danae Dumontet 3097690
Kyla Neustaeter 1012533
Wil Claeys 3266009
Erica Seckinger facebook
Lucy Cain 3094552
Lady Lucy 3256381
Christy Donald 3369723
Kelsey-Barnwell 3342659
Linda M 3079136
CourtneyLynneCarls 3400870
Kyla Neustaeter 1012533
[Fifth Run]
Dane Halo 1393247
Kyla Neustaeter 1012533
[Pending shoots]
Muddy Collie Photography Photographer
Jillian V Model
Leah Knox Model
Pie Bear Model
Owen Hsiung Thomas Digital Artist
Candice Lia Model
Loading Content


text:
ITT CANNON DBMAF25SF0 D Sub Connector Housing, D*MA Series, D Sub, DB, Receptacle, 25 Positions, Steel Body
The actual product may differ from image shown
Product Information
- Product Range:
- D*MA Series
- Connector Type:
- D Sub
- Connector Shell Size:
- Gender:
- Receptacle
- No. of Positions:
- 25Positions
- Connector Body Material:
- Steel Body
- For Use With:
- ITT Cannon D*MA Series Subminiature Crimp Socket Contacts
- To Be Advised
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text:
In the last fortnight I had made this several number of times and he eats the bhaji with almost anything not just Pav. It is almost like "Thottuka Vendam, Appadiye Saapiduven". Here is the recipe…
In the last fortnight I had made this several number of times and he eats the bhaji with almost anything not just Pav. It is almost like "Thottuka Vendam, Appadiye Saapiduven". Here is the recipe…
Now Serving says
Happy to hear that the food restrictions for you son are a thing of the past, Radhika – I know my baby has milk allergies when she was born and I had to switch to Soy milk because i was nursing her – It made me gassy and had a lot of stomach cramping etc.
The Pav bhaji looks delish! And your comment reminds me of kudika vendam, apudiye shapduven .. horlicks, right?
Krithi's Kitchen says
Looks absolutely yummy.. Perfect snack and filling one..
Satya says
pav bhajji looks delicious…It is a big favorite in my home too : )
Deepti says
Its one among my favorites…
Vandana Rajesh says
Absolutely yummy looking pav bhaji..one of my favourites.
Rachu says
Yummilicious! Its so tmepting…
Cilantro says
Looks delicious! My daughter too has it with almost everything.
Panchpakwan says
So delicious…Can have it anytime in a day..
Sushma Mallya says
I absolutely love pav bhaji my family fav,looks yum!
Reshmi Mahesh says
Hey your pav bhaji makes me drool….just lovely…
Sushma Mallya says
One of my favs…look so delicious
Smart Rascal says
nice my favorites items,,,,,
Only Fish Recipes says
wow..this pav bhaji looks absolutely delicious….I can hav a plateful of this 🙂 first time here…u hav a lovely blog…..happy to follow u….do visit mine whenever u hav time !
Eat Hearty says
Looks so delicious!! I'm hungry!!
Sanyukta Gour(Bayes) says
pavbhaji looks yummy n mouthwatering..
first time here ,u hv a lovely space…visit mine as time permits…
Suchi says
looks great Radhika- It's been so long since I made pav bhaji and looking at your recipe makes me wanna eat 🙂
SheenaBabu says
looks Perfect


text:
Despicable Me Minion Mania Poster
Official Merch
(approx. $5.20 or €4.90)
- Only 6 left in stock (more expected soon)
- No Worries 14-Day Exchanges
- Official Merchandise
Fast Delivery by Royal Mail (3-5 Days)
Buy now for fast delivery
Product Info
Uh oh! They have made it to the UK! This brilliant poster features the stars of the 2015 'Minions' movie, Stuart, Kevin and Bob! Speeding through the streets on their motorcycle, the bright yellow trio will inject some serious colour and fun into any home with this adorable poster to hang on your wall. Official Merchandise.
- Size: 91.5cm x 61cm
- Product Type: Poster
- Product Code: 83255


text:
Having a building that is in need of refurbishment whether you've just bought it or have owned it for a few years can be daunting. The design, planning, materials and then the actual refurbishment of the property.
Here at Technical Procurement we help businesses from beginning to end with any project and deliver on budget, and on time!
Arrange a meeting, look at our previous work or maybe you've already seen our work, either way contact us and lets talk refurbishments.


text:
Find. Book. Pitchup.
- We make it a doddle to book campsites, glamping sites and caravan parks throughout the UK, Europe and the Americas.
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3 bookable sites within 40 miles of Pendine
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Llandysul, Ceredigion, Wales Show on map
|3 bedroom holiday home (CH DG)
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Haverfordwest, Pembrokeshire, Wales Show on mapLast booked
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text:
How to Change Your Name in Google Accounts
Google Accounts is an integrated system used to sign in to Google's products, which include Gmail, Blogger and Checkout. Information in Google Accounts follows owners to these products, such as a name in an email sent to a recipient, a blog post or an order placed in Checkout. However, you may not want your full name on a public blog post, but you would prefer your full name on an order placed in Checkout. You have the flexibility to change your name in Google Accounts.
Step 1
Navigate to the "Google Accounts" home page and sign in.
Step 2
Scroll down to the "Email addresses" section under "Personal Settings." Click on "Edit" to advance to the next page.
Step 3
Delete or type over your "First name," "Last name" and "Nickname."
Step 4
Scroll down to the bottom of the page and click on the "Save" button.
Step 5
Click the "Back" link next to the message "Your account information has been updated and saved" to return to "Personal Settings"; it is highlighted in yellow.
Tips & Warnings
- You can change your Google Account "username" to an alternate email address. However, if you use Gmail with your Google Account, it's not possible to change the account username; instead, you can create another Google Account with an alternate Gmail username.
- Be careful to differentiate between your personal "name" and "username."