PRIME TIME Volume 35, Number 9 June 2017

RETIRED EMPLOYEES OF SAN BERNARDINO COUNTY

The only officially recognized organization representing SB County Retirees

PRESIDENT’S COLUMN

In past articles, I have com-mented on “how time flies!” When I started thinking about what I wanted to say in my message to the Membership in this column, I suddenly real-ized that I am rapidly ap-proaching the end of my first year of a two-year term as RESBC President. As a re-sult, I took some time to reflect on just what RESBC has ac-complished during the year, and to determine which, if any, of the goals which I, and your Executive Board, had estab-lished for our organization had been achieved. Well let's see: Our membership continues

to grow, with active partici-pation on the upswing.

We have held several meet-

ings/events at various loca-tions within the County, ena-bling members to attend who may not otherwise have done so. We are

RESBC Officers — 2016-18 Argie Brogdon, President

Deborah Barmack, 1st Vice Pres

Vacant, 2nd Vice Pres

A.B. Brand, Treasurer

Coby Hinkle, Secretary

Wes McDaniel, Past President

working on coordinating more such events in 2017-2018.

We have completed our re-

vision of the By-Laws. The entire document was in-cluded in the May issue of Prime Time. This was done so that all RESBC members would have the opportunity to review it prior to ratifica-tion. Approval of the By-Laws by the General Mem-bership will be sought at the Mid-Year Luncheon being held on June 26, 2017. All the more reason for you to attend!

The California Retired County Employees Association (CRCEA) 2017 Spring Confer-ence was held in Ventura from April 24 through April 26. There were three members from RESBC who attended. One member, our Prime Time Editor, Virginia Adams, at-tended but was wearing one of her other hats — that of Sec-retary of CRCEA. The weather was perfect and the view from our hotel room was exquisite. Overall the confer-ence was well organized and informative, with a variety of presenters speaking on a vari-ety of subjects. For a more detailed report on the confer-ence, please see our confer-

continued on Page 2

PLEASE JOIN US!

Monday, June 26, 2017

June/Mid-Year Luncheon

(see Page 11 for reservation form)

DIRECTIONS TO SCOTTISH RITE

4400 North Varsity Avenue San Bernardino

From South 215: Exit University Parkway. Turn right at stoplight. Make a left at next stoplight onto Varsity Avenue. On the left hand side, make a left turn into the driveway for the Scottish Rite about 1/2 block after turn. Drive straight back for parking on the West side of the build-ing. From North 215: Exit University Parkway. Turn left at stoplight onto University Parkway. Make a left at next stoplight onto Varsity Avenue. On the left hand side, make a left turn into the driveway for the Scottish Rite about 1/2 block after turn. Drive straight back for parking on the West side of the building.

PRIME TIME—June 2017—Page 2

ence delegate's column in this edition of Prime Time. In this current edition of Prime Time, you will again find a res-ervation form for the Spring/Mid-Year Luncheon. Please plan on attending! Return your completed reservation form, along with your payment today. The deadline is June 21, 2017. You won’t regret it! As always, I am asking for your help in enticing members to attend the RESBC meet-ings. Most of you have friends who are also retired. You might want to invite them to join you at a meeting every once in a while. The meetings are held every other month. June 14, 2017 is Flag Day, a day to fly the American Flag and show your patriotism! See you at the luncheon! ARGIE BROGDON President

continued from Page 1

CALAPRS Conference by Dawn Stafford

Retirement Board of Trustees, Elected by Retirees

At the CALAPRS conference in Monterey in March, we heard “A National Perspective of State and Local Pensions”, an interesting presentation by Keith Brainard, Research Director of the National Association of State Retirement Administrators. The following are extracts from some of his slides. Comparison of Retirement Benefits in the U.S. Private Sector 60% of full-time private sector workers participate in an em-

ployer-sponsored retirement plan; 21% of part-time workers par-ticipate

In total, 49% of all private sector workers participate in an em-ployer-sponsored retirement plan

Fewer than one in five have a traditional pension (DB) plan Social Security coverage is universal Public Sector Nearly all fulltime workers have access to an employer-

sponsored retirement benefit; most have access to a traditional pension (DB plan)

82% participate in a DB plan; virtually all others are in a DC plan Three-fourths participate in Social Security Public pensions in the U.S. $3.82 trillion in assets 14 million active (working) participants

13 percent of the nation's workforce 10 million retirees and their survivors receive $250+ billion an-

nually in benefits Annual contributions = $180 billion

$132 billion from employers; $48 billion from employees Approximately 5.0 percent of all state and local government

spending goes to public pensions Of 6,000+ public retirement systems, the largest 75 account for

80+ percent of assets and members Aggregate funding level = ~74% Public pensions in California $800 billion in assets 1.8 million active (working) participants 1.2 million retirees and their survivors receive $45 billion annu-

ally in benefits Annual contributions = $35 billion

$25 billion from employers; $10 billion from employees 88 retirement systems

CaIPERS and CaISTRS account for $500 billion Largest other plans: UCRP, LACERA; LA Fire & Police, LACERS

continued on Page 3

National public pension trends Sustained low interest rates are fundamentally changing the pension finance calculus An unprecedented spate of pension reforms occurred from 2009 to 2014, and reform continues,

at a slower rate After a lengthy period of decline, pension funding levels and costs have stabilized, although not

for all plans The number of public employees and their salaries have stagnated or grown below historic norms

since the Great Recession Federal interest in expanding public pension oversight and regulation looms Pension reforms in recent years Every state modified public pension benefits or financing arrangements, or both, since 2009 Lower benefits:

higher retirement age more required years of service lower multiplier longer vesting period reduced, suspended or eliminated COLAs

Increased use of hybrid retirement plans Newly-hired state employees in Oklahoma as of 11/1/15 have only a defined contribution plan Many municipal plans also have been reformed States that increased employee contributions 37 states States that reduced pension benefits 40 states States that reduced automatic COLAs 31 states Primary areas of change since 2009 Shifting plan costs and risks to employees

Higher employee contribution rates Greater use of hybrid plans Linking COLAs to investment performance or funding level

Lower benefits Reduced benefit accrual rates Longer vesting periods Higher age More years of service Reduced COLAs

The meaning and implications of an actuarial funding ratio An actuarial funding ratio is the most popular and recognized metric of a pension plan's condition By itself, this ratio is not a reliable indicator of the condition of a pension plan The actuarial funding ratio is akin to a single snapshot of a movie that lasts for decades Other key considerations in evaluating a pension plan's condition:

The fiscal condition of the pension plan's sponsoring government The commitment of the sponsoring government to pay required plan costs The current and required cost of the plan

PRIME TIME—June 2017—Page 3 continued on Page 4

Questions regarding supple-mental insurance programs? Please contact: Pacific Group Agencies, Inc. Member Services Administra-tion 25876 The Old Road, #11 Santa Clarita, CA 91381 800-511-9065 fax: 800-549-0059 e-mail: RESBC@pgagencies.com www.pgagencies.com/resbc

The reasonableness of the plan's actuarial assumptions and methods The trend, or direction of the plan's funding condition The plan's demographics

Legal Protections Public pension benefits already earned are protected by the US Constitution, particularly the

property rights clause of the Fifth Amendment The right to future benefits varies from state to state Some states include specific pension protections in their constitutions California relies heavily on case law to forbid changes that would diminish benefit levels for par-

ticipants already in the plan; this is the "California Rule" California's pension legal protections are among the strongest in the nation Challenges to the California Rule may be considered by the state supreme court Legal Rulings Many state pension reforms that affected current plan participants provoked lawsuits An unprecedented number of legal rulings on public pension issues have been issued since 2010 Rulings have run the gamut, from affirming to rejecting states' authority to reduce benefits and

increase contributions Rulings in some states have contradicted rulings in other states on the same basic issues Federal bankruptcy rulings in 2014 in Detroit and Stockton, CA permitted reductions in pension

benefits despite strong pension legal protections in those states

Pension challenges facing state and local government For some states and cities, adequately funding their pension will be a challenge, especially for

those with large unfunded liabilities Funding challenges are exacerbated by:

low interest rates declining projected returns, and improving mortality

PRIME TIME—June 2017—Page 4

Easy Ambrosia Dump Cake

1 can (15 oz) tropical fruit salad 1 can (20 oz) crushed pineapple ½ cup maraschino cherries ½ cup shredded coconut ½ cup (1 stick) unsalted butter, melted 1 box pineapple or yellow cake mix (2 layer size) Spray slow cooker (4-6 qt) insert with non-stick spray. Add the cans of fruits (including liquid), cherries and coconut; stir to combine. Top the fruits with the dry cake mix. Drizzle melted butter on top of the cake mix. Cover and cook on HIGH 4-6 hours or LOW 6-8 hours. Serve warm - great with whipped cream or ice cream. Serves about 8. Enjoy!

SYMPATHY CARDS are sent

to families of our members whenever we are notified of a death. GET WELL CARDS are also sent to our members

who are experiencing health problems. Please call Sue Shuey at: 760-515-6095, or you may email her at: sshuey7@aol.com if you know of someone who would be cheered by receiving a card from RESBC.

There are always many things to do when you move to a new address. One of the most im-portant is to let the Retirement Board know your new address so you won’t miss receiving your pension check. On their change of address form is a place for you to sign that au-thorizes them to release your new address to RESBC. It would also be wise to send RESBC a letter, or postcard, telling us directly that you have moved. Mail changes to: RESBC, PO Box 2323, San Bernardino, CA 92406-2323.

MY APOLOGIES by Doug Brogdon Membership Chair

You may recall that an article of mine appeared in the March 2017 edition of the PRIME TIME. In my haste to “shake things up” as the newly ap-pointed Membership Chairper-son for RESBC, I made a cou-ple of statements which have since been proven to be inaccu-rate, at best. In that article I stated, and I quote, that RESBC is “about having worked for the County. It’s about being retired from San Bernardino County employment.” Shortly after the article ap-peared, I received an email from a very astute and well-spoken retiree. This retiree po-litely indicated that she was in-deed a dues-paying member of RESBC but, in her twenty-nine plus year career, she never worked one second for the County of San Bernardino. What? How can that be? Isn’t RESBC an acronym for Retired Employees of San Bernardino County? In my haste to reach out to our membership, I failed to ac-knowledge the other 21 mem-ber organizations which are part of the San Bernardino County Employees’ Retirement (SBCERA) Plan. As such, retir-ees from these organizations are eligible for membership in RESBC. I would like to thank the afore-mentioned RESBC member for “calling me out” and setting the record straight. I would also like to apologize to those RESBC

PRIME TIME—June 2017—Page 5

members who retired from a member organization other than the County of San Bernardino. It was never my intention to in-sult or disrespect you. Your membership accounts for 10.6% of our total membership in the Retired Employees of San Bernardino County. While we would certainly like to see that percentage increase in the future, I would like to thank you for your support of RESBC. It is, after all, your organization. In a further attempt to right my wrong, I would like to invite ALL members to our Mid-Year Luncheon to be held at the Scottish Rite on Monday, June 26, 2017. You will find a reser-vation form in this current edi-tion of the PRIME TIME. Historically, the vast majority of attendees have been retirees from San Bernardino County employment. It would be great to see our retirees from the other member organizations. Plus, it would give you a chance to meet, up close and personal, those members of your RESBC Executive Board who volunteer many hours of their time to the administration of your retire-ment organization. Hope to see you there! Doug email: dugs07fltr@gmail.com

EDITOR’S REMINDER

PRIME TIME is not published during the summer months of July and August. Next issue will be September 2017.

Good to Know

Equal parts water and vine-gar make windows gleam. Also, if you rub a little on your glasses, the world will be brighter!

QUESTIONS FOR THE BOARD OF RETIREMENT?

Any questions you may have concerning your pension, or re-tirement, must be answered by SBCERA (Retirement Board). Please call 909-885-7980, or toll free 877-722-3721. There is also information on the SBCERA website: www.sbcera.org

Address is: 348 W. Hospitality Lane, 3rd Floor, San Bernar-dino, CA 92415-0014.

Hi Cap is a non profit organiza-tion that will assist seniors in de-ciding which supplemental in-surance is best for them to add to Medicare benefits. The phone number is: 800-434-0222

Benefit Bits by John Michaleson

You may have heard, or read, about the California Public Pen-sion Rule. Two recent court rul-ings have weakened the two decades old State Supreme Court ruling that most believed protected public retirements in California from being reduced once a person started service in a public agency in California. The State Supreme Court ruling stated that "future accruals are promises that government can-not impair without violating the contract clauses of the state and federal constitutions." Es-sentially it was saying, Califor-nia public workers' pension for-mulas can be increased during their working years but never decreased. Neither recent court rulings sug-gest that workers already retired can have their pension benefit reduced, however, they are say-ing that short of "a radical re-duction of benefits or a fiscally unjustifiable increase in em-ployee contributions, changes can be made until the time the worker retires". This is being interpreted that a current worker would retain whatever retire-ment benefit formula they had worked under to the point a re-duction is made. Then if a re-duction is made, as long as it is not "radical", it would apply to all future years from that point forward until retirement. Most predict that both new rul-ings will be appealed to the State Supreme Court who is likely to have the final say in the matter. Let me stress that nei-ther of these rulings will effect

still covered and have not been replaced, say by a generic. I have found the website Medi-care.gov is an excellent re-source when reviewing Medi-care coverage and available in-surance types and companies. The way that I was reminded of this "California Rule" occurred in my review of my own situa-tion. I was able to change my insurance company and meas-urably reduce my premium with only a minor reduction in my benefits. Questions or comments to John Michaelson at: johnmichaelson1@verizon.net or 909-821-2279.

current retirees, but I mention it here to suggest that anti-public pension efforts are far from dead. On to Medicare. The health in-surance industry uses the same phrase, "California Rule", to de-scribe a different situation, one I had forgotten about until just recently. I don't believe it has application to those who get their Medicare coverage via a group plan such as the County offered insurance policies. It does apply to those of us in California who get our coverage as a single individual from a broker or directly from a health insurance company. The indus-try often refers to these as "street plans". If you are in this situation, you are probably aware that you can change plans during the Medicare open enrollment period without too much trouble. This period is in late November until early De-cember. The part I had forgot-ten was that, if you are in Cali-fornia and have an individual or street plan, you also have an open enrollment period from 30 days before and 30 days after your birthday with the significant benefit of not being subject to a medical review. An additional reminder on Medi-care, particularly if you have a street plan, is that it pays to in-vestigate prices and benefits as they all can change and often do. When you get those notifi-cations from Medicare and your insurance company you should pay attention and double check to make sure your doctor is still covered by your plan, and that any medications you are on are

PRIME TIME—June 2017—Page 6

BEYOND RETIREMENT

(through April 29, 2017)

In Memoriam

Peggy Amundsen

Donna Asher Feliciano Aurelio

Michael Birch Dolores Brown Bernice Buhl

Shirley A. Chaney Marc A. Divine John Duncan Donald Gillis Oliver Gray

Robert Hignight Robert Hillis

Marian Hughes John R. Hurst

A.C. James, Jr. Frank Lee

Helen Lehto Ida Lucas

Margaret Murphy Genevieve Pate

Lee Taylor Kenneth Trickett

“As long as I live, you will live; As long as I live, you will be

remembered; As long as I live, you will

be loved.” ~~Unknown

Editor’s Note: If you have recently joined RESBC and do not see your name, please keep watching. There is a time lapse be-tween when you submit your payroll deduction paperwork and when we are notified you have joined us. If you don’t see your name after two months, please let us know.

TREASURER’S REPORT April 2017

April 1, 2017 Balance 101,536.46 REVENUES Dues 5,440.00 Interest 21.07 TOTAL REVENUES 5,461.07 EXPENDITURES Recruitment 29.70 Administration Door prizes 20.00 Cards/letters 89.51 Supplies/stationery 64.48 Other 442.28 Newsletter Printing 3,070.39 Postage 1,292.25 TOTAL EXPENDITURES 5,589.19

April 30, 2017 Balance 101,408.34 PERB Designation Balance 55,659.35 Checking Account 4,231.16 Savings Account 30,787.98 CDs 66,274.09 Petty Cash Fund 115.11 Total 101,408.34

A.B. Brand Treasurer

Membership 5,440

PRIME TIME—June 2017—Page 7

Why do we call it?

“The Limelight” - because theater spotlights used to burn lime to create light.

“The Fuzz” - because Lon-don bobbies once wore fuzzy helmets.

CRCEA Spring Conference April 24 – 26, 2017

by Doug Brogdon, Membership Chair From the dangers posed by the Zika Virus, to the beauty and grandeur of the Santa Barbara Chan-nel Islands, many interesting facts were shared on a variety of subjects at the 2017 Spring Confer-ence of the California Retired County Employees Association (CRCEA). For instance, did you know that the two species of mosquito recognized as carriers of the Zika Virus prefer the habitat of grass-lands, as opposed to the marshes and/or stagnant ponds commonly associated with this insect? Or, were you aware that the Santa Barbara Channel Islands represent a National Park, and as such you can gain entrance, free of charge, if you are a holder of the National Parks Senior Pass? I had the distinction of representing RESBC as its delegate to the conference. As such, I joined RESBC President Argie Brogdon and PRIME TIME Editor Virginia Adams as attendees. However, Virginia was attending the conference in her capacity as CRCEA Secretary, so she went on their dime. Since I bunked with President Argie, we were able to save RESBC a considerable amount of money. If nothing else, we are a frugal group! The conference began at 9:00 a.m. on the morning of Monday, April 24 with a call to order by CRCEA President Skip Murphy. The Presentation of Colors was done by the Ventura County Sher-iff Honor Guard, and attendees were led in the Pledge of Allegiance by CRCEA Vice President, Mike Sloan. A special treat was listening to our National Anthem sung by Elaine Crandall, Director of Ventura County Behavioral Health. A roll call of counties was made, and first-time attendees were asked to introduce themselves and state from which county department they had retired. Of course, I was roundly booed, good naturedly (?) of course, when I introduced myself and an-nounced that I had retired from the Office of the Treasurer-Tax Collector! The Keynote Speaker for the day was Steve Bennett, Ventura County Board of Supervisors, 1st Dis-trict. Supervisor Bennett’s main message was that the current flavor of our society is one that does not value government employees. The vast majority of our population is resentful of government (county) pensions. Supervisor Bennett urged all of us to turn the conversation from Pension Reform to Social Security and Medicare Reform. Later that morning, a presentation was made on the Demographics of the Pension System by Linda Webb of the Ventura County Employees Retirement Association (VCERA), akin to our SBCERA. Ms. Webb confirmed that pension plans are indeed under attack. She posed the question, “Is my pension safe?” As far as demographics go, Ms. Webb indicated that there are still Traditionalists among the retiree population, but most current retirees are Baby Boomers, with Generation X soon to follow, and Millennials off in the future. She did indicate that Millennials will make up 50% of the workforce by the year 2020. The April 24 morning session concluded with a presentation by Jerry Yen of Guided Choice. His presentation focused on “It’s Not Too Late To Get Financially Fit”, and he offered methods by which seniors and retirees can save money via coupon cutting, shopping at discount stores, taking advan-tage of senior discounts, etc.. The afternoon session on April 24 began with a presentation by Scott Barash, administrator for the Ventura Employee Assistance Program. Mr. Barash's focus was on “High IQ for Emotional and Mental Health”. He touched upon what he referred to as “forced retirement”, often caused by injury or illness (self or family member), burnout or executive shift. He offered the following statistic, which was very surprising to me; upwards of 70% of retirees end up in part-time work!

continued on Page 9 PRIME TIME—June 2017—Page 8

Elizabeth Chapin, park guide for Channel Islands National Park, introduced us to the beauty and grandeur of the five islands that make up the park. She spoke of the geographical aspects of the islands, as well as the flora and fauna which populate them. Although the prior speakers provided valuable information to us as retirees, Ms. Chapin's presentation was a welcomed relief from the “business as usual” aspect of the conference! The afternoon session concluded with a presentation by Dr. Barbara Spraktes, Epidemiologist for Ventura County Public Health Services. While much of Dr. Spraktes' focus centered on the dangers of the Zika Virus, she also spoke on such communicable diseases as Malaria and Chikungunya. Turns out that the mosquito is also a carrier of these viruses. Mosquitoes; the bane of our exis-tence!! Dr. Spraktes admonished us as travelers and tourists to be properly inoculated, and to re-search and investigate any health issues which may be affecting the countries to which we intend to travel. The Tuesday, April 25 morning session was called to order at 8:30 a.m. by CRCEA President Skip Murphy. Dr. Thomas Duncan, Trauma Medical Co-Director of Ventura County Medical Center was subsequently introduced. Dr. Duncan explained how falls can lead to a multitude of complications and related conditions. He went on to say that falls of the elderly (65 years +) mostly occur in the home, and are normally the result of buckled rugs or carpets, slippery flooring, or misplaced items in walkways. Eric Peterson, LPL, Financial Manager, next identified what he felt to be the five most common fi-nancial mistakes. They are: 1.) Keeping the wrong amount of cash in savings and checking ac-counts, 2.) Improper ownership or beneficiary designations on accounts, 3.) Excessive monetary gifts to family members, 4.) Not having an investment strategy, and 5.) Dealing with the wrong type of investment counselor for you. Immediately prior to lunch, Debbie Deem, FBI Victim Specialist, gave her presentation entitled “Driven to Death by Scammers”. Some of the more important admonitions of Ms. Deem were to: 1.) Check your credit report often and dispute any mistakes you may find, 2.) Request a Fraud Alert on your revolving charge accounts and, 3.) Never, never agree to pay a fee to a telephone solicitor in order to receive your “FREE” gift. Upon returning from lunch on Tuesday, April 25, Round Table Discussions were held by various “interest groups”. I met with the Membership Chairs of the various counties in attendance. Many suggestions were made in the interest of increasing active participation in our respective retirement associations. For your consideration as RESBC members, here are some of those suggestions:

Establish a Scholarship Program Solicit merchants for discounts to RESBC members Organize golf tournaments RV outings Bus trips to sporting events Casino Day

The final presentation of the afternoon was provided by Michael J. Bidart, Trial Lawyer, reporting on the status of the Class Action Lawsuit against California Public Employees Retirement System (CalPERS) Long-Term Care Insurance. Updates for the month of April 2017 reflect that Towers Watson, the actuarial firm responsible for setting CalPERS' premiums for the Long-Term Care (LTC) Program in 1995, filed a Motion for Summary Judgement seeking the dismissal of plaintiffs' claims on the grounds that they were barred by the statute of limitations and that Towers Watson did not owe the plaintiff a duty. Before the motion took place, Towers Watson and Plaintiffs reached

continued on Page 10 PRIME TIME—June 2017—Page 9

NEW MEMBERS

(effective April 1, 2017)

Lorraine Aguirre Roberta Albano

Glen Bales Brian Barrie

Michele Benedict Timothy Branske

Sharon Brown Patrick Bryan

Margaret Chandler Cain Selma Cameron

Stephanie Chandler James Clouet

David Coel Kimberly Colver Connie Dawson

Connie Day Donald L. Dougan Bonnie Edwards William Freund Isaias Gomez Maria Gomez Gale Graab

Debborah Harper Roger Harrison Robert Heard Becky Henry

Nora Hernandez Doyle Jenkins

Amy Johnston-Baumstark Sue Keiger

Kenneth Lewis Lynda Louden

Steven MacKenzie John Marhoefer

Ronald Matsumoto Kathie Montes Laura Morgan

Michael Mormann Maria Ortolani

Cynthia Prater-Buren Debbie Quiroz

Luz Recca Jeffrey Resch Judy Riesgo

Carolin Rivera Angelica Rojas-Castro

Shirleen Ross Claudia Rozzi

Matthew Schilling Charles Seper

Mary Ann Shelton Emma Sircar Melvin Sircar Rena Snider

Kenneth Tortez

a preliminary settlement. Under the terms of the settlement, Towers Watson will be paying $9.75 million to settle the claim against it. This partial settlement only impacts the claims against Towers Watson and WILL NOT IMPACT THE CLAIMS ASSERTED AGAINST CalPERS AS THE MAIN DE-FENDANT IN THE CASE. Said case is set for trial in October 2017.

The evening of April 25 was capped off with a dinner banquet held at the Crowne Plaza, Top of the Harbor. Yours truly walked off with a bottle of Rancho Ventavo Merlot, Vintage 2009, as a door prize!

Getaway Day was Wednesday, April 26. But before heading for home, delegates of the various counties in attendance met for a business session and round table discussion. Of concern was the safety of our pension plans, the rising costs of the CRCEA Conferences, and whether or not consid-eration should be given to either holding the conferences over a weekend or shortening them to a single day.

The 2017 CRCEA Fall Conference will be hosted by Alameda County and held from October 23 to October 25 at the Hilton Garden Inn in Emeryville, CA.

Doug Brogdon (909) 725-7055, or via email: dugs07fltr@gmail.com

Ronald Usry Rebecca Valenzuela

Robert Weems Darla Welton

Barbara J. Williams Pearlie Williams

Rachel Wold Scott Wold

Kelly Wolfswinkel Richard Woodsum

PRIME TIME—June 2017—Page 10

How to Feel Less Lonely

Join a book club Visit local community or

senior center Learn to use a computer at

a local library Contact friends and rela-

tives with whom you have not spoken in a while

Make friends with neighbors Volunteer Mentor a foster child Learn a hobby Reach out to someone else

who may be alone

DATE: Monday, June 26, 2017 LOCATION:

Scottish Rite 4400 North Varsity Avenue San Bernardino TIME:

Social Hour starts at 11:00 a.m. Lunch will be served at noon.

PLANS FOR OUR JUNE/MID-YEAR LUNCHEON HAVE BEEN SET!

PLEASE JOIN US!

COST: $20 per person MENU:

Roast beef with vegetable medley, mashed potatoes and gravy

Malibu Chicken with vegetable medley and rice pilaf

Cheese stuffed pasta shells with vegetable medley

All lunches served with salad, dinner rolls and butter, coffee, iced tea, and dessert.

Sharing good conversa-tion and food with friends!

Door prizes and roll call

of departments.

RESERVATION — RESBC JUNE/MID-YEAR LUNCHEON Monday, June 26, 2017

Scottish Rite, 4400 North Varsity Avenue, San Bernardino

MAKE CHECK PAYABLE TO: RESBC (DEADLINE: Wednesday, June 21, 2017)

MAIL TO: RESBC, P.O. Box 2323, San Bernardino, CA 92406-2323

Number of Reservations at $20 each _________ Total Enclosed ____________________

Please list names and the department from which each member retired; also list names of guests.

Please check meal choice for each attendee:

NAME/DEPT___________________________________________ _____ Roast Beef _____ Malibu Chicken

_____ Cheese Stuffed Pasta

NAME/DEPT___________________________________________ _____ Roast Beef _____ Malibu Chicken

_____ Cheese Stuffed Pasta

GUEST________________________________________________ _____ Roast Beef _____ Malibu Chicken

_____ Cheese Stuffed Pasta

GUEST________________________________________________ _____ Roast Beef _____ Malibu Chicken

_____ Cheese Stuffed Pasta

RETIRED EMPLOYEES OF SAN BERNARDINO COUNTY

P.O. BOX 2323 SAN BERNARDINO CA 92406-2323

RETURN SERVICE REQUESTED

DATED MATERIAL

PRIME TIME is published monthly from September through June (with a combined December/January is-sue) by the Retired Employees of San Bernardino County, P.O. Box 2323, San Bernardino, CA 92406-2323. Please send changes of ad-dress to the address above. Monthly dues are paid by payroll de-duction only. For information and/or a payroll deduction form, please con-tact Doug Brogdon, Membership Chair dugs07fltr@gmail.com 909-725-7055 PRIME TIME membership/mailing list:

Coby Hinkle 909-883-2378 cobykay@roadrunner.com Argie Brogdon, RESBC President 909-864-0793 argiendoug@aol.com Virginia Adams Editor, PRIME TIME 909-790-7199 lvlyva@msn.com

NOTICE: The information pre-sented in PRIME TIME is believed to be from reliable sources. How-ever, no responsibility is assumed by RESBC, the Editor, or the writ-ers, for inaccuracies in articles published.

Spouses of deceased RESBC Members are eligible to become Associate Members of RESBC. If you would like more information, please contact our Membership Chair, Doug Brogdon, by writing to P.O. Box 2323, San Bernardino, CA 92406-2323, or via email: dugs07fltr@gmail.com

Privacy Statement:

RESBC is very aware of the need for the privacy of its members and is committed to protecting your per-sonal information. The only infor-mation RESBC has about you is your name, mailing address, and payment of membership dues. RESBC does not sell or share our member list. RESBC does not dis-close any of this information about our members to third parties. The companies with which RESBC does business, such as LFG Solu-tions (for mailing PRIME TIME) and P a c i f i c G r o u p A g e n c i e s (supplemental insurance) are obli-gated to keep your information con-

RESBC MISSION STATEMENT

As a voluntary non-profit associa-tion, the singular goal of the RE-TIRED EMPLOYEES OF SAN B E R N A R D I N O C O U N T Y (RESBC) is to support and cher-ish the obvious need to maintain and improve our quality of life during retirement. The focal points of RESBC are to: keep its members informed and knowl-edgeable about retiree issues and concerns; provide programs and information on topics that will give members insight into the challenges affecting seniors; and focus on benefits retirees have earned, and, in the process, fos-ter friendship and positive rela-tionships among all retirees.