How Anxious Are Americans About Their Finances? Very.
Anew poll paints a troubling picture of how anxious Americans are about their finances.
Nearly half of respondents said they didn’t feel “financially stable,” according to the survey from financial services firm Edward Jones and Morning Consult, and 29 percent admitted to having less than $500 in their emergency savings fund.
That’s right, less than $500.
Anyone who’s been to the supermarket lately – the price of a dozen eggs in January was up 70% from the same time last year –can guess one of the main reasons for that low savings rate.
“People have been facing turbulent times,” said Meagan Dow, senior strategist at Edward Jones. “Understandably, inflation is forcing consumers to spend more on necessities, like housing and groceries, while market conditions are startling investors, so savings are falling low on the priority list.”
How to take control when so much seems out of our control? If, like most respondents, you measure “financial wellness” as being free of debt and worries over monthly bills, and having enough money to care for your family, read on for ways to move forward:
Build three to six months’ worth of living expenses in savings to cover emergencies. Keep in mind that even a few hundred dollars can help improve your financial stability, so start small and celebrate your progress.
The specific amount to ultimately target depends on variables like whether your car is on its last leg, or your house is in an area prone to natural disasters. “There’s also your risk of temporary loss of income to consider, especially if you’re a single earner or have job insecurity,” said Dow. “The higher your risks, the more you’ll want to save.”
Save enough for your unique retirement needs. This year the average senior can count on only $21,924 from Social Security, with the maximum benefit for those retiring in 2023 and claiming at age 70 being $54,660. Most people won’t want to solely rely on Social Security for their retirement income.
Which means, if at all possible, you’ll want to be saving money now. At a minimum, you should contribute enough to take full advantage of any employer match for a 401(k) or other employer plan. A match is essentially free money, and generally a 50% or 100% return on your contributions.
Then look to increase your savings over time, ideally at least annually or whenever you get a raise. “Many plans offer a feature to automatically increase your contributions, making it easier than ever to boost your savings,” said Dow.
And if you’re working but don’t have access to an employer plan or have maxed out your contributions? You may be able to save in an IRA. For 2023, you can contribute up to $6,500 if you have taxable compensation, or $7,500 you’re age 50 or older. Although a Roth IRA has income limitations that may prevent you from contributing the full amount, a backdoor Roth strategy allows you to contribute to a Roth IRA even if you exceed those income limitations. A financial advisor can help determine if this strategy makes sense for you.
Pay down debt. Start with high-interest, non-deductible debt. The most common form of this is credit card debt, but any high-interest debt is likely to cost you more in interest than you can expect to earn on your investments. Take a look at the “Minimum Payment Warning” box on your statement to see how paying extra can save you in interest payments, and significantly shorten how long it will take you to pay off your balance.
Then you can focus on paying down other debt, starting with the highest after-tax interest rate. “Target a debt-to-income ratio (DTI) of 35% or lower if you have a mortgage, and 20% or lower if you don’t,” said Dow. To calculate your DTI, divide your monthly debt payments by your gross monthly income.
Interestingly, the survey also found that those who said they used a financial advisor, instead of trying a do-it-yourself approach, were twice as likely to feel confident about their present and future financial situations. A trusted local advisor at Edward Jones can help you create a roadmap to work toward your own financial wellness.
-(NewsUSA)
STATE OF NEW MEXICO
COUNTY OF BERNALILLO
SECOND JUDICIAL DISTRICTCOURT
Probate No. D-202PB-2023-00054
IN THE MATTER OF THE ESTATE OF ANITA MARIA MARTINEZ, DECEASED
NOTICE TO CREDITORS
NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of her Estate. All persons having claims against her Estate are required to present their claims within four months after the date of the first publication of her Notice or the claims will be forever barred. Claims must be presented either to Peter J. Armijo, Attorney for the Personal Representative of the Estate of ANITA MARIA
MARTINEZ, at SWAIM, CARLOW & AMES, P.C., 4830 Juan Tabo, N.E., Suite F, Albuquerque, NM 87111, or filed with the Second Judicial District Court, Bernalillo County Courthouse, Post Office Box 488, Albuquerque, New Mexico 87103-0488.
Dated: January 25, 2023.
/s/ Annette M. Martinez
ANNETTE M. MARTINEZ
Personal Representative
SWAIM, CARLOW & AMES, P.C.
By: /s/ Peter J. Armijo
Peter J. Armijo
Joel P. Ames
Attorneys for the Personal Representative of the Estate of ANITA MARIA MARTINEZ, Deceased
4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111 (505) 237-0064
HCS Pub. March 17, 24, 31, 2023
STATE OF NEW MEXICO
IN THE PROBATE COURT BERNALILLO COUNTY No. 2023-0027
IN THE MATTER OF THE ESTATE OF Veronica Chapman, DECEASED.
NOTICE TO CREDITORS
NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of the estate of the decedent. All persons having claims against the estate of the decedent are required to present their claims within four (4) months after the date of the first publication of any published notice to creditors or sixty (60) days after the date of mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at the address listed below, or filed with the Probate Court of Bernalillo County, New Mexico, located at the following address: 415 Silver Ave. SW, Suite 2C04, Albuquerque, NM, 87102.
Dated: March 14, 2023
/s/ Paula M. Shattuck
Paula Marie Shattuck
5201 La Bajada Rd NW Albuquerque, New Mexico 87105
(505) 553-2688
HCS Pub. March 17, 24, 31, 2023
OTHER
No. S-1-SC-39485
In the Supreme Court of New Mexico
In the matter of L. John Russo, Esq.
NOTICE IS HEREBY GIVEN the undersigned has been appointed
inventorying attorney for the law office of L. John Russo. All persons having interest in this matter may contact: Jane Gagne
Assistant Disciplinary Counsel
2440 Louisiana Blvd. NE, Suite 280 Albuquerque, NM 87110 info@nmdisboard.org
All remaining client files will be maintained for a period of five (5) years from August 17, 2022, at which time the files will be destroyed. HCS Pub. March 3, 10, 17, 2023
NAME CHANGE
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT
No. CV 2023 01152 IN THE MATTER OF THE PETITION OF May Eva Chino
FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN
that May Eva Chino, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
May Eva Chino
Proposed Name Eva May Chino
This Petition will be heard before the Honorable BEATRICE BRICKHOUSE, District Judge, on the 22nd day of March 2023, at the hour of 11:30 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico.
Respectfully submitted, /s/ May Eva Chino
May Eva Chino HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. CV 2023 01225
IN THE MATTER OF THE PETITION OF Santana C. Leyba FOR CHANGE OF NAME OF Reyleana Sarajesah Romero
NOTICE OF PETITION TO CHANGE NAME (OF PERSON UNDER 14 YEARS OF AGE)
NOTICE IS HEREBY GIVEN
that Santana C. Leyba, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name of his/her child in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change the name of his/her child as follows:
Current Name Reyleana Sarajesah Romero
Proposed Name Reyleana Cecilia Leyba
This Petition will be heard before the Honorable BEATRICE BRICKHOUSE, District Judge, on the 22nd day of March 2023, at the hour of 11:30 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico.
Respectfully submitted, /s/ Santana C. Leyba Santana C. Leyba HCS Pub. March 10, 17, 2023
COURT
No. D-202-CV 2023 01534
IN THE MATTER OF THE PETITION OF Alicia Maureen Tierney FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Alicia Maureen Tierney, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Alicia Maureen Tierney
Proposed Name
Lish Lane
This Petition will be heard before the Honorable VICTOR S. LOPEZ, District Judge, on the 12th day of April 2023, at the hour of 11:15 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. Hearing will be held telephonically
Respectfully submitted, /s/ Alicia Maureen Tierney
Alicia Maureen Tierney
HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT
No. CV 2023 00982
IN THE MATTER OF THE PETITION OF Luz Elena Vargas FOR CHANGE OF NAME
Telephonic NOTICE OF PETITION TO CHANGE NAME
(ADULT)
NOTICE IS HEREBY GIVEN that Luz Elena Vargas, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Luz Elena Vargas
Proposed Name
Lucy Helen Vargas
This Petition will be heard before the Honorable JOSHUA
A. ALLISON, District Judge, on the 4th day of April 2023, at the hour of 9:30 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. Please Call:
1-800-747-5150
Access Code:
3334679
Respectfully submitted, /s/ Luz Elena Vargas
Luz Elena Vargas HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO
COUNTY OF BERNALILLO
SECOND JUDICIAL DISTRICT COURT No. D-202-CV 2023 01315
IN THE MATTER OF THE PETITION OF Jennifer Maree Stanley FOR CHANGE OF NAME
Telephonic
NOTICE OF PETITION TO CHANGE NAME
(ADULT)
NOTICE IS HEREBY GIVEN that Jennifer Maree Stanley, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name Jennifer Maree Stanley
Proposed Name
Inness Quinn Stanley
This Petition will be heard before the Honorable JOSHUA A. ALLISON, District Judge, on the 4th day of April 2023, at the hour of 9:30 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico.
Please Call:
1-800-747-5150
Access Code:
3334679
Respectfully submitted, /s/ Jennifer Maree Stanley Jennifer Maree Stanley HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. CV 2023 01368 IN THE MATTER OF THE PETITION OF Elmer Junior Rodriguez FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Elmer Junior Rodriguez, Resident of the City of Cedar Crest, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Elmer Junior Rodriguez
Proposed Name
Elmer James Rodriguez Jr.
This Petition will be heard before the Honorable DANIEL E. RAMCZYK, District Judge, on the 17th day of April 2023, at the hour of 8:50 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. **TELEPHONIC-PARTIES ARE DIRECTED TO CALL
1-800-747-5150 AND ENTER ACCESS CODE 4340781 AT THE TIME OF THE HEARING** Respectfully submitted, /s/ Elmer J. Rodriguez Elmer J. Rodriguez HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. CV 2023 01311 IN THE MATTER OF THE PETITION OF Jolene Florentina Sanchez FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Jolene Florentina Sanchez, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Jolene Florentina Sanchez
Proposed Name
Jolene Florentina Valencia
This Petition will be heard before the Honorable DANIEL
E. RAMCZYK, District Judge, on the 17th day of April 2023, at the hour of 9:10 am, at the Bernalillo County Courthouse, 400 Lomas NW, Albuquerque, New Mexico. **TELEPHONIC-PARTIES ARE DIRECTED TO CALL 1-800-747-5150 AND ENTER ACCESS CODE 4340781 AT THE TIME OF THE HEARING** Respectfully submitted, /s/ Jolene Florentina Sanchez Jolene Florentina Sanchez HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO
COUNTY OF BERNALILLO
SECOND JUDICIAL DISTRICT COURT
No. D-202-CV 2023 00830
IN THE MATTER OF THE PETITION OF William Ralph Stoots
FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that William Ralph Stoots, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
William Ralph Stoots
Proposed Name
Seraphine Celestine Stoots
This Petition will be heard before the Honorable ERIN B. O’CONNELL, District Judge, on the 6th day of April 2023, at the hour of 11:00 am.
This hearing will be held telephonically. Please call 800-747-5150 and enter code 9254116. Please call five minutes before your start time.
Respectfully submitted, /s/ William Ralph Stoots
William Ralph Stoots HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO
COUNTY OF BERNALILLO
SECOND JUDICIAL DISTRICT COURT
No. D-202-CV 2023 00900
IN THE MATTER OF THE PETITION OF Marina Novella Balliet FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Marina Novella Balliet, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Marina Novella Balliet
Proposed Name
Marina Novella Fernandez
This Petition will be heard before the Honorable Elaine P. Lujan, District Judge, on the 30th day of March 2023, at the hour of 1:40 pm. **Please call 800/747-5150 and enter the access code 3650816**
Respectfully submitted, /s/ Marina Novella Balliet
Marina Novella Balliet HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO
COUNTY OF BERNALILLO
SECOND JUDICIAL DISTRICT COURT
No. D-202-CV 2023 00831
IN THE MATTER OF THE PETITION OF Joseph Christian Duarte
FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Joseph Christian Duarte, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name
Joseph Christian Duarte
Proposed Name Zoe Xohm Vallecorsa
This Petition will be heard before the Honorable Elaine P. Lujan, District Judge, on the 30th day of March 2023, at the hour of 1:30 pm.
**Please call 800/747-5150 and enter the access code
3650816**
Respectfully submitted, /s/ Joseph Christian Duarte Joseph Christian Duarte HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO
COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. CV 2023 01404 IN THE MATTER OF THE PETITION OF Jose Alfredo Hinojos FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT)
NOTICE IS HEREBY GIVEN that Jose Alfredo Hinojos, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name Jose Alfredo Hinojos
Proposed Name Alfredo Hinojos
This Petition will be heard before the Honorable Elaine P. Lujan, District Judge, on the 3rd day of April 2023, at the hour of 2:00 pm. **Please call 800/747-5150 and enter the access code 3650816**
Respectfully submitted, /s/ Jose Alfredo Hinojos Jose Alfredo Hinojos HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-CV 2023 01345
IN THE MATTER OF THE PETITION OF Ezekiel Fry Adler FOR CHANGE OF NAME
NOTICE OF PETITION TO CHANGE NAME (ADULT) NOTICE IS HEREBY GIVEN that Ezekiel Fry Adler, Resident of the City of Albuquerque, County of Bernalillo, State of New Mexico has filed a Petition to Change Name in the Second Judicial District Court, Bernalillo County, New Mexico, wherein he/she seeks to change his/her name as follows:
Current Name Ezekiel Fry Adler
Proposed Name Sam Kranz-Hoon Witz
This Petition will be heard before the Honorable NANCY J. FRANCHINI, District Judge, on the day of April 10, 2023, at the hour of 10:00 AM. **To attend the hearing please call 1-800-747-5150 and use access code 40013101.**
Respectfully submitted, /s/ Ezekiel Fry Adler Ezekiel Fry Adler HCS Pub. March 10, 17, 2023
STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT No. D-202-CV-2023-01261
IN RE THE PETITION FOR CHANGE OF NAME FOR A.A.M.
NOTICE OF PETITION TO CHANGE NAME NOTICE IS HEREBY GIVEN
