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Western Real Estate Business magazine covers the multifamily, retail, office, healthcare, industrial and hospitality sectors in the Western United States.
Issue link: https://westernrealestatebusiness.epubxp.com/i/978056
www.REBusinessOnline.com Western Real Estate Business • May 2018 • 43 The county only touted 146,000 square feet of MOB product under construction in the first quarter of 2017, though it experienced one of the highest absorption rates for this type of product. MOB absorption represented 2.5 percent of all existing Orange County inventory in the first quarter of 2017, according to CBRE, which is why developers are desper- ate to get additional projects off the ground. Those who haven't found the per- fect ground-up space are seeking out value-add opportunities near retail offerings. Such is the case with Me- ridian, which acquired The Laguna, a 57,057-square-foot medical office building across from the Laguna Hills Mall redevelopment this past Octo- ber. Laguna Hills Mall is undergoing a transformation into an indoor-out- door retail center and urban village called Five Lagunas. The Laguna also enjoys a prime address next to the 325-bed Saddleback Memorial Hospi- tal and adjacent to Laguna Woods Vil- lage, one of the largest 55-plus com- munities in Southern California. For John Pollock, Meridian's CEO, the deal was all about location and demographics. "This acquisition presented us with a rare opportunity to purchase a med- ical office asset located on-campus to one of the premier hospitals in Or- ange County," he says. "The South Orange County submarket has excep- tional demographics. Approximately 50 percent of the population within a one-mile radius of the property is 65 or older, which accounts for the high- est per-capita healthcare spending. We're looking forward to providing the community with a comfortable and inviting medical space that they can get to quickly and easily." Laguna Hills Mall isn't the only one receiving a little TLC. Meridian plans to invest more than $24 mil- lion into the property by the time it is fully leased. The Laguna was 74 per- cent occupied at the time of sale, with notable tenants like Simon Medical Imaging, South Coast Eye Care Cen- ter and Pacific Cardiovascular Associ- ates. The significant renovation will fully modernize the building, which was built in 1983, bringing it up to Class A standards. This will include aesthetic upgrades to the common areas like the lobby, hallways and re- strooms. Upgraded building systems, such as HVAC and lighting, will im- prove building efficiency. Safety stan- dards will be modernized by adding fire sprinklers throughout the entire building, in addition to other Ameri- cans with Disability Act (ADA) up- grades. Upgrades and prime locations, par- ticularly near populated corridors, are two trends very likely to continue in Orange County, if CBRE's MOB re- port is to be believed. "The need for quality MOB con- The Laguna was 74 percent occupied at the time of sale. It will undergo a renovation to fully modernize the building, which was built in 1983, bringing it up to Class A standards. *As of 12/31/17. © 2018 PGIM is the primary asset management business of Prudential Financial, Inc. (PFI). PGIM Real Estate Finance is PGIM's real estate fi nance business. Prudential, PGIM, their respective logos as well as the Rock symbol are service marks of PFI and its related entities, registered in many jurisdictions worldwide. PFI of the United States is not affi liated with Prudential plc, a company headquartered in the United Kingdom. ATLANTA | CHICAGO | DALLAS | LONDON | LOS ANGELES | NEW YORK | SAN FRANCISCO | TOKYO | WASHINGTON, DC PGIM Real Estate Finance is built on more than 140 years of commitment to the industry. Today, we're part of PGIM, the global investment management businesses of Prudential, with over $1 trillion in assets under management. We bring owners, developers and investors of all sizes deep insight on global real estate across the capital stack, with local expertise and a comprehensive approach to fi nancing. We offer a complete range of products, managed through a single point of contact: Prudential's investments portfolio, GSE, FHA, bridge, transitional and balance sheet lending. $91 BILLION IN REAL ESTATE ASSETS UNDER MANAGEMENT AND ADMINISTRATION* NEARLY $15 BILLION IN MORTGAGE ORIGINATION IN 2017 ONE OF THE LARGEST COMMERCIAL, MULTIFAMILY AND AGRICULTURAL LENDERS, INVESTORS AND SERVICERS LOANS IN 42 STATES AND 7 COUNTRIES Partner with the strength of our real estate fi nance experts at pgimref.com BUILD YOUR FUTURE ON OUR HERITAGE. tinues to grow," the report says of the county. "Most available product is 20-plus years old and has received minimal upgrades...The changing landscape of medi- cal care is also driving MOB tenants to revisit their real estate strategies. Historically, MOB on or near hospital campuses drove occupancy for the segment. However, as medical practices move toward a more consumer-ori- ented model, this is pushing many practices off-site and into retail centers in order to locate near their patients. The Laguna and MVMC may not be situated within Five Lagunas and the Shops at Mission Viejo, but their strategic location adjacent to these centers — not to mention the hospitals they serve — may allow their re- spective MOB investors to capitalize on the best of both worlds. n


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Leisure Care's Autumn 2018 LivFun Publication
Winter 2017 Issue of LivFun
A Wise Publishing magazine design and production by MLI DESIGN, for the residents and their families of LeisureCare.
The SwiftPath Program delivers state of the art hip and knee replacements by helping patients find specialty trained surgeons, who use the most advanced techniques in joint replacement surgery.
Below is a step by step presentation of concepts we did for SwiftPath, to show them how they could bring an updated look to their image while maintaining the original integrity of the brand.
A) First, we concentrated on simplifications by removing unnecessary elements and suggesting a more current font for the tagline. We also gave the second half of the name the secondary color that was part of the original brand palette.
B) Introducing a more current color palette that's also more related to their medical field, then shifting the tagline flush-left to eliminate the gap.
C) In the final option, we pull the design together into a tighter unit and make some final tweaks to the palette and font treatments.
D) Lastly, we show some optional ways the new brand can be used with photography in their marketing.
An Open Letter of Appreciation to Our Clients of Ten Years
A decade ago this month, the opportunity presented its self to invest my previous 20 years of agency, corporate and freelance experience into a new, independent venture … MLi Design. Initially the acronym for the company name began with my initials, but the concept was solidified when it was discovered it could double for the brand tag-line, "making lasting impressions." Far more than a marketing cliché, the tag-line perfectly represented a key element I wanted to drive my design decisions for the company … a strong desire to create marketing that made people stop, notice and above all, remember! I'm writing to you today because you have been part of making this dream venture and ten years of consistent business possible. I owe you my most sincere appreciation and gratitude, and thank you from my whole heart!
Mike Inks
Thailand Teach – Brand Identity by MLi Design
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- Any of several fungi, of the genus Rhynchosporium, that are pathogenic to cereals
(plural rhynchosporia)
MLA Style
"rhynchosporium." YourDictionary, n.d. Web. 08 December 2018. <https://www.yourdictionary.com/rhynchosporium>.
APA Style
rhynchosporium. (n.d.). Retrieved December 08th, 2018, from https://www.yourdictionary.com/rhynchosporium
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This morning we learned how to blow $300K in 10 minutes or less and found out that even mother nature hates car thieves. Plus we have the answers to Wake Up & Win and Smarter Than Deb
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Smarter Than Deb
To get the answers, listen to the clip
- How many items are in a gross
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What the heck where they talking about ??!!
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- Of all the places to make your privates public, the school yearbook is one of the worst places to do it


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Validation of the ANSR(®) Listeria monocytogenes Method for Detection of Listeria monocytogenes in Selected Food and Environmental Samples. Journal of Aoac International 99(1): 112-123, 2016
Multiplex PCR for simultaneous detection of bacteria of the genus Listeria, Listeria monocytogenes, and major serotypes and epidemic clones of L-monocytogenes. Applied and Environmental Microbiology 73(19): 6299-6304, 2000
Multiplex PCR for simultaneous detection of bacteria of the genus Listeria, Listeria monocytogenes, and major serotypes and epidemic clones of L. monocytogenes. Applied and Environmental Microbiology 73(19): 6299-6304, 2007
The genetic relationship of Listeria monocytogenes serotype 4b strains isolated from food and food environments to the major epidemic clones (ECI and ECII). 2006
What to do with food products in which the presence of Listeria monocytogenes is detected?. Alimentaria 29(237): 33-38, 1992
Is any strain of Listeria monocytogenes detected in food a health risk?. International Journal of Food Microbiology 16(3): 173-182, 1992
Comparison of a cold enrichment and the FDA method for isolating Listeria monocytogenes and other Listeria spp. from ready-to-eat food on retail sale in the U.K. International Journal of Food Microbiology 12(2-3): 281-286, 1991
A PCR method based on 16S rRNA sequence for simultaneous detection of the genus Listeria and the species Listeria monocytogenes in food products. Journal of Food Protection 66(9): 1658-1665, 2003
Comparative Evaluation of Veriflow® Listeria monocytogenes to USDA and AOAC Culture Based Methods for the Detection of Listeria monocytogenes in Food. Journal of Aoac International 98(5): 1325-1334, 2015
Evaluation of a new real-time PCR system for Listeria monocytogenes detection in food and in the environment iQ-Check Listeria monocytogenes. Abstracts of the General Meeting of the American Society for Microbiology 102: 372, 2002
Development of a multilocus sequence typing method for analysis of Listeria monocytogenes clones. Journal of Clinical Microbiology 41(2): 757-762, 2003
Clonogrouping, a Rapid Multiplex PCR Method for Identification of Major Clones of Listeria monocytogenes. Journal of Clinical Microbiology 53(10): 3355-3358, 2016
Novel multiplex single nucleotide polymorphism-based method for identifying epidemic clones of Listeria monocytogenes. Applied and Environmental Microbiology 77(17): 6290-6294, 2011
Evaluation of VIDAS listeria monocytogenes II (LMO2) immunoassay method for the detection of Listeria monocytogenes in foods: collaborative study. Journal of Aoac International 87(5): 1123-1132, 2004
Influence of environmental parameters on phosphatidylcholine phospholipase C production in Listeria monocytogenes: a convenient method to differentiate L. monocytogenes from other Listeria species. Applied and Environmental Microbiology 62(4): 1252-1256, 1996


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Another revealing study done in May 2018 found that 40% of Americans cannot cover $400 in the case of an emergency expense. This fact alone shows a major failure in the traditional banking system. Banks do not give quick, short-term cash loans. They only provide large loans, for specific purposes and have lengthy application processes that require good credit for approval. But this more recent study shows that what the public needs are quick loans that provide immediate relief.
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ACE has adopted this Website Accessibility Policy to support its commitment to the accessibility of its Website. Please send any specific questions or concerns about the accessibility of any webpage or function on our Website to us by: email at firstname.lastname@example.com; call us at 1-877-ACECASH; fax us at 877-582-1426; or write to us at 1231 Greenway Drive, Suite 600, Irving, Texas, 75038, Attn: General Counsel.
The maximum APR rate for a 14 day Payday Loan is 460% APR. Payday loan lengths range from 1 to 31 days. An $85 loan with a repayment period of 14 days at 460% Annual Percentage Rate would have a $15 fee, totaling $100. Loan approval is subject to meeting underwriting criteria and the ability to repay. Other restrictions may apply. Please see an associate for more details.
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Okay, you have poor credit and require money fast, it's a difficult situation. A payday loan looks like a great idea. However, much as they offer a quick way out of a tricky situation, they also have a downside. They can turn to be debt traps and many unscrupulous lenders take advantage of desperate borrowers. That is why many borrowers use a matching service. Nation 21 will assist you to secure a suitable personal loan quickly, easily, and in a secure way.
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Payday loans typically let you borrow small amounts of money so you can pay for emergency expenses like car repairs and healthcare. With most payday loans, you need to repay the money you borrow quickly, usually within a couple of weeks, which is when the lender assumes you will get your next paycheck. Some lenders advertise "no credit check" payday loans. This can be misleading, although some lenders really don't perform any credit checks. More often, the term means that the lender will perform a soft check (a basic check that can include your credit rating), or will check your financial history from sources outside the traditional three big credit bureaus (TransUnion, Equifax, and Experian). The good news is that soft checks are visible only to you and won't lower your credit score. A hard check with a traditional credit bureau, such as one which could be performed by a bank, can lower your score. LendUp payday loans have applications with no credit check hard inquiry from a traditional credit bureau, so applying won't hurt your credit score.
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Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
The propensity for very low default rates seems to be an incentive for investors interested in payday lenders. In the Advance America 10-k SEC filing from December 2011 they note that their agreement with investors, "limits the average of actual charge-offs incurred during each fiscal month to a maximum of 4.50% of the average amount of adjusted transaction receivables outstanding at the end of each fiscal month during the prior twelve consecutive months". They go on to note that for 2011 their average monthly receivables were $287.1 million and their average charge-off was $9.3 million, or 3.2%.[12] In comparison with traditional lenders, payday firms also save on costs by not engaging in traditional forms of underwriting, relying on their easy rollover terms and the small size of each individual loan as method of diversification eliminating the need for verifying each borrower's ability to repay.[38] It is perhaps due to this that payday lenders rarely exhibit any real effort to verify that the borrower will be able to pay the principal on their payday in addition to their other debt obligations.[39]
Prior to 2009 regulation of consumer credit was primarily conducted by the states and territories. Some states such as New South Wales and Queensland legislated effective annual interest rate caps of 48%.[53] In 2008 the Australian states and territories referred powers of consumer credit to the Commonwealth. In 2009 the National Consumer Credit Protection Act 2009 (Cth) was introduced, which initially treated payday lenders no differently from all other lenders. In 2013 Parliament tightened regulation on the payday lending further introducing the Consumer Credit and Corporations Legislation Amendment (Enhancements) Act 2012 (Cth) which imposed an effective APR cap of 48% for all consumer credit contracts (inclusive of all fees and charges). Payday lenders who provided a loan falling within the definition of a small amount credit contract (SACC), defined as a contract provided by a non authorised-deposit taking institution for less than $2,000 for a term between 16 days and 1 year,[54] are permitted to charge a 20% establishment fee in addition to monthly (or part thereof) fee of 4% (effective 48% p.a.).[55] Payday lenders who provide a loan falling within the definition of a medium amount credit contract (MACC), defined as a credit contract provided by a non-deposit taking institution for between $2,000–$5,000 may charge a $400 establishment fee in addition to the statutory interest rate cap of 48%. Payday lenders are still required to comply with Responsible lending obligations applying to all creditors. Unlike other jurisdictions Australian payday lenders providing SACC or MACC products are not required to display their fees as an effective annual interest rate percentage.[citation needed]
Our lending company is extremely cautious concerning clients' privacy. This is why the company treats your data with the utmost confidentiality. The company provides loan lending services that match the clients' requirements. Thus, a solid business relationship with our customers has been established and our company has proven to be efficient and helpful to the borrowers in need of money.
If an emergency arises, you might need a spur-of-the-moment loan. Luckily, Advance Paycheck Online offers same day payday loans. Unlike some other lenders, who advertise instant funding but can't follow through with their promise of speed, Advance Paycheck Online will send the money immediately to your bank account. We won't make you wait for your loan, so why wait to apply? Click here to get the cash you need right now.
We take pride on quickly finding you a lender . You only need to fill out a short form and then wait while we will make everything to find you the cheapest payday loan online.. After your loan is approved, you will be contacted with a lender to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!
Traditional loans might take a month or more, but a LendUp application can be submitted in just five minutes. After you submit the application, you get an instant decision. There are no long wait times and usually no back-and-forth conversations asking for extra documentation. Instead, you put in the application and get a credit decision with no waiting. If you're approved, and If your LendUp loan is submitted before 5 p.m. PT on a weekday, we'll electronically transfer the funds to your bank account within one business day. See our FAQ for details.
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By Gabriel Rock
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A Collection of Songs II by Gabriel Rock
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