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Last week we explored ways

There are many carpooling websites but most of them are not worthwhile for the Conejo Valley.  These include:  www.NuRide.com (not available yet in our area), www.ridecheck.com (mostly for 1-time rides, not regular carpools), www.carpoolworld.com (just didn't seem very user friendly nor helpful), www.ridesearch.com (was useless to me) and www.ridester.com (mostly 1-time rides).  And ride-sharing social network sites www.zimride.com and www.goloco.org were too much effort to figure out.  I prefer something immediately USEFUL!

The one website that seemed to have a decent selection of potential carpoolers in the Conejo Valley area was www.eRideshare.com.  The site is geared towards daily commuters and did not take long to figure out.  I quickly found 50 possible carpools originating within a 10 mile radius of Thousand Oaks.  Type in your zip code and see what is available. You still must register (for free) to contact other users.  This one is worth checking out.

You can also try the Ventura County craigslist rideshare link (http://ventura.craigslist.org/rid/).  This turned up a few possibilities but is mostly geared towards 1-time rideshares.

I had high hopes for www.ridematch.info as it is sponsored by various local transportation authorities.  They make you register before searching for carpools which I did not like.  After that somewhat painful process I found very few options.  The site has potential but was not user friendly.  I would not recommend it.

Another alternative is the Amtrak Pacific Surfliner train, which runs from San Luis Obispo to San Diego.  With local stations in Ventura, Oxnard, Camarillo, Moorpark and Simi, you can take the train to Glendale, Los Angeles, Santa Barbara and other destinations.  Amtrak can be pricey for a 1-time commute (currently $32 round-trip Moorpark/Los Angeles) but if you buy a monthly pass ($302) and use it all the time you can really save a lot of money and wear and tear (both you and your car).  Visit www.AmtrakCalifornia.com for more information.

So good luck and let me know if you have other carpooling ideas!

The plan is summarized at www.gerberlife.com.  It is a whole life policy with coverage ranging from $5K to $35K.  You can buy the policy for a kid (or grandkid) anytime between the age of 14 days and 12 years. At age 21 the policy automatically doubles in value as long as the premiums are paid.  At age 28 your kid can increase coverage by a factor of 10 at the then applicable rate.

I took a closer look at the $30K policy, with a monthly premium of $20.46.  They say that after 20 years the "cash value" of the policy equals or exceeds the premiums you paid.  That would be $4900 in year 2028.

If you took that $20.46 each month and invested in a college savings plan and it earned an average of 5% or 8%, you would have $8400 or $12K in year 2028.  To me, that makes a lot more sense than an insurance policy.

Would this Grow Up plan make sense for anyone?  The policy makes sense if your child dies, as the payoff would pretty much cover the funeral and burial costs; not much more than that.  Statistics in the U.S. indicate a death rate of 1 in 5000 children aged 1 to 14 and 1 in 1400 for teens ages 15 to 19 (the California rates are roughly 10% to 15% better than these averages). 

Seems to me that the premiums are better spent on college savings then the possibility of death at an early age.

One last argument for the policy is that it guarantees your child the ability to increase coverage by a factor of 10 at age 28.  This would only pay off for someone who otherwise is unable to get life insurance at that age.  To me, this is not worth forking out 27 years of premiums for.

Get a New Plan, Stan

The best thing you can do of course is drive less.  Try carpooling to work, telecommuting now and then if possible or better yet, live close to work and try bicycling!  I know some people that commute to downtown Los Angeles from Thousand Oaks.  This 90 mile daily round-trip trek costs roughly $15/day just in gas at today's gas prices, ignoring added wear and tear on the car and time consumed behind the wheel.

Hop on the Bus, Gus

For local trips in Thousand Oaks, check out Thousand Oaks Transit, which has 4 bus routes that for $1 (for adults; $.75 kids and $.50 seniors) that can take you around the area from Dos Vientos to as far as Costco in Westlake Village.  I will admit that I have not tried the bus as it only runs on weekdays from 7:30 a.m. to 5:30 p.m. but it looks like a great alternative to driving.  Other transportation options from Thousand Oaks to other locations are nicely summarized here.

Two Chores in One Trip, Chip

Crimefighters,

Hydrox was launched by the Sunshine Biscuits Company in 1908 as the first creme filled chocolate sandwich cookie.  The Oreo didn't come out until 1912 but soon Nabisco's marketing and distribution power had Oreo running circles around Hydrox.  In fact, nearly half a TRILLION Oreos have been sold since they were launched, making them the top selling cookie of the 20th century.

I like an underdog, so I'm cheering the return of the Hydrox and hope that enough people catch on to them again so that Kellogg's (which bought the company that owned the Hydrox brand in 2001) keeps them on the market.  I barely remember what Hydrox tastes like but I've heard they are slightly less sweet than Oreos.

So why did they create the name Hydrox based on hydrogen and oxygen, the elements that make up water?  Beats me!  Though even more perplexing is where the name Oreo came from. Nobody seems to know the answer to that one, even Nabisco.  Though the theory that the "re" came from "cream" that was sandwiched between the two "o's" from chocolate seems almost plausible.

So let's lead the effort to bring back the Hydrox permanently.  Kellogg's, if you read this, please feel free to send me a few cases of retro Hydrox cookies later this summer and I promise to spread the Hydrox gospel!  How about an Oreo/Hydrox Taste Challenge a la Coke/Pepsi!!??  Hydrox fans, let Kellogg's know you want the Hydrox back for good!

It seemed like we were getting way too many telemarketing calls...usually right around 8 p.m. while struggling to get the kids bathed and into bed.  And I thought we had signed up for the National Do Not Call Registry years ago.  So here's a brief "refresher" on how the Do Not Call Registry works and what it can and cannot do.

What It Does

If you register your phone number in the National Do Not Call Registry, telemarketers must stop calling that number within 31 days.  The Registry applies only to personal phone numbers, both home phone and cell phones.  The law does not apply to business lines.

What it Doesn't Do

If you buy goods or services, they can call you up to 18 months even though your number is on the Registry.  If you want them to stop calling you sooner, you must tell them in writing.  The Registry does not apply to political, charity and survey calls.  If you inquire or apply to a particular vendor, they can call you for up to 3 months, even if you are on the Registry.

How Do You Register?

Register at www.donotcall.gov.  It only takes a

CLARIFICATION:  My "Safest City" designation was based on the "total" crime rate.  News reports today have ranked Irvine as the Safest City for 4 years in a row based on having the lowest "violent" crime rate, not "total" crime rate (see below).  As it stands, T.O. ranks 2nd among California cities for lowest violent crime rate and 1st for lowest property and total crime rates.  Irvine ranks 14th in terms of property crime rates among California cities.

The FBI groups two main categories of crimes; violent crimes (murder, rape, robbery, assualt) and property crimes (burglary, larceny/theft, auto theft).  Thousand Oaks reported 182 violent crimes (70% of which were assault) and 1,942 property crimes.  While it feels good to be #1, we still have room for improvement.  Our overall crime rate actually grew by 6% in 2007 vs 2006.  However, our violent crime rate dropped by 19% while property crimes grew by 8%.

At the bottom of the list was St. Louis, Missouri, Orlando, Florida and Little Rock, Arkansas, at rates of 11.93%, 10.45% and 10.35%, respectively.  What this means is that you are 7 times less likely to be the victim of a crime in Thousand Oaks than in St. Louis.  The dubious honor of highest violent crime rate belongs to Flint, Michigan.  In 2007, 24 out of every 1,000 Flint residents were the victim of a violent crime.

Simi Valley ranked as the 9th safest U.S. city at a total crime rate of 2.09% (4th safest in California, after T.O., Irvine and Glendale).  Oxnard's crime rate was 2.747%, which was a slight drop from 2006.  This earned Oxnard recognition as the 12th most crime-free large city in California out of 65 cities.  Ventura was lower on the list, at #45.

Keep up the great work, fellow Conejo Valley residents!  For more information, visit www.fbi.gov/ucr/ucr.htm.

• Local 4th of July events
• Thousand Oaks Concerts in the Park
• Kids' Club at The Oaks
• Janss Marketplace Summer Jams
• Oxnard Salsa Festival
• Lil' Critters Club at Paraiso in Dos Vientos
• Fairy Tales in the Park
• Agoura Hills Summer Concerts/Movies in the Park
• Navy Seabee Days
• Janss Marketplace Open Mic and Interactive Fountain Shows