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• Turn off equipment during nights and weekends, which is easier when all electric appliances and equipment are plugged into power strips. Even when not in use, appliances draw electricity. Shutting off electronics can cut energy usage by up to 75 percent. • Install automated thermostats and set temperatures so it will be comfortable when you are home and not as warm at night. • Ensure radiators and heaters are not blocked by furniture. • Add weather stripping to all doors and windows. • Turn off all lights when exiting rooms. • When purchasing new appliances or equipment, look for items that are Energy Star certified. • Replace flickering fluorescent light bulbs promptly and use thin tubes (T8) whenever possible because they use less energy and throw the same light as T12 tubes. • Attach low-flow aerators to sink faucets. • Repair leaky toilets and faucets. • Purchase water efficient washing machines, toilets and dishwashers. A s of November, the Massachusetts Registry of Motor Vehicles (RMV) stopped mailing driver's license renewal applications or reminders, making it the responsibility of Bay State drivers to remember to renew their driver's licenses before they expire. S o p l e a s e m a ke sur e you check and note when your license e xpires. If you are stopped by a police officer, or you are in an automobile accident while operating a motor vehicle with an invalid license, you can be cited and will face the related penalties. Under another new policy, legislation requires the RMV to suspend the driver's licenses and vehicle registrations of drivers who owe the state Department of Revenue (DOR) money. Suspension notices will be issued and drivers will receive a letter stating their 2 The knowledgeable agents at Deland, Gibson can explain the difference between term, whole, universal and variable life insurance and which kind of policy best meets your needs. DELAND INSURANCE A SSOCIATES, INC. GIBSON , , 36 Was hing ton Str eet We l les ley Hil ls, MA 0 2481 P 78 1.237.151 5 • F 781 .23 7.18 05 ww w.d elandgibs onin s.co m PMS 8 71 PMS 3 43 licenses and/or registrations will be suspended 10 days from the date of letter .There will be a 10-day grace period or driver's may face suspensions after the 10 days, if they fail to clear the tax obligation.There will be a $100 license reinstatement and/or $50 registration reinstatement fee. Payment of the reinstatement fee is in addition to any costs associated with clearing the issue with DOR. Customers with suspensions or pending suspensions due to delinquent taxes must resolve the matter by contacting the DOR's Collections Bureau at 617.887.6400. Effective April 1, 2009, the decision of accident fault will be determined by your insurance carrier per the Insurance Commissioner. Your auto insurance carrier will continue to send surcharge notices when they determine you are at fault in an accident. However, you will no longer be able to appeal the accident surcharge with the Board of Appeals. If you do not agree with your insurance carrier, you will need to discuss it with the individual noted on the surcharge appeal notice. Continued fr o m c o v e r DELAND INSURANCE A SSOCIATES, INC. GIBSON , , 36 Was hing ton Str eet We l les ley Hil ls, MA 0 2481 P 78 1.237.151 5 • F 781 .23 7.18 05 ww w.d elan dgibs onin s.co m PMS 8 71 PMS 3 43 E MPLOYEE N EWS Dan McDonald has joined the agency as an account executive. He has over 10 years of insurance experience. Prior to his new position at Deland, Gibson, he worked in the industry as a claims representative and as an account manager.A resident of Walpole, he enjoys participating in sports. R EGISTRY OF M OTOR V EHICLE AND A CCIDENT S URCHARGE C HANGES ------gc0p4Jq0M2Yt08jU534c0p Content-Type: audio/basic Content-Description: Parker re: budget (audio) ------gc0p4Jq0M2Yt08jU534c0p--