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Pensions vs. classrooms: Rising retirement costs are squeezing Massachusetts education – The Boston Globe

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Pensions vs. classrooms: Rising retirement costs are squeezing Massachusetts education – The Boston Globe


While standardized test scores of Massachusetts students are still mostly below pre-COVID-19 pandemic levels, one education statistic that keeps rising is the cost to the state of funding teachers’ pensions.

In a new report on pension costs across six populous states including Massachusetts, we found that in the Bay State, 14 cents of every tax dollar dedicated to associated education spending went to pensions in 2022. That’s up from 9 cents in 2015 and far above the 8 cents forked over by taxpayers in our runner-up state, California.

Despite this increase in resources, the financial strength of the Massachusetts Teachers Retirement System hasn’t improved. Over this period, the percentage of assets the fund has relative to the value of its pension commitments remained consistently low, increasing from just below 57 percent to just below 58 percent.

Yes that’s right, MTRS has less than 58 cents saved for every dollar it owes, even under its assumption of a 7.15 percent return on investments every year. To put that in perspective, MTRS would consider a $100,000 payment due in 10 years as “fully funded” if it had just over $50,000 in its account today. And yet, this eye-popping increase in cash has barely kept MTRS treading water. This means that without policy reforms, Bay State taxpayers will probably pay an increasingly hefty bill.

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While the MTRS funding ratio and contribution increases are worse than its peers, these trends reflect a nationwide problem. Public pensions when properly measured are underfunded to the tune of $5.12 trillion, and the cost burden on state and local governments is increasing.

To understand how the contribution increases impact education, consider that Massachusetts’ current education budget for fiscal 2024 is $7.95 billion. The fact that pension contributions have increased by 5 percentage points translates into $398 million per year of additional money going into the fund than if the share had remained at its 2015 level.

This means that the state has $398 million fewer dollars per year to dedicate to important expenditures such as salaries for new teachers, classroom resources, or support services such as counselors, technicians, or librarians.

State revenues generally rise of course, as they have in recent years, giving the state more money at its disposal to offset these increases. For example, while pension contributions per pupil in Massachusetts have risen by 109 percent since 2015, revenues per pupil have increased by 21 percent, softening the blow.

Yet this pace of revenue growth is not guaranteed. While Massachusetts fiscal 2025 budget foresees a $2 billion or roughly 3.5 percent spending increase, the incremental revenues are coming mostly from the significant Fair Share tax increase. Money to fund education, pensions, and other public priorities does not grow on trees. It comes out of taxpayers’ pockets.

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Massachusetts officials could address the pension challenge through one key policy change: moving new employees from traditional defined benefit plans to defined contribution plans similar to 401(k)s.

Current teachers typically receive pensions based on a formula that uses a series of inputs including employees’ salaries, the ages of the employees, and the number of years of employees’ service. If an employee leaves their job, pension benefits are reduced or lost.

401(k)-type plans conversely require the state to contribute a flat percent of pay to a tax-deferred account as long as the employee is working in the job. Employees who leave the job can take their full accumulated retirement savings with them, and the state avoids the creation of more long-term obligations.

The mobility of 401(k)-type plans could attract more young people to the teaching profession, since they often prioritize flexibility early in their careers. While public sector defined benefit plans tend to be more generous than private sector 401(k) plans, that difference can be reduced by offering higher employer contributions. This setup would vastly improve the state’s finances while ensuring that retirement contributions do not continue to consume ever-increasing shares of education budgets.

Ultimately the burden of pension contributions will threaten the Commonwealth’s ability to remain a national leader in education. It would serve the state and its valued teachers well to move to a more sustainable model for retirement benefits before it’s too late.

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Joshua Rauh is a professor of finance at the Stanford Graduate School of Business and senior fellow at the Hoover Institution. Gregory Kearney is a senior research analyst at the Hoover Institution.






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Massachusetts gas prices slightly declined from last week. Here’s how much.

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Massachusetts gas prices slightly declined from last week. Here’s how much.


State gas prices slightly declined for the second consecutive week and reached an average of $2.86 per gallon of regular fuel on Monday, down from last week’s price of $2.88 per gallon, according to the U.S. Energy Information Administration.

The average fuel price in state declined about 8 cents since last month. According to the EIA, gas prices across the state in the last year have been as low as $2.86 on Jan. 5, 2026, and as high as $3.11 on Sep. 8, 2025.

A year ago, the average gas price in Massachusetts was 3% higher at $2.95 per gallon.

>> INTERACTIVE: See how your area’s gas prices have changed over the years at data.southcoasttoday.com.

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The average gas price in the United States last week was $2.80, making prices in the state about 2.3% higher than the nation’s average. The average national gas price is slightly lower than last week’s average of $2.81 per gallon.

USA TODAY Co. is publishing localized versions of this story on its news sites across the country, generated with data from the U.S. Energy Information Administration. Please leave any feedback or corrections for this story here. This story was written by Ozge Terzioglu. Our News Automation and AI team would like to hear from you. Take this survey and share your thoughts with us.



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Massachusetts police watchdog decertifies five former officers

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Massachusetts police watchdog decertifies five former officers


The state commission charged with oversight of Massachusetts police decertified five former officers from around the state, including a former deputy police chief convicted last year of raping a teenage girl while serving as a school resource officer.

Former Hopkinton Deputy Police Chief John “Jay” Porter was convicted in June of conducting a sexual relationship with a 15-year-old student off-campus between 2004 and 2005. He was sentenced to seven years in prison.

Porter’s decertification last month by the Massachusetts Peace Officer Standards and Training (POST) Commission means he, along with the other four decertified officers, will be permanently prohibited from serving as police officers in the state. The decertifications bring the total to 75 since the POST Commission was created in 2020.

The woman in Porter’s case did not come forward to report the assaults until 2022, MassLive previously reported. The Middlesex County District Attorney’s Office said previously the student often sought support from Porter when she was in the 9th and 10th grades, but their relationship changed when she was 15, “going from a trusted adult and student to a flirtatious, then sexual one.”

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The case also implicated former Hopkinton Police Sgt. Timothy Brennan, who was fired from the department for not reporting Porter to law enforcement after the victim confided in him about the assaults. She first informed Brennan of her inappropriate relationship with the former deputy chief in 2017 and told him not to report Porter, saying she would deny the information if he did so. She ultimately came forward to the district attorney’s office at his encouragement.

According to the decertification order released Dec. 19, Porter did not respond to mailings from the commission or defend himself against its allegations.

The commission redacted information from its decertification order detailing the misconduct allegations against Porter. In past cases, the board has redacted information covering criminal charges against officers or their personal information.

State Police Trooper Calvin Butner

Retired Massachusetts State Police Trooper Calvin Butner of Halifax was also decertified in December after he pleaded guilty last year for his role in a bribery scheme to provide Commercial Driver’s License credentials to unqualified applicants.

Between May 2019 and January 2023, authorities say, Butner and three others within the State Police Commercial Driver’s License (CDL) Unit, which is responsible for administering CDL skills tests, agreed to give passing scores to at least 17 applicants, regardless of whether they passed the test. In exchange for the passing grades, the troopers involved in the scheme received thousands of dollars in gifts and services, MassLive previously reported.

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Authorities say Butner gave passing scores to three people who failed the test and five who did not take the test at all. He was sentenced in August to three months in federal prison followed by one year of supervised release, with the first three months in home confinement.

Butner did not respond to the POST Commission’s communications or defend himself.

Hull Police Sgt. Scott Saunders

Scott Saunders, a former Hull Police Department sergeant, was also decertified in December, and the related decertification order was redacted. Saunders was charged in 2023 with assaulting his 72-year-old neighbor, with whom he had a reported history of disputes. The case in Plymouth District Court was continued without a finding in August, allowing it to be dismissed if Saunders meets the conditions of probation.

The neighbor told the media at the time that Saunders hit his car with a paddleboard as he drove past him that day. When the neighbor got out of the car to confront the sergeant, he said Saunders pushed him down and punched him.

The Hull Police Department immediately placed Saunders on leave after the incident.

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Saunders did not respond to the POST Commission’s communications or defend himself. MassLive was unable to contact Saunders for comment.

Greenfield Police Officer Christopher Hewitt

The reasons behind the decertification of former Greenfield Police officer Christopher Hewitt are unclear. Much of the commission’s December decision was redacted.

The POST website cites a section of Massachusetts General Laws that says, “The commission shall immediately suspend the certification of any officer who is arrested, charged or indicted for a felony.”

Hewitt also did not respond to the commission’s allegations against him. MassLive was unable to contact Hewitt for comment.

Peabody Police Officer Gerald Fitzgerald

The final officer decertified last month, Gerald Fitzgerald, formerly of Peabody Police Department, signed an agreement with the commission to have his certification permanently revoked and waive his right to contest the facts of his decertification in the future.

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Fitzgerald was accused of falsifying an incident report from a November 2023 armed robbery by writing that a female suspect had assaulted two people at the restaurant where the robbery took place.

After being instructed by a supervisor to review the surveillance footage from the incident to verify his account, Fitzgerald said he had done so and added more information to the report.

Another detective who later viewed the footage determined the allegations that led to the assault charges against the female were false. Fitzgerald admitted he had not watched the entire footage as instructed, and the assault charges against the suspect were dropped.

According to the decertification agreement, Fitzgerald had previously faced disciplinary action on four occasions since 2015 for missing court dates, not completing required training and showing up to firearms training while intoxicated.

Stoughton Police Deputy Chief Robert Devine

The POST Commission voted last month to decertify Robert Devine, a former Stoughton deputy police chief accused of misconduct involving Sandra Birchmore, MassLive previously reported.

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Birchmore, who was 23 and pregnant, was found dead in her Canton apartment on Feb. 4, 2021. Her death was initially ruled a suicide, but on further investigation, it was ruled a homicide. Former Stoughton Police Officer Matthew Farwell has since been charged federally with killing Birchmore to hide a sexual relationship they began after she joined a police youth program as a teenager.

The commission accused Devine, who oversaw the program, of coordinating a “sexual encounter” with Birchmore while he was on duty in December 2020. He has not been charged criminally in connection with the case and denied the POST Commission’s claims against him.

State lawmakers established the oversight commission in 2020 after the murder of George Floyd by a Minneapolis police officer.

The nine-member board, appointed by the governor and attorney general, has broad power to set standards that all law enforcement agencies and officers in Massachusetts must abide by and to investigate and decertify police officers accused of misconduct.

Many of the officers it has decertified have been convicted of criminal charges, automatically leading to the loss of their certifications. However, the commission can also decertify officers it finds liable for egregious but noncriminal misconduct.

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The commission reports the names of decertified officers to a national registry, a move intended to alert departments in other states to their troubled histories.

If you are a victim of sexual assault, you are not alone.

Rape Crisis Centers in Massachusetts offer free, confidential services for adolescent and adult survivors as well as their loved ones.

Crisis centers operate a 24/7 toll-free hotline for phone counseling, questions and referrals. For a full list of regional crisis centers, click here.

  • SafeLink offers a 24/7 toll-free hotline:
    • (877) 785-2020
    • (877) 521-2601 (TTY)



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A 5,000-square-foot solution to the Massachusetts housing crisis – The Boston Globe

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A 5,000-square-foot solution to the Massachusetts housing crisis – The Boston Globe


Andrew Mikula is chair of the Legalize Starter Homes ballot committee.

I came across Baxter Village after a Google Maps perusal of one of the country’s fastest-growing regions. Completed in 2014 and billed as a “traditional neighborhood development” with a walkable town center and intimate, tree-lined residential streets, the village is downright idyllic. The architecture is clearly inspired by early 20th-century New England — a Norman Rockwell-style vista of homes with raised front porches, wood clapboard siding, steep roofs, and dormer windows.

But Baxter Village isn’t located in New England. It’s in South Carolina, about 15 miles south of Charlotte.

The reality is that 15 miles outside of Boston, Worcester, or Lowell, Baxter Village would almost certainly be illegal, for a variety of reasons. First, the development’s home lots are small, often only slightly larger than a basketball court. Local zoning codes in suburban Massachusetts frequently preclude such small lots, and New England in particular has high minimum lot-size requirements for new homes, compared to most of the country.

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Given that Massachusetts has the nation’s toughest home buying market for young adults, many voters are open to reducing these lot-size minimums. A May 2025 Abundant Housing Massachusetts/MassINC poll found that 78 percent of Massachusetts voters support “allowing homes to be built on smaller lots,” and 72 percent support allowing the subdivision of large lots into smaller lots. Doing so would open up more housing options in the suburbs, creating opportunities to build smaller, lower-cost homes suitable for first-time buyers and downsizing seniors, colloquially called “starter homes.”

That’s why 12 housing experts — urban planners, academics, land use attorneys, and advocates — and I recently filed a petition with the Massachusetts attorney general’s office that would make it legal to build on lots about the size of a basketball court (5,000 square feet) statewide. As long as the lot has access to public sewer and water service, as well as a 50-foot border with the street, the site could host a single-family home, although it may be subject to other regulations like wetlands protections and limits on short-term rentals.

Our committee — Legalize Starter Homes — cleared the first signature-gathering hurdle needed to place this measure on the ballot this year, and Secretary of State William Galvin’s recent certification has advanced this potential ballot question to the next step in the process.

Research has shown that Massachusetts’ large minimum lot-size requirements increase home prices and reduce new production. One Harvard study found that in Greater Boston, a quarter-acre increase in the minimum lot-size requirement was associated with 10 percent fewer homes permitted between 1980 and 2002. Separately, a 2011 study found that Eastern Massachusetts minimum lot-size requirements can increase home prices by as much as 20 percent or more and that these price effects tend to increase over time.

Other states have acted on such facts amid a nationwide housing crunch. In June, Maine capped minimum lot sizes in “designated growth areas” statewide at 5,000 square feet when served by public sewer and water systems. This is remarkable given that Maine has both a less severe housing shortage than Massachusetts and a much larger volume of undeveloped, inexpensive land.

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The Massachusetts Legislature has tried to enhance the production of starter homes before, offering incentive payments under Chapter 40Y to municipalities to adopt new zoning districts that allow for them. But more than three years after Chapter 40Y was enacted, the state has yet to finalize regulations that would allow for these zoning districts to be created. Meanwhile, builders struggle to justify much new construction given high interest rates, tariffs on building materials, and labor shortages in the trades.

Our ballot petition creates a framework for allowing starter homes that is more easily implemented and doesn’t require municipalities to adopt new zoning. And unlike the MBTA Communities Act, it would solely allow for the creation of single-family homes, most of which would probably be owner-occupied.

Recent public polling data, research findings, precedents in other states, and the urgent and extreme nature of Massachusetts’ housing shortage all suggest that now is the right time to limit minimum lot sizes in places with sufficient infrastructure for new housing. The result could be a far-reaching expansion of opportunity for a new generation of homeowners in Massachusetts.





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