Page 18 THE EVERETT ADVOCATE – FRiDAy, SEpTEmbER 13, 2024 Send your Legal Notices to: info@advocatenews.net ~ LEGAL NOTICE ~ NOTICE OF MORTGAGEE’S SALE OF REAL ESTATE By virtue and in execution of the Power of Sale contained in a certain mortgage given by Carlos Ferreira, to Mortgage Electronic Registration Systems, Inc., as nominee for GreenPoint Mortgage Funding, Inc., dated May 7, 2004, and recorded with the Middlesex County (Southern District) Registry of Deeds in Book 42739 at Page 144, of which mortgage the undersigned is the present holder by assignment from Mortgage Electronic Registration Systems, Inc. to BAC Home Loans Servicing, LP, dated May 6, 2009, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 52731, Page 498; by assignment from Mortgage Electronic Registration Systems, Inc. to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, fka Countrywide Home Loans Servicing LP, dated May 29, 2012, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 59210, Page 194; by assignment from Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, fka Countrywide Home Loans Servicing LP to Ocwen Loan Servicing, LLC, dated April 16, 2014, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 63543, Page 203; by assignment from Ocwen Loan Servicing, LLC, to Federal National Mortgage Association, dated August 10, 2015, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 65903, Page 277; by assignment from Federal National Mortgage Association to U.S. Bank Trust, N.A., as Trustee for LSF11 Master Participation Trust, dated March 4, 2019, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 72294, Page 184; and by an assignment from U.S. Bank Trust National Association, not in its individual capacity but solely as Trustee for LSF11 Master Participation Trust to U.S. Bank Trust National Association, as Trustee of FW-BKPL Series I Trust, dated February 2, 2021, recorded at the Middlesex County (Southern District) Registry of Deeds in Book 77003, Page 204, for breach of the conditions of said mortgage and for the purpose of foreclosing the same will be sold at Public Auction at 2:00 P.M. on the 16th day of October 2024, at 15 Staples Avenue, Unit 3-48, Everett, MA 02149, all and singular the premises described in said mortgage, To wit: Condominium Unit 3-48 of that certain condominium known as Central Court Condominium situated at 15 Staples Avenue, Everett, Middlesex County, Massachusetts created by Master Deed dated July 6, 1987, recorded with Middlesex South District Deeds on July 9, 1987, Book 18305, Page 049, as amended by First Amendment creating Phase II, dated July 7, 1987, recorded with said Deeds, Book 18305, Page 111, as amended by Second Amendment creating Phase IV, dated July 28, 1987, recorded with said Deeds, Book 18415, Page 558, as amended by Third Amendment, dated July 28, 1987, recorded with said Deeds, Book 18415, Page 572, as amended by Fourth Amendment creating Phase III, dated July 28, 1987, recorded with said Deeds, Book 18415, Page 577, as amended by Fifth Amendment dated September 16, 1987, recorded with said Deeds, Book 18556, Page 585, together with the percentage interest in the common areas and facilitites of said condominium appenaining to said Unit as provided for in said Master Deed as amended. Said premises are subject to the following encumberances: 1. The provisions of Massachusetts, General Laws, Chapter 183A; easements, restrictions, covenants, reservations, terms and conditions contained or referred to in said Master Deed, as amended as aforesaid and the By-laws of Central Court Condominium Association, Inc., dated July 6, 1987, recorded with said Deeds, Book 18305, Page 072, as amended by Instrument, dated July 14, 1987, recorded with said Deeds; Book 18381, Page 246. 2. Right of way set forth in a deed from DiBiase Brothers, Inc. to Ugo DiBirase, dated June 27, 1968, recorded with said Deeds, Book 11529, Page 498. 3. Agreement, dated November 7, 1974 recorded with said Deeds, Book 12724, Page 419. 4. Easements set forth in a Deed from Atwood O. Wagner to J.G. Blunt Co., dated March 31, 1916, recorded with said Deeds, Book 4040, Page 487. 5. Easements set forth in a Deed from Atwood O. Wagner to J.G. Blunt Company, dated March 30, 1929, recorded with said Deeds, Book 4336, Page 398. A deed from Jose A. Maldonado to be recorded herewith. Premises to be sold and conveyed subject to and with the benefit of all rights, rights of way, restrictions, easements, covenants, liens or claims in the nature of liens, improvements, public assessments, any and all unpaid taxes, tax titles, tax liens, water and sewer liens and any other municipal assessments or liens or existing encumbrances of record which are in force and are applicable, having priority over said mortgage, whether or not reference to such restrictions, easements, improvements, liens or encumbrances is made in the deed. Terms of sale: A deposit of five thousand dollars ($5,000) by certified or bank check will be required to be paid by the purchaser at the time and place of sale. The balance is to be paid by wire transfer to Demerle & Associates P.C., 10 City Square, 4th Floor, Boston, MA 02129 within thirty (30) days from the date of sale. Deed will be provided to purchaser for recording upon receipt in full of the purchase price. In the event of an error in this publication, the description of the premises contained in said mortgage shall control. Other terms, if any, to be announced at the sale. U.S. Bank Trust National Association, as Trustee of FW-BKPL Series I Trust, Present holder of said mortgage, By its Attorneys, Demerle & Associates P.C. 10 City Square, 4th Floor Boston, MA 02129 September 13, 20, 27, 2024 Health Insurance Options for Early Retirees Dear Savvy Senior, I’m going to retire in a few months and need to get some temporary health insurance until I can enroll in Medicare at age 65. What are my options? Early Retiree Dear Early, There are several places early retirees can fi nd health insurance coverage before Medicare kicks in, but the best option for you will depend on your income level, your health care needs and how long you’ll need coverage for. Here’s where to look. Affordable Care Act: For most early retirees who aren’t yet eligible for Medicare, the Aff ordable Care Act (ACA) health insurance marketplace, also know as Obamacare, is the best option for getting comprehensive health coverage. And you won’t be denied coverage or charged extra for preexisting health conditions. And, if your income falls below the 400 percent poverty level after you retire – anything below $60,240 for a single or $81,760 for a couple in 2024 – you’ll also be eligible for a subsidy that will reduce your monthly premiums. The ACA also ensures that at least through 2025, households with incomes above that 400 percent poverty level will not have to pay more than 8.5 percent of their income for a benchmark policy. To see how much subsidy you may be eligible for, use Kaiser Family Foundation subsidy calculator at KFF.org/interactive/subsidy-calculator. To shop for ACA plans in your state, visit HealthCare.gov or call 800-318-2596. Or, if you want some extra help, contact a certifi ed agent or broker at HealthCare.gov/fi nd-assistance. COBRA: Another temporary health insurance option you may be eligible for is the Consolidated Omnibus Budget Reconciliation Act (COBRA). Under this federal law, if you work for a company that has 20 or more employees, you can remain on your employer’s group health plan for at least 18 months – but could last up to 36 months. But be aware that COBRA isn’t cheap. You’ll pay the full monthly premium yourself, plus a 2 percent administrative fee. To learn more, talk to your employer benefits administrator or contact the Employee Benefi ts Security Administration (Askebsa.dol.gov; 866444-3272). If, however, the company you work for has fewer than 20 employees, you may still be able to get continued coverage through your company if your state has “mini-COBRA.” Contact your state insurance department to see if this is available where you live. Short-Term Health Insurance: If you can’t fi nd an affordable ACA plan and COBRA is too expensive, another possible option is shortterm health insurance. These plans, which are not available in every state, are cheaper, bare-bones health plans that provide coverage for up to 3 months with a one-month extension available. But be aware that short-term plans don’t comply with the ACA so they can deny sick people coverage, they don’t cover preexisting conditions and they can exclude coverage essentials like prescription drugs. To fi nd and compare shortterm health plans, try sites like eHealthInsurance.com or PivotHealth.com. Healthcare sharing ministries: If the previously listed options don’t work for you, another temporary solution could be healthcare sharing ministries (HCSM). These are cost-sharing health plans in which members – who typically share a religious belief – make monthly payments to cover expenses of other members, including themselves. HCSM’s are cheaper than paying full out-of-pocket costs for traditional health insurance but be aware that HCSM’s are not health insurance. They don’t have to comply with the consumer protections of the ACA, and they can also reject or limit coverage for having pre-existing health issues and limit how much you’ll be reimbursed for your medical costs. Preventive care typically isn’t covered either. To look for these plans, comparison shop at the three largest providers – Samaritan Ministries (SamaritanMinistries. org), Medi-Share (MyChristianCare.org), and Christian Healthcare Ministries (Chministries.org). Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. Say nir Sa a y Senior Seni by Jim Miller nior ior
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