What's the Deal With All of Those Signs Posted at the Swimming Pool

My kids get a laugh from time to time when they notice the sign at the public swimming pool that states, "Persons having currently active diarrhea or who have had active diarrhea within the previous 14 days shall not be allowed to enter the pool water." 

The thought comes to mind, should one have had this issue, how many people would actually remember if it was within the last 14 days. Heck, I can't even remember what I ate for breakfast yesterday and what I watched on TV last Sunday.

But the sign is well intended as waterborne disease is no laughing matter. Waterborne disease outbreaks in pools have often been caused by individuals with recent diarrhea; chlorine doesn't always take care of removing the viruses or parasites that can come from those with recent symptoms.

The requirement for this and other community pool signs comes from California Building Code Chapter 31B "Public Pools," Section 3120B "Required Signs."

Section 3120B.11 "Diarrhea" indicates the sign must have letters at least 1 inch high, clearly states what is noted above, and is posted at the entrance area of a public pool. Public pools include municipal/park district pools, hotel pools, water parks, swim schools, homeowner shared pools, apartment pools, campground pools, etc. One is thus not required to post this sign at your home pool (unless you really want to).

CDC ADVICE TO PREVENT INFECTIONS FROM PUBLIC SWIMMING POOLS

According to this source, the diarrhea sign and a variety of other pool signs were put into law in late 2012. Some examples of other public pool sign requirements include:

• "No Diving" sign for pools with maximum depth of 6 feet or less

• "No Lifeguard" sign when applicable

• Emergency sign with 911 and nearest emergency services

• "No use after dark" sign for pools without lighting

• Artificial respiration and CPR sign

• Pool user capacity sign (1 person per 10 sq ft in spa; 1 person per 20 sq ft in pool)

So you've learned something new. If you'd like to read the entire 28 pages of Chapter 31B of the California Building Code, or any of the Code for that matter, visit www.bsc.ca.gov/Codes.aspx.

DOZENS OF VENTURA COUNTY AREAS SWIMMING POOLS AND WATER PLAY PLACES

How to Be Coyote Aware in the Conejo Valley and Greater Ventura County

Living in the Conejo Valley, surrounded by thousands of acres of open space, most of us come into contact with coyotes from time to time. Coyotes are a vital component of rural and urban communities, deserving of respect for their adaptability, resilience and intelligence. Below are some tips on coyote awareness, courtesy of Project Coyote.

Facts:

• Coyotes are members of the dog family; they are curious, adaptable, and learn quickly.

• Coyotes often mate for life, are devoted parents, and are highly communicative (barks, yips, howls).

• Coyotes weigh 18-35 pounds in the West.

• Coyotes may be more protective of dens/territories during pup rearing (April-Aug).

• Coyotes eat large numbers of rodents and rabbits, as well as fruit, vegetation, insects and carrion. They help keep ecosystems vital, healthy and clean.

• Coyotes are naturally wary of people but can habituate to our presence and the reliable food sources that we provide.

Safety:

• DON’T FEED COYOTES. Their life and your safety depend on coyotes remaining wild and naturally wary of people.

• Remove attractants; pick up trash, secure garbage, and feed pets inside. Don’t leave food or pets outside at night.

• Walk dogs on leashes, especially during pup rearing season (April-Aug). Pick up your small dog if you see a coyote and don’t let pets roam.

• If approached, don’t run. Wave arms, make noise and walk toward the coyote until he retreats. Be “Big, Bad and Loud.”

• Avoid areas where coyotes may be denning or feeding/hiding pups.

• Appreciate coyotes from a distance. Share this information with family and friends.

Additional information found on the City of Calabasas website at www.cityofcalabasas.com/government/public-works/environmental-igr-division/living-with-coyotes-in-calabasas.

Should I Start Collecting Social Security Benefits Before Reaching Full Retirement Age?

Full Retirement Age (FRA) was 65 for many years. Congress passed a law in 1983 to gradually increase FRA to reflect increasing lifespans. FRA currently ranges from 65 for those born before 1943 to 67 for those born in 1960 or later. At what point should you start taking Social Security payments?

You can also start receiving Social Security benefits as early as age 62, but your monthly benefit would be reduced anywhere from 25 to 30% as a result. See www.ssa.gov/benefits/retirement/planner/agereduction.html for more information on how much you would receive, based on your year of birth.

You can also delay receiving Social Security beyond your FRA, up until age 70. The benefit to doing this is that your benefits are increased anywhere between 5.5% to 8% per year. See www.ssa.gov/benefits/retirement/planner/delayret.html for more information.

Let’s look at a simple example:

Conejo Joe was born in 1960 and thus turned 62 in 2022. His FRA is 67. His full retirement benefit is, say, $1,000 per month. If he chooses to start receiving payments at age 62, they would be reduced by 30%, to $700 per month. If he chooses to delay receiving benefits until age 70, they would increase by 8% per year over 3 years, to $1240 per month (ignoring increases for inflation).

If Conejo Joe started receiving $700 per month at age 62, by the time he reaches age 70 he would have received $58,800 (ignoring inflation increases). If he waited until age 70, he would receive $1240 per month, or $540 per month more than starting benefits at age 62. It would take him about 9 years to make up the gap.

But if Conejo Joe had other income or continued working at age 62, up to 85% of those $700 per month Social Security payments could be taxed at the federal level (most states, including California, do not tax Social Security benefits). Those taxes should be factored into the decision as to whether he should delay receiving benefits.

If Conejo Joe started taking Social Security at age 67, he would receive $1,000 per month. So by the time he reaches age 70, he would have received total payments of $36,000 (again, ignoring inflation). Had he waited until age 70, he would receive $1240 per month, or $240 more than the FRA benefits he received for the last three years. It would take him 12 1/2 years to make up the $36,000 gap. So if he anticipates living until at least age 82 1/2, in theory it makes sense to wait until age 70 to collect benefits, if possible.

Everyone’s situation is different. Some folks really need the payments early. Others can wait because they are still working. Visit www.ssa.gov for more information and talk to your financial planner and/or CPA for guidance.

One final point. The Social Security Administration says “If you decide to delay your benefits until after age 65, you should still apply for Medicare benefits within three months of your 65th birthday. If you wait longer, your Medicare medical insurance (Part B) and prescription drug coverage (Part D) may cost you more money.

State of California Smog Check Program Requirements

I was about to renew my auto registration online as I’ve done mindlessly for many years, until I looked more carefully at the notice and I read the dreaded “STOP: SMOG Certification Required” imprinted near the top of the notice. I’ve owned the minivan for eight years and wondered, why NOW!?

The California Smog Check Program has been in place since 1984.and is administered by the Bureau of Automotive Repair, or BAR. BAR licenses independently owned smog check stations throughout the state.

THE BASICS

The BAR indicates a smog check is required EVERY OTHER YEAR as part of the vehicle registration process. It is also required when a vehicle changes ownership or when it is registered for the first time in California.

Every other year? That can’t be, because this was the first time I’ve been asked to do a smog check in the eight years since I owned the car, right?

The BAR goes on to explain that gasoline-powered vehicles, hybrid vehicles and alternative-fuel vehicles that are model year 1976 and newer require a smog check, with the following exceptions:

• Eight model years and newer do not require a biennial smog check.

• Four model years and newer do not require a change-of-ownership check.

In English, this means you need to add 8 to the model year of your vehicle to determine when you need to start doing biennial, or every other year, smog checks. For example, my 2014 minivan needs a smog test starting in 2022. And if I purchase a used 2018 vehicle in 2022, it would be subject to a smog check.

SMOG CHECKS ARE NOT REQUIRED FOR:

• 1975 or older vehicles

• Eight model years or newer vehicles

• Four model years or newer vehicles changing ownership

• Electric vehicles

• Motorcycles

• Tricycles (OK, I decided to throw this in to make sure you were paying attention.)

• Diesel vehicles model year 1997 and older

• Diesel vehicles with a gross weight of over 14,000 pounds

OTHER

Wait a second, my 2014 minivan is eight years old. Why this year, not next year, for the first smog check? Because the state assumes that model years are released in the calendar year prior to a vehicle’s model year. So regardless whether I purchased my brand new 2014 minivan in 2013 or 2014, it is assumed to be one model year old in 2014. That means, it is theoretically turning nine model years old in 2022. Hence, the need for a smog check for the first time in 2022.

If your smog check passes, hurray! The smog “certificate” is electronically submitted to the DMV and you are on your way to renew your vehicle registration. If it fails the test, you need to get it fixed, or you can visit a “smog check referee” for a second opinion.

“But I don’t want to get a smog check!” Well, then buy an electric car or a model 1975 or older car. Or buy a new car before your car turns eight model years old. Or move to a state like Alabama that doesn’t require emissions testing.

My Experience Renewing my Driver’s License and Getting a REAL ID Card

In 2020 I received a driver’s license renewal notice from the California DMV. I received the renewal notice four months prior to the expiration date. The notice indicated that my last two renewals had been by mail and that the upcoming renewal required me to renew at a DMV office.

I wondered why they were requiring me to go into a DMV office to renew the license this time. According to the DMV, in order to renew by mail, you must provide your Social Security number and be under 70 years old when your current license expires, and answer “no” to all of the following questions:

1. Have your last two licenses been renewed by mail?

2. Has your license been expired for over one year?

3. Does your license expire more than 60 days from today?

4. Are you currently on any type of driving probation?

5. Are you changing or correcting your name?

6. Do you have a driver’s license from more than one state or jurisdiction?

7. Within the past two years, were you convicted of any vehicle code moving violations, did you fail to appear in court for any vehicle code moving violation, were you suspended for DUI or refuse or fail to complete an alcohol screening test or have you been at fault in one or more collisions?

OK, no problem, it is what it is.

The renewal notice first required me to complete an application online at www.dmv.ca.gov.

To complete the application, you must create an Online Service account on the DMV website. They require a two-factor authentication to prove your digital identity, which means you’ll need an email address as well as a way to receive a text message or phone call for a six-digit confirmation code. If you do not want to do this at your phone or computer, you can do it on a terminal at a DMV office.

After you create the account, you will need to confirm your name, address, Social Security number (if applicable) and the type of card you are applying for. They will also ask if you want to register to vote and if you want to be a registered organ and tissue donor; however these will not be completed until you visit a field office to complete the registration process.

So after completing the application, which was actually quite painless and quick, you will receive a confirmation code. Bring the code to the DMV office to continue the license renewal process.

The next stop is scheduling an appointment. For me, this was the broken step. There’s a link provided to make an appointment. You select an office and look for a time. I searched five different DMV offices and there were absolutely no times available. But as one might expect, the appointment system did not give any hints as to other DMV offices with available openings, nor did it show the “next available” day and time. For me, this was an exercise in futility. Truly a glitch in the system when you have to spend hours attempting to schedule an appointment online…to save time.

So instead, I drove to the Thousand Oaks DMV office at 8am on a Tuesday morning.

This was a great move. No line! No hassle!

Awaiting my turn at the Thousand Oaks DMV.

I had all the documentation with me, including the renewal form and $36 renewal fee.

But I decided to up the ante and upgrade my license to the REAL ID card. The REAL ID card is a federally-mandated card that, unless you prefer to carry your passport with you, will be required to board domestic airline flights or access some federal facilities beginning May 3, 2023 (originally October 1, 2020…it has been extended several times due to the pandemic). May 7, 2025 (extended another two years on 12/5/22).

So for example, on May 3, 2023 you have a flight from Burbank to Vegas. If all you have is your standard driver’s license, they won’t let you fly; you’ll need either the REAL ID or a U.S. passport even for a domestic flight. MORE ON REAL ID

The key is being prepared. I was prepared for REAL ID. There’s an online checklist at www.dmv.ca.gov/portal/driver-licenses-identification-cards/real-id/how-do-i-get-a-real-id/real-id-checklist that includes the following:

1. Proof of identity – such as U.S. passport or passport card, certified, copy of U.S. birth certificate, etc.

2. Full name^ – if your true full name is not listed on the identity document, you will need to provide a document that shows that.

3. SSN – you need to prove your SSN by showing a Social Security card, W-2 or other items.

4. Where do you live – you will need two different documents showing your current address, such as utility bills, medical documents, mortgage bill, etc.

With all of the above in hand, plus a backup document. I showed the documentation at the front counter after waiting briefly in a line. The clerk was impressed with my organizational skills. On to the next step in the process.

^ As additional clarification, if your current name is different than your maiden name, bring documentation showing your name change(s) - e.g. marriage certificates or other original or certified documentation showing the name change.

They gave me a number. The line was extremely short on a Tuesday morning (though when I was done around 9:15 am, there was quite a few more people waiting). After about 10 minutes, my number was called.

I went to the counter and told the clerk that I was there to renew my license and to migrate to the REAL ID. She asked for all my documents. She reviewed them, taking photos of most of them as I recall. She also had me provide a thumbprint. All digital. No ink involved.

After just a few minutes’ wait, the next step was a vision test. I passed!

Next up, photo time. She sent me to the photo guy and told me to come back when done. There was no line. Just a quick “stand there behind the line” and a quick smile and I was on my way back to the counter.

The final step was my only “fumble.” The renewal fees paid at the DMV office currently cannot be paid via credit card – choices are cash, check, money order or debit cards. Doh! Luckily, I had visited the ATM recently and gave her cash. Credit cards can actually be used for internet based transactions – but not for in person and by mail transactions. At least not at this time.

That was it. Done! She printed my receipt and a temporary license, should for some reason I not receive the new license prior to the expiration date of my current license. Fingers crossed!

---

THE EPILOGUE

On Monday, August 26th. I came home to a REAL ID card in the mail., which was great news. The postmark on the envelope was August 22nd. So I’m happy!

But…getting this card took more effort than I originally thought. My license expired in mid-July but I was given a temporary license to carry with me until the new card was received. I waited and called and waited. No card.

I called and told them the situation. No card. Was it sent? No. Why? I was asked what document did I bring to show my proof of identity. I told them I brought my passport. DMV indicated the Department of Homeland Security was reviewing my documents to verify they were legitimate. Well, ok.

Two weeks later, no card. I called again and told them my temporary license was expiring soon. They told me I could call the DHS/DMV Legal Presence Unit to find out what the holdup was. This was getting a bit time consuming. Where the hell is my card?

But I called the number, and each call ended with “We are currently experiencing higher than average call volume. Please try your call later.” Higher than average, eh? Does that mean when call volume is lower than average they answer the phone immediately?

So, the day before my temporary license was to expire (and about a month after my actual license had expired), I had the pleasure of visiting the Thousand Oaks DMV again.

When I told the clerk my situation - that my REAL ID never came in the mail and my temporary license was about to expire, of course she sent me to a line to apply for a new driver’s license.

I was unsure of why I would have to do that. Do I start the whole process again? I was completely unprepared for that.

So I went back and stood in the line again, and this time, another woman understood the situation and issued me a new temporary license on the spot. She also told me the REAL ID would be mailed to me soon.

Success at last!

Most of the folks I dealt with at the DMV were nice and courteous. But it was glaringly apparent that the organization needs a complete re-do. The DMV needs to hire experts to review processes in place and how they can be improved. Processes currently seem so unnecessarily complicated and confusing that frustration is bound to happen.

ORIGINALLY WRITTEN IN 2020. UPDATED IN 2022.

The Largest Mega Millions Jackpots to Date and Other Mega Millions Information

Tomorrow (July 29, 2022) night’s Mega Millions drawing is estimated at $1.1 billion (update: $1.28 billion), making it the 2nd largest Mega Millions jackpot of all time. The Top 10 Mega Millions jackpots to date are as follows:

• $1.537 billion - 10/23/18 - Winning ticket in South Carolina. (5, 28, 62, 65, 70 and 05)

• $1.28 billion - 7/29/22 - And if no one wins it, it will be even higher on 8/2/22.

• $1.050 billion - 1/22/21 - Winning ticket in Michigan (4, 26, 42, 50, 60 and 24)

• $656 million - 3/30/12 - Winning tickets in Illinois, Kansas, Maryland (2, 4, 23, 38, 46 and 23)

• $648 million - 12/17/13 - Winning tickets in California, Georgia (8, 14, 17, 20, 39 and 7)

• $543 million - 7/24/18 - Winning ticket in California (1, 2, 4, 19, 29 and 20)

• $536 million - 7/8/16 - Winning ticket in Indiana (8, 19, 20, 55, 73 and 5)

• $533 million - 3/30/18 - Winning ticket in New Jersey (11, 28, 31, 46, 59 and 1)

• $522 million - 6/7/19 - Winning ticket in California (17, 19, 27, 40, 68 and 2)

• $516 million - 5/21/21 - Winning ticket in Pennsylvania (6, 9, 17, 18, 48 and 8)

Mega Millions is sold in 45 states, Washington D.C. and the U.S. Virgin Islands. The five states that do not participate are Alabama, Alaska, Hawaii, Nevada and Utah.

Locally, Kristine Wellerstein won a $426 million ($292.9 million cash) Mega Millions drawing with a ticket purchased in Woodland Hills on 1/28/22.

On 7/16/10, Zahra Vasseghi of Agoura Hills split a $64 million Mega Millions jackpot with a co-worker. Read about her story at nspyr.com/thevasseghifamilystory/index.html (you won’t regret it).

In Mega Millions, you pick five different numbers ranging from 1 to 70 and one number (the gold Mega Ball) from 1 to 25. The jackpot is hitting all 6 numbers, which is a 1 in 302,575,350 chance. You have a 1 in 37 chance of hitting just the Mega Ball, worth a $2 return of your money.

If you win the Mega Millions jackpot, you can either take one up-front payment that is equal to all the cash in the jackpot price pool (which in tomorrow’s case is $648.2 million vs the estimated $1.1 billion full jackpot) or you can take the annuity option.

The annuity option is not the entire amount divided by 30 years. It starts out at about 1.5% of the total jackpot and increases each year by 5%. So for example, if you win the $1.1 billion jackpot, in the annuity option, you would receive about $16.5 million immediately, followed by $17.3 million in year 2, $18.2 million in year 3, $19.1 million in year 4, and so on.

Good luck! www.megamillions.com