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Greenlight Capital Re, Ltd. (NASDAQ:GLRE)
Q1 2010 Earnings Call Transcript
May 4, 2010 9:00 am ET
David Einhorn – Chairman
Len Goldberg – CEO
Bart Hedges – President and Chief Underwriting Officer
Tim Courtis – CFO
Jim Bradshaw – Bares Capital Management
Rusty Deuss [ph] – JP Morgan
Thank you for joining the Greenlight Capital RE Limited conference call on first quarter 2010 earnings. Joining us on the call this morning are David Einhorn, Chairman, Len Goldberg, Chief Executive Officer, Bart Hedges, President and Chief Underwriting Officer and Tim Courtis, Chief Financial Officer. The company reminds you that forward-looking statements that may be made in this call are intended to be covered by the Safe Harbor Provisions of the Private Securities Litigation Reform Act of 1995.
Forward-looking statements are not statements of historical fact, but rather reflect the company's current expectations, estimates and predictions about future results and events and are subject to risks, uncertainties and assumptions including risks, uncertainties and assumptions that are enumerated in the company's Form 10-K dated February 24, 2010 and other documents filed by the company with the SEC. If one or more risks or uncertainties materialize or if the company's underlying assumptions prove to be incorrect, actual results may vary materially from what the company projects. The company undertakes no obligation to update publicly or revise any forward-looking statements whether as a result of new information, future events or otherwise.
After today's presentation, there will be an opportunity to ask questions. (Operator Instructions) Please note, this event is being recorded. I would now like to turn the conference over to Len Goldberg, Chief Executive Officer. Please go ahead.
Len Goldberg
Thank you and good morning. My name is Len Goldberg, Chief Executive Officer of Greenlight RE. Thank you for taking the time to join us today. In the first quarter of 2010, Greenlight Re produced a strong result in our underwriting portfolio and a small loss in our investment portfolio. Overall, our fully diluted, adjusted, book value per share decreased by 1.9% in the quarter.
We continue to build on our strong re-insurance franchise during the quarter. Though pricing is still difficult, we are pleased with the performance of our underwriting portfolio. We are especially pleased that although there are a number of significant catastrophe events in the first quarter, including the Chilean earthquake and Xynthia, the European winter storm, we were largely unaffected by these events.
After a 6.4% gain in the fourth quarter of 2009, we had a negative investment return in the first quarter of 2010. However, we achieved our goal of preserving capital. While the equity markets were up strongly in the first quarter, the economic environment ahead still seems quite unstable.
Our combined ratio was 92.6% in the first quarter of 2010. Our strategy of writing a small catastrophe retrocessional book generally focused on peak exposures continues to pay dividends. We believe the pricing of this business continues to hold up much better than traditional property catastrophe re-insurance.
At the same time, we tend to not be affected by events like the earthquake in Chile and the winter storm, Xynthia, just as we were not affected by hurricanes Ike and Gustav in 2008 as the insured losses from these events are not of significant magnitude to impact our contracts.
In the first quarter, we also recognize a gain from the commutation of a medical malpractice contract. For the rest of the book, our combined ratio was similar to 2009 and 2008. Our gross written premium decreased 7% compared to the first quarter of 2009. However, the frequency oriented business that we prefer rose 12% while severity business decreased 42%.
Even though overall market pricing continues to be depressed, we believe the areas of business we continue to focus on still provide acceptable returns and strong opportunities. Our areas of focus continue to be employer stop loss, Florida Homeowners, Small Account Workers' Compensation and General Liability and Property Catastrophe Retro.
As we mentioned last quarter, we saw an opportunity to add a small portfolio of credit and surety risks as of January 1st. We also canceled a commercial motor contract as of March 31st of this year. We continue to seek other pockets of profitable business, but they are hard to come by in the current market environment.
Bart will take you through this in more detail. Meanwhile, we remain focused on only writing accounts that we believe can generate an acceptable return on capital deployed. Our investment portfolio lost 1.9% in the first quarter of 2010 as we maintained a defensively positioned portfolio in what was a very strong quarter for the equity markets.
Our portfolio tends to be short, highly-leveraged companies. So, when markets like we saw in the first quarter, the drag from the short portfolio can overcome the gains in the long portfolio. In the month of April, we reported a 0.1% loss on our investment portfolio.
And now, I'd like to turn the call over to our Chairman, David Einhorn, to discuss our investment results in more detail and the progress in Greenlight RE's overall strategy.
David Einhorn
Thanks, Len and thanks to everyone for joining us today. Last week, I went to the Cayman Islands for two days for Greenlight RE's Quarterly Board Meeting and Annual Shareholders' Meeting. This gave me an opportunity to spend some time with the team.
Over the past couple of years, Len has done a great job growing Greenlight RE's team which now stands at 15 strong. We're well positioned to capitalize on an expanded opportunity set in the re-insurance market when a more favorable pricing environment emerges.
Meanwhile, we've done a good job finding underwriting opportunities in select lines of business. Gross written premiums have grown at a measured pace over the past few years and the team has continued to underwrite in a profitable and disciplined manner. We invite you all to attend Greenlight RE's Investor Meeting in New York on May 18th for an in-depth presentation on Greenlight RE's strategy and opportunities from Len and the team.
In the first quarter, Greenlight RE's investment portfolio lost 1.9%. We remain conservatively positioned with a net long exposure of 26% in the first quarter as we did throughout the course of 2009. Even though the portfolio had a similar net exposure as it did a year ago, the portfolio is now more gross invested on both sides and now has almost twice the short exposure as it did at the 2009 bottom.
We still maintain a debt allocation of around 10% but have exited more than half of our debt positions as they have appreciated substantially. Just as we were surprised by the extent of the sell off that lasted until mid March 2009, we're also somewhat surprised by the exuberance which is now pricing into the market on a daily basis.
In the first quarter, we did not add any significant new long positions to the portfolio because it has been hard to find anything at a compelling value. We are not inclined to chase the market at these prices.
The economy and corporate earnings have improved since the market bottomed during the crisis, but no where near as much as financial markets have recovered. We're worried about the price at which this recover – pace, excuse me. I'm sorry, we're worried about the price at which this recovery has come and the future implications this might hold for the U.S. dollar and other reserve currencies.
We're still facing multiple challenges including a 10% unemployment rate, high consumer debt and challenging housing market as well as global sovereign debt problems. We continue to hold a significant position in gold and other portfolio insurance such as options on interest rates and currencies and a modest amount of sovereign credit default protection.
Although our net long position remains conservative relative to where we have been in the past, we're slightly net long and positioned to take advantage of opportunities that might arise in the future, hopefully, at cheaper prices. At present, we're not positioned to participate meaningfully in the current tail wind but believe we should preserve capital in a head wind and have constructed a portfolio where we're looking to capture alpha on both long and shorts over time, something that did not happen in the first quarter as our long portfolio slightly underperformed and our short portfolio slightly outperformed.
Now, I'd like to turn the call over to Bart to discuss in more detail Greenlight RE's underwriting progress.
Bart Hedges
Thanks, David. On our last call, we discussed in detail the four main areas where we have been seeing success. As Lenny mentioned, we believe these businesses have good potential. We see employer stop loss as a continued growth area for Greenlight RE. We have solid experience in this sector and we have partnered with very knowledgeable people.
The results thus far have been better than we initially expected. This is very short tailed, low volatility business and pricing is still in excess of loss trend. The recently passed healthcare reform legislation in the United States may impact the business either positively or negatively at some point in the future, but it is too soon to tell what those impacts could be.
We continue to monitor events closely. The Florida Homeowners' market remains in crisis as we mentioned last quarter. In fact, it has worsened. We believe there have been at least a half dozen small homeowners' companies that have been forced to stop writing business by Florida regulators due to capital concerns.
This has fueled additional concern in the market which, in turn, has resulted in rate increases. In addition, MDA fees paid by these companies are being scrutinized by the Florida Insurance Regulators resulting in a less attractive environment for hard capital investments.
With lower capital and higher premiums, more companies will be turning to Quota Share Covers as a form of capital support. This is an area where we have been successful in the past and we believe we will see a number of opportunities on this front in the coming months.
Our third area of emphasis, small accounts, continues to outperform large accounts in this environment. We have been focused on workers' comp and general liability lines with small average premiums. Competition in this market segment – competition is lower in this market segment as shopping happens less often and a portion of the business is written at minimum premiums, a base premium regardless of the amount of exposure covered which typically results in a better risk-adjusted price for the seller.
We have a select number of partners in this business who know their markets well and are carefully expanding their platforms to increase the flow of opportunities. Finally, we continue to write a profitable book of peak exposure property cat retro.
As Lenny mentioned, we were not affected by the events of the first quarter just as we were not affected by hurricanes Ike and Gustav in 2008. We may, at some point, experience a loss in this portfolio but we believe if that happens, the size of the losses the market will experience will be large enough to drive up market pricing.
Our maximum catastrophe exposure to any one event in the first quarter of 2010 is $58.5 million which is unchanged from the fourth quarter of 2009. Our aggregate maximum exposure to all catastrophic events is $97.5 million, also unchanged from the fourth quarter.
As a reminder, we always state our catastrophe aggregates as the absolute amount of limit we have at risk less any reinstatement premiums. As we mentioned last month, we have entered into the trade credit maturity markets consistent with the Greenlight RE approach, we are being very selective about our participation in this market and are partnering with companies that we feel are experts in this business.
The biggest part of the book is traditional European based trade credit where pricing is increased by 40% or so over the last two years and our portfolio is benefiting from considerable re-underwriting efforts by the original insurers. The assurity business is written on both the re-insurance and retrocessional basis and is currently comprised of small U.S. risks and large international risks.
In keeping with our focus on accounts where we can make an acceptable return on capital, we canceled a large commercial motor account as of March 31st of this year. The client is a good partner of ours who we believe outperformed the market.
The issue was the pricing of the market place, especially in a large account area that was the focus of this client. Prices per power unit continue to fall and we believe it will be difficult to make a reasonable profit in this business until pricing moves up substantially.
We ended this relation – relationship on positive terms and believe we have an opportunity to work with this client again when market conditions warrant. We believe we still have a significant untapped underwriting capacity that we are reserving for a time when the pricing turn eventually comes.
But for now, we believe we have a well positioned underwriting portfolio in the event prices fall further and are poised for growth should pricing begin increase towards the end of 2010 or into 2011. Now, I'd like to hand the call over to Tim to discuss our financial results.
Tim Courtis
Thanks, Bart. Greenlight RE reported a net loss of $12.4 million for the first quarter of 2010 compared to a net profit of $27.8 million for the comparable period in 2009. On a per-share basis, the net loss was $0.34 per share for the three months ended March 31st, 2010 compared to net income of $0.77 per share on a fully diluted basis for the same period in 2009.
Gross written premiums declined slightly during the first quarter of 2010 compared to 2009. While our frequency based premium increased by approximately 12%, the decrease in total premiums written for the quarter was primarily the result of our decision to reduce our participation on a property catastrophe contract and also the termination of a medical malpractice contract.
Net earned premiums for the three months ended March 31, 2010 were $55.3 million, an increase of 19.7% when compared to the net earned premiums of $46.2 million reported in the first quarter of 2009. This increase in earned premiums is a reflection of the earnings on our frequency business which has grown during the first quarter of 2010.
We reported a net investment loss of $16.8 million during the first quarter of 2010, reflecting a net loss of 1.9% on our investment accounts. The composite ratio for our frequency business for the three months ended March 31, 2010 was 97.5% and it was 14.1% for severity business, resulting in an overall composite ratio of 83.3%. Internal expenses were 9.3% of net earned premiums for the first quarter of 2010 compared to 9.5% reported for the comparable period in 2009.
Our combined ratio for the first quarter of 2010 was 92.6% compared to a combined ratio of 103.6% for the same period in 2009. The reduction in the first quarter combined ratio is primarily the result of reduced losses being reported on our severity business.
As discussed in previous calls, we expect the loss ratio on our severity business could be volatile from period to period. For the three months ended March 31, 2010, the losses reported on our property excess of loss contracts was very low and the overall severity loss ratio was further reduced due to the reversal of loss reserves previously accrued on a medical malpractice contract that was commuted during the quarter.
Fully diluted, adjusted book value per share decreased by 1.9% in the first quarter. For the 12 months ended March 31, 2010, fully diluted, adjusted book value per share increased by 32.1% to $18.60 from $14.08 at March 31, 2009. I am pleased to report that on April 28, 2010, we held our Annual General Meeting. All five proposals were approved by shareholders, including the re-election of all our incumbent directors for additional one-year term and also the increase to the number of shares available under our stock incentive plan.
I'll now turn the call back to Lenny who will provide some concluding remarks.
Len Goldberg
Thanks, Tim. The first quarter of 2010 presented us with a challenging underwriting environment along with a number of major industry loss events. Our underwriting portfolio performed well in the face of these challenges. In addition, our investment portfolio preserved capital in what are still somewhat stressed and uncertain financial markets.
We have executed this differentiated strategy consistently since we started operations in 2005. Our objective is to write a concentrated underwriting portfolio with the best risk-adjusted returns we can find and to utilize the flow generated from these contracts to invest in our deep value, long-short investment program which has generated superior returns with less volatility than the overall equity markets.
We will continue to execute on this strategy and remain focused on driving our key yard stick, increased book value per share. We appreciate your continued confidence in Greenlight RE.
As David mentioned, Greenlight RE will hold an investor meeting on Tuesday, May 18, 2010 in New York City. Presentations will be given by the members of the executive management team and David and the meeting will include a question-and-answer session. You can find more information on this event under the news section of our website. Thank you again for your time and now, we would like to open the call up to questions.
Question-and-Answer Session
We will now begin the question-and-answer session. (Operator Instructions) The first question comes from Jim Bradshaw of Bares Capital Management. Please go ahead.
Jim Bradshaw – Bares Capital Management
Thank you. Good morning, guys. In the Q, you guys mentioned a number of large frequency opportunities that can fit your strategy. I wonder, if you could give a little bit more color on what you were talking about there?
Len Goldberg
Sure, Jim. This is Lenny. I think we're looking at the same areas that Bart has highlighted. We're – they're as far as the opportunities that we would complete. I mean, we're seeing opportunities in all lines but the ones that are most palatable to us are still in the small account area, employer stop loss area and Florida Homeowners.
Jim Bradshaw – Bares Capital Management
Okay. All right, appreciate it. Thank you.
(Operator Instructions) We have a question from Rusty Deuss [ph] of JP Morgan. Please go ahead.
Rusty Deuss – JP Morgan
Morning, fellas. You want to comment at all on any of the investment portfolio you highlighted in your annual letters, specifically maybe BSX and/or Vodafone, please?
David Einhorn
I'm sorry, what was the first one, Rusty?
Rusty Deuss – JP Morgan
David Einhorn
BSX or Vodafone. Okay.
Rusty Deuss – JP Morgan
David Einhorn
Sure. The Boston Scientific was an investment that we made in the fourth quarter of 2009. It was made on the expectation that a new management team had been brought in, they'd been in there for a while. They were going to announce a turnaround plan with some metrics and some metrics and so forth. And we thought that they were set up to do rather nicely and we were surprised when they announced their quarterly result. And they announced they had completed the plan but they wouldn't tell anybody much about the metrics. And it sure sounded like it was going to take an awful long time for them to turn their business around. So, we promptly exited and incurred a very modest loss on the position considering that our thesis did not materialize. Vodafone remains at a large position in the portfolio.
The basic thinking there is that the share price does not reflect a full valuation or even maybe even any valuation for Vodafone's 45% interest in Verizon Wireless. Because right now, Vodafone doesn't get any cash from Verizon Wireless, so it doesn't show up in any of their cash flow metrics or in their dividend yield which tend to be some of the kinds of things that some of the sell side and buy side analysts look at. What's interesting about it is as most of the cash from Verizon Wireless has been going to repay inter-company debt to Verizon. And that debt has been a substantial amount over the last couple of years which is now almost complete. Within the next month or two, all of that inter-company debt be repaid and then it will be interesting to see how Verizon and Vodafone work out what to do about the Verizon Wireless cash flows at that time. So, we're hopeful that that – however that is resolved, it will be in a way that will more fully reflect Vodafone's substantial ownership in Verizon Wireless and we hope that that will reflect in Vodafone's share price.
Rusty Deuss – JP Morgan
Thank you.
(Operator Instructions) This concludes our question-and-answer session. Should you have any follow-up questions, please direct them to Alex Stanton of Stanton Public Relations and Marketing at 212-780-0701 and he will be happy to assist you. We also remind you that a replay of this call and other pertinent information about Greenlight Capital RE Limited is available on our website at www.greenlightre.ky. The conference has concluded. You may now disconnect your line.
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Recently, Citi Equity Research released an updated list of global bond refugee stocks. Stocks with higher dividends and lower volatility as an alternative to bond investments. Among companies making the cut is Eli Lilly (NYSE:LLY), with a current dividend yield of 3.2%. Below, we continue our review of LLY in Part X of this series.
Glyndon Park Bond Refugee Recommend Actions:
Overall Bond Refugee Rating: Avoid
Valuation: Avoid
Dividend Stability: Unattractive
LLY develops and manufactures pharmaceutical products operating in two segments - human pharmaceuticals and animal health. LLY can best be described as in transition. LLY will likely see revenues under pressure from the loss of two key drugs losing patent protection. LLY has a robust pipeline of later-stage drugs that may neutralize losses to generic competition. LLY has taken aggressive actions to reduce its cost structure.
LLY has a market capitalization of $77.8 billion, enterprise value of $87.8 billion, and trades at 16.5 times trailing earnings. LLY trades at 18.6 times forward earnings, indicating a decline in expected earnings year-over-year. Analysts expect LLY earnings to grow at an anemic 2.2% annually over the next five years.
LLY trades at a premium to the S&P 500 on both a trailing and projected basis. LLY trades at a discount to the healthcare sector on a trailing basis, however, with declining earnings, LLY trades at a premium to the sector on a forward basis.
We rate LLY as Avoid, based on bond refugee criteria that stresses relative value and stability of income.
- LLY's loss of key revenue streams make earnings less predictable and shares appear overvalued on a forward basis.
Dividend Stability
LLY has a long track record of dividend payments. We note that a long history of annual dividend increases ended in recent years, with no increases since. On a financial basis, LLY's debt stands at 4.6 times EBITDA. The current payout ratio is 45%.
We rate LLY's dividend stability as Unattractive.
- Dividend growth is likely to be anemic, if any increases are seen at all.
- Debt is significant relative to EBITDA, which is at risk of decline with key revenue streams at risk and new opportunities dependent on approvals.
- Payout ratio is conservative, but may increase due to declining earnings.
Yahoo Finance
Wall Street Journal
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

subset: commoncrawl


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Price: £475,000 ono
There is a range of machinery and equipment which is for sale by negotiation if required
3-4 bed farmhouse with 6 acres, 2 eco-friendly holiday lets, outbuildings etc between the historic market towns of Lampeter & Newcastle Emlyn - far-reaching views over Teifi valley & Llanllwni mountain
Price: OIRO £475,000 (reduced)
4-bed Georgian cottage with 3 acres including landscaped gardens, part 2 of small country estate near Holywell, north Wales - easy reach of Chester (option to purchase further land)
Photo Gallery (photos of both parts of the small country estate)
Price: £475,000
3-bed detached farmhouse with outbuildings & 17 acres including grazing, woodland, stream & lake - haven for wildlife in rural Carmarthenshire yet just 15 minutes' drive from Carmarthen town centre
Also nearly new smallholding machinery at greatly reduced price
Photo Gallery
Price: £490,000 third price reduction
3-bed farmhouse with 2 established holiday lets, with 4.5 acres in Area of Outstanding Natural Beauty near Tywyn in Snowdonia National Park
Price: £495,000
4-bed renovated farmhouse + 3 ensuite letting rooms in a separate building, all in 8.5 acres pasture, near the ancient market & university town of Lampeter in west Wales
Photo Gallery
Price: £495,000
4-bed detached house with 3 bathrooms, potential for annexe, 4 acres & stable block, Anglesey - fabulous panoramic views of Snowdonia
Price £495,000
6-bed stone farmhouse with 4 reception rooms, annexe, workshop, stable complex, barn and 6.87 acres in an Area of Outstanding Natural Beauty- stunning views, nr Llanelli, Carmarthenshire and no chain!
Price: £499,950
4-bed farmhouse in approx 45 acres - idyllic location - very private with excellent views but not isolated; with polytunnels, productive fruit & veg gardens, woodland & pasture, nr Ammanford, Carmarthenshire
Photo Gallery
Price: £515,000 under offer
5-bed detached farmhouse with restored barn, outbuildings, workshop, 23 acres in sought-after village near Swansea; potential for variety of uses eg equestrian, farming, holiday lets, artist's studio or could be two separate properties, subject to planning. Private without being secluded and easy reach of shops, mainline trains, M4 etc
Sold subject to contract
Equestrian smallholding with 2 houses, 19 acres, 10 stables and a manège near Llandysul, west Wales
Sold subject to contract
Extended 4-bed farmhouse with 23 acres pastureland, stunning views in rural Felindre, Swansea
Offers in the region of £525,000 No Chain
3-bed detached house with separate letting accommodation of 5 studio flats, separate s-c flat, equestrian facilities, 18.3 acres near Pencader, Carmarthenshire; excellent income potential
Photo Gallery
Price: £575,000 price reduced
4-bed house and 2-bed self-contained barn conversion with stables & 11.5 acres, near Carmarthen west Wales. Income potential. Suit extended family or business with actual income on letting
Price: £580,000
3-bed farmhouse, 3-bed cottage, 2-bed log cabin,
outbuildings inc stables in 17 acres near Pwllheli, Gwynedd, north Wales - distant sea and mountain views all around. Suit extended family or business with income from letting, potential caravan pitches etc
4-bed equestrian property with character farmhouse, separate cottage, outbuildings inc stables & indoor school in 65 acres of pasture, woodland, ponds & wildflower meadows with fabulous views from Brecon Beacons to Bristol Channel - near Pontardawe, Swansea
Photo Gallery
4-5 bed equestrian property - modern detached bungalow with 2-bed annexe with letting income, stables & 2 acres near Peterston-super-Ely in the Vale of Glamorgan
Price: OIRO £595,000 Further Reduced
4-5 bed renovated & extended farmhouse with detached 3-bed cottage, outbuildings in approx 6 acres* gardens & grazing land. Nestling in the foothills of the Carneddau mountains in Snowdonia National Park
5-bedroom converted water mill in two acres - formerly a registered smallholding - plus holiday cottages with established business and further potential, Denbighshire north Wales. Can be made available quickly if required
Photo Gallery
Price: £625,000 to include all fixtures & fittings in holiday lets if required No Chain!
4-bed detached farmhouse with 6+ acres, barn with full PP, glorious views near Pontardawe, Swansea
Price: £695,000
Large 4-bed detached farmhouse with 3 holiday cottages, set in 9 acres of spectacular Carmarthenshire countryside (mature woodland + 5 acre paddock). Goodwill of holiday cottage business & website included in the sale. Excellent investment opportunity
Price: £695,000
4-bed / 3-bath equestrian property in 13 acres with 9 stables, large barn, 40 x 20 all-weather manège, heated swimming pool, gardens. South-facing with panoramic views, 9 miles from Aberystwyth in Ceredigion, west Wales
Price: £750,000
Rental: available to rent @ £2,500 per calendar month
4-bed farmhouse with 2 stone holiday cottages & 26 acres near Narberth, Pembrokeshire in rural but not isolated locationPrice: £830,000
Small country estate offered in 2 parts - part 1 comprising 8 acres parkland with specimen trees, lake, borehole with licence to extract large volumes, ruins with vaulted cellars, ancient wishing well
Price: £850,000
Photo Gallery (photos of both parts of the small country estate)
Options to purchase more land & Georgian cottage by separate negotiation
4-bed period bed & breakfast farmhouse with wonderful period features & 21.5 acres in Brecon Beacons National Park, Powys
Price: £850,000
8-bed luxury south-facing stone farmhouse, a character smallholding totally renovated & surrounded by its own land with approx 3 acres, garage, outbuildings and stables, landscaped gardens with magnificent sea views set in a quiet secluded location with no near neighbours yet only 10 minutes from M4 and Swansea
Picture Gallery Price: £875,000
Home | Smallholdings for sale | Smallholdings Wanted | Place Ad | FAQ | Testimonials | Smallholdings Sold | Links
NB: we are not an Estate Agent - each property has contact details for the vendor or agent; please do not contact us to arrange viewings.
Smallholding Wales is run by Flash Granny Web Design, Talsarn, Lampeter
email: email@example.com phone: 07799 784350


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astarlistEstablished Members
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astarlist replied to foxah's topic in Fantasy Baseball TalkAnyone know why Brandon Crawford was pulled? It was a pretty big lead at the time but just making sure
astarlist replied to The Big Bat Theory's topic in Fantasy Baseball Talk2 multi hit games in a row. could be the start of a little streak
astarlist replied to SuhrMoney's topic in Bench Coach Help Forumyea i'd do this. you have the SP depth to part with harvey
astarlist replied to astarlist's topic in Bench Coach Help Forumto clarify i would be giving berrios and getting buxton
astarlist replied to lito5's topic in Bench Coach Help Forumdozier is a stud. i think that you have to come in strong with a fair offer; hes not going to take russel as russel is performing worse atm. hendricks is an sp4, so nothing really special. you may want to open w/ segura+hendricks if he is hurting for SP depth im thinking you are SOL unless you can expand the offer to a 3for2/3for3. http://forums.rotoworld.com/index.php?showtopic=590745
astarlist replied to Gandalfthecat's topic in Bench Coach Help ForumI lean Grandal. He's been very solid and should only get increased playtime. http://forums.rotoworld.com/index.php?showtopic=590745
astarlist replied to Baur10's topic in Bench Coach Help Forumyea i would take that w/ your OF glut. VV should be solid all year http://forums.rotoworld.com/index.php?showtopic=590745
astarlist posted a topic in Bench Coach Help Forum6x6 3 keeper 20 team league my pitchers - arrieta, salazar, corbin, joe ross my OF - betts, souza, peterson, saunders 3OF w/ 1 util spot. would probably try to move an OF later on. could also get ozuna instead for berrios. WHIR
This is a 12 team weekly H2H dynasty points league, with QS instead of wins. Batters Stat Category Value Runs ® 1 Singles (1B) 1 Doubles (2B) 2 Triples (3B) 3 Home Runs (HR) 4 Runs Batted In (RBI) 1 Stolen Bases (SB) 2 Walks (BB) 1 Strikeouts (K) -1 Pitchers Stat Category Value Innings Pitched (IP) 1 Losses (L) -5 Complete Games (CG) 5Saves (SV) 7 Earned Runs (ER) -1 Strikeouts (K) 1 Holds (HLD) 7 Quality Starts (QS) 7 Here are the roster positions: Roster Positions: C, 1B, 2B, 3B, SS, CI, MI, OF, OF, OF, OF, Util, Util, SP, SP, SP, RP, RP, P, P, P, P, BN, BN, BN, BN, BN, DL, DL, DL, NA, NA Last year, the available teams placed 7th and 11th overall. The 11th team will get the second pick in the upcoming prospect draft. The teams need a little work but it doesnt' take long to be competitive! Let me know if you have any more questions/need some more info. Thanks!
astarlist replied to astarlist's topic in League Finder Servicebump
astarlist replied to astarlist's topic in League Finder Servicebump
12 team yahoo dynasty, we keep 23 players with 2 NA spots. Message me for more details.
astarlist posted a topic in Bench Coach Help ForumThis is a 3 keeper, 20 team league. I have Betts and Arrieta as my other 2 keepers; who is best? I think Rendon is a nice bounceback but Fielder did well in this league last year (6x6, OBP league). Thanks WHIR
Hey do you still need owners for your league? I'm looking for one. Email is email@example.com
astarlist replied to footballpimp's topic in MILB ForumSee ya in 2014 Mr. Bundy.


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I swear, I think conservatives get a daily email with talking points for social media. The current favorite meme is the question" "why do liberals support terrorists?" The simple answer is, we don't. We stand up for muslims while conservatives paint them as extremists but we certainly don't stand up to radical Islam. The conservative…
Tag Archive for Dana Rohrabacher
Democrat Louise Stewardson Launches Write In Bid for SD-37
by Dan Chmielewski •
Louise Stewardson, a Democrat from Huntington Beach, has decided to jump into the State Senate race for SD-37 as a write-in candidate. With State Rep. Don Wagner amassing a huge war chest and former County Supervisor John Moorlach snatching most of the endorsements, Stewardson's entry into the race removes the need for Democrats to cast…
Full Context: What Moxley Left Out of His Beth Krom Hit Piece
by Dan Chmielewski •
OC Weekly's R. Scott Moxley has a hit piece on Irvine council member Beth Krom in this week's edition. With the exception of regular attacks on do-nothing Congressman Dana Rohrabacher, one would almost think Moxley is writing for The Flash Report these days as his work does nothing but help OC's Republicans with headlines used in…
Three Cheers for the Underdog
by TheLiberalOC •
The Orange County Register ran a great story about political underdogs over the weekend that brought to light the motivation of candidates who run for elective office, in spite of all the odds against them in unseating an incumbent official. The story featured Suzanne Savary who is challenging Congressman Dana Rohrabacher and Peter Anderson, who is challenging Congressman Ed Royce.
Hypocrite Ed Royce Tips Hat to 9/11 First Responders; Forgot He Voted Against 9/11 First Responders Bill
by Dan Chmielewski •
Facebook is the gift that keeps giving. Congressman Ed Royce (R-Fullerton) shared a graphic with a quote from former President George W. Bush on this 13th anniversary of the worst attack on American soil while Republicans held power in the White House and both Houses of Congress "honoring" first responders; it's the image that leads…
Happy New Year
by Dan Chmielewski •
So who said non-election years aren't exciting. We're not looking back at 2013 but looking ahead to so much more. The mid-term elections that will bring about one new Congressional rep from OC and hopefully a new Democratic majority in the House. John Campbell steps down and maybe someone can finally beat Dana Rohrabacher who…
The OC GOP Congressional Delegation Hall of Shame
by Dan Chmielewski •
The federal government as been re-opened and the President signed a measure passed by both Houses of Congress to increase the debt ceiling to keep America's unblemished record of never defaulting on our debts intact.


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If you do not have a few different ideas for where to buy a affordable camera to be of great necessity for you to take photos, maybe you can get one here. These models are very popular on Amazon, and the reviewers have enjoyed owning them and would recommend them, so they are well worth considering.
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Heterodox Academy, a new organization aimed at promoting viewpoint diversity in the social sciences, has produced a striking chart illustrating the leftward shift of American academics over the last generation:
This is a dramatic graph. The political leanings of US academics, over time. https://t.co/5g8AO48WOz pic.twitter.com/atBVLmsxUw— Paul Kirby (@paul1kirby) January 3, 2016


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Check in from 14h / Check out prior to 11h
Agbing Beach Resort Puerto Galera: Find photos, reviews, information, amenities and compare prices for 1 stars hotels in Puerto Galera, Philippines.
Agbing Beach Resort Puerto Galera provides a comfortable setting while in Puerto Galera. It also offers a ticket service and an airport shuttle.
Hotel description
Guests of Agbing Beach Resort have access to its wide range of outdoor activities, including scuba diving and snorkeling. Fun waterside activities are exclusively available at the property.
All the rooms at Resort Agbing Beach include a private bathroom, plus all the necessities for a comfortable stay. A shower and cable/satellite channels are also provided.
Those staying at the resort can enjoy the in-house bar, conveniently located for socialising in the evening. Guests are also able to try one of the many bars and cafés in the vicinity.
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text:
NORTH PLAINFIELD — Did a North Plainfield dry cleaning business leave customers hanging out to dry?
A popular cleaners on Route 22 has been closed for several days and a bankruptcy notice is now posted on the door, 1010 WINS' Al Jones reported.
Customers are asked to come back later in the week to pick up their clothes, which are still locked inside. But the shop takes payment in advance, leaving clients to wonder why the "$1.99 Cleaners" was still accepting clothes as it was going out of business.
Customers Frustrated After N.J. Dry Cleaner Goes Out Of Business Before Returning Pre-Paid Clothes
"They should have told us something, because if they knew they were going to close, they should've stopped taking clothes at a certain point," said one client.
"It's no big deal, I've got other clothes at home," said another.
Judging by some notes left on the door, not all customers are so understanding.
"As long as I get the stuff back," said one woman. "They don't want it."
You May Also Be Interested In These Stories:


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Norman Liu is the chairman of GE Capital Aviation Services (GECAS), the commercial aviation leasing and financing unit of GE.
Before being named to his current role in January 2016, Norm was the President and CEO of GECAS for 7 years.
Norm first joined GE Capital in 1988 in the Transportation & Industrial Funding business where he managed the leasing, capital markets, and business development groups. He later worked at GE Capital's headquarters as vice president of business development.
In 1994 he was appointed managing director – business development at Kidder Peabody, an investment banking firm and unit of GE Capital, where he was a member of the Management Committee.
Norm joined GECAS in 1995 and served as executive vice president of commercial operations from 1996 to 2009. He was named a corporate vice president of GE Capital in 1992 and was appointed a corporate vice president of GE in 2002.
Before joining GE, he held investment banking positions at Dean Witter Reynolds (now Morgan Stanley) and Samuel Montagu (now part of HSBC plc).
Norm graduated from Yale University with a degree in economics, and received his MBA from Harvard Business School.
He has served as Corporate Champion of the GE Asian Pacific American Forum, was a Director of Global Infrastructure Partners, and is a member of the Committee of 100, a leading Chinese-American organization.


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Big Tupper will reopen this winter
TUPPER LAKE – As long as there's snow in the forecast, people will be able to ski Big Tupper this winter.
Jim LaValley, chairman of ARISE (Adirondack Residents Intent on Saving their Economy), announced Monday that Big Tupper Ski Area, which was closed last winter, will be open for the 2013-14 season.
"One of the challenges we looked at last year that made us decide not to go forward with operating after three seasons was, what if we sold preseason tickets and we didn't get the snow?" LaValley said. "It's really hard to explain to people that we wouldn't have the capability of paying them back. We have enough money in the bank now to mow the trails and wait for the snow."
Last year, ARISE sold one of the the ski center's groomers, which gave the group a little extra cash. Now, LaValley said, with a little luck and a lot of snow, Big Tupper could turn a corner financially.
To help maximize revenue, the ski center will be completely volunteer-run this winter. Day passes will cost $25. In the past, there have been up to four paid employees manning the center's 25-plus trails.
Although he wouldn't get into specifics, LaValley said this is just the beginning of Big Tupper's role in Tupper Lake.
"You're going to see some strong relationships being built with some groups," LaValley said. "Our mission is focused entirely on helping the economy of Tupper Lake, but I think the relationships that we're building and some of the endeavors we're about to launch will be very exciting for the Tri-Lakes region as a whole."
LaValley said he's confident the Adirondack Club and Resort, which has been tied up in a legal battle, will happen soon. That, he said, will be the beginning of good things for Tupper Lake.
"I'm anticipating in February or March the appellate courts will rule, and at that point I hope the plaintiffs will say they've done what they've needed to do and leave Tupper Lake alone, and allow the Adirondack Club to happen," LaValley said. "With that, I've always said the Adirondack Club is not the be-all and end-all, but it's an incredible quarterback to build a team around."
In the meantime, ARISE will focus on Big Tupper. Some of the proceeds from the upcoming OkTupperfest will go toward the operation of the ski center. LaValley also said a Snow Ball is in the works for December, and the downstate-based Rick Short Band has also shown interest in playing at a fundraiser.
"We want everybody to think snow," LaValley said. "Think hard, and think snow."


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text:
Five Children Episode 18
Sang-Tae (Ahn Jae-Wook) is left with his two children after his wife passes away. Since that time, he lives with his two kids and parents-in-law. He works as a marketing team leader for a fashion brand. Mi-Jung (So Yu-Jin) works as an assistant manager at the same fashion company. 3 years ago, her husband had an affair with her friend and left her. She couldn't tell her kids the truth about their father and lied that their father went to work in America. To this day, the children still believe that their father is in America. Sang-Tae and Mi-Jung never thought about falling in love again, but they fall in love with each other.
Title: 아이가 다섯 / Five Children
Also known as: Five Enough
Chinese Title: 五個孩子
Genre: Family, Comedy
Episodes: 50 (To Be Confirmed)
Broadcast network: KBS2
Broadcast period: 2016-Feb-20 to 2016-Aug-07
Air time: Saturday & Sunday 19:55
This drama is about a single father, Lee Sang Tae (Ahn Jae Wook) and a single mother, Ahn Mi Jung (So Yoo Jin) that meet each other and fall in love.
Main Cast
Ahn Jae Wook as Lee Sang Tae
So Yoo Jin as Ahn Mi Jung
Im Soo Hyang as Jang Jin Joo
Shim Yi Young as Mo Soon Young
Shim Hyung Tak as Lee Ho Tae
Shin Hye Sun as Lee Yun Tae
Lee Sibling's Family
Jang Yong as Lee Shin Wook
Kim Hyun Soo as Lee Soo
Mi Jung's Family
Sung Byung Sook as Jang Soon Ae
Jin Joo's Family
Choi Jung Woo as Jang Min Ho
Song Ok Sook as Park Ok Soon
Wang Bit Na as Kang Yoo Jin
Kwon Oh Joong as Yoon In Chul
Ahn Woo Yeon as KIm Tae Min
Sung Hoon as Kim Sang Min
Kim Chung as Lee Jum Sook
Jung Yoon Suk as Yoon Woo Young
Jo Hyun Do as Lee Soo
Kwon Soo Jung (권수정) as Lee Bin
Kwak Ji Hye as Yoon Woo Ri
Choi Yoo Ri as Yoon Woo Joo
Jun Se Hyun as Chun Sung Hee
Park Hye Sook as Oh Mi Sook
Kim Ik Tae
Production Credits
Director: Kim Jung Gyu
Screenwriter: Jung Hyun Jung


text:
So is Plugra really better than 365 butter, and if so how? I'm assuming unsalted in both cases, despite the photo of salted.
Lisa HirschShared publicly -
3 comments
Plugra has a higher butterfat content. The name is a play on the French for "more fat." 365 is organic, but as far as I know the butterfat is American standard 80 percent. Plugra is 82 percent. Two percent doesn't seem like a lot, but it's mostly replacing water, so it had a lot less water. I love trying different butters. My current favorite is Chimay butter from Belgium.
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I listen to a lot of conference calls for oil and gas producers and there is one thing that never ceases to amaze me. The situation I'm talking about arises when I listen to conference calls of energy producers that have a share price that is heavily discounted because of an overleveraged balance sheet.
In these instances, it is usually quite clear that the share price does not reflect the true value of the assets that the company in question owns. The reason for the discount is the company having more debt than the market likes.
On those calls, it seems that almost without fail there will be a retail shareholder that calls in and urges the company to take advantage of the bargain share price by repurchasing shares.
On paper that certainly looks like a good idea as it will appear on a per share basis that repurchasing shares would be very accretive on a per share basis.
In reality, of course, an overleveraged company that starts repurchasing its shares is like a person being stuck in a deep hole and continuing to dig because he wants to find more gold. If he never gets out of the hole, that gold isn't going to be of any use.
In most cases on these calls, management is polite and agrees that their shares are unfairly valued, but they never actually follow through and repurchase any. These guys know their main priority is trying to fix their balance sheet first and foremost.
That is why I was surprised to read that SandRidge Energy (NYSE:SD) is planning to repurchase $200 million worth of stock:
OKLAHOMA CITY, Sept. 4, 2014 /PRNewswire/ -SandRidge Energy, Inc. (SD) today announced that its board of directors approved a program to repurchase up to $200 million of the company's common stock. Under the program's terms, shares may be repurchased on the open market, through privately negotiated transactions such as block trades, or by other means as determined by SandRidge 's management and in accordance with the requirements of the Securities and Exchange Commission. The timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, and other conditions. There is no fixed termination date for this repurchase program, and the repurchase program may be suspended or discontinued at any time. Payment for shares repurchased under the program will be funded using the company's working capital.
SandRidge shares collapsed during the financial crisis of 2008 and have never really recovered.
This share repurchase announcement might actually be a case of SandRidge listening to a shareholder who suggested it during the last conference call.
But this time it isn't a retail investor who doesn't fully understand the situation; it is hedge fund legend Lee Cooperman of Omega Advisors.
On the last SandRidge conference call Cooperman had the following to say:
"At the Analyst Day if I recall correctly, you expressed your view that you thought the NAV (net asset value) of the Company was something between 9 and 15 and The stock price is currently trending I guess a little bit over 5.
I'm just curious with the stock selling at less than half of what you think the NAV, how do you and the Board think about stock repurchase as an alternative to drilling lots of wells? Or maybe having a mixture of a program of creating value for the shareholders assuming you're right on NAV, buy buying stock back at half of NAV, as opposed to just drilling up all the money?"
On the call SandRidge management confirmed that they were interested in deploying its capital into the best risk adjusted return opportunities, but didn't really indicate much of an interest in repurchasing stock.
I don't know what happened behind the scenes, but Cooperman whose fund owns almost 10% of SandRidge may be the reason that the repurchase was announced.
But Is This Really A Prudent Move?
I don't own shares of SandRidge. I'm not really comfortable with the assets that the company owns because of negative surprises that they have had with production in the past. However, I don't doubt that those assets could be worth a lot more than what the current share price suggests.
What I do wonder about is whether a share buyback, especially $200 million worth, is a smart move given the balance sheet that SandRidge sports and the spending it needs to do.
As at June 30, 2014 the net debt on SandRidge's balance sheet looked like this:
- Cash - $918 million
- Receivables - $333 million
- Payables - ($631 million)
- Long Term Debt - ($3,195) million
That results in net debt of $2.58 billion.
Additionally, SandRidge has $765 million of preferred stock that carries a blended dividend rate of 7.2% which requires $55 million of cash payments every year.
To support those obligations, SandRidge's EBITDA for the first half of 2014 looks like this:
Net Loss From Operations
Add backs
Depreciation and Depletion
Depreciation and Amortization
Accretion of asset retirement obligations
Loss on Derivatives
Interest expense on debt
Preferred share dividends
After Interest Expense
After paying its required interest and dividends, SandRidge is generating about $740 million annually based on the first half of this year. That is the cash that SandRidge has available to spend on drilling, infrastructure, dividends, share buybacks or whatever.
Up in Canada we call that funds flow from operations, and companies with a ratio of debt to funds flow of more than 2 times are considered heavily leveraged.
With $2.58 billion in net debt and $740 million of funds flow from operations, SandRidge has a ratio of 3.48 times (and that excludes the preferred shares). At that level (in Canada at least) most investors wouldn't touch the company with a 10 foot pole.
I think the Canadian market is far too averse to leverage, because used intelligently, with a lot liquidity, leverage can be very rewarding. My point though is that SandRidge has a pretty aggressive balance sheet.
A balance sheet that is only going to deteriorate in the near term.
The 2014 capital spending plan for SandRidge is a whopping $1.475 billion or twice the cash the company generates.
Source of image: SandRidge August Corporate Presentation
Outspending funds flow from operations by $700 million is not going to help the balance sheet.
Again, I'm not opposed to debt, but it is hard to figure how this company has $200 million that it can spare for share repurchases.
Perhaps this buyback announcement is just a message that it thinks shares are cheap and the company won't actually execute on it. I feel pretty strongly that SandRidge repurchasing shares is a good idea on paper only.
Note: Images and data are sourced from either SandRidge's most recent corporate presentation or its June 2014 10Q
Disclosure: The author has no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
The author wrote this article themselves, and it expresses their own opinions. The author is not receiving compensation for it (other than from Seeking Alpha). The author has no business relationship with any company whose stock is mentioned in this article.


text:
Atlantic Tan Distributors
Today:9:00 am - 5:00 pm
(704) 455-7840
Business Details
in Business
- BBB Rating:
- Hours:
Regular Hours
- General Info:
- Atlantic Tan Distributors is a company ( est. 1990 ) with years of experience. For me it has been a dream come true. My son, Buddy, father, Ron Boss Sr, and my wife Angela work for the company and I must say our FAMILY BUSINESS has proven to be a success.I started in the tanning industry in 1990 with a 3 bed salon called Atlantic Tan. Then in 1994, we opened the second location for Atlantic Tan, with the third and fourth location opening in 1997 and the last in 2003. In 2007, after successfully operating 4 tanning salons over 17 years, the salons were sold. This choice was made in order to devote more time to our distributorship and still have time for family.Atlantic Tan was founded on a few very basic principles, the customer is king and the customer signs our paychecks. We are here to serve our customers and bring back the "easy to do business with spirit" that seems to be lost in today's larger venture capital owned competitors. Atlantic Tan is unique in that we have no outside salesmen and only sell through distribution. Our overhead is low and products are competitive. Atlantic Tan is located in Harrisburg, NC ( 6 miles north of Charlotte, NC off Hwy 49. ) Atlantic Tan has grown substantially to a level we are all proud of since the eary days. This could not have happened without our loyal customers and suppliers, all of which enjoy working with a "FAMILY BUSINESS". We strive to be a company that treats its customers with great respect. We realize true value is not always about price, but about relationship. Our family builds relationships.
- Services/Products:
- Sunless Tanning Lotion
- Payment method:
- paypal, check, visa, mastercard, discover, amex
- Other Links:
- Other Email:
- Categories:
- Tanning Salons-Equipment & Supplies, Beauty Supplies & Equipment, Tanning Equipment & Supplies, Beauty Salon Equipment & Supplies


text:
Age: 29
Hometown: Starkville
Education: B.A. (Mississippi State University); M.P.A. (University of North Carolina at Chapel Hill; J.D. (University of Mississippi)
Current Position: Mayor of Starkville
Parker Wiseman said that it was a seemingly insignificant conversation with a close friend that led him to his current job as mayor of Starkville, Miss. "I was back at home visiting my family during the summer after my first year in law school," Wiseman says. "I thought I knew where my life was headed."
Over the next several months, Wiseman says that he "couldn't shake the notion" that being mayor of a city where he was born, raised and attended college would be a great job.
"I picked up a passion for local government from my dad," Wiseman says. "My wife and I were still dating at the time but I knew I wanted to ask her to marry me. I told her I wanted to run… and she said, 'I think you should do it.' My mind was made up." Wiseman says that he now has a job that is more passion than work and that each day, while challenging, is also exciting and incredibly fulfilling.
While an undergraduate at MSU, Wiseman earned numerous honors and awards including "Mr. MSU" and "Greek Man of the Year" and served as vice-president and president of the MSU student body. Wiseman also founded a voter registration council that resulted in the election of the first full-time student to the Starkville Board of Aldermen.
As a graduate student, Wiseman served as vice-president of the UNC graduate and professional student body and was co-founder of the Carolina Society of Future Leaders. While studying law at Ole Miss, he was a summer associate at Wise Carter Child and Caraway and prior to his 2009 election he was an associate with Knight Mozingo and Quarles, PLLC.
Mississippi's best kept secret: The Cotton District
Must-have Mississippi food: Fried Cheese from the Grill
Favorite Hangout: Mississippi State University
Favorite Television Show: House
Favorite Movie: Coming to America
Favorite Band: Sir Mix-A-Lot
Last Book Read: "The Screwtape Letters" by C.S. Lewis
Best Role Model: My Dad


text:
Apartment in Candolim, Goa, India - Quiet Location, 8 Min Walk to Candolim Beach, Close Proximity to Shops, Restaurants and Bars
Brand new ground floor apartment, overlooking the pool and beautiful well maintained gardens. 2 ample balconies at front and rear. Furnished to high standard with air conditioning, Excelent deep sprung mattress on all beds to aid a good nights sleep. Water filter. polished tiled floors, mosquito nets on all doors and windows. We also have an inverter so you alwasy have lights and fans. a hairdrier is also supplied. 24 hour gated security. All contractors and visitors must log in and out.
About the Owner
Guestbook comments from the owner
Comments from our Visitors Book:
Leisa,Kathleen & children (Northants) great holiday, lovely apartment,close to shops, beach,thanks for making us so welcome.
Damien & Dawn (Guernsey) Exelent hosts, appartment positioned close to everything. Back soon.
David and family ( Sussex ) Lovely apartment a very good position close to beach and shops. Thanks, Will be back soon.
Guestbook comments from the owner
Comments from our Visitors Book:
Leisa,Kathleen & children (Northants) great holiday, lovely apartment,close to shops, beach,thanks for making us so welcome.
Damien & Dawn (Guernsey) Exelent hosts, appartment positioned close to everything. Back soon.
David and family ( Sussex ) Lovely apartment a very good position close to beach and shops. Thanks, Will be back soon.
0 Reviews
Activity and Interests
8 mins walk to quiet and relaxing, sandy Candolim beach allowing you to reach Calangut and Baga, observing dolphins and stopping at beach shacks for a snack on your way. Water sports facilities, fishing and boat trips are available. You can enjoy a swim in the warm and welcoming waters of the Arabian Sea. If you visit over Christmas and New Year, you can participate in lively beach parties and watch the firework displays. Or you watch the sunset any day.
Approx 40km from Dabolim airport. Taxis are plentiful and cheap to hire but transport from the airport is supplied by ourselves or driver Ankush will collect you and take you to the apartment he can also arrange any trips you require
Goa capital Panjim is approx 15km away, reachable by taxi or local bus and free ferry. Boat trips on the Mandovi River are available where there is also a floating Casino where you can eat, drink and gamble.
Half an hour by taxi is Arpora's famous Saturday night market or you can shop in the open air market of Mapusa, which is 16 km away, also reachable by local bus.
Further Details:
The closest new Newtons supermarket is just 5 min walk away with many european foods and toiletries, but there are also small local shops just outside the complex. Numerous bars, restaurants, stalls and banks line the main road where Newtons is situated. You can sample international food including Goan specialities or enjoy yoga classes and ayurvedic massages.
Prices and Availability
Rental rates
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
My Standard Rate
7 night minimum stay
for 7 nights
Additional pricing information
|No additional mandatory fees
|Refundable Damage Deposit
Booking Notes:
25% non refundable deposit is required on booking. Balance is payable 6 weeks prior to departure. A £50 returnable deposit for keys and breakage is payable on arrival. Bookings are only accepted for a minimum of one week except for Christmas and New Year when a 14 day booking is the minimum.
Changeover Day:
Vacate the apartment by 12 noon but we can also be flexible.
Notes on prices:
Prices are for the property per week in UK Pounds. Bookings are for 1 week except for Christmas and New Year when a minimum is a 2 week booking.
- 12
- Available arrival
- 12
- Available
- 12
- Unavailable
Property Type
- apartment
- Air Conditioning
- Ceiling Fans
- Iron & Board
- Living Room ...
- Washing Machine
- Freezer
- Kitchen ...
- Oven
- Refrigerator
- Hob
- Satellite / Cable
Pool / Spa
- Private Pool
- Shower room 1 - Shower Enclosure
- Bathroom, fully tiled with wc and wash basin, large walk in shower, patterned frosted shower screen, water heater, shaver socket, frosted glass window, non slip mats in shower and soap dispenser.
- 2 Bedrooms, Sleeps 4
- Bedroom 1
- Bedroom 2
- Description of sleeping capacity: Sleeps 4 (2 Bedrooms) Notes on bedrooms: Bedroom1 double bed large fitted wardrobe with lockable drawers bedside cabinets, ceiling fan, AC, direct access to front balcony. Bedroon 2 has twin beds large wardrobes AC direct access to balcony at the back. All furniture is hand crafted in solid wood
- Notes on accommodation: No pets and no smoking please. Children welcome but no cots available. Satellite TV if required, is payable on arrival with a top up card for a few rupees. Complementary welcome pack supplied to revive you after your long journey. We also have an inverter for the apartment so you will never be in the dark when there is a power cut. Outside: This prestegis complex is situated within a walled garden and is a haven a way from the hustle and bustle of Candolim but still near enough to many shops bars and resturants. The grounds of this gated private complex has 24 hour security with contractors and visitors required to sign in. The mature gardens are maintaind daily and suround the 3 pools. There are hand railes on the walk-in steps into pools, pool side showers, sun loungers, umbrellas and tables. The pools are cleaned every morning and the pool furniture is also washed. Cleaning / Towels / Linen / Maid service: Linen and towels supplied except beach towels, (These can be purchased localy and are very cheap). Maid and cleaning service is weekly with extra service available on request payable to the person.


text:
Goodwin Procter is continuing its expansion of the firm's Technology Companies practice with the addition of Caine Moss as a partner in its Silicon Valley office. Mr. Moss represents software, telecommunications, life sciences and Internet companies at all stages of growth. He joins the firm from Wilson Sonsini Goodrich & Rosati.
Mr. Moss specializes in a wide range of corporate finance, securities and governance law.He counsels venture capital firms and technology companies in a broad scope of transactions, including public and private mergers and acquisitions, venture financings and joint ventures. In addition, his practice focuses on the representation of issuers and investment banks in public equity offerings.
Goodwin Procter was ranked thefifth most active law firm in the U.S. for private equity and venture capital transactions by Dow Jones Private Equity Analyst, based on volume of deals closed in 2009. With over 160 attorneys within its technology companies group, Goodwin Procter has one of the largest tech and life sciences practices in the country, which is supported by significant IP, tax and private investment funds groups, as well as its nationally-recognized growth equity and capital markets teams.
The firm has grown significantly in these key practices recently, including the addition of venture capital and technology partners Anthony J. McCusker, Craig M. Schmitz and James D. Riley, Jr. in Silicon Valley, partner Christopher J. Austin to its technology companies practice in Boston and corporate partner Loretta Lau in Hong Kong.
Goodwin Procter, with more than 100 attorneys in California, first established its West Coast presence in 2006, opening offices in Los Angeles and San Francisco. It expanded in 2007 with offices in San Diego and Silicon Valley.


text:
TOKYO — TDK Corp. of Japan has reached an agreement with famed Italian opera house La Scala to make digital archives of about 5,000 hours of analog tape.The project is expected to take about three years to complete. In the venture, TDK will work with analog tape recordings dating back to 1951 that have been held by La Scala's library. The company will use its expertise in digital recording and CD-Recordable technology and make digital copies that will be archived. Recordings of operas from masters such as Verdi and Puccini are among the 5,000 hours of tape, as well as performances by singer Maria Callas. The digital recordings will be stored on CDs. TDK did not put a price on the agreement, but the company said it will be working with a La Scala foundation and Milan U on the digital archive project. TDK will make two digital copies of the tapes: one that will go into permanent storage, and another for an accessible archive.
TDK to make library for La Scala
2016-2017 Oscar Predictions
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text:
Don't We All? A Gallery Of Celebrities Who Admitted To Watching Freaky Flicks
Celebrities Who Watch Adult Films
We all enjoy watching adult flicks on the Internet, right? It's what the Internet was invented for. Oh, you don't? Well we have a name for you: a liar. Don't be ashamed. We know you're into the freaky stuff. These celebrities are, too. They've admitted to their love of freaky flicks and are damn proud of it.
Take a look at some celebrities who have an extra tub of lotion on deck just in case.
Aubrey O'Day – She's said she loves freaky flicks so much she makes them with her boo but deletes them.
Continue Slideshow
Nick and Mariah – They watch the hardcore stuff in the bedroom. The less we think about it the better.
Justin Timberlake – He said he thinks it's better to watch the flicks than portray them in movies. We agree.
Kirk Franklin – He had an addiction to it. We guess the movies made him clap his hands and made him wanna dance. STROP!


text:
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Spencer Graf - Darker Days
Shreddin bikes in the cold!
I love the music choice, it gave it a fresh feel and it fit great with the video. Rock music and DH mtb always work great together, unfortunately we haven't been able to see too much of it in the last number of years, but I think it will come back.[Reply]
you should do more videos with those types of songs....[Reply]
Hardcore style[Reply]
Awesome riding and filming, but i must ask isn't it cold with only that type of clothing? I like that the song says thinking about tomorrow, but u didnt think about catching pneumonia! For your health my friend[Reply]
Love the riding anyway!
Love the riding anyway!
we're canadian. its what we do, haha[Reply]
You warm up pretty fast while riding![Reply]
(7000 views + 70 favs, but only 1 comment!?[Reply]
it only makes sense to me if theres robots working.
i dont care about the neg props, robots do it too guys..)
nice edit.
it only makes sense to me if theres robots working.
i dont care about the neg props, robots do it too guys..)
nice edit.
Love the song. Brings back old memories. Need to get some good winter ride videos out here in Fernie. Great sunset shots with the jumps as well, nice job man.[Reply]
what song is that?[Reply]
Stone temple pilots - dead and bloated[Reply]
thanks... added to grooveshark favorites now[Reply]
my mate cappuccino tam just got himself a commencal bike now i see them everywhere he will love this when he watches this great video .[Reply]
Stop at 0:40 - full essence of biking ;D[Reply]
mmm, bike, snow and beer = perfect[Reply]
first time as i saw this i think its a lone wolf but the dorado was not there[Reply]
always loved that song. I also wish I could corner like that... "now I wanna go THAT way..."[Reply]
Yeah! STP sold this VOD for me![Reply]
Best song I've heard on PB yet.[Reply]
The bike in this VOD is for sale www.pinkbike.com/buysell/1196823[Reply]
great choice of music. rock always goes good with mountain biking[Reply]
dead n bloated, yes. Perfect song choice.[Reply]
I believe it is, Stone Temple Pilots, I cannot remember the song title.[Reply]
New inspiration to ride! I wish I had my bike back[Reply]
Commencal bike!!! Video of the day!!! Awesome!!![Reply]
1:38 wall paper
1:38 wall paper
The sound from tyres is awesome! Music too! VOD![Reply]
DESTROYED THE BERM!!!![Reply]
Dolly is faster.[Reply]


text:
64859, MO Rent to Own Homes
|87 Listings Found
with a dedicated dining area room nearby, and step down living room. We are not looking to rent, but may be able
417=793=5328 10299 Oak Road Carthag, Carthage, MO, 64836Details »
This is our house and we possess it free of cost and clear, yet we have in the past leased
10299 Oak Rd Carthage, Carthage, MO, 64836Details »
We are marketing our 11/2 tale Country Farm Home, that rests on 1.25 acres. It is a 3 beds house with a basement (could utilize for...
10299 Oak Road, Carthage, MO, 64836Details »
be considered) and are not attracted to renting nor owner finance.
10299 Oak Road, Carthage, MO, 64836Details »
tank lease from Ferrell gas.
1840 E Fairview Ave, Carthage, MO, 64836Details »
Due to an upcoming move we will be selling our home located 2 mis East of Kellogg Lake in Carthage. The home was recently renovated in...
Carthage, MODetails »
Cute 2 Beds Home Located on a Corner Lot. Large Kitchen with eating area. Currently Rented for $450
1419 Forest, Carthage, MO, 64836Details »
Pierce City MO 3 Beds one Bathrooms Home Available For Lease To Own Program. Vinyl siding, Carpet
Pierce City, MO, 65723Details »
Highway 60 East Monett. Corner of Dairy and Hickory currently leased with tenant rights. Let's Look
301 South Hickory St, Monett, MO, 65708Details »
to residence about 5yrs ago. It rents for $525 monthly. It is 2 Bedrooms/one Bathrooms .The main home has been
614 S Oakland, Webb City, MO, 64870Details »
.21. Deposit: $499.00. Purchase Cost: 23,199.00. Proprietor Financed. Lease - with - Option. Fixer Upper. Sold
303 E 17th St, Lockwood, MO, 65682Details »
of MacArthur and Hall Street! --->> $395 monthly rent / $200 deposit *Water included in monthly rent
Joplin, MODetails »
Just lost a dear friend from renting from us and seeking another younger male to rent sofa
Joplin, MODetails »
and there is option for ramp on outside if there are steps. Family has service animals akc golden retriever
Joplin, MODetails »
Want to rent to bedroom for to months to stage furniture for sale. Pictures and contact information
Joplin, MODetails »
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text:
The Sail in Asia Outdoor Education Program is professionally designed to provide comprehensive experiential-learning for student groups. Our programs integrate learning to sail with a choice of subject-specific learning activities.
Our outdoor education program is a great opportunity for students to learn teamwork and communication skills, develop confidence, and challenge themselves. Students also get leadership experience as they take turns helming the yachts and directing other students in their team. Students apply these new skills to go on sailing expeditions and complete in a race around the local islands.
Interspersed between learning to sail and other outdoor sports, such as dragon boating, students engage in Learning Connect activities. Students may do marine surveys while going scuba diving or snorkelling, or learn about the interconnectedness of species in a habitat while trekking through island forests.
Our Learning Connect activities integrate subject specific content into real-life practice. Students' learning goals can be focused around physics, ecology or physical education. The most up-to-date pedagogical theories and approaches are applied to ensure that the program is differentiated for students with all learning styles and abilities. During these activities, students are tasked with doing fieldwork, engineering projects, or team and leadership building exercises. At Sail in Asia, we believe in a student-centred approach. Our staff and programs provide a structure within which students can be safe, discover, get inspired and succeed.
At Sail in Asia, we believe that we have created a truly learner-centred, holistic approach that will be an exciting outdoor education experience. To learn more, please click the links below to visit the junior or senior programs pages and see what program is right for your school and students.


text:
Extended Stay America - Kansas City - Lenexa - 87th St.
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
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Travel Blogs from Lenexa
Day 2: Grabbin' BBQ in KC
We figured being in Missouri we needed to stop by Kansas City for some amazing BBQ since the city is known for it!! We stopped at.... We ordered 4 huge meals and shared between the four of us!! We don't think we could eat at another BBQ place again that is how good it was!! After this we drove to a town in the middle of no where (3 hours east of Denver) on I-70 West in Kansas State next to a town called Kanarado (we loved this name) and got a hotel to get some shut ...
Plaza Centre, Kansas City
... the hotel, we checked-in to the next and found an amazing noodle bar, a chain restaurant that sold every type of noodle from mac and cheese, pasta to Thai dishes. I had quite the lunch. We were planning on going to the museum again, but Jonathan watched the football and I went to the hotel gym. After making a plan for the next leg of the journey, Jonathan took me to the Cheesecake Factory- a restaurant that sells nice food and incredible cheese cake. I ate ...
Kansas City, Missouri
... must have been 5 weddings in the grounds outside and lots of people playing frisbee. We both really like the city - trees everywhere and lovely houses and building. The city centre looks like a Mediterranean town and has lots of mosaics and tiles around the place. Neither of us expected to like it here so much, so decided to spend another day here to explore. We had a drive around and were surprised how there didn't ...
Triathlon Special: Hayley's Account
... on-one coaching to a small technique-based squad to a regular swim squad and so forth. My distance per session gradually increased from 500m to 1km to 1.5km to 3-4km. Simultaneously, I maintained my cycling, running and strength programs. Generally speaking, I had three swims a week, two runs, three cycles, one brick (cycle followed by run) and two strength sessions. Stubbornness isn't always a terrible trait, right?! The best part: I was eating A LOT ...
... things, some more appropriate than others. I'm sure this will probably become a community journal at some point. At least that's my hope.
I am exhausted. I couldn't sleep for all the excitement last night. I also spent most of yesterday doing what I would typify as "type A" packing. I made lists and spent copious amounts of time squeezing the air out of the ...