THE MALDEN ADVOCATE–Friday, December 24, 2021 Page 19 ~ LEGAL NOTICE ~ MALDEN PLANNING BOARD and MALDEN CITY COUNCIL ORDINANCE COMMITTEE PUBLIC HEARING The Malden Planning Board and Malden City Council Ordinance Committee will jointly hold a public hearing in the Herbert L. Jackson Council Chamber, Malden City Hall, 215 Pleasant Street, Malden, MA at 8:00 P.M. on Wednesday, January 12, 2022, in accordance with Title 12, Chapter 32, Section 050 of the Code of the City of Malden (MCC) (formerly known as Chapter 12 of the Revised Ordinances of 2020, as Amended, of the City of Malden), on the petition for zoning amendments, as proposed and further amended, in City Council Paper #405/2021, to further amend the following sections of Title 12, MCC, as follows: I. Site Plan Review (Title 12, Chapter 12): To amend by adding regulations to establish a Site Plan Review process in all zoning districts for educational or religious use of a building or structure with a gross floor area exceeding 10,000 square feet, whether the building or structure is existing, extended or new/constructed, and for educational or religious use of an existing, extended or new surface parking area exceeding 10,000 square feet. The full text of the proposed zoning amendment (City Council Paper #405/2021) is available for public review on the City of Malden website at https://cityofmalden.legistar.com/Legislation.aspx and with the City Planner, Inspectional Services, 3rd floor, and the City Clerk, 2nd Floor, 215 Pleasant Street, Malden, MA. By: Kenneth Antonucci, Clerk Malden Planning Board December 24 & December 31, 2021 ~ LEGAL NOTICE ~ MALDEN BOARD OF APPEAL PUBLIC HEARING The Malden Board of Appeal will hold a public hearing on Wednesday, January 19, 2022 6:30 pm Eastern Time (US and Canada), at Malden City Hall, 215 Pleasant St., Room #106 Herbert L. Jackson Council Chambers. Malden, MA on Petition 22-001 by Christopher G. Fallon on behalf of Benevolent Botanicals LLC dba Continuum for a variance of MCC 12.12.190 (F) (1) (c) - Location of a Marijuana establishment within 75 feet of a residential use - Title 12 of the revised Ordinances of 2020 as amended of the City of Malden - as per Plans CMID-040216-2021 at the property known as and numbered 926 Eastern Ave, Malden, MA and also known by City Assessor’s Parcel ID #127-433-306 Additional information, Petition & plans available for public review in the Office of Inspectional Services, 215 Pleasant St., 3rd floor, Malden MA or online at www.cityofmalden.org or https://permits.cityofmalden.org/EnerGov_Prod/SelfService Nathaniel Cramer, Chair December 24 & December 31, 2021 Carpenito Real Estate would like to wish your Family a Happy and Blessed Holiday Season and a Happy, Healthy and Prosperous New Year! Stay well and Stay safe. 335 Central Street, Saugus, MA 01906 (781) 233-7300 View all our listings at: CarpenitoRealEstate.com View the interior of this home right on your smartphone. By: Craig Spadafora, Chair Malden City Council Ordinance a y avvy S iorenniiooro a avvyavvy iori n r by Jim Miller How Older Drivers Can Save on Auto Insurance Dear Savvy Senior, Can you provide any tips to help seniors reduce their auto insurance premiums? I just got hit with a 15 percent increase on my car insurance and am looking for ways to save. Fixed Income Frank Dear Frank, Unfortunately, auto insurance rates went up signifi cantly over the past year as the pandemic eased and more Americans got back on the roads. But there are plenty of ways to cut your premium. To fi nd out what discounts may be available to you, contact your auto insurer and inquire about these options, and any others that may benefi t you. Low mileage discount: Most insurers off er discounts to customers who drive limited miles each year, which is usually benefi cial to retirees who drive less because they don’t commute to work every day. These discounts usually kick in when your annual mileage drops below 7,000 or 7,500, which is signifi cantly less than the typical 12,000 miles most Americans drive a year. Drivers Ed discount: Many states require insurance companies to off er defensive driving discounts – between fi ve and 15 percent – to drivers who take a refresher course to brush up on their safety skills. These courses, off ered by AAA (aaadriver.online/register/roadwise) and AARP (aarpdriversafety.org), cost $20 to $30 and can be taken online. Monitored driving discount: Many insurance providers off er discounts based on how and when you use your car. To get this, the insurer would provide a small monitoring device that you would place in your car to track things like your acceleration, braking habits, driving speeds, phone use and when you drive. Drivers are rewarded between 10 and 50 percent for safe driving and for not driving late at night. In addition, many insurance providers also off er discounts to drivers who do not have any violations or accidents for three or more years. Membership discounts: Organizations that you belong to can also lower your insurance premium. Insurers off er discounts through professional associations, workers’ unions, large employers or membership organizations such as AAA, the National Active and Retired Federal Employees Association, AARP, etc. You could even qualify for savings based on the college you attended or the fraternity or sorority you belonged to decades ago. Bundle policies: If your auto policy is issued by a diff erent company from the one insuring your life or home, call each insurer and ask if bundling the policies would be cheaper. Improve your credit: You may be able to lower your car insurance premium by paying your bills on time and reducing the amount of debt you carry. Insurers look at how their customers manage credit to get an idea of risk and to price policies. Better rates are given to those with good credit scores, typically 700 or above. Increase your deductible: While it’s not right for everyone, paying a higher deductible could save you big on premiums. For example, raising your deductible from $200 to $500 could reduce the cost of your collision and comprehensive coverage by 15 to 30 percent. Going to a $1,000 deductible could save you 40 percent or more. Consider your car model: If you’re shopping for a new vehicle, call for an insurance quote before you decide what to buy. Some vehicles are safer and cost less to repair than others. Insurance companies collect data about each make and model and use it to determine how much to charge customers. Comparison shop: To fi nd out if your current premium is competitive with what other insurers charge, or to help you look for a diff erent provider you should comparison shop. Online brokerages such as CarInsurance.com, TheZebra.com and QuoteWizard.com let you plug in basic details – such as your age and your car’s make, model and year – to compare rates from insurance companies. 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.
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