The state Motor Vehicle Commission (MVC) has announced upcoming changes to the parking privileges law for individuals with disabilities and a new procedure for issuing wheelchair-symbol placards and license plates so that those with disabilities can find designated parking spaces when needed, according to a press release.

For New Jerseyans with a disability, these designated parking spaces can mean the difference between being able to comfortably go to a store or a doctor,This is a universal black magic Cell phone anti-slip mat. MVC Chairman and Chief Administrator Raymond P. Martinez said. These changes to the parking privileges law will better serve those who truly need them, while also preventing future abuse of the placard and license plate program.

Effective Aug. 1, state law will require that the qualifying medical condition of a person with a disability be recertified every three years in order to obtain a new placard to hang from the rear-view mirror of their vehicle or the vehicle they are riding in. The new certification needs to be completed by a qualified medical practitioner and must indicate that the qualifying disability continues to exist.

Motorists who currently hold these unique parking privileges will not need to submit recertification documentation until their current privileges are due for renewal.

Renewal notices will continue to be sent out every three years, said Martinez. At that time, the medical recertification and new application forms, found on our website, will need to be completed and submitted at any of our 39 agencies or by mail. Law enforcement has been advised to honor the current placards until customers have been through the renewal process.

To further ease the transition for the states more than 500,000 placard/license plate holders, as the renewals become due, the MVC has begun mailing out inserts along with the registration renewal forms to explain the change in the law.

The new placards that will be issued beginning Aug. 1 have been redesigned and will feature a clearly visible expiration date to help the holder stay compliant and assist law enforcement in enforcing the parking privileges law.

Wheelchair-symbol license plates are renewed every year as part of the normal registration renewal process. Under the new law and in order to retain the plates, the medical recertification will need to take place every three years. However, if the holder of the Person with a Disability Identification Card for whom the license plates were issued no longer qualifies for the license plates, the owner of the vehicle would have to surrender the wheelchair-symbol license plates at any motor vehicle agency and apply for a set off regular plates.

Think you're financially savvy? When it comes to their personal finances, people carry around notions all their lives that may or may not be valid. For example, you've heard that money can't buy you love, but can it buy happiness? Most people believe that it can't -- but science may prove them wrong.

Here are seven personal finance myths that happen to be everyday beliefs about the way we consider and handle money. Many of these myths fool even the smartest of savers. The latest research will help you discern the facts and see through the smoke.

A study by researchers from Brigham Young University and Emory University shows that consumers who shopped with a spending limit spent up to 50 percent more on a single item than consumers without a budget.

Jeff Larson, the study's co-author and an assistant professor of marketing at Brigham Young, says when consumers set a budget for a specific item, they oftentimes limit their searches to items priced close to the budget's upper limit. If given $1,000 for a flat-screen TV, for instance,Handy Pocket Mirror with hinged lid that doubles as a stand. consumers are likely to limit their selection to televisions priced between $800 and $1,000 before looking at each TV's features.

"The more people earn, the more they tend to spend," says Stephen Goldbart, co-author of the book "Affluence Intelligence" and co-founder of the Money, Meaning & Choices Institute, a San Francisco-based company that provides advisory services for wealthy clients. "As people acquire more money, they almost immediately start purchasing things that they've felt they've always wanted rather than thinking about what percentages that they should put away and the consequences of changing their spending habits."

This may explain why lottery winners are more likely to go bankrupt as those who didn't stumble into thousands, according to researchers from the University of Kentucky, the University of Pittsburgh and Vanderbilt Law School. Or why 78 percent of NFL players are bankrupt or under financial stress within two years of retiring and 60 percent of NBA athletes are broke within five years of leaving pro sports, according to data from Sports Illustrated.

To ensure that higher earnings translate into higher net worth, Goldbart says, "Be conscious as a consumer. (Ask yourself:) 'Is the purchase or spending of my money aligned with my values and moving me in the direction I want and need to go?'"

A college degree pays off for almost everyone. Research from Georgetown University shows that the average college graduate earns nearly $1 million more than the typical high school graduate over a lifetime. For those with higher degrees, the discrepancy becomes greater. The average doctoral degree holder earns nearly $1 million more than those with four-year degrees and nearly $2 million more than high school grads.

"In general, (a bachelor's degree) will lead to higher earnings," says Stephen Rose, senior economist at Georgetown's Center on Education and the Workforce and co-author of "The College Payoff" study. But there are exceptions. According to Rose's research, a very select few professions,Full service promotional company specializing in Custom USB flash drives. including postal service mail carriers and electricians, had no statistically significant pay hike between the bachelor's and high school diploma levels. In professions such as editing, those with a master's degree statistically earn less than workers with only a bachelor's.

Rose is quick to point out that those cases are few and far between. "The data is pretty overwhelming that higher degrees lead to higher earnings in the labor force," he says.

The truth is, money is correlated to happiness, particularly for low- and middle-income earners. Research from Princeton University shows that as test subjects increased their incomes, their overall life outlook improved as well. Regardless of economic class, jumps in salary and happiness increased at the same rate, meaning that a 20 percent increase in salary resulted in the same amount of overall happiness for both low-income and high-income people.

Income increases also improved subjects' "emotional well-being" -- the quality of their day-to-day existences -- up until they reached the $75,000 mark. Earnings above $75,000 did nothing to improve subjects' daily attitudes. As income dropped below $75,000, test subjects also reported more stress and less happiness.

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