Vrisr,3.,"ctc\ -c> 6 -8•A• • '), ‘
VE not.
• Of The State Of Texas, Founded 1897 Official Organ Of The Slavonic Benevolent Oder HUMANITY
BROTHERHOOD
Postmaster: Please Send Form 3579 to: SUPREME LODGE, SPJST, P.O. Box 100, Temple, Texas 76501 VOLUME 62 — NO. 17 MAY 1, 1974
FROM THE EDITOR'S DESK Saturday, April 20th, the Czech Ex-Students Association of Texas met at Austin, in the continuing' effort to bolster and aid the teaching and studying of the Czech language in our colleges and schools in Texas. We were not able to attend the meeting, however, we did get to attend the social and gathering at SPJST Lodge Praha No. 29, Taylor, later that Saturday. We were glad to meet with all of the professors present: Skrivanek — TAMU, Jacobson — TU, Habana — U of H, Chervenka — TJC, plus many others. We thoroughly enjoyed the evening and left feeling that there was real interest among the younger people in attempting to further the bilingual aspect of the teaching of languages of higher learning in our state's institutions of higher education. More about that later. We call your attention to the reference, on page 3, to the workshopS to be conducted by the Supreme Lodge and also, concerning the referendum (under the Supreme Lodge heading), in this issue. They both are very important. One to the lodge officers and the other to the delegates to the XXIst convention. Suddenly you and your family want to take a hard-earned vaca-
BEYOND THE BEND Just beyond the bend of winter When you hear the robins sing; Just before you get to summer Is the halfway house of spring. There you see the grass grow greener Than it was the day before; There you watch the leaves and blossoms Open out a little more. Oh! how often we would linger When we hear the robins sing, Just around the bend of winter, In the halfway house of spring! tion. Or you would like to buy a bigger iefrigeratot-freezer for an expanding family. Or you have a desire to get into the stock market. After surveying all the possible ways to raise the needed money for your intended project you have decided to borrow on your life inaurance policy. But wait a mMet° Borrowing on your policy may be a quick, easy way to get some money, but it could involve some risk because it immediately reduces your family's insurance protection. Prudent families regard the loan value of their life insurance as an emergency source of funds to be used only as a last resort.
When that emergency hits — illness, for example — funds are avail able promptly from your life insurance company. Here are some things you should know about policy loans: If you shculd die before repaying, the full balance due plus all accrued interest would be deducted from the proceeds of your policy. Your family would get that much less, probably at a time when they needed every penny. *Unlike most consumer loans -Irorn bankS, finance companies, credit unions and other lenders -a pciicy loan does not carry credit life insurance protection to wipe out your debt if you should die. As a counterbalance, however, many policies provide that dividends can be used to purchase one-year term insurance without a physical examination, up to the amount of cash value in the policy. The loan value of your policy provides a safety marghi to keep your life insurance in force, if, in a future financial crisis, you shculd be unable to pay your premiums when they fal due. But, if you have already borrowed heavily on the policy, you will have little or none of this safety margin left. If you fail to pay the yearly intei est on a policy loan, it is added