Thursday, May 12, 2011

PGA West Addresses Bankruptcy




The following message is the fifteenth in an on-going series of e-mails about the February 2011 bankruptcy of PGA West ownership. These messages are being sent to all PGA West Members by Dave Balducci, President of the PGA West Members Association, on behalf of the PGAWMA Board.

***

PGAWMA Addresses Questions About
Negotiated Settlement with Club Owners

Dear Fellow PGA West Member,

In the week since we announced the details of our settlement with the Club's new owners, many of you have asked questions about the agreement. It's important for members to understand the agreement. It affects all of us.

To help provide as much clarity as possible about the settlement, we have put together the following list of Frequently Asked Questions. This document reflects the best thinking -- at this time -- of our Board, our Legal Committee, our ad hoc Bankruptcy Committee, our legal counsel, and the experts we've consulted with.

These questions and answers are designed to help members understand the details of the settlement -- and why it is fair, necessary and timely.

We sincerely wish we could explain this to you in a few simple paragraphs. We simply can't do that, because the settlement is extremely detailed and you deserve a full understanding of how it affects us all.


***

The Negotiations

Q1: What happened to bring about the negotiations?
A: Our ad hoc Bankruptcy Committee, through its attorneys, filed a petition with the court to establish a Members Committee or an Unsecured Creditors Committee. Immediately after our filing, Houlihan Lokey, an investment bank selected by the owners to develop the bankruptcy reorganization plan, approached us. They suggested we engage in negotiations as a way of addressing our mutual issues, thus avoiding the need for a Members Committee or an Unsecured Creditors Committee.

Q2: Why did you decide to participate in the negotiations?
A: Our objective throughout the Club's bankruptcy was to be proactive in representing members' interests. Engaging in the negotiations was consistent with that objective.

Q3: Who took part in the negotiations?
A: Our ad hocBankruptcy Committee, which was appointed by the PGA West Members Association Board and reports to the Board, represented members. Joining this committee in the negotiations were Club ownership, Club management, attorneys for both sides, and Houlihan Lokey.

Q4: Who is the new owner of PGA West?
A: PGA West is now owned by a group of lenders, led by Paulson & Co., one of the world's largest and most profitable hedge funds.

Q5: Who is on the ad hoc Bankruptcy Committee, and how were they qualified to participate in these negotiations?
A: The ad hoc Bankruptcy Committee is chaired by Steve Weiss. The committee includes PGAWMA Board members Dave Balducci, Gary Lesser and Russ Roehrkasse, along with fellow Club members Richard Hayes, Paul Abramson and Linn Wiley. This diverse group brought to the table extensive legal, business, banking, deal making, negotiating, and communications experience.

Q6: Who did the PGA West Members Association represent in the negotiations?
A: We represented active, dues-paying PGA West members.

Q7: What about the 610 PGA West members on the resign list?
A: During the negotiations, all members -- active and resigned -- were treated with fairness and respect. In fact, both active and resigned members had their refundable membership deposits reduced by 50 percent. But, while members on the resign list may lose some of their refundable membership deposits, active members can earn back their entire refundable deposit. The owners recognized that active members are critical to the Club for cash flow and marketing references to prospective new members. Also, the owners wanted to give active members the opportunity restore their membership deposits over time.

Q8: Why were there negotiations at all? I thought we were going to use an Unsecured Creditors Committee in the Bankruptcy Court to address our issues.
A: By mutual agreement with the Bankruptcy Trustee and the Club's owners, the formation of the Unsecured Creditors Committee is on hold, pending approval of our negotiated settlement by the Bankruptcy Court.

Our attorneys advised us that the opportunity to reach an agreement with the Club's owners early in the bankruptcy would be a better option than serving on a long-term Creditors Committee. The Creditors Committee would be required to represent all creditors, not just PGA West members.

Q9: What happens now to the Unsecured Creditors Committee?
A: Assuming the settlement is approved by all parties, our issues as PGA West members will have been addressed and the Unsecured Creditors Committee will not be needed to represent our interests. However, we reserve the right to proceed with the Unsecured Creditors Committee, if for some unforeseen reason the negotiated settlement is not approved.

Q10: Wouldn't other competitive bidders for PGA West, such as the Government of Singapore, assume our contracts?
A: At this point in the bankruptcy, other competitive bidders have no authority to do anything other than put in a bid. The owner currently holds all rights. If the owner does not come up with a successful reorganization, other bidders would have a chance to participate. They also would likely attempt to renegotiate our contracts.

Q11: What is wrong with the Club's current business model?
A: The Club's original business model relied upon continued membership sales at escalating prices that are no longer sustainable. For years, the Club's economics have been based on perpetual good times: continued increases in membership sales, and continued increases in membership deposit prices. That has not happened. In recent years, our PGA West membership has dropped from a high of 1,847 in 2002, to about 1,475 today.

Q12: What has caused the Club's business model to fail?
A: Economic times, and trends in the Club industry, are driving membership prices down. That's just the opposite of what the Club's current business model requires for its long-term survival.

Q13: Is PGA West unique in its difficulties?
A: Just look around at other clubs in the Coachella Valley. Initiation fees are dropping. Many clubs are feeling the effects of this trend, and are believed to be approaching some very difficult decisions. This is a situation we would have eventually faced, with or without the bankruptcy. In effect, the bankruptcy has allowed us both a reason and a forum to deal with it now. Without addressing these issues, the Club would have been in real financial trouble in just a few short years.

Q14: If you hadn't entered into negotiations, how long would it have been until PGA West members' issues were addressed?
A: We believe the bankruptcy reorganization could last another year or 18 months before it's complete. If we hadn't engaged in the negotiations that led to the settlement, our issues likely would not have been fully addressed until very late in the bankruptcy process.

Q15: What role did Club management play in the negotiations?
A: They advised the owners about Club operations, and about historical practices at the Club.

Details of the Settlement

Q16: What essentially does the settlement do?
A: The settlement, if approved, will be an amendment to our current Premier Membership Plan (PMP). Unless specifically negotiated in this settlement, the PMP and Club Usage Agreement remain as they are today.

Click here to see a summary of the settlement.

Q17: Could you give some examples of that?
A: Some have asked whether Premier Sport members or Social members will be treated differently from Premier Golf members under the settlement. In fact, the settlement treats every category of membership the same -- just as the current PMP does. The agreement makes no distinction among membership types.

A: Several members asked about the formula for member block play on the three resort courses (Nicklaus Tournament, Stadium, Norman). The settlement makes no mention of the formula; as a result, the formula remains the same as it is today.

A: A member asked about his ability to pass his membership along to his children. There is no reference to this in the settlement, and as a result, members still may pass their memberships along to their children, during their lifetime or at death. Again, no change from the current PMP.

There are dozens more examples of how the PMP remains the same. That's because the PMP remains intact and unchanged -- except for terms specifically negotiated as part of the settlement. The most significant changes to the PMP as a result of the settlement relate to the membership deposit refund scenarios: the death benefit, the 30-year-provision, the resign list and home sales.

Q18: What will be done to make the provisions of the new Premier Membership Plan binding on future owners of PGA West?
A: The Debtor will file a motion for approval of the settlement, which is an amendment to the Premier Membership Plan. The amended PMP will be approved by the secured lenders and the court, with restrictions on future changes to negotiated terms. Any subsequent buyer of the Club will be held to the terms of this agreement.

Q19: If the settlement is approved by the Bankruptcy Court, PGA West members will not have as good a deal as they had before the bankruptcy. How can you call that a good deal for members?
A: Simply put, what we had before the bankruptcy was created years ago in a different real estate and golf club environment. That arrangement can no longer be sustained in its present financial form. Even so, while we are making some repayment concessions over the near term, we are still preserving ways for active and resigned members to recover their full refundable deposit amount over time.

Q20: It's worked fine for the past 17 years since the last bankruptcy. Why the need to change now?
It was a financially unsustainable business for the new owners. Even if our contracts had been fully assumed by the Club "as is," the Club would remain financially weak -- and destined for an eventual restructuring. That restructuring would have eventually occurred -- with the current owners or any new owners in the future.

Q21: What did the settlement accomplish?
A: The settlement balances our goals and those of the owner. It achieved our major goals:
Maintain or enhance the PGA West member experience, without substantial out-of-pocket future expenses
Provide for the long-term financial stability of the Club
Stabilize the long-term values of our homes at PGA West
End the uncertainty of the bankruptcy
Maintain or Enhance the PGA West Member Experience, Without Substantial Out-of-Pocket Future Expenses

Q22: How can you say this agreement minimizes substantial out-of-pocket future expenses?
A: Under the settlement, our monthly dues can't increase more than five percent a year for the next five years. That's similar to what we have today, and it gives us, and the Club's owners, a level of predictability as we plan for the future.

Q23: What happens after five years?
A: The owners' position was that future dues would be handled the same as in the past, with Club management providing budgets to the owner and suggesting dues increases based on those budgets.

Q24: In what other ways did you minimize out-of-pocket future expenses?
A: Consistent with our current Club agreement, there will be no member assessments in the future.

Q25: And how does the agreement maintain or enhance the PGA West member experience?
A: The agreement guarantees that our three PGA West private courses remain private. It also maintains the member "cap" at 375 members per course. We also believe that, by helping the owners run a sustainable business, that they will put more money into the Club for operations and improvements.

Q26: How were you able to keep members' dues essentially the same as they are today, with modest annual increases?
A: During the negotiations, we realized that if there were major dues increases, a significant number of members would leave. The resulting decrease in the member base would cause another major dues increase, which likely would cause more members to leave. That would result in another dues increase, and yet more members leaving.

We believed this scenario was unacceptable to the future of the Club, and as a consequence, we looked for trade-offs that allowed us to keep monthly dues at reasonable levels.

Q27: What kind of trade-offs are you referring to?
A: In exchange for keeping members' dues at reasonable levels, we helped the owners address their concerns about their membership deposit liability. This helped avoid the possibility of the Club increasing revenue through dues and assessments to pay for this liability.

Q28: Why did you make this trade-off?
A: Both sides in the negotiations agreed this was a reasonable way to provide for the long-term financial stability of the Club.

Provide for the Long-term Financial Stability of the Club

Q29: Why is it members' responsibility to make sure the Club has long-term stability?
A: During the negotiations, both sides agreed that it was in our mutual best interest to make sure the Club was sustainable. If the Club isn't financially healthy, it affects all of us. Many of us are here to enjoy the PGA West lifestyle in our retirement years. A healthy Club allows us to do that.

Q30: Given the shift in the changing economics of golf, is the new business model sound?
A: We believe the settlement successfully addresses the owners' desires to run a business that is sustainable, and encourages owners to invest in the future of PGA West.

Q31: You agreed to limit the owners' possible financial exposure in any given year. Why should there be a limit?
A: During the negotiations, we listened to the Club owners' concerns about running a sustainable business. As a result, we have agreed to changes that limit the owners' possible financial exposure in any given year, and give them a level of predictability they can budget for. These changes create an economic environment to encourage the owners to invest in the future of PGA West.

Q32: Didn't the Club make members a promise when we joined -- that there would be refundable deposits, moderate dues increases and no assessments?
A: When a bankruptcy happens, all contracts are off the table and are subject to renegotiation. It now turns out the promise the Club made us was, from an ongoing business standpoint today, unrealistic and unsustainable.

Q33: Why shouldn't I be entitled to receive 100 percent of my refundable membership back?
A: In a bankruptcy, all contracts are subject to renegotiation. The owners could have rejected our contracts, totally restructured the club from scratch, and paid out our deposit claims over a very long period of time. We were able to negotiate a deal that allows all PGA West members, active and resigned, the option to get 100 percent of their refundable memberships back.

Q34: Which members won't be able to receive 100 percent their refundable membership deposit back?
A: All members, active and resigned, have the option to receive 100 percent of their refundable membership deposit. Resigned members who are at or near the top of the resign list may agree to accept 50 percent when they come up for payment. These resigned members would accept 50 percent now, rather than waiting for the 30-year provision or death to receive 100 percent of their refundable deposits back.

Active members who sell their membership with their house will have the option of accepting the resign percentage (50 percent + 5 percent per year) of their refundable membership deposit at the time of the sale -- or, waiting to receive 100 percent through the 30-year or death provisions.

Q35: How will active PGA West members be able to get 100 percent of their refundable membership deposits back?
A: The best way for a current member to make sure he receives 100 percent of his refundable membership deposit back is to remain an active, dues-paying Club member for the next 10 years. In that scenario, he earns back the remaining 50 percent of his membership deposit at 5 percent per year.

Stabilize the Long-Term Values of our Homes at PGA West

Q36: How are PGA West home values tied to the financial health of the Club?
A: When we think of what's at risk at PGA West as a result of the bankruptcy, we often think of our membership deposits - from $30,000 to $125,000, depending on when you became a member. Many of us have as much, or more, at stake with our PGA West homes as we do with our membership deposits.

Ensuring the financial stability of the Club helps protect the stability of our home values. If Club membership becomes less desirable, so does PGA West home ownership. If Club membership becomes more desirable, we believe that enhances the value of our homes at PGA West, over time.

Q37: If a member opts not to sell his membership with the sale of his home, or if the buyer opts not to buy the same type membership, the seller can wait instead for death payout or 30-year payout. In this case, will dues payments be required or waived?
A: If you go on the resign list, you pay dues for the remainder of the current year. That's how the current PMP treats this circumstance, and the settlement does not change this.

Q38: Will current PGA West homeowners, without a golf membership, be offered the chance to purchase a golf membership?
A: The Club plans to offer, for a period of time, the opportunity for any PGA West homeowner to join the Club. The terms and exact timing are still to be determined.

Q39: What happens if a member sells their house and their membership was not picked up by the new owner?
A: In this case, you can keep your membership and continue paying dues and enjoying the club, or you may resign and wait for the 30-year or death benefit.

Q40: If in 2015 we sell our current home and buy another inside PGA West, and we do not wish to sell our membership, do we forfeit the additional 15 percent we accrued in the three years following 2012 through 2014 or can it be carried over to the new property?
A: The 15 percent goes with the membership, not the home.

Q41: If I sold my home today and the new owner bought my membership too, would I get back what I paid for my membership?
A: Until the settlement is approved by the Bankruptcy Court, the current PMP governs your sale. After the settlement is approved, you would receive 50 percent. Or, you could resign and wait for the 30-year or death benefit, and receive 100 percent.

Q42: I joined PGA West in 1986. If I sell my house now with the membership, would it cost the new owner $30,000 to join?
A: The new owner pays whatever the current rate is for the type of membership he purchases.

Q43: Is there any assurance that there will always be memberships available for buyers who purchase homes where the current owners decide to retain the membership?
A: From a practical standpoint, the answer is yes -- because the Club is highly unlikely to reach the membership cap anytime soon.

Q44: If the seller retains his membership and moves out of PGA West, are there any limitations on his non-resident membership status, or the provision to "call" his membership?
A: The "call" provision for non-resident memberships is still in the PMP, but as we said, it is highly unlikely that this provision will be enacted anytime soon. For that to occur, the club would have to reach the membership cap.

Q45: If you have a Premier Membership and own a home tied to that membership, you can earn back five percent per year from year 2112 on. What happens if you sell your home and keep your membership? Can you still earn back five percent per year?
A: The refundable membership deposit "earn-back" is tied to the active membership, not the home.

Q46: If we sell our home, can we hold on to our membership and earn back 5 percent of our membership each year?
A: You can sell your home, keep your membership, continue paying dues and enjoying the club, and earn back five percent of your refundable membership deposit each year.

End the Uncertainty of the Bankruptcy

Q47: How does this agreement end the uncertainty of the bankruptcy?
A: If approved by the Bankruptcy Court, the agreement with the Club's owners means we can enjoy the Club as usual, because our deal is complete, and our issues are off the table.

Q48: Even if all parties approve the agreement, the bankruptcy will continue for many more months. So how does this settlement end the uncertainty of the bankruptcy?
A: If our agreement is approved, the bankruptcy reorganization will continue. But it will not affect PGA West members, because our issues will have been resolved.

Q49: The details of the settlement are not yet approved by the Bankruptcy Court, so wouldn't the terms of the settlement only take effect after the entire bankruptcy plan is approved? Aren't all existing contracts still in force?
A: This settlement takes effect when the Bankruptcy Court approves it. Existing contracts are still in effect until then.

Q50: Does the agreement protect members from facing future bankruptcy proceedings as unsecured creditors?
A: While there are no guarantees, we believe the settlement successfully addresses the owners' desires to run a business that is sustainable, and encourages the owners to invest in the future of PGA West.

Q51: What happens if the owners change their mind during the bankruptcy -- can they get out of this deal?
A: After Bankruptcy Court approval, it's very rare and disadvantageous for the owner to break the new contract, and it would need special Court approval. Once approved, the owner cannot typically do a reorganization plan for other creditors and exit bankruptcy unless they honor our new Court-approved contracts, or pay us in cash for all amounts due.

Membership Deposit Refunds -- A Critical Issue

Q52: Are members taking a reduction in their refundable membership deposits?
A: Initially, all members will take a 50 percent reduction in their refundable membership deposits. Active members will have the opportunity to earn back the remaining 50 percent at 5 percent per year. Also, all members, active and resigned, will have the option of receiving 100 percent of their refundable membership deposit if they choose to wait for either the 30-year or death benefit.

Q53: Were there any alternatives to members taking a reduction in their membership deposits?
A: One alternative was a significant dues increase to fund the 30-year refund or death benefit. If members were to fund these benefits, we could have faced large monthly dues increase. We found this to be an unacceptable approach.

Q54: How will active members earn back the remaining 50 percent of their refundable deposits?
A: Active members will earn back five percent of their refundable deposit per year for each year they remain active, starting in 2012. On Jan. 1, 2013, you will get back 55 percent, based on being an active dues-paying member for 2012. After 10 years, you will be back to 100 percent of your refundable membership deposit. This percentage is called the "resigned percentage."

Members will get paid back their resigned percentage when being paid off of the resign list or when selling their house. For the 30-year provision and the death provision, members will still get back 100 percent.

Q55: If you are a current dues-paying member and intend to be so for the foreseeable future, it would take 10 years from now to accumulate 100 percent credit for my refundable membership deposit. Is this correct?
A: Yes.

Q56: Do the new deposit repayment terms apply to both Premier Golf members and Premier Sport members?
A: The membership deposit repayment terms are the same for all categories of memberships, as long as those memberships had refundable membership deposits.

Q57: My husband and I joined in 1986. Does our 30 years for full refund begin in 1986, or in 1994 when the Premier Membership Plan began?
A: Along with other members at that time, your 30 years began in 1994, and ends in 2024. The 30-year period for members joining after 1994 will start in the year that they joined.

Q58: How does the cap on member refunds work, and why was it established?
A: To allow the owners to predict their membership deposit liability each year, a cap of total expenditures was necessary. This cap was established by looking at the average of the last two years. That's how we arrived at the starting number of $1.1 million, which will increase by 5 percent each year.

Every year, up to $500,000 of unused cap can be carried forward into the next year. If a member is due a refund and the cap has already been exceeded, the liability will be carried over the following year and paid as a priority payment in the order the liability was incurred.

Q59: Won't this cap just create another long waiting list waiting for payment of their membership deposit refunds?
A: We anticipate there will be a list of members waiting for payment. It is difficult to predict when that list will start. Between now and 2024 (when the 30-year benefit kicks in), the impact on the cap will be based on the number of members who die each year and what their survivors choose to do with the membership. Over time, with the initiation of a nonrefundable membership and membership liability being paid through home sales, the possibility of there being a list will become less and less likely.

Q60: There is also a cap on the payments when selling your membership with your home. How does this work and will this also create another list for payout?
A: Each year the club will allocate $250,000 to a fund to pay back memberships with home sales. With each home sale, the sale of the new membership is added to the fund and the payment to the exiting member is subtracted from the fund. The maximum net cash outlay in a given year cannot exceed the $250,000. Up to $250,000 of unused funds may be carried over into the next year.

If the cap is exceeded in a given year, the unpaid members will have a priority for payment in the following year. Although it is highly unlikely, there is a possibility of creating a list in any given year with substantial home sales. But we do not anticipate this list will be of any length, and as non-refundable memberships increase in cost, the possibility of any list at all becomes unlikely.

Q61: Under the settlement, due to the annual refund cap, if you die or sell your home and do not immediately receive the percent due, does the balance due roll over to following year and go to the top of that year's refund list until all amounts due are received?
A: Yes, you maintain your position on the list to be paid the following year.

Q62: How much profit is the Club entitled to?
A: Based on our review of the Club's financial status, we believe their profits now and in the foreseeable future are not excessive.

Q63: How do you know?
A: We have done our homework. We have done projections of the total revenue that should be received at PGA West and an estimate of what the normal costs should be to run the Club. We have also been given access to certain limited financial information.

Q64: Will new membership deposits be held in escrow, and provide for refunds earlier than current members?
A: No.

Q65: Did any of the previous owners violate any section of the PMP by spending the principal portion of the membership deposits that they collected?
A: There is no provision in the PMP, nor has there ever been, that addresses where the refundable membership deposits should be held. It is also not a legal requirement for the membership deposits to be held in a secure account. In the past, the deposits were used for general club investment, operations, and profit.

Q66: Going forward, will there be a special fund to handle membership refunds, or will the refunds be paid out of the general operating fund?
A: The settlement does not address the owners' handling of refundable membership deposits. It only addresses the scenarios in which the deposits will be refunded. We believe that, by creating an environment that allows the Club to be financially sustainable in the long-term, we have minimized the concern about the owners' ability to refund the membership deposits.

Membership Deposit Refund Scenarios

Q67: The scenarios for refunding membership deposits seem quite complex. Can you simplify these scenarios?
A: Here are a few examples to help you understand how some of the refund scenarios work.

Q68: I bought my membership in 2002 for $100,000. I am planning to leave La Quinta in 2013 to be closer to my grandchildren. If I sell my house at PGA West in 2013, what are my options for getting my membership deposit back, and how much of it will I get back?
A: If you sell your house and the purchaser buys a similar membership (refundable or non-refundable) you will have two choices: You can get 55 percent (50 percent plus 5 percent for the full year of membership in 2012) for a total of $55,000 -- subject to the home sale cap; or, you can go on the resign list and wait to receive 100 percent at either 30 years from 2002 or death -- subject to the annual cap.

Q69: I bought my membership in 1998 for $80,000. I own a home in Indio and am a non-resident member. I am no longer interested in being a member at PGA West. How can I get my membership deposit back, and what will I get back if I leave in 2013?
A: Just as we have now, the only option is to go on the resign list. If you make it to the front of the list you will receive your applicable percentage (50 percent plus 5 percent per year of active membership starting in 2012). In your case, the most likely scenario is you will get 100 percent after 30 years (in 2028), or upon

67 comments:

sypialnie sklepik waw said...

sypialnie do
łóżka do
materace do
łóżka tapicerowane do
łóżka z pojemnikiem do
łóżka do sypialni do
łóżka metalowe do
łóżka łóżka do
materace koło do
materace tempur do
materace ortopedyczne do

PropTiger.com said...
This comment has been removed by the author.
Anonymous said...

What's up, I wish for to subscribe for this webpage to obtain latest updates, therefore where can i do it please help out.

Look at my blog :: www.boardcentralalert.sidcorporation.com

Anonymous said...

Thanks for your marvelous posting! I actually enjoyed reading
it, you happen to be a great author. I will make certain
to bookmark your blog and may come back down the road.
I want to encourage you continue your great writing, have
a nice evening!

my homepage :: Orlanso Sushi Restaurant

Anonymous said...

Hey superb blog! Does running a blog like this take a massive amount work?

I've virtually no expertise in programming however I had been hoping to start my own blog soon. Anyway, if you have any ideas or tips for new blog owners please share. I know this is off topic but I just had to ask. Appreciate it!

Feel free to surf to my web site; sushi bar made in japan

Anonymous said...

Hurrah, that's what I was searching for, what a material! present here at this blog, thanks admin of this site.

My web blog :: florist supplies nyc

Anonymous said...

I'm really inspired along with your writing skills and also with the format on your weblog. Is that this a paid theme or did you customize it yourself? Either way stay up the nice high quality writing, it is rare to peer a nice blog like this one these days..

Here is my page :: buy used golf balls cheap in az

Anonymous said...

hello!,I like your writing very much! proportion we be
in contact extra approximately your article on AOL?
I require a specialist in this space to resolve my problem.
May be that's you! Looking ahead to look you.

Review my web-site; golf balls for sale ireland

Anonymous said...

Hello to all, how is everything, I think every
one is getting more from this website, and your views are pleasant designed for new viewers.


My web site - Seafood

Anonymous said...

Way cool! Some extremely valid points! I appreciate you writing this write-up plus the rest of the website is really good.


Here is my blog golf channel school of golf

Anonymous said...

I like what you guys are usually up too. This kind
of clever work and coverage! Keep up the fantastic works guys
I've incorporated you guys to my blogroll.

Also visit my weblog ... championgolfgifts.com

Anonymous said...

This post is actually a fastidious one it helps new net users,
who are wishing for blogging.

Feel free to surf to my page; Callaway golf las vegas
my web page > micahmoney.com

Anonymous said...

Have you ever considered about adding a little bit more than
just your articles? I mean, what you say is important and
all. However just imagine if you added some great graphics or videos
to give your posts more, "pop"! Your content is excellent
but with pics and clips, this blog could undeniably be
one of the greatest in its field. Great blog!

Feel free to visit my site - deloops.com

Anonymous said...

Thank you for sharing your info. I truly appreciate your efforts and I
am waiting for your further write ups thank you once
again.

my web blog; golfnow.com mobile app

Anonymous said...

Excellent way of telling, and nice paragraph to get information on the topic of my presentation subject,
which i am going to deliver in school.

my homepage: https://Www.Youtube.com/watch?v=bwX2S5z24so

Anonymous said...

constantly i used to read smaller articles or
reviews which also clear their motive, and that is also happening
with this article which I am reading here.

Also visit my website: california golf lessons

Anonymous said...

Howdy. I am wondering if you may be interested
in doing a link exchange? I see your website: http://www.
blogger.com/comment.g?blogID=2173430712636260091&postID=6175973373955583429 and my
website are based mostly around the same subject matter.

I'd really like to swap links or perhaps guest author a article for you. Here is my personal email: marta.gregg@gmail.com. Please contact me if you're even remotely interested.
Thanks.

my website ... furnace troubleshooting fix

Anonymous said...

Hey! This is the fourth time visiting now and I really just wanted to say I
truley relish reading through your weblog. I decided to bookmark it at digg.

com with your title: Blogger: The Coachella
Valley Desert Blog from Palm Springs to La Quinta and
your URL: http://www.blogger.com/comment.g?blogID=2173430712636260091&postID=6175973373955583429.

I hope this is fine with you, I'm trying to give your fantastic blog a bit more publicity. Be back shortly.

Also visit my web page: Highland Park furnace repair affordable

Anonymous said...

Does your website have a contact page? I'm having a tough time locating it but, I'd like to
send you an e-mail. I've got some suggestions for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it develop over time.

Visit my blog ... Home renovation contractors

Anonymous said...

Hey, I think your blog might be having browser compatibility issues.
When I look at your website in Safari, it looks fine but
when opening in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up!
Other then that, very good blog!

Also visit my blog post fitness articles 2012
Also see my site :: elastic exercise bands

Anonymous said...

It's a shame you don't have a donate button! I'd definitely donate to this superb blog! I suppose for now i'll
settle for book-marking and adding your RSS feed to
my Google account. I look forward to new updates and will share this blog with my Facebook group.
Talk soon!

Feel free to visit my web site latin dance shoes los angeles

Anonymous said...

Your blog appears to be having some compatibilty issues in
my chrome browser. The wording seems to be running off the webpage pretty bad.

If you would like you can email me at: wardstaples@bigstring.

com and I will shoot you over a screen shot of the problem.



My web-site - sports brand logos first ascent of the mountain

Anonymous said...

Hey I know this is off topic but I was wondering if you knew of
any widgets I could add to my blog that automatically tweet
my newest twitter updates. I've been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

Here is my web page: led circuit board repair

Anonymous said...

I really like your blog.. very nice colors & theme.
Did you design this website yourself or did you hire someone to do it for you?
Plz respond as I'm looking to create my own blog and would like to know where u got this from. cheers

Also visit my website ... build computer components list

Anonymous said...

Hey this is kind of of off topic but I was wanting to
know if blogs use WYSIWYG editors or if you have to
manually code with HTML. I'm starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!

Feel free to surf to my webpage - www.youtube.com

Anonymous said...

Surfing around reddit.com I noticed your web site book-marked as: Blogger: The Coachella
Valley Desert Blog from Palm Springs to La Quinta. I am assuming
you book-marked it yourself and wanted to ask if social bookmarking gets you a
bunch of traffic? I've been thinking of doing some bookmarking for a few of my websites but wasn't sure if it would
yield any positive results. Thank you so much.

Also visit my webpage ... non degenerate semiconductor definition

Anonymous said...

I've gone ahead and included a link back to your internet site from one of my clientele requesting it. We have used your web page URL: http://www.blogger.com/comment.g?blogID=2173430712636260091&postID=6175973373955583429 and blog title: Blogger: The Coachella Valley Desert Blog from Palm Springs to La Quinta to be sure you get the correct anchor text. If you woud like to check out where your link has been placed, please contact me at: joshstark@inbox.com. Many thanks

Also visit my website ... semiconductor electrochemistry by rudiger memming

Anonymous said...

Hiya. I was thinking about adding a website link back to
your blog since both of our sites are primarily based around the same
subject. Would you prefer I link to you using your site address:
http://www.blogger.com/comment.g?blogID=2173430712636260091&postID=6175973373955583429 or web site title:
Blogger: The Coachella Valley Desert Blog from Palm Springs to La
Quinta. Please make sure to let me know at your earliest
convenience. Cheers

Feel free to surf to my web site :: silicon wafer processing dates

Anonymous said...

Hey, I think your site might be having browser compatibility issues.
When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping.

I just wanted to give you a quick heads up! Other then that, awesome
blog!

Here is my website: wafer probe tester

Anonymous said...

I am really loving the theme/design of your website. Do you ever run into any
browser compatibility problems? A few of my blog readers have complained about my website not working correctly in Explorer but looks great
in Safari. Do you have any suggestions to help fix this problem?


Feel free to visit my homepage; short term housing chicago area

Anonymous said...

I do not know if it's just me or if perhaps everybody else encountering issues with your site. It appears like some of the written text in your posts are running off the screen. Can someone else please comment and let me know if this is happening to them as well? This could be a problem with my browser because I've
had this happen previously. Many thanks

Feel free to visit my site :: vacation rentals in myrtle beach for 18 year olds

Anonymous said...

Good day! Do you know if they make any plugins to help with
Search Engine Optimization? I'm trying to get my blog to rank for some targeted keywords but I'm not
seeing very good results. If you know of any please
share. Thank you!

Feel free to visit my page oakwood corporate housing tucson

Anonymous said...

Hi there. I was contemplating adding a backlink back to your site since both of our web sites are based around the same subject.
Would you prefer I link to you using your website address:
http://www.blogger.com/comment.g?blogID=2173430712636260091&postID=6175973373955583429
or web site title: Blogger: The Coachella Valley Desert Blog
from Palm Springs to La Quinta. Please make sure to let me know at your earliest convenience.

Thanks alot :)

Feel free to surf to my web page vacation rentals by owner emerald isle north carolina

Anonymous said...

Ρretty component of сontent. I simply stumbled
upοn your web site and in accession capitаl to assert that I acquire actuallу enjoyed аccοunt your blоg posts.
Anywаy I'll be subscribing on your augment or even I fulfillment you get entry to constantly rapidly.

My web blog - raspberry ketone uk

Anonymous said...

I am regular visitor, how are you everybody? This piece
of writing posted at this website is in fact fastidious.


Here is my webpage - shoulder surgery games

Anonymous said...

Verу niсe artіcle, јust ωhаt I was looking foг.


Mу page vitamin shoppe coupon code 2012

Anonymous said...

I was curious if you ever considered changing the page layout of your
blog? Its very well written; I love what youve got to say.
But maybe you could a little more in the way of
content so people could connect with it better.

Youve got an awful lot of text for only having one or 2 pictures.

Maybe you could space it out better?

Feel free to visit my weblog www.youtube.com

Anonymous said...

I'm wondering which blogging platform you're running?
I'm new to blogging and have been thinking about using the Blogger platform. Do you consider this is a good foundation to start with? I would be extremely grateful if I could ask you some questions through email so I can learn a bit more before getting started. When you have some free time, please make sure to get in touch with me at: stevewellman@mailsent.net. Appreciate it

Also visit my webpage; http://www.youtube.com/

Anonymous said...

Please let me know if you're looking for a writer for your weblog. You have some really great posts and I believe I would be a good asset. If you ever want to take some of the load off, I'd love to write some material
for your blog in exchange for a link back to mine.
Please blast me an e-mail if interested. Kudos!


Here is my web-site; sanrio hello kitty kitchen appliances

Anonymous said...

Hello! I've been reading your website for a while now and finally got the courage to go ahead and give you a shout out from Kingwood Tx! Just wanted to tell you keep up the good work!

Feel free to visit my web blog vistaprint coupon

Anonymous said...

Hello, i think that i saw you visited my blog thus
i came to “return the favor”.I am attempting to find things
to improve my website!I suppose its ok to use a few of your ideas!
!

My blog; acupuncture schools

Anonymous said...

WOW just what I was looking for. Came here by searching for florist tape splitter

Here is my site: St Cloud Florist

Anonymous said...

WOW just what I was searching for. Came here by searching for sciatica exercises mayo clinic

Also visit my web blog :: back spasms causes and cures

Anonymous said...

You should be a part of a contest for one of the greatest sites on the net.

I will highly recommend this website!

my page; cervical spine

Anonymous said...

Remarkable! Its genuinely awesome article, I have got much clear idea on the topic of from this article.



my weblog :: Las Vegas Golf Lessons

Anonymous said...

I feel this is among the most significant info for me.
And i am happy reading your article. However should
commentary on few normal things, The web site style is perfect, the articles is really excellent : D.
Excellent task, cheers

My web site: acoustic guitar chord

Anonymous said...

I do not know if it's just me or if everybody else encountering problems with your website. It appears like some of the written text within your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This may be a problem with my internet browser because I've had
this happen previously. Thanks

Here is my homepage ... acoustic guitar chord

Anonymous said...

Thanks for the auspicious writeup. It actually was a amusement account it.
Glance advanced to far introduced agreeable from you!
However, how can we keep up a correspondence?

Here is my homepage: golfsmith corporate jobs

Anonymous said...

It is perfect time to make some plans for the
future and it is time to be happy. I've read this post and if I could I desire to suggest you some interesting things or suggestions. Maybe you could write next articles referring to this article. I desire to read even more things about it!

my blog post video viral marketing

Anonymous said...

Unquestionably believe that which you said.

Your favorite reason appeared to be on the web the simplest thing to take
note of. I say to you, I definitely get annoyed while other people
think about issues that they just don't understand about. You managed to hit the nail upon the top as neatly as defined out the whole thing without having side effect , folks can take a signal. Will likely be back to get more. Thanks

Also visit my web-site ... physical therapy clinics orlando

Anonymous said...

Marvelous, what a website it is! This webpage presents valuable data
to us, keep it up.

Visit my page: california golf schools for women

Anonymous said...

Hello, Neat post. There is an issue together with your website in internet explorer, could test this?
IE still is the market leader and a large element of people will leave out your excellent writing due to this problem.


Also visit my page: cityinsider.com

Anonymous said...

Magnificent goods from you, man. I have have
in mind your stuff previous to and you are just too great.
I actually like what you've obtained here, certainly like what you're saying and
the way in which in which you say it. You make it enjoyable and you
still take care of to keep it smart. I can not wait to read far more from you.

This is really a terrific web site.

Also visit my webpage ... Chiropractor

Anonymous said...

Hello there! I know this is kinda off topic nevertheless I'd figured I'd
ask. Would you be interested in trading links or maybe guest authoring a blog article or vice-versa?
My site addresses a lot of the same subjects as yours and I
feel we could greatly benefit from each other. If you are interested feel free to shoot me an email.
I look forward to hearing from you! Excellent blog by the
way!

my webpage bathroom remodeling contractors

Anonymous said...

First off I would like to say superb blog! I had a
quick question that I'd like to ask if you don't mind. I was curious to find out how you center yourself and clear your mind prior to writing.
I have had difficulty clearing my mind in getting my thoughts out.
I do enjoy writing however it just seems like the first
10 to 15 minutes are lost just trying to figure out how to begin.

Any recommendations or hints? Kudos!

My web blog; orgasms

Anonymous said...

This is my first time go to see at here and i am
really impressed to read everthing at one place.


Here is my page ... red kitchen appliances south africa

Anonymous said...

Its like you read my mind! You appear to know a lot about this,
like you wrote the book in it or something.
I think that you can do with a few pics to drive the message home a
little bit, but instead of that, this is great blog. A great read.
I'll certainly be back.

my page :: pizza restaurants near me

Anonymous said...

I'm new to building internet sites and I was wondering if having your blog title relevant to your articles and other content really that crucial? I see your title, "Blogger: The Coachella Valley Desert Blog from Palm Springs to La Quinta " does appear to be spot on with what your website is about but, I prefer to keep my title less content descriptive and based more around site branding. Would you think this is a good idea or bad idea? Any kind of assistance would be greatly appreciated.

Here is my webpage - www.purevolume.com

Anonymous said...

Do you mind if I quote a few of your posts as long as I provide credit
and sources back to your webpage? My blog
is in the exact same area of interest as yours and my visitors would certainly benefit from a lot of the information you provide here.
Please let me know if this ok with you. Regards!

Feel free to visit my web page :: maytag refrigerators made

Anonymous said...

Remаrκаble isѕues here.

I am verу glad tо рeeг your
poѕt. Thаnk уou ѕo much and I am loοκing forωaгd
to contact yοu. Will you kinԁly drop me a mail?


mу blοg poѕt; car transporters for sale second hand

Anonymous said...

Greetings! Very useful advice within this article!
It is the little changes that make the largest changes.
Thanks for sharing!

My blog post; kissimmee public golf

LOL game gold said...


The following message is the fifteenth in an on-going series of e-mails about the February 2011 bankruptcy of PGA West ownership. These messages are being sent to all PGA West Members by Dave Balducci, President of the PGA West Members Association, on behalf of the PGAWMA Board.
Buy LOL Elo Boost
League of Legends Boost

LOL game gold said...

I'm really inspired along with your writing skills and also with the format on your weblog. Is that this a paid theme or did you customize it yourself? Either way stay up the nice high quality writing, it is rare to peer a nice blog like this one these days..LOL Elo Boost
Cheap LOL Elo Boost

John Terry said...

I thoroughly go through your blog. Your blog is very nice, that's why its make me to comment here. I can help you on that side where I am good. If you ever need service on your furnace please visit us at rheemteamcomfort.com

Jack Men said...

It’s never too late to improve your information and your contents inspire me. ELO Boost

Uzma Mir said...

I’m flattened for your blogs writings and blogs as well. free wordpress themes

Janis evans said...

Thanks for sharing...
quickbooks enterprise support phone number