Changing to meet the needs of fraternalists.
ESTN SPJST Herald
"Joining Hands To Touch Lives— Fraternalism for the Family and Our Nation"
Official Publication of The Slavonic Benevolent Order of the State of Texas Founded 1897
BENEVOLENCE
HUMANITY
VOLUME 87 NUMBER 8
BROTHERHOOD
Postmaster: Please Send Form 3579 to: SPJST Home Office, P. 0. Box 100, Temple, Texas 76503 ISSN-07458800
March 3, 1999
IN A TRIP!
SPJST's 1999 Membership Drive * Contest Dates: March 1 - July 31, 1999
LAS VEGAS* + SIX FLAGS* 4-N-- SEA WORLD *OR $500 CASH! or 25 NEW MEMBERS IS ALL IT TAKES!
HERE ARE THE DETAILS! The SPJST is rewarding every member who recommends 25 new members or 25 new insurance certificates with their choice of a trip to Las Vegas, SeaVVorld in San Antonio, Six Flags in Arlington or $500 cash! Help us recruit 50 new members or 50 new insurance certificates and win two trips or cash options!
Inform your lodges sales representatives of people who want to join the SPJST, or complete the coupon which appears on the back of this week's Vestnik. Insurance applications must be issued to count towards contest. Contest excludes annuity and modified whole life. Sales representatives and their immediate families are encouraged to recruit new members but are not eligible for trips or prizes.
IRAs offer sound option to SPJST members planning for retirement With
April 15 fast approaching, a lot of us, I know, are thinking about taxes and planning for ways to secure our families' financial well being. In planning for your future, an SPJST Individual Retirement Account (IRA) may;be of interest to you. Today, one of the greatest challenges facing American workers is assuring their financial security in retirement. With uncertainty over the adequacy of Social Security to meet the needs of future retirees, Americans now and in the future will be forced to rely more heavily on their own resources to support their retirement lifestyle. At the same time, the world of employee-based pensions is changing, too. Much less common today is the employer-sponsored defined benefit plan, the kind of plan that assures former employees of a dependable income throughout their retirement years. The pension world is changing to one in which employees must make the decision to save for retirement. And, even when an employer plan is available, employees may be required to make most or all of the contributions.
How can I begin to save for retirement? Individual retirement arrangementsIRAs—are one of the most viable answers to the question of how to assure a secure retirement.
Traditional IRAs offer: independence, and can be opened and funded without any employer participation, • immediate tax benefits, with con tributions and/or earnings taxdeferred until retirement, • accessibility, with funds always available, something not generally true of employer plans, and • flexibility, because there is no minimum contribution in any year, and you choose your own investments and financial organization. Who can contribute, and how much? The requirements for contributing to an IRA are few.
You can contribute: • if you are under age 70 112,
Family Fun and important SPJST Dates March 6
State Straight Domino Tournament At Lodge 6. Cottonwood.
March 7 March 7
District. Five Spring Meeting atiLodge 88, Houston District Six Spring Meeting at Lodge 23, Moravia Youth Leaders' Workshop Youth Club Quarterly ReportsDue
March 12 - 14 March 15
March 20
State NV Domino Tournament p Lodge 15, Buckholts
March 21 March 31 April 2 April 10 April 10 April 11 April 18
District TWO "Spring "Meeting at Lodge 47, Seaton 100 Pennies Scholarship Drive Ends District Three Lock-In at Lodge 84, Dallas Finance Committee Meeting, SPJST Home Office Publication Committee Meeting, SPJST Home Office District One Spring Meeting at Lodge 9, Snook Golf Tournament at Turtle Hill Golf Course, sponsored by Lodge 5, Pilot Point - Tioga District Three Spring Meeting First Fry at Lodge 142, Houston Mothers Day Barbecue at Lodge 24, Cyclone Texas Spring Gala at L,odge 24, Cyclone l_eader-in-Training Teen Leadership Workshop District Six Camp - Camp Lone Star District Four Youth Achievemen ∎ bay at Lodge 160, San Angelo District Two Youth Achievement Day at Lodge 24, Cyclone District Three Youth Achievement Day at Lodge 6, Cottonwood District Five Youth Achievement I)ay (Site: To Be Announced) District Seven Youth Achievement Day in Florewille District Two Camp at Camp Val Verde District One Youth Achievement Day at Lodge 186, Caldwell District Five Camp at Camp HEB District One Camp at Camp Val Verde SPJST State Royalty in Temple SPJST State Youth Achievement Day in Temple SPJST--
April 25 May 1 May 9 May 15 June 5 - 7 June 18 21) June 26 June 27
• if you have earned income from employment,
June 27
• up to a maximum of $2,000 ($4,000 for spouses).
June 27
Are all traditional IRA contributions tax deductible?
June 27 July 9 - 12 July 11
One of the immediate benefits of contributing to an IRA is a tax deduction many receive on their income taxes. IRA contributors receive a 100 percent deduction on their annual contribution if
„July 18 - 23 July 19 - 22 August 7 August 8
(Continued on page 3.)
Parents can claim prizes for young adults under the age of 18. Las Vegas trip includes airfare and 3 days, 2 nights hotel accomodations for two people. Six Flags and SeaWorld trips include hotel 2 days, 2 nights hotel accommodations and theme park passes for four people GOOD LUCK!