Montgomery County News, April 5, 2023

AReminderonPortfolioBasics

Aweekly column by Kent Pendleton

Doug Drabik discusses market insightfor investors.

The markets have been impulsive for some time now, responding to the news of the day. Last month was no exception with the collapse of the Silvergate Bank and Silicon Valley Bank. The implications were felt across the markets as the S&Pfell4.7%ontheweek and the ten year Treasury yield dropped 25 basis dropped points (bp). The Board of Governors of the Federal Reserve System has released a statement on howinsuredanduninsured

The have been impulsive for some time now, to the news of the day. Last month was no with the of Silvergate and Silicon Bank. The implications felt across the markets as the S&Pfell4.7%ontheweek and ten year Treasury yield basis points (bp). Board of Governors the Federal R e Syst m has released statement on howinsured uninsured

Are you overpaying on yourhome?

The bad news? 11% of buyers who purchased a home last year were underwater on their mortgages by November 2022.

Thegoodnews?Despite fluctuatingprices,buyingis still a good long-term investment.

So if you are one of the 11%,don'tbeatyourselfup. Even still, here are a few ways to avoid overpaying thisspring:

1) Do some research: Check out recent sales of comparable homes in your area to get an idea of what similar homes are selling for

2) Hire an appraiser:An appraiser can provide an objective estimate of your home's value, taking into

from page 1

Since

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depositors will be protected The motive is to preventabankrunandthe potential catastrophe associatedwithone.

will be proThe motive to bankrun the catastrophe associatedwithone.

Yield s d r o p p ed significantly as investors moved toward safe haven assets such as Treasury bonds. Leading up to this event,theFedhadactually beencueingthemarketfor apotential50bpFedFunds hike (versus the 25bp hike presumed by the market). Now a Fed pause is being weighed by investors as monetaryandfiscalpolicy actions mingle Investor response will be telling Willsmallbankssufferrun consequences?Willstocks take a bigger hit? Will the Fed pause in their fight on inflation?

Yie d s r o p p e significantly as toward safe such as to this theFedhadactually cueing marketfor potential50bpFed (versus the 25bp by the pause investors as monetaryandfiscalpolicy actions mingle response be telling small suffer Willstocks bigger hit? Will the pause in their fight on

The incessant questions continuing uncertainty and market shocks

The incessant tions, continuing and shocks

should be a reminder of why important basic portfolio practices exist

Two of these significant practices are maintaining suitable asset allocations and appropriate diversification. Interest rates have been on a rollercoaster pattern as have stock prices. For most investors, it is the long game (longtermstrategy)thatmatters. Therewillbeupsandthere willbedownsinstocksand bonds.Butinthelongrun, bonds will tend to provide more stable actions and stocks more growth Maintaining appropriate allocations to each, regardless of market conditions, tends to keep long term goals on target. Deviating from these allocations for the sake of short term advances can deter from long-term

be a reminder why basic exist of these significant practices suitable asset and Interest rates on as have stock prices. For investors, it is the (longtermstrategy) matters. will upsandthere bedowns stocks bonds.Butinthe will tend to provide more stable actions and stocks more Maintaining ll ca ions t ac regardless of market tends to term on target. Deviating from these for the sake short term advances can from

account factors like location, condition, and features. Find this helpful? Save thisarticleforlater andfeel free to reach out with any questions!

3)Getasecondopinion: If you're working with an agent, ask for a second opinion on the value of a home They can provide insight into market trends andotherfactorsthatcould impacttheprice.

Source: Many Recent Buyers Believe They Overpaid for Their Homes astheMarketCorrects wwwFairwaterWestm ont.com

Megan@MeganStultz com

withthousandsofchapters participating across the nation.

results when these actions don’tpanout. If you would like a complimentary review of your portfolio, give us a call to schedule your appointmenttoday

obligordiversification.

results when these actions don’tpan you review your us to today

Recent market events also remind us of the importance of diversification. Although risks vary all securities carry them and no absolutes exist Stock prices have been downbutbondpriceshave accelerated These trade offs occur in both directionsovertimeandthusthe importanceof maintaining appropriate allocations Butgainsorlossescanalso occur due to developing situations or unfortunate shockers (pandemics or mismanaged business) Diversification among investedobligorsmitigates this risk. Last month is an unfortunate but luminous reminderoftheimportance of portfolio

maintain appropriate asset allocations and proper

Recent market events also remind us the importance of diversification. Although risks all them and no exist Stock prices have been down bondpriceshave accelerated These trade offs occur directionsovertimeand the importance maintaining appropriate allocations But or also occur to developing situations or unfortunate shockers (pandemics or mismanaged business) Diversification among investedobligorsmitigates this Last month an unfortunate luminous reminder importance of p fo io ics: maintain appropriate asset allocations and proper

Pendle Hill Advisors LLC 14375 Liberty St, Ste Liberty 109 | Montgomery, TX 77356

Hill LLC 14375 St, 109 | Montgomery,

T936-297-8267

T936-297-8267

RegentCecilyKellypresentsCertificateofAppreciationtoBrigadierGeneralEd Brown(inuniform),ArmyoftheUnitedStates,Retired.

Doug Drabik discusses fixed income market market conditions and offers insightforbondinvestors.

news@montgomerycountynews.net

THESTATEOFTEXAS §

COUNTYOFMONTGOMERY §

th By virtue of an Order of Sale issued out of the 457 Judicial District Court of th MontgomeryCounty Texas,onaJudgmentrenderedonthe6 dayofOctober,2023 in the case of U.S. Bank, NA., Plaintiff, vs. Kim M. Holt and Clarence J. Holt, Defendant(s), Cause No.22-10-13505-CV in said court, judgment being in favor of U.S. Bank,NA,PlaintiffasagainstDefendant(s),Ididonthe9thDayofMarch2023at1:00 o'clock pm., levy upon the following-described property of Defendant(s): Kim M. Holt andClarenceJ.Holt.

Beinga2951acretractoflandsituatedintheBeasleyPruettSurvey,abstractNo.419, MontgomeryCounty,Texas,andbeingaportionofa4.02acretractdescribedindeed to Clarence J. Holt and wife, Kim M. Holt recorder under Montgomery County Clerk'sfileNo.9637508oftherealpropertyrecordsofMontgomeryCounty,Texas; saveandexcepta1.069acretractdescribedindeedtoShannonBabinrecordedunder MontgomeryCountyClerk'sfileNo.9637509ofsaidrealpropertyrecords;

CommencingatapointintilecenterlineofWhiteOakRoadA60footwideroadway) forthesouthwesterlycornerofacalled5.0acretractdescribedindeedtoEdwardand RoseWisenbakerrecordedinvolume632,Page81ofthedeedrecordsofMontgomery County,Texas.

ThencewiththecenterlineofWhiteOakRoadEastadistanceof192.45feettoapoint forthesouthwesterlycornerandpointofbeginningofthehereindescribedtract,said pointalsobeingthesoutheasterlycornerofsaidbabin1.069acretract;

Thenwiththeeasterlylineofsaid1.069acretractnorthadistanceof468.00feettoa 5/8inchironrodsetforacorner;

Thencewestadistanceof192.45feettoa5/8inchironrodsetinthewesterlylineof Wisenbaker's5.0acretract;

Thencenorthadistanceof127.45feettoa5/8inchironrodsetforthenorthwesterly corner of the herein described tract, also being the northwesterly corner of Wisenbaker's5.0acretract.

Thence with the northwesterly line ofWisenbaker's 5.0 acre tract east a distance of 367.40feettoa5/8inchironrodsetforacorner;

Thencesouthadistanceof595.50feettoa½inchironrodfoundforthesoutheasterly cornerofWisenbaker's5.0acreinthecenterlineofWhiteOakRoad;

ThencewithacenterlineofWhiteOakRoadWest,adistanceof174.95feettothepoint ofbeginning.

Note: The company is prohibited from insuring the area or quantity of the land describedherein.Anystatementintheabovelegaldescriptionoftheareaorquantity iscorrect,butismadeforonlyinformationaland/oridentificationpurposesanddoes notoverrideitem2ofscheduleBhereof.

andonthe2nddayofMay2023betweenthehoursof10:00o'clocka.m.and4:00 o'clock p.m., at 501 North Thompson, Suite 402 Conroe, Texas 77301 Montgomery County,Conroe,Texas,Iwillofferforsaleandwillsellatpublicauction,forcash,allthe rights,titleandinterestofKimM.HoltandClarenceJ.Holt,Defendant(s),inandtosaid property

Witnessmyhandthisthe9thdayofMarch2023.

DeputyR.Crowder#8451

KennethHayden,ConstablePct.4

21130USHwy59#C

NewCaney,TX.77357

281-577-8985

PublishedDates:April5,12,19,2023

Final Notification To Owner

CJ Towing & Towing

TDLR# 0006542199C

VSF# 0656424VSF

Porter, TX 77365

936-647-7538

CJTOWING2018@GMAIL.COM

Location Towed From: 2100 East Davis Street Conroe, TX 77301 Vehicle Info:

2019 Kia Rio

Vin#3KPA24AB5KE215826

LP# No Plate

2023

NOTICETOCREDITORS

NoticeisherebygiventhatoriginalLettersTestamentaryfortheEstateofRalphE.Orndorf

Notice for Publication

WATERS EDGE UTILITIES, LLC, NOTICE OF INTENT TO PURCHASE WATER

AND SEWER FACILITIES AND TO TRANSFER WATER AND SEWER SERVICE AREA UNDER CCN NOS 12716 AND 20775 FROM SAN JO UTILITIES IN MONTGOMERYCOUNTY,TEXAS

WatersEdgeUtilities.LLC,8350E.RaintreeDr Ste220,Scotttsdale,AZ85260-2693 hassubmittedanapplicationwiththePublicUtilityCommissionofTexas(Commission)to purchaseallofthewaterandsewerfacilitiesandtotransferwatercertificatedservicearea under CCN No. 12716 and all of the sewer facilities and to transfer sewer certificated serviceareaunderCCNNo.20775inMontgomeryCounty,TXfrom: SanJoUtilities.Inc.21105EvaStreet,Suite210Montgomery,TX77356

The sale is scheduled to take place if approved by the Commission (TexasWater Code § 13.301).

ThetransactionandthetransferoftheCCNincludesthefollowing:

EnchantedWaters,TealCrossingSubdivision,andPresidentialShores.

The requested area includes 262 customer connections, is located approximately 4.4 mile(s) northwest of downtown Willis, Texas, and is generally bounded on the north by LakeConroe;ontheeastbyWeirCreekRoad:onthesouthbySnowLaneandLongstreet Road:andonthewestbySnowLane.

Therequestedareaincludesapproximately110.4acres,comprisedof: 106.4acresofuncertificatedarea;and

4 acres of transferred area from San Jo Utilities (CCN Nos. 12716 & 20775) to WatersEdgeUtilities,LLCwiththeissuanceofanewwaterandsewerCCN.

Theapplicationproposesthesubtractionofapproximately4acresfromCCNNos.12716& 20775andtheadditionofapproximately110.4acrestoWatersEdgeUtilities,LLCwiththe issuanceofanewwaterandsewerCCN.

Acopyofthemapsshowingtherequestedareaareavailableat:GuardOfficeattheWaters EdgeRVPark.12922LongstreetRd„Willis,TX77318.

Thistransactionwillnothaveaneffectonthecurrentcustomer'sratesandservices.

Persons who wish to intervene in the proceeding or comment upon action sought should contact the Public Utility Commission, P.O. Box 13326, Austin, Texas 78711-3326, or call thePublicUtilityCommissionat(512)936-7120or(888)782-8477.Hearing-andspeechimpaired individuals with text telephones (TTY) may contact the commission at (512) 9367136. The deadline for intervention in the proceeding is (30 days from the mailing or publication of notice, whichever occurs later, unless otherwise provided by the presiding officer). You must send a letter requesting intervention to the commission which is received by that date. The letter must include the person's name, address, email address and fax numberifapplicable.

Alandownerwithatractoflandatleast25acresormore,thatispartiallyorwhollylocated withintheuncertificatedrequestedarea,mayfileawrittenrequestwiththeCommissionto beexcludedfromtherequestedarea("optout")within(30)daysfromthedatethatnotice wasprovidedbytheUtility Alloptoutrequestsmustincludealarge-scalemap,ametesand bounds description of the landowner's tract of land, landowner's name, address, email addressandfaxnumber ifapplicable.

All persons having claims against this Estate which is currently being administered are requiredtopresentthemtotheundersignedwithinthetimeandinthemannerprescribedbylaw

c/o:KevinA.Forsberg AttorneyatLaw Montgomery,TX 77356

DATEDthe3rddayofApril,2023

StateBarNo.:24009204

Deceased,wereissuedonMarch27,2023,inCauseNo.23-44398-P,pendingintheCountyCourtat LawNo.TWO,MontgomeryCounty Texas,to:SheilaOrndorf. 15899Highway105West /s/KEVINAFORSBERG AttorneyforSheilaOrndorf 15899Highway105West

Montgomery TX 77356

Telephone:(936)588-6226

Facsimile:(936)588-6229

E-mail:kevin@forsberglaw.net

PublishedDate:April5,2023

Personswhowishtorequestthisoptionshouldfiletherequireddocumentswiththe: CentralRecords

PublicUtilityCommissionofTexas

Ifavalidpublichearingisrequested,theCommissionwillforwardtheapplicationtothe StateOfficeofAdministrativeHearings(SOAH)forahearing.Ifnosettlementisreached and an evidentiary hearing is held, SOAH will submit a recommendation to the Commissionforafinaldecision.Anevidentiaryhearingisalegalproceedingsimilartoa civiltrialinstatedistrictcourt. 1701N.Congress,P.O.Box13326

Austin,TX78711-3326

Inaddition,thelandownermustalsosendacopyoftheoptoutrequesttotheUtility Staff mayrequestadditionalinformationregardingyourrequest.

Sideseainformaci6nenespafiol,puede11amaral1-888-782-8477.

PublishedDate:March29,andApril5,2023

NOTICETOCREDITORS

NoticeisherebygiventhatoriginalLettersTestamentaryfortheEstateofBrianThomas Swift,Deceased,wereissuedonMarch27,2023,inCauseNo.23-44389-P,pendingintheCounty Court-At-LawNo.Two,MontgomeryCounty,Texas,to:KatherineShaferSwift. All persons having claims against this Estate which is currently being administered are requiredtopresentthemtotheundersignedwithinthetimeandinthemannerprescribedbylaw

c/o:KaseyRachel

DorsettJohnson,LLP

407ThrockmortonSt.,Ste.500

FortWorth,Texas76102

DATEDthe30thdayofMarch,2023.

DORSETTJOHNSON,LLP

KaseyRachel

TexasBarNo.24075849 Email:krachel@dorsettjohnson.com

By:/s/KaseyRachel 407ThrockmortonStreetSuite500

FortWorth,Texas76102

Tel.(817)900-8202 Fax.(817)882-8526

PublishedDate:April5,2023

SECOND NOTICE TO OWNER & LIENHOLDER

NEW CANEY IMPOUND & SERVICES LLC, 23643 ROBERTS RD STE. 100

NEW CANEY, TX 77357 713-467-6863 TDLR VSF Lic. No 00655936VSF

2019 CARRY-ON TRAILER

VIN# 4YMBU0817KT021047

TOTAL CHARGES $1192.30

Published Date: April 5, 2023

NOTICE OF