Queen Anne News 10152025

Celebrate Light and Culture at Diwali: Lights of India Keep Moving: Creative Ways to Stay Active Indoors

Seattle Center will shine bright on Saturday, Oct. 18, as Diwali: Lights of India brings the joy, music, and traditions of India to the Seattle Center Armory Food & Event Hall. The free, family-friendly celebration runs from noon to 6 p.m. and offers a full afternoon of performances, art, and hands-on activities honoring India’s beloved Festival of Lights.

Presented by Seattle Center Festál in partnership with Northwest Share, Diwali: Lights of India celebrates the triumph of light over darkness and knowledge over ignorance through music, dance, food, and community connection.

Attendees can enjoy a diverse lineup of cultural performances, including an Indian classical choir from the Swaranjali School of Music, Odissi dance by the Urvasi Dance Ensemble, Kathak dance by Anga Kala Kathak Academy, and folk and semi-classical fusion by Labonyo. The program also features devotional songs from the Vedic Cultural Center, Manipuri dance by Movement in Motion, Kerala art forms from the Kerala Association of Washington, and a percussion showcase from the Indian Percussive Arts Center. The festival will close with a youth violin ensemble from the Temple of Music, led by Grammy Award–winning violinist Ganesh Rajagopalan.

Throughout the Armory, guests can take part in hands-on activities celebrating Diwali traditions — from creating a colorful rangoli flower mandala to trying henna art, lamp and rock painting, and clay Ganesha modeling. Families can decorate

sweets, make garlands, explore aromatherapy crafts, and enjoy demonstrations such as fresh roti making.

Upstairs, a gallery of Indian visual arts will feature Madhubani art by Deepti Designs, textile block printing with Devika Mehrotra, a puppet show and workshop by Ramya Shankar, and exhibits from Expression Arts.“As a community, we celebrate Diwali at Seattle Center to share the richness of Indian culture with all of Seattle,” said festival producer Latha Sambamurti. “We are proud to bring music, dance, art, food, and storytelling together in one joyful afternoon of light and hope.”

“Diwali, also known as the Festival of Lights, is one of India’s most celebrated holidays”

Diwali, also known as the Festival of Lights, is one of India’s most celebrated holidays, symbolizing the victory of good over evil and light over darkness. During Diwali in India, homes glow with lamps and candles, families share sweets, and fireworks light up the sky in celebration of renewal and prosperity.

The event is part of Seattle Center Festál’s annual series of 25 cultural festivals, which highlight the traditions and heritage of communities across the Pacific Northwest.

For more information, visit seattlecenter.com/festal.

While getting outside has myriad benefits, there are times you have to be inside. As November comes in, so do gray skies, persistent rain, and the cozy pull of the couch. It’s easy to let days slip by without moving much – especially if you work remotely. Staying active indoors isn’t just about keeping your fitness on track; it’s a mood booster, stress reliever, and keeps your body limber, even when the weather keeps you inside.

MINI-WORKOUTS

FOR SMALL SPACES

Movement keeps the blood flowing – including to the brain – lubricates our joints, stretches muscles, and signals the release of energizing hormones. You don’t need a gym or a lot of space to get your blood flowing. Even small apartments or offices offer plenty of room for movement.

Start with desk stretches: roll your shoulders, stretch your neck gently, and twist side-to-side to counteract hours at the computer.

Micro-movements are just as valuable—try calf raises while brushing your teeth, squats while waiting for your coffee to brew, or marching in place during phone calls. Because movement influences metabolism, doing a few reps before or after meals can help moderate blood sugar and support insulin regulation—just 30 seconds of squats or ten minutes on a treadmill makes a difference.

A few compact tools expand your options widely. A yoga mat, a set of resistance bands, or light dumbbells don’t take up much space and work for strength training and flexibility routines. Standing desks, under-desk treadmills and yoga balls can also add a little movement while you work (or scroll).

The key is to all of this is consistency: even five to ten minutes a few times a day makes a big impact.

Biomechanist and author Katy Bowman calls these “movement snacks.”

MAKE IT EASY

Habit and routine are your allies. Schedule movement blocks on your calendar as if they were meetings you can’t miss. Pairing movement with daily rituals—sipping coffee, brushing teeth, checking mail— cements it in your day.

You’ve heard “Sitting is the new smoking?” There are lots of ways to break up

all that chair time. Fitness trackers and Apple Watches offer reminders to move or you can reminders on your phone. Ideally you’d move at least every 45 minutes, but everything helps.

A partner or accountability buddy enhances commitment – you’re more likely to bail on yourself than a friend. Share progress with a friend, join a virtual mini-workout, or track your streaks in an app or journal to watch small wins accumulate.

Even your clothing sends a signal. Lacing up sneakers or slipping into workout clothes primes your mind for action. Some people take it a step further, sleeping in workout attire to greet the day with motion. Rotate your routines, too: surprising your muscles keeps the body guessing and curiosity alive.

MAKE IT PLAYFUL

Movement becomes irresistible when it’s fun. Blast your favorite tunes for a quick living room dance party—brain and body alike will thank you. Motionsensitive video games and virtual reality workouts turn exercise into play, blending entertainment with effort.

Audio adds another layer of enjoyment. Another way to keep you focused is to incorporate audio: music, podcasts, or audiobooks make workouts fly by and feel even more productive.

Playing with the kids or your pets is a great movement break that boosts feel-good hormones for all parties. Actual chores boost your circulation and step count too, so you can feel virtuous while sweeping or scrubbing.

When you see movement as a creative challenge or game, it becomes less about “exercise” and more about enjoyment, shifting you from obligation or resentment to gratitude and anticipation.

PRACTICES

MIND-BODY

Some days call for gentler attention. Yoga and Pilates offer flowing sequences that strengthen the core, improve flexibility, and calm restless thoughts. Tai chi and Qigong merge movement with mindfulness,

fostering balance and body awareness.

Even a few breaths can reset your system. Inhale as you lift or stretch, exhale as you fold or twist. Coordinating breath and motion stimulates circulation, eases tension, and nudges the nervous system into a state of calm alertness.

Even during the Big Dark, you can create pockets of energy, joy, and vitality right inside your home. Movement indoors—whether through mini-workouts, dance, mindful practices, or playful chores—offers a double benefit: strengthening your body while supporting your mental and emotional well-being.

The next time gray skies beckon you to linger on the couch, remember: five minutes of creative movement might be all you need to brighten your day.

The most effective movement plans hinge on habit and structure. Block time on your calendar—just like you would a meeting—for short movement sessions. Treat these as non-negotiable breaks in your day. Stacking movement with daily habits, like making your coffee or brushing your teeth helps wire them into your mind and your day.

Consider a buddy system to boost accountability. Schedule virtual miniworkouts or simply check in with a friend or family member to share your progress. Tracking movement, whether with an app, wearable, or journal, can also help maintain motivation and make the accomplishments feel tangible.

Dress for the job: putting on sneakers or workout clothes—even just for a quick indoor session—creates a mental cue that you’re ready to move. Some people sleep in their workout clothes to remind them to start their day with a movement session. While forming a routine is important, variety is key to challenge different muscle groups (keep the body guessing) and keep you engaged.

MAKE IT FUN

One of the easiest ways to stay motivated is to make it fun instead of looking at it as a chore. Crank up your favorite music for a 10-minute living room dance party—your body and brain will thank you. Motionsensitive video games or virtual reality fitness apps gamify your workouts to keep you engaged.

Savvy Senior: Can You Get a Lump Sum Social Security Payment?

by Jim Miller

Dear Savvy Senior,

I’ve read that the Social Security Administration offers a lump-sum payment to new retirees who need some extra cash. I haven’t yet filed for my retirement benefits and would like to find out if this is true. What can you tell me?

—Born In 1958

Dear 1958,

There is indeed a little-known Social Security claiming strategy that’s been around for many years that can provide retirees a lump-sum benefit, but you need to be past your full retirement age to be eligible, and there are financial drawbacks you need to be aware of too.

First, let’s review the basics. Remember that while workers can begin drawing their Social Security retirement benefits anytime between ages 62 and 70, full retirement age is 66 and 8 months for those born in 1958, but it rises in two-month increments every birth year to age 67 for those born in 1960 and later.

At full retirement age, you are entitled to 100 percent of your benefits. But if you claim earlier, your benefits will be reduced by 5 to 6.66 percent every year you start before your full retirement age. While if you delay taking your benefits beyond your full retirement age, you’ll get 8 percent more each year until age 70.

LUMP SUM OPTION

If you are past full retirement age, and have not yet filed for your benefits, the Social Security Administration offers a retroactive lump-sum payment that’s worth six months of benefits.

Here’s how it works. Let’s say for example that you were planning to delay taking your Social Security benefits past your full retirement age of 66 and 8 months, but you changed your mind at 67 and two months. You could then claim a lump-sum payment equal to those six months of benefits. So, for instance, if your full retirement age benefit was $2,500 per month, you would be entitled to a $15,000 lump sum payment.

“You may need to consider Uncle Sam.”

If you decided at age 67 that you wanted to file retroactively, you’d get only four months’ worth of benefits in your lump sum, because SSA rules prohibit you from claiming benefits that pre-date your full retirement age.

DRAWBACKS

The downside to this strategy is that once you accept a lump-sum payment, you’ll lose the delayed retirement credits you’ve accrued, and your future monthly retirement benefit will be reduced to reflect the amount you already received. It will also affect your future survivor benefit to your spouse or other eligible family members after you die.

You may also need to consider Uncle Sam. Depending on your income, Social Security benefits may be taxable, and a lump-sum payment could boost the amount of benefits that are taxed.

The federal government taxes up to 50 percent of Social Security benefits at ordinary income tax rates if your combined income – defined as adjusted gross income plus nontaxable interest income plus half of your Social Security benefits – exceeds $25,000, and up to 85 percent of benefits are taxable if combined income exceeds $34,000. For married couples, the comparable income thresholds for taxing benefits are $32,000 and $44,000.

To help you calculate this, see IRS Publication 915 “Social Security and Equivalent Railroad Retirement Benefits” at IRS.gov/pub/irs-pdf/p915.pdf, or call 800829-3676 and ask them to mail you a copy.

In addition, if the lump-sum payment of retroactive Social Security benefits boosts your yearly income over $106,000 (or $212,000 for married couples filing jointly), it will increase your future Medicare premiums too. See Medicare.gov/Pubs/pdf/11579medicare-costs.pdf for details.

Send your questions or comments to questions@savvysenior.org, or to Savvy Senior, P.O. Box 5443, Norman, OK 73070.

OIG Reviews Seattle’s CARE Team, Citing Promise and Constraints

Anew report from Seattle’s Office of Inspector General (OIG) offers a close look at the city’s Community Assisted Response and Engagement (CARE) Team — a group of behavioral health specialists created to handle low-risk 911 calls involving people in crisis.

The CARE Team, launched in 2023, is part of the city’s effort to build a “third branch” of public safety, separate from police and fire. Instead of officers or paramedics, CARE dispatches unarmed responders trained in de-escalation, behavioral health, and crisis intervention to non-violent incidents such as welfare checks or “person down” calls.

OIG’s 2025 Diversified Crisis Response Assessment describes CARE as a valuable new tool for connecting people to help while freeing up police resources — but says the team’s potential remains limited by staffing, data collection, and union restrictions.

Under a memorandum of understanding between the city and the Seattle Police Officers Guild, police must accompany CARE responders on nearly all 911 calls to determine whether the scene is safe. That “dual dispatch” requirement, the report notes, means the program cannot yet operate independently or save significant police time. The same agreement caps the number of CARE responders at 24 and narrowly

defines which calls they can take.

Despite those limits, the CARE Team has steadily expanded its reach. Starting with six responders downtown in 2023, it now operates citywide from noon to 10 p.m. seven days a week. From late 2023 through mid-2025, the team handled nearly 4,800 cases — most involving assistance such as providing food, blankets, transportation, or emotional support. Many calls were “onview” situations in which responders approached someone in need rather than being dispatched through 911.

The OIG report also points out challenges in tracking results. Because CARE does not collect identifying or demographic information, the city cannot easily measure how many people it serves, whether those individuals receive continuing care, or what impact the program has on reducing arrests or police use of force.

The Inspector General recommends continued evaluation of how CARE interacts with police, how many hours of service it saves, and whether it improves community safety overall. The current police guild contract — which expires at the end of 2025 — could give the city an opportunity to renegotiate restrictions and expand the program’s reach.

The full report is available at Seattle.gov/ OIG/reports.

5 Tips for Washingtonians Choosing Health Benefits for 2026

By Carmen Cooper CEO, UnitedHealthcare of Washington

As Washingtonians evaluate their health plan options during open enrollment season, a recent survey found that 43% of Americans regret a health decision they’ve made because of misleading information — and 1 in 5 admit that content creators without medical credentials have influenced their health choices.

Looking regionally, America’s Health Rankings reports that 6.3% of Washington residents remain uninsured, below the national average of 7.9%. To understand your coverage options and enrollment period, refer to this guidance as open enrollment begins this fall.

Enrollment timing: For people with coverage from their employer, open enrollment typically happens during a two- or three-week period between September and December. For those eligible for Medicare, the Medicare Annual Enrollment Period runs from Oct. 15 - Dec. 7 each year. For Washingtonians shopping for individual plans on the Health Insurance Marketplace, open enrollment starts on Nov. 1 and ends on Jan. 15.

HERE ARE A FEW TIPS TO CONSIDER WHEN CHOOSING A PLAN:

1. Start early. Compare plan benefits, services and costs—including updates to your current coverage. Look beyond premiums to understand out-of-pocket costs like deductibles, copays and coinsurance.

Make sure you understand the difference between Original Medicare and Medicare Advantage. Visit MedicareEducation. com for answers on eligibility, plan choices, costs and prescription coverage.

2. Demystify the Language. Health care terms can be confusing. Resources like the JustPlainClear.com glossary can help you make informed decisions.

Medicare Made Clear breaks down the basics and complexities of Medicare in a way that’s easy to understand.

3. Avoid surprise expenses. Confirm your doctor is in-network and make sure your medications are covered—even if you’re not switching plans. Consider network pharmacies or home delivery for savings.

Original Medicare typically doesn’t cover prescriptions. A Medicare Advantage plan with drug coverage can help manage medication expenses.

4. Prioritize mental health. Review what each plan offers, such as in-person and virtual visits, 24/7 support lines and digital selfcare tools.

Look for Medicare plans that include virtual mental health care with a $0 copay

5. Go digital for convenience. If you prefer care from home, choose a plan with 24/7 virtual visits. Digital tools can help simplify provider searches and cost comparisons, with many apps bringing wellness visits and maternal care into one place.

Older adults are embracing digital tools. Health plan apps can help with claims, rewards, and prescription refills.

There’s a lot of health information online, but not all of it is accurate. Here are three ways to help protect yourself from misleading claims:

• Check the source: Is the advice from a doctor or a trusted health group? Does it cite research?

• Watch for red flags: Be cautious of posts that promise quick fixes, use fear tactics, or push products without explaining risks.

• Double-check before you act: If something sounds extreme or too good to be true, ask your doctor or look it up on a reputable health site.

Check out Get the Facts to help clear up the confusion and to see the facts about how the health care system works.

Seattle’s $23 Million Monorail Makeover: A Love Letter to Our Favorite Relic of the Future

The Alweg Monorail — that sleek, space-age symbol of Seattle’s 1962

get a $23 million renovation.

That’s right: our beloved 0.9-mile “train to tomorrow” is finally catching up to the present. The overhaul, announced earlier this month, will modernize the monorail’s Seattle Center station, improve accessibility, repair aging infrastructure, and give the entire system a well-earned tune-up as it approaches its 63rd birthday.

WHAT’S ACTUALLY HAPPENING

The project will include a new Thomas Street pedestrian ramp to better connect Seattle Center to the rest of the city’s transportation grid, replacing the patchwork of stairs and elevators that long confused firsttime riders. The renovations also include new platforms, upgraded lighting, fresh paint, signage improvements, and mechanical maintenance to the elevated beamway that’s carried millions since the World’s Fair.

City officials say the project’s goal is to improve accessibility for riders with limited mobility, extend the lifespan of the structure, and enhance the experience for the 2 million passengers the monorail carries annually.

Funding comes through a public-private partnership between the City of Seattle and Seattle Monorail Services, which has operated the trains since 1994 under contract with the city. Construction is scheduled to begin later this year and will take roughly 18 months to complete, with one train remaining in operation throughout.

A HISTORY THAT STICKS (LITERALLY)

The Alweg Monorail was built in just 10 months for the 1962 Century 21 Exposition — the same World’s Fair that gave us the Space Needle and that peculiar mid-century

optimism — is about to

confidence that the future would definitely include silver trains and personal jetpacks.

The trains themselves (Red and Blue if you’re on a first name basis) both declared historic landmarks still glide along the original elevated track between Seattle Center and Westlake Mall, reaching speeds up to 45 mph. For all its limited reach, it remains one of the city’s most recognizable landmarks and continues to operate as both tourist attraction and functional connector to Link light rail.

And yes, every Seattleite has at least once said, “They should’ve expanded it.” Then we all remember this is Seattle, and we’d still be holding community meetings about beam color.

SHOULD WATCH FOR Disruption (or, “Can I still get to the Space Needle?”)

Yes — mostly. The city plans to keep at least one train running throughout construction, ensuring locals can still make their dazzling monorail pilgrimage. There may be short closures, but nothing that would strand you mid-beam.

Future bragging rights.

Once complete, Seattle will boast the shiniest, most accessible 0.9-mile transit link in the Pacific Northwest (narrowly edging out, well, all the other 0.9-mile transit links). Expect new signage, modern lighting,

Updates: OpEd:

Washington State Disregards Seattle Women Firefighters’ Rights for Cancer Treatment

By Jordan Cade Environmental Litigation Group, P.C.

Women firefighters in Seattle and Washington State risk their lives every day, responding to emergencies and protecting their communities. Yet, when it comes to occupational cancer protections, state law fails to recognize the full range of risks to women’s reproductive health specifically.

In January 2025, the U.S. Department of Labor finally acknowledged the occupational illness of female firefighters by including breast, ovarian, uterine, and cervical cancers in their updated federal policy. However, Washington State’s Revised Code omits ovarian and uterine cancers from the list, two diseases with well-established links to the toxic exposure common in firefighting environments.

Although the update currently acknowledges breast and cervical cancers, this inconsistency between federal and state policy is not only medically indefensible but also morally unacceptable. Moreover, it doesn’t reflect the recent demographic representation in the firefighting profession. In 2020, approximately 89,600 women served as firefighters in the U.S., representing 9% of the total workforce. An estimated 17,200 of them were career firefighters, and more than 72,000 were volunteers—a significant segment that the current legislation continues to overlook.

Cancer Risks in Seattle and Washington State’s Female Firefighters

There is no recent data available on the number of women firefighters in Washington State. However, the latest statistics indicate that approximately 200 women were employed in 2003 across 30 existing fire departments.

In 2020, the Seattle Fire Department reached a 7% representation of women in its firefighter force. Four years later, the same department reopened its recruitment process in an effort to diversify its workforce, and in October 2025, they will host the ‘Future Women in EMS/Fire Workshop’, an event designed to educate and remove barriers for women interested in these fields.

While all these honorable endeavors support women’s engagement and recognition for their hard work in the firefighting profession, Washington State’s laws fail to include all the female-specific cancers in the list of presumptive occupational diseases.

Female firefighters are routinely exposed to several toxic compounds, such as per- and polyfluoroalkyl substances (PFAS) found in firefighting foams (AFFF) and turnout gear. Numerous studies have established that these hazardous chemicals are linked to increased risks of several cancers, including breast, ovarian, and uterine cancers.

In 2018, Washington state took decisive action by banning AFFF for training operations of the firefighters and mandating PFAS labeling for any turnout gear containing them. Yet, in the lack of available alternatives, these hazardous substances are still used during emergency response operations.

Recent research points to elevated levels of PFAS in women diagnosed with ovarian and uterine cancers, previously linked primarily to other environmental contaminants such as phenols or parabens. However, the recent evidence suggests a strong correlation between PFAS exposure and these life-threatening conditions. The advancements in research underscore the urgency of updating the legislation and immediately including ovarian and uterine cancers as occupational diseases for

Washington State firefighters.

The lawmakers’ omissions may be attributed to the lack of large-scale research specifically focused on women in the firefighting profession, which males have historically dominated. However, a recent study found higher rates of breast, cervical, and uterine cancers in women firefighters compared to the general female population. Considering these recent findings, the policy needs to be urgently updated.

Female Firefighters Need Equal Protection from the Law

Women firefighters perform the same duties and are exposed to the same hazardous conditions as their male counterparts, and yet face unacceptable obstacles towards recognition, care, and compensation.

The absence of inclusive legislation forces women to prove that their cancer diagnoses are linked to PFAS exposure, and often, their claims may be denied. The entire process is wasting precious time and mounting financial burdens for the affected female firefighters and their families.

The situation is neither equitable nor sustainable. If the fire does not discriminate, neither should the law. To continue ignoring ovarian and uterine cancers in the state’s occupational illness statutes is to overlook the experiences of female firefighters in Washington willfully. If the state aims for leadership in equity and health protection, it must align its policies with scientific evidence and federal standards. It’s not merely a question of policy; it’s a matter of justice. When the diagnosis is made, female firefighters should be met with support, recognition, and care that they have earned, not red tape.

a pedestrian-friendly ramp, and refreshed interiors worthy of a postcard.

Cost overruns.

Let’s be honest — this is Seattle. If there’s one thing that can rival our devotion to the monorail, it’s our uncanny ability to exceed a project budget. City Hall promises to keep this one on track — pun intended — but locals know the drill.

Tourist selfies.

Get ready for a resurgence of Instagram posts under the beamway. Nothing says “Seattle vintage” like a perfectly timed shot of the Red Train sliding past the Space Needle at sunset.

OUR BELOVED STEEL SNAKE

Seattleites love to grumble, but deep down, we’re proud of our quirky transit survivor. The monorail may be short, stubborn, and occasionally squeaky, but it’s also one of the last operating Alweg systems in the world — a living museum piece that still runs on schedule (most days).

The $23 million makeover ensures it’ll keep humming for another generation, even if it never fulfills its grand destiny as a city-wide network. It’s a symbol of what Seattle once dreamed it could be — efficient, futuristic, a little overconfident, and proudly unique.

So yes, we’ll roll our eyes, we’ll check the budget line twice, and we’ll still grin when we hear that familiar electric whine echoing down 5th Avenue.

Because some things — like the monorail, drizzle, and passive-aggressive civic pride — are simply too Seattle to ever go out of style.

“One More Stop” Patrol Results

In a follow-up to our Sept. 24 story on the “One More Stop” patrol honoring fallen Washington State Patrol Trooper Christopher Gadd, state officials have released results from the multistate traffic safety effort.

Between Sept. 26 and 29, officers across Washington, Oregon, and Idaho made 5,330 motorist contacts in 73 hours. Nearly half resulted in citations, with 109 arrests for suspected DUI and 144 for other offenses or warrants.

According to data released by the Washington State Patrol (WSP) and Washington Traffic Safety Commission (WTSC), 46 percent of contacts resulted in

Seattle Parks and Recreation has announced that the Magnolia Community Center’s reopening will be delayed due to ongoing construction work.

The center was originally expected to reopen this fall, with several new activities planned, including a free bridge group and other programs. However, Seattle Parks officials confirmed that all fall programs have been cancelled while work on the building continues.

“We’re experiencing some delays with the building completion and will unfortunately have to push

citations, while 54 percent were warnings. Officers made 109 arrests for suspected DUI and another 144 arrests for various offenses or outstanding warrants.

Speeding was the leading violation, accounting for 28 percent of all stops, followed by distracted driving and seat-belt violations.

WSP Chief John Batiste said the patrol carried forward Trooper Gadd’s commitment to safety: “Impairment and speed are a fatal combination. I’m proud of the dedicated efforts of troopers, deputies, and officers who continue to honor his memory.”

For more information, visit wsp. wa.gov or wtsc.wa.go

back our reopening date,” staff said in a statement. “We’re so sorry for this change in plans and appreciate the community’s patience.”

Seattle Parks and Recreation will share updated information once a new reopening timeline is confirmed.

Residents looking for recreation options in the meantime can explore nearby facilities such as the Queen Anne Community Center, which remains open and continues to offer free and low-cost drop-in activities, classes, and licensed childcare.

before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before October 6, 2025 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees’ fees and costs are paid. Payment must be in cash or with cashiers’ or certified checks from a State or federally chartered bank. The sale may be terminated any time after the October 6, 2025 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the entire principal and interest secured by the Deed of Trust, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI. A written Notice of Default was transmitted by the current Beneficiary, Deutsche Bank National Trust Company, as Trustee, in trust for registered Holders of Long Beach Mortgage Loan Trust 2006-3, Asset-Backed Certificates, Series 2006-3 or Trustee to the Borrower and Grantor at the following address(es):ADDRESS SHELIA DIANE

DANIELS AKA SHEILA DANIELS 37802 26TH DRIVE S, FEDERAL WAY, WA 98003 SHELIA DIANE DANIELS AKA SHEILA DANIELS 31916 3RD LANE SW(A103), FEDERAL WAY, WA 98023

SHELIA DIANE DANIELS AKA SHEILA DANIELS 31916 3RD LN SW, FEDERAL WAY, WA 98023 SHELIA DIANE

DANIELS AKA SHEILA DANIELS 333 S. 320TH STREET #4, FEDERAL WAY, WA 98003 DESAMU SYLVANUS THORPE C/O PAIGE DIANA HALEY, INTEGRATIVE FAMILY LAW, PLLC, 901 5TH AVE, STE 2800, SEATTLE, WA 981642069 DESAMU SYLVANUS THORPE

333 S. 320TH STREET #4, FEDERAL WAY, WA 98003 DESAMU SYLVANUS THORPE 37802 26TH DRIVE S, FEDERAL WAY, WA 98003 SHEILA DANIELS 37802 26TH DRIVE S, FEDERAL WAY, WA 98003 SHEILA DANIELS 31916 3RD LANE SW (A 103), FEDERAL WAY, WA 98023 SHEILA DANIELS 333 S. 320TH STREET #4, FEDERAL WAY, WA 98003 SHELIA DIANE DANIELS C/O PAIGE DIANA HALEY, INTEGRATIVE FAMILY LAW, PLLC, 901 5TH AVE, STE 2800, SEATTLE, WA 981642069 DESAMU THORPE 37802 26TH DRIVE S, FEDERAL WAY, WA 98003

DESAMU THORPE 31916 3RD LANE SW (A 103), FEDERAL WAY, WA 98023

DESAMU THORPE 333 S. 320TH STREET #4, FEDERAL WAY, WA 98003

UNKNOWN SPOUSE OF DESAMU THORPE 37802 26TH DRIVE S, FEDERAL WAY, WA 98003 UNKNOWN SPOUSE OF DESAMU THORPE 31916 3RD LANE SW (A 103), FEDERAL WAY, WA 98023 UNKNOWN SPOUSE OF DESAMU THORPE 333 S. 320TH STREET #4, FEDERAL WAY, WA 98003

UNKNOWN SPOUSE OF SHELIA DANIELS 7802 26TH DRIVE S, FEDERAL WAY, WA 98003 UNKNOWN SPOUSE OF SHELIA DANIELS 31916 3RD LANE SW (A 103), FEDERAL WAY, WA 98023

UNKNOWN SPOUSE OF SHELIA DAN-

IELS 333 S. 320TH STREET #4, FEDERAL WAY, WA 98003 by both first class and certified mail on May 28, 2024, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default or the written Notice of Default was posted in a conspicuous place May 24, 2024 on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above described property. IX. Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustees’ Sale. X. Notice to Occupants or Tenants. The purchaser at the Trustee’s sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. Notice to Borrower(s) who received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. Mediation MUST be requested between the time you receive the Notice of Default and no later than 90 calendar days BEFORE the date of sale listed in the Notice of Trustee Sale. If an amended Notice of Trustee Sale is recorded providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in the amended Notice of Trustee Sale.DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you might be eligible

and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Washington State Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-8944663) Website: https://www.homeownership-wa.org/The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 Website: https://answers.hud.gov/ housingcounseling/s/?language=en_US The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Toll-free: 1-800-606-4819 Website: https://nwjustice.org/home Dated: 08/15/2025 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Alan Burton, Vice President MTC Financial Inc. dba Trustee Corps 606 W. Gowe Street Kent, WA 98032 Toll Free Number: (844) 367-8456 TDD: 711 949.252.8300 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps Order Number 115457, Pub Dates: 09/24/2025, 10/15/2025, QUEEN ANNE & MAGNOLIA NEWS

TS No WA09000014-25-1 TO No DEF665880 NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Grantor: JOYCE A. MADISON, UNMARRIED, INDIVIDUALLY Current Beneficiary of the Deed of Trust: SELECT PORTFOLIO SERVICING, INC. Original Trustee of the Deed of Trust: FIRST AMERICAN TITLE INSURANCE COMPANY Current Trustee of the Deed of Trust: MTC Financial Inc. dba Trustee Corps Current Mortgage Servicer of the Deed of Trust: Select Portfolio Servicing, Inc. Reference Number of the Deed of Trust: Instrument No. 20240220000606 Parcel Number: 116000-0380-04 I. NOTICE IS HEREBY GIVEN that on October 17, 2025, 09:00 AM, Main Entrance, King County Administration Building, 500 4th Avenue, Seattle, WA 98104, MTC Financial Inc. dba Trustee Corps, the undersigned Trustee, will sell at public auction to the highest and best bidder, payable, in the form of cash, or cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of King, State of Washington, to-wit: THE LAND HEREINAFTER REFERRED TO IS SITUATED IN THE CITY OF SEATTLE, COUNTY OF KING, STATE OF WASHINGTON, AND IS DESCRIBED AS FOLLOWS: LOT 13, BLOCK 5, BROOKWOOD PARK, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 34 OF PLATS, PAGE 45, RECORDS OF KING COUNTY, WASHINGTON. APN: 116000-0380-04 More commonly known as 10713 15TH AVE NE, SEATTLE, WA 98125-6415 which is subject to that certain Deed of Trust dated May 11, 2022, executed by JOYCE A. MADISON, UNMARRIED, INDIVIDUALLY as Trustor(s), to secure obligations in favor of BANK OF AMERICA,N.A. as original Beneficiary recorded February 20, 2024 as Instrument No. 20240220000606 and the beneficial interest was assigned to SELECT PORTFOLIO SERVICING INC. and recorded July 29, 2024 as Instrument Number 20240729000602 of official records in the Office of the Recorder of King County, Washington. II. No action commenced by SELECT PORTFOLIO SERVICING, INC., the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers’ or Grantors’ default on the obligation secured by the Deed of Trust/Mortgage. III. The default(s) for which this foreclosure is made is/are as follows: FAILURE TO PAY WHEN DUE THE FOLLOWING AMOUNTS WHICH ARE NOW IN ARREARS: DELINQUENT PAYMENT INFORMATION From March 1, 2024 To May 29, 2025 Number of Payments 5 Monthly Payment $2,564.62 10 $2,715.91 Total $39,982.20 LATE CHARGE INFORMATION March 1, 2024 May 29, 2025 PROMISSORY NOTE INFORMATION Note Dated: May 11, 2022 Note Amount $395,200.00 Interest Paid To: February 1, 2024 Next Due Date: March 1, 2024 Current Beneficiary: SELECT PORTFOLIO SERVICING, INC. Contact Phone No: (888) 3498955 Address: 3217 S. Decker Lake Dr., Salt Lake City, UT 84119 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $383,691.91, together with interest as provided in the Note or other instrument secured, and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute. V. The above described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on October 17, 2025. The defaults referred to in Paragraph III must be cured by October 6, 2025, (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and

terminated if at any time before October 6, 2025 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees’ fees and costs are paid. Payment must be in cash or with cashiers’ or certified checks from a State or federally chartered bank. The sale may be terminated any time after the October 6, 2025 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the entire principal and interest secured by the Deed of Trust, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI. A written Notice of Default was transmitted by the current Beneficiary, SELECT PORTFOLIO SERVICING, INC. or Trustee to the Borrower and Grantor at the following address(es):

ADDRESS JOYCE A. MADISON 10713 15TH AVE NE, SEATTLE, WA 981256415 OCCUPANT 10713 15TH AVE NE, SEATTLE, WA 98125-6415 UNKNOWN

SPOUSE OF JOYCE A. MADISON 10713 15TH AVE NE, SEATTLE, WA 98125-6415 AMES EARL MADISON 5639 S LAKESHORE DR, SHREVEPORT, LA 71119-4016 ESTATE OF JOYCE ANN MADISON 10713 15TH AVE NE, SEATTLE, WA 98125-6415 GEORGE ROWAN JOHNSTON 10713 15TH AVE NE, SEATTLE, WA 981256415 GEORGE ROWAN JOHNSTON

P.O. BOX 77241, SEATTLE, WA 981770241 HEIRS AND DEVISEES OF JOYCE ANN MADISON 10713 15TH AVE NE, SEATTLE, WA 98125-6415

MARY MADISON 10713 15TH AVE NE, SEATTLE, WA 98125-6415 MARY MADISON 9802 NE MURDEN COVE DR, BAINBRIDGE ISLAND, WA 98110-3380 by both first class and certified mail on April 8, 2025, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default or the written Notice of Default was posted in a conspicuous place April 8, 2025 on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above described property. IX. Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustees’ Sale. X. Notice to Occupants or Tenants. The purchaser at the Trustee’s sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. Notice to Borrower(s) who received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. Mediation MUST be requested between the time you receive the Notice of Default and no later than 90 calendar days BEFORE the date of sale listed in the Notice of Trustee Sale. If an amended Notice of Trustee Sale is recorded providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in the amended Notice of Trustee Sale. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you might eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Telephone: (877) 8944663 or (800) 606-4819 Website: www. wshfc.org The United States Department of Housing and Urban Development: Telephone: (800) 569-4287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: (800) 606-4819 Website: www.homeownership.wa.gov

Dated: May 29, 2025 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Alan Burton, Vice President MTC Financial Inc. dba Trustee Corps 606 W. Gowe Street Kent, WA 98032 Toll Free Number: (844) 3678456 TDD: 711 949.252.8300 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps Order Number 112495, Pub Dates: 09/24/2025, 10/15/2025, QUEEN ANNE & MAGNOLIA NEWS