HCS Week 15

How To Finance Your Startup Business

If you’re wondering how to finance your startup, you’re not alone. Depending on your business, financing it can either be relatively simple, such as drawing on your personal savings, or more complex, perhaps requiring you to seek loans or investors.

Here are some common ways to finance a business, along with pros and cons to keep in mind:

Personally Finance Your Startup

In the digital age, many small businesses can be up and running with little to almost no capital, which can make financing your business with your own money more realistic.

Personally financing your business has some distinct advantages—you retain full control over your company, take on zero debt and have no loan payments to worry about.

On the flip side, you could lose money if the business doesn’t work out.

The bottom line is that if you’re willing to take on personal financial risk, using your own money is one of the most straightforward methods of funding your startup, while maintaining full control.

Ask Friends and Family For Financial Support

Help from friends and family is another common method for financing a business. This could look similar to personal financing or a private loan.

The advantages depend on the terms of the contributions. You might retain full control over your company and not have to take on debt or you may have to relinquish some control and agree to repay what you’ve received plus interest.

Take Out a Bank Loan

Banks and credit unions are another financing option. However, you’re taking on debt and will need to make regular payments on the loan, which can cut into cash flow. On the plus side, financing your business with a loan means that you retain full control of your company.

Be prepared to show a bank a business plan, expense sheets and financial projections, often for the first five years.

Securing a bank loan is a challenging process. A mentor can help you prepare a loan application, so you have the best chance of securing the loan you need.

Bring in an Outside Investor

Bringing in an outside investor is typically not a realistic option for most businesses. The experts at SCORE found that only about 2% of businesses have a business model that would interest investors.

Most often, equity investors require not only a percentage of ownership in the company but an “exit plan”— otherwise known as your plan for how they’ll recoup their investment and see a healthy return.

With an investor, though, you get relatively quick access to capital without periodic loan payments, potential access to business expertise, and connections you might lack.

If your startup requires a significant capital investment, bringing in an outside investor may be a smart option.

Rally Support Through Crowdfunding

Once considered an unconventional way to finance your business, crowdfunding is now a common method for raising startup funds.

The structure of a crowdfunding campaign depends on your platform host. The idea is to encourage small contributions from a large pool of people. Funders receive gifts for their support which usually includes the product or service you sell.

The downside to crowdfunding: it takes a lot of effort and money and failure is very public, unlike with private ventures.

Choosing the Right Financing Option is Key

As you develop your startup, connect with a SCORE mentor. They can guide you toward the right financing options for your needs and lead you on the pathway to success.

KATINA

JUDICIAL DISTRICT COURT No. D-202-DM-2023-03302 Christian Mariell Juarez Ramirez Petitioner, -vsErick Sanchez Estrada Respondent. NOTICE OF PENDENCY OF ACTION

OF NEW MEXICO to the above-named Respondent: You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being, Petition to Establish Parentage, Determine Custody, TimeSharing and Child Support and involving the biological children of the parties, J.E.S.J and B.I.S.J. Unless you enter your appearance in said cause on or before the 6 day of MAY, 2024, a judgment by default will be entered against you. Attorney for Petitioner is Monica Newcomer Miller, PO Box 7040, Albuquerque, NM 87194. WITNESS the Honorable Judge Jane Levy, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this 21 day of MARCH, 2024.

3.

4. If you do not respond in writing, the Court may enter judgement against you as requested in the lawsuit.

5. You are entitled to a jury trial in most types of lawsuits. To ask for a jury trial, you must request one in writing and pa a jury fee.

6. If you need an interpreter, you must ask for one in writing.

7. You may wish to consult a lawyer. You may contact the State Bar of New Mexico for help finding a lawyer at www.nmbar.org; 1-800876-6227; or 1-505-797-6066. Dated at Albuquerque, New Mexico, on this 11th day of March, 2024

Greetings: You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being: Motion to re-open Divorce & Finalize, Child Support Beneficiery Unless you enter your appearance in said cause on or before the 22 day of April, 2024, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney: Rikki McRoberts 10600 Cibola Loop N.W. Apt. 1331 Albuquerque, NM. 87114

WITNESS

Marissa Felly

MARTIN ELIAS JUAREZ, Petitioner, -vs-

MARIA GUADALUPE

MONTIEL GUERRERO, Respondent.

NOTICE OF PENDENCY OF ACTION

YOU ARE HEREBY NOTIFIED that a Petitioner to Determine Custody has been filed against you in the above-named court and county in the State of New Mexico. In the Petition, the Petitioner alleges that you have neglected MJEM (initials of child), a child, and seeks sole legal and physical custody of the child. If you do not file a response to the Petition, the Court may grant the relief sought without further notice to you.

YOU ARE FURTHER NOTIFIED that this matter will be heard in the District Court in Bernalillo County, New Mexico, no sooner than twenty (20) days after the last publication date of this notice.

Philip J. Montoya

Attorney for Petitioner

1122 Central Avenue, SW, Suite 3 Albuquerque, NM 87102

Tel: (505) 244-1152

Fax: (505) 717-1494 pmontoya@swcp.com

HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

No. D-202-DM-2024-00503

JESSICA WILLIAMS, Petitioner(s)

IN THE MATTER OF THE KINSHIP GUARDIANSHIP OF J.B. & D.B, Children, and concerning Matthew Baldwin; Ashley Klum, Respondents.

NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to Matthew Baldwin, Respondent. Greetings:

You are hereby notified that Jessica Williams, Petitioner(s), filed a Petition of Appoint Kinship Guardian(s) for Jovena Baldwin against you in the above entitled Court and cause.

Unless you enter your appearance and written response in said cause on or before May 13, 2024 (date), a judgment by default will be entered against you.

Name and Address of Petitioner or Petitioner’s Attorney:

WITNESS the Honorable Jane C. Levy, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, on this the 1st day of April, 2024.

NO: D-202-DM-2021-02163

LAUREN UTTARO (F/K/A MEDINA), Petitioner, v. ARMANDO MEDINA, Respondent.

NOTICE OF PENDENCY OF ACTION

A Verified Emergency Motion For Supervised Visitation And Supervised Exchanges And For Court Clinic Referral was filed by Lauren Uttaro, fka Medina. This Publication seeks to give notice of these proceedings to Respondent Armando Medina. Said Respondent is to contact Tamara Couture, Esq., at 1107 Kent Ave. NW, Albuquerque, NM 87107; 505-266-0125; Tamara@couturelaw.com. Failure to file a response may result in a default judgment against said Respondent. HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

No. D-202-DM 2024-00797

Kathleen Coombs Spencer, Petitioner(s)

IN THE MATTER OF THE KINSHIP GUARDIANSHIP OF IKR and AMR, Child(ren), and concerning Eva Danielle Hall-Coombs and Anthony Rose Sr, Respondent(s).

EX PARTE ORDER APPOINTING

TEMPORARY KINSHIP GUARDIAN(S) AND NOTICE OF HEARING THIS MATTER, coming before the court ex parte on March 22, 2024 on Petitioner(s) Ex Parte Motion to Appoint Temporary Kinship Guardian for the minor child(ren), and the court being sufficiently advised, FINDS:

1. Section 40 10B 7 NMSA 1978 of the Kinship Guardianship Act allows this court to appoint a temporary guardian ex parte on good cause shown, to serve for one hundred and eighty (180) days.

2. A petition to appoint kinship guardian has been filed regarding the following children:

Child’s name Birth year Age

Ivy Kathleen Rose 2011 12

Anthony Michael Rose Jr. 2009

14 3. Based on the Motion, there is good cause for the ex parte appointment of a temporary guardian.

4. If a party files an objection to this Order and submits a copy to the assigned judge with a request for hearing, the court shall schedule a hearing to be held within ten (10) days of the date the objection is filed, as provided in Section 40-10B-7(C) NMSA 1978.

WHEREFORE IT IS ORDERED:

1. Petitioner(s) is/ are appointed as the temporary guardian(s) of the following children:

Child’s name Birth year Age

Ivy Kathleen Rose 2011 12

Anthony Michael Rose Jr. 2009

14

2. The appointment of temporary kinship guardian(s) shall expire in one hundred and eighty (180) days from the date of the filing of this

order or further order of this court, whichever occurs first.

3. The guardian(s) has/ have the legal rights and duties of a parent except the right to consent to the adoption of the child(ren), as provided in Section 40 10B 13(A) NMSA 1978.

4. The parental rights and duties of Eva Danielle HallCoombs and Anthony Rose Sr pertaining to the child(ren) are hereby temporarily suspended.

5. Visitation between the legal parents and the minor child(ren), or any other persons, shall be at the discretion of the guardian(s), as provided in Section40 10B 13(B) NMSA 1978.

6. Petitioner shall immediately have the Petition to Appoint Kinship Guardian(s), this Ex Parte Order Appointing Temporary Kinship Guardian(s), and a copy of the summons personally served on each of the named Respondents.

7. Other orders:

8. A hearing on the Petition to Appoint Kinship Guardian is set for September 6, 2024 at 8:30 a.m. All parties and counsel shall appear IN PERSON in front of Judge

Debra Ramirez in Courtroom #280 at the Second Judicial District Court, 400 Lomas Blvd. NW, Albuquerque, New Mexico. /s/ Debra Ramirez District Court Judge 3/22/24

HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

NO. D-202-DM-2024-00131

Paul Santillanes Valerie Gallegos Petitioner, vs. Kameran Santillanes Respondent, NOTICE OF PENDENCY OF ACTION

STATE OF NEW MEXICO to the above-named Respondent(s). Greetings: You are hereby notified that the above-named Petitioner has filed a civil action against you in the above entitled Court and cause, the general object thereof being: Kinship Guardianship

Unless you enter your appearance in said cause on or before the 22 day of May 2024, a judgment by default will be entered against you.

Name and address of Petitioner or Petitioner’s Attorney: 385 Buffalo Circle SE ALB. N.M. 87123

WITNESS the Honorable JANE

C. LEVY, District Judge of the Second Judicial District Court of the State of New Mexico, and the seal of the District Court of Bernalillo County, this 1st day of April 2024.

KATINA WATSON CLERK OF THE DISTRICT COURT By: /s/ Edna Kasuse Deputy Clerk HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No.: D-202-DM-2023-3389

ZAYRA EGLAET

A Petition for Adoption has been filed in the above-captioned and numbered cause in the Thirteenth Judicial District Court, Children’s Court Division, 1500 Idalia Rd, Bernaillo, NM 87004. The minor child who is the subject of said petition is Mathieu Silver Romero, born December 8, 2017 to Shelby Romero and Michael Romero in Albuquerque, New Mexico.

If you intend to contest the adoption you shall respond to the Petition within twenty (20) days from the date of service.

FAILURE TO RESPOND SHALL BE TREATED AS A DEFAULT AND YOUR CONSENT TO THE ADOPTION SHALL NOT BE REQUIRED.

BY: /s/ Cathy and Freddie Romero . DEPUTY HCS Pub. April 5, 12, 19, 2024 STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT IN THE CHILDREN’S COURT No. D-202-SA-2024-018 IN THE MATTER OF THE ADOPTION PETITION OF TONYA AND JONATHAN SANDOVAL. NOTICE OF PETITION FOR ADOPTION TO: LEAH PEREA

A Petition for Adoption has been filed in the above-captioned and numbered cause in the Second Judicial District Court, Children’s Court Division, 5100 2nd St NW, Room 173, Albuquerque, NM 87107. The minor child who is the subject of said petition is Max Ray Sandoval, formerly known as Adrian Maximo Perea, born March 27, 2023 to Leah Perea in Albuquerque, New Mexico.

If you intend to

LEGAL NOTICES

)

) NOTICE TO

NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice if this Notice is given by publication as provided in Subsection A of Section 45-3-801 NMSA 1978, or within sixty (60) days after the mailing or delivery of this Notice for creditors who are given actual notice as provided by Subsection B of Section 45-3-801 NMSA 1978, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at 320 Osuna Rd NE. Unit G-1, Albuquerque, NM 87107, or filed with the Bernalillo County District Court.

DATED: March 4, 2024

/s/ Mary Frances Dorman

Mary Frances Dorman 7811 Academy Trail NE Albuquerque NM 87109

Strategic Legal and Wealth Advisory Group LLC

By: /s/ Sara M. BonneII

Sara M. BonneII

Attorney for Personal Representative 320 Osuna Road NE, Unit G-1 Albuquerque, New Mexico 87107 (505) 328-8143

HCS Pub. March 29, April 5, 12, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2024-00129

IN THE MATTER OF THE ) ESTATE ) OF PETER WILLIAM ROUPAS, deceased ) NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four months after the date of the first publication of this Notice if this Notice is given by publication as provided in Subsection A of Section 45-3-801 NMSA 1978, or within sixty (60) days after the mailing or delivery of this Notice for creditors who are given actual notice as provided by Subsection B of Section 45-3-801 NMSA 1978, whichever is later, or the claims will be forever barred. Claims must be presented either to the undersigned personal representative at P.O. Box 91658, Albuquerque, NM 87199, or filed with the Bernalillo County District Court. DATED: February 27, 2024

/s/ Amy Atkins

Amy Atkins, Applicant 1610 Los Alamos St SW Albuquerque, NM 87104 (505) 453-2612

ROYBAL-MACK

)

) NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned BILLIE JO DENNIS has been appointed Personal Representative of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the Personal Representative

c/o The Law Offices of Dana M. Kyle, P.O. Box 2277, Las Cruces, New Mexico 88004, or filed with the Third Judicial

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 counsel for the personal representative, Thomas Smidt III, Smidt, Reist & Keleher, P.C., 4811-A Hardware Drive NE, Suite 4, Albuquerque, New Mexico 87109, or filed with the Second Judicial District Court for Bernalillo County, New Mexico, located at the following address: 400 Lomas Blvd NW, Albuquerque, NM 87102. Dated: March 12, 2024. SMIDT, REIST & KELEHER, P.C. By /s/ Thomas Smidt III Thomas Smidt III Attorney

Pregenzer Baysinger Wideman & Sale, PC, 2424 Louisiana Boulevard NE, Suite 200, Albuquerque, New Mexico 87110, or filed with the Bernalillo County Probate Court, Bernalillo County, 415 Silver Ave SW, 2nd Floor, Albuquerque, NM 87102.

Dated: March 27, 2024.

/s/ John Roney JOHN RONEY 206 Tornasol Lane NE Albuquerque, NM 87113 (505) 628-3783

Personal Representative PREGENZER BAYSINGER WIDEMAN & SALE, PC

By: /s/ Erin E. Wideman Erin E. Wideman 2424 Louisiana Blvd NE, Suite 200 Albuquerque, New Mexico 87110 Phone: (505) 872-0505 Fax: (505) 872-1009 ewideman@pbwslaw.com

Attorneys for Personal Representative HCS Pub. April 5, 12, 19, 2024

Attorney for Judy G. Dantis

P.O. Box 56725 Albuquerque, NM 87187 (505) 453-1040

Samherbert@netscape.com

HCS Pub. April 5, 12, 19, 2024

STEIRO, 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.

Dated: April 1, 2024

/s/ Dominique Cartron

DOMINIQUE CARTRON

Personal Representative

SWAIM, CARLOW & AMES, P.C. By: /s/ Kathleen Carlow

KATHLEEN CARLOW

Attorneys for the Personal Representative of the Estate of CAROL MARY STEIRO, Deceased 4830 Juan Tabo, N.E., Suite F Albuquerque, NM 87111 505-237-0064

HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT COURT

Case No. D-202PB-2023-00635

IN THE MATTER OF THE ESTATE OF Judy A. Johnson, Deceased.

NOTICE TO CREDITORS

OF THE ESTATE OF KATHLEEN S. PORTER, DECEASED. NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that the undersigned have been appointed Co Personal Representatives of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned

NOTICE IS HEREBY GIVEN

that the undersigned has been appointed Personal Representative of this estate.

All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this notice, or the claims will be forever barred. Claims must be either be presented to Personal Representative, or filed with the Second Judicial District Court located at 400 Lomas Blvd. NW, Albuquerque, NM, 87102.

Dated not later than: August 2nd 2024 Dawn M. Johnson Personal Representative Prepared by: Dawn M. Johnson 10721 Prospect Ave NE Albuquerque, NM 87112

HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO IN THE PROBATE COURT No. 2024-0346

IN THE MATTER OF THE ESTATE OF JOHN P. DANTIS, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN

that the undersigned has been appointed Personal Representative for this Estate. All persons having claims against this Estate are required to present their claims within four months after the date of the first publication of this Notice or the claims will be forever barred. Claims must be presented either to the undersigned Personal Representative at the address shown below or with the undersigned attorney at the address shown below.

DATED: March 30, 2024

/s/ Judy G. Dantis

Judy G. Dantis

Personal Representative of the Estate of John P. Dantis, Deceased 7817 Morris Ripple Place NE Albuquerque, NM 87122

/s/ Sam A. Herbert,

STATE OF NEW MEXICO COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

Case No. D-202PB-2023-00369

In the Matter of the Estate of SONNY JAMES VIRGILPENIX, Deceased.

David Nigro has been appointed Personal Representative of the Estate of Sonny James Virgil Penix, deceased. All persons having claims against the Estate are required to present their claims within two (2} months after the first publication of this Notice, or the claims will be forever barred. Claims must be presented either to the Bernalillo County Clerk at 400 Lomas Boulevard NW, Albuquerque, New Mexico, 87102, or to David Nigro, Personal Representative, 1580 Peach Court, Brighton, Colorado, 80601.

Dated: 3/21/2024

/s/ David Nigro

David Nigro

HCS Pub. April 5, 12, 19, 2024

STATE OF NEW MEXICO

COUNTY OF BERNALILLO

SECOND JUDICIAL DISTRICT

No. D-202-PB-2024-00229

IN THE MATTER OF THE ESTATE OF LAWRENCE S. NUNEZ, DECEASED. NOTICE TO CREDITORS BY PUBLICATION

GREG PEREA has been appointed as the personal representative of the estate of LAWRENCE S. NUNEZ, deceased. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this Notice or the claims will be forever barred. Claims must

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that MARGARET I. DAVIDSON has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within four (4) months after the date of the first publication of this notice or within sixty (60) days after mailing or other delivery of this notice, whichever is later, or the claims will be forever barred. Claims must be presented either to: 1) the undersigned personal representative at her attorney’s address as listed below; or 2) filed with the Second Judicial District Court at the following address: 400 Lomas Blvd NW, Albuquerque, New Mexico 87102. DATED: April 2, 2024

Respectfully submitted, HURLEY TOEVS STYLES HAMBLIN & PANTER PA

By Electronically signed /s/ Thomas H. Toevs

or P.O. Box 488, Albuquerque, New Mexico 87103.

/s/ Greg Perea

GREG PEREA, Personal Representative the estate of LAWRENCE S. NUNEZ, deceased. 3500 Comanche Road NE, Building B Albuquerque, NM 87107

Respectfully Submitted

Thomas H. Toevs, Esq. Attorneys for Personal Representative PO Box 31670 Albuquerque, NM 87109 (505) 888-1188

HCS Pub. April 12, 19, 26, 2024

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT

Case No. D-202PB-2024-00145

IN THE MATTER OF THE ESTATE OF GENE FLAVIO DURAN, Deceased.

NOTICE OF PUBLICATION FOR FORMAL PROBATE, DETERMINATION OF HEIRSHIP AND APPONTMENT OF PERSONAL

that a Joint Petition for Adoption by Stepparent

filed against you and that you are required to serve a copy of your written defenses, if any, to it on Laurel C. Ackley, Esq., whose address is 2236 Ashley Oaks Circle, Ste. 102, Wesley Chapel FL 33544, on or before April 24, 2024, and file the original with the clerk of this Court at Hillsborough County Courthouse, 800 E. Twiggs St. Tampa Florida 33602 before service on Petitioners or immediately thereafter. There will be a hearing on the petition to terminate parental rights pending adoption on April 25, 2024 at 10;15 a.m. via zoom.

Passcode: 359650

LEGAL NOTICES

STORAGE AUCTIONS

Notice of Public Auction.

Mexico, 87109 to satisfy a lien on 5/1/2024 at approx. 3:30 pm at www.storagetreasures.com

Angela Scarbrough, 212 Hassler Mill rd, Harriman, TN 37748; Amber Hodges, 2229B muniz rd, Albuquerque , NM 87105; Adrianna Ortiz, 6631 Arno st NE, Albuquerque, NM 87107. HCS Pub. April 12, 19, 2024

In accordance with and pursuant to the New Mexico SelfStorage Lien Act (48-11-1 to 48-11-9), Ladera Self Storage located at 2100 Ladera Dr. NW, Albuquerque, NM 87120, will be selling the contents within the following Unit(s) to satisfy the Owner(s) Lien. Personal property described and belonging to the following individual will be advertised for bidding: 10x10, unit #212, Jeffrey Lisowski, 8319 Wineview Ct. NW, Albuquerque NM, 87120 Items: Clothing, Christmas decorations, automotive items, work equipment, tool bags, apparel, plastic containers, bicycle, vacuum, TV, speakers, Misc. house hold items. HCS Pub. April 5, 12, 2024

NOTICE OF PUBLIC SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart Asset Management, LLC as Agent for Owner 4100 Central Ave. SE, Albuquerque, NM 87108 to satisfy a lien on May 1, 2024, at approx. 2:30PM at www.storagetreasures.com:

Junior Tafoya 760 Juan Tabo BVLD NE Apt B21, Albuquerque, NM 87123

Jordan C Brown 400 maple street SE, Apt 211, Albuquerque, NM 87106

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 306 Menaul Blvd NE to satisfy a lien on 05/01/24 at approx. 3PM at www.storagetreasures.com:

Meeting ID: 854 1032 7860

Meeting Link: https://fljud13-org.zoom.us/j/854 10327860?pwd=cDIzRkFFZDR 6bU53QVJvUTRNelZzUT09

If you fail to do so, a default may be entered against you for the relief demanded in the petition. UNDER SECTION 63.089, FLORIDA STATUES FAILURE TO TIMELY FILE A WRITTEN RESPONSE TO THIS NOTICE AND THE PETITION WITH THE COURT AND TO APPEAR AT THIS HEARING CONSTITUTES GROUNDS UPON WHICH

Maria Rodriquez, 1120 Los

Tomases Dr NW Apt B, Albuquerque, NM 87102;

Montoya Onesimo, 329 Cutler Ave. NE,Albuquerque, NM 87102;

Michelle Castillo, 10501 Baldwin NE, Albuquerque, NM 87112;

Michelle Griego, 11 Cielo Lindo, Santa Fe, NM 87507;

Steven Chavez, 1907

Buena Vista DR SE trlr 141, Albuquerque , NM 87106;

Don Abramson, 18926 Haas Ave, Torrance, CA 90504;

John Lujan, 2300 Monterrey Rd NE, Albuquerque, NM 87144;

Moon vanmeveren, 3606

2nd st. NW, Trlr. 34, Albuquerque, NM 87107;

Patrick Strange, PO Box 3731, Albuquerque, NM 87106;

Naomi Corbine, PO box 1163, bernalillo, NM 87004;

Diane Esquivel, 1121 6th St NW, Albuquerque, NM 87102;

Charles Caldwell, 3802 2nd St NW, APT 2, Albuquerque, NM 87107;

Erin Lomeli, 704 1/2 Locust Street, Wanego, KS 66547;

Elijah Benally, 2600 Americare Ct. NW, 1102, Albuquerque , NM 87120, PO Box 324, Tijeras, NM 87112 , Tijeras, NM 87112; Jeannette Jojola, 2904

Los Anayas Rd NW, Albuquerque, NM 87104;

Jose Claus, 2309 Candelaria Rd NW, Albuquerque, NM 87107;

Riquez Desiderio, 5401

Alice Ave NE apt B, Albuquerque, NM 87110;

Jose Claus, 2309 Candelaria RD NW, Albuquerque, NM 87107;

Jose Claus, 2309 Candelaria Rd NW, Albuquerque, NM 87107;

Tayler Elukak, 40 Inspiration Dr, Los Lunas, NM 87031;

Robert Davis, 300 Menaul Blvd NW, Ste A PMB 443, Albuquerque, NM 87107

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE:

Self-storage

SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart Management, LLC at 7440 Central Ave SE Albuquerque, NM 87108 to satisfy a lien on May 1st, 2024 at approx. 12PM at www.storagetreasures.com:

Olivia A Cruz, PO Box 8091, Albuquerque, NM 87198

Jacqueline Little, 10600 Central Ave SE apt 416, Albuquerque, NM 87123

Sergio Valverde, 5700 Copper NE, A7, Albuquerque, NM 87104

Dominic Toledo, 225 Pennsylvania NE Apt D, Albuquerque, NM 87108

Nicholas Duran, 7600 central Ave se, 18, Albuquerque , NM 87108

Preston L Martinez, PO Box 221 , Springer, NM 87747 HCS Pub. April 12, 19, 2024

Owner(s) reserve the right to ask for a minimum bid. CASH ONLY

NOTICE OF PUBLIC SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart Management, LLC a 11801 Montgomery Blvd NE, Albuquerque, NM 87111 to satisfy a lien on May 1, 2024 at approx. 11:30 AM at www.storagetreasures.com:

Monica Munoz, 3711 Inca St NE

Apt B, Albuquerque, NM 87111

Eliya Alexander, 1108 Maciel Dr NW, Albuquerque, NM 87104

Miguel Robledo Jr, 6350

Eubank Blvd, Unit 714, Albuquerque, NM 87111

Daniel Altmeyer, 5801

Lowell St NE Apt 18C, Albluquerque, NM 87111

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart LLC 2001 Girard Blvd SE, Albuquerque, NM 87106 to satisfy a lien on May 1st, 2024, at approx. 11am at www.storagetreasures.com

Mackenzie Greer 7220

Central Ave SE , Apt 1021, Albuquerque , NM 87108

India Barnett 1308 N First st, Grants , NM 87020

Darice D Tindell 3713 South

Walden Way, Aurora, CO 80013

Darice D Tindell 3713 S.

Walden Way, Aurora, CO 80013

Ocie Garcia 6030 Noble Drive NE, Albuquerque, NM 87107

Carmen Sanchez 245 Smith SE , Albuquerque, NM 87102

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE:

Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by

CubeSmart Asset Management, LLC as Agent for Owner 11777

Sunset Gardens Rd SW, Albuquerque, New Mexico 87121 to satisfy a lien on May 1st, 2024 at approx. 2:00 PM at www.storagetreasures.com

Vivien Sadlo; 18 Michelle Ct, Edgewood, NM 87015

Nashaun Thompson; 1106 Santa Anita Dr, Belen, NM 87002

Dean Reano; PO Box 383, San Fidel, NM 87049

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart 306 Menaul Blvd NE to satisfy a lien on 05/01/24 at approx. 3PM at www.storagetreasures.com:

Christopher Martinez, PObox1415, Pena Blanca, NM 87041; Ubaldo Vargas, 3732 4th Street NW, Albuquerque, NM 87107

HCS Pub. April 12, 19, 2024

NOTICE OF PUBLIC SALE: Self-storage Cube contents of the following customers containing household and other goods will be sold for cash by CubeSmart Asset Management, LLC as Agent for Owner 4821 Central Ave Nw, Albuquerque, New Mexico 87105 to satisfy a lien on May 1st, 2024 at approx. 1:00 PM at www.storagetreasures.com

Lisa Acosta; 729 Towner Ave NW, Albuquerque, NM 87102; 7729 Sandlewood dr nw, Albuquerque, NM 87120

Bernadette Barela;12027

Golden Gate Ave, Albuquerque, NM 87111

Frank Francia;155 La Media Rd SW, Albuquerque, NM 87105

Nayesia Tsiose;4512 Lafayette, Albuquerque, NM 87107

Isela Morales;126 55th St Sw, Albuquerque, NM 87121

Taylor Dyer-Paz;1808

Indian School Rd NW, Albuquerque, NM 87104

Linda Garcia;1721 Religions Dr SW, Albuquerque, NM 87105;1721 Deluvina Dr SW, Albuquerque, NM 87105

Isabel Lucero;521 Indiana. SE

Apt B, Albuquerque, NM 87108

Iris Zarate;321 46th St Nw, Albuquerque, NM 87105

Cory Richey;2503 Caguawood SW DR, Albuquerque, NM 87110

Valeria Garcia;205 60th St Nw

Apt A, Albuquerque, NM 87105

Valeria Garcia;205 60th St Nw

Apt A, Albuquerque, NM 87105

Julian Gonzales;3250

Cypress, Albuq, NM 87105

Savannah Sais;2600 New York

Ave Nw, Albuquerque, NM 87104

David Robertson;4226 Eubank Blvd NE, Albuquerque, NM 87111

Juana Salas;821 Dolores Dr Nw, Albuquerque, NM 87105;4501 Central Ave NW, Apt B-2, buquerque, NM 87105

Juana Salas;821 Dolores Dr Nw, Albuquerque, NM 87105;4501 Central Ave NW,

Apt B-2, buquerque, NM 87105

Jerri Ochoa;318 Abajo Rd. SE, Albuquerque, NM 87102

HCS Pub. April 12, 19, 2024

Boiler Rooms—An Old Stock Scam Gets A Technology Makeover

While tactics may have changed, “boiler room” operations are still used to pitch dubious investment schemes, according to the experts at the Financial Industry Regulatory Authority (FINRA). Typically run as outbound call centers, boiler rooms target retail investors with highly speculative—often fraudulent—investments. In addition to phone calls, today’s boiler rooms also rely on messaging apps and social media to contact potential investors.

Regardless of the method of contact, the scammer’s goal is the same: Use high-pressure tactics and persuasive language to convince investors to purchase specific investments that will ultimately enrich the scammer.

Red Flags of a Boiler Room Scam

The Unsolicited Pitch. If you’ve previously shown interest in higher-risk investments or been victimized by a scam, the promoter might have found your name on a lead list (sometimes called a “mooch list”). Ask yourself, why would they share this opportunity with you rather than keep it to themselves?

The Hard Sell. Scammers often try to pressure investors into buying shares on “can’t miss” opportunities, painting a picture of wealth from an investment and claiming time (or product) is scarce. Be aware that boiler rooms frequently pitch speculative investments for which limited information is available.

The Unlicensed Promoter. Callers might claim to work for organizations that offer stock recommendations. However, the organizations often aren’t registered with FINRA, associated with any FINRA-registered firm, or involved with any legitimate business entity. Callers might use fake names and credentials, disguise their phone number, or create a new website to appear more credible.

The Pump and Dump. Fraudsters sometimes engage in manipulative trading to create the illusion that the stock is on an upward trend and starting to gain traction. This could be a sign of a “pump-and-dump” scheme.

How Can You Protect Yourself?

1.Decide now to decide later. Even if the claims sound plausible, don’t say “yes” to an aggressive cold caller or social media promoter, particularly if the recommended stocks are very low priced. Learn to recognize the tactics fraudsters use, and don’t feel guilty about hanging up.

2.Check with regulators and other third parties. Use FINRA BrokerCheck to verify whether a firm and individual are registered to sell securities or give investment advice. Double-check the validity of information about the organization or individual. Also check an investment’s public disclosure information using the SEC’s EDGAR filings.

3.Research the promoter. Fraudsters constantly change the names of their outfits and set up new websites. Search domain registration databases to see how recently the website was created and by whom, and search the promoter’s name along with terms such as “complaints” or “scam.”

4.Don’t give second chances. If you haven’t invested, scammers will keep pressuring you. If you have invested, they’ll try to convince you to invest more.

5.Remain vigilant. Think twice before paying for stock picks from nonregistered or unlicensed individuals—or relying on tips from social channels, subscription services, or newsletters. And be on the lookout for multiple scam attempts in close proximity to one another.

If you’re suspicious about someone giving you unsolicited investment advice or promoting a particular investment, report your concerns to FINRA, the SEC, and your state securities regulator.

For further information on protecting your money or to file a tip or complaint, visit www.FINRA.org/LearnMore.

COMMENTARY

Stroke & Dementia in Black Men: Tips for Staying Healthy During National Minority Health Month and Beyond

With nearly 800,000 Americans having a stroke each year, it remains a leading cause of death and longterm disability. Making matters worse for many Black/African American men is that they are at higher risk for high blood pressure and strokes, according to medical experts. For many health conditions, racial and ethnic minority communities are impacted at disproportionate rates. April is National Minority Health Month, a good time to raise awareness about the importance of improving the health of minority communities and reducing health disparities. During this month, the National Institute of Neurological Disorders and Stroke (NINDS) is raising awareness of this important topic and sharing tips to help manage the risk of stroke.

Over time, uncontrolled high blood pressure can damage blood vessels and lead to a stroke. High blood pressure can also lead to other damage in the brain that has been associated with dementia. The good news is people can take steps now to get—or keep—their blood pressure numbers in a healthy range to help prevent stroke and dementia later in life.

Stroke Prevention Tips for Black Men

• Know your blood pressure numbers. Blood pressure is measured using two numbers. The first number, your systolic blood pressure, measures the pressure in your arteries when your heart beats. The second number, your diastolic blood pressure, measures the pressure in your arteries when your heart rests between beats. If the measurement reads 120 systolic and 80 diastolic, you would say, “120 over 80,” or write, “120/80 mm Hg.”

• Normal Blood Pressure for Most Adults

Less than 120/80 mm Hg

• High Blood Pressure

130 or higher/80 or higher mm Hg

• Stay informed. Discuss high blood pressure with your healthcare provider. Talk to your healthcare provider about your risks and ways to manage your blood pressure to help prevent stroke and dementia.

• Take your medications. Your healthcare provider may recommend taking medicine daily to prevent stroke and heart attack, especially if you have high blood pressure.

• Quit smoking or using tobacco. Smoking harms nearly every organ in the body, including the heart. Any amount of smoking damages the heart and blood vessels.

• Manage your cholesterol levels. Reducing your cholesterol will lower your risk of developing a wide variety of serious health issues, including

stroke and heart disease.

• Eat healthy foods and exercise. Choose plenty of fresh fruits and vegetables. Get about 30 minutes of moderate to intense exercise, such as brisk walking or bicycling, every day. Following a healthy eating plan and keeping physically active will significantly lower your risk for heart disease, high blood pressure, and other chronic and debilitating health problems.

• Manage your diabetes. Having diabetes or pre-diabetes puts you at increased risk or stroke and heart disease. You can lower your risk by keeping your blood glucose (also called blood sugar), blood pressure, and blood cholesterol close to the recommended target numbers provided by your healthcare provider.

• Get enough sleep. Getting a good night’s sleep is important for good heart and brain health. Adults should aim for an average of 7 to 9 hours, and babies and kids need more depending on their age.

• Start early. Preventing stroke and heart disease is more effective if started in midlife. Studies also find that controlling blood pressure may reduce the risk of dementia.

These simple and effective lifestyle changes can reduce your chance of all types of stroke, heart disease, and dementia later in life. Taking charge of your health now can help avoid unnecessary risks and keep blood pressure under control.

For more tips and information, visit the NINDS Mind Your Risks® website at mindyourrisks.nih.gov.

Clear the Air of Indoor Pollutants This Spring

In the Spring, people often focus on the outdoors when it comes to air quality. But indoor air quality (IAQ) is also a crucial aspect of overall health and wellbeing. Unbeknownst to many, common pollutants can lurk inside homes, affecting health in subtle yet significant ways. Here are some of the most prevalent indoor pollutants and strategies you can use to identify and mitigate their impact on your home’s air quality:

Dust: The Silent Intruder

Dust is a well-known indoor pollutant that includes dead skin cells, pollen, textile fibers, and other debris. Dust can aggravate respiratory conditions such as asthma and allergies. Regular dusting and vacuuming, along with using HEPA filters, can significantly reduce dust levels in the home.

PRO TIP: If you find yourself having to dust more often, you may want to consider air duct cleaning.

Mold: The Unseen Threat

Mold exposure can trigger allergic reactions and respiratory problems. Regularly clean and inspect susceptible areas in your home.

PRO TIP: Maintain proper ventilation, control moisture levels, and promptly address any water leaks or damage.

Pet Dander: Furry Friends, Hidden Hazards

Pets are beloved family members, but their dander and fur can exacerbate respiratory issues as they circulate through your home via your HVAC system. To minimize pet-related pollutants, bathe and groom pets regularly and keep them out of bedrooms.

PRO TIP: Pet owners should change HVAC filters once a month.

Volatile Organic Compounds (VOCs): The Invisible Culprits

VOCs are chemicals emitted as gases from common household products. To reduce VOC levels in your home, opt for low-VOC or VOC-free products. Proper ventilation is also crucial for minimizing the effects of VOC emissions.

PRO TIP: Incorporating indoor plants can help absorb VOCs.

Maintaining healthy indoor air quality requires vigilance and proactive measures to identify and mitigate pollutants. For a fresh start, schedule an inspection of your HVAC system. Find a qualified professional near you at NADCA.com.

For more information visit www.NADCA.com/Homeowners and follow @ Breathing_Clean on Instagram, Facebook, and TikTok.

-(NAPSI)