Conejo Valley Meal and Shelter Program Providers

Conejo Valley WINTER SHELTER ACTIVITIES ended 2020-2021. Instead of nightly sit-down meals and shelters, Harbor House hosts a daily lunch/meal program at Holy Trinity Lutheran Church, 1 W. Avenida de los Arboles, between 4:45-5:30 pm. www.harborhouseto.org/daily-meal-program

Harbor House also provides rental assistance, case management, gas and electric assistance, showers and laundry service, and more.

Learn how you can volunteer, including preparing sack lunches, hot meals and other support for Harbor House at www.harborhouseto.org/volunteer

Make donations at www.harborhouseto.org/donate

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HOMELESS SHELTERS AND MEAL PROVIDERS THROUGHOUT VENTURA COUNTY

Provisional Driver License Permit Restrictions In the State of California

According to a 2012 Pew Research Center World Fertility Report, when it comes to women nearing the end of their childbearing years (age 40-44), the U.S. ranks near the top of the list. Of 118 countries providing data, only six had a higher "childlessness" rate than the U.S. rate of 19%.

But inversely, that means 81% of women at the age have indeed had children, and according to that study, U.S. women have an average of 1.9 kids. And this of course means that eventually, these women and their spouses have to deal with the topic of...DRIVERS' PERMITS for their teens!

Provisional Driver Permit Requirements

So what are the rules for provisional permits in the state of California? According to the California DMV website, to apply for a provisional permit, you must be at least 15 1/2 but under 18, make an appointment with the DMV, complete a driver license application (DL 44 form), provide a fingerprint, pay a fee, pass a vision exam (you must have 20/40 with or without glasses in both eyes and each eye individually), get a passing score of at least 38 out of 46 questions on a traffic laws test* and submit certification of proper driver education programs. Oh, and your parent(s) or guardian(s) must sign your DL 44 form.

The provisional permit is not valid until you start your behind-the-wheel driver training with an instructor or reach age 17 1/2.

* If you fail the test, you must wait 7 days, not including the day the test was failed, before retaking the test.

CLICK HERE TO TRY A SAMPLE DRIVER’S LICENSE TEST

This is one place you don’t want to drive your car - into the Hillcrest Open Space in Thousand Oaks.

Minors' Provisional License Requirements

To get a provisional driver license as a minor, you must be at least 16 years old, prove that you have finished both driver education and behind the wheel training, have held an instruction permit for at least six months, and have parents' signatures that you completed at least 50 hours of supervised driving practice (including 10 hours at night), and pass the driving test.**

** If you fail the driving test, you must wait 2 weeks, not including the day the test was failed, before retaking the test. If you fail the driving test 3 times, you must reapply and pay all applicable fees. Do not pass Go. Do not collect $100.

Provisional Driver License Restrictions

After you receive your provisional permit, for 12 months you cannot transport people under age 20 or drive between 11 pm and 5 am without a licensed parent or guardian, California driver 25 years old or older, or certified driving instructor accompanying you. Put another way, a provisional driver can drive alone only the hours of 5 am and 11 pm. There are some exceptions that can be made for medical, school/school activities, employment or other necessities. 

Since July 1, 2008, drivers under age 18 cannot use cell phones or other electronic devices while driving, even in hands-free mode.

Visit www.dmv.ca.gov for more information.

Holding cell phone while driving is definitely a no no.

Ventura County 2-1-1 for Human Service Programs

Ventura County 2-1-1 provides a quick, easy, free and confidential way to obtain information and local referrals for these types of services:

• Basic human needs, such as food, shelter, clothing and other support

• Physical and mental health resources, including intervention services, crisis counseling, support groups, counseling, drug and alcohol intervention and health insurance programs

• Employment support, including unemployment assistance, job training, education assistance, transportation help, etc.

• Support for elderly and disabled individuals, such as convalescent care, home health care, meal services and transportation services

• Children, youth and family support, including childcare, after school programs, family resource centers, mentoring, recreation, tutoring, protective services, etc.

• Volunteer opportunities and donations

Ventura County was the first county in California to launch 2-1-1 service on February 11, 2005.  The Ventura County 2-1-1 service is staffed 24 hours a day and is managed by Interface Children & Family Services with the support of the Ventura County United Way and First 5 Ventura County. Additional support is received from the County of Ventura, the County of Ventura Health Care Agency, the County of Ventura Human Services Agency, and the cities of Camarillo, Ventura, Oxnard, Simi Valley, Port Hueneme, Moorpark, Ojai and Thousand Oaks.

For more information about 2-1-1, visit www.211ventura.org.

Identify Local Sex Offenders Using California Megan's Law Website

California was the first state in the nation to initiate a Sex Offender Tracking Program in 1947, but until 1996, when California Megan's Law (CML) was initiated, information about sex offenders was not publicly available. 

Megan's Law is named after seven year old New Jersey girl Megan Kanka, who was raped and killed by a known molester who lived across the street from her family. All states now have a form of Megan's Law. On September 24, 2004, AB 488 was signed into law in California, providing the public Internet access to sex offender information at www.meganslaw.ca.gov.

This is a website that deserves a look, particularly by anyone who is a parent. While the website is not meant to "punish" sex offenders, it is a useful awareness tool. The search engine on the site allows you to search by name, address, city, zip and county, as well as within a two mile radius of parks and schools. You can also review the results of your search in both map and listing format.

Within seconds you can identify the 880=1 (as of July 2024) registered sex offenders in Ventura County, including photos, names, vital stats like date of birth, height and weight, their offenses and, where applicable, their addresses. You can view the offenders on a map or on a list.

Map view of megan’s Law offenders in Ventura County as of January 2023

The information in the CML database is not always up to date for each individual. The severity of the offenses for each individual vary from the more violent (rape, battery) to statutory rape, indecent exposure, etc.

Digitally Preview Your Mail Each Morning with USPS Informed Delivery

Informed Delivery by USPS allows you to preview your mail each morning with a digital copy of each letter-sized item to be delivered to you via email. You can also log in anytime and see images of previous week’s mail. Additionally, you can see the delivery status of any packages coming your way.

If you’ve ever had your mail stolen, this gives you the ability to at least see what mail was stolen from you. Or you can see first thing in the morning what mail is being delivered, alerting you to anything of particular importance.

You will see the address side of mail delivered. You of course will not be seeing contents of that mail.

Learn more and sign up at informeddelivery.usps.com.

Daylight Saving Time is Back ALREADY on Sunday, March 10th!

Daylight Saving** Time is coming back again! Yes, this will take place on Sunday, March 10, 2024, at 1:59 a.m. When the clock strikes 2 a.m. that morning, you will lose one hour of beauty sleep.

So try to get to bed early the night of March 9th or you might feel grumpy on Monday! Especially when you realize it feels a lot darker that morning. But the good thing is it'll be a lot lighter out at dinnertime!

** Contrary to what many of us think, it is called Daylight Saving Time, not Savings Time. Make sure to correct anyone who says it wrong if you really want to get on their nerves. But the reality of it is that we're not saving any daylight, we're just shifting it around.

Income Planning to Keep Your Medicare Part B Premiums From Increasing

Medicare Part B covers certain doctor services, outpatient care, medical supplies and preventive services. You pay a monthly premium for Part B that is automatically deducted from your Social Security benefit payment.

Most people will pay the standard premium amount. If your modified adjusted gross income (MAGI) is above a certain amount, you may be charged an Income Related Monthly Adjustment Amount (IRMAA) - basically a higher premium.

Your MAGI is your total Adjusted Gross Income plus tax-exempt interest income, non-taxable Social Security benefits and untaxed foreign income on your tax return.

Medicare uses the MAGI reported on your IRS tax return from 2 years ago to determine your current year premium.

For example, the standard Part B premium in 2023 is $164.90. If your MAGI on your 2021 return was $97,000 or less if single or $194,000 or less on a joint tax return, you pay the standard 2023 premium.

If the MAGI on your 2021 tax return was between $97,000 up to $123,000 (single taxpayers) or between $194,000 up to $246,000 on a joint return, your 2023 premium would be $230.80.

There are additional income ranges that can bring your monthly premium as high as $560.50 per month in 2023, if your MAGI in 2020 was $500,000 or more for single or $750,000 or more for joint taxpayers. Visit www.medicare.gov/your-medicare-costs/part-b-costs for more details.

These bunnies are too young for Medicare but are discussing future healthcare options nonetheless.

ARE YOU FILING AS MARRIED FILING SEPARATELY? BE CAREFUL!! If your individual MAGI is above $97,000 and less than $403,000, your monthly premium jumps from $164.90 to $527.50. That’s a huge jump.

TAX PLANNING: Let’s say you are single and have $45,000 in Social Security, $35,000 in IRA distributions and $15,000 in interest and dividends in 2021. That brings you to $95,000 in MAGI, which is below the $97,000 threshold where they increase your premiums. If you sold a stock for a $2,001 gain, that would bring you to $97,001 in MAGI and your monthly premium would jump by $66 per month. Perhaps it would be wise to wait and sell that stock in 2022.

The only problem is, Medicare doesn’t announce next year’s premium parameters until the fall, which usually is after you’ve filed your previous year tax returns. What to do?

Well here we are near the end of 2023, which will be used to establish 2025 Part B premiums. The best you can do is just use the 2021 parameters and plan accordingly.

The MAGI cut-off for standard premiums in recent years have changed as follows:

• 2021 (for 2023): $97,000 (single), $194,000 (joint)

• 2020 (for 2022): $91,000, $182,000

• 2019 (for 2021): $88,000, $176,000

• 2018 (for 2020): $87,000, $174,000

• 2015-2017 (for 2017-2019): $85,000, $170,000

What happens if your income jumps really high one year? You sell a rental property, win the Lotto, take a new job, etc. Well, your premiums will jump if your MAGI leaps over those income parameters. Not much you can do about it. The good news is that it will drop back down the following year if your MAGI drops below the income threshold.

There are some unique situations where you are allowed to an appeal a Part B premium IRMAA after you receive your notice from the Social Security Administration. Certain life-changing events that cause an income decrease can be considered to reduce your premium, such as death of a spouse, marriage, divorce, reduction in work hours, loss of pension, involuntary loss of income-producing property due to a disaster and receipt of settlement from employer due to closure or bankruptcy.

Visit www.medicare.gov for more information.