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6B Daily News – Wednesday, May 1, 2013 IBM pulls stock market out a morning slump Wall Street NEW YORK (AP) — News that IBM will buy back more stock and raise its dividend helped pull major stock indexes out of a morning slump Tuesday. IBM and other technology stocks led the Standard & Poor's 500 index up. The broad-market measure ended April with a 1.8 percent gain, the sixth month in a row the index has climbed higher. Worries about slower economic growth have rattled the stock market this month, but it has consistently bounced back. Brad Sorensen, director of market research at the brokerage Charles Schwab, said that's a result of investors having few alternatives. ''Right now it seems like every pullback in the market is seen as a buying opportunity,'' Sorensen said. ''People may say they're getting nervous, but where else are you going to put money at this point? Into Europe with their political issues? Into Treasurys paying less than 1.7 percent?'' The S&P 500 edged up 3.96 points to close at 1,597.57. The slight gain of 0.3 percent pushed the index to an all-time high for the second day straight. A report of another record high in European unemployment helped drive money into U.S. government debt, briefly sending the yield on the benchmark 10-year Treasury note to its lowest level of the year, 1.65 percent. IBM said it will increase its quarterly dividend by a dime, to 95 cents, and buy back up to $5 billion more of its own stock. Earlier this month, the company surprised investors when it reported a drop in quarterly earnings and sales. IBM's stock rose $3.39 to $202.54. The tech giant's 1.7 percent gain tugged the Dow Jones industrial average up. The Dow fell as much as 84 points in morning trading but ended with a gain of 21.05 points at 14,839.80. That's an increase of 0.1 percent. The S&P has now climbed for six months in a row. That's the longest stretch of gains since a seven-month run that started in March 2009, when the market hit a financial crisis low, and ended in October 2009. This earnings season has delivered investors a mixed bag of news. More than half of the companies in the S&P 500 have turned in results, and seven of 10 have beaten analysts' estimates for earnings, according to S&P Capital IQ. Nearly as many, however, have come up short on revenue: Six of 10 have missed analysts' revenue targets. That suggests companies are getting more of their profits from laying off staff and other cost-cutting efforts instead of from higher sales. The Dow and the S&P 500 ended the month with gains of 1.8 percent. It wasn't exactly a smooth ride. The two indexes reached record highs in the second week of April, then took a steep fall in the next. News that China, the world's secondlargest economy, slowed unexpectedly pummeled the prices of oil, copper and other commodities. The stock market had its worst day of the year on April 15, when the S&P 500 lost 2.3 percent. In other trading, the Nasdaq composite index rose 21.77 points to 3,328.79, up 0.7 percent. The dollar fell against the yen and the euro, and the price of crude oil fell $1 to $93.46 a barrel. Gold edged up $4.70 to $1,472.10 an ounce. The yield on the 10-year Treasury note traded at 1.67 percent late Tuesday, the same as the day before. In response to slower economic growth, bond traders from around the world have been buying Treasurys this month, driving yields down. The 10-year yield started April around 1.85 percent. Among other stocks making big moves: — Pfizer dropped 4 percent after the drug maker's results fell short of what analysts had expected. Falling sales of Lipitor, its cholesterol drug, crimped revenue. The world's second-largest drug maker also cut its profit forecast for the rest of the year. Pfizer lost $1.36 to $29.07 — Pitney Bowes sank 16 percent after the maker of mailing equipment and software cut its dividend in half and posted a 58 percent drop in net income. Pitney Bowes sank $2.53 to $13.67. — Avon Products' quarterly loss wasn't as deep as analysts had expected. The direct-seller of cosmetics has been cutting staff and scaling back operations in an effort to turn around its business. Avon's stock rose 92 cents to $23.16, a gain of 4 percent. Start planning next year's tax return For most taxpayers, the tax deadline has passed. But planning for next year can start now. The IRS reminds taxpayers that being organized and planning ahead can save time and money in 2014. Here are six things you can do now to make next April 15 easier. 1. Adjust your withholding. Each year, millions of American workers have far more taxes withheld from their pay than is required. Now is a good time to review your withholding to make the taxes withheld from your pay closer to the taxes you'll owe for this year. This is especially true if you normally get a large refund and you would like more money in your paycheck. If you owed tax when you filed, you may need to increase the federal income tax withheld from your wages. Use the IRS Withholding Calculator at IRS.gov to complete a new Form W-4, Employee's Withholding Allowance Certificate. 2. Store your return in a safe place. Put your 2012 tax return and supporting documents somewhere safe. If you need to refer to your return in the future, you'll know where to find it. For example, you may need a copy of your return when applying for a home loan or financial aid. You can also use it as a helpful guide for next year's return. 3. Organize your records. Establish one location where everyone in your household can put tax-related records during the year. This will avoid a scramble for misplaced mileage logs or charity receipts come tax time. 4. Shop for a tax professional. If you use a tax professional to help you with tax planning, start your search now. You'll have more time when you're not up against a deadline or anxious to receive your tax refund. Choose a tax professional wisely. You're ultimately responsible for the accuracy of your own return regardless of who prepares it. Find tips for choosing a preparer at IRS.gov. 5. Consider itemizing deductions. If you usually claim a standard deduction, you may be able to reduce your taxes if you itemize deductions instead. If your itemized deductions typically fall just below your standard deduction, you can 'bundle' your deductions. For example, an early or extra mortgage payment or property tax payment, or a planned donation to charity could equal some tax savings. See the Schedule A, Itemized Deductions, instructions for the list of items you can deduct. Planning an approach now that works best for you can pay off at tax time next year. 6. Keep up with changes. Find out about tax law changes, helpful tips and IRS announcements all year by subscribing to IRS Tax Tips through IRS.gov or IRS2Go, the mobile app from the IRS. The IRS issues tips regularly during the summer and tax filing season. You can find forms and publications at IRS.gov or order them by calling 800-TAX-FORM (800-829-3676). LEGAL NOTICE NOTICE OF TRUSTEE'S SALE T.S. No.: 2012-23977 Loan No.: 705832004 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/18/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. LEGAL NOTICE FICTITIOUS BUSINESS NAME STATEMENT File No. 2013000135 The following person(s) is (are) doing business as: CROSSROADS MARKET 530- 8241077, 7185 State Highway 99W., Gerber, CA. 96035 Hermelinda Garcia 23975 Blackburn Ave. Corning, CA 96021 The registrant commenced to transact business under the fictitious business name or names listed above on 3-15-2013 This business is conducted by: an individual S/By: Hermelinda Garcia Hermelinda Garcia, Owner This statement was filed with the County Clerk of Tehama County on 4/4/2013 BEVERLY ROSS Tehama County Clerk & Recorder Publish: April 10, 17, 24 & May 1, 2013 LEGAL NOTICE A public auction sale to the highest bidder for cash, cashier's check drawn on a state or national bank, check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Trustor: GEORGE MICHAEL BRYANT AND SHERRY BRYANT, HUSBAND AND WIFE, AS JOINT TENANTS Duly Appointed Trustee: Western Progressive, LLC Recorded 8/4/2006 as Instrument No. 2006-015837 in book ---, page --- and rerecorded on --- as --- of Official Records in the ofFICTITIOUS fice of the Recorder of Tehama BUSINESS County, California, NAME Date of Sale: 5/28/2013 at 2:00 STATEMENT PM File No. 2013000123 Place of Sale: At the main enThe following person(s) is (are) trance to the Tehama County Courthouse 633 Washington doing business as: Rick Nye Insurance Agency 530 Street, Red Bluff, CA 824-4358, 519 Solano St., Corning, Amount of unpaid balance and CA 96021 other charges: $226,213.83 Rick Nye Street Address or other common 6149 Olive Rd. designation of real property: Corning, CA 96021 19667 FOREST GLEN PLACE, COTLisa Nye TONWOOD, CALIFORNIA 96022 6149 Olive Rd. A.P.N.: 101-130-20 Corning, CA 96021 The registrant commenced to The undersigned Trustee distransact business under the fic- claims any liability for any intitious business name or names correctness of the street address or other common designalisted above on 01-01-2012 tion, if any, shown above. If no This business is conducted by: street address or other common General Partnership designation is shown, directions S/By: Rick E. Nye to the location of the property Rick E. Nye This statement was filed with may be obtained by sending a the County Clerk of Tehama written request to the beneficiary within 10 days of the date of County on 3/29/2013 first publication of this Notice of BEVERLY ROSS Sale. Tehama County Pursuant to California Civil Code Clerk & Recorder §2923.54 the undersigned, on bePublish: May 1, 8, 15 & 22, 2013 half of the beneficiary, loan LEGAL NOTICE servicer or authorized agent, declares as follows: The beneficiaFICTITIOUS ry or servicing agent declares BUSINESS that it has obtained from the NAME Commissioner of Corporation a STATEMENT final or temporary order of exFile No. 2013000158 emption pursuant to California Civil Code Section 2923.53 that is The following person(s) is (are) current and valid on the date doing business as: the Notice of Sale is filed and/or CHAPEL HILL RANCH & FARM the timeframe for giving Notice 530 529-0630, 15775 Red Bank Rd., of Sale Specified in subdivision Red Bluff, CA. 96080 (s) of California Civil Code SecFrancis X. Schubert tion 2923.52 applies and has 210 Rua Esperanza been provided or the loan is exLincoln, CA 95648 empt from the requirements. Maryann Schubert 210 Rua Esperanza NOTICE TO POTENTIAL BIDDERS: Lincoln, CA 95648 If you are considering bidding The registrant commenced to on this property lien, you should transact business under the fic- understand that there are risks titious business name or names involved in bidding at a trustee listed above on N/A auction. You will be bidding on This business is conducted by: a lien, not on the property itself. Married Couple Placing the highest bid at a S/By: Francis X. Schubert trustee auction does not autoFrancis X. Schubert, Owner matically entitle you to free and This statement was filed with clear ownership of the property. the County Clerk of Tehama You should also be aware that County on 4/26/2013 the lien being auctioned off may BEVERLY ROSS be a junior lien. If you are the Tehama County highest bidder at the auction, Clerk & Recorder you are or may be responsible Publish: May 1, 8, 15 & 22, 2013 for paying off all liens senior to the lien being auctioned off, beLEGAL NOTICE fore you can receive clear title to the property. You are encourNOTICE OF AUCTION SALE aged to investigate the exisNOTICE IS HEREBY GIVEN that a tence, priority, and size of outstanding liens that may exist on mobilehome, registered to UNKNOWN, with interested par- this property by contacting the ty Estate of Easter Bingham county recorder's office or a tiand described as a 1993 tle insurance company, either of Goldenwest Mobilehome, Decal which may charge you a fee for Number 8557226, Label/Insignia this information. If you consult Numbers RAD686651/ either of these resources, you should be aware that the same RAD686652/RAD686653, Serial Numbers GW6CAL09914A/ lender my hold more than one GW6CAL09914B/ GW6CAL09914C, mortgage or deed of trust on and stored on property within this property. Rio Vista Mobile Estates, at 500 Rio Vista Avenue, Red Bluff, NOTICE TO PROPERTY OWNER: 96080, County of Tehama, Cali- The sale date shown on this nofornia, (specifically the space tice of sale may be postponed designated as 67 Casa Grande one or more times by the Dr. within the park), will be sold mortgagee, beneficiary, trustee, by auction at Rio Vista Mobile or a court, pursuant to Section Home Park, 500 Rio Vista Ave- 2924g of the California Civil nue, Red Bluff, 96080, County Code. The law requires that inof Tehama, California, (specifi- formation about trustee sale cally the space designated as 67 postponements be made availaCasa Grande Dr. within the ble to you and to the public, as a park), on May 16, 2013, at 10:00 courtesy to those not present at a.m., and such succeeding sales the sale. If you wish to learn days as may be necessary, and whether your sale date has been postponed, and, if applicable, the proceeds of the sales will be applied to the satisfaction the rescheduled time and date of the lien, including the rea- for the sale of this property, you Inforsonable charges of notice, ad- may call (866)-960-8299. mation about postponements vertisement, and sale. This sale is conducted on a cash that are very short in duration or certified fund basis only or that occur close in time to the (cash, cashier's check or travel- scheduled sale may not immedier's checks only). Personal ately be reflected in the teleThe best checks and/or business phone information. checks are not acceptable. way to verify postponement inPayment is due and payable im- formation is to attend the m ediately following the sale. scheduled sale No exceptions. The mobilehome Proand/or contents are sold as is, Date: 4/18/2013 Western gressive, LLC, as Trustee where is, with no guarantees. This sale is under authority of c/o 18377 Beach Blvd., Suite 210 Beach, California California Civil Code 798.56a and Huntington 92648 Commercial Code 7210. Automated Sale Information Unless a written waiver is Line: (866) 960-8299 r e c e i v e d f r o m management/plaintiff, the For Non-Automated Sale Informobilehome and contents must mation, call: (866) 240-3530 be removed present location _________________________ within 10 days. Laterrika Thompkins , Trustee DATED: April 15, 2013 Sale Assistant JOSEPH W. CARROLL Publish: 5/1/2013; 5/8/2013; Attorney at Law 5/15/2013 1231 I St., Suite 203 Sacramento, CA 95814 (916) 443-9000 DAILY NEWS RED BLUFF Publish: May 1 & 8, 2013 CHECK OUT THE✓✓✓✓ CLASSIFIED THE VOICE OF TEHAMA COUNTY TEHAMA C O U NTY SINCE 1885 Website: redbluffdailynews.com E-Mail: advertise@redbluffdailynews.com APN: 064-133-10-1 TS No: CA08000716-12-1 TO No: 6889466 NOTICE OF TRUSTEE'S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED April 26, 2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On May 14, 2013 at 02:00 PM, at the main entrance to the Tehama County Courthouse, 633 Washington St., Red Bluff, CA 96080, MTC FINANCIAL INC. dba TRUSTEE CORPS, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on May 3, 2007 as Instrument No. 2007008167 of official records in the Office of the Recorder of Tehama County, California, executed by GREGORY A. LEE TRUSTEE(S) OF THE GREGORY A. LEE TRUST UNDER TRUST INSTRUMENT DATED AUGUST 23, 2006, FOR THE BENEFIT OF GREGORY A. LEE., as Trustor(s), in favor of FIRST HORIZON HOME LOAN CORPORATION. as Lender and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for Lender, its successors and/or assigns, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold "as is". The street address and other common designation, if any, of the real property described above is purported to be: 500 RAMSEY AVENUE, GERBER, CA 96035 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee's Sale is estimated to be $91,172.79 (Estimated), provided, however, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary's bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier's check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee's Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder's office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call Priority Posting and Publishing at 714-573-1965 for information regarding the Trustee's Sale or visit the Internet Web site address on the previous page for information regarding the sale of this property, using the file number assigned to this case, CA08000716-12-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: April 15, 2013 TRUSTEE CORPS TS No. CA08000716-121 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 Stephanie Hoy, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.priorityposting .com FOR AUTOMATED SALES INFORMATION PLEASE CALL: Priority Posting and Publishing at 714-573-1965 TRUSTEE CORPS MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. P1034064 PUBLISH: 4/24, 5/01, 05/08/2013