How Do I Find the Nearest Mailbox to Me?

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My wife asked me if there is a way of finding the nearest local mailbox.  Sure, we know of a couple mailboxes within a mile of our home in the Conejo Valley but it's nice to be able to find other mailboxes when you're out and about.

She used to put letters and bills and such in the mailbox for our mail carrier to pick up, but with the rash of folks swiping things out of home mailboxes, she would prefer to drop letters off into a more secure "blue" mailbox.

The US Post Office has a "Find Locations" section on its website to find a variety of locations, including post offices, approved postal providers, self-service kiosks and collection boxes (aka mailboxes). Find your local mailbox at tools.usps.com/find-location.htm. This tool on the USPS site works great and provides additional information, including daily pickup times.

And of course since there's data out there on where the mailboxes are, there are websites that take that this data and create their own mailbox map. Mailboxmap.com does just this. Simply type in your location and the map will clearly lay out mailbox, post offices and UPS stores for your mailing needs. 

Income Planning to Keep Your Medicare Part B Premiums From Increasing

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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.

Roller Skating, Roller Blading, Ice Skating and Skateboarding Around Ventura County

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Looking for some wheel fun around the Conejo Valley and Greater Ventura County? Look no further than this list of nearby skating, blading and boarding venues in and around the area.

ICE SKATING

LA Kings Iceoplex Ice Arena in Simi Valley

Hockey Alley Ice Skating Training Facility in Newbury Park

ROLLER SKATING, ROLLER HOCKEY

Skating Plus Indoor Roller Rink in Ventura

Tri-Valley Roller Hockey League in Calabasas

CLOSED

Channel Islands Ice Center in Oxnard (closed its doors in April 2016 but is looking to raise funds for a new home)

Skatelab Skate Park in Simi Valley closed its doors 1/6/19 after 21 years in operation, but its founder indicated a new location is coming.

The Holiday Ice Rink at The Lakes at Thousand Oaks operated annually from mid-November to January until the 2019-2020 holiday season.

The Conejo Valley Ice Skating Rink opened in 1977 at 510 North Ventu Park Road in Newbury Park (which today is the address of Hampton Inn & Suites). The facility closed its doors in 1994, after 17 years in business.

Indoor Play Places In and Around Ventura County

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There are hundreds of parks with play areas throughout the Conejo Valley and Greater Ventura County compiled at THIS LINK, but if you are looking for an indoor playtime experience with your little ones, from toddlers to teens, here are a number of options to check out.

This is just a small sampling of kids' activities highlighted here on Conejo Valley Guide.

FUN FOR THE KIDS AT LOCAL VENTURA COUNTY AREA SHOPPING MALLS

The three story foam ball projectile and climbing area at Kids World in Oak Park.

The three story foam ball projectile and climbing area at Kids World in Oak Park.

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

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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.

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Batting Cages and Paintball in Ventura County

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For you baseball/softball players, here is a summary of local batting cage options, with links to additional contact information:

Paintball? No particular correlation to batting cages, but here it is:

Ambush Paintball and Airsoft Park in Moorpark

Volunteer Income Tax Assistance Locations in Ventura County

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The Volunteer Income Tax Assistance (VITA) program recruits volunteer tax preparers to provide free preparation of federal and state income tax returns to taxpayers with incomes less than $64,000 in 2023. VITA benefits these taxpayers by eliminating the cost of commercial tax return preparation and by securing valuable tax credits such as the Child Tax Credit and EITC.

Local VITA location sites are as follows (see this IRS link for details, including dates and times and contact information for making appointments, when required):

  • Newbury Park Library, 2331 Borchard Road - Wednesdays 10am to 4pm, 2/7/24 to 4/10/24. Appointments not required.

  • Conejo Creek South Park, 1350 E. Janss Road, Thousand Oaks - Mon-Fri 8:30am to 4pm, 2/1/24 to 4/12/24. Appointments not required.

  • Many Mansions, 2725 East Hillcrest Drive, Thousand Oaks - 2/6/24 to 4/30/24. Appointments are required.

  • Calvary Church, 5495 Via Rocas, Westlake Village - 2/6/24 to 4/9/24. Appointments are required.

  • Moorpark College - 2/1/24 to 4/30/24. Appointments are required.

  • East County Job and Career Center, 2900 N. Madera Road, Simi Valley - 2/7/24 to 4/30/24. Appointments are required.

  • CLU Oxnard Campus: 2201 Outlet Center Drive, Suite 600 - 2/6/24 to 4/30/24 - Appointments are required.

  • Oxnard College, 4000 South Rose Avenue - 2/6/24 to 4/30/24. Appointments are required.

  • United Way of Ventura County, 702 County Square Drive #100, Ventura. 2/1/24 to 4/30/24. Appointments are required.

  • Ventura Community Service Center, 4651 Telephone Road, 2nd Floor. Appointments are required.

What to bring:

  • Proof of identification (photo ID)

  • Social Security cards for you, your spouse and dependents

  • An Individual Taxpayer Identification Number (ITIN) assignment letter may be substituted for you, your spouse and your dependents if you do not have a Social Security number

  • Proof of foreign status, if applying for an ITIN

  • Birth dates for you, your spouse and dependents on the tax return

  • Wage and earning statements (Form W-2, W-2G, 1099-R,1099-Misc) from all employers

  • Interest and dividend statements from banks (Forms 1099)

  • Health Insurance Exemption Certificate, if received

  • A copy of last year’s federal and state returns, if available

  • Proof of bank account routing and account numbers for direct deposit such as a blank check

  • To file taxes electronically on a married-filing-joint tax return, both spouses must be present to sign the required forms

  • Total paid for daycare provider and the daycare provider's tax identifying number such as their Social Security number or business Employer Identification Number

  • Forms 1095-A, B and C, Health Coverage Statements

  • Copies of income transcripts from IRS and state, if applicable

www.irs.gov/individuals/checklist-for-free-tax-return-preparation

The IRS partners with software companies to provide “IRS Free File” guided tax software for taxpayers with adjusted gross income (AGI) or $79,000 or less for the 2023 tax year. Learn more at apps.irs.gov/app/freeFile. Providers for 2023 filings include FreeTaxUSA, 1040.com, FileYourTaxes.com, 1040NOW, TaxAct, OLT.com, TaxSlayer, and ezTaxReturn.com