MA RMV Sticks It To Consumers Again

Another reason the average MA driver has to dislike the Registry of Motor Vehicles:
Registrar of Motor Vehicles, Celia J. Blue, just announced she will not reverse her decision to charge $25 for an updated registration on every car that changes insurance companies despite strong opposition from consumer and insurance agent groups against the abusive fee.
The RMV just raised fees on almost every transaction earlier this year and now they’ve added insult to injury by ramming another fee onto drivers. Ms Blue stated that to not charge the fee would reduce revenue to the RMV. This is another example of the Patrick administrations complete disregard for the taxpayers of MA. As long as he can keep spending more on government every year, he’ll be as happy as a pig in mud.
The only way this will ever be reversed is if you contact your state representative and complain. Post your thoughts on their Facebook pages and send them emails….it will make a difference.

Let’s Talk Money

Our July/August issue of Let’s talk money is now ready here: www.ltmonline.com/jerrysiver

Articles included:

Handle an inheritance with care
If you receive an inheritance, you may be tempted to spend it impulsively. But could you put that money to better use? Investing your inheritance and allowing it to grow could make a significant difference in your and your loved ones’ future.

Let’s talk estate strategy Q&A
• What’s a good way for grandparents to give money to young grandchildren?

How to relax and enjoy your vacation
Vacations are supposed to be relaxing. However, if you don’t plan properly, you can wind up more stressed at the end of your trip than you were at the beginning. We list a few tips for travelers.

Fixed annuities: the DIY retirement income plan
A fixed annuity offers a steady stream of income during retirement that can help supplement your other sources of income. Seek professional advice when you are deciding if a fixed annuity is right for your retirement strategy.

By the numbers: the business of travel
Travel is a booming business. Here’s a look at some travel statistics from the U.S. Travel Association.
Stick to a spending diet
When it comes to budgeting, it doesn’t matter whether you track expenses long term, short term or somewhere in between. The key is creating a realistic budget that you’re willing to stick to.
Top 3 roadblocks to financial well-being
Your financial security could be in jeopardy if you spend too much on things you don’t need, are in too much debt and don’t tuck money away for a rainy day.
No place like home
If something were to unexpectedly happen to you, the last thing you would want is for your family to worry about losing their home. Buying sufficient life insurance can help ensure that your spouse would be able to afford the mortgage and other home-related expenses and that your family could maintain their lifestyle.
Let’s talk insurance Q&A
• What is involved in the insurance underwriting process?
• Should life insurance policies and other documents be kept in a safe deposit box?

Live your dream of retiring
Retirement doesn’t have to be something you only dream about. By being flexible with your retirement date, having multiple sources of income and being realistic about your retirement expenses, you can attain the retirement you want.

Let’s talk retirement Q&A
• If you participate in your employer’s retirement plan, do you need to have other retirement investments, too?
• What is the average percentage of pay deferred to employer sponsored retirement plans?

Choosing the right caregiver
In-home care may be a good option if you can no longer care for your loved one on your own. But before you hire a caregiver, determine the type of care that is needed, ask friends and neighbors for referrals and examine each potential hire’s credentials. Many long-term care insurance policies cover the costs of qualifying care provided in the home.
Let’s talk retirement Q&A
• Would converting a traditional IRA to a Roth IRA be worthwhile for someone nearing retirement?

Learning to live with (and appreciate) employee vacations
Vacations can be beneficial for employees and employers. Not only does taking a vacation boost morale and wellness, it also can have a positive effect on employee performance and productivity. Having a comprehensive, competitive benefits package helps employers attract and retain employees.
Let’s talk business Q&A
• How can employers show employees how much their benefits cost?
• Can a company still contribute to an employee’s SEP-IRA after the employee reaches age 70½?

Rising interest rates: should you worry?
You can’t let uncertainty about the direction of interest rates hold you back from investing. This article explains several ways you can help cushion your portfolio against the effects of fluctuating rates.
Let’s talk retirement Q&A
• If you participate in your employer’s retirement plan, do you need to have other retirement investments, too?
• What is the average percentage of pay deferred to employer sponsored retirement plans?

Mothers, daughters, money managers
Caregivers have many responsibilities. Sometimes those responsibilities include managing finances. If you’re given power of attorney, you must act in your loved one’s best interest, manage money and property carefully and maintain accurate financial records.

Let’s talk retirement Q&A
• If you participate in your employer’s retirement plan, do you need to have other retirement investments, too?
• What is the average percentage of pay deferred to employer sponsored retirement plans?

SMARTWATER CSI. The new anti-theft tool?

A northwestern Indiana police department is one of the first law enforcement agencies in the country to distribute a theft-deterring chemical that leaves DNA-like “signatures” on property and those who attempt to steal it.

Makers of SmartWater CSI say the product makes it easy to track stolen items and link thieves to crimes they’ve committed. Although it has seldom been used in the United States beyond Florida, company officials say it’s been used in Europe for several years.

Read the story here: SMARTWATER CSI

MA Department of Revenue Tax Grab

In December 2013, a new $5 surcharge was added to the fine for civil motor vehicle infractions (CMVIs) that are from Chapters 89 and 90 of the Massachusetts General Laws. CMVIs are violations that are non-criminal, such as speeding or not obeying traffic signs.

Included below is a list of the moving violations under Chapters 89 and 90 that are surchargeable under merit rating and will also be impacted by this surcharge:

Major Traffic Violations
OUI while license suspended for OUI M.G.L. c. 90, s. 23
Child endangerment while OUI M.G.L. c. 90, s. 24V
Permit unlicensed suspended operation of MV M.G.L. c. 90, s. 12(b)
Permit operation without ignition interlock M.G.L. c. 90, s. 12(c)
Operate without ignition interlock M.G.L. c. 90, s. 24S(a)
Tamper with ignition interlock M.G.L. c 90, s. 24T(a)
Bypass ignition interlock for another M.G.L. c. 90, s. 24U(a)(1)

Minor Traffic Violations
Accident, hit and run M.G.L. c. 90, s. 24
Allowing vehicle to stand unattended, motor running M.G.L. c. 90, s. 13
Anything on or in vehicle or on person interferes with operation M.G.L. c. 90, s. 13
Attempting a speed record M.G.L. c. 90, s. 13
Blind pedestrians, must stop for M.G.L. c. 90, s. 14A
Brakes, operating without M.G.L. c. 90, s. 7
Crosswalk, motor vehicle not to enter if his car will block it M.G.L. c. 89, s. 11 Crosswalk, operator yield to pedestrian M.G. L. c. 89, s. 11Directional signals, devices required M.G.L. c. 90, s. 7
Directional signals, hand or mechanical required for lane change M.G.L. c. 90, s. 14B
Drag racing, speeding M.G.L. c. 90, s. 17B
Driving in “breakdown lane” M.G.L. c. 89, s. 4B
Driving within eight feet of street car stopped for passengers M.G.L. c. 90, s. 14
Emergency vehicles, right of way M.G.L. c. 89, s. 7
Exhibit another license M.G.L. c. 90, s. 23
Failure to ascertain if it is safe to change lanes M.G.L. c. 89, s. 4A
Failure to keep to the right when turning right M.G.L. c. 90, s. 14
Failure to keep to the far left when turning on a one/two way street M.G.L. c. 90, s. 14
Failure to fasten a trailer to a tow vehicle with proper safety chains M.G.L. c. 90, s. 7
Failure to give proper stopping or turning signals M.G.L. c. 90, s. 14
Failure to keep in right lane M.G.L. c. 89, s. 4B
Failure to keep to right when view is obstructed up to 400 feet M.G.L. c. 89, s. 4
Failure to stop at sign or signal at intersection M.G.L. c. 89, s. 9
Failure to use child restraint M.G.L. c. 90, s. 7AA
Fire apparatus, driving within 300 feet if going to a fire M.G.L. c. 89, s. 7A
Fire apparatus, failing to pull to right and stop M.G.L. c. 89, s. 7A
Fire Department, interfering with M.G.L. c. 89, s. 7A
Flashing red traffic signal, failure to stop M.G.L. c. 89, s. 9
Hand signals, failure to give M.G.L. c. 90, s. 14B
Headlights, dimming from high beam M.G.L. c. 90, s. 31
Headlights, one half hour after sunset M.G.L. c. 90, s. 7
Headphones, wearing while operating M.G.L. c. 90, s. 13
Height, operating vehicle when elevated or lowered M.G.L. c. 90, s. 7P
Hit and run, person injured M.G.L. c. 90, s. 24
Hit and run, property damage M.G.L. c. 90, s. 24
Horn, operating without M.G.L. c. 90, s. 7
Ignition key, remove from unattended vehicle M.G.L. c. 90, s. 13
Improper passing M.G.L. c. 89, s. 1
Inspection sticker, failure to display M.G.L. c. 90, s. 20
Inspection sticker, operating without M.G.L. c. 90, s. 7A and M.G.L. c. 90, s. 20
Intersecting way, slow down when approaching M.G.L. c. 90, s. 14
Junior operator’s license, operating in violation of M.G.L. c. 90, s. 8
Learner’s permit, motorcycle, violation of M.G.L. c. 90, s. 8B
Learner’s permit, operating in violation of M.G.L. c. 90, s. 8B
License, Class 1-2-3 M.G.L. c. 90, s. 8A
License, operating when not properly licensed M.G.L. c. 90, s. 10
License, violation of restriction M.G.L. c. 90, s. 8
Lights, operating motor vehicle with improper lights M.G.L. c. 90, s.s. 7 & 16
Making a turn from the wrong lane of traffic M.G.L. c. 90, s. 14
Making a right turn on a red light where prohibited M.G.L. c. 89, s. 8
Meeting other vehicles, exercise due care when M.G.L. c. 89, s. 1
Mirrors and reflectors, operating without proper M.G.L. c. 90, s. 7
Motorcycle, operating without proper equipment, lights and headgear M.G.L. c. 90, s. 7
Motorcycle, no more than two abreast M.G.L. c. 89, s. 4A
Motorcycle, no passenger unless machine so designed M.G.L. c. 90, s. 13
Motorcycle, single file when passing M.G.L. c. 89, s. 4A
Negligently operating M.G.L. c. 90, s. 24
Not reasonably to right for vehicle approaching from the opposite direction M.G.L. c. 89, s. 1
Noise, offensive, unreasonable (squealing tires) M.G.L. c. 90, s. 16
Not slowing and keeping right of center on approaching intersection or corner where view is obstructed M.G.L. c. 90, s. 14
Not yielding to oncoming vehicles when making a left turn M.G.L. c. 90, s. 14
Obstructing emergency vehicle M.G.L. c. 89, s. 7
One way street M.G.L. c. 89, s. 10
One way street, left turn from M.G.L. c. 90, s. 14
Operating after suspension or revocation of registration M.G.L. c. 90, s. 23
Operating on a bet or wager M.G.L. c. 90, s. 24
Operating car not properly registered M.G.L. c. 90, s. 9
Operating in violation of license restrictions M.G.L. c. 90, s. 8
Operating at speed greater than reasonable or proper M.G.L. c. 90, s. 17
Operating, motorcycle without permanent seat M.G.L. c. 90, s. 13
Operating motor vehicle without liability policy M.G.L. c. 90, s. 34J
Operating, no driving on sidewalks M.G.L. c. 89, s. 1
Operating, obey traffic signs, signals, markings M.G.L. c. 90, s. 18
Operating on ways divided into lanes M.G.L. c. 89, s. 4A
Operating through peekhole in snow on windshield M.G.L. c. 90, s. 13
Operating unregistered car M.G.L. c. 90, s. 9
Operating without proper mirrors and reflectors M.G.L. c. 90, s. 7
Operator not to obstruct passing vehicle M.G.L. c. 89, s. 2
Parking lights M.G.L. c. 90, s. 7
Passing vehicle stopped for a pedestrian in a crosswalk M.G.L. c. 89, s. 1
Passing bicycles, slow down M.G.L. c. 90, s. 14
Passing, commercial vehicles, excess 21/2 tons (except busses) use right lane pass in adjacent lane M.G.L. c. 89, s. 4C
Passing, don’t obstruct passer M.G.L. c. 89, s. 2
Passing horses, use care M.G.L. c. 90, s. 14
Passing on right, unless vehicle being passed is (a) making a left turn, (b) on one way street, (c) on a divided highway c. 89, s. 2
Passing school bus when flashers are on M.G.L. c. 90, s. 14
Passing vehicle forbidden if view is obstructed for less than 400 feet M.G.L. c. 89, s. 4
Pedestrian, must slow down for M.G.L. c. 90, s. 14
Permitting operation by a person who has no legal right M.G.L. c. 90, s. 12
Racing M.G.L. c. 90, s. 24
Railroad crossing, failure to slow down M.G.L. c. 90, s. 15
Railroad crossing, failure to stop while lights are flashing or gate lowered M.G.L. c. 90, s. 15
Rear lights, must have M.G.L. c. 85, s. 15
Rear lights, operating without M.G.L. c. 90, s. 7
Red flag or light, rear of load M.G.L. c. 90, s. 7
Red flashing signal, stop M.G.L. c. 89, s. 9
Right of way, fire engines, patrol wagons, ambulances M.G.L. c. 89, s. 7
Right of way, pedestrian in a crosswalk M.G.L. c. 89, s. 11
Safety glass, operating or permitting operation without M.G.L. c. 90, s. 9A
School bus, drivers responsibilities M.G.L. c. 90, s. 7B
School bus, railroad crossing, must stop and open door M.G.L. c. 90, s. 15
School bus, speed limited M.G.L. c. 90, s. 17
School zone, speed limit M.G.L. c. 90, s. 17
Siren law M.G.L. c. 90, s. 16
Slow down to pass pedestrian M.G.L. c. 90, s. 14
Slow moving vehicles, keep right on upgrade M.G.L. c. 89, s. 4
Speed at railroad crossings M.G.L. c. 90, s. 15
Speed, bridges M.G.L. c. 85, s. 20
Speed, certain vehicles to operate five m.p.h. below speed posted M.G.L. c. 90, s. 17
Speed, decrease for special hazards (pedestrians, traffic, weather) M.G.L. c. 90, s. 17
Speed, failure to regulate when men and equipment are on road M.G.L. c. 90, s. 17
Speed, faster than posted M.G.L. c. 90, s. 17 and M.G.L. c. 90, s. 18
Speed, greater than reasonable and proper M.G.L. c. 90, s. 17
Speed limit 15 m.p.h. near vehicle peddling merchandise, when flashing lights M.G.L. c. 90, s. 17
Speed limits, thickly settled district, school zone M.G.L. c. 90, s. 17
Speed, special regulations M.G.L. c. 90, s. 18
Speed, school bus M.G.L. c. 90, s. 17
Stolen car, operating M.G.L. c. 90, s. 24
Stop before passing school bus M.G.L. c. 90, s. 14
Stop signs M.G.L. c. 89, s. 9
Street car, care in passing M.G.L. c. 90, s. 14
Street car, eight foot stopping law M.G.L. c. 90, s. 14
Television in operator’s view M.G.L. c. 90, s. 13
Throughways, right of way M.G.L. c. 89, s. 9
Tires too wide M.G.L. c. 90, s. 19
Traffic signals, flashing red is same as stop sign M.G.L. c. 89, s. 9
Tread depth, tires M.G.L. c. 90, s. 7Q
Turning improperly M.G.L. c. 90, s. 14
Unattended vehicle, stop engine, set brakes, remove key from switch and from vehicle M.G.L. c. 90, s. 13
Vehicles excluded area, operating or permitting one’s vehicle to be operated where posted M.G.L. c. 90, s. 16