The Ritz-Carlton, Laguna Niguel presents a curated exhibition of photos and surfboards titled “Winter Waters” at the oceanfront resort. The exhibit captures the colorful waters of California and Iceland with photo prints by Chris Burkard alongside six Album Surf surfboards featuring integrated photos taken by Chris. The exhibit is on display in the resort’s Art Exhibit Space from January 17 through April. The exhibit is complimentary and open to the public.
After exploring the exhibit, guests can make it an afternoon or evening and enjoy handcrafted cocktails on 180blú as they watch surfers ride the waves at Salt Creek while the sun sets over Catalina. 180blú is the resorts outdoor oceanfront lounge featuring panoramic views of the Pacific and the blue skies across the horizon. Perched 150-feet above Salt Creek Beach, 180blú is the perfect Southern California experience to enjoy refreshing beverages, small plates from RAYA and a little slice of heaven on earth.
Chris Burkard is an accomplished explorer, photographer, creative director, speaker, and author. Traveling throughout the year to pursue the farthest expanses of Earth, Burkard works to capture stories that inspire humans to consider their relationship with nature, while promoting the preservation of wild places everywhere. Layered by outdoor, travel, adventure, surf, and lifestyle subjects, Burkard is known for images that are punctuated by untamed, powerful landscapes.
The Ritz-Carlton, Laguna Niguel is located at 1 Ritz Carlton Drive in Dana Point. For information, call (949) 240-2000.
Based on the screenplay by Marc Norman and Tom Stoppard adapted for the stage by Lee Hall
Music by Paddy Cunneen Directed by Marc Masterson
Now through February 10, 2018 Segerstrom Stage
Young Will Shakespeare is desperate. He has writer’s block and owes two demanding producers a new comedy—a half-baked mess titled Romeo and Ethel, the Pirate’s Daughter. Enter his inspiration: Viola. Smart, beautiful and Will’s greatest admirer, she will stop at nothing—including breaking the law—to be in his play. As their love blossoms, so does his greatest masterpiece. Mistaken identities, ruthless scheming, and backstage theatrics make this romantic feast “a joyous celebration of theatre” (Daily Telegraph). For info, visit www.scr.org
Friday, February 16, 2018, 8 PM
Kiran Ahluwalia is a modern exponent of the great vocal traditions of India and Pakistan which she honors intensely yet departs from in masterful, personal ways. Her original compositions embody the essence of Indian music while embracing influences from both the West and Africa — specifically the Sahara. With her 5-piece group of electric and acoustic guitar, harmonium, tabla and electric bass, Ahluwalia creates boundary-breaking songs that invite us to explore the human condition, transcending the self by losing ourselves in love.
Tickets: $30 ($26 Students, Military & Seniors 62+)
Sunday, February 25, 2018, 7 PM
Together for more than fifty years and recognized for reinventing traditional Irish music on a contemporary and international scale, The Chieftains’ music remains as fresh and relevant as when they first began. They have performed with many symphony and folk orchestras worldwide, and have broken many musical boundaries by collaborating and performing with some of the biggest names in rock, pop and traditional music in Ireland and around the world. The six-time Grammy Award winners’ ability to transcend musical boundaries to blend tradition with modern music has notably hailed them as one of the best known Irish groups in the world.
Tickets: $60 ($48 Students, Military & Seniors 62+)
Come early and enjoy dinner at our All-You-Can-Eat-Buffet.
Open Monday – Friday 5:30 – 7:30 PM. $11.25 per person.
For a complete 2017-18 Soka Performing Arts Center calendar of events: www.performingarts.soka.edu
February 27 – March 11, 2018 Segerstrom Hall
T he national tour of the Lincoln Center Theater Production of Rodgers & Hammerstein’s THE KING AND I will make its way to Segerstrom Center for the Arts February 27 – March 11, 2018. Laura Michelle Kelly stars as Anna Leonowens and Jose Llana as the King of Siam. Joan Almedilla will play Lady Thiang, with Brian Rivera as Kralahome, Q Lim as Tuptim, Kavin Panmeechao as Lun Tha, Anthony Chan as Prince Chulalongkorn, Rhyees Stump as Louis Leonowens and Patrick Boll as Captain Orton/Sir Edward Ramsey.
Director Bartlett Sher had this to say about the leads in THE KING AND I: “Jose was so superb on Broadway in The King and I that I begged him to join us on the tour, and l feel we are incredibly lucky to have him. He brings such joy and virility and strength to the King. And he is one of Broadway’s great talents.
“Laura Michelle has one of the best voices on Broadway matched with an extraordinary heart. Her work on Finding Neverland and Mary Poppins distinguished both of those shows with her natural grace and joy. She will be an exquisite Anna Leonowens.”
Tickets for THE KING AND I start at $29 and may be purchased online at SCFTA.org, the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236. The 2 p.m. performance on Saturday, March 10, 2018 will include audio description, open captioning and sign-language interpretation.
Nine month old Martin is a sweet and friendly rabbit who is ready for his next big adventure. This curious little bunny doesn’t mind being picked up or held and even enjoys lap time when he isn’t busy exploring. Martin has good litter box habits and would make a great house bunny for a loving family.
Calico was named for her pretty, spotted markings but could easily be named Sweetie for her mellow personality. Her favorite activity is sunbathing and she is an avid birdwatcher. Six years old and fully declawed, Calico would be very well suited for a quiet home.
Olga is the shelter’s current resident senior kitty. Fourteen years old and still fairly spry, Olga is very friendly and would make an ideal lap cap for someone looking for a mellow companion.
This cute little guy is Tyson, a four year old pit bull mix ready to meet his new family. Energetic and very playful, he enjoys long walks and running with the other dogs. Could this active pooch be the one for you?
If you would like to know more about the animals listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617, or visit with them at 221 Avenida Fabricante, San Clemente.
Performances: February 21 - March 25, 2018 under the white-and-gold Big Top at the OC Fair & Event Center
A WAKING DREAM OF MEXICO
LUZIA takes you to an imaginary Mexico, like in a waking dream, where light (“luz” in Spanish) quenches the spirit and rain (“lluvia”) soothes the soul. Through a series of grand visual surprises and breathtaking acrobatic performances, LUZIA invites audiences to escape on a surrealistic journey through a sumptuous and vibrant world suspended somewhere between dreams and reality. Smoothly passing from an old movie set to the ocean to a smoky dance hall or an arid desert, LUZIA cleverly brings to the stage multiple places, faces and sounds of Mexico taken from both tradition and modernity. Rich in awe-inspiring moments, LUZIA enchants by incorporating rain into acrobatic and artistic scenes – a first for a Cirque du Soleil touring production.
When you think about a company having ‘investment experience,’ what image does that conjure up? Stodgy bankers wearing suits with mountains of paperwork? Or a streamlined company full of seasoned professionals ready to take care of your assets?
The team at American Mortgage Fund (AMF) is breaking the mold and putting it all back together in an entirely new fashion. With more than forty years of combined lending, finance and real estate acquisitions experience, the AMF team is quickly building their reputation as one of the best asset-backed funding groups in the business.
If you’re new to the area of personal investing, especially mortgage investing, you’ll want to work with someone who has the experience and expertise in structuring investments. David Crantz, principal member of the AMF team, states “the easiest way to get started is by putting money into a mortgage investment fund. Through that process, you can make connections with investment professionals who know how to find borrowers, choose profitable investments, and structure deals.”
Crantz adds, “real estate investments, either direct or derivative, have historically been among the safest forms of investing.” In addition to being safe, mortgage investing yields a substantially higher return than other fixed income instruments, such as bank deposits, CDs and bonds (to the tune of 11% vs. 1% - 3%). “In the long run, mortgage investing even outperforms the stock market,” he says. “This fact, coupled with the intrinsic safety of ‘brick and mortar’ assets make mortgage investing among the best options available in modern capital markets.”
Although many different types of investments relate to the same collateral, AMF deals with a diverse asset class. Returns may be higher with a direct investment, but so is the capital investment and investment horizon. Looking at factors like additional cash investments and tax rates can influence your investment decisions. So, you must ask the questions; Is it capital intensive? Are there capital gains to take advantage of when it comes to interest deduction? Are there lower taxes?
“Mortgage investments secures loans in real estate and generates returns from income - not from capital appreciation. Since mortgages usually mature in less than five years, the investment horizon is shorter and finite when compared to direct investment in real estate,” says Crantz. Single family homes, multifamily units, retail, office, and industrial are just some of the investments American Mortgage Fund structures.
Real estate borrowers often wish to take advantage of a purchase opportunity - a situation that requires cash liquidity or the ability to access immediate cash by utilizing the services of a private lender like AMF. Another scenario gives flexibility to borrowers that need it by allowing time to reorganize holdings and reestablish solid credit.
In some cases, borrowers do not fully meet the stringent credit and capacity requirements of an institutional lender, even though they may have sufficient collateral. For this situation, private loans can be a great win-win option for both parties. The borrower wins because he or she gets the loan they desire, and the private money lender, or investor, wins because they can create an opportunity to earn above-average returns.
“Our typical borrower is a self-employed individual with an immediate need for cash. They see an opportunity in hard money lending that allows for a quick close when banks are typically in a 3-4 month lead time.” With a maximum loan-to-value ratio of 55% on commercial and 65% on residential real estate, investors funds are conservatively structured to deliver an average portfolio yield, giving a typical 11% net on underlying property interests. All deals are sourced within the United States, using appraisal reports from nationally reputable third party companies.
HOW IT WORKS
American Mortgage Fund’s loans are asset-based with the real property as the basis for the lending decision. If a property is able to produce sufficient income, the note and the value of the property will fully secure the loan and provide adequate equity. In this program, the borrower’s credit is not an issue. Rather than focusing on the details of a borrower’s credit history, as institutional lenders would, the professionals at AMF concentrate their due diligence on the real estate collateral securing the loan.
“AMF only invests in mortgages secured by first deeds with a conservative loan-to-value ratio,” says Crantz. “For this reason, our investors have a substantial safety cushion in the event that the property value drops dramatically, thereby providing the best protection for the principal capital. Further, we diversify our investors’ capital across a broad range of geographic areas and assets.”
As private mortgage lenders, Crantz and his team provide the professional real estate investor and property owner with the ability to borrow on underwriting criteria not available through traditional institutional lenders. Among the other unique advantages of transacting with a company like AMF includes the speed of closing the transaction. American Mortgage Fund is able to close most loans within two weeks or less compared to the six week or longer timeframe required by an institutional lender.
The fund has a limited lifetime of three years, after which investments are liquidated and principal capital is returned to investors.
AMF’s collective industry experience instills confidence that they will be able to offer their investors consistent high yield returns and the highest level possible of investor services. “We’re passionate about giving you the returns you deserve after a lifetime of investing wisely,” adds Crantz.
If you’re looking for a wealth of experience in your investment strategy, American Mortgage Fund and trust deed investing is the perfect vehicle for you.
For more information, call (800) 359-1111 or visit www.earn11.com. American Mortgage Fund is located at 4 Hutton Centre Drive in Santa Ana.
My sister was hit by a snowboarder when she was sixteen. On skis, just a couple of turns from the bottom of the hill - in plain sight of a SLOW sign. The snowboarder was young; not as young as my sister, but still, a young man. My parents, long-time skiers, contacted him directly, trying to see if they could get any results at all: any reparations for their high-school sophomore, laid up on the couch for innumerable weeks. There was nothing they could do. I remember feeling helpless as a child, watching the entire drama unfold. I can’t imagine what my parents must have felt. No one could help. No loopholes. No empathy, from anyone else involved.
There is a longstanding joke in the mainstream media that all lawyers are snakes. The word attorney no longer brings to mind the grainy black and white image of Gregory Peck defending the downtrodden as Atticus Finch. Certainly, in some cases, the joke must contain some shred of truth. But at Allen, Flatt, Ballidis & Leslie, the welcoming, family-like environment they’ve curated isn’t too far off from the home ambience of the fictional Finch family. Folks who actually want to do good in the world. Right wrongs. Obtain real results.
Suzanne Leslie is a managing partner and attorney at Allen Flatt for more than 30 years, and prides herself on the reputation they have built. “Our years of experience have given us more knowledge in the personal industry field than other law firms can claim. What sets us apart is exactly as our tagline says: experience, compassion, results.”
As a firm, Allen Flatt have helped many families through the emotional trauma of a great many personal injury cases. Though they have attorneys that focus on estate planning, preparing wills, trusts, and contest matters, personal injury hits the closest to home. “We care about our clients, and our primary focus is to help them deal with the difficulties of being involved in an accident- be it pedestrian accident, automobile accident, slip and fall, or dog bite.” Handling the claims process for their clients lets them pursue their medical recoveries in peace, unlike my sister, or my parents. Fighting a losing cause often takes more energy than simply healing - or letting someone else rest, to do battle with their own body and take the necessary steps to get back to normal: whatever the new normal looks like.
Offering a free consultation, with the promise that no recovery means no fee, attorneys like Suzanne offer their services on a personal level. “I started out in the personal injury field to help people. I want to make sure my clients feel taken care of through every second of their claim.” Recognized by the American Institute of Personal Injury Attorneys and the National Association of Professional Women, Ms. Leslie has recovered millions of dollars for clients and thousands of settlements for clients.
“Everyone in the firm shares compassion for the clients more than on a business level, and many of us have had first hand personal experience in what they may be going through,” she says.
As a leader in her field, it is imperative to stay abreast of the newest strictures and developments in insurance law. The more she knows, the better her chances of winning your case. Atticus Finch would probably tell you that winning isn’t everything. But sometimes, to folks like my parents, to whom winning would mean seeing my sister get the reparations for her accident paid out, and letting her find her way back to walking again, winning is the only thing.
It’s no surprise why Wig-Wag Dog Grooming is a favorite of San Juan Capistrano residents. Is it because groomer and owner Liana Brown and her team make absolutely sure that your dog is the only star of the show while its being groomed? Perhaps. Is it because Wig-Wag offers a variety of types and techniques that many other groomers do not? Very likely.
“We offer Japanese grooming styles, which is so much fun for us, the pet, and the owner!” says Liana. “Japanese grooming styles focuses on the cute-factor of the dog, so we can get pretty creative. It’s a great idea for senior dogs, and we recommend if they get a Japanese style they come in every 8 weeks as opposed to 4-6 weeks with regular grooming. It’s been fun to see people’s reactions to the adorable transformation.
Liana adds that another popular technique employed at Wig-Wag is called “carding” for sporting breeds and terriers. The benefit of carding results in a polished, natural look for your pet. It might mean more time and concentration on the part of Wig-Wag’s expert staff, but they says it’s a service absolutely worth your time.
“One of the most exciting and interesting aspects about carding is that it removes the dead undercoat, and the result is a beautiful shine,” says Liana. The fur doesn’t mat, whereas it can when it’s only been clipped. You know, there are so many super talented groomers who are well known for speedy service, but that’s not what we do. We will always offer the traditional styles of grooming, but for those pet owners who are looking for more, we’re happy to showcase our new talents! We think it’s imperative to stay on top of trends and looks for pets.”
Connect with Liana by calling (949) 291-8799. Wig Wag Dog Grooming is located at 32432 Alipaz St. In San Juan Capistrano.
Trusted, tried and true. That’s the reason why United American Mortgage has been successful for over 25 years. Since 1993, UAMC specializes in providing mortgage-financing solutions to homeowners and homebuyers.
You’re almost tired of reading about it but it’s true: the mortgage meltdown hurt more than a few and people are still trying to recover. It’s hard to know whom to trust. With many mortgage companies competing and failing, UAMC has found itself expanding into 9 states. Originally formed to provide for the specific needs of Southern California borrowers seeking mortgage products tailored for them, UAMC has made it their personalized business to get to know and help you.
“We’ve grown substantially because we have the ability to adapt to the ever-changing marketplace,” says UAMC President Al W. Hensling. “We are in the home business, the helping-people business. Yes, it requires us to at times work around the clock. Yes, we have to keep up-to-date on the latest products and regulations. We take our clients and what we do seriously because at the end of the day, everyone should either be in the home of their dreams or keep the one they love so much. To some people, it’s just paperwork and numbers. But to us, it’s personal. It’s home.”
Their incredibly impressive, rare, referral-only business model may also be the key to understanding their success, as customers flock just to see if UAMC truly walks the walk. To them, offering you efficient, cost-effect and timely service is just a day’s business. These days, most companies feel the need to plaster those words all over their advertisements. UAMC doesn’t need to express that they go above and beyond, they just think that it should come standard. “I guess you could say we just want to help how we can. Since our business is referral based, we truly get to know your family and friends.
UAMC continues to evolve with new products and financing solutions to the ever-changing Southern California real estate market. While many have given up the idea of owning a home or even refinancing, UAMC holds to the knowledge that today’s new and innovative programs are making it easier than ever to purchase or refinance.
“After a period of time in which it was extremely difficult to obtain a mortgage, things have started to normalize and lending guidelines are starting to loosen,” says Al. “The ‘Mortgage Meltdown’ created a great deal of uncertainty in the marketplace and made it difficult for so many to secure financing. We understand that a lot of people are scared to see where they stand and that’s ok. We just want you to know that it doesn’t have to be this way. Most of our clients feel the same way. Some people tell us they didn’t even want to find out about their options in the first place because they didn’t understand the jargon. Well, we aren’t the company that just explains things once. We’re with you step by step, no matter what.”
“If you’re considering anything in our sector then consider us the right team for the job,” Al says. “Call us, visit us online, or stop by the office anytime. We’re always on standby to see how we can help you. Don’t let the mortgage meltdown of yesterday affect where you’re at today. We’ve got the cutting edge techniques and knowledge to help your unique situation. We’re ready to meet your challenges and assist you into getting or keeping your home!
As the economy continues to grow and we experience job growth, more families will have an opportunity to experience the ben- efits of home ownership.
“As the Economy continues to grow and we experience job growth, more families will have an opportunity to experience the benefits of home ownership. Clients always ask what is going to happen to interest rates. I really wish I had that crystal ball to answer them accurately. It is difficult to say what rates will do, as markets have not reacted to this economy as they had previously. I counsel clients to borrow based on need and what they can afford. Loan programs are changing almost daily. As we move farther away from the mortgage meltdown of 2008, more and more programs and financing options will open up. But always be wary of the deal that sounds too good to be true. Even though recent changes have cleaned up the lending industry, there are still people out there that are not looking out for the client’s best interest. Families should always determine the experience level of their mortgage professional, along with checking references from previous clients.”