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The Only Weekly Newspaper Exclusively For The Rancho Santa Margarita And Coto de Caza Area

January 10, 2014

New Years Resolution Fitness Awareness

January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

FITNESS FANS THRILLED BY OPENING OF NEW ORANGETHEORY EXERCISE FACILITY IN RANCHO SANTA MARGARITA’S ANTONIO PLAZA

Orangetheory co-owners Dusty and Staci Dial with daughter Michala get ready for grand opening in Rancho Santa Margarita’s Antonio Plaza The big buzz around Rancho Santa Margarita this week is the grand opening of the new Orangetheory facility which makes this over two hundred locations in this very popular and fast growing fitness franchise. This location is owned by local area residents Dusty and Staci Dial who chose Rancho Santa Margarita’s Plaza Antonio as the ideal location for one of Southern California’s premiere facilities. The popular local couple who are longtime fitness enthusiasts, spent many months researching several other fitness franchises when they retired from their last 20 years in the luxury yachting industry, operating large yachts in cruising grounds all over the world.” After the birth of our daughter, we needed to find something to keep us all on land and in on place together, “says Staci. “We chose this business as they say, do something you love and you will never work another day. That’s how we feel about leading a fitness lifestyle and Orangetheory Fitness. Also, we are passionate about educating people about health, and helping them make life changes and reach their fitness goals.” When asked how Rancho Santa Margarita residents are responding to the new Orangetheory location, Dusty says” We just surpassed 100 members last weekend, I should say that the turnout is unbelievable, but we always believed that our responses would be terrific. It has been great getting to meet the people of Rancho Santa Margarita and we look forward to our first Orangetheory sessions with them. When asked about the secret of the Orangetheory workout, Dusty said “The physiological theory behind the Orangetheory workout is known as “Excess Post-Exercise Oxygen Consumption,” or EPOC. By providing you with a heart rate monitor and POD, we can monitor your 5 zone interval training sessions that we call the Orange 60. During the 60 minute workout, you will perform multiple intervals designed to produce 12-20 minutes of training at 84% or higher of your maximum heart rate, which translates to Zones Page 2

4/5. This program design produces EPOC, which is the workout “after-burn” effect, meaning that our interval training design produces a 200-400 calorie increase to your metabolism 24-36 hours after your workout. For example”, he continued; “Burn 600-1000 calories during the workout and burn 200-400 more calories from EPOC over the next 24-36 hours. The Orangetheory workout will produce for you increased muscle endurance, power, stamina and tremendous weight loss, if desired. With good music, a talented group trainer and a high energy studio, you have the recipe for Sales team assemble at Orangetheory fitness a workout that produces big and lasting results.” with co-owners Dusty and Staci Dial Dusty and Staci told the Coto de Caza News that they intend to have 9-11 staff once they are open, which they anticipate to be mid to late February.

“Orangetheory fitness is a group personal training studio. We specialize in 30 min of cardiovascular training utilizing predominately treadmill exercises, as well as 30 minutes of strength and resistance training utilizing water rowers, free weights, and suspension training. During the one hour session you are under the supervision and modification of a professional fitness coach. Each member will also have their own heart rate monitor which allows the coach to modify their workout to his or her specific Rowing the pounds away. Manager, Raza heart rate. “replied Dusty.

Sheikh, demonstrates rowing machine technique When asked about how many locations they will have, Dusty replied,” The new Rancho Santa Margarita location will bring us over two hundred locations from Fort Lauderdale Florida to Southern California including Newport Beach, Irvine and the Tustin Marketplace.” Why is the new Orangetheory fitness facility so popular? “ We asked professional fitness trainers from all over Southern California, and they were all in agreement that Orangetheory fitness is” The best one hour workout in the country” The new location will be in the Pavilions Shopping Center 22401 Antonio Parkway in Rancho Santa Margarita. For more information call, Fitness training session with one of our 949-424-8884. coaches.

The Coto de Caza News

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

3rd Annual St. John’s Golf Tournament On December 6, 2013, 110 golfers took the greens for the 3rd Annual St. John’s Episcopal School Golf Tournament at the beautiful 18-hole Tijeras Creek Golf Course in Rancho Santa Margarita. Three St. John’s dads, Gordon Clemons (Ladera Ranch), Matt Miller (Ladera Ranch), and Mike Yurkovich (Coto de Caza), graciously coordinated the event.

The tournament kicked off with a four-man shotgun start at 10:30 a.m. Players enjoyed on-course

challenges including hole-in-one shots off the 7th and 16th tees for a chance to win a Ford and Mercedes. Eight lucky golfers had a chance to take a $100,000.00 and $1,000,000.00 shot. Although no one won, there sure were some close shots!

After the tournament, golfers, families, and friends alike excitedly watched the Helicopter Ball Drop, hoping that one of their numbered golf balls would land closest to the pin

on the 10th hole. Tamorah HoffmanWeiss was the lucky winner and walked away with $2,500.00!

The evening culminated with the Dinner Reception, which hosted 145 guests, and included dining, an awards ceremony, a raffle, and dancing. Jon Dennis, Jamie Speirs, Peter Elia, and Bob Weaver were the overall tournament winners and each took home fine bottles of wine.

All in all the tournament was a great success and raised close to $20,000

for St. John’s. Proceeds from the tournament will go towards funding St. John’s programs, including the new STEAM program. St. John’s STEAM program is scheduled to launch in early 2014, at which point St. John’s will become the first STEAM certified school in Southern California. For more information on St. John’s and the upcoming STEAM program visit www.stjohns-es.org/ steam.

Event co-chairs Matt Miller and Gordon Clemons looking sharp before St. John’s parents Meko and Randy Price and Stephanie and Michael Yurkovich stop for a photo with Head of School Michael Pratt and the 3rd Annual St. John’s Golf Tournament.

Chancellor Jim Lusby before hitting fairway in their “formal uniform”

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

Intense Fat Burning Workouts With 10 Pound Dumbbells

Editorial offices: 23472 Vista Del Verde, Suite 6 Coto de Caza, CA 92679-3930 949-589-9990 To send a press release: newseditorials@yahoo.com

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A Few Little 10 Pound Dumbbells Can Go a Very Long Way in Burning Fat and Working Your Butt Off.

By Jillita Horton You’ll be amazed at how intense and fat-burning a workout can be with just 10 pound dumbbells. I’m a certified personal trainer, and my clients are always flabbergasted at how intense a workout with such light dumbbells can actually be.

You can base an entire workout on just two 10 pound dumbbells and burn a lot of fat.

The following workouts with just 10 pound dumbbells are not geared towards endurance. This isn’t about walking while holding these little weights or curling them while pedaling a stationary bike. This is about getting sweaty and huffing and puffing, getting hot and drippy with heartpumping fatigue.

The objective is to fatigue rapidly for optimal fat-burning, but even if you’re already lean, these workouts will promote musculoskeletal and cardiorespiratory fitness.

Legs Half-ball squat. Standing on the flat side of a half-ball, holding the 10 pounders at shoulder height or crossed at the chest, squat deeply for 20-30 repetitions.

If you’re a beginner, squat on the floor for several weeks before moving on to the BOSU ball. Either way, rest one minute and repeat two more times with a minute rest.

Stool jump. Use a 12 inch stool and hold the dumbbells on either side of the body, and jump up with both feet at the same time, then jump back down. The jump back down can also be forward. Jump as high as possible off the stool.

This is to be done as fast and as

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high as possible for one minute. Less fit trainees can jump onto a step class stepper elevated at one riser level.

Treadmill incline. Set treadmill to 15 percent and 2 mph and walk while holding the 10 pound dumbbells at the sides or at chest, for three minutes.

Depending on your fitness level, use a speed of 2.5 or even 3 mph, or if you’re not very fit, set the speed at 1.5 mph.

Squat jump. For 30 seconds, do your best squat jumps while holding the 10 pound dumbbells. Don’t avoid the squat; get down as deep as you can before springing back up. Jump off the floor; don’t just go up on the balls of your feet.

Realize that the deeper the squat and higher the jump, the fewer repetitions will be completed in 30 seconds. The point is to become exhausted in 30 seconds.

Upper body Pushup-row-mountain climber. Get into a pushup position, hands on the 10 pound dumbbells. Perform one pushup, row a dumbbell to your side with the right arm; do a pushup; repeat the row with the left arm; do a pushup; bring right knee to left abdomen, then left knee to right abdomen, then begin the sequence all over. Keep doing this for one minute.

If you’re not fit enough to do this, modify the routine. This can be done several ways. For example, the rowing can be done by each arm before each pushup; or, the mountain climbers can be done in an alternating fashion instead of both legs successively; or, the pushups can be done off the knees.

Dumbbell swing. This is the same as the kettlebell swing except in each hand is the 10 pound dumbbell. Swing them between the legs, breaking the

plane of the legs, before swinging them back up, and swing them up above shoulder height. Do 15 to 30 reps, rest one minute, then do 15 to 30 reps.

Dumbbell jog. If the gym has a track, jog nonstop while holding the weights for five minutes as a semiwarm-down. The final warm-down is a five minute walk holding the weights (or, to put it another way, a five-minute very light farmer’s walk).

If the gym doesn’t have a track, use the basketball court perimeter if it’s clear enough. If there isn’t a basketball court, use a treadmill.

How much rest in between each exercise?

That can vary, depending on one’s fitness level. It can be two minutes or one minute, or even 30 seconds for very fit trainees.

However, for the fittest people, have each station set up in close proximity, and move from one station to the next as each station is completed. This can be thought of as a gigantic superset.

In order to do this, though, intensity level of each component exercise must be reduced.

This workout is a total fat-burning enterprise, even though you’re using only 10 pound dumbbells. Follow these instructions so that you get dripping, hot and out of breath for optimal burning of stubborn body fat.

It is health that is real wealth and not pieces of gold and silver. ~Mahatma Gandhi

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

Big Love for Big Champagne

HAPPY GRAPES

By David White Wine writers love explaining why Champagne and other sparkling wines deserve a spot at the dinner table all year long.

Good sparklers are characterized by vibrant acidity and freshness, which help them cut through spicy meals, complement savory food, and elevate even the simplest of dishes.

Plus, they’re delicious every night of the week, regardless of whether there’s anything to celebrate.

But we inevitably write about this topic in late December. After all, Champagne houses and retailers alike spend millions each year to convince us that New Year’s Eve is best enjoyed with a glass of sparkling wine. And marketing matters.

The focus of these columns is just as predictable.

Writers who cater to the everyday

consumer offer tips on how to find value, steering readers toward sparkling alternatives like Cremant de Bourgogne, Cava, and Prosecco.

After all, Champagne isn’t cheap.

Writers who cater to a more sophisticated audience laud “grower” Champagnes. Made by the farmers who grow the grapes, these wines have exploded in popularity over the past few years and offer a refreshing alternative to big brands like Moet & Chandon and Veuve Clicquot. Plus, just as food consumers feel better about purchasing fruit at the local farmers’ market, wine consumers feel better about supporting growerproducers.

C o n s e q u e n t l y, f e w w r i t e r s champion the brands you can easily find at wine shops across the country.

Th is i s un fo rtunate. Whi l e Champagne’s big brands aren’t trendy right now, the top producers deliver consistent, high quality wines year after year. And their offerings have never been better.

Earlier this year, I hosted several friends for a blind tasting focused on these brands.

We focused entirely on non-vintage wines. Champagne is France’s most northern wine region, so growing conditions can vary significantly and the grapes often struggle to ripen.

Since Champagne houses strive to

offer a consistent style every year, utilizing multiple vintages helps winemakers achieve uniformity.

Of course, if the growing season is strong, many producers will also produce a vintage bottling.

We also kept the tasting limited to blends. Most Champagne houses purchase grapes from growers across the region, utilizing varying amounts of Pinot Noir, Pinot Meunier, and Chardonnay, again to achieve consistency. So for the blind tasting, we avoided Blanc de Noirs (comprised of Pinot Noir and/or Pinot Meunier) and Blanc de Blancs (comprised entirely of Chardonnay).

Finally, we limited ourselves to “Brut,” the most popular style of sweetness.

We threw in one of my favorite grower-producers, Chartogne-Taillet, and also included Costco’s Kirkland Signature Champagne.

The biggest surprise? Kirkland.

With five first place votes, it won the tasting!

That Costco’s Champagne did so well makes sense. The wine is produced by Manuel Janisson, a well-known producer with a long history in the region. Of course, the Kirkland label lacks charm; it’s hard to see the bottle and not think of generic toilet paper or peanuts. And I’ve since learned that the wine lacks

the consistency one would expect from Champagne, so be sure to try a bottle before stocking up.

Among more traditional labels, Moet & Chandon’s “Imperial” almost always delivers. It’s the best-selling non-vintage Champagne in the world, so oenophiles often pooh-pooh this wine. But it’s bright, ripe, and delightfully complex. And at $40, it rarely disappoints. Other favorites at around the same price include Pol Roger’s “White Foil” and Perrier Jouet’s “Grand Brut.” For about $15 more, Bollinger’s “Special Cuv” is worth trying. Rich, toasty, and firmly structured, it’s always impressive.

Although Veuve Clicquot’s “Yellow Label” has long been associated with luxury, the wine is typically uninspiring.

Nicolas Feuillatte’s Brut Reserve is similar. Both wines are tasty, but they offer little in the way of complexity; they’re simply serviceable.

There’s never been a better time to explore Champagne. And while there’s nothing like popping a cork when the clock strikes midnight, make sure to save some for January and beyond.

David White is the founder and editor of Terroirist.com, which was named “Best Overall Wine Blog” at the 2013 Wine Blog Awards.

His columns are housed at Grape Collective.

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

BOB BAKER’S FUN WITH STRINGS! begins performances January 11, 2014 The Bob Baker Marionette Theater kicks off its 54th season with “Bob Baker’s Fun With Strings!” beginning performances January 11, 2014.

Come join the world famous Bob Baker Marionettes as they whisk you away to “The place where Imagination dwells.” Join Jack Frost, The Snow Queen, Chili Dog, The Balloon Clown, and over 100 of Bob Baker’s whimsical creations as they lead you on a wondrous journey with many a magical stop along the way.

With a day at the Monkey Circus, a journey through the Snow Queen’s Winter Wonderland, and even a visit to Paris (Puppet style of course,) “Bob Baker’s Fun With Strings!” is a show you will never forget.

“Bob Baker’s Fun With Strings!” is an hour-long production. After the performance, guests are invited to visit with the Puppeteers and have refreshments in the famous Party Room.

The Bob Baker Marionette Theater in downtown Los Angeles is the oldest of its kind in the United States and has been entertaining children of all ages since its inception in 1960. At that time, Bob Baker and his business partner Alton Wood turned a scene shop in Los Angeles into the family entertainment landmark that it is today.

The theater has an inventory of nearly three thousand puppets with just about everything from robots that light up, to dancing frogs, to egg laying chickens. Baker’s marionettes have entertained nearly seven hundred thousand people since the theater’s opening.

Jennifer Steinhauer of The New York Times has described Baker’s shows as “a staple of a Los Angeleno childhood. It is the cultural equivalent of the annual march by the nation’s third graders to the neighborhood firehouse.” On June 3, 2009, The Bob Baker Marionette Theater was declared an historic cultural monument by the city of Los Angeles.

Page 6

More About Bob Baker Bob Baker first became interested in puppetry at the age of five, and has since become an innovator, artist, puppet master, and top-notch animator with credits in television and film.

His marionettes have entertained thousands of children and adults worldwide over the years. Mr. Baker has a current inventory of over three thousand puppets, with just about everything from robots that light up, to dancing frogs, to egg laying chickens.

Bob began to learn the magic of puppetry at the early age of eight.

He trained with several different local companies and put his skills to work with his first professional performance for director Mervyn Leroy. After graduating from Hollywood High School, he began his extensive career in animation at the George Pal Studios. He began as an apprentice and soon became a top animator of “Puppetoons” a year later.

After WWII, Bob began manufacturing toy marionettes that sold both in Europe and the United States. Fifty of the finest department stores in the country carried his line including Bullocks Wilshire, Saks Fifth Avenue, Niemen Marcus, FAO Schwarz, and Marshall Fields.

Bob also served as an animation advisor at many film studios including Walt Disney. As a puppeteer his prestigious credits include the films: “A Star Is Born”, “G.I. Blues,” “Close Encounters of the Third Kind”, “Escape to Witch Mountain,” and “Bedknobs and Broomsticks”, as well as work on countless television series and projects. Baker has performed with the likes of Judy Garland, Elvis Presley, and Angela Lansbury.

Aside from running the theater, Baker maintains an active role in the company’s traveling shows.

Bob has taken his marionettes to countless fairs, puppet festivals, and of course, birthday parties.

The Bob Baker Marionettes have

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entertained audiences in Las Vegas, Toronto, New York, Germany, and have even performed on Navy ships and submarines.

Mr. Baker is the former president of the Los Angeles Puppet Guild and Governor of the Television Arts & Sciences Animation Branch and currently sits on the Academy of Motion Picture Arts and Sciences.

Bob’s dream of establishing a school began with the formation of the Academy of Puppetry and Allied Arts, a non-profit organization. The Academy’s mission is to educate the public about puppet arts and to encourage and foster puppetry presentations. The Academy of Puppetry provides funding to subsidize tickets for students from local area schools to attend performances at the Bob Baker Marionette Theater and distributes literacy and language development resources that bring the experiences at the Theater back to the classrooms.

The Academy of Puppetry provides students and teachers in the Los Angeles area the opportunity to attend puppetry presentations and learn about the integration of puppetry arts with language arts, music, art, sculpture and crafts. The program also fulfills the Academy of Puppetry and Allied Arts’ mission of preserv-

ing puppetry arts and creative live entertainment for future generations of children and adults. Bob’s goal of a refurbished theater complex complete with training facilities is still a long way off. However, Bob hopes that, with the aid of civic leaders and corporate sponsors, his Academy will one day be a reality and housed in buildings adjacent to the historic Theater.

Calendar Listing BOB BAKER MARIONETTE THEATER Venue: The Bob Baker Marionette Theater. 1345 West First Street, Los Angeles, 90026 Performance Schedule: Performances begin January 11, 2014. Tuesdays through Fridays at 10:30am. Saturdays and Sundays at 2:30pm.

Tickets: Children and Adults $15.00 Children under Age 2 Free Call the Box Office For Required Reservations: (213) 250-9995 In Person: The Bob Baker Marionette Theater. 1345 West First Street, Los Angeles, 90026 Online: www.bobbakermarionettes. com.

Groups: Birthdays celebrated at all Performances –- Call (213) 250-9995 for details. Group Prices available as well. Information: www. bobbakermarionettes.com

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

Sprint for Health and Fitness

By Joan Kerrigan It seems like everyone in the fitness world is talking about sprinting these days, and for very good reason. If you aren’t doing some kind of sprints as part of your weekly workouts, you’re missing out on amazing benefits.

Sprints are a form of HIIT (High Intensity Interval Training). They are characterized by short intervals of intense effort, followed by periods of active recovery, or rest, repeated for a certain number of repetitions.

Although sprints can be done with any cardio exercise, I’m going to focus on one you’re probably familiar with - running.

There are a number of variables to consider in sprint training and I’ll go into specifics a little later, but first the benefits. Sprinting is a whole body exercise that repeatedly raises your heart rate, and works your legs, glutes, abs and back. It’s an advanced technique but if you’re willing to be patient and carefully add it into your schedule, it’s a great way to get an intense workout in very little time.

The high impact nature of sprinting increases bone density, as well as tendon and muscle strength around joints. This is all good for helping you avoid injury. Sprinting teaches the legs to move faster. This can help any athlete in sports that utilize

explosive power. If you’re already a runner, this is especially helpful at the end of a race for that final finishing kick. It is also good for people engaging in everyday activities; think about dashing after a child who has wandered into the street, or chasing a dog who has escaped the fence.

Sprinting aids fat loss. Studies show that the body burns more calories during the hours after sprinting than steady state moderate cardio exercise that keeps your effort in the so-called “fat burning zone.”

This is called EPOC or Excess PostExercise Oxygen Consumption.

During sprinting, hormones and enzymes spike that help the body use fat for fuel. Even athletes, such as bodybuilders and wrestlers, who don’t run as part of their sport use sprints to keep body fat down and increase explosive power, muscle strength, and growth.

Sprinting is surprisingly beneficial for endurance athletes. When my trainer said I needed to start doing sprints, I thought he was crazy. After all, I’m a medium distance runner with 5k (3.1 miles) being the race I usually run. But I found that he was totally right. My time improved quickly during the first season of working with sprints, and is still improving. The body learns to store and use oxygen more effectively. Running efficiency is

improved and VO2 max is increased.

There are some cautions to keep in mind about sprinting. Always warm up properly before starting your sprints.

You are more liable to injure yourself when doing a high intensity workout using cold muscles. In fact, it takes me so long to warm up and I get cold so easily, I won’t even attempt to do sprints outdoors on cold days.

I learned this the hard way when I pulled a hamstring doing hill sprints on a chilly morning in the park.

A major consideration is your speed. If you’re new to sprinting, start off slower than your maximum effort. Going at 100% in training is not necessary or even ideal. If you go too fast when you sprint, you are more likely to pull a muscle. It takes time to heal and can be frustrating for anyone. Experience will help here.

There are a number of ways to add sprints into your weekly workouts. Try starting with 1 sprint session a week and see how you respond to the effort and the recovery. Don’t do sprints every day. Just like a traditional strength workout, your body needs recovery time between workouts, at least a full day.

Start with 3 to 4 short repetitions, 8 to 10 seconds, of speed interspersed with recovery. Only increase the number of sprints after a week or two. Don’t overdo it at the beginning,

or you may risk burnout or injury.

If you’re glancing at your watch toward the end of the interval, you’re probably on target for maximum time spent at speed. Give yourself plenty of recovery time between sprints. You can walk as long as 2 or 3 minutes between sprints, depending on how long or fast you go.

If you’re looking to progress, there are a number of ways to increase difficulty. Make your sprint intervals longer, make your recovery time shorter, run faster, run up hills or do more interval reps. Just don’t change them up all at once. Pick one thing to change and after a week, change one more thing.

Finally, as with any exercise program, you should first exercise good judgment and check with your health care provider to make sure that sprinting isn’t contraindicated for some medical or health reason. And then proceed with care. This is not for beginners. But for advanced athletes, the benefits will be worth the effort.

Eating well at any age: How to fuel your mind, body and soul It’s common knowledge that children should eat plenty of fruits and vegetables, consuming all the nutrients needed to grow up strong.

Many adults don’t know that it’s just as crucial to continue those healthy habits throughout adulthood and well into the “golden years.” Regardless of age, we should all make nutritious and sensible choices to promote peak physical and mental performance.

Build strong bones Experts say the human body begins to lose bone mass at about age 30. That’s why it’s important to get plenty of calcium to keep bones strong, along with vitamin D, to help your body absorb calcium. Good sources of calcium include green leafy vegetables such as spinach, kale, okra and collard greens. A convenient and delicious way to take in more calcium is to incorporate an Emerald Smoothie into your daily routine. Simply blend pineapple, celery and spinach with soy milk and ice in a Vitamix 7500. This quick and easy concoction will give your diet an extra boost of essential nutrients.

Sharpen the mind Making wholesome choices helps keep your brain fit. Omega-3 fatty acids, found in oily fish like sardines and salmon, as well as flaxseed and walnuts, have been linked to

improved cognitive function and reduced risk for certain diseases.

Eating fish regularly is one way to get enough omega-3s. If you’re not a seafood fan, numerous types of fish oil capsules are available at drug stores. Avocados also boast omega3s, as well as monounsaturated fat, which can help lower cholesterol and improve circulation. Avocado provides a rich flavor and texture perfect for nearly any sandwich, as well as dips, smoothies and even desserts.

Antioxidant-rich blueberries are another mind-boosting addition to any diet. Considered a “super food,” these berries contain properties that have been linked to better brain health, improved motor skills and a sharper memory. To increase your berry intake, try a fruit salad for lunch or whip up a fresh berry sorbet for dessert.

Nourish your nervous system Vitamin B12 is vital to your wellbeing. It can aid your body in producing red blood cells, properly developing nerve cells and preventing anemia.

This vitamin can be found naturally in animal products, such as fish, meat and eggs. Steamed clams and lean beef are some of the best sources of Vitamin B12. Those maintaining a vegan or vegetarian lifestyle should

consider a supplement or foods specially fortified with B12, including certain breakfast cereals or soy products.

Stay hydrated Water is essential for your body. It keeps you hydrated, regulates body temperature and flushes waste. As we age, our sense of thirst may not be as effective, causing some older adults to be dehydrated but not feel thirsty. The average adult requires six to eight glasses of water each day, so a good rule of thumb is to have one glass at each meal and at least one glass in between meals.

Almond milk, soy milk and wholefood juices, made by blending whole fruits and vegetables in a highperformance blender like a Vitamix, can also keep you hydrated and satiated. When reaching for a thirst quencher, try to avoid sugary drinks such as soda and processed fruit juice, which add calories without much nutritional value.

Aging is inevitable, however, you can build a stronger body, mind and soul at any phase in life. All it takes is knowledge, motivation and followthrough to keep yourself healthy and full of energy for years to come.

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Four simple tips to achieve your New Year’s resolutions The new year is here and it’s time to tackle your resolutions! You’ve set your goal, and now is the time to take action. A recent survey by Bing and Impulse Research showed 69 percent of people were all talk last year and did not keep their New Year’s resolution. The same survey showed 41 percent of people want to improve their health and lose weight in 2014. Following a few simple tips can help you kick start your healthy habits and inspire you to achieve your goals this year. * Be specific. Rather than creating a general goal to lose weight, workout more, or eat healthier, set a goal that is measureable and realistic. If your goal is to lose weight, decide how many pounds you want to lose, and set a target date for the weight loss.

If you want to work out more this

year, think about how many times per week you want to hit the gym.

This is an important step in setting a goal because it will keep you motivated, and allow you to assess your progress. * Make a strategy. Take the time to think through what it will take to achieve your resolution and create benchmark goals throughout the year. Doing so will help you track your progress and create opportunities to reward yourself along the way. People often spend too much time critiquing themselves or focus on how far away they are from their end goal and forget to celebrate the smaller wins.

Make a plan to reach your goal and reward yourself as you reach your milestones. * Learn your barriers and find solutions. In our time-starved world it’s not surprising that 20 percent of people say they don’t have enough time to accomplish their New Year’s resolution. Don’t let your busy schedule hold you back from accomplishing your goal; instead, focus on doing a little bit every day. If you’re on the go, choose a healthy snack like carrot sticks or walnuts to prevent you from reaching for sugary treats. The Bing

Health & Fitness app for Windows 8.1 has nutritional information for more than 200,000 foods so you can compare your options and select the healthiest choice. If your busy day kept you from hitting the gym, don’t let that be an excuse not to work out.

The app also has more than 1,000 exercise videos so you can work out anywhere. And if you’re too busy to get in a whole workout, select an area that needs some attention and the app will suggest workouts that target that area. With this app, you can stay on track by finding a workout that fits your schedule. * Grab a partner. The buddy system

is an effective way to achieve your goal. Find a friend or family member with the same goal so you can support each other and share tips along the way. At the beginning of the year, schedule workout dates and active get-togethers. Share recipes or make plans to cook together so you have healthy, ready-to-eat meals. Having someone hold you accountable will help inspire you to keep up your hard work, not to mention it also makes achieving your goal fun.

Follow these four tips and you’ll be on your way to achieving your health and fitness goals in 2014.

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LADERA RANCH MOM IS FINALIST COMPETING FOR $1 MILLION GRAND PRIZE IN DORITOS COMMERCIALS

Fans Around the World Can Now Vote For The Best Ad From January 4 through January 29

Photo by Andrew Abajian From Cornfest to corn chips: Before becoming a mom, Amber Gill,competed in numerous pageantry competitions, becoming the Cornfest Queen of her local corn festival in the little town of Oakley, California, and being named “Miss Greater East Bay” for the Bay Area region of California. She even qualified for the Miss California pageant in 2001. Now, the mother of two boys has decided to go behind the camera to pursue her dreams of making it in Hollywood her ultimate dream to create a family-friendly movie. The vocal teacher based in Orange County, California entered the Doritos Crash the Super Bowl contest as her first foray into writing and producing, and now she’s already on the cusp of breaking through.

“Cowboy Kid” was shot over two days in a residential area in Orange County California. Her husband David says the dog was the highest-paid actor on the set. Amber Gill, A Ladera Ranch mom of two boys ages 3 and 1, sees plenty of sibling competition and rivalry in her house every day.

She wanted to capture this universal theme for her hysterically funny 30-second Doritos commercial where a little boy dressed as a cowboy rides a family dog like a horse and lasso’s a bag of Doritos away from his older brother.

Selected from thousands of submissions representing 30 countries around the world, the Doritos brand today announced the five finalists for the Doritos “Crash the Super Bowl” contest who are vying for a $1 million (U.S.) grand prize. Fans are now invited to vote for the best ad on www.doritos. com from January 4 through January 29. Ultimately, two ads will air in front of a global television audience during Super Bowl XLVIII ,one selected by the world’s votes and one by the Doritos brand team.

The two lucky winners will have the opportunity to work with Marvel Studios on the set of “Marvel’s The Avengers: Age of Ultron,” and for the first time in Doritos Crash the Super Bowl history, the creator of the ad that receives the most fan votes will win a guaranteed $1 million in prize money. This marks the first year PepsiCo’s Doritos brand has opened its annual “Crash the Super Bowl” contest to fans from around the world where Doritos tortilla chips are sold. Visit www.doritos.com to view the ads and full contest rules.

The five Crash the Super Bowl finalist ads are:

• “The Cowboy Kid” by Amber Gill, Ladera Ranch, California, United States • “Time Machine” by Ryan Andersen, Scottsdale, Arizona, United States • “Office Thief” by Chris Capel, Valencia, California, United States • “Breakroom Ostrich” by Eric Haviv, Atlanta, Georgia, United States • “Finger Cleaner” by Thomas Noakes, Sydney, Australia A qualified panel of judges, including executives from the Doritos brand, advertising professionals and the legendary Stan Lee of Pow! Entertainment , chairman emeritus of Marvel Comics and co-creator of such Super Heroes as Iron Man™, Spider-Man™ and others selected the five finalist ads. “As someone who has brought comic book characters to life for an entire career, I know what it takes to tell a great story,” Stan Lee said. “In just 30 seconds, these five finalists tell incredible stories , each with their own style ,and have left me truly blown away.”

“When the Doritos brand first launched Crash the Super Bowl, the concept of user-generated content was brand new,” said Ram Krishnan, vice president of marketing, PepsiCo’s Frito-Lay division. “Since then, the amount of content created and shared on a global level has grown to an astounding rate.

We were so excited by the global response to this year’s contest, and are thrilled to now spotlight two finalist ads on one of the world’s biggest advertising stages.”

Each of the five Crash the Super Bowl finalists are invited to attend Super Bowl XLVIII in East Rutherford, N.J., and watch the game from a private luxury suite, where they will tune in to learn which two finalist spots will air. The creators of both winning ads will receive the opportunity to work on the set of “Marvel’s The Avengers: Age of Ultron” and the ad with the highest total number of votes will win its creator the $1 million grand prize. The runner-up will receive $50,000 (U.S.). The three finalists whose commercials don’t air during the broadcast will each win $25,000 (U.S.). The Super Bowl XLVIII broadcast is set for Sunday, Feb. 2, 2014, on FOX. As one of the leading snack brands in the world, Doritos has a presence in 46 countries and six continents. With flavors ranging from Nacho Cheese

and Cool Ranch to Sweet Chili Pepper and Tangy Cheese, the worldwide Doritos portfolio currently offers more than 70 unique varieties.

PepsiCo’s relationship with the NFL is among the company’s longest-running and most-successful sports sponsorships. PepsiCo has leveraged its relationship with the NFL to connect with consumers throughout the season with activations spanning many of the company’s largest food and beverage brands, including Pepsi, Tostitos, Quaker, Doritos and Gatorade.Marvel Entertainment, LLC, a subsidiary of The Walt Disney Company, is one of the world’s most prominent character-based entertainment companies, built on a proven library of more than 8,000 characters featured in a variety of media over seventy years. Marvel utilizes its character franchises in entertainment, licensing and publishing. For more information visit marvel.com.

Doritos is one of the leading brands from PepsiCo’s global snack portfolio. To learn more about the Doritos brand, visit its website at www.doritos. com.

PepsiCo is a global food and beverage leader with net revenues of more than $65 billion and a product portfolio that includes 22 brands that generate more than $1 billion each in annual retail sales. Our main businesses Quaker, Tropicana, Gatorade, Frito-Lay and Pepsi-Cola make hundreds of enjoyable foods and beverages that are loved throughout the world. PepsiCo’s people are united by our unique commitment to sustainable growth by investing in a healthier future for people and our planet, which we believe also means a more successful future for PepsiCo. We call this commitment Performance with Purpose: PepsiCo’s promise to provide a wide range of foods and beverages from treats to healthy eats; to find innovative ways to minimize our impact on the environment by conserving energy and water and reducing packaging volume; to provide a great workplace for our associates; and to respect, support and invest in the local communities where we operate. For more information, please visit www.pepsico.com.

Orange County residents and in particular those who live near Ladera Ranch will be cheering and probably voting for their hometown favorite Amber Gill’s commercial “The Cowboy Kid”. Visit www. doritos.com to view the ads and full contest rules.

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Society Scene by

Kelly Bennett Exclusively for the Coto de Caza News

High School Prom Night for 2013 Ducks Casino Night Raises Funds for Foster Children

Kelly Bennett with Ducks players

photos were taken by Ann Chatillon!

With the theme, “High School Prom” for the 2013 Anaheim Ducks Casino Night, you can bet a sea of tuxedos and prom dresses from various decades were there. Around 475 guests joined the Anaheim Ducks for their annual event to benefit Orangewood Children’s Foundation in support of local foster kids. With food, entertainment, opportunity prizes, dancing and even a Prom King and Queen, what made this night special was the event was held in the gymnasium of Servite High School in Anaheim giving it that nostalgic feel.

This event gave fans of all ages the opportunity to get up close to their favorite Ducks players. All the players were dressed in light grey tuxedos, black bow ties and ruffled tuxedo shirts in various pastel shades as they mingled with the crowd and rotated as dealers at the gaming tables.

The event committee was led by Orangewood’s 44 Women for Children auxiliary member Kimberly Kirksey and the title sponsor was The Klein Family.

The highlight of the evening was the crowning of prom king and queen Ducks player Corey Perry and Kimberly Kirksey, who were voted on by attendees.

Ducks head coach Bruce Boudreau with Michelle Hatch and Dennis Guests enjoyed spiked punch which was made up of Moscato, Smirnoff Raspberry Vodka, lemon juice and club soda as well as various buffet stations, Kuhl (Chairman of the Angels) and desserts including mini PB&J cupcakes, homemade pop-tarts, and mini s’mores pies.

A VIP area, or rather the “Varsity Club,” was set up for sponsors.Around the main floor guests were able to nosh on a variety of items throughout the night.The yummy delights were all catered by Fork in the Road Catering.

The band, NeOn NaTiOn, got the crowd out on the dance floor, dancing to mostly 80’s cover tunes. There were Vegas-style games of Blackjack, Craps and Roulette – all presented by San Manuel Indian Bingo & Casino with Anaheim Ducks players rotating as dealers.

An extensive variety of silent auction items were available for bidding.

Guests could also purchase tickets for five opportunity prizes. Winners were Kim Whitsitt of Newport Beach who won a $500 South Coast Plaza Shopping Spree; a 39” LED Vizio TV was won by Carlos Leija (Orangewood Chief Development Officer); Four (4) Tickets to the Anaheim Ducks vs. Los Angeles Kings Outdoor Game at Dodger Stadium plus Hospitality was won

by Allyson Senter and Pattie Hinkson took home the Anaheim Ducks custom Pedego Electric Bike.

In the crowd were Ducks owners and long-time Orangewood supporters, Prom king and queen; Ducks Henry and Susan Samueli (Susan is founding chair of the Orangewood’s 44 Title sponsors Bill and Jenny player Corey Perry and 44 Women Women for Children auxiliary and also an Orangewood board member); Ducks Klein event chair Kimberly Kirksey. players including Team Captain Ryan Getzlaf, NHL 2012 All-Star Corey Perry, Cam Fowler, and goalie Jonas Hiller; Ducks Head Coach Bruce Boudreau; title sponsors Jenny and Bill Klein; Kelly and Jim Mazzo; Angels Chairman Dennis Kuhl; Orangewood board chairman Bruce Fetter and wife Lynn; past 44 Women board chairs Lupe Erwin and Kelly Bozza; Orangewood CEO Chris Simonsen; and Orangewood board members Joel Goldhirsh (and wife Karen), Stuart Bernstein (and wife Katie), Casey Journigan (and wife Cindy), and Sandi Jackson.

Founded in 1981, Orangewood Children’s Foundation is one of the leading providers of services to current and former foster youth. Their mission is to provide life-changing prevention and intervention programs for abused and neglected children, young adults and at-risk families through one-on-one support and community partnerships to end the cycle of child abuse. Last year, they helped over 1,500 children and teens with programs that prepare them to make a successful transition from the foster care system to independent adulthood. Their programs focus on education, employment, housing, life skills and basic needs. Without the Foundation’s support and guidance, these children can become homeless, unemployed or incarcerated. For more Ducks owners Susan and Henry Samueli with team captain Ryan information please visit www.OrangewoodFoundation.org.

Getzlaf Page 12

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New year, new you, new boat: Insider tips for shopping a local boat show A new year means new resolutions.

Maybe your resolution is looking to spend more quality time with family and friends? Learn something new? Spend more time outdoors or being active? This is the year to follow through on that resolution and discover boating - an activity that can accomplish all of the above.

Boating counts more than 88 million Americans getting on board each year and not only creates priceless memories with loved ones, it helps kids and adults disconnect from technology and reconnect on the water. In fact, more than half of Americans say getting out on a boat is one of the best ways to bond with

family, according to a 2012 survey

by Discover Boating and Kelton Research.

If boating is on your radar, getting started can be easy. Ring in 2014 by shopping a local boat show to learn more about what, when, where and how to fish, sail, wakeboard, ride personal watercraft, cruise and more.

Throughout the winter and spring, hundreds of boat shows are held around the country and they provide a taste of the boating lifestyle, deals on boats for every budget, and an opportunity to compare boat brands side-by-side.

Boat shows are a buying environment with hundreds of new-

year models at special show pricing.

It’s simple to find a show nearby with the Boat Show Finder, which locates shows within a 200-mile radius.

Once you locate the nearest boat show, use these insider tips to get the most out of your experience. * Find your virtual dreamboat.

Before visiting a boat show, you’ll want to know which boats to shop. Start your search online with DiscoverBoating. com’s Boat Selector to identify which boat types fit your lifestyle, interests and budget. Plug in your preferences for on-water activities, number of passengers, boat length, price range, and propulsion to narrow down boat options before leaving home. * Make the most of show pricing.

It helps to know what fits in your budget before shopping a show. Use this boat loan calculator to estimate monthly payments, which can be as low as $250 a month or less. Since one of the best times to buy a boat is at a boat show, exhibitors generally offer special show pricing and other incentives during the winter season. * Learn the ropes. Boat shows provide opportunities for beginners to learn about getting on the water, and experienced captains to hone their skills. Look for shows offering interactive workshops and seminars, including knot-tying, DIY boat maintenance, and docking. It’s not

only fun to learn new skills, but smart to take advantage of the onsite training boat shows offer usually at little to no cost. * Bring the whole family. More than a shopper’s paradise, there’s fun to be had by everyone. Boat shows often offer free activities to keep the kids entertained, including fishing, paddlesports, sailing simulators and more. Plus, it helps to make boat buying a family decision, keeping in mind which activities will appeal most to the kids and the adults. -* Look for the seal of approval.

When shopping for a boat at a show, online or at a dealership, always check to make sure it is certified by the National Marine Manufacturers Association. An “NMMA Certified” seal means a boat has met strict industry standards for safety and construction and federal regulations, ensuring the best quality to the buyer. Look for the NMMA certified sticker near the helm and find a full list of certified boat manufacturers at DiscoverBoating.com.

This year, keep that new year resolution to get on the water and have some fun. Whether in the market for a boat or just curious about the boating lifestyle, the first step toward keeping that resolution is to visit a local boat show this winter.

10 simple ways to instantly improve your finances in 2014 Do you wonder how you could better manage finances? You’re not alone. When it comes to money, most people are far from perfect.

Whether you make $20,000 a year or $200,000, some simple steps can start you on the right financial path, and some of them only take a few minutes to complete.

“Personal finance is an intimidating topic, especially if you’ve made mistakes in the past,” says Michael McAuliffe, an adjunct instructor at Morton College and president of the nonprofit Family Credit Management.

“But everyone has the opportunity to start fresh and make improvements.

Your past missteps don’t have to dictate your financial future if you resolve to be proactive today.”

McAuliffe recently co-authored a financial workbook titled “Personal Finance Made Easy.” Thanks to a grant from State Farm, the workbook can be downloaded for free at www. familycredit.org, or you can request a hard copy be mailed to you free of charge. You can use the workbook alone or pair with the free online video lessons. Topics covered include money management, savings, investing and more.

McAuliffe suggests 10 simple ways for you to start improving your finances immediately: Page 14

1. Stop, think, save - When out shopping, don’t mindlessly pile things in the cart. Take a moment to stop, think what you really need, and save by not buying extras. Cutting unnecessary spending is easy when you make a habit of briefly pausing to analyze what you really need.

2. Cut 5 percent - If your employer cut your paycheck by 5 percent, you’d be unhappy, but you’d still be able to survive. Why not make that cut now?

Reduce the extras like your daily latte or weekly visit to the salon and the savings will mount quickly.

3. Save - Every little bit counts when it comes to savings. If you save just $5 a day - the cost of a fast food lunch - you’ll have $1,800 in a year. It’s OK to start slow and build momentum. The ultimate goal should be to save at least 10 percent of your net income (income after taxes and other deductions).

4. Budget - It sounds simple, but most people don’t have a solid budget. Create a spending plan now and stick to it. List all expenses and see where adjustments can be made.

Refer back to your budget regularly to stay on track.

5. Keep multiple savings accounts - The less accessible your money is, the easier it is to reduce spending.

Keep multiple savings accounts

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and pay yourself first. One savings account could be designated for an emergency fund, another for a new car or a future vacation.

6. Make it visual - Discourage overspending by reminding yourself why you are trying to save. A photo of your vacation destination, for example, illustrates what you’re saving for; put it everywhere you spend money - wallet, computer monitor, vehicle, etc.

7. Make your money work for you - Consistent contributions add up over time, and thanks to the power of compound interest, the longer you leave your money untouched in a savings account or other investment, the more it can grow.

8. Home savings - If you own a home, you know it can cost a lot of money. Cut costs by doing home improvements and maintenance jobs yourself rather than hire out.

Call your insurance agent and see if there is a lower rate for homeowner’s insurance. Check into refinancing while rates are still low.

9. Manage checking accounts - You need a checking account, but are you really keeping track of your money?

Online banking makes it easier than ever to balance your checkbook, track your spending and set up alerts when your balance goes under a certain

amount.

10. Review your credit report From mortgages and car loans to employment and renting eligibility, your credit report and score affect many aspects of life. You can review your credit report for free annually by going to www.annualcreditreport. com. Make sure you know what’s on it and make corrections as necessary.

For more practical financial tips, visit www.familycredit.org and order your free “Personal Finance Made Easy” workbook. In addition to partnering with State Farm on this project, FCM received grants from Bank of America, Barclays Bank and AICCCA (Association of Independent Consumer Credit Counseling Agencies.)

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A resolution you can keep all year: The one-day identity checkup Exercise. Lose the weight. Answer every incoming email.

Those are the hard kinds of New Year’s resolutions, because you have to think about them every day for the rest of the year. Many are forgotten long before Valentine’s Day. But here’s one important resolution, one you can fulfill today and easily keep all year: protect your identity.

Identity theft is a fast-growing crime, but there are ways to reduce your chances of being a victim. The identity theft protection experts at LifeLock recommend doing these five quick things today to help keep your identity safer all year long: Use safe passwords Are you among the people who use simple passwords like “123456” or “qwerty” or “abc123” to protect your personal information? Or even the word “password” itself? Many people do, so identity thieves can often break in just by trying the most popular passwords.

To create a safer password, avoid using words that are in the dictionary.

And stay away from your own personal information, like a nickname, pet’s name or birthdate. One option is to come up with a memorable phrase that includes numbers and symbols, and use the first letter of each word.

“My Tigers are Number One in

Football!” might become “MTaN1iF!” - a good example because it uses capital letters, lower-case letters, a number and a symbol.

Use multiple passwords Stop using the same password for every account. Several big companies and websites have recently had their users’ personal information stolen by hackers. If your password for one site is compromised, and you use the same password for your bank and credit accounts, it’s much easier for a thief to get into all of them.

At least have a different password for each account that has personal or financial information. And consider using a password-management program, which lets you set more cryptic passwords for each site you visit and control them with one master password.

Stash that Social Security card Do you carry your Social Security card in your purse or wallet? Don’t.

You may, on a rare occasion, need to show a Social Security card to an employer or a government agency. Aside from those days, keep it locked up in a safe place. Your Social Security number is a thief’s ticket to everything from opening new accounts in your name to stealing your tax refund. Don’t run the risk of losing it.

Protect your mail Do your bank statements, credit card bills and utility invoices arrive by mail? If your mailbox is outside your house, thieves can take those bills and collect personal information that helps them steal your identity. And once those documents are in your house and no longer needed, they can be stolen from a trash can or recycling bin.

First, if your mail is delivered outside your home, install a locked mailbox. And use a shredder, or the shredding services offered by local shipping stores and some credit unions, to destroy documents once they’re no longer needed.

But you can also take steps to keep that paperwork from ever arriving at your home in the first place. Have bills sent to you electronically; you’ll get them by email, save paper, reduce clutter and never have to worry about stolen mail or shredding. Opt out of credit card and insurance offers by visiting www.optoutprescreen.com.

And dramatically reduce the amount of unsolicited mail you receive by opting out of junk mail at www. dmachoice.org.

Be prepared for a loss If your wallet or purse is stolen, you’ll want to cancel all of your credit and debit cards before they can be misused. Keep a copy of each of your cards, or use a digital wallet program like LifeLock Wallet, which is available for your smartphone from the iOS and Android app stores. It gives you instant access to copies of your cards and also helps you track your balances, monitor transactions and cancel cards that are lost or stolen.

Do these things today and you can proudly declare that you’ll keep at least one New Year’s resolution all year long: Protecting your identity.

You can learn more about identity theft, and ways to keep you and your family safe, from the Federal Trade Commission at www.consumer. ftc.gov and from LifeLock at www.

LifeLock.com/education.

Beware of the Pitfalls of Public Wi-Fi

By Jason Alderman Ever notice how many people walk down the street completely engrossed in their smartphones and tablets? I fully expect to see one of them to walk into a light post one day.

Although it’s great having access to email, social networking and online shopping anywhere, anytime, such convenience comes with a certain amount of risk, according to Jennifer Fischer, Head of Americas Payment System Security, Visa Inc. “Unless you’re hyper-vigilant about using secure networks and hack-proof passwords, someone sitting at the next table – or halfway around the world – could be watching your every move online and stealing valuable personal and financial information right off your device,” says Fischer.

“There are two primary potential dangers with Wi-Fi,” notes Fischer.

“The first is using an unsecured network – as many public hotspots are.

With a little know-how and the right tools, cybercriminals could easily eavesdrop on your online activity.

“The second hazard is phony wireless networks that impersonate legitimate Wi-Fi hot spots. You think you’re logged onto a trusted network, but instead a cybercriminal has hijacked your session and can see all

the private information you access or input.”

When using public Wi-Fi networks, always follow these safety precautions: • Change default settings on your laptop, smartphone or tablet to require that you must manually select a particular Wi-Fi network, rather than automatically accepting the strongest available signal.

• Avoid any network connections your device lists as “unsecured” (look for the “lock” icon). But if you must log on to a public network, avoid websites that require log-ins and passwords – e.g., bank accounts or email.

• Ask for the exact name of the establishment’s hot spot address – don’t be fooled by lookalikes.

• Only send personal data via Wi-Fi to encrypted websites (those whose addresses begin with “https” and display a lock icon). To be safe, you may want to avoid conducting financial transactions on public Wi-Fi altogether; instead, use your secure home network.

• Consider using a third-party virtual private network (VPN) product to encrypt your Internet traffic.

• Regularly update virus and spyware protection software, make sure firewalls are on, and load operating system updates as soon as they

become available, whether for your computer or smartphone.

• Turn off Wi-Fi on your device when it’s not in use.

• Never leave a computer unattended while signed-in and always sign out completely at the end of a session.

• Keep an eye out for “shoulder surfers” who watch as you type in your password.

• Finally, change passwords regularly and use different ones for each website you visit. Use a mixture of letters, numbers and symbols and avoid common words and phrases.

Security experts recommend using at least 12 characters instead of the minimum eight characters commonly required.

Cybercrime is a booming business.

According to the Norton Cybercrime Report, its global price tag topped $388 billion last year, more than the global black market in marijuana, cocaine and heroin combined. It impacts individuals, small and large businesses and governments alike.

On October 2, 2013, Visa Inc. is hosting its fifth Global Security Summit in Washington, D.C. “We’re bringing together experts from the worlds of government, law enforcement, technology, finance, retail commerce and academia to explore how industry

Jason Alderman and government can collaborate to address cyber security,” says Fischer.

“Those interested in attending can register for free at www.visasecuritysummit.com.”

Being able to access the Internet anywhere anytime can be a great convenience and time-saver. Just make sure you know what precautions to take when using public Wi-Fi networks.

Jason Alderman directs Visa’s financial education programs. To Follow Jason Alderman on Twitter: www. twitter.com/PracticalMoney.

The Coto de Caza News

Page 15

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

The Coto de Caza News

Local Dentist Dr. Michael Tessier Discusses Beautiful, Quick and Easy Solution for Unsightly Black Fillings

22082 Antonio Parkway Rancho Santa Margarita, CA 92688 (949) 589-7767 www.sfsolano.org

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Dr. Michael A. Tessier

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The Coto de Caza News

the supermarket had mostly clean, white teeth, except for the two lower left molars with very large mercury/ silver amalgam fillings. They’d probably been in her mouth for twenty years, and while they could have been clinically sound, she probably did not realize how they affected her appearance.

By removing and replacing that black filling with a tooth-colored plastic restoration, or a toothcolored porcelain filling (lasts longer than plastic), or, in the case where removing the filling would leave the remaining tooth structure too weakened, a tooth-colored crown (or cap), the tooth could be returned to its normal, unremarkable appearance.

Given the law of unintended consequences and the first rule of medicine-“Do no harm”-we avoid doing dental work that isn’t absolutely necessary.

But a procedure like that is relatively non-invasive, and the effect is both dramatic and beautiful.

Worth thinking about.

If you have any questions about any things dental, please call my office (949-459-7212) to make a complimentary consultation appointment. The office address is 28562 Oso Pkwy at the intersection of Oso and Antonio Parkways in Rancho Santa Margarita.

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I remember when I started in dentistry looking at mouths full of black fillings. I seldom see that anymore today, particularly in Southern Orange County where my practice is located.

As an example, several years ago, there was a trailer for a Goldie Hawn movie in which this lovely actress threw her head back and laughed loudly, displaying a mouthful of silver/mercury amalgam fillings, which had turned black. Hardly consistent with the rest of her Hollywood visage.

When silver fillings get old, they corrode- effectively rust- and it’s this silver oxide that turns black. And, that blackening is so pervasive that it often turns the whole tooth very dark. Last week the checker at

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January 10, 2014

SOUTH COAST REPERTORY January - February 2014 Calendar

January 2014 Jan. 5-26 ● Julianne Argyros Stage Trudy and Max in Love

by Zoe Kazan Directed by Lila Neugebauer On rare occasions, you meet someone and everything clicks.

But is love a choice? Or does it just happen? Trudy writes young adult fiction; Max is a novelist of celebrity status. And their attraction is anything but convenient. This very funny take on an unconventional romance is the latest from the multi-talented Zoe Kazan. A playwright/screenwriter/ stage and screen actor on a roll, she’s the author and star of the hit indie film, Ruby Sparks, praised by The New York Times as “beautifully written and acted.” This play is an SCR commission.

Tickets: Prices start at $22 Dates: Previews: Jan. 5-9; regular performances Jan. 11-26.

Show times: Tuesday-Sunday evenings at 7:45 p.m.; Saturday and Sunday matinees at 2 p.m.

More information: (714) 708-5555 or www.scr.org Jan. 16-19 ● Nicholas Studio Dreamscape Presented by Hindsight Studio Productions Studio SCR “Ever have one of those dreams where nothing comes out when you try to scream?” The fatal Riverside police shooting of Tyisha Miller, which made national headlines in 1998, gets re-imagined through the powerful lens of hip-hop theatre. Using beatboxin’, spoken word and dance, two actors depict the inner life and death of 19-year-old Myeisha Mills. As 12 bullets rip through her body, Myeisha shares the memories of her life – the pleasures of softball, food, movies, kissing – with humor, beauty and pitch-perfect hip-hop rhyme.

Tickets: Tickets are $15 for a lowpriced February 13 preview; $25 general admission for February 1416. Students are $15.

Show times: Thursday evening at 7 p.m.; Friday-Saturday evenings at 8 p.m.; and Saturday-Sunday matinees at 3 p.m.

More information: (714) 708-5555 or www.scr.org

Jan. 24-Feb. 23 ● Segerstrom Stage The Light in the Piazza book by Craig Lucas. music and lyrics by Adam Guettel. Based on the novel

by Elizabeth Spencer Directed by Kent Nicholson Filled with sunshine, light as a summer breeze, this exhilarating musical follows the Italian travels of Margaret Johnson and her stunningly beautiful daughter, Clara. When a dashing young Italian captures Clara’s heart, Margaret is compelled to reveal the secret about her daughter. Even as she struggles with concern about Clara’s future, she must decide whether or not to release her hold— and bravely give the young lovers her blessing. Early in his career, playwright Craig Lucas found a home at SCR, which produced five of his plays in five years. Now he returns for the 50th Season with this awardwinning play boasting one of the most celebrated scores of the decade by Adam Guettel, grandson of the iconic composer Richard Rodgers.

Tickets: Prices start at $25 Dates: Preview: Jan. 24-30; regular performances: Feb. 1-23.

Show times: Sunday, Tuesday, Wednesday at 7:30 p.m.; Thursday, Friday and Saturday at 8 p.m.; Saturday and Sunday at 2:30 p.m.

More information: (714) 708-5555 or www.scr.org February 2014 Through Feb. 23 ● Segerstrom Stage The Light in the Piazza book by Craig Lucas music and lyrics by Adam Guettel based on the novel by Elizabeth Spencer Directed by Kent Nicholson Filled with sunshine, light as a summer breeze, this exhilarating musical follows the Italian travels of Margaret Johnson and her stunningly beautiful daughter, Clara. When a dashing young Italian captures Clara’s heart, Margaret is compelled to reveal the secret about her daughter. Even as she struggles with concern about Clara’s future, she must decide whether or not to release her hold— and bravely give the young lovers her blessing. Early in his career, playwright Craig Lucas found a home at SCR, which produced five of his plays in five years. Now he returns for the 50th Season with this awardwinning play boasting one of the most celebrated scores of the decade by Adam Guettel, grandson of the iconic composer Richard Rodgers.

Tickets: Prices start at $25 Dates: Regular performances: Through Feb. 23.

Show times: Sunday, Tuesday, Wednesday at 7:30 p.m.; Thursday, Friday and Saturday at 8 p.m.; Saturday and Sunday at 2:30 p.m.

More information: (714) 708-5555 or www.scr.org Feb. 7-23● Julianne Argyros Stage James and the Giant Peach

adapted by David Wood based on the Roald Dahl Book A rhinoceros ate the parents of James Henry Trott. That was bad enough. Then James was sent to live with his awful aunts. But all is not lost! A giant peach magically appears in the backyard, and James finds a secret way inside. He makes his escape with some of the greatest pals a kid can have—six very funny but fractious bugs, who must learn how to get along as they cross the Atlantic to their new home in Central Park.

Tickets: Children prices at $20 and adult prices at $25 Dates: Preview: Feb. 7-14; regular performances: Feb. 15-23 Show times: Friday evenings at 7 p.m.; Saturday matinees at 11 a.m.; Saturday and Sunday matinees at 2 p.m. and 4:30 p.m.

More information: (714) 708-5555 or www.scr.org Feb. 13-16 ● Nicholas Studio St. Jude

by Luis Alfaro Directed by Robert Egan Studio SCR Highway 99 becomes an emotionally charged memory lane for Alfaro when his father has a stroke, compelling him to revisit the Central Valley of his childhood. As the family gathers around the ailing patriarch, the artist, activist and MacArthur Fellow (Electricidad, Oedipus el Rey) conjures up memories of his youth— complete with an old-school slide show—from picking grapes to gospelinfused tent revivals family holidays to running away from home at 16. St. Jude is—in Alfaro’s words—“going from ‘what I am’ to ‘who I was.” It’s a remarkable journey rich with laughter, pathos and surprising revelations.

Tickets: Tickets are $15 for a lowpriced February 13 preview; $25 general admission for February 1416. Students are $15.

Show times: Thursday evening at 7 p.m.; Friday-Saturday evenings at 8 p.m.; and Saturday-Sunday matinees at 3 p.m.

More information: (714) 708-5555 or www.scr.org Feb. 27-March 2 ● Nicholas Studio Tennessee Williams UnScripted Presented by Impro Theatre Studio SCR Passionate, smoldering secrets lurk beneath the surface of genteel society—and explode in a climax of accusation, confession and consequence. Inspired by Tennessee Williams’ masterful storytelling and delicious language, Impro Theatre starts with a single audience suggestion and builds improvised, full-length plays that are hilarious, yet tragic as a Southern belle’s broken heart. Impro Theatre’s performances are unique; there are no repeated characters and no set story structure and each play is written in real time—while simultaneously being performed—by the actors.

Tickets: Tickets are $15 for a low-

priced February 13 preview; $25 general admission for February 1416. Students are $15.

Show times: Thursday evening at 7 p.m.; Friday-Saturday evenings at 8 p.m.; and Saturday-Sunday matinees at 3 p.m.

More information: (714) 708-5555 or www.scr.org EDUCATION PROGRAMS – THEATRE CONSERVATORY A D U LT A C T I N G A N D PLAYWRITING CLASSES Winter Session: Jan. 13-March 10, 2014 Spring Session: March 31-May 21, 2014.

(Check back for more information or call 714-708-5577) SCR offers nationally acclaimed adult acting, playwriting and screenwriting classes, taught by top professionals in their field. This extensive slate of courses is designed for both career-minded professionals and those interested in personal growth and development. Choose from this slate to create a program that suits your individual pace and interests.

• Discover acting talent • Polish communication skills • Develop spontaneity • Meet new people • Master writing techniques Classes are held in the theatre’s state-of-the-art Education Center, specially designed to meet the study and performance needs of students.

Training takes place in classrooms and on stages in the Folino Theatre Center near South Coast Plaza in Costa Mesa. At the heart of a dynamic theatre environment, SCR is in Orange County, just an hour from Los Angeles’ film and television industry.

TUITION: $305 per eight-week class.

Enroll for a second class in the same session and receive a $30 discount (call 714-708-5577 to get this discount).

ADDITIONAL TICKET INFORMATION Discounts for previews, patrons under the age of 25, full-time students, educators and seniors with valid ID, and groups of 10 or more (at most performances).

SCR also offers Today Tix, special ticket bargains on the day of performance only and subject to availability. Patrons under the age of 25 and full-time students get $10 Rush Tix the day of performance, subject to availability. Patrons age 15-to-25 may also sign up for a free MyStage membership to receive $10 tickets to any performance. Details here: http:// www.scr.org/tickets/mystage Ticket Services Office: By phone at (714) 708-5555, online at www.scr. org or in person at 655 Town Center Drive, Costa Mesa, CA 92626.

The Coto de Caza News

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

The Coto de Caza News

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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January 10, 2014

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January 10, 2014

Page 22

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

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The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

THE IRVINE MUSEUM PRESENTS CALIFORNIA SCENE PAINTINGS The Irvine Museum presents California Scene Paintings: 1920s-1970s, a special exhibition g ue s t c urated by G o rd o n T. McClelland.

Part of the larger Regionalist art movement of the 1930s-1970s era, California Scene Painting--a term first used by Los Angeles Times art critic Arthur Millier--describes representational art that captured scenes of everyday life in California.

Through the New Deal Relief programs, the Works Progress Administration (WPA) assisted struggling artists by providing them with wages to create artworks for government buildings and public places intended to uplift the nation’s spirits amidst the Great Depression.

California Scene Paintings: 1920s-1970s documents much of this period in California history through works that depict local city and rural scenes, particularly in and around Los Angeles and

San Francisco, which were rapidly expanding during that time.

Characterized by a sense of humanity, the works in the exhibition typically include people or representations of man made creations. The California Scene artists related what they saw around them: people going about their everyday lives, factories, a growing car culture, ranches, and agrarian communities.

Despite a shifting interest toward abstract and non-objective art during the 1950s, practitioners of California Scene Painting continued to create artworks documenting developments in California history, such as the building of freeways and the formation of California Beach Culture. Automobiles, trains, barns, roadways, fences, and coastline piers are among key elements that serve as markers to define works as California Scene Paintings.

“The architecture, industrial design, and clothing styles seen in

these works capture the essence of a time gone by,” said McClelland.

“When select works are exhibited together they provide unique insight into how creative people from that era perceived the world around them.

It is my hope that people find these works to be artistically inspiring and intellectually engaging.”

California Scene Paintings: 1920s-1970s at The Irvine Museum features 41 oil paintings, watercolors, drawings, and prints loaned from local private collections. Included in the exhibition are notable artists such as Millard Sheets, Phil Dike, Emil Kosa Jr., Milford Zornes, and Rex Brandt, who participated in this art movement and who received national acclaim for the art that they created.

Other artists included in this exhibition received little attention from the fine art community during the pre-1970s era, but are now being recognized for their important contributions to the California Scene Painting movement.

Ben Norris, John Bohnenberger, Art Riley, and Preston Blair are among them. A large format book, titled California Scene Paintings, accompanies the exhibition and visually documents artworks from this period and connects them to California’s history.

Location: 18881 Von Karman Avenue, Suite 100, Irvine, CA 92612 Hours: Tuesday-Saturday: 11:00 a.m.-5:00 p.m.

The museum is closed Monday, Sunday, between exhibitions, and for major holidays.

Admission: $5.00 general admission. FREE for children, students, and seniors (age 60 and older) FREE the second Wednesday of every month Parking: Structure parking is available for visitors. Parking is free with validation from The Irvine Museum.

Tours: The Irvine Museum offers a variety of tours of its exhibitions.

A regularly scheduled docent tour is offered every Thursday at 11:15 a.m. Visitors are welcome on this tour without a reservation. In addition, special docent-led tours are available to groups of ten or more on an a appointment basis. Please contact the Curator of Education at 949.476.0294 to schedule your group Images left to right: Phil Dike, California Holiday, 1933, The E. Gene Crain Collection; Millard Sheets, Horses for a tour of our current exhibition. and Hills, 1932, Collection of Ray Redfern; Edward Reep, Cafe, 1947, Collection of Van & Diane Simmons

Virtual schools ‘clicking’ for many students this school year A record number of students are heading back to school this year - without ever stepping foot inside a classroom. A growing number of virtual schools (also known as cyber schools or e-schools), combined with booming parent (and student) demand for high-quality virtual education, have more students than ever logging on, instead of boarding a school bus, this back-to-school season.

More than 2 million children in kindergarten through 12th grade are learning online, and their ranks are growing by almost 20 percent each year, according to research by Ambient Insight. Currently, 45 states have significant supplemental online learning programs, or full-time programs, in which students take most or all of their courses online.

“One reason families are turning to full-time virtual schools is that parents are seeking a more personalized education for their children, where students’ studies are tailored to their abilities and interests, and they can work at their own pace,” says Dr. Steven Guttentag, executive vice president and chief education officer for Connections Academy, a leading virtual school provider that offers both public and private virtual school pro-

grams. “Of course most importantly, they work. Students are achieving at high levels and matriculating into some of our nation’s best universities.”

Many parents are drawn to the quality curriculum a virtual school can offer their student - and programs they might not have access to at the local brick-and-mortar school. The current economic climate has forced many neighborhood schools to eliminate programs like foreign language instruction, Advanced Placement (AP) courses and more. At the same time some virtual schools are adding courses like Mandarin Chinese and AP Chemistry.

The virtual school boom is good news for parents looking for the best possible school for their children.

But since not all virtual schools are created equal, and offer different programs, curricula and resources, parents need to take care to pick a high-quality school that’s the best fit for their child and family. Education experts recommend that parents look for the following benchmarks of a high-quality virtual school: * Accreditation - The school should be accredited by reputable school accreditation organizations, such as AdvancED or the National Council of

Education Providers. * Certified and highly qualified teachers - Look for certified teachers who work together in a professional teaching environment and who are experts in virtual instruction.

Teachers should be in regular contact with students and parents, by phone and e-mail. * Rigorous curriculum - Curriculum should combine the best, late-edition textbooks from leading publishers with engaging online lessons and other high-quality resources. * Wide range of courses - Individualized grade placement for each child, plus college prep and career options, honors and AP courses, plus a wide range of electives, including foreign languages, music, art, journalism and more. * State-of-the-art technology resources - Must-haves include: an online system providing daily lesson planner, grade book, message boards and more, all in one system; training for students and parents; toll-free tech support hotline; quality computer hardware and accessories like microphone and headset; and a safe, secure e-mail system that provides communications controls and

eliminates spam. * Community activities - Field trips and other group outings offered throughout the year, plus a wide range of extracurricular clubs and activities. * School track record - Look for a school with a track record of delivering student academic achievement, high levels of parent and student satisfaction or affiliation with a credible, established virtual education provider, like Connections Academy.

In most states, parents can still enroll their children in both public and private full-time virtual school programs for the coming school year. Parents seeking more information about virtual public and private schools can call Connections Academy at (800) 382-6010. www.connectionsacademy.com

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January 10, 2014

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January 10, 2014

How to stick to your New Year’s resolutions all year long With the holidays past and a new year upon us, now is the time for Americans to focus on their 2014 resolutions. And while fitness goals often top the list of New Year’s resolutions, diet and exercise aren’t the only ways to get back into shape.

This year, do yourself and your loved ones a favor by getting financially fit as well.

Although most Americans intend to become financially savvy in the new year, only a small fraction fully commit to their financial success.

According to a 2012 study from University of Scranton, 34 percent of Americans established financial resolutions goals, but only 8 percent

were successful in achieving them.

Luckily, 2014 is a new year, which means new opportunity to focus on and work toward your financial aspirations.

To help stay financially fit in 2014 and beyond, here are a few tips: * Be specific with your resolutions: Once you know exactly what you’re saving for, arm yourself with the right savings tools to achieve your goals.

Capital One 360’s My Savings Goals enables you to name your goals and track them throughout the year, if you have a specific deadline or certain budget you want to meet. You’ll even get alerts as you reach milestones along the way.

* Save regularly by setting up automatic transfers: Start the new year off with an aim to save. One of the easiest ways to save is to have funds automatically moved to your account every month or with every paycheck. With an automatic savings plan, you can set it and forget it. * Maximize retirement savings: If you have a 401(k), max out your contributions (and your employer match, if you have one) to gain full benefits for the tax year. Also, while you’re permitted to make IRA contributions through the tax filing deadline, contributing now may provide additional tax-deferred growth potential. * Give your portfolio a tune-up: Take a look at the investments you have and make sure you’re maintaining a well-balanced, diversified portfolio that aligns with your risk tolerance and goals. If you’re just getting started, an online investing tool can help you assess your investing style and risk profile, and set up a personalized portfolio and investing plan that works for you. * Create an emergency fund: To minimize debt and financial penalties resulting from having to pay off unexpected expenses, create an

emergency fund. Allocate some of this year’s holiday budget, yearend bonus and/or tax return to an interest-earning, FDIC-insured savings account. You can also set up automatic contributions to build your savings. A good rule of thumb is to maintain six months’ worth of expenses in your savings, just in case. * Look for responsible ways to establish credit:-Remember that a credit card doesn’t equal free money.

Start with a low-limit credit card that offers points and/or rewards and pay your monthly balance in full and on time. Late fees add up quickly and hurt your credit score.- And, set up alerts to help you track your spending and to help you pay your bill on time.

The winter season can be a stressful time financially, but if you plan ahead and stick to your financial goals, there’s no reason you can’t enjoy financial success in the new year and for years to come.

To find additional financial tips as well as information on Capital O n e ’s f i n a n c i a l e d u c a t i o n a l programs, visit www.capitalone. com/financialeducation or @ TeachingMoney on Twitter.

Les Ballets de Monte-Carlo Returns to Segerstrom Center Segerstrom Center for the Arts welcomes the return of Les Ballets de Monte-Carlo March 7 – 9, 2014 under the Presidency of H.R.H. the Princess of Hanover. The company will perform the American premiere of LAC, a new and brilliantly re-imagined telling of the Swan Lake story by Jean-Christophe Maillot, the company’s choreographer and director.

Tickets for Les Ballets de Monte-Carlo start at $35 and will go on sale Sunday, January 12 at 10 a.m. PST. Tickets will be available online at SCFTA. org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236.

The TTY number is (714) 556-2746. Free Preview Talks will occur one hour prior to each performance.

Artists and program are subject to change.

Les Ballets de Monte-Carlo was reestablished in the Principality in 1985 through the commitment of H.R.H. the Princess of Hanover in accordance with the wishes of H.S.H Princess Grace of Monaco.

The company was initially managed by Ghislaine Thesmar and Pierre Lacotte, then by Jean-Yves Esqerre. In 1993, H.R.H. the Princess of Hanover appointed Jean-Christophe Maillot as the head of the company. Segerstrom Center for the Arts is unique as both an acclaimed arts institution and as a multi-disciplinary cultural campus. It is committed to supporting artistic excellence on all of its stages, offering unsurpassed experiences, and engaging the entire community in new and exciting ways through the unique power of live performance and a diverse array of inspiring programs.

Segerstrom Center for the Arts is also proud to serve as the artistic home to three of the region’s major performing arts organizations: Pacific Symphony, the Philharmonic Society of Orange County and the Pacific Chorale, who contribute

greatly to the artistic life of the region with annual seasons at Segerstrom Center for the Arts.

March 7 – 9, 2014 Friday at 7:30 p.m.

Saturday at 2 and 7:30 p.m.

Sunday at 2 p.m.

Program: LAC (American Premiere) Jean-Christophe Maillot, choreographer-director under the Presidency of H.R.H. the Princess of Hanover Music by Pyotr Ilyich Tchaikovsky with additional music by Bertrand Maillot. Costume design by Philippe Guillotel Free Preview Talks will occur one hour prior to each performance.

Segerstrom Center for the Arts – Segerstrom Hall

600 Town Center Drive, Costa Mesa, CA Tickets - Start at $35; tickets go on sale January 12 In person - The Box Office 600 Town Center Drive Costa Mesa, CA 92626 Open 10 a.m. – 6 p.m. daily Online - SCFTA.org Phone - (714) 556-2787 Open 10 a.m. – 6 p.m. daily TTY number - (714) 556-2746 Group Sales - (714) 755-0236 Information provided is accurate at the time of printing, but is subject to change. Segerstrom Center for the Arts is a private, non-profit organization.

“Segerstrom Center for the Arts” is a registered trademark.

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January 10, 2014

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January 10, 2014

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Financially fit: five steps to get a handle on your credit After countless hours spent holiday shopping, you finally finished. Now, you’re faced with the credit card payments as you roll into the new year. While it may have been difficult to keep your finances - particularly your credit cards - top of mind amid the dash from store to store, those payments aren’t going anywhere.

Managing your credit can seem like a daunting task - but it doesn’t have to be. Even if you’ve blown your budget and maxed out your cards, you can still take control of your credit and become financially fit in 2014.

Here are five things you should do right now to help get your credit back on track and sustain your financial reputation all year long: * Review your credit report. Start with taking a comprehensive look at what’s there, good and bad. Make sure you thoroughly review your report for any errors or mistakes, especially after the holidays. Tools like AnnualCreditReport.com let you check your report annually for free.

It’s also a good idea to check your credit score to see if it’s dropped and to give you a basis for comparison moving forward. Resources such as Credit.com allow you to easily pull your score. * Know what you owe. Tally up those balances and determine your

debt to credit ratio - that is, the amount of money you owe on your cards versus your available credit, which accounts for approximately 30 percent of your credit score. If you’re using more than half of your available credit, this will likely lower your credit score. This means that if you have three credit cards with a combined limit of $10,000, your total balance should be below $5,000. * Be sure to pay your bills on time and at more than the monthly minimum. Sure, it’s intuitive, but simply paying your bills on time accounts for about 35 percent of your credit score. Start with your holiday shopping bills and make sure that at least the minimum required balance is paid - even if you can’t pay them in full.- Also, pay more than the minimum payment every month to pay down your balance faster and decrease interest charges. * Pay off the card with the highest interest rate first. These are the cards that are costing you the most, so paying them off ahead of a card with a lower interest rate will save you more money in the long run. * Keep your cards open. Unless you have a compelling reason to close a card - for instance, if you’re paying a large fee on it - it’s best not to close credit cards, especially

Coto de Caza News Legal Notices NOTICE OF TRUSTEE’S SALE T.S. No.: 12-11575 Loan No.: 1001507186 A.P.N.: 839-201-30 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 3/25/2005. 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. 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. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor: EDWARD W KLINE AND DONNAMARIE C KLINE, HUSBAND AND WIFE AS JOINT TENANTS Duly Appointed Trustee: Carrington Foreclosure Services, LLC Recorded 4/4/2005 as Instrument No. 2005000251454 in book , page and rerecorded on --- as --- of Official Records in the office of the Recorder of Orange County, California, Described as follows: As more fully described on said Deed of Trust. Date of Sale: 2/4/2014 at 1:30 PM Place of Sale: At the North front entrance to the County Courthouse at 700 Civic Center Drive West, Santa Ana, CA. Amount of unpaid balance and other charges: $631,602.42 (Estimated) Street Address or other common designation of real property: 5 CERAMICA RANCHO SANTA MARGARI, CA 92688-000 A.P.N.: 839-201-30 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. 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. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse

against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holder’s rights against the real property only. THIS NOTICE IS SENT FOR THE PURPOSE OF COLLECTING A DEBT. THIS FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE HOLDER AND OWNER OF THE NOTE. ANY INFORMATION OBTAINED BY OR PROVIDED TO THIS FIRM OR THE CREDITOR WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. 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 916-939-0772 or visit this Internet Web site www.nationwideposting.com, using the file number assigned to this case 12-11575. 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: 12/30/2013 Carrington Foreclosure Services, LLC 1610 E. Saint Andrew Pl., Suite 150F Santa Ana, CA 92705 Automated Sale Information: (916) 939-0772 or www.nationwideposting.com for NONSALE information: 888-313-1969 Shirley Best, Trustee Sale Specialist NPP0225255 To: COTO DE CAZA NEWS PUB: 01/10/2014, 01/17/2014, 01/24/2014

LOW COST CLASSIFIEDS ONLY $1.00 PER WORD! Page 28

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ones where you have a long positive payment history. When closing a card, not only can your debt to credit ratio increase, you also end up losing the history associated with the card and change the mix of your credit, which could negatively impact your score.

And, in the future, do your research before signing on that dotted line. It may have been tempting to open up a retail store credit card to save 15 percent on a recent purchase, but those savings are now ultimately going to end up on your billing statement as interest. Instead, look

for a card that works with your lifestyle. Review your options and find a card with a great rewards program and the lowest interest rate possible.

To learn more about budgeting, credit and personal finance, check out a recent Google Hangout, Better Money Habits: Understanding Credit.

You can also visit BetterMoneyHabits. com, a free platform from Bank of America in partnership with the Khan Academy offering dozens of personal finance videos on everything from using credit to saving and budgeting that you can watch any time.

Coto de Caza News Legal Notices APN: 649-022-34 TS No: CA05000346-12-1 TO No: 1109425 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED December 9, 2005. 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 February 4, 2014 at 09:00 AM, on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA 92866, 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 December 14, 2005 as Instrument No. 2005000999402 of official records in the Office of the Recorder of Orange County, California, executed by MARY L BROGDON, SUCCESSOR TRUSTEE OF THE BROGDON-VINDING TRUST, ESTABLISHED JULY 11, 1996, as Trustor(s), in favor of WASHINGTON MUTUAL BANK, FA as Beneficiary, 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: 30794 CALLE CHUECA, SAN JUAN CAPISTRANO FKA SAN juan CAPISTRACA, CA 926750000 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 $373,480.42 (Estimated). 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 listed below for information regarding the sale of this property, using the file number assigned to this case, CA05000346-12-1. 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: December 27, 2013 TRUSTEE CORPS TS No. CA05000346-12-1 17100 Gillette Ave Irvine, CA 92614 949-252-8300 Lupe Tabita, 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. P1076661 1/10, 1/17, 01/24/2014

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Coto de Caza News Legal Notices Trustee Sale No. 09-509647 CEN Title Order No. 120034675-CA-BFI APN 650-641-23 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 08/20/07. 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 01/23/14 at 9:00 AM, Aztec Foreclosure Corporation as the duly appointed Trustee under and pursuant to the power of sale contained in that certain Deed of Trust executed by Michael Gottlieb, a Married Man, as his sole and separate property, as Trustor(s), in favor of Mortgage Electronic Registration Systems, Inc. as Nominee for Lydian Mortgage, a Division of Lydian Private Bank, a Federal Savings Bank, as Beneficiary, Recorded on 08/21/07 in Instrument No. 2007000520406 of official records in the Office of the county recorder of ORANGE County, California; Sabadell United Bank, N.A., as the current Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at the time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state of 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 Financial Code and authorized to do business in this state), On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA, all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County, California described as: 30862 VIA ULTIMO, SAN JUAN CAPISTRANO, CA 92675 The property heretofore described is being sold “as is”. 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, 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 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, to-wit: $1,113,350.38 (Estimated) Accrued interest and additional advances, if any, will increase this figure prior to sale. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. DATE: 12/24/13 Robbie Weaver Assistant Secretary & Assistant Vice President Aztec Foreclosure Corporation 6 Venture, Suite 305 Irvine, CA 92618 Phone: (877) 257-0717 or (602) 638-5700 Fax: (602) 638-5748 www.aztectrustee.com 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 or visit the Internet Web site, using the file number assigned to this case 09-509647. 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.

Call 714-573-1965 http://www.Priorityposting.com Or Aztec Foreclosure Corporation (877) 257-0717 www.aztectrustee. com P1076327 1/3, 1/10, 01/17/2014

T.S. No.: 12-CA0224 Order No.: 37471 NOTICE OF TRUSTEE’S SALE NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED 注：本文 件包含一个信息摘要 참고사항: 본 첨부 문서에 정보 요약서 가 있습니다 NOTA: SE ADJUNTA UN RESUMEN DE LA INFORMACIÓN DE ESTE DOCUMENTO TALA: MAYROONG BUOD NG IMPORMASYON SA DOKUMENTONG ITO NA NAKALAKIP LƯU Ý: KÈM THEO ĐÂY LÀ BẢN TRÌNH BÀY TÓM LƯỢC VỀ THÔNG TIN TRONG TÀI LIỆU NÀY YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED August 9, 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. 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: ESTEBAN OCAMPO AND DOLORES OCAMPO, HUSBAND AND WIFE AS JOINT TENANTS Duly Appointed Trustee: MILES, BAUER, BERGSTROM & WINTERS, LLP Recorded 8/14/2006 as Instrument No. 2006000541756 in book , page of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 1/28/2014 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA Amount of unpaid balance and other charges: $544,871.40 Street Address or other common designation of real property: 31102 Calle Santa Rosalia San Juan Capistrano, CA 92675 A.P.N.: 649-263-09 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. 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 (714) 573-1965 or visit this Internet Web site http://www.priorityposting.com/Priority/, using the file number assigned to this case 12-CA0224. 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: 12/23/2013 MILES, BAUER, BERGSTROM & WINTERS, LLP 1231 E. Dyer Rd., Suite 100 Santa Ana, California 92705 Sale Line: (714) 573-1965 Pamela Germany, as Authorized Signor P1076267 1/3, 1/10, 01/17/2014

T.S. No. 20130185 LOAN NO.: 1531070/GODFREY NOTICE OF TRUSTEE’S SALE UNDER DEED OF TRUST YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED August 9, 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. Notice is hereby given that UNIONBANCAL MORTGAGE CORPORATION, as trustee, or successor trustee, or substituted trustee pursuant to the Deed of Trust executed by PHILIP A GODFREY AND KAREN K. GODFREY, AS CO-TRUSTEES OF THE GODFREY TRUST ESTABLISHED MAY 9, 2006, BY PHILIP A GODFREY AND KAREN K GODFREY, TRUSTORS Recorded 8/21/2007 in Book N/A Page N/A Inst. # 2007000520402 , The subject Deed of Trust was modified by Loan Modification dated August 01, 2011. of Official Records in the office of the County Recorder of Orange county, California, and pursuant to the Notice of Default and Election to Sell there under recorded 7/11/2013 in Book N/A Page N/A Inst. # 2013000418384 of said Officials Records, will SELL on 2/4/2014 at 9:00 AM : On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA. at public auction to the highest bidder for cash (payable at time of sale in lawful money of the United States) (NOTE: CASHIER’S CHECK(S) MUST BE MADE PAYABLE TO UNIONBANCAL MORTGAGE CORPORATION) all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described 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: 25362 GALLUP CIRCLE LAGUNA HILLS, CALIFORNIA 92653 APN# 627-402-12 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $1,972,561.02. The Beneficiary may elect to bid less than the full credit bid. 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 Financial Code and authorized to do business in this state. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed until funds become available to the payee or endorsee as a matter of right. Said sale will be made, but without covenant

or warranty, expressed or implied, regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed, advances thereunder, with interest as provided therein, and the unpaid principal of the note secured by said deed with interest thereon as provided in said Note, fees, charges and expenses of the trustee and of the trusts created by said Deed of Trust. 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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.priorityposting.com regarding the sale of this property, using the file number assigned to this case T.S. No. 20130185. 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. The mortgage loan servicer, beneficiary, or authorized agent has not obtained from the commissioner a final or temporary order of exemption pursuant to Section 2923.53. The timeframe for giving notice of sale specified in subdivision (a) of Section 2923.52 has been met. UnionBanCal Mortgage 9885 Towne Centre Drive MC 2-69D-220 San Diego, California 92121 858-496-5484 UNIONBANCAL MORTGAGE CORPORATION By: TONI SCANDLYN, VICE PRESIDENT P1077354 1/10, 1/17, 01/24/2014

January 10, 2014

Coto de Caza News Legal Notices APN: 778-161-20 TS No: CA08001233-13-1 TO No: 1512026 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/27/2004. 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 February 4, 2014 at 09:00 AM, on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange CA 92866, 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 July 30, 2004 as Instrument No. 2004000692120 of official records in the Office of the Recorder of Orange County, California, executed

by REINALDO BINNS AND ZELMA S. BINNS, HUSBAND AND WIFE, AS JOINT TENANTS, as Trustor(s), in favor of BENEFICIAL CALIFORNIA INC. as Beneficiary, 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: 8 COFFEEBERRY CRT, COTO DE CAZA, CA 92679 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 $914,870.07 (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 listed below for information regarding the sale of this property, using the file number assigned to this case, CA08001233-13-1. 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: December 26, 2013 TRUSTEE CORPS TS No. CA08001233-13-1 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 Joseph Barragan, 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. P1076496 1/10, 1/17, 01/24/2014

Title Order No .92102-847550-09 Trustee Sale No. 20084169 Reference No. SA-MLA 0038-04 APN No. 833-163-39 NOTICE OF TRUSTEE’S SALE UNDER A NOTICE OF A NOTICE OF DELINQUENT ASSESSMENT AND CLAIM OF LIEN YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT DATED 12/18/2007. 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. Notice is hereby given that on 1/28/2014 at 9:00 AM, S.B.S. LIEN SERVICES As the duly appointed Trustee under and pursuant to Notice of Delinquent Assessment, recorded on 1/14/2008 as Document No. 2008000018854 Book Page of Official Records in the Office of the Recorder of Orange County, California , The original owner: MARIELOS Y HINNAOUI The purported new owner: MARIELOS Y HINNAOUI, JAVIER HINNAOUI, ERIKA D. HINNAOUI, JORGE V. HINNAOUI WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH, (payable at the time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a State or National bank, a check drawn by a state of 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 Financial Code and authorized to do business in this state.): on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman Orange, CA 92866 All right, title and interest under Notice of Delinquent Assessment in the property situated in said County, as more fully described on the above referenced assessment lien.

The street address and other common designation, if any, of the real property described above is purported to be: 28 VIA JOAQUIN RANCHO SANTA MARGARITA, CA 92688 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, but without covenant or warranty, expressed or implied regarding title, possession or encumbrances, to pay the remaining principal sum due under said Notice of Delinquent Assessment, with interest thereon, as provided in said notice, advances, if any, estimated fees, charges, and expenses of the Trustee, to-wit: $4,079.42 accrued interest and additional advances, if any, will increase this figure prior to sale. The claimant, RANCHO SANTA MARGARITA LANDSCAPE AND RECREATION CORPORATION AKA SAMLARC under said Notice of Delinquent Assessment heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell.

The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks invovled 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 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 FOR SALES INFORMATION, PLEASE CALL (714) 573-1965 or LOG ONTO or visit this Internet Web site WWW.priorityposting.com, using the file number assigned to this case 2008-4169. 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. THE PROPERTY IS BEING SOLD SUBJECT TO THE NINETY DAY RIGHT OF REDEMPTION CONTAINED IN CIVIL CODE SECTION 1367.4(c) (4).

PLEASE NOTE THAT WE ARE A DEBT COLLECTOR AND ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. FOR SALES INFORMATION, PLEASE CALL (714) 573-1965 or LOG ONTO WWW.priorityposting.com. Date: 12/19/2013 S.B.S. Lien Services 31194 La Baya Drive, Suite 106 Westlake Village, California 91362 Annissa Young, Trustee Sale Officer WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. P1076021 1/3, 1/10, 01/17/2014

T.S. No. 13-0596-11 Loan No. 0015861479 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED 注：本文件包含一个信息摘要 참고사항: 본 첨 부 문서에 정보 요약서가 있습니다 NOTA: SE ADJUNTA UN RESUMEN DE LA INFORMACIÓN DE ESTE DOCUMENTO TALA: MAYROONG BUOD NG IMPORMASYON SA DOKUMENTONG ITO NA NAKALAKIP LƯU Ý: KÈM THEO ĐÂY LÀ BẢN TRÌNH BÀY TÓM LƯỢC VỀ THÔNG TIN TRONG TÀI LIỆU NÀY PLEASE NOTE THAT PURSUANT TO CIVIL CODE § 2923.3(d)(1) THE ABOVE STATEMENT IS REQUIRED TO APPEAR ON THIS DOCUMENT BUT PURSUANT TO CIVIL CODE § 2923.3(a) THE SUMMARY OF INFORMATION IS NOT REQUIRED TO BE RECORDED OR PUBLISHED AND THE SUMMARY OF INFORMATION NEED ONLY BE MAILED TO THE MORTGAGOR OR TRUSTOR NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 4/24/2007. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. 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: NATHAN A. HUNZIKER, AND KRISTIN M. HUNZIKER, HUSBAND AND WIFE AS COMMUNITY PROPERTY WITH RIGHTS OF SURVIVORSHIP Duly Appointed Trustee: THE WOLF FIRM, A LAW CORPORATION Recorded 4/30/2007 as Instrument No. 2007000279603 of Official Records in the office of the Recorder of Orange County, California, Date of Sale: 1/27/2014 at 9:00 AM Place of Sale: In the Grand Ballroom, Doubletree by Hilton Hotel Anaheim – Orange County, 100 The City Drive, Orange, CA 92868 Amount of

unpaid balance and other charges: $641,085.56, estimated Street Address or other common designation of real property: 24635 SANTA CLARA AVE #1 DANA POINT, CALIFORNIA 92629 A.P.N.: 936-11-001 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. 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 (800) 280-2832 or visit this Internet Web site www.auction.com, using the file number assigned to this case 13-0596-11. 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: 12/20/2013 THE WOLF FIRM, A LAW CORPORATION 2955 Main Street, 2nd Floor Irvine, California 92614 Foreclosure Department (949) 720-9200 Sale Information Only: (800) 280-2832 Auction.com Frank Escalera, Team Lead NPP0225062 To: COTO DE CAZA NEWS 01/03/2014, 01/10/2014, 01/17/2014

The Coto de Caza News

Page 29

January 10, 2014

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Coto de Caza News Legal Notices NOTICE OF TRUSTEE’S SALE TS No. CA-13-562679-JP Order No.: 130113813-CA-MAI YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 1/4/2007. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by 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 to the Financial Code and authorized to do business in this state, will be held by duly appointed trustee. 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. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): LORRAINE A SKELTON, A SINGLE WOMAN Recorded: 1/16/2007 as Instrument No. 2007000027138 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 1/24/2014 at 12:00:00 PM Place of Sale: At the North front entrance to the County Courthouse, 700 Civic Center Drive West, Santa Ana, CA 92701 Amount of unpaid balance and other charges: $562,826.11 The purported property address is: 28298 BOND WAY, SILVERADO, CA 92676 Assessor’s Parcel No.: 876-051-38 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 714-730-2727 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-13-562679JP . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. 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. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 714-730-2727 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-13-562679-JP IDSPub #0060365 1/3/2014 1/10/2014 1/17/2014

Title Order No . 12-05464-DF Trustee Sale No. 2011-3145 Reference No. SA-MLA 7019-05 APN No. 836-574-05 NOTICE OF TRUSTEE’S SALE UNDER A NOTICE OF A NOTICE OF DELINQUENT ASSESSMENT AND CLAIM OF LIEN YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT DATED 6/20/2011. 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. Notice is hereby given that on 1/24/2014 at 09:00 AM S.B.S. LIEN SERVICES As the duly appointed Trustee under and pursuant to Notice of Delinquent Assessment, recorded on July 26, 2011 as Document No. 2011000361404 Book Page of Official Records in the office of the Recorder of Orange County, California, The original owner: NEVINE CARMELLE The purported new owner: ESTAVAN CAPITAL LLC, A WYOMING LIMITED LIABILITY COMPANY WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH, (payable at the time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a State or national bank, a check drawn by a state of 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 Financial Code and authorized to do business in this state.): on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman Orange, CA 92866. All right, title and interest under Notice of Delinquent Assessment in the property situated in said County, as more fully described on the above referenced assessment lien. The street address and other common designation, if any, of the real property described above is purported to be: 52 VIA BRIDA , RANCHO SANTA MARGARITA CA 92688 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, but without covenant or warranty, expressed or implied regarding title, possession or encumbrances, to pay the remaining principal sum due under said Notice of Delinquent Assessment, with interest thereon, as provided in said notice, advances, if any, estimated fees, charges, and expenses of the Trustee, to-wit: $5,666.18 accrued interest and additional advances, if any, will increase this figure prior to sale. The claimant, RANCHO SANTA MARGARITA LANDSCAPE AND RECREATION CORPORATION AKA SUMLARC under said Notice of Delinquent Assessment heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks invovled 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 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 FOR SALES INFORMATION, PLEASE CALL (714) 573-1965 or LOG ONTO or visit this Internet Web site www. priorityposting.com using the file number assigned to this case 2011-3145. 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. THE PROPERTY IS BEING SOLD SUBJECT TO THE NINETY DAY RIGHT OF REDEMPTION CONTAINED IN CIVIL CODE SECTION 1367.4(C) (4). PLEASE NOTE THAT WE ARE A DEBT COLLECTOR AND ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. FOR SALES INFORMATION, PLEASE CALL (714) 573-1965 or LOG ONTO www. priorityposting.com. Date: 12/19/2013 S.B.S. Lien Services, 31194 La Baya Drive, Suite 106 Westlake Village, CA 91362 Annissa Young, Trustee Sale Officer WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. P1076022 1/3, 1/10, 01/17/2014

T.S. No.: 13-50880 TSG Order No.: 02-13023780 A.P.N.: 93995-312 ATTENTION RECORDER: THE FOLLOWING REFERENCE TO AN ATTACHED SUMMARY IS APPLICABLE TO THE NOTICE PROVIDED TO THE TRUSTOR ONLY PURSUANT TO CA CIVIL CODE 2923.3 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED 注：本文件包含一个信息摘要 참고사항: 본 첨 부 문서에 정보 요약서가 있습니다 NOTA: SE ADJUNTA UN RESUMEN DE LA INFORMACIÓN DE ESTE DOCUMENTO TALA: MAYROONG BUOD NG IMPORMASYON SA DOKUMENTONG ITO NA NAKALAKIP LƯU Ý: KÈM THEO ĐÂY LÀ BẢN TRÌNH BÀY TÓM LƯỢC VỀ THÔNG TIN TRONG TÀI LIỆU NÀY NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 3/2/2004. 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. On 1/23/2014 at 9:00 AM, Old Republic Default Management Services, a Division of Old Republic National Title Insurance Company as duly appointed Trustee pursuant to the Deed of Trust, Recorded 3/11/2004 as Instrument No. 2004000198378 in book --, page -- of Official Records in the office of the Recorder of Orange County, California, executed by: FRANK DI ROMA AND SONIA DI ROMA, HUSBAND AND WIFE AS JOINT TENANTS, as Trustor, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR COUNTRYWIDE HOME LOANS, INC., A CORPORATION as Beneficiary. WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by 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 Financial Code and authorized to do business in this state). on the front steps to the entrance of the Orange Civic Center, 300 E. Chapman Orange, CA. all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust.

The street address and other common designation, if any, of the real property described above is purported to be: 25526 AZALEA #73, LAKE FOREST, CA 92630 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 in an “AS IS” condition, 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 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, to-wit: $206,290.96 (Estimated).

Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due.

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 (714) 573-1965 or visit this Internet Web site www.priorityposting.com, using the file number assigned to this case 13-50880. 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. The Declaration pursuant to California Civil Code, Section 2923.5(a) was fulfilled when the Notice of Default was recorded on 7/25/2013 Date: 12/20/2013 Old Republic Default Management Services, A Division of Old Republic National Title Insurance Company, as Trustee 500 City Parkway West, Suite 200, Orange, CA 92868-2913 (866) 263-5802 For Sale Information Contact: Priority Posting & Publishing (714) 573-1965 Heather Marsh, Assistant Secretary “We are attempting to collect a debt, and any information we obtain will be used for that purpose.”P1076041 1/3, 1/10, 01/17/2014

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The Coto de Caza News

The Coto de Caza News

Coto de Caza News Legal Notices ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2013-00692743 Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of ADELYNN RENEE GARCIA, a minor. Petitioner(s) BRIANNA C. FLETCHER on behalf of the minor, ADELYNN RENEE GARCIA, a minor has/have filed a petition with this court for a decree changing name(s) as follows: ADELYNN RENEE GARCIA, to ADELYNN RENEE FLETCHER. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 700 Civic Center Drive, Santa Ana, CA 92702-2014 on FEBRUARY 11, 2014 at 8:30 o’clock am Dept. D100, Window #44. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto De Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: DECEMBER 13, 2013 CHARLES MARGINES - Judge of the Superior Court Coto de Caza News– 01/10/2014, 01/17/2014, 01/24/2014, 01/31/2014 ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2013-00695561 Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of; ANDRIA PETAR BILAVER. Petitioner(s) ANDRIA PETAR BILAVER has/have filed a petition with this court for a decree changing name(s) as follows: ANDRIA PETAR BILAVER to ANDRE ANTE BILAVER. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 700 Civic Center Drive West, Santa Ana, CA 92702-2014, on FEBRUARY 18, 2014 at 8:30 o’clock am Dept. D100-Window 44. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News.

The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: DECEMBER 30, 2013 CHARLES MARGINES - Judge of the Superior Court Coto de Caza News– 01/10/2014, 01/17/2014, 01/24/2014, 01/31/2014

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 00681852 Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of; OLGA ALEXANDROVNA ARTAMONOVA. Petitioner(s) OLGA ALEXANDROVNA ARTAMONOVA has/have filed a petition with this court for a decree changing name(s) as follows: OLGA ALEXANDROVNA ARTAMONOVA to HAPPY GOVIE LOURIE. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 700 Civic Center Drive West, Santa Ana, CA 92702-2014, on FEBRUARY 18, 2014 at 8:30 o’clock am Dept. D100-Window 44. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News.

The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: DECEMBER 27, 2013 CHARLES MARGINES - Judge of the Superior Court Coto de Caza News– 01/10/2014, 01/17/2014, 01/24/2014, 01/31/2014

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2013-00694429 Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of; FERDINAND HELLSTERN. Petitioner(s) FERDINAND HELLSTERN has/have filed a petition with this court for a decree changing name(s) as follows: FERDINAND HELLSTERN to FRITZ HELLSTERN . The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 700 Civic Center Drive West, Santa Ana, CA 92702-2014, on FEBRUARY 04, 2014 at 8:30 o’clock am Dept. D100-Window 44. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News.

The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: DECEMBER 23, 2013 CHARLES MARGINES - Judge of the Superior Court Coto de Caza News– 01/03/2014, 01/10/2014, 01/17/2014, 01/24/2014

Trustee Sale No. : 20110134000232 Title Order No.: 110050031 FHA/VA/PMI No.: NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 04/07/2006. 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. NDEx West, L.L.C., as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 04/24/2006 as Instrument No. 2006000271347 of official records in the office of the County Recorder of ORANGE County, State of CALIFORNIA. EXECUTED BY: SHERMAN G. DAVIS AND NICOLE D. DAVIS, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by California Civil Code 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 01/16/2014 TIME OF SALE: 1:30 PM PLACE OF SALE: AT THE NORTH FRONT ENTRANCE TO THE COUNTY COURTHOUSE AT 700 CIVIC CENTER DRIVE WEST, SANTA ANA, CA. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be: 27952 MILT CIRCLE, LAGUNA NIGUEL, CALIFORNIA 92677 APN#: 636-512-41 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, 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 said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, 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 obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $893,503.47. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. 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 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site www.nationwideposting.com for information regarding the sale of this property, using the file number assigned to this case 20110134000232. 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. FOR TRUSTEE SALE INFORMATION PLEASE CALL: NATIONWIDE POSTING & PUBLICATION 2 A DIVISION OF FIRST AMERICAN TITLE INSURANCE COMPANY 5005 WINDPLAY DRIVE, SUITE 1 EL DORADO HILLS, CA 95762-9334 916-939-0772 www. nationwideposting.com NDEx West, L.L.C. MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NDEx West, L.L.C. as Trustee Dated: 12/18/2013 NPP0224822 To: COTO DE CAZA NEWS 12/27/2013, 01/03/2014, 01/10/2014

ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case No: 30-2013-00693041 Superior Court of California, County of Orange. In the matter of the petition to change the name(s) of; BRANDON JAMES STILWELL. Petitioner(s) BRANDON JAMES STILWELL has/have filed a petition with this court for a decree changing name(s) as follows: BRANDON JAMES STILWELL to BRANDON JAMES MCCLENDON. The court orders that all persons interested in this matter appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing, Orange County Superior Court of California, County of Orange, 700 Civic Center Drive West, Santa Ana, CA 92702-2014, on FEBRUARY 06, 2014 at 8:30 o’clock am Dept. D100-Window 44. A copy of this order to show cause shall be published at least once a each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county The Coto de Caza News. The court orders that all persons interested in this matter are directed to make known any objection that they may have to the granting of the petition for change of name by filing a written objection, which includes the reasons for the objection, with the court at least two court days before the matter is scheduled to be heard and by appearing in court at the hearing to show cause why the petition for change of name should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

Dated: DECEMBER 16, 2013 CHARLES MARGINES - Judge of the Superior Court Coto de Caza News– 12/20/2013, 12/27/2013, 01/03/2014, 01/10/2014

The Coto de Caza News

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

Estate art sale COLLECTION of Original Paintings amd signed Lithographs by artists Chagall, Dali, Alvar, Rothe, Sassone, Borg, Paul Blaine Henri, Chemiakin and Skelton. Market Value $90,000, will sell entire collection for $60,000. Pictures on request. Call 949-855-0233.

Open house OPEN SUNDAY 1-4 SINGLE Story House on Golf Course. 24 Golf View. Joan Bannigan 949-290-5051 SAT & SUN 11-2 $799, 999. 4 BR/ 3.5 baths.

View, Remodeled. 15 Dartmouth Lane, Coto de Caza. 949-292-3800. BevDauman@gmail.com Owner/Broker. BRE 01215397 mUSIC PIANO INSTRUCTION in your home. Learn Music you Love! BA in Music and Child Development. Call 949-559-7105 www. thekeyboardlady.com MUSIC LESSONS OC Music Center located in RSM at Empressa & Aventura www. ocmusiccenter.com. Call 949-858-0900

Tutor

EXPERIENCED READING TeacherTutoring Readers of All Ages.! Will Act as Student Avocate. References available. Call for more information. 949-954-4022 EXPERIENCED Math Tutor in RSM! Retired Math Teacher Tutoring Elementary through College Algebra. Call 949-521-2526

employment Display Advertising Sales Representatives.

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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 714-573-1965 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-13-544186JB . 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. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. 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. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 2141 5th Avenue San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 714-573-1965 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-13-544186-JB IDSPub #0060277 1/3/2014 1/10/2014 1/17/2014

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Coto de Caza News Legal Notices

NOTICE OF TRUSTEE’S SALE TS No. CA-13-544186-JB Order No.: 130040177-CA-GTI YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 6/15/2007. 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 PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by 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 to the Financial Code and authorized to do business in this state, will be held by duly appointed trustee. 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. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): JESS JENKINS AND MABEL JENKINS, HUSBAND AND WIFE Recorded: 6/25/2007 as Instrument No. 2007000401432 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 1/24/2014 at 9:00 AM Place of Sale: On the front steps to the entrance of the Orange Civic Center, 300 E. Chapman, Orange, CA 92866 Amount of unpaid balance and other charges: $469,567.67 The purported property address is: 16 ENFILADE AVENUE - FOOTHILL RANCH AREA, LAKE FOREST, CA 92610 Assessor’s Parcel No.: 601-233-65 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

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Please select newspapers below.

Add 1 or more extra newspapers at half price for each. Please run my ad

Coto de Caza News Mission Viejo News Ladera Ranch News San Clemente News Newport News

times.

TOTAL $ Please Bill My Credit Card:

MC AMEX

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23472 Vista del Verde, Suite 6, Coto de Caza, CA 92679

The Coto de Caza News

Page 31

The Only Weekly Newspaper Exclusively for the Rancho Santa Margarita and Coto de Caza Area

January 10, 2014

The Coto de Caza News

BULLOCK RUSSELL JOHN RUSSELL

FLO BULLOCK

the most trusted team in real estate

120

#3

$ 105M

CLOSED SALES IN 2013

TEAM IN KELLER WILLIAMS WORLDWIDE* IN 2013

31851 Via Alondra

Coto de Caza, CA

LD SO $1,160,000

$1,005,000

4 Greenspring Dove Canyon, CA

$818,000

21 Lawnridge Dove Canyon, CA

22952 Council Bluffs Lake Forest, CA

$555,000

SO

SO

SO

LD

3 Sharon Lane Coto de Caza, CA

$2,600,000

LD

$1,000,000

LD

8 Piedmont Dove Canyon, CA

19 Old Course Newport Beach, CA

SO

SO

SO

LD

$1,234,375

LD

18 Mountain Laurel Dove Canyon, CA

LD

SO

SO

LD

LD

CLOSED SALES VOLUME IN 2013

$806,000

107 California Court Mission Viejo, CA

$337,500

LOW INVENTORY, WE HAVE BUYERS, CALL US TODAY! All information deemed reliable but not guaranteed. If your property is currently listed, this is not intended as a solicitation.

( 949) 614-0071 Page 32

The Coto de Caza News

www.BullockRussell.com

AGENT ALLIANCE OC BRE: 01343119/01512593 *Agent Alliance Team