“Pelican Key”, Sequel to “Rainbow’s End”

June 30, 2015

We are busy working on “Pelican Key”, the sequel to “Rainbow’s End”. Joanie & Roz are busy as ever with Blossom, Joe, Burton, McGhee and Ida and helping a dear friend who is in big trouble. Stay tuned for updates!

January 7, 2015

We have started the New Year Right! “Pelican Key”, the sequel to “Rainbow’s End”, is in the works. Your favorite residents from Rainbow’s End will be there and we will introduce you to a few new ones. Joanie and Roz are still front and center keeping up with all the goings on in Rainbow, dinners in Key West, and planning a cruise with their friends Silvia and Judy.  Burton, their favorite neighbor, may have a new love in his life and quite the uproar going on.  Stay posted for more news about “Pelican Key”.

 

Happy New Year from,

JB Bonds

JBBonds_About

What Are You Doing to Delay Dementia?

I have seen my parents go thru Dementia and Alzheimer and I want to do everything I can to prevent or delay having either one myself. I am a Senior Citizen and I am really concerned about getting Dementia. I have read lots of articles on what you can do to at least delay Dementia. They seem to all agree that people who delay retirement, can also stave off signs of Dementia. Once you retire, it is important to be physically active, eat healthy and keep your brain active.

I was a stay at home Mom but stayed very busy raising our children, working part-time, and helping my husband with his business. After the children were grown and gone, I became very involved with Newcomers Groups and stayed very busy with all of their activities.

When my husband retired and we moved back to our hometown, I continued to keep busy with all of the Newcomer’s activities like bridge and Mahjongg. Then my sister and I came up with an idea for a book. We started writing “Rainbow’s End”, went to the South Carolina Writers’ Workshop, and self-published our book. This has kept both of our minds very active. We are learning new things daily on the computer and researching articles.

I really think that continuing to write books, playing bridge and Mahjongg, going to jazzercise and eating a healthy diet will help stave off Dementia.

We would love to hear from our readers that have recently retired. What types of new activities are you doing to keep your mind busy. Are you learning a new language? Learning to play an instrument? Perhaps you have started to write a book in your retirement years. Whatever you are doing, keep it up!


 

 

 

Baby Boomers Are Not Slowing Down

There are a lot of Baby Boomers out there, including me, and we aren’t going quietly into the night. The Baby Boomers are more active than ever and living long, healthy lives. They are keeping up with all the new technology and social media, staying active and eating healthy. We are the largest generation on the planet.

I found this wonderful article that shares the retirement secrets of the Baby Boomers.

http://babyboomerslearntoblog.com/baby-boomer-retirement-secrets-what-we-dont-want-you-to-know/comment-page-1#comment-1150


 

Best Places for Baby Boomers

As a lot more of the Baby Boomers are getting ready to retire, they are looking for the best place to live that offers everything they need close to their homes. I found this great article full of great information to help you make that decision on where to retire. Read more at nerbwallet.com

Best Places for Baby Boomers

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by Divya on June 2, 2013

“Many baby boomers are trying to maximize their dollars as they start thinking about retirement, as well as trying to continue learning, working and socializing.  NerdWallet crunched the numbers to find the best places for baby boomers, many of whom strive to have active and social lives while keeping costs low.”


 

Tops Reads for Senior Citizens

National Council on Aging

 AARP is definitely a wonderful organization that offers so much for seniors, but The National Council on Aging web site is also a great resource for us baby boomers.  One of the best sites I’ve seen with the NCOA lists the 12 best articles they printed for the year 2012.  What a gold mine of information.  If you read the scam alert article alone, you will have so much valuable information for your safety.  The link to this article is above.

Some of the article subjects are Scams Targeting Seniors, Myths about Reverse Mortgages,  Policy Issues Affecting Seniors, Tips to Stop Arthritis Pain, Tax-Time Tips, and Chronic Disease Self-Management Program.

I suggest you earmark this link to the NCOA web site, maybe even register for emails.We, as senior citizens, need all the information we can get to keep us happy, healthy, and safe.


 

 

 

How “Rainbow’s End” Began by JB Bonds

Who is JB Bonds? For those of you who do not know us personally, I thought I would tell you a little about JB Bonds how “Rainbow’s End” began.

The “J” in JB Bonds, is Emily Jane Bonds McCoy and the “B” is Brenda Sue Bonds Rowell. Two sisters who grew up the valley of Roanoke, VA. We both married our high school sweethearts. We both worked as secretaries until we became stay at home moms. We both were very fortunate that our husbands had great careers that could support a single income family. We moved around the East cost with our husbands careers. Jane has a son and daughter and I have two daughters and a granddaughter.

We have always been very close sisters and have become best friends. We have always kept in touch with each other and our husbands are like brothers to each other. We have enjoyed many family vacations together and since we became empty nester’s, the four of us have gone on some great vacations together.

It was on one of these trips that the idea of our book, “Rainbow’s End” was born. The four of us went to Cudjoe Key, Fl, which is 23 miles North of Key West, Fl. We stayed at a retirement community called Venture Out. We rented a two bedroom home for a week in February 2012.

Jane and I were in the pool while our husbands were enjoying a cigar in lounge chairs. As Jane and I were doing our own version of Aqua Aerobics, I said “This place would make a great setting for a sitcom.” We started coming up with characters that would live there and their descriptions. We were having a ball visualizing these people.  Then one of us said, “It should be a book first!”. The main characters would be two sisters in their 70’s that were widows. So, sadly our husband had to die in the book before it even got started. We vowed when we left that we would start writing it.

When we got home, we each typed up story lines and emailed them back and forth to each other. There is a home down the street from me with a sign “Rainbow’s End” at their mailbox. I always loved that name and suggested our community be called “Rainbow’s End”. Then we had to figure out how we would put the authors name. Jane McCoy and Brenda Rowell? Jane and Brenda? Then we came up with JB Bonds. It just seemed perfect!

We started thinking about all the funny things that had happened to Jane and I when we went on “girls trips” thru the years and decided they would make great stories in our book. Of course, we changed the names to protect the innocent.

Jane typed up all the story lines into a story and emailed them to me. I would edit and add a few ideas and before we knew it, “Rainbow’s End” was completed. One of my friends knew we were writing a book and suggested we go to the South Carolina Writers Workshop in Myrtle Beach in Oct. of 2012. It just so happened that My husband, Chuck and I own a condo in Myrtle Beach and we were going to be there in Oct. Jane and her husband, Jim came to spend a week so Jane and I could go to the Workshop.

Going to the South Carolina Writers Workshop was the best thing we ever did. We signed up for all the sessions we thought sounded interesting for the two days. We met Authors, Publishers, Editors, and Website Designers. We learned so much it was well worth every penny it cost. We found our website Designer, Shari Stauch with Writers Win and Editor, Toni Rakestraw. Once we got home we started searching for artwork of Key West, Fl and found “April on Retro Canal” by Frank Strasser. It was perfect! Jane found someone to design the book cover and we were ready to go. Our editor uploaded “Rainbow’s End” on Kindle and Amazon Paperback for us in Oct. of 2013.

I am now doing eight, one hour conference calls with Shari with Writers Win on Social Media Marketing. Both Jane and I love the process of writing our book and are on the sequel to “Rainbow’s End” called “Pelican Key”. We never in a million years would ever dream that we would have written and self published a book at ages 63 and 65.

Brenda Bonds Rowell (The “B” in JB Bonds)


 

 

 

 

 

 

Get Ready for the Wave of Baby Boomers To Become Seniors

In 2010, Census counted 42.3 million Americans 65 or older. From 2010 to 2060, the number will more than double to 92 million. Seniors are tending to stay in their own towns instead of moving to places like Arizona or Florida. Seniors are aging in place. What are the communities doing to prepare for this wave of Seniors? I am a Baby Boomer and a senior. I plan to stay right where I am until they carry me away. I found this article in the USA today about the 5 must-do’s as the age wave bears down on the USA. If you are getting ready to retire, what are your plans? Are you moving to Arizona or Florida? Or are you staying in your home town? What is your community doing to prepare for the Seniors? Read this article and see if you think your community is ready.

http://www.usatoday.com/story/news/nation/2013/07/30/america-aging-health/2508981/


 

 

What age should you claim Social Security?

When I turned 62 I started getting all kinds of mail from the Social Security Administration letting me know I could begin my benefits.  First of all, getting that mail make me feel as old as dirt, but it did serve the purpose of my starting to do some research on the best path to take for my situation.  That’s the term here that has to be remembered, “my situation”.  Not everyone is in the same boat when it comes to turning 62, or 66, or 72 and beginning to take the Social Security benefits to which they are entitled.  I believe if you are financially stable enough to wait until you are at least 66 to begin receiving those benefits, that’s the best road to take.  Since my husband was working at a full time job when we both turned 62, we felt my receiving my benefits then was the thing to do.  He will begin getting his benefits this year when he turns 66.  Waiting to 72 would give us more each month, but in our situation, we want to get everything paid off before we retire, and getting that monthly Social Security check for him will help us do that.  He will retire at 68. 

 

 

So, read the article, and then decide what’s best for you and your family.  There are so many extenuating circumstances now that will come to play in your situation.  If there is something that you don’t understand, don’t hesitate to call The Social Security Administration and ask the questions.  I have found them helpful (once I finally got through to them, that can be a problem).  If you have a computer, go to their web site and read everything.  It’s better to be prepared for retirement and what that means. 

 

“Most people take Social Security at age 62, when they are eligible. Most financial advisers suggest you wait until 66 or 70. Decisions should be part of your financial plan. Every case is different.”

“It’s a big decision, one we’ll all have to make: Should I take Social Security as soon as I’m eligible, at age 62, or wait till I’m 66 … or even 70, when I would receive the maximum benefit?”

Check out this article at usatoday.com. Maybe it will help with some of your questions.


 

 

 

 

Baby Boomers are Changing the Way Others Retire

I read the following article and came to the realization; this is not my Mom and Dad’s world anymore.  In one generation, retirement has completely changed.  Almost everyone I know who is “retiring” really isn’t “retiring”.  The Federal Government is telling them, “You’re 65 now, it’s time to hang up your spurs”, but that’s not what they’re doing.  Sure enough, we baby boomers are starting to collect our Social Security, but we also can see that Social Security alone is not going to be our saving grace.  Not only are we living longer than most of our parents, but our expenses are much greater. 

So many seniors are faced with having their children move back into their homes, helping them pay off their student debt, or paying it off for them, and not having enough money in a pension fund that will last as long as they are expected to live.  Therefore, many seniors are being creative in their retirement.  They are supplementing their income by continuing to work in some capacity, and they can do this because they are in better health and physical condition than their parents were in retirement.

The Boomers are having to forge the way and learn new ways to survive once they have taken that step to actually retire, but from what I am seeing and reading, we Boomers are resilient and inventive, and we’ll get it done.  If nothing else, hopefully, our children and grandchildren will learn that saving for retirement their whole work life, and taking care of themselves physically and mentally is utmost in living a long, healthy life.

How Baby Boomers Will Change The Way Others Retire

How Baby Boomers Will Change The Way Others Retire“The rapid evolution of retirement in America shows no signs of slowing. The World War II generation (or The Greatest Generation) often lived in the same house until they either died or were moved to a nursing home, but this is now far less common. Baby boomers have continued to forge new ground and explore new lifestyles in this period of their lives, as technological and medical advancements have provided them with many more alternatives in how and where they can spend their time.”

Read more at Investopedia.com


 

 

Retirees Can Be at a Vulnerable Age

When I read this article, I knew it was something that all seniors should read and heed.  Today there are many companies out there that are very willing to take seniors retirement funds, in the guise of helping them, to only cause them financial ruin in the end.  Reading the fine print is so important for everyone to read, but none more than seniors.  There are many seniors who are facing eviction from their homes, not getting proper nutrition, taking half of their daily medications in hopes of stretching them out because of the astronomical cost of drugs, and freezing in winter and dying of heat exhaustion in summer simply because they are trying to stretch the few dollars they are receiving in benefits.  That’s when they are most vulnerable to these companies who tell them we can let you have an advance on your retirement funds to help you through this tough time, but fail to loudly and emphatically let them know when it comes to repaying those funds, the interest rate is going to be out of the roof!  They are going to be in worse shape than ever.

There has to be a better way to help these seniors who are suffering and barely getting by every single day.  I’m not sure what the answer is, but I do know borrowing on your retirement, and reverse mortgages are scary.

“To retirees, the offers can sound like the answer to every money worry: convert tomorrow’s pension checks into today’s hard cash.”

“But these offers, known as pension advances, are having devastating financial consequences for a growing number of older Americans, threatening their retirement savings and plunging them further into debt. The advances, federal and state authorities say, are not advances at all, but carefully disguised loans that require borrowers to sign over all or part of their monthly pension checks. They carry interest rates that are often many times higher than those on credit cards.”

Continue reading this article at NewYorkTimes.com. This article is part of a series that examines financial challenges and pitfalls faced by older Americans in lean economic times.