HERALD Official Organ Of The Slavonic Be evolent Order Of The State Of Texas. Founded 1897
RFN, VOLENCE
VOLUME 55 — NO. 42
BROTHERHOOD
HUMANITY
Postmaster: Please Send Vorm 3579 with Undeliverable Copies to: SUPREME LODGE, SPJST, FOB 100, TEMPLE, TEX. 76501
OCTOBER 8, 1987
FROM THE EDITOR'S DESK INSURANCE FOR MOTHER
THOUGHTS .. .
Mother in her role as housekeeper, is coming into her own as a subject for insurance.
Advice is one thing most people would rather give than receive. • • Some men succeed because they are destined to; others because the y are determined to.
We have come in recent years to realize that her death can bring on serious money problems — not only paying the doctor in a terminal illness and funeral expenses, but also paying someone to replace her services as housekeeper which we normally take for granted.
The best way we can convince another of our honesty and good judgment is to tell him something he already knows to be true, such as personal compliments.
Mother's position calls for playing multiple roles in the home. She is a sometime nurse, dietitian, bookkeeper, purchasing agent, social secretary, teacher, and occasional chauffeur.
The kid who got a nickel for taking out the ashes 30 years ago now has his own kid who gets two bits for turning up the thermostat.
On the matter of life insurance for mother, estimates place the need to pay immediate bills in the event of her death at about $2,500. To this must be added a minimum of $50 a week for a professional housekeeper who will take over the normal chores of running the house and making certain that everything in and around it ticks. That means an expense of around $2,500 a year -- or $7,500 for three years. Add the immediate cost of $2,500 to this $7,500 and you have a need for $10,000. At mother's age 30, life insurance to cover that sum would cost about $50 a year if a term policy were
written, $150 a year if it were permanent, cash-value insurance. The value of the permanent policy is that it represents a kind of forced saving, and the policy itself later on could be used for such purposes as helping to pay for the children's education or helping to give you a worryfree retirement. • • Insurance Vanity A businessman who has bought a good deal of insurance asked himself what was the prevailing motive for his buying. It could not be fear, because
he was both wealthy and childless. After some study he finally put the cause down as vanity. It was a matter of pride with him, he, admitted privately to himself, to die and leave a big estate. He asked an insurance salesman if this were not frequently true of other men. He was told that some men keep themselves nearly starved through life so as to leave an impressive estate. The salesman admitted that after he finds what a man's particular vanity is, his selling job is simplified. 'If he takes extraordinary pride in his chicken coop then he will see to it that the coop is amply insured,' said the agent. Or if he is proud of his library; or his automobile, or his children, he wants protection for these. Pride is always a better selling motive than fear.' ♦ • Infant Mortality Rate Still Toe High The first startling moments of life are still the most dangerous ones. In the U.S. two out of five infant deaths occur in a child's first day and more than two out of three in his first week, the Population Reference Bureau in Washington, D.C., says. This is true even though figures released by the U.S. Public Health Service show a drop in the infant mortality rate to an all-time low for the nation durin g the first six months of 1987.