THE EVERETT ADVOCATE – FRiDAy, OCTObER 2, 2026 Page 11 ~ Everett Public Libraries Calendar of Events ~ Oct. 5–10 Adopt-a-Ghost: All month long, stop by the adult circulation desk at either the Parlin or Shute Library and adopt a ghost companion. It is simple: Check out at least one book, choose your ghost and take your new spooky friend home! Hurry, these ghosts won’t haunt the libraries forever! One ghost per reader. Adopt-a-Ghost is generously funded by the Friends of the Everett Public Libraries. Parlin Adult and Teens Gaming Club: Parlin YA Room, Tuesdays and Thursdays at 3 p.m. Join us for board games and video games at the library! Bring your own or play what we have here. For ages 12 and up. Yarn Club: Parlin Fireplace Room, Tuesday, October 6, at 7 p.m. Come chit-chat and stitch! Bring your crocheting, knitting or any other yarn craft and sit and socialize with other members of the crafting community. Recommended for ages 14109! The first Tuesday of every month is Beginner Crochet Day, where we will be making a new beginner-friendly crochet project each month. Yarn and crochet tools will be provided by the library, so just bring yourself and get ready to make something new! Salem Witch Hysteria: Parlin Meeting Room, October 7 at 3:30. History comes alive with the Delvina Theatre Company’s dramatization of the true stories of the Salem Witch Hysteria. In Salem, Massachusetts, in 1692, approximately 168 men and women were accused of practicing witchcraft; 20 were executed. As a member of the jury, you will decide on the guilt or innocence of Susannah Martin. Supported by the Everett Cultural Council, part of the Mass Cultural Council. Connolly Center Book Group: Connolly Center Meeting Room, Thursday, October 8, at 12 p.m. Indie pop band founder Michelle Zauner in “Crying in H Mart: A Memoir” tells an unforgettable story about family, food, grief, love and growing up Korean American — “in losing her mother and cooking to bring her back to life, Zauner became herself” (NPR). See Kathleen for copies on her twice monthly visits or call the Parlin (617-3942300) or Shute (617-394-2308) Library. Silent Book Club: Fresco Room, Saturday, October 10, from 12-2 p.m. Join this unique book club where we enjoy quiet reading. Settle into a cozy space with a book, or choose one from our selections, and enjoy an hour or two of uninterrupted reading alongside fellow book lovers. No pressure, no discussions — perfect for those seeking a peaceful escape or motivation to turn the next page. Cozy vibes and reads will be provided. All are welcome! Parlin Children’s Lego Club: Children’s Room, Mondays from 3-5 p.m., come to the library for some free Lego building fun. Open to all ages; children under six years old must be accompanied by an adult; no registration required. Storytime and Sing-along with Karen: Children’s Room, Wednesday, October 7, at 11 a.m. Join us for a fun-filled morning of singing and storytelling with Karen! Suggested ages: newborn to six. Creative Drama Class: Children’s Room, Wednesdays at 3 p.m. Do you have a drama queen or king at home? Explore, create and get dramatic with this fun interpretive program for kids ages six to 14. Tune In: Music Class at the Library! Parlin Meeting Room, Thursday, October 1, from 3-4:30 p.m. Join us for a fun and interactive music class where you’ll learn to read music and sing! We’ll play games, try out cool exercises and have a great time making music together. No experience needed — just bring your voice and get ready to have fun! This program is recommended for ages 10-14. Materials for this program have been generously provided by the Friends of the Everett Public Libraries. Story Time Adventures with Mrs. McAuliffe Parlin Craft Room, Fridays at 11:00 a.m.; join Mrs. McAuliffe for our enchanting Story Time! You will be whisked away on magical adventures through the pages of your favorite books. Bring a friend or make a new one in our circle of friends. Suggested ages: newborn to six. Origami Club: Parlin Fireplace Room, Saturday, October 10, at 12 p.m. Learn how to fold paper animals of all kinds! Open to all ages and abilities. Paper and instruction will be provided. EVENTS | SEE PAGE 14 Due on Sale Clause and Irrevocable Trusts P eople are often concerned about a lender exercising the “due on sale clause” contained in their mortgage allowing a lender to call in the note and force a refinance of the property at a much higher interest rate. So many people have been locked in at 2.75% to 3.75% mortgage rates and they certainly would not want to be paying today’s mortgage rates approximating 7.00%. When trying to protect your home from a nursing home, you may very well decide to transfer it to an irrevocable Trust to start the five-year look back period. Five years after the transfer, the home will be protected as it would not be considered a countable asset for MassHealth purposes. Under 12 U.S.C. Section 1701(j)-3(d)(8), a lender may not exercise a due on sale clause when a borrower transfers residential real estate (with fewer than 5 dwelling units) into an “intervivos” Trust where the borrower is and remains a beneficiary of the Trust and rights of occupancy do not change. An intervivos Trust is simply a Trust you create during your lifetime. An intervivos Trust can be revocable or irrevocable. Therefore, transferring your home into an irrevocable Trust should not lead to a lender exercising its due on sale provision. Your interest rate should be protected. We often will ask the lender to approve the transfer to the irrevocable Trust by providing the lender with a draft of the Trust. I have yet to see a lender exercise the due on sale clause when someone transferred the home to an irrevocable Trust when the home was encumbered by a mortgage. The Garn-St. Germain federal law passed in 1982 was designed to protect lenders by having federal law preempt State law that might have limited a lender’s right to exercise the due on sale clause. Subsequently, Congress enacted 12 U.S.C Section 1701j-3(d) which carved out 9 exceptions where lenders cannot exercise the due on sale clause. Exception number 8 applies to intervivos Trusts. So long as the Settlor of the irrevocable Trust (who is also the borrower on the original mortgage taken out), pursuant to the terms of the Trust, has the right of use, occupancy and possession of the real estate held in Trust and is the current income beneficiary, Section (d)(8) should protect against the due on sale clause as this is federal law. Consequently, you should not have to reserve a life estate on the deed to protect against the due on sale clause. The downside to reserving a life estate on the deed is that if the home is subsequently sold, the portion of the sale attributable to the life estate interest gets paid to the life tenant and is then back on the table as a countable asset for MassHealth eligibility purposes. You can always cite this federal statute to a loan officer as many will not be familiar with this law. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a masters degree in taxation.
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