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January 12, 2024
New Mexico’s Legal & Financial Weekly
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AI in Homebuying: Separating Fact from Fiction
Vol. 10.104 No. 2
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T
he homebuying journey has undergone a radical transformation in the digital age. Long gone are the days of sifting through stacks of paperwork, replaced by a streamlined, tech-driven consumer experience. As part of this progression, artificial intelligence (AI) is being woven into the fabric of daily life and has the potential to have a massive effect on the path to homeownership, offering tools that make finding and purchasing a home easier than ever before.
Sponsored copy courtesy of PrimeTimeNM.com
How AI Changes Homebuying AI has the power to streamline the mortgage process—often the most daunting part of homebuying. A 2023 report by LiveVox found that AI-driven customer experiences scored 20% higher in satisfaction than traditional human-led approaches. Companies such as Rocket Mortgage are now automating document collection, verifying information instantly and even showing loan officers the best mortgage products for their clients. This efficiency speeds up the process and increases confidence for consumers. “AI is not just a technological advancement, it is a transformative force reshaping the homebuying landscape,” said Brian Woodring, Chief Information Officer for Rocket Mortgage. “AI is the compass guiding us toward a future where homeownership is accessible and stress free for everyone.”
negotiation skills and emotional support that AI simply cannot replicate.
Beyond the financing, remote home tours—powered by AI—can virtually This combination of AI with the human touch is already showing results. transport shoppers to a prospective home, letting them explore every In fact, over the last year, Rocket Mortgage saw it help shorten the amount nook and cranny with 360-degree views. AI-driven platforms can also sift of time it takes their clients to close on a home purchase by nearly 20%. through mountains of listings to recommend homes that match a buyer’s AI can handle the heavy lifting of data processing and provide valuable preferences, budget and lifestyle, creating a personalized experience and insights, but it takes a backseat where humans perform best—building saving countless hours of manual search. meaningful connections. The Importance of Human Involvement with AI
The Future Of Homebuying
While AI is certainly transformative, it is not a one-size-fits-all solution. As consumers embark on their homeownership adventure, AI will open When it comes to such things as credit decisioning, humans still take doors while the professionals will help them cross the threshold into their the lead. Credit decisions are complex and nuanced, requiring a deep new home. understanding of a person’s financial history and current circumstances. AI can provide data and options, but the final call should always be made by Learn More a human who can interpret the subtleties and make an informed decision. For further facts and stats on buying a home, visit www.rocketmortgage. Moreover, AI cannot replace the personal touch of a real estate agent or the com. reassurance and expertise of a loan officer. These human interactions and relationships are vital to the homebuying experience, providing knowledge, -(NAPSI)
Page 2
SUITS
Health City Sun LEGAL NOTICES
January 12, 2024
hereby further notified that a The name and post office District, State of New Mexico, STATE OF NEW MEXICO persons having claims against Petition to condemn for public address of the Attorneys for the Bernalillo County, New Mexico. COUNTY OF BERNALILLO this Estate are required to highway purposes has been Plaintiff is as follows: Aldridge, MOSES, FARMER, GLENN, SECOND JUDICIAL DISTRICT present their claims within four filed against you with the Clerk Hammar & Wexler, P.A., 1212 GUTIERREZ, & WERNTZ, P.C. COURT (4) months after the date of the of the District Court Bernalillo Pennsylvania, NE, Albuquerque, /s/ Kathleen T. Ahghar No. D-202-PB-2023-00817 last publication of this Notice or County, New Mexico, in which New Mexico 87110. Attorney for Joseph A. Cruz, IN THE MATTER OF THE their claims will be forever barred. STATE OF NEW MEXICO county the property, or a part WITNESS the Honorable Personal Representative for ESTATE OF Claims must be presented either COUNTY OF BERNALILLO thereof, is located, and which the Estate of Frances M. Cruz, ROGER E SKINNER, JR., to Ramon Garcia, Personal SECOND JUDICIAL DISTRICT property is described as: Elaine P. Lujan, District Judge Deceased of the Second Judicial District DECEASED Representative, c/o the Law COURT 205 Rio Bravo Blvd. SW -87105. Court of the State of New P.O. Box 27047 NOTICE TO CREDITORS Office of Benjamin Hancock, NO. D-202-DM-2023-03301 and the above property is more Mexico, and the seal of the Albuquerque, NM 87125-7047 NOTICE IS HEREBY GIVEN One Towne Centre, 6121 IN THE MATTER OF THE particularly described under its Telephone (505) 843-9440 District Court of Bernalillo that DONNA S. SKINNER Indian School Road NE, Suite KINSHIP GUARDIANSHIP parcel number in the Petition Kathleen@moseslaw.com County on 1/4/2024, 2024. has been appointed personal 206, Albuquerque, NM 87110, OF A.S.V., minor child. on file in this cause, and that HCS Pub. December 29, 2023, Katina Watson representative of this estate. All or filed with the Thirteenth AND CONCERNING such highway project has been January 5, 12, 2024 persons having claims against Judicial District Court of Yvonne Suzette Montoya, designated New Mexico Project CLERK OF THE DISTRICT COURT this estate are required to Sandoval County, New Mexico. Petitioner and No. 2nd and Rio Bravo Blvd present their claims within four DATED: January 2, 2024 Adrianna Theresa Valdez, (NM500) Intersection Project is By: /s/ Marissa Marquez (4) months after the date of the /s/ Ramon Garcia NMDOT PCN A300942, BCPW Deputy Clerk Respondent. first publication of this notice Personal Representative NOTICE OF PENDENCY OF Number is TS.2014.2NDRIO. HCS Pub. January 12, 19, 26, or within sixty (60) days after Prepared by: 205 Rio Bravo Blvd. SW -87105, 2024 ACTION STATE OF NEW MEXICO mailing or other delivery of this LAW OFFICE OF BENJAMIN STATE OF NEW MEXICO to in Bernalillo County, New Mexico. COUNTY OF BERNALILLO notice, whichever is later, or the HANCOCK, P.C. the above-named Respondent You, and each of you are hereby IN THE SECOND JUDICIAL claims will be forever barred. /s/ Benjamin Hancock Unknown Father, GREETINGS: further notified that the amount DISTRICT COURT Claims must be presented either 6121 Indian School Road NE, You are hereby notified that offered as just compensation, NO. D-202-PB-2023-00862 to: 1) the undersigned personal Suite 206 the above-named Petitioner shown with each separate IN THE MATTER OF THE STATE OF NEW MEXICO representative at his attorney’s Albuquerque, NM 87110 has filed a Petition for Kinship numerical parcel designation, ESTATE OF COUNTY OF BERNALILLO address as listed below; or 2) 505-508-4343 Guardianship of Arrayah has been deposited by the ELOISE V. WORKINGS, Petitioner with the Clerk of the SECOND JUDICIAL DISTRICT filed with the Second Judicial ben@benhancocklaw.com Stephanie Valdez born Deceased. District Court and a portion or COURT District Court at the following Attorney for Personal November 2009 in Clark County, NOTICE TO KNOWN all of the amount offered may No. D-202-DM-2023-03297 address: 400 Lomas Blvd NW, Representative Nevada to Adrianna Theresa CREDITORS be withdrawn by a person SURI ESBEIDY RUBI ACOSTA, Albuquerque, New Mexico 87102. HCS Pub. January 12, 19, 26, Valdez and Unknown Father. NOTICE IS HEREBY GIVEN having an estate or interest in DATED: January 2, 2024 2024 You are further notified that the property described in the Petitioner, that the undersigned has Respectfully submitted, unless you file a written response Petition on file. This withdrawal -vsbeen appointed Personal HURLEY TOEVS STYLES to the Petition by no later than may be made only by order of JONATHAN ARTURO Representative of this estate. All HAMBLIN & PANTER PA thirty days from this publication the Court upon proper motion. PALERMO MERIDA, persons having claims against By Electronically signed /s/ with the Court Clerk, Second You, and each of you are hereby Respondent. this estate are required to Judicial District Court, Bernalillo commanded to file and serve an NOTICE OF PENDENCY OF present their claims within four Mandeep S. Talwar ACTION Mandeep S. Talwar, Esq. STATE OF NEW MEXICO County, New Mexico, with a answer, as provided by law, to (4) months after the date of the IN THE PROBATE COURT copy to the Petitioner’s attorney, the Petition on file herein within NOTICE OF PENDENCY OF first publication of any published Attorneys for Personal BERNALILLO COUNTY or appear at the hearing on thirty (30) days after service ACTION IN THE STATE OF notice to creditors or the date Representative No. 2023 1305 March 18, 2024 at 10:00 a.m., of this Notice on you or thirty NEW MEXICO to Respondent of mailing or the delivery of this PO Box 31670 Arturo Palermo Albuquerque, NM 87109 IN THE MATTER OF THE the Court may enter a default (30) days after the last date of Jonathan notice, whichever is later, or the ESTATE OF judgment in your absence. publication of this Notice, if you Merida, biological parent of claims will be forever barred. (505) 888-1188 MATILDA MARY GARCIA, are not personally served. Unless Sherlyn Palermo Rubi, Anyer Claims must be presented either HCS Pub. January 5, 12, 19, Petitioner’s attorney: DECEASED. you so appear and answer, the Palermo Rubi, and Esbeidy to the undersigned Personal 2024 /s/ Verenice Peregrino Pompa NOTICE TO CREDITORS Petitioner will apply to the Court Palermo Rubi, minor children. Representative at the address Verenice Peregrino Pompa NOTICE IS HEREBY GIVEN for judgment as provided by You are hereby notified that Pegasus Legal Services for listed below, or filed with the that the undersigned has law. This judgment will fix the Suri Esbeidy Rubi Acosta, Children Second Judicial District Court, amount of compensation due to Petitioner, has filed a Petition to been appointed personal 505 Marquette Ave NW Bernalillo County Courthouse, you for the condemnation of the Establish Parentage, Determine representative of the estate Suite 1350 New Mexico. property at the amount offered Custody, Time-Sharing and Child Albuquerque, STATE OF NEW MEXICO of the decedent. All persons Albuquerque, NM 87102 and deposited by Petitioner. Support. Unless you enter your Dated: December 14, 2023 IN THE PROBATE COURT OF having claims against the estate 505-244-1101 /s/ William J. Lock The name and address of appearance in said cause on or BERNALILLO COUNTY of the decedent are required HCS Pub. December 29, 2023, WILLIAM J. LOCK attorney for Petitioner is Pete before the 24 day of February, No. 2023-1153 to present their claims within January 5, 12, 2024 V. Domenici, Jr., Domenici Law 2024, a judgment by default Personal Representative IN THE MATTER OF THE four (4) months after the date 5732 Osuna Road NE Firm, P. C. 320 Gold Ave. SW will be entered against you. ESTATE OF of the first publication of any Albuquerque, NM 87109 Suite 1000, Albuquerque, NM Attorney for Petitioner is CRISTOBAL E. CHAVEZ, published notice to creditors or (505) 880-1200 Voice 87102 (505) 883-6250 Yarithza Peña, Esq., 500 4th St DECEASED sixty (60) days after the date of (505) 881·2444 Fax IN WITNESS WHEREOF, I NW #1000, Albuquerque, NM NOTICE TO CREDITORS mailing or other delivery of this HCS Pub. December 29, 2023, have hereunto set my hand 87102, NOTICE IS HEREBY GIVEN, notice, whichever is later, or the STATE OF NEW MEXICO and seal of the District Court January 5, 12, 2024 505-848-1800. by and through his attorney, claims will be forever barred. COUNTY OF BERNALILLO of Bernalillo County, New Jason Marks, Esq., that Priscilla Claims must be presented either SECOND JUDICIAL DISTRICT Mexico, this day of , 2023. WITNESS the Honorable Gerard J. Lavelle, District Judge of the Speidel has been appointed to the undersigned personal No. D-202-CV-2023-05581 Clerk of the District Court Second Judicial District Court personal representative of the representative at the address BERNALILLO COUNTY (SEAL) of the State of New Mexico, above captioned estate. All listed below, or filed with the BOARD OF COUNTY By: and the seal of the District persons having claims against Probate Court of Bernalillo COMMISSIONERS, Deputy STATE OF NEW MEXICO Petitioner, this estate are required to County, New Mexico, located HCS Pub. December 29, 2023, Court of Bernalillo County, COUNTY OF BERNALILLO vs. this 08 day of January, 2024. present their claims within four at the following address: January 5, 12, 2024 SECOND JUDICIAL DISTRICT WESTERN REFINERY RETAIL, KATINA WATSON (4) months after the date of the Dated: December 18, 2023 COURT LLC, CLERK OF THE DISTRICT first publication of this notice, or /s/ Elizabeth A. Garcia No. D-202-PB-2023-00896 A Delaware Limited Liability COURT the claims will be forever barred. Elizabeth A. Garcia IN THE MATTER OF THE Corporation, (COURT SEAL) Claims must be presented either 716 Madison Street NE ESTATE OF PROPERTY TAX DIVISION OF By: /s/ Josiah R Bourquet to the personal representative, Albuquerque, NM 87110 MARLYS NAURINE MANN THE TAXATION Deputy Clerk through his attorney at the (505) 238-2697 STATE OF NEW MEXICO LESLEY, DECEASED AND REVENUE HCS Pub. January 12, 19, 26, address listed below, or filed Egarcia337@gmail.com COUNTY OF BERNALILLO NOTICE TO CREDITORS DEPARTMENT, 2024 with the Bernalillo County HCS Pub. January 12, 19, 26, SECOND JUDICIAL DISTRICT NOTICE IS HEREBY GIVEN ALL UNKNOWN OWNERS OR Probate Court, at the following 2024 COURT that has been appointed CLAIMANTS OF address: 415 Silver Ave SW, NO. D-202-CV-2023-05843 THE PROPERTY INVOLVED, personal representative of this Albuquerque, NM 87102. KIRTLAND CREDIT UNION, Defendants. estate. All persons having claims Dated: December 20, 2021 Plaintiff, NOTICE OF PRELIMINARY against this estate are required /s/ Jason Marks v. ORDER OF ENTRY AND to present their claims within PROBATE Jason Marks, Attorney for NOTICE OF CONDEMNATION PATRICIA M. GONZALES, four (4) months after the date Priscilla Speidel, Personal STATE OF NEW MEXICO TO: The above-named Defendant. of the first publication of this Representative COUNTY OF BERNALILLO Defendants, and each of you: NOTICE OF PENDENCY OF notice or within sixty (60) days 1501 First Street NW SECOND JUDICIAL DISTRICT You, and each of you, are ACTION after mailing or other delivery of Albuquerque, NM 87102 COURT hereby notified that the Court THE STATE OF NEW MEXICO this notice, whichever is later, or STATE OF NEW MEXICO 505.385.4435 – Phone No. D-202-PB-2023-00903 has granted the Petitioner a TO THE FOLLOWING the claims will be forever barred. COUNTY OF BERNALILLO HCS Pub. January 12, 19, 26, In the Matter of the Estate of Preliminary Order of Entry to NAMED OR DESIGNATED SECOND JUDICIAL DISTRICT Claims must be presented either 2024 ROBERT M. FRIBERG, immediately enter and occupy DEFENDANT: to: 1) the undersigned personal NO. D-202-PB-2023-00402 Deceased the property described below PATRICIA M. GONZALES representative at his attorney’s and to do such work thereon as GREETINGS DEFENDANT(S): IN THE MATTER OF THE NOTICE TO CREDITORS address as listed below; or 2) may be required, and that unless You are hereby notified that ESTATE OF NOTICE IS HEREBY GIVEN filed with the Second Judicial you file objections thereto within Kirtland Credit Union, as FRANCES M. CRUZ, that the undersigned has District Court at the following DECEASED ten (10) days after personal been appointed Personal Plaintiff, has filed an action in the address: 400 Lomas Blvd NW, NOTICE TO CREDITORS service of this Notice upon you, STATE OF NEW MEXICO Representative of this estate. Second Judicial District Court of Joseph Albuquerque, New Mexico 87102. A. Cruz has or within three (3) days after COUNTY OF SANDOVAL All persons having claims Bernalillo County, New Mexico, been appointed Personal DATED: January 2, 2024 the last date of publication of THIRTEENTH JUDICIAL against this estate are required and wherein the said Plaintiff Representative of the Estate of Respectfully submitted, this Notice, if you were not DISTRICT COURT to present their claims within seeks to obtain constructive Frances M. Cruz, Deceased. HURLEY TOEVS STYLES personally served, the Court Case No. D-1329four months after the date service of process upon you. All persons having claims HAMBLIN & PANTER PA shall enter a Permanent Order PB-2023-00205 of the first publication of this The general object of said against this Estate are required By Electronically signed /s/ of Entry, restraining you forever IN THE MATTER OF THE Notice or the claims will be from hindering or interfering with action is: Civil Complaint to present their claims within Mandeep S. Talwar ESTATE forever barred. Claims must for Deficiency Balance Due four months after the date the occupation and use of the Mandeep S. Talwar, Esq. OF FRANK S. GARCIA, be presented either to David A. property; and, further, that all You are further notified that of the first publication of this Attorneys for Personal Deceased. Finlayson, attorney for the estate Notice or the claims will be unless you serve a pleading proceedings subsequent to the Representative NOTICE TO CREDITORS of ROBERT M. FRIBERG, at Permanent Order of Entry or motion in response to the forever barred. Claims must be PO Box 31670 NOTICE IS HEREBY GIVEN FINLAYSON LAW FIRM, PC, shall deal only with the amount complaint in said cause on or presented either to the Personal Albuquerque, NM 87109 that the undersigned has 7301 Jefferson Street NE, Suite of compensation due to you before thirty (30) days after the Representative at the address (505) 888-1188 been appointed as Personal F, Albuquerque, NM 87109, or for the taking of the property. last publication date, judgment shown below, or filed with the HCS Pub. January 5, 12, 19, Representative of this Estate. All filed with the Second Judicial You, and each of you, are will be entered against you. District Court of Second Judicial 2024
January 12, 2024
Health City Sun LEGAL NOTICES
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District Court, Bernalillo County Street NE, Albuquerque, New or other delivery of this notice, present their claims within four for a minimum bid. CASH ONLY Las Cruces, NM 88007 Courthouse, 400 Lomas Blvd Mexico 87110, or filed with whichever is later, or the claims (4) months after the date of the Unit H7 10x20: Don Stolier, 575 382-0000 NW, Albuquerque, NM 87102. the Second Judicial District will be forever barred. Claims first publication of any published 8825 South 7th St, Phoenix, BEGINNING ON TUESDAY Dated: December 18, 2023 Court, Bernalillo County, 400 must be presented to JUDITH notice to creditors, or the claims AZ 85042 - ladder, shelving, JAN. 30th, 2024, AT 10 A.M. /s/ Barbara M. Friberg Lomas Blvd NW, Albuquerque, W. McCOY at 13627 Indian will be forever barred. Claims bike, clocks, folding table, misc AND ENDING ON FRIDAY BARBARA E. M. FRIBERG, New Mexico 87102. School Road NE Albuquerque, must be either be presented boxes and household items FEB 2nd, 2024 AT 10 A.M. Personal Representative NM 87112, or to Walk-In to Personal Representative, Unit H28 5x10: Brent Lash, 180 THE ENTIRE CONTENTS OF Dated: January 7, 2024. FINLAYSON LAW FIRM, PC Wills Carlisle, P.C. (Carlos A. c/o The Law Offices of Erika Big Sky SW, Los Lunas, NM 87031 STORAGE UNITS: 432 & 629 /s/ Avedon Montano, Jr. By: /s/ David A. Finlayson Jauregui, Esq.) at 2000 Carlisle E. Anderson, 105 Bryn Mawr - Husky tool bag, duffle bags, (Tenant address is “last known”) Avedon Montano, Jr. David A. Finlayson Blvd NE, Suite G, Albuquerque, Drive SE Albuquerque, New car seat, misc. household items UNIT 432 1041 Peach Court SE Attorney for the Personal NM 87110, and may be filed Mexico 87106, or filed with the HCS Pub. January 12, 19, 2024 MELODRINA OGNAN Los Lunas, NM 87031 Representative of the Estate with the Probate Court of Second Judicial District Court 704 DOGWOOD DR. (505) 261-5432 of ROBERT M. FRIBERG, Bernalillo County, New Mexico. located at 400 Lomas Blvd. NW, ELIZABETHTOWN, KY 42701 Personal Representative Deceased Albuquerque, New Mexico 87102. Unit items consist of: Furniture, NEW MEXICO LEGAL GROUP, Dated: January 5, 2024 7301 Jefferson Street NE, /s/ Judith W. McCoy PREPARED BY: Dryer, Totes, Bags, misc. items P.C. Suite F JUDITH W. MCCOY, LAW OFFICES OF ERIKA E. By /s/ Matthew Barceleau Notice is hereby given, Pursuant UNIT 629 Albuquerque, NM 87109 Personal Representative ANDERSON Matthew Barceleau to New Mexico Self-Storage KATIANNA K. VELARDE (505) 373-3500 Walk-In Wills Carlisle, P.C. By: /s/ Erika E. Anderson Attorney for the Estate Lien Act (48-11-1 to 48-11-9). 228 W. LUCERO HCS Pub. January 12, 19, 26, By /s/ Carlos A. Jauregui Erika E. Anderson 2701 Arizona Street NE Los Lunas Self Storage located LAS CRUCES, NM 88005 2024 Carlos A. Jauregui, Esq. Mitchel J. Olson items consist of: Albuquerque, New Mexico at 3507 Hwy 47,Los Lunas, Unit 2000 Carlisle Blvd NE, Suite G 105 Byrn Mawr Dr. SE Box Spring, 87110 NM 87031 will be selling the Mattress, Albuquerque, New Mexico Albuquerque, NM 87106 Bags, Clothing. (505) 843-7303 following units to satisfy the Plastic 87110 Telephone: (505) 944-9039 mbarceleau@ Owner(s) Lien. Sale is to be HCS Pub. January 12, 19, 2024 (505) 903-7000 erika@eandersonlaw.com newmexicolegalgroup.com held 10:30am, January 22, 2024. STATE OF NEW MEXICO Attorneys for Personal mitchel@enadersonlaw.com HCS Pub. January 12, 19, 26, Owner(s) reserve the right to ask COUNTY OF BERNALILLO Representative Attorneys for Personal 2024 for a minimum bid. CASH ONLY SECOND JUDICIAL DISTRICT HCS Pub. January 12, 19, 26, Representative Unit F26 5x10: Rebecca COURT 2024 HCS Pub. January 12, 19, 26, Vidro, 1450 Adela Lane Case No. D-2022024 NOTICE OF PUBLIC A202, Los Lunas, NM 87031 PB-2023-00899 AUCTION: Mirror, backpacks, Bed IN THE MATTER OF THE STATE OF NEW MEXICO frame, misc. household item Lien sale will be held via ESTATE PROBATE COURT HCS Pub. January 12, 19, 2024 competitive bidding by Route 66 OF AVEDON MONTANO, SR. STATE OF NEW MEXICO Self Storage, 9500 Central Ave BERNALILLO COUNTY Deceased. COUNTY OF BERNALILLO STORAGE SW, Albuquerque NM 87121 on No. 2023-1327 NOTICE TO CREDITORS SECOND JUDICIAL DISTRICT January 29th, 2024 at 6 PM. More IN THE MATTER OF THE NOTICE IS HEREBY GIVEN the ESTATE OF COURT AUCTIONS info at https://storageauctions. undersigned has been appointed JOHN G. MCCOY, Deceased. No. D-202-PB-2023-00911 net/f/fxQ. Online bidding Personal Representative of the IN THE MATTER OF THE available for storage: NOTICE TO CREDITORS NOTICE OF PUBLIC SALE Estate of Avedon Montano, Sr., JUDITH W. McCOY, has ESTATE OF Gonzalez-Munoz, Notice is hereby given that the Armando Deceased. All persons having been Notice is hereby given, Pursuant following property shall be sold Unit 305, 2505 Marta appointed Personal DOLORES ANN HANCE, claims against this Estate are Representative of the Estate of DECEASED. to New Mexico Self-Storage at public auction or otherwise Way SW Albuquerque, required to present their claims JOHN G. MCCOY, deceased. All NOTICE TO CREDITORS Lien Act (48-11-1 to 48-11-9). disposed, of in satisfaction of NM 87121, household within four (4) months after the persons having claims against NOTICE IS HEREBY GIVEN Los Lunas Self Storage located lien, in accordance with the New Purchases must be made with date of the first publication of this this Estate are required to that Rachel Marie Hance has at 290 Los Morros Rd NW, Los Mexico Self Storage Lien Act. Money order only and paid for Notice or the claims will be forever present their claims within four been appointed Personal Lunas, NM 87031 will be selling To be held over the internet at the time of sale. All goods barred. Claims must either (4) months after the date of the Representative of the Estate of the following units to satisfy the at: storagetreasures.com are sold as is and must be be presented to the Personal first publication of any published Decedent. All persons having Owner(s) Lien. Sale is to be held By DISCOUNT SELF removed at the time of purchase. Representative, c/o New Mexico notice to creditors or sixty (60) claims against the Estate at 9:30am, January 22, 2024. STORAGE Sale is subject to adjournment. Legal Group, P.C., 2701 Arizona days after the date of mailing of Decedent are required to Owner(s) reserve the right to ask 2499 El Camino Real HCS Pub. January 12, 19, 2024
Non-Surgical GentleCure™ Treatment Cures 50,000th Skin Cancer Patient
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ifty thousand people in the U.S. have had their skin cancer cured without going to hospitals or undergoing traditional Mohs surgery, avoiding that treatment’s pain, bleeding, surgical scarring and, often, need for follow-up reconstructive surgery.
Dr. Hendrix noted, “More than three million Americans are diagnosed with nonmelanoma skin cancer each year, making it the most common form of cancer. Sun exposure is the primary cause and year-round sun effects are cumulative over one’s lifetime, so those who spend a lot of time outdoors plus seniors, those with light skin, users of tanning beds and people with family histories of skin cancer are especially susceptible. With all its advantages, GentleCure is the new non-invasive standard of care.”
The nation’s 50,000th case of curing common (nonmelanoma) skin cancer with GentleCure™, the non-surgical treatment using Image-Guided Superficial Radiation Therapy or Image-Guided SRT, occurred at Reading Dermatology, the private Pennsylvania practice of Jason Hendrix, DO. The patient was Jeffrey Keating, D.P.M., a 74-year-old retired podiatrist from Birdsboro, Pennsylvania, whose lifelong habits of golfing, sailing and driving in his top-down convertible likely contributed to his history of skin cancer. “I had Mohs surgery years earlier for a lesion on my calf,” Keating said, “but this time, with three lesions on my face, my doctor and I chose non-surgical GentleCure and the results were outstanding.”
process and results.”
Patient Keating added, “As a physician myself, I know that it’s critically important for patients to understand all their treatment options. Having experienced Mohs surgery, the idea of no pain or scarring with GentleCure was very attractive. Actually seeing the cancer shrink and disappear on the ultrasound imaging screen was so reassuring. I have a friend who had Mohs surgery on a facial lesion, and he had a flap of skin cut from his scalp and stretched over the site of his excised lesion; that was not something I wanted to experience. Today, I am fully cured and could not be happier with the GentleCure
With GentleCure, doctors treat nonmelanoma skin cancer (basal and squamous cell carcinomas) using ultrasound imaging to direct low-level For more information and to learn where Image-Guided SRT is available, X-ray energy to targeted areas of the skin, killing cancer cells without visit GentleCure.com. surgery. Research shows that the technology produces a 99.3 percent cure rate for early stage nonmelanoma skin cancer, making it just as effective as Mohs surgery, and treatments are covered by Medicare and most insurance -(NewsUSA) plans.
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January 12, 2024 www.healthcitysun.com
C O M M E N TA R Y
Password Rage—What It Is, How To Avoid It
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f you’re like most people, a frustrating online password process has put you in a bad mood. In fact, according to a recent Aware survey, more than half of consumers report that having to go through a password reset process has negatively impacted their mood—or even their day—while two out of three actively avoid or dread irritating password reset processes. A Problem
proactive workarounds. Perhaps the best solution is to not use passwords altogether, opting for a method with much higher security, such as biometrics—which authenticate individual people through their faceprint, voiceprint, fingerprints or iris scan for superior convenience and security. The survey showed an overwhelming willingness among consumers to replace passwords with biometrics for most popular online services.
If that’s not possible, try to avoid “Password rage” describes what forgetting your passwords in the first happens after someone has endured place. Come up with a few complex too much password-related stress or fatigue, such as having to remember different (and long) passwords for every variations of the same password that would be easy for you to remember, account; being locked out of an account; or having to reset a password or set but difficult for a hacker to guess. If you absolutely must write this password up a new password-based account in order to purchase something online. down, keep it in a sealed, unmarked envelope or a locked desk drawer.? Unfortunately, password rage can drive people to extremes, with more than half of consumers noting they have given up on purchasing a product or Alternatively, consider using a password manager (which generates strong passwords and stores them all in one encrypted place, alleviating the service because they couldn’t remember their password. burden of having to remember individual passwords for every account) Common reactions to password rage include yelling at a partner/spouse/ or a spreadsheet to keep track of all your passwords. However, as the roommate or children; binge eating or drinking; and taking a nap. With recent LastPass hack unfortunately demonstrated, these aren’t necessarily such negative consequences, what can be done to minimize the risk and the safest or most viable option. What if you forget the password to your password manager or the spreadsheet gets deleted? That would be an easy negative impacts of password rage?? way to reignite your password rage.? Stay in Control … And When You’re Ready, Consider Alternative As long as passwords are the most common way to secure online accounts, Approaches? the threat of password rage will be here to stay, since people increasingly The best thing to do when suffering from password rage is to walk away rely on online services and mobile apps. from the computer and distract yourself until the anger subsides. Take a Learn More walk or a deep breath, and try again later. Longer-term, however, you may wish to come up with some new processes or For further facts and tips, visit www.aware.com.
-(NAPSI)
Hobby Shops and Recreational Buildings Popping Up All Over
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f you’re like many homeowners seeking to enhance your property and support your lifestyle interests, adding a freestanding hobby shop, vehicle storage building or recreational facility can be a great idea.
Many owners of boats, RVs and other recreational vehicles, such as motorcycles and ATVs, he added, want an attractive, well-designed storage facility to protect and enhance the enjoyment of those assets. Many of these vehicle storage facilities also have amenities, such as an office, kitchenette, lounge, bathroom and space for hobbies.
For hobby enthusiasts, projects range from a small garage to an elaborate workshop to support a wide range of interests, such as woodworking, “Homeowners want a building that classic car restoration, various will not only support their hobby collections or simply for storage and recreational needs, but is also of equipment and tools, said Andy stylish and can be customized to Brown, Morton Buildings suburban complement the existing structures product line manager. Also popular are man caves and she sheds, which on the property with design features such as brick and stone, cupolas and offer a place to get away to relax and unwind, enjoy hobbies and spend time porches,” he said. with friends. Learn More “Our customers have used their Morton buildings for such diverse interests as an art studio, a family game room, a space for music and instruments, Save now through February on select new buildings during Morton’s doing meditation and yoga, brewing beer and exercising,” Brown noted. Building Value Days event. Visit mortonbuildings.com/projects/residential “Some couples split the space in their hobby building so they each have or call 800-447-7436 to learn more. Certain restrictions may apply. separate areas for their own interests.” -(NAPSI)
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January 12, 2024 (505) 242-3010
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C O M M E N TA R Y
Smart Lighting Solutions to Combat Eye Strain from Screen Time
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esearch shows that remote workers spend over half of their day—13 hours on average—looking at screens. This much time spent looking at a computer can produce digital eye strain, also known as Computer Vision Syndrome (CVS). How To Help Your Eyes It’s estimated that digital eye strain affects 60 million people worldwide, and over 70% of computer users. Resulting symptoms include headaches, blurry vision, neck and eye pain, double vision, delay in shifting focus, and more. Sound familiar? If you’re experiencing digital eye strain from spending countless hours in front of a screen, you will be glad to know, BenQ’s tech-driven smart lights can offer a solution. Digital eye strain is often caused by differences in light—screen glare, light Tech-Driven Lighting Solutions reflection, screen brightness and contrast are all contributing factors. Renowned for its pioneering lighting solutions—including the world’s An innovator of eye-comforting light for your monitor, BenQ’s ScreenBar first monitor light bar, the ScreenBar—the company boasts a full line of Halo (https://bit.ly/3Rxgn6R) securely clamps onto most monitor models smart lights that help reduce digital eye strain. Designed based on extensive to distribute light around your workspace. It features: research by a team of optical professionals and backed by EU IEC/IR 62778 and IEC/EN 62471 dual certifications for blue light hazards, these smart • BenQ’s first immersive back lighting mode, which lets you switch lights bring tech-driven eye comfort to computer users everywhere. among three lighting modes to balance any contrasting light between your computer screen and its surroundings. Reimagine Laptop Lighting • An ASYM-Light™ asymmetrical optical design that prevents For someone needing a portable solution to mitigate insufficient computer reflected glare on the screen and reduces digital eye strain; and a real-time light, BenQ’s new LaptopBar (https://bit.ly/4arLWb2) is ideal. This compact auto-dimming feature with a built-in light sensor detects ambient lighting light bar attaches to your laptop via a non-damaging magnetic patch, and and supplements illumination of the desktop as needed. through an innovative process involving 20 million beam simulations, creates a CIRCUM-Light™ 3D-surrounding illumination that brings The wireless controller lets you switch lighting modes from your desktop together central brightness and ambient light to alleviate eye strain. and customize the lighting for a range of environments. The light bar also offers:
Taking Control of Your Eye Care
• A personalized auto-dimming feature, which remembers your You can take care of your eyes by supplying the light relief they need. Your specific lighting preferences and intelligently adapts to changes in screen time likely won’t be decreasing any time soon, but with smart lighting environmental light. solutions like BenQ’s LaptopBar and ScreenBar Halo, you can decrease eye strain and promote eye comfort no matter how much time you spend in • A foldable arm offering height adjustability for your smart light, front of a screen. letting you choose between a limited or wide field of light. Learn More Weighing less than an iPhone 15 Pro, the LaptopBar is easy to transport and intuitive to use. A built-in battery can maintain 100 minutes of operation For additional information and resources on improving eye health, visit: at 100% brightness and 160 minutes at 50% brightness, so you can use it https://www.benq.com/en-us/lighting.html. anywhere. -(NAPSI)
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January 12, 2024 www.healthcitysun.com
C O M M E N TA R Y
Ringing In The New Year With Financial Wellness
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f you’re like many people, you make New Year’s resolutions. Whether you love or hate the tradition, studies show that one of the most popular resolutions is healthier living—followed closely by setting financial goals. These two resolutions are also interdependent, as 72% of people report experiencing money-related stress at least some of the time. That means financial wellness is proving to be more vital to overall health and happiness than ever. It’s also a fact that only a small percentage of people who make resolutions actually keep them. Luckily, Chylon Pappas, vice president of marketing at First Tech Federal Credit Union, has tips and savings tricks to get you started on the path to improving your overall financial health in 2024 and beyond.
Whether it’s spending less on groceries, entertainment, or cutting costs associated with other household needs, the key to success is holding yourself 1. Make a Plan: Mapping out your financial goals is the first step. This will accountable to your specific goal. One way to do this is to work with a friend serve as a guide you can reference and fine-tune. or family member, so they can help keep you focused and on track to turn your goals into reality. Investing, saving for retirement, and reviewing spending habits regularly can seem daunting, but there are a few ways to make the process less 3. Flex Your Savings Muscles: Planning and budgeting may automatically overwhelming: strengthen savings, but you don’t have to cut off all your spending to save. There are ways you can boost savings, and still have room to “treat yourself,” • Conduct research and educate yourself to make more informed decisions all while keeping a cushion for those rainy days. Pappas suggests: • When it comes to investing, start small
• Gradually increasing your savings by 1 percent each year
• Exhaust all available employer options, such as an employer-sponsored • Following the 50/30/20 rule by allocating 50 percent of your monthly retirement plan, Flexible Spending Account (FSA), Health Savings Account income towards bills and non-negotiables, and 30 percent towards savings, (HSA), etc. leaving 20 percent to fulfill wants “Financial priorities tend to shift and change in different life stages— • Utilizing multiple savings accounts to support specific needs using the whether it’s sending your child to school or planning your retirement. The 50/30/20 rule key is setting long-term goals and not letting yourself get discouraged by short-term changes along the way,” explains Pappas. • Using a credit card that deposits cash back To help you get started and take the mystique (and intimidation) out of Another option is a share certificate —a long-term solution that enables financial planning, First Tech offers a primer . you to steadily increase savings over time, offering a higher yield than alternative savings accounts. 2. Become a SMART Shopper: Another tip for reducing spending is to stick to a budget. Becoming a (Financially) Healthier You: Many people are reluctant to talk about money, but real change only happens when you take a close look and Pappas recommends setting specific, measurable, achievable, relevant, and rethink your current habits. time-bound (SMART) goals—which leads to better budgeting and allows you to adjust it as needed. Get a running start by making a plan, and you may soon be well on your way to improving your financial wellness and reaping the rewards of your For example, eating at home and being mindful of “entertainment” efforts. expenses, such as dining out or tickets to sporting events, can help eliminate unnecessary spending. Being a savvy shopper also makes all the difference. Learn More This means planning, writing down, and avoiding tempting impulse instore or online purchases. For additional financial wellness tips and resources, visit firsttechfed.com/ learn. For more inspiration, you can check out First Tech’s budget-friendly meal ideas for under $10 . It’s incredible how quickly grocery savings can build -(NAPSI) over time.
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C O M M E N TA R Y
School Choice: No Longer “If,” but “How”
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ver the last thirty years, the efforts of parents, educators, and state leaders have laid the foundation for a pluralistic sea change in how we think about the education options available to families in the U.S. But over the last four, things went from incremental to warp speed. In 2023, 20 states added or expanded school choice programs, which, in sum, affected the largest group of eligible families in a single year, ever. Some of the things most commonly associated with the modern school choice movement, like public charter schools and private school scholarship programs, are as old as I am, dating back to the early 90’s. Others, like microschooling and hybrid homeschooling, have exploded in popularity due to the decidedly different lifestyles of the 2020s.
which they’re assigned, making it mandatory in at least some cases. 46 states (Montana being the newest) allow charter schools. All 50 states offer public magnet schools. 31 states offer private school choice programs. 35 states have a free, full-time online public school option for students. And the number of homeschooled students has nearly doubled in the last 7 years, now topping 3.1 million. Today, the question for families is not whether they have school choice, but how they will utilize these transformative opportunities. By understanding the array of options, making personalized choices based on each unique child, and collaborating with educators, parents hold the key to shaping a future where every child has the chance to thrive. School choice is not just a policy; it’s a pathway to a more personalized and empowering educational experience for our children and all families have the right to choose what’s best for their kids.
With so much change, it is critical that parents around the country understand the new landscape in American education. Events like Shelby Doyle, based in Nashville, National School Choice Week, a celebration organized by the National TN, is the vice president of public awareness at the National School Choice School Choice Awareness Foundation and happening nationwide from Awareness Foundation, the 501(c)(3) nonprofit organization that hosts January 21-27, can be the perfect place for parents to explore changing National School Choice Week each January and maintains the nation’s options. largest online portfolio of English- and Spanish-language school navigation resources. What does school choice look like in the country today? 33 states ensure parents can choose a traditional public school other than the one to -(NewsUSA)
New Guidance Helps Expand Blood Donation Pool
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hought you weren’t eligible to give blood? Updated guidance is making it possible for more people to donate than ever.
Under the new guidance, all prospective blood donors, regardless of gender or sexual orientation, will now answer questions about their sexual history to determine whether they are at high risk for HIV. If a prospective donor has had a new sexual partner or more than one sexual partner and had anal sex in the past three months, they will be deferred temporarily.[6] Prospective donors taking medications to prevent or reduce the likelihood of HIV infection (PrEP or PEP) may also be deferred because those drugs may delay detection of HIV.[6]
Blood donations are essential for surgeries, cancer treatment, chronic illnesses, and traumatic injuries.[1] But only 3% of eligible Americans give blood each year.[1] Recent federal guidance may help change that. In May 2023, the Food and Drug Administration (FDA) eliminated its previous blanket waiting period for gay, bisexual, and other men who have sex with men (MSM) and women who have sex with MSM. The agency now recommends individual An equitable donor screening process is critical for a safe and reliable blood donor screening assessments to establish eligibility.[2],[3] supply system,[6] and FDA officials say that the new requirements will continue to ensure the safety of both donors and recipients.[6],[7] “This change represents a shift toward a more inclusive and science-based approach to blood donation eligibility,” says Dr. Kamille West-Mitchell, In the meantime, the demand for blood remains constant. Blood banks chief of the blood services section in the transfusion medicine department across the country urgently need donors of all types. But some are in at the National Institutes of Health Clinical Center. “It acknowledges that particular demand. For example, Black blood donors can help Black the focus should be on assessing individual risk factors for bloodborne patients with rare blood types who often need blood donated by someone infections rather than making exclusions based on sexual orientation.” of the same race. Other groups who are eligible to donate blood and may not know it include Interested in making a lifesaving difference? Become a donor. teens who are at least 16 years old (in most states) and people whose chronic conditions are being controlled through treatment.[4],[5] For more information, visit the NHLBI’s Blood Diseases & Disorders Education Program. -(NewsUSA)
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C O M M E N TA R Y
Avoid Malicious Online Advertisements
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eware, cybercriminals target consumers with malicious ads that use Previous Digital Citizens Alliance research estimates piracy is a $2 billionscare tactics to trick them into downloading malware, including plus ecosystem fueled by illicit access to movies, TV shows, and live ransomware that takes over files to force victims to pay to regain access— entertainment. While investigations have previously shown how piracy is but you can protect yourself. used to infect devices, the Unholy Triangle report is the first to detail the relationship between piracy operators, malvertisers, and certain players in the ad intermediary ecosystem. The Problem A new joint investigation—dubbed The Unholy Triangle—by the Digital What You Can Do Citizens Alliance, White Bullet, and Unit 221B found that consumers, who use online piracy sites to watch and download unauthorized movies Consumers need to be vigilant and protect themselves. Essential tips for and television shows, are highly susceptible to scams that prey on fears by maintaining your cybersecurity include: deploying scare tactics and other dubious means to trick or entice users to click on dangerous ads. • Visit only authorized content sites. If a movie or television show is free to download, it is most likely pirated/illegal content. While not every Piracy operators, advertisers who use ads to install malware on computers visit to a piracy site results in malware, the investigation found that—on (malvertisers) and ad intermediaries are reaping monster profits. The average—1 in 6 times a visit to a piracy site leads to an attempt to serve investigation found more than $121 million in malicious ads on piracy malware. sites. Nearly 80 percent of pirate sites served up malware-ridden ads to their users. And the volume of malvertising targeting pirate-site users • Do not click on advertisements. Never click on an ad that purports is significant. Visitors to piracy sites faced an estimated 321 million ads to know about viruses or specific information about your computer. It is a designed to harm them. scam. The starkest example of the cyber threat was a ransomware attack that • Ensure that you use the most up-to-date anti-virus and malware occurred while visiting a piracy site. Investigators were prompted to click protection software. on an ad—but instead found their files locked up, followed by a demand to make a payment to regain access. Learn More “Ransomware is the most serious cyber threat that consumers, small businesses, governments, and corporations face,” said Tom Galvin, executive The Unholy Triangle report can be found at: www.digitalcitizensalliance. director of the Digital Citizens Alliance. “The revelations that piracy org. operators, malvertisers, and ad intermediaries are profiting by harming Internet users is a wake-up call that we need a concerted and coordinated response to combat this growing threat.” -(NAPSI)
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