Hcsn 5 86 5

Established in 1929

Health City Sun

The

www.healthcitysun.com

New Mexico’s Legal & Financial Weekly

January 30, 2015

Vol. 5.86 No. 5

FORECLOSURE SALES: 3

PROBATE: 14

NOTICE OF SUITS: 6

OTHER: 13

Program Provides Free Access To Tax Prep Software T

AUCTIONS: 9

SPANISH NOTICES: 0

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Called the IRS Free File program, it’s designed to make tax time easier by walking taxpayers who qualify through the filing process online and ensuring that they capture all the credits and deductions they deserve. To take advantage of the program, taxpayers must have an adjusted gross income of $60,000 or less.

dustry Association (CCIA), said that the Free File program is a great example of the power of technology to improve the lives of all Americans. Black added that CCIA is proud to support Free File and will be working this year to help ensure all eligible taxpayers are aware of this “important program.”

By using the program, eligible taxpayers can easily and accurately complete their federal tax return with trusted name-brand tax preparation software products.

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Ed Black, president and CEO of the Computer & Communications In-

-(NAPSI)

Taking Steps to Reduce Very High Triglycerides

I

f we can take walking meetings as an alternative to sitting in a stuffy conference room, what if we could take a walk with our doctor— getting the benefits of 30 minutes of exercise which research has shown can help maintain body weight, lower the risk of obesity, enhance mental well-being and reduce the risk of certain diseases, all while learning about our condition?

will serve as a complement to that program.

Dr. David Sabgir, cardiologist and founder of Walk with a Doc, stated, “Exercise is an important first step in lowering very high triglycerides. We feel the work Amarin has been doing with the Lower My Trigs program serves as an important educational component to our program. Through partnerships such as this, Amarin can help improve the overall health of local communities.”

This is the idea behind Walk with a Doc, a free participation, year-round walking program held in communities across the United States.

The organization is dedicated to encouraging physical activity with the goal of reversing the consequences of a sedentary lifestyle and improving health and well-being.

Physical activity is even more important for people with high levels of fat in their blood, such as very high triglycerides (VHTGs) (> 500 mg/dL), a problem faced by up to four million Americans. VHTGs can be caused by poor diet and inactivity but they can also be inherited.

If triglyceride levels are too high, improvements to diet and exercise, as well as proper treatment, can be important to getting levels under control.

With that in mind, biopharmaceutical company Amarin launched the Lower My Trigs campaign, a national initiative aimed at raising awareness around very high triglycerides, and the Walk with a Doc partnership

“We are delighted to work with the Walk with a Doc organization,” said John Thero, President and CEO of Amarin. “Improving patient health is a cornerstone of our mission. It is our hope to increase awareness of risks of very high triglycerides and the importance of appropriate treatment, beginning with leading a healthy lifestyle.”

With more than 150 walk chapters across the country, WWAD hosts more than 2,400 walking events each year.

To find upcoming walks nearby, visit www.walkwithadoc.org. You can learn more about the Lower My Trigs campaign at www.lowermytrigs. com.

-(NAPSI)

Page 2

FORECLOSURES

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT No. D-202-CV-2014-00465 2810 KARSTEN COURT, LLC, A New Mexico Limited Liability Company, Plaintiff, vs.

E.A. LLC; WATERMAN, INC. ; ROGER WATERMAN; ROBERT WATERMAN; CITY OF ALBUQUERQUE; and LOS ALAMOS NATIONAL BANK, Defendants.

NOTICE OF SALE NOTICE is hereby given that on Thursday, February 12, 2015, at 1:30 p.m., the undersigned Special Master will sell to the highest bidder near the front door of the Second Judicial District Courthouse, 400 Lomas Blvd.

NW, Albuquerque, NM 87102, all Defendants’ interest in the real property located at 2810 Karsten Court SE in Bernalillo County, New Mexico, and more particularly described as: LOT NUMBERED TWO-C (2C) OF PLAT OF LOTS 2A, 2B, 2C AND 2D, BROADWAY INDUSTRIAL CENTER SUBDIVISION, UNIT 2, BEING A REPLAT OF LOT 2, UNIT 2, WITHIN SECTIONS 32 AND 33, TOWNSHIP 10 NORTH, RANGE 3 EAST, NMPM, CITY OF ALBUQUERQUE, BERNALILLO COUNTY, NEW MEXICO, AS THE SAME IS SHOWN AND DESIGNATED ON THE PLAT OF SAID SUBDIVISION, FILED IN THE OFFICE OF THE COUNTY CLERK OF BERNALILLO COUNTY, NEW MEXICO, ON JANUARY 14, 2000, IN PLAT BOOK 2000C, FOLIO 15.

TOGETHER WITH EASEMENT RIGHTS, AS THOSE RIGHTS ARE MORE PARTICULARLY SET FORTH AND DEFINED IN THAT CERTAIN RECORDED PLAT, FILED IN THE OFFICE OF THE COUNTY CLERK OF BERNALILLO COUNTY, NEW MEXICO, ON JANUARY 14, 2000, IN PLAT BOOK 2000C, FOLIO 15 AND DEDICATION OF PRIVATE SANITARY SEWER EASEMENT DATED DECEMBER 4, 2002, RECORDED IN BOOK A46, PAGE 560 AS DOCUMENT NO. 2002160976, RECORDS OF BERNALILLO COUNTY, NEW MEXICO AND PRIVATE EASEMENT AND COVENANT FOR ACCESS, SEWER AND WATER, FILED AUGUST 27, 2002 AND RECORDED IN BOOK A40, PAGE 7736 AS DOCUMENT NO. 2002108053, RECORDS OF BERNALILLO COUNTY, NEW MEXICO. The sale will satisfy all or a portion of a Stipulated Judgment Against Defendants, Decree of Foreclosure, with No Deficiency, Post-Judgment Writ of Replevin, Collateral Recovery, Order of Sale, and Appointment of Special Master (“Judgment”) entered on December 12, 2014, as follows: Judgment in rem in the amount of $3,269,476.43, with interest continuing to accrue at 11.74% per year, from August 26, 2013, forward, plus attorney’s fees, costs, and tax of $22,000.00,

Health City Sun LEGAL NOTICES COUNTY, NEW MEXICO, ON FEBRUARY 1, 1978, IN VOLUME D8, FOLIO 78.

The sale will satisfy all or a portion of a Judgment entered on January 2, 2015, in the amount of $223,354.33, with interest accruing at 4.125% per year from November 30, 2014, forward.

The Judgment may be obtained from either the court clerk or the undersigned Special Master prior to the sale date. The Bank of New York Mellon fka the Bank of New York, as Trustee for the Certificateholders CWALT, Inc., Alternative Loan Trust 2006OA-14, Mortgage Pass-Through Certificates, Series 2006-OA14, its successor, investor, or assignee have the right to bid at the sale and to apply their judgments or a portion thereof to the purchase price in lieu of cash.

For all other bidders, the sale terms are cash or its equivalent by the close of business on the day of sale. The sale may be postponed and rescheduled at the Special Master’s discretion.

PROSPECTIVE PURCHASERS AT SALE ARE ADVISED TO MAKE THEIR OWN EXAMINATION OF THE TITLE AND THE CONDITION OF THE PROPERTY AND TO CONSULT THEIR OWN ATTORNEY BEFORE BIDDING. /s/ Edward S. Little Edward S. Little, Special Master 1509 37th Street SE Rio Rancho, NM 87124 505/328-6269 STATE OF NEW MEXICO HCS Pub. January 9, 16, 23, COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT 30, 2015 No. D-202-CV-2014-05303 THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE STATE OF NEW MEXICO CERTIFICATEHOLDERS OF COUNTY OF BERNALILLO CWALT, INC., ALTERNATIVE SECOND JUDICIAL DISTRICT LOAN TRUST 2006-OA-14, COURT MORTGAGE PASS-THROUGH NO. D-202-CV-2014-05094 CERTIFICATES, SERIES 2006SANDIA LABORATORY OA-14, FEDERAL CREDIT UNION, Plaintiff, Plaintiff, vs. v.

KEVIN ROSS, IN REM, THE UNKNOWN HEIRS, BLANCH ROSS, AND THE DEVISEES AND ASSIGNS OF BANK OF NEW YORK HELEN HERNANDEZ, MELLON FKA THE BANK OF NEW YORK, AS SUCCESSOR DECEASED; NEW MEXICO EDUCATORS FEDERAL TRUSTEE TO JPMORGAN CREDIT UNION; BERNALILLO CHASE BANK, N.A., AS COUNTY, TRUSTEE ON BEHALF OF THE CERTIFICATEHOLDERS and JOHN DOE AND JANE OF THE CWHEQ INC., CWHEQ DOE, Defendants.

REVOLVING HOME EQUITY NOTICE OF SALE ON LOAN TRUST, SERIES 2006-G FORECLOSURE Defendants.

NOTICE IS HEREBY GIVEN that NOTICE OF SALE NOTICE is hereby given that the above entitled Court, having on February 12, 2015, at 1:30 appointed the undersigned as p.m., the undersigned Special Special Master in this matter with Master or his agent will sell the power to sell, has ordered to the highest bidder at the the Special Master to sell the entrance of the Second Judicial below described real property, District Courthouse, 400 Lomas situated in the County of Blvd, Albuquerque, NM 87102 Bernalillo, State of New Mexico, all Defendants’ interest in the more particularly described as: real property located at 13101 Lot number four (4) in Block Eighteen (18) Mountain Road NE, Albuquerque, numbered Acres Unit 4-C NM 87112, Bernalillo County, Adobe New Mexico, and is more Subdivision in Bernalillo County, particularly described as follows: New Mexico, as the same is LOT NUMBERED TEN (10) shown and designated on the IN BLOCK NUMBERED ONE plat thereof, filed in the Office of (1) OF PANORAMA HEIGHTS the County Clerk of B e r n a l i l l o ADDITION UNIT NO. 3, AN County, New Mexico, on June 29, ADDITION TO THE CITY 1962. In Plat Boos C5. folio 122.

OF ALBUQUERQUE, NEW The property may be located MEXICO, AS THE SAME IS at 2009 Barboa Court SW, NM 87105.

SHOWN AND DESIGNATED ON Albuquerque, THE PLAT THEREOF, FILED IN The sale shall commence at THE OFFICE OF THE COUNTY 4:45 p.m. on March 5, 2015, CLERK OF BERNALILLO at the front entrance to the with interest accruing at 8.75% from the date of judgment (December 12, 2014) forward.

The Judgment may be obtained from either the court clerk or the undersigned Special Master prior to the sale date. 2810 Karsten Court, LLC, a New Mexico Limited Liability Company (“Plaintiff”) has the right to bid at the sale and to apply its judgment or a portion thereof to the purchase price in lieu of cash.

For all other bidders, the sale terms are cash or its equivalent by the close of business on the day of sale. The sale may be postponed and rescheduled at the Special Master’s discretion. The sale may include items of personal property identified in the Judgment.

PROSPECTIVE PURCHASERS AT SALE ARE ADVISED TO MAKE THEIR OWN EXAMINATION OF THE TITLE AND THE CONDITION OF THE PROPERTY AND TO CONSULT THEIR OWN ATTORNEY BEFORE BIDDING. /s/ Edward Little Special Master 1509 37th Street SE Rio Rancho, NM 87124 505/328-6269 HCS Pub. January 9, 16, 23, 30, 2015

Second Judicial District Court House, at 400 Lomas NW, Albuquerque, NM 87102. The property will be sold “As Is” to the highest bidder for cash. The property will be sold subject to any and all unpaid taxes and to any liens and assessments not otherwise foreclosed upon herein.

Interested bidders should undertake to make their own determination as to the status of title.

The sale may be postponed and rescheduled at the Special Master’s discretion. Prospective purchasers at the sale are advised to make their own examination of the title and the condition of the property and further to consult their own attorney before bidding.

For purposes of this sale, “cash” shall mean (1) cash on hand, (2) other immediately available funds, including, but not limited to, bank cashiers checks, or (3) an irrevocable letter of credit payable at sight issued by a financial institution acceptable to and in a form acceptable to the Special Master in an amount not less than the bid amount, delivered to and approved by the Special Master prior to sale.

For purposes of this Sale, the term “immediately available funds” shall refer to those funds that can be delivered to the Special Master within TWENTY-FOUR (24) hours of the acceptance of the bid.

NOTICE IS FURTHER GIVEN that the proceeds of sale will be applied as follows: first, to all costs and expenses of sale, including the Special Master’s fee and costs; second, to the judgment awarded to Plaintiff in the amount of: Count I $51,101.88, plus interest from June 19, 2014, at the rate of 4.50% per annum AND Count II $$2,445.10, plus interest from June 19, 2014, at the rate of 13.24% per annum; plus attorney fees including gross receipts tax in the amount of $1,965.00; plus costs incurred by Plaintiff in the amount of $468.81, and unpaid taxes of $421.91; plus interest from January 16, 2015, at the rate of 8.75% per annum; third, in such manner as the Court may determine by order entered after the sale.

NOTICE IS FINALLY GIVEN that Plaintiff may bid and purchase the property at the foreclosure sale and may apply all or a portion of its judgment as cash toward the purchase price.

Respectfully submitted: “Electronically filed” By: s/Kathleen Brandt, attorney at law KATHLEEN BRANDT Special Master 1212 Pennsylvania NE Albuquerque, NM 87110 (505) 266-8787 HCS Pub. January 23, 30, February 6, 13, 2015

COUNTY OF BERNALILLO Case No. D-202-CV-2014-06115 CAROL CINCINELLO, Plaintiff, vs THE UNKNOWN HEIRS OF ALBINA MAZIA AND ALL UNKNOWN CLAIMANTS OF INTEREST, Defendants NOTICE OF SUIT TO DEFENDANTS: “THE UNKNOWN HEIRS OF ALBINA MAZIA” and “ALL UNKNOWN CLAIMANTS OF INTEREST” You are hereby notified that a suit has been filed against you in the said court and county by the above-named Plaintiff in which Plaintiff requests judgment establishing her claim to, and quieting title in, the following described property situated in Bernalillo County, New Mexico: That certain parcel of land lying within the exterior boundaries of the Alameda Grant in Township 11 North, Range 1 East, New Mexico Principal Meridian, Bernalillo County, New Mexico, described more particularly by metes and bounds as follows: Beginning at a point which is common to the South line of the Alameda Grant and to the corners of Sections 16 and 17 in Township 11 North, Range 2 East, New Mexico Principal Meridian; THENCE N0 °02’E a distance of 8,545.10 feet to a point; THENCE S89° 55’30”W a distance of 10,701,08 feet to a point; THENCE S0 °02’W a distance of 3,946.68 feet; THENCE West a distance of 994.09 feet to the TRUE POINT OF BEGINNING and Southwest corner of the parcel herein described; THENCE North a distance of 657.78 feet to the Northwest corner; THENCE East a distance of 331.11 feet to the Northeast corner; THENCE South a distance of 657.78 feet to the Southeast corner; THENCE West a distance of 331.11 feet to the TRUE POINT of BEGINNING, containing 5.0 acres, more or less; including any gas, oil or minerals rights now owned by Grantor.

RESERVING, HOWEVER, an appurtenant easement over the North, East, South and West 20.0 feet of said property unto Grantor and all personal claiming under it and unto the general public for road purposes, and reserving said easement unto Grantor and all personal claiming under it for the placement, maintenance and operation of public utilities.

SUBJECT to taxes for the current and subsequent years, assessments, building restrictions, zoning regulations and patent reservations of record in the Office of the County Clerk of Bernalillo County, New Mexico.

You are further notified that unless you enter or cause to be entered your appearance in said cause within thirty days from the last day this notice is published, judgment will be rendered in said cause against SUITS you by default and the relief requested will be granted.

WITNESS the Honorable Victor S. Lopez, District Judge of the Second Judicial District Court of the State of New Mexico, STATE OF NEW MEXICO and the seal of the District SECOND JUDICIAL DISTRICT Court of Bernalillo County, COURT this day of January, 2015.

January 30, 2015

RICHMOND L. NEELY Attorney for Plaintiff P.O. Box 1787 Albuquerque, NM 87103 (505) 243-3727 1/9/2015 GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: Tracie Laahty Tracie Laahty Deputy Clerk HCS Pub. January 16, 23, 30, February 6, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-CV-2014-6678 SUNPORT FINANCIAL, LLC, Plaintiff, v.

BRANDON X. DAVIS, Defendant.

NOTICE OF SUIT STATE OF NEW MEXICO to the above-named Defendant: GREETINGS: You are hereby notified that the above-named Plaintiff has filed a civil action against you in the above-entitled Court and cause, the general object thereof being a Complaint On A Contract And For Debt And Money Due. That unless you enter your appearance in said cause on or before thirty (30) days after the last date of publication, judgment by default will be entered against you.

Name and address of Plaintiff’s attorney: [electronically filed] /s/ LAWRENCE P. ZAMZOK Attorney for Plaintiff 6001 Whiteman Drive NW Albuquerque, NM 87120 (505) 898-6311 WITNESS the Hon. Victor S. Lopez, 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 1/13/2015.

GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: Patricia Serna Deputy Clerk HCS Pub. January 23, 30, February 6, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-CV-2014-6058 J.D.B. ACCEPTANCE CORPORATION OF NEW MEXICO INC. D/B/A CNAC, Plaintiff, v.

SCOTT DITMER, Defendant.

NOTICE OF SUIT STATE OF NEW MEXICO to the above-named Defendant: GREETINGS: You are hereby notified that the above-named Plaintiff has filed a civil action against you in the above-entitled Court and cause, the general object thereof being a Complaint On A Contract And For Debt And Money Due. That unless you enter your appearance in said cause on

January 30, 2015

or before thirty (30) days after the last date of publication, judgment by default will be entered against you.

Name and address of Plaintiff’s attorney: LAWRENCE P. ZAMZOK Attorney for Plaintiff 6001 Whiteman Drive NW Albuquerque, NM 87120 (505) 898-6311 WITNESS the Hon. Alan M. Malott, 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 1/15/2015.

GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: Tracie Laatty Deputy Clerk HCS Pub. January 23, 30, February 6, 2015

Health City Sun LEGAL NOTICES

pro se, requests the Court to consider the following: First case was dropped due to Courtney working a deal with me to see my son, Vincent.

She disappeared soon after, and did not see them for a year or so. Wednesday, August 7th I received a phone call from CYFD saying they have my son and if I wanted custody. I said yes, so they gave him to me.

I now have custody of my son and I am moving forward now for full custody. CYFD gave me custody on the grounds that she is no longer a fit mother due to being homeless, plus major substance abuse. They came out to my home to drop him off and assessed that he will be safe and well taken care of. Also, DNA tests have proven that I am in fact the father. Before they found him, he was with a strange couple who abused him, multiple ways. APD is charging the couple for the abuse. He is now in therapy, but safe and happy.

STATE OF NEW MEXICO /s/ Jack R. Cutlip COUNTY OF BERNALILLO Jack R. Cutlip SECOND JUDICIAL DISTRICT 507 Montclaire Dr NE COURT Abq, NM 87108 No. D-202-CV-2014-6779 505-252-1517 SUNPORT FINANCIAL, LLC, I certify that I have Plaintiff, mailed a copy of this v. pleading to opposing counsel LLOYD THRAP, this 26th day of 9, 2013 Defendant. /s/Jack R. Cutlip NOTICE OF SUIT Jack R. Cutlip STATE OF NEW MEXICO to HCS Pub. January 30, February the above-named Defendant: 6, 13, 2015 GREETINGS: You are hereby notified that the above-named Plaintiff has filed a civil action against you in the above-entitled Court and cause, the general object thereof being SECOND JUDICIAL DISTRICT a Complaint On A Contract COURT And For Debt And Money Due. COUNTY OF BERNALILLO That unless you enter your STATE OF NEW MEXICO appearance in said cause on D-202-DM-2010-04073 or before thirty (30) days after JACK R. CUTLIP, the last date of publication, Petitioner, judgment by default will v. be entered against you. COURTNEY LAUGEL, Name and address of Plaintiff’s Respondent, attorney: NOTICE TO RESPONDENT [electronically filed] COURTNEY LAUGEL /s/ LAWRENCE P. ZAMZOK Comes now, Petitioner Jack Attorney for Plaintiff R. Cutlip, by and through his 6001 Whiteman Drive NW attorney, Helene Garduño Albuquerque, NM 87120 Dobbins, and hereby gives notice (505) 898-6311 to Respondent Courtney Laugel, WITNESS the Hon. Alan M. that Motion for Full Custody was Malott, District Judge of the filed in this matter on September Second Judicial District Court 26, 2013. Respondent Courtney of the State of New Mexico, and Laugel must file a written the Seal of the District Court of response with the Court no later Bernalillo County, this 1/26/2015. than thirty (30) days from the date GREGORY T. IRELAND of this publication or the Court CLERK OF THE DISTRICT may grant Petitioner’s motion.

COURT Respectfully Submitted, By: Cathy Chavez HELENE GARDUÑO DOBBINS Deputy /s/ Helene Garduño Dobbins *28931-RS* Helene Garduño Dobbins HCS Pub. January 30, February Attorney for Petitioner Jack R. 6, 13, 2015 Cutlip 4001 Indian School Road NE Suite 120 Albuquerque, New Mexico 87110 (505) 872-4300 SECOND JUDICIAL DISTRICT HCS Pub. January 30, February COURT 6, 13, 2015 COUNTY OF BERNALILLO STATE OF NEW MEXICO DM 2010-4073 Jack R. Cutlip Petitioner PROBATE vs.

Courtney Laugel Respondent MOTION FOR/TO Full Custody Jack R. Cutlip, who was the STATE OF NEW MEXICO Petitioner in the previous COUNTY OF BERNALILLO proceeding, appearing SECOND JUDICIAL DISTRICT

COURT Case No. D-202PB-2014-00412 IN THE MATTER OF THE ESTATE OF JUANITA D. GONZALES, Deceased.

NOTICE OF HEARING BY PUBLICATION THE STATE OF NEW MEXICO: TO: UNKNOWN HEIRS OF JUANITA D. GONZALES, DECEASED, AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF JUANITA D. GONZALES, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. A hearing on the Petition for Order of Complete Settlement of Estate

by Personal Representative, filed

by Dolores D. Gonzales, will be held at 1:30 P.M. on March 16, 2015, before the Honorable Clay Campbell, at the Second Judicial District Court located at 400 Lomas NW, Albuquerque, New Mexico, 87103.

Pursuant to 45-1-401 NMSA 1978, notice of the time and place of hearing on said petition is hereby given you by publication, once each week, for two consecutive weeks.

Respectfully submitted, LAW OFFICE OF BENJAMIN HANCOCK, P.C. By: /s/ Benjamin Hancock 6121 Indian School Road NE, Suite 206 Albuquerque, NM 87110 Phone 505.508.4343 Fax 505.508.4323 Attorney for Petitioner Dolores D. Gonzales HCS Pub. January 23, 30, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT NO. D-202-PB-2014-00630 IN THE MATTER OF THE ESTATE OF AARON ALDRICH HOUSE, Deceased NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN that KAREN L. SAMORA and GARY B. HOUSE have been appointed Co-Personal Representatives of the Estate of AARON ALDRICH HOUSE, deceased. All persons having claims against this estate are required to present their claims within two (2) months after the date of the first publication of this Notice or the claims will be forever barred.

Claims must be presented to the Co-Personal Representatives in care of their attorney: GRADY LAW & MEDIATION LLC (DAVID A. GRADY) 5106 Comanche NE Albuquerque, New Mexico 87110 Fax 505.814.7722 Email david@dgradylaw.com or filed with the Second Judicial District Court Clerk PO Box 488 Albuquerque, New Mexico 87103 GRADY LAW & MEDIATION LLC Attorney for Co-Personal Representatives BY /s/ David A. Grady

DAVID A. GRADY 5106 Comanche NE Albuquerque, New Mexico 87110 Telephone 505.814.7720 FAX 505.814 7722 Email david@dgradylaw.com HCS Pub. January 23, 30, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT PROBATE NO. D-202PB-2014-00529 IN THE MATTER OF THE ESTATE OF ANNETTE JEAN ENTREKIN, Deceased.

NOTICE OF HEARING BY PUBLICATION TO: UNKNOWN HEIRS OF ANNETTE JEAN ENTREKIN, DECEASED, AND ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF ANNETTE JEAN ENTREKIN, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. Hearing on the Petition to Appoint Personal Representative, to Transfer Remaining Estate Assets and for Order of Complete Settlement of Estate filed by the undersigned Petitioner, which Petition provides for the appointment of the Petitioner as the Personal Representative of the Estate of Annette Jean Entrekin, deceased (“Estate”), that the remaining Estate assets be transferred pursuant to the Last Will and Testament of Annette Jean Entrekin and that the Estate be fully settled and the Personal Representative of the Estate be discharged, will be held at the Bernalillo County District Courthouse, 400 Lomas Blvd. NW, Albuquerque, Bernalillo County, New Mexico, before the Honorable Victor S. Lopez, on February 16, 2015, at the hour of 9:30 a.m.

Pursuant to NMSA 1978 §45-1401 (2014), notice of the time and place of hearing on said Petition is hereby given you by publication, once each week, for two consecutive weeks.

Witness the hand and seal of the Clerk of this Court.

DATED: 1/16/2015 GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: Dawna L. Jarvis Deputy Clerk /s/ James Edward Harmon JAMES EDWARD HARMON, Petitioner Submitted by: HURLEY, TOEVS, STYLES, HAMBLIN & PANTER, P.A. By: /s/ Thomas H. Toevs THOMAS H. TOEVS JOSEPH D. POPPLEWELL Attorneys for Petitioner P.O. Box 31670 Albuquerque, NM 87190 (505) 888-1188 HCS Pub. January 23, 30, 2015

No. D-202-PB-2015-00008 IN THE MATTER OF THE ESTATE OF BLOSSOM R. RICHARDSON, 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 two months after the date of the first publication of this Notice or the claims will be forever barred.

Claims may be presented either to the undersigned Personal Representative, c/o Hurley, Toevs, Styles, Hamblin & Panter, P.A. (Randolph L. Hamblin), 4155 Montgomery Blvd., NE, Albuquerque, New Mexico, 87109, or filed with the District Court of Bernalillo County, PO Box 488, Albuquerque, New Mexico, 87103.

DATED: 1/15/15 /s/ Dana Richardson DANA RICHARDSON Personal Representative HURLEY, TOEVS, STYLES, HAMBLIN & PANTER, P.A. BY: /s/Randolph L. Hamblin Randolph L. Hamblin 4155 Montgomery Blvd., NE Albuquerque, NM 87109 505-888-1188; Fax 505-8889215 Attorneys for Estate HCS Pub. January 23, 30, 2015

STATE OF NEW MEXICO IN THE PROBATE COURT Bernalillo COUNTY No. 2014-925 IN THE MATTER OF THE ESTATE OF Rodney LeMaster, 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 two (2) 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 listed below, or filed with the Probate Court of Bernalillo, County, New Mexico, located at the following address: 1 Civic Plaza NW, 6th floor, Albuq. NM 87102.

Dated: 1/20/2015 /s/ Stephen LeMaster Stephen LeMaster 1010 Monte Vista Dr Bosque Farms, NM 87068 505 933 3442 HCS Pub. January 23, 30, 2015

Page 3

NOTICE IS HEREBY GIVEN that LESTER ODELL SHAW has been appointed Personal Representative of the Estate of GEORGE W. SHAW, deceased.

All persons having claims against this estate are required to present their claims within two 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 in care of Tax, Estate & Business Law, Ltd., 4811-A Hardware Drive NE, Suite 4, Albuquerque, NM 87109, or filed with the Second Judicial District Court, Bernalillo County, New Mexico.

DATED: January 19, 2015 /s/ Lester Odell Shaw LESTER ODELL SHAW Personal Representative of the Estate of GEORGE W. SHAW, Deceased 10511 2nd NW Albuquerque, NM 87114 505-220-9198 Submitted by: TAX, ESTATE, & BUSINESS LAW, LTD. By /s/ Thomas Smidt III Thomas Smidt III, Esq. Nathaniel Butters, Esq. Attorneys for Personal Representative 4811-A Hardware Drive N.E., Suite 4 Albuquerque, New Mexico 87109 (505)830-2200 HCS Pub. January 23, 30, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2013-00503 IN THE MATTER OF THE ESTATE OF VEATRIKY NEOFOTISTOS, Deceased.

NOTICE OF HEARING BY PUBLICATION THE STATE OF NEW MEXICO: TO: ALL UNKNOWN PERSONS WHO HAVE OR CLAIM ANY INTEREST IN THE ESTATE OF VEATRIKY NEOFOTISTOS, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. Hearing on the Petition for Order of Complete Settlement of Estate

by Personal Representative (the “Petition”) filed by the undersigned petitioner will be held at the Bernalillo County Courthouse, in Albuquerque, New Mexico, on March 12, 2015, at 2:30 p.m. before the Honorable Clay Campbell, District Judge.

You are hereby notified that at the hearing the Court will consider the request by the petitioner that: 1.

The Court approve the Final Account attached to the Petition as Exhibit A. 2.

The Court approve the distribution of the estate SECOND JUDICIAL DISTRICT as shown on the Schedule COURT of Distribution attached to COUNTY OF BERNALILLO the Petition as Exhibit B. STATE OF NEW MEXICO 3.

The Court declare the CASE NO. D-202estate fully settled and discharge PB-2014-00629 petitioner from further claims or IN THE MATTER OF THE demand of any interested person.

ESTATE OF A copy of the Petition is on GEORGE W. SHAW, file with the Court in the STATE OF NEW MEXICO DECEASED. above-captioned cause and COUNTY OF BERNALILLO NOTICE TO CREDITORS is available for your review.

SECOND JUDICIAL DISTRICT

Page 4

Pursuant to §45-1-401 NMSA 1978, notice of the time and place of hearing on the Petition is hereby given you by publication, once each week, for two consecutive weeks.

Witness our hands and seals of this Court DATED: 1/22/2015 GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: /s/ Dawna L. Jarvis Deputy /s/ Elaine Victoria Sinton ELAINE VICTORIA SINTON, Personal Representative of the Estate of Veatriky Neofotistos, Deceased 9624 Bolack Drive NE Albuquerque NM 87109 (505) 828-9672 KENNETH C. LEACH & ASSOCIATES, P.C. By /s/ Kenneth C. Leach Kenneth C. Leach Attorney for Personal Representative of the Estate of Veatriky Neofotistos, Deceased 320 Osuna Road NE, Unit G4, Box 15 Albuquerque NM 87107 (505) 883-2702 HCS Pub. January 23, 30, 2015

STATE OF NEW MEXICO IN THE PROBATE COURT BERNALILLO COUNTY Case No. 2014-878 IN THE MATTER OF THE ESTATE OF RALPH DAVID BELDEN, 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 two 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 or filed with the BERNALILLO COUNTY PROBATE COURT, STATE OF NEW MEXICO, PO BOX 542, One Civic Plaza NW, 6th Floor, Albuquerque, NM 87102, phone (505) 468-1233.

Dated: , 2014. /s/ Joel D. Belden Joel D. Belden, as Personal Representative of the Estate of RALPH DAVID BELDEN, Deceased.

4611 Valley Park Drive SW Albuquerque, NM 87105 Telephone number: (505) 3210664 HCS Pub. January 23, 30, 2015

IN THE PROBATE COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO NO. 2014-868 IN THE MATTER OF THE ESTATE OF LARRY RAMON GONZALES also Known as LORENZO RAMON GONZALES, Deceased.

NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN

Health City Sun LEGAL NOTICES CLAIM ANY INTEREST IN THE ESTATE OF DONALD OLIVER CHAMPAGNE, DECEASED, OR IN THE MATTER BEING LITIGATED IN THE HEREINAFTER MENTIONED HEARING. Hearing on the Petition filed

by Christopher Champagne, Personal Representative, which Petition provides for the complete settlement of the Estate, waiver of the Personal Representative’s final account and report, and authorization for distribution of all estate assets, will be held at the BERNALILLO County Courthouse before THE HONORABLE VALERIE HULING on February 18, 2015, at 8:45 am.

Pursuant to NMSA 1978, Section 45-1-401, notice of the time and place of hearing on said Petition is hereby given you by publication, once each week, for two consecutive weeks.

Witness our hands and the seal of this Court.

DATE: 1/23/2015 GREGORY T. IRELAND CLERK OF THE DISTRICT COURT By: Dawna L. Jarvis STATE OF NEW MEXICO Deputy COUNTY OF BERNALILLO AHR LAW OFFICES, P.C. IN THE PROBATE COURT BY: /s/ Tracy J. Ahr Probate No. 2015-032 Tracy J. Ahr, Esq. IN THE MATTER OF THE Attorneys for the Estate ESTATE 6707 Academy Road, NE, Suite OF MARY JOSEPHINE A CICMANEC, Deceased.

Albuquerque, NM 87109 NOTICE TO CREDITORS NOTICE IS HEREBY GIVEN Telephone: (505) 821-5122 that the undersigned has HCS Pub. January 30, February been appointed personal 6, 2015 representative of the estate of Mary Josephine Cicmanec. All persons having claims against this estate are required to STATE OF NEW MEXICO present their claims within two COUNTY OF BERNALILLO months after the date of the first publication of this Notice or the SECOND JUDICIAL DISTRICT COURT claims will be forever barred.

No. D-202-PB-2015-00024 Claims must be presented either to the undersigned personal IN THE MATTER OF THE representative at c/o Phillip ESTATE OF Medrano, Attorney at Law, BETTY j. SCHMELZ, Deceased NOTICE TO CREDITORS Senior Citizens’ Law Office, 4317 Lead SE, Ste. A, Albuquerque, NOTICE IS HEREBY GIVEN NM, 87108, or filed with the that the undersigned has appointed personal Bernalillo County Probate Court. been representative of this estate. All DATED: January 13, 2015 persons having claims against /s/ James Cicmanec this estate are required to James Cicmanec present their claims within two 5707 Wood Rd. SW (2) months after the date of the Albuquerque, NM 87105 first publication of this notice, or SENIOR CITIZENS’ LAW the claims will be forever barred.

OFFICE, INC. Claims must be presented either By /s/ Phillip Medrano to the undersigned personal Phillip Medrano representative at the address Attorney for Personal listed below, or filed with the Representative Second Judicial District Court of 4317 Lead SE, Ste. A Bernalillo County, New Mexico, Albuquerque, NM 87108 located at 400 Lomas Blvd. NW, Ph: (505) 265-2300 HCS Pub. January 30, February Albuquerque, New Mexico 87102 (P.O. Box 488, Albuquerque, 6, 2015 New Mexico 87103).

Dated: January 28, 2015. /s/ Paul Gessing PAUL GESSING SECOND JUDICIAL DISTRICT c/o James E. Dory Barnett Law Firm, PA COURT Attorney for Paul Gessing COUNTY OF BERNALILLO 1905 Wyoming Boulevard NE STATE OF NEW MEXICO Albuquerque, NM 87112 Cause No.: D-202Tel: (505) 275-3200 PB-2013-00041 Fax: (505) 275-3837 IN THE MATTER OF THE Submitted by: ESTATE OF BARNETT LAW FIRM, P.A. DONALD OLIVER /s/James E. Dory CHAMPAGNE, Deceased.

JAMES E. DORY NOTICE OF HEARING BY 1905 Wyoming Boulevard NE PUBLICATION THE STATE OF NEW MEXICO: Albuquerque, New Mexico TO: UNKNOWN HEIRS 87112 OF DONALD OLIVER Tel: (505) 275-3200 CHAMPAGNE, DECEASED Fax: (505) 275-3837 AND ALL UNKNOWN HCS Pub. January 30, February PERSONS WHO HAVE OR 6, 2015 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 two 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 or at her attorney’s office of Ernie Leger at 1515 Lomas NW, Albuquerque, New Mexico 87104, or filed with the Bernalillo County Probate Court at One Civic Plaza NW 6th Floor, Albuquerque, New Mexico 87102.

DATED: January 7, 2015 /s/ Katherine Jaramillo Katherine Jaramillo a/k/a Katherine Bernadette Gonzales 2103 Alhambra SW Albuquerque, NM 87104 HCS Pub. January 30, February 6, 2015

STATE OF NEW MEXICO COUNTY OF BERNALILLO SECOND JUDICIAL DISTRICT COURT No. D-202-PB-2015-00024 IN THE MATTER OF THE ESTATE OF BETTY J. SCHMELZ, DECEASED NOTICE TO HEIRS AND DEVISEES NOTICE IS HEREBY GIVEN that Notice is being sent to those heirs and devisees the undersigned has been appointed personal representative of this estate. All persons having claims against this estate are required to present their claims within two (2) 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 listed below, or filed with the Second Judicial District Court of Bernalillo County, New Mexico, located at 400 Lomas NW, New Mexico 87102 (P.O. Box 488, Albuquerque, New Mexico 87103).

Dated: January 28, 2015. /s/ Paul Gessing PAUL GESSING c/o James E. Dory Barnett Law Firm, PA Attorney for Paul Gessing 1905 Wyoming Boulevard NE Albuquerque, NM 87112 Tel: (505) 275-3200 Fax: (505) 275-3837 Submitted by: BARNETT LAW FIRM, P.A. /s/James E. Dory JAMES E. DORY 1905 Wyoming Boulevard NE Albuquerque, New Mexico 87112 Tel: (505) 275-3200 Fax: (505) 275-3837 HCS Pub. January 30, February 6, 2015

IN THE PROBATE COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO No. 2015-038 IN THE MATTER OF THE ESTATE OF CHARLES D. GELSINGER, 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 two 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, c/o Mary Ann Green, Attorney at Law, at 1825 San Mateo NE, Albuquerque, NM 87110, or filed with the Bernalillo County Probate Court.

DATED: Jan, 2015 /s/ Debra L. Gelsinger DEBRA L. GELSINGER, Personal Representative of the Estate of Charles D. Gelsinger 3947 Camino del Valle SW Albuquerque NM 87105 /s/ Mary Ann Green MARY ANN GREEN, Attorney for Personal Representative of the Estate of Charles D. Gelsinger 1825 San Mateo NE

January 30, 2015

Albuquerque, New Mexico Change of Name 87110 of CHRISTOPHER DILLON (505) 254-0600 FOREHAND HCS Pub. January 30, February NOTICE OF HEARING ON 6, 2015 PETITION FOR CHANGE OF NAME NOTICE IS HEREBY GIVEN that Christopher Dillon Forehand, a resident of the NAME CHANGE City of Albuquerque, County of Bernalillo, State of New Mexico, and over the age of fourteen years, has filed a Petition for Change of Name 2nd JUDICIAL DISTRICT in the Second Judicial District COURT Court, Bernalillo County, New COUNTY OF Bernalillo Mexico, wherein he seeks STATE OF NEW MEXICO to change his name from CAUSE NO. CV 2014 07645 Christopher Dillon Forehand IN THE MATTER OF THE to Christopher Dillon Cutter PETITION OF and this Petition will be heard Juanita C. Rosetta before the Honorable Valerie FOR CHANGE OF NAME OF Huling, District Judge, on Marcella J. Rosetta-AKA February 19, 2015 at the hour of Julian. Aguilar 8:45 a.m. at the Bernalillo Amended NOTICE OF County Courthouse, PETITION TO CHANGE NAME Albuquerque, New Mexico.

(OF PERSON UNDER 14 The Honorable Valerie Huling YEARS OF AGE) By: /s/ Charlene Montoya NOTICE IS HEREBY GIVEN TCAA to Judge Valerie Huling that Juanita C. Rosetta, has filed /s/ Edward L. Matteucci a Petition to Change the Name Electronically filed of her child, from Marcella J. Edward L. Matteucci Rosetta-AKA- Julian. Aguilar Attorney for Petitioner to Julian Polo Aguilar. This 317 Sixth St., NW petition will be heard before the Albuquerque, New Mexico Honorable DENISE BARELA 87102 SHEPHERD, District Judge, on (505) 242-1932 the 3rd day of February, 2015, HCS Pub. January 23, 30, 2015 at the hour of 1:30 p.m., at the Bernalillo County Courthouse, Albuquerque, New Mexico.

Respectfully submitted, /s/ Juanita Rosetta Juanita C. Rosetta 2nd JUDICIAL DISTRICT Petitioner, pro se COURT HCS Pub. January 23, 30, 2015 COUNTY OF Bernalillo STATE OF NEW MEXICO CAUSE NO. CV 2015 00468 IN THE MATTER OF THE PETITION OF Naomi Marie Houston 2nd JUDICIAL DISTRICT FOR CHANGE OF NAME OF COURT Isabella Ann Marie Haney COUNTY OF Bernalillo NOTICE OF PETITION TO STATE OF NEW MEXICO CHANGE NAME CAUSE NO. CV 2015 00361 (OF PERSON UNDER 14 IN THE MATTER OF THE YEARS OF AGE) PETITION OF NOTICE IS HEREBY GIVEN Simon David Hill that Naomi Marie Houston, has FOR CHANGE OF NAME filed a Petition to Change the NOTICE OF PETITION TO Name of her child, from Isabella CHANGE NAME Ann Marie Haney to Isabella (ADULT) Ann Marie Haney Houston. This NOTICE IS HEREBY GIVEN petition will be heard before the that Simon David Hill, a resident Honorable DENISE BARELA of the City of Albuquerque, SHEPHERD, District Judge, County of Bernalillo, State of on the 3rd day of March, 2015, New Mexico, and over the age at the hour of 1:30 p.m., at the of fourteen years, has filed a Bernalillo County Courthouse, Petition to Change Name in the Albuquerque, New Mexico.

2nd District Court, Bernalillo Respectfully submitted, County, New Mexico, wherein /s/ Naomi Houston he/she seeks to change his/her Naomi Houston name from Simon David Hill to Petitioner, pro se Skye Love Hill, and that this HCS Pub. January 23, 30, 2015 Petition will be heard before the Honorable JUDGE BEATRICE BRICKHOUSE, District Judge, on the 20th day of February 2015, at the hour of 11:00 a.m., at the Bernalillo County Courthouse, Second JUDICIAL DISTRICT Albuquerque, New Mexico.

COURT Respectfully submitted, COUNTY OF BERNALILLO /s/ Simon D. Hill STATE OF NEW MEXICO Simon D. Hill CAUSE NO. CV 2015 00501 Petitioner, pro se IN THE MATTER OF THE HCS Pub. January 23, 30, 2015 PETITION OF Barbara Escalante-Delaguerra FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME SECOND JUDICIAL DISTRICT (ADULT) COURT NOTICE IS HEREBY GIVEN COUNTY OF BERNALILLO that BARBARA ESCALANTESTATE OF NEW MEXICO DELAGUERRA, a resident of the D-202-CV-2014-07865 City of Albuquerque, County of In the Matter of the Petition for Bernalillo, State of New Mexico,

January 30, 2015

and over the age of fourteen years, has filed a Petition to Change Name in the Second District Court, Bernalillo County, New Mexico, wherein she seeks to change her name from Barbara Escalante-Delaguerra to Barbara A. Delaguerra, and that this Petition will be heard before the Honorable JUDGE BEATRICE BRICKHOUSE, District Judge, on the 20th day of February 2015, at the hour of 11:00 am, at the Bernalillo County Courthouse, 400 Lomas Blvd.

N.W. Albuquerque, New Mexico.

Respectfully submitted, /s/ Barbara EscalanteDelaguerra Barbara Escalante-Delaguerra Petitioner, pro se HCS Pub. January 23, 30, 2015

2nd JUDICIAL DISTRICT COURT COUNTY OF Bernalillo STATE OF NEW MEXICO CAUSE NO. CV 2015 00429 IN THE MATTER OF THE PETITION OF Eric Keith Brown FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME (ADULT) NOTICE IS HEREBY GIVEN that Eric Keith Brown, a resident of the City of Albuquerque, County of Bernalillo, State of New Mexico, and over the age of fourteen years, has filed a Petition to Change Name in the 2nd District Court, Bernalillo County, New Mexico, wherein he seeks to change his name from Eric Keith Brown to Eric Keith Boyd-Gerber, and that this Petition will be heard before the Honorable CLAY CAMPBELL, District Judge, on the 17th day of February 2015, at the hour of 10:00 a.m., at the Bernalillo County Courthouse, Albuquerque, New Mexico.

Respectfully submitted, /s/ Eric Brown Eric Brown Petitioner, pro se HCS Pub. January 30, February 6, 2015

Second JUDICIAL DISTRICT COURT COUNTY OF Bernalillo STATE OF NEW MEXICO CAUSE NO. CV 2015 00588 IN THE MATTER OF THE PETITION OF SANDRA IVETTE MOODY aka Sandra ivette gonzalez FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME (ADULT) NOTICE IS HEREBY GIVEN that SANDRA IVETTE MOODY, a resident of the City of Albuquerque, County of State of New Mexico, and over the age of fourteen years, has filed a Petition to Change Name in the Second District Court, Bernalillo County, New Mexico, wherein she seeks to change her name from SANDRA IVETTE MOODY to SANDRA IVETTE GONZALEZ, and that this Petition will be heard before the Honorable NANCY J. FRANCHINI, District Judge, on the day of FEB 24 2015, at the hour of 1:30 PM, at the Bernalillo County Courthouse,

Health City Sun LEGAL NOTICES Albuquerque, New Mexico.

Respectfully submitted, /s/ Sandra Ivette Moody SANDRA IVETTE GONZALEZ aka Sandra Ivette Moody Petitioner, pro se HCS Pub. January 30, February 6, 2015

2nd JUDICIAL DISTRICT COURT COUNTY OF Bernalillo STATE OF NEW MEXICO CAUSE NO. CV 2015 00592 IN THE MATTER OF THE PETITION OF Bertha S Garcia FOR CHANGE OF NAME NOTICE OF PETITION TO CHANGE NAME (ADULT) NOTICE IS HEREBY GIVEN that Bertha S Garcia, a resident of the City of Albuquerque, County of Bernalillo, State of New Mexico, and over the age of fourteen years, has filed a Petition to Change Name in the 2nd District Court, Bernalillo County, New Mexico, wherein she seeks to change his/her name from Bertha S Garcia to Bertha S Rodarte, and that this Petition will be heard before the Honorable NANCY J. FRANCHINI, District Judge, on the day of FEB 24 2015, at the hour of 3:00 PM, at the Bernalillo County Courthouse, Albuquerque, New Mexico.

Respectfully submitted, /s/ Bertha Garcia Bertha Garcia Petitioner, pro se HCS Pub. January 30, February 6, 2015

SECOND JUDICIAL DISTRICT COURT STATE OF NEW MEXICO COUNTY OF BERNALILLO Case No.: D-202CV-2015-00613 IN THE MATTER OF A PETITION FOR CHANGE OF NAME OF HOPE P. MONTANO NOTICE OF CHANGE OF NAME TAKE NOTICE that in accordance with the provisions of Sec. 40-8-1 through Sec. 4083 NMSA 1978, the Petitioner Hope P. Montano will apply to the Honorable Clay Campbell, District Judge of the Second Judicial District in Albuquerque, New Mexico at 10:30 a.m. on the 20th day of February, 2015 for an ORDER FOR CHANGE OF NAME from Hope P. Montano to Hope Solis Porras.

By: Russell Garcia Deputy Court Clerk Submitted by: /s/ Melissa Morris Melissa Morris, Esq. Attorney for Petitioners HCS Pub. January 30, February 6, 2015

SECOND JUDICIAL DISTRICT COURT COUNTY OF BERNALILLO STATE OF NEW MEXICO NO. D-202-CV-2015-00185 IN THE MATTER OF ESTABLISHEMENT OF NAME OF ADAMANTIOS PANTAZOPOULOS,

Petitioner.

NOTICE OF PETITION FOR ESTABLISHMENT OF NAME TO WHOM IT MAY CONCERN: Please take notice that the undersigned, Adamantios Pantazopoulos, also known as Andy Pandazis, has filed a Petition for Establishment of Name in the Second Judicial District Court, in the County of Bernalillo and State of New Mexico, and he is giving this notice pursuant to Sec. 40-8-2 NMSA 1978.

The Petition is to legally establish Petitioner’s name as Adamantios Pantazopoulos.

You are hereby notified that a hearing to consider the Petition for Establishment of Name has been set at the Second Judicial District Court, Bernalillo County Courthouse, Albuquerque, New Mexico, on February 12, 2015, at 9:55 a.m., before the Honorable Carl J. Butkus, District Judge.

WITNESS my hand this 12th day of January, 2015. /s/ Adamantios Pantazopoulos Adamantios Pantazopoulos 8217 Cherry Hills Dr. NE Albuquerque, New Mexico 87111 SCHLENKER & URREA, LLP By /s/ Kendall O. Schlenker Kendall O. Schlenker 7850 Jefferson NE, Suite 140 Albuquerque, New Mexico 87109 (505) 244-0090 Attorneys for Petitioner HCS Pub. January 30, February 6, 2015

STATE OF NEW MEXICO BERNALILLO COUNTY SECOND JUDICIAL DISTRICT COURT IN THE MATTER OF THE NAME CHANGE OF ADAMANTIOS PANTAZOPOULOS No: D-202-CV-2015-00185 AMENDED NOTICE OF NAME CHANGE HEARING NOTICE IS HEREBY GIVEN that a hearing in this case has been set before the Honorable Carl J. Butkus, as follows: Date of Hearing: Thursday, 12th day of February, 2015 at 9:55AM Place of Hearing: Courtroom 502 Second District Judicial Court 400 Lomas NW Albuquerque, NM 87102 Matter to be Heard: Name Change Comments: Length of Hearing: 5 Minutes If this hearing requires more or less time than the court has designated, or if this hearing conflicts with any prior setting, please contact us immediately as continuances may not be granted on late notice. The District Court complies with the Americans with Disabilities Act. Counsel or PRO SE persons may notify the Clerk of the Court of the nature of the disability at least five (5) days before ANY hearing so appropriate accommodations may be made. Please contact us if an interpreter will be needed. /s/ Cindy Molina Certificate of Service I, the undersigned Employee of the District Court of Bernalillo County, New Mexico, do hereby certify that I served a copy of this document to all parties listed below on 1/27/2015 KENDALL O. SCHLENKER

kendallschlenker@yahoo.com Isleta Blvd. SW, Albuquerque, HCS Pub. January 30, February NM February 6, 2015 at 10:00 6, 2015 AM to satisfy the lien claimed

by New Mexico Stor-N-Lock, together with all cost of the sale.

Korey Robles, 510 Sunset Rd SW, Albuquerque, NM 87105 SECOND JUDICIAL DISTRICT Unit H3/4 $300.00 Miscellaneous COURT Julian Neri, 1131 Sun Flower Rd COUNTY OF BERNALILLO SW, Albuquerque, NM 87105.

STATE OF NEW MEXICO Unit D 4 $340.00, Miscellaneous CAUSE NO. CV 2015 00634 Albert Narro, 1136 Mesquite, IN THE MATTER OF THE Bernalillo, NM 87004.

PETITION OF Unit G23/24 , AUDREY M.K. STARKEY 340.00, Miscellaneous FOR CHANGE OF NAME OF New Mexico Stor-N-Lock JOSHUA MICAH CENICEROS may withdraw any of the NOTICE OF PETITION TO above items from the sale at CHANGE NAME any time without prior notice.

(OF PERSON UNDER 14 HCS Pub. January 23, 30, 2015 YEARS OF AGE) NOTICE IS HEREBY GIVEN that AUDREY M.K. STARKEY, has filed a Petition to Change the Name of his/her child, from JOSHUA MICAH CENICEROS TO WHOM IT MAY CONCERN: to JOSHUA MICAH STARKEY. NOTICE IS HEREBY This petition will be heard GIVEN:PURSUANT TO NM before the Honorable JUDGE STATUTES, CHAPTER 314, HB BEATRICE BRICKHOUSE, 273, (Self Storage Lien Act) that District Judge, on the 20th day the following storage unit(s) will of March, 2015, at the hour of be sold on Monday February 2, 11:00 a.m., at the BERNALILLO 2015 at 2:00 PM to satisfy liens County Courthouse, claimed by Albuquerque Self ALBUQUERQUE, New Mexico. Storage, Inc. (13041 Central NE) Respectfully submitted, together with all costs of sale. /s/ Audrey Starkey B-42 McIntire, Susan.

AUDREY M.K. STARKEY 4926 SW 56th Ave #217 Petitioner, pro se Portland OR 97220. Boxes, HCS Pub. January 30, February bags, misc. $ 1018.99 6, 2015 B-48 Hart, Isaac. 13400 Lomas Blvd NE #228 ABQ NM 87112. Pro-form treadmill, TV, Couch

Love Seat, Misc. furn. $ 814.18 C-84 Drake, Kris Allen.

SECOND JUDICIAL DISTRICT 13148 Wenonah Ave SE Apt. COURT C ABQ NM 87123. Love seat, STATE OF NEW MEXICO Chair, Misc.

COUNTY OF BERNALILLO $ 369.43 Case No.: CV 2015 0689 D-90 Rodriquez, IN THE MATTER OF A Cynthia. 1215 E. 1st St. Roswell PETITION FOR NM 88203. Misc. furniture, CHANGE OF NAME OF HHGoods.

Robert Floyd McCain, Jr. $ 571.49 NOTICE OF CHANGE OF D-113 Flanders, Roy. NAME 13400 Lomas NE Apt. 2435 TAKE NOTICE that in accordance ABQ NM 87112. Couch/Love with the provisions of Sec. 40-8- Seat, Computer

1 through Sec. 40-8-3 NMSA equip., Misc. $ 1011.45 1978, the Petitioner Robert Floyd D-114 Markham, Bobbie.

McCain, Jr. will apply to the 425 Western Skies Dr SE Apt. Honorable VALERIE A. MACKIE 711 ABQ NM 87123 . W omens HULING, District Judge of the bike, Misc.

Second Judicial District at the $ 632.24 Bernalillo County Courthouse D-123 Jackson, Herman. at Albuquerque, New Mexico C/o Monica Peoples 557 at 8:45 a.m. on the 12th day Tramway Blvd NE #139 ABQ of March, 2015 for an ORDER NM 87123. Lots of misc., FOR CHANGE OF NAME Recliner. $ 679.48 from Robert Floyd McCain, Jr. N-415 Baca, Vince. to Robert Matthew McCain. 13639 Sunset Canyon Blvd NE Submitted by, ABQ NM 87111. File Cabinet, /s/ Robert Floyd McCain, Jr. Furniture, Misc.

Robert Floyd McCain, Jr. HHGoods. $ 1527.69 Petitioner, pro se N-418 Sanchez, Renee.

HCS Pub. January 30, February 225 Colorado Ave. Pueblo CO 6, 2015 81004. Lots of misc., Misc. furniture. $ 1780.91 F-175 Brown, Ashley.

8806 Phoenix NE ABQ NM 87112. Set of Rims, Stereo STORAGE equip., Speakers, Misc. $ 757.49 AUCTIONS G-198 Williams, Brandon.

865 Market St. Oakland CA 94607. Keyboard, Tub of DVD s, Athletic shoes, Furniture, Lots of Misc. $ 549.49 NEW MEXICO STOR-N-LOCK H-205 Grossklas, Alicia.

220 ISLETA BOULEVARD S W 557 Tramway NE Bldg 7 Apt 167 ALBUQUERQUE, NM 87105 ABQ NM 87123. 2 TVs., Dining (505) 877-8088 room set, Couch, Misc. Furn.

TO WHOM IT MAY CONCERN: $ 1078.57 Notice is hereby given I-276 Taylor, Jeremiah.

Pursuant to New Mexico Statutes C/o Frank Mejia 304 Whispering Sec. 48-3-14 seq. that the Sands Ct SE Apt D ABQ NM following goods will be sold at 220 87123. Suitcase, Duffel bag,

Page 5

Boxes, Lots of misc. $ 423.74 J-284 Valenzuela, Lisa.

401Charleston SE Room D ABQ NM 87108. Suitcases, Bike, Cooler, Misc. boxes. $ 501.38 J-317 Ahlgren, Michelle.

500 Tyler Rd NE #120. ABQ NM 87113. TV, Clothes, Misc. $ 334.39 J-329 Managers Unit – Pittman, Lisa. 3816 Camino Sacramento NE ABQ NM 87111. $621.49 Baker, Adona. 601 Paisano NE ABQ NM 87123. $ 393.78 Walker-Lewis, Mary. 1313 Ortiz St SE Apt. 4 ABQ NM 87108. $ 753.86. Mayes, Jennifer. Gen. Delivery ABQ NM 87108. $ 817.49 TV’s, Wishing well, Table, Furniture, Luggage, Kids bike, Misc.

J-342 Nelson, Cornelia.

1725 Paisano St NE Apt 2 ABQ NM 87112. TV, Tubs, Tables. $ 433.74 J-331 Santiago, Christina. 636 Mountainview Ave NE ABQ NM 87123. Boxes, Misc. $ 585.49 R-530 Candelaria, Vince.

11000 Haines NE ABQ NM 87112. Children s bike, Tubs, Misc. $ 1413.49 R-532 Baca, Vince. 13639 Sunset Canyon Blvd NE ABQ NM 87111.Books, Shelves, Misc. furn., Lots of misc. $ 1527.69 HCS Pub. January 23, 30, 2015

Pursuant to the Self Storage Lien Act (48-11-1 to 48-119 NMSA 1978) On Saturday, February 21, 2014, at 11:00 am, Duffy’s Self-Storage, located at 1378 Vegas Verdes, Santa Fe NM 87507, will offer the following units for sale at auction.

UNIT: (22) Kathleen Jacobson, P.O. Box 31951, Santa Fe, NM 87594. Contents consist of: Furniture and misc. household items.

UNIT: (11) Thomas Baca, 2500 Jackson SW, Albuquerque, NM 87105. Contents consist of: Furniture and misc. household items.

UNIT: (12) Dennis Knicely, 3241 Cattaraugus St, Los Angeles, CA 90034. Contents consist of: Furniture, tools and misc. household items.

Duffy’s Self-Storage reserves the right to set minimum bids; all items sold “as is” without warranty. Units for sale subject to change. CASH ONLY. HCS Pub. January 30, February 6, 2015

Contents of the following unit will be sold at public auction at Alameda Mini & RV Storage located at 10130 2nd St NW, Albuquerque, NM 87114 on February 17, 2015 at 10 AM, in accordance with N.M. Lien Law 48-11-7. Terms of sale are CASH ONLY. We have the right to reserve a minimum bid and to refuse ANY or ALL bids.

Unit #: N 26 (10’X15’ unit) Name: Paul Reinhardt Address: 3736 Eubank Blvd NE City: Albuquerque State: New Mexico Zip: 87111 Description of items: Drill press; rooftop TV antenna; propane bottle; misc. wooden furniture;

Health City Sun LEGAL NOTICES

Page 6

misc. tools; boxes; car ramps; 2009 Toyota Corolla Vin# tires.

1NXBU40E19Z092219 HCS Pub. January 30, February HCS Pub. January 23, 30, 2015 6, 2015

OTHER AUCTIONS Notice of public sale On February 01, 2015 at 8:30 am in the county of Bernalillo and specifically at 109 Headingly Ave NW; Albuquerque, NM 87107 the following vehicles will be sold to satisfy debt incurred.

S

NOTICE OF PUBLIC SALE On March 9, 2015 at 11:30 AM the undersigned will offer to sell the following described motor vehicle in order to satisfy charges for towing, storage and/or labor charges incurred against same 2002 Volkswagen VIN 3VWED21C02M447990.

NM license plate LAA989. Last known registered owner is Yolanda Sedillo of Albuquerque,

NM. In the amount of $750.76.

Terms: Cash in hand at time of sale. Alternative Automotive Repair 2412 Princeton NE Unit F Albuquerque, NM 87107 (505) 974-4440.

HCS Pub. January 23, 30, 2015

NOTICE OF PUBLIC SALE On March 23, 2015 at 2:00 PM the undersigned will offer to sell the following described motor vehicle in order to satisfy charges for towing, storage and/ or labor charges incurred against same: 2006 Chrysler C300

Notice of public sale On April 06, 2015 at 8:30 am in the county of Bernalillo and specifically at 109 Headingly Ave NW; Albuquerque, NM

87107 the following vehicles will be sold to satisfy debt incurred.

1997 Toyota Corolla Vin# 1NXBA02E8VZ528346 HCS Pub. January 30, February 6, 2015

On APRIL 23RD, 2015 at BONES TOWING, the undersigned will offer to sell the following described motor vehicle in order to satisfy charges for towing, storage and/or labor charges incurred against same: Make: FORD Year/Model: 2001 F250 NOTICE OF PUBLIC SALE Title Number: ___ State of New Mexico, VIN: 1FTSW31F61EB41462 County of BERNALILLO License Number: __ Date of notice 01/23/2015 Total amount of charges Location of sale: BONES incurred: $1503.67 TOWING & SALVAGE Terms: Cash in hand on day of sale.

105 DALE SE Date of receipt or return of ABQ. NM 87105 notice of lien: JAN 13TH, 2015.

Time of sale: 10:00 AM HCS Pub. January 30, February Phone number: (505) 243-4813 6, 2015

Boomers Pursue Business Ownership Over Retirement

mall businesses create jobs, help sustain communities and are a driving force behind the U.S. economy. What you may not know is that many take the leap to business ownership as an alternative to traditional retirement.

In fact, 62.2 percent of almost 1,000 small-business clients surveyed

by Guidant Financial are 50 or older, with the highest percentage of new entrepreneurs between the ages of 51 and 58.

Why are many baby boomers leaving corporate America—or postponing retirement—and turning to business startups? According to the survey, approximately 10 percent of respondents cited not being ready to retire or coming out of retirement as their primary reason. For others, dissatisfaction with the corporate lifestyle or position, or fulfilling a lifelong entrepreneurial dream, drove the change.

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VIN 2C3KA43R96H303763.

TX license plate DYK3220.

Last known registered owner is Richard Larios SR of Arlington, TX. In the amount of $1874.80.

Terms: Cash in hand at time of sale. A-Albuquerque Towing 305 Conchas SE Albuquerque, NM 87123 (505) 292-2880.

HCS Pub. January 30, February 6, 2015

January 30, 2015

Many of these entrepreneurs started their “encore” career with the help of a financing option called ROBS, or Rollovers as Business Startups.

ROBS let prospective business owners leverage existing retirement assets to finance a business or purchase a franchise free of tax penalties. ROBS can also be used with traditional funding options, such as SBA loans, for supplemental financing.

For many who have trouble securing necessary business financing, ROBS can help make the startup dream a reality, and can be especially attractive to those who have spent a number of years in a corporate setting acquiring the assets and expertise to make their startup a success.

To learn more, you can call (888) 472-4455 or you can visit www. guidantfinancial.com.

- (NAPSI)

Even With A Late Start, There Are Ways To Invest For Retirement f you’re worried that you haven’t saved enough for retirement, you are not alone.

As they near retirement, many people find they are less than confident that their savings or monthly Social Security check will be adequate to meet their financial needs.

Fortunately, if you are in your 40s or 50s and have a decade or more before retirement, you still have time to take meaningful steps toward building your retirement nest egg.

To help, here are some tips from the experts at First Investors.

First Things First To start, you should evaluate the potential sources of your retirement income. Social Security is one traditional source. To get an estimate of your Social Security benefits, visit the program’s website at www.ssa.gov/ mystatement.

Company pensions may be another source of retirement funds, although they are far less common today. Even if you will one day be a recipient of one or both of these programs’ benefits, they will likely provide only a portion of what you’ll need to live comfortably. That means that your personal savings and investments must generate a significant part of your retirement income.

Jump-Start Your Investments Since you’re getting a late start, you’ll want to get the biggest “bang for your buck” from your investments. Here are some strategies to consider: • Get with the program—It’s always a good idea to use tax-advantaged programs. If your employer sponsors a retirement plan, such as a 401(k) or SIMPLE IRA, you should consider enrolling. If you’re self-employed, look into establishing a retirement plan such as a Simplified Employee Pension (SEP). Although plans differ in a number of ways, all offer taxdeferred contributions and growth, which help your funds accumulate faster than they would in a taxable account. Some companies even make

matching contributions to employee accounts, which is something you’ll want to take advantage of, if available.

• Open an IRA—Even if you contribute to an employer-sponsored plan, you may want to go one step further and open an individual retirement account (IRA).

Traditional IRAs offer tax—deferred growth and penalty-free withdrawals in certain eligible situations. Roth IRAs offer tax-free growth and tax-free withdrawals for qualified distributions. And don’t forget an IRA for your spouse.

• Go on automatic pilot—The old adage of “pay yourself first” is still a valid idea, particularly with investments. One way is to sign up for a systematic investment plan, whereby a fixed amount of money is automatically transferred on a regular basis from your paycheck or bank account into your investment account.

• Consider variable annuities—If you’ve reached the annual contribution ceilings of your employer-sponsored plan and IRA, you can further supplement your retirement funding with annuities. A variable annuity is a contract with a life insurance company that allows you to accumulate money on a tax-deferred basis. And, unlike other tax-advantaged vehicles, variable annuities do not have an annual contribution limit.

• Get the balance right—Getting the right mix of stock, bond and money market mutual funds is important. For growth potential, you’ll want to have an appropriate allocation of stock mutual funds in your portfolio.

Of course, pursuing faster growth entails greater risks. And with your compressed time horizon, you may have difficulty riding out and rebuilding your portfolio after the inevitable stock market downturns.

• Contact your financial representative—Whether it’s helping you to establish financial goals for retirement, selecting an IRA, offering advice on the right balance in your portfolio or helping you navigate complex risk and tax issues, there are a number of ways you can benefit from a strong relationship with a financial representative.

To learn more, you can visit www.firstinvestors.com. -(NAPSI)

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Booming Resolutions: Steps To Success For Older Adults

he beauty of a New Year is the opportunity to start fresh on the things that matter to you. While the opportunity for new beginnings is exciting, often, people experience resolution pressure, which can inhibit success—particularly when it comes to fitness and health goals. At SilverSneakers® Fitness, the nation’s leading fitness program designed for older adults, we know firsthand the power of goal setting and achievement. The tips below will help guide and inspire you to reach your goals in 2015.

Find Purpose Health and fitness goals must be grounded in motivation. Finding motivation is the most powerful aspect of any fitness plan, and motivation is clearly unique for each person. For some, it is playing with their grandchildren or walking a mile without joint pain; for others, it is maintaining independence at home or traveling abroad without limitations. Identifying this motivation and translating it into an active lifestyle is the first step.

Start Slowly, Be Realistic If you want to ensure lasting positive change in your fitness and health routines, you have to structure the change in a manageable and reasonable way. At SilverSneakers, one of the easiest ways to get started is by taking a FLEX™ class that provides flexible exercise options in your neighborhood that are outside of a traditional gym setting—from classes at your local community center or senior center to your neighborhood park. Once you get started, set a series of small goals that you can celebrate on your path to achieving a long-term goal. Those small celebrations of success will keep the fire fueled for achievement.

Plan for Success, Plan for Failure One of the biggest predictors of success is planning. If you can plan the steps to your fitness goals, the better the results you will realize. Make preparation part of the routine and reassess weekly the days to be active and which days you need to be lenient. This weekly scheduling also al-

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lows you to adjust to unexpected obstacles, allowing time to reflect and readjust for long-term success.

Do What You Love Fitness should be inspiring through activities that reinvigorate, such as tennis, basketball, Latin dance and yoga. In addition to revisiting your past favorites, consider getting out of your comfort zone to find new favorites, so that your new routine is filled with a variety of passion areas. In fact, thanks to the SilverSneakers FLEX classes, you have an array of options that are both in and outside of the gym.

Low Cost, High Impact Achieving your fitness and health goals does not have to be expensive. Programs like SilverSneakers Fitness are offered, usually at no cost, as a benefit through many Medicare Advantage health plans, Medicare Supplement carriers and group retiree plans. In fact, more than 11 million people are eligible for SilverSneakers Fitness.

Activate the Support System Seek new friendships in your fitness routine—peers who will celebrate your successes and share the journey. Camaraderie is one of the reasons SilverSneakers Fitness has been so successful for members—it offers a “fitness family.” Additionally, finding support from a spouse, friend or family member ensures you have the encouragement you need to maintain your dedication at home.

• Sims Corbett is a Senior Learning Designer (ACE and NSCA) at Healthways SilverSneakers® Fitness, the nation’s leading fitness program designed specifically for older adults. For more information, to see if you are eligible for SilverSneakers Fitness and to find a class in your area, visit www.SilverSneakers.com.

-(NAPSI)

Suggestions From Two Big Losers

f you’ve long felt you have a slim chance of getting fit, the inspiring story and useful tips from one father and daughter pair may help in a big way.

Back in 2010, Jay and Jennifer Jacobs were a combined weight of 678.

By May 2011, after being on NBC’s “The Biggest Loser” show, they had lost a combined weight of 295. Now, Jay Jacobs is a wellness ambassador and author and Jen a health coach and certified spinning instructor. They offer these suggestions for a more healthy lifestyle: Tips to Help You • Really get clear what living a healthier life looks like for you. It’s more than just what you weigh, what size clothes you wear. It’s how you feel physically, mentally and whether you’re doing things you love.

• Work it out. Getting to and staying at a healthy weight requires both regular physical activity and a healthy eating plan.

Look for ways to get up and get active. For example, take the stairs, take a walk after dinner, take a parking spot at the far end of the lot. Set aside specific times for physical activity in your schedule and treat it like any other appointment you can’t easily break.

Start slowly and work your way up to more physically challenging activities. If necessary, break up your 30 minutes of daily activity into three 10-minute sessions or two 15-minute sessions.

Have a workout buddy. Activities with friends or family members can help with motivation. Surround yourself with like-minded people who value living a healthier lifestyle and have a can-do mind-set.

• Read up. Surf healthy recipe websites; read health, wellness and exercise magazines and books.

• Live mindfully. Always be aware of your thoughts, your self-talk; are you moving toward “I can” or “I can’t”? Consider this: What you’re for strengthens you, what you’re against weakens you.

• Relax. Find a few minutes to pause and reflect before you start your day, midday, or at the end of the day about your health and wellness goals and plans.

• Eat right. A good diet emphasizes fruits, nuts, vegetables, whole grains, fat-free or low-fat dairy products, lean meats, poultry, fish, beans and eggs, and is low in saturated fats, trans fats, cholesterol, salt and added sugars.

• Drink to your health. Choose drinks without calories, such as water, sparkling water or unsweetened iced tea. Drink fat-free or low-fat milk.

• Plan and prepare for success. Take a few minutes to really think what your day’s going to be like so that you can make sure you’ve got an entourage of smart snacks that you love and a back- up plan to have a few extra options on hand if you need some extra energy, or your mood changes.

For example, for many years, the Jacobses have enjoyed a snack bar made of simple and wholesome ingredients: fruits, nuts and spices. “It’s a choice you can feel good about to provide a boost of energy between your meals,” Jay said. The LÄRABAR, the Original Fruit & Nut Bar, is minimally processed, keeping the ingredients as close to their natural state as possible. There’s no sugar added (except for the bars that contain chocolate chips) and all the ingredients are gluten free, kosher and non-GMO. “Plus, they’re easy to grab and perfect for on the go,” added Jennifer.

Learn More For further facts and tips, visit www.larabar.com.

-(NAPSI)

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When It Comes To Saving And Investing, Make Time Your Friend

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hile many find it’s easier to make excuses than to make a commitment to save, it doesn’t have to be that way. The key is to have a plan you can follow and stick with it. To help you get started, here are some tips.

The Need For Savings For those who seek financial security, savings need to be understood as a necessity, along with food, shelter and clothing. Every household should strive to have a cushion of savings in place—generally enough to cover three to six months’ worth of expenses-in case of an emergency or a sudden loss of income.

It’s also a good idea to have life insurance in place as well as investments for those long-term life goals, such as funding a college education, buying a home and building a nest egg for retirement.

Make Time A Resource When it comes to saving and investing, time can often be your strongest ally. Take the case of Amy and Sam. Amy began a new job, and at age 25, made the decision to begin investing right away. She committed to saving $200 a month, every month, until retirement age. Assuming an average annual investment return of 8 percent, Amy will have amassed $702,856 by age 65.

Sam, on the other hand, procrastinated. He put off contributing to an investment account until age 40. Sam tried to catch up, contributing $400 a month until he reached age 65. His investment also returned an average of 8 percent per year.

However, by retirement age, Sam will only have $382,947 in his account—almost $320,000 less than the amount amassed by Amy. Over time, Amy ended up contributing $96,000 to her account, while Sam contributed $120,000 to his. In his attempt to catch up, Sam contributed 25 percent more to his account than Amy did; yet her account was worth over 83 percent more at age 65.

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Though the case of Amy and Sam is hypothetical, it does illustrate the power of compounding over time. However, in the real world of investing, time has another advantage. Generally, the more time you have, the more aggressive you can be with your investments. Long-term investors can ride out market cycles, allowing them to invest more aggressively and potentially reap greater returns.

Track Your Expenses Balancing your monthly budget is a prerequisite to any sound financial strategy. Start by writing down your expenditures for one month. Make sure to include every purchase, no matter how small it might seem. Once you write down your expenses, sort them according to categories such as household, food, transportation, health, debt and miscellaneous. This way, you can see exactly where your money is going and recognize where you can make adjustments to your budget.

At the end of the month, tally up all your expenses and subtract them from your income. Even if your expenses don’t exceed your income, that doesn’t necessarily mean your buying habits are under control.

Your monthly budget should also include allocations for savings and investments. How much depends on your needs and goals, but many experts suggest setting aside at least 10 percent of your income to these categories.

Consult A Representative A financial representative can be a valuable resource at any stage of your life. He or she can give you an estimate of the necessary life insurance coverage, as well as a realistic projection of education costs. A representative can also discuss which financial products may be suitable for your unique needs and make specific investment and insurance recommendations.

To learn more, you can visit www.firstinvestors.com. .-(NAPSI)