Vestnik 2000 01 19

Official Publication of The Slavonic Benevolent Order of the State of Texas, Founded 1897

BENEVOLENCE

HUMANITY

BROr�

Postmaster: Please Send Form 3579 to: SPJST Home Office, P. 0. Box 100, Temple, Texas 76503 VOLUME 88 NUMBER 3

ISSN-07458800

January 19, 2000

SPJST Member Services Directory 2000 Edition

repo morn prod CiS to other SP,101

2/VESTNIK—Wednesday, January 19, 2000

VESTNIK VESTNIK (USPS 658480) is published weekly except the fourth week of June and fourth week of August

by VESTNIK, P.O. Box 100, Temple, TX 76503-0100. Subscription rates are $20 per yea for non-members.

Members' fees are paid as part of the insurance fee collected by the Supreme Lodge SPJST, 520 North Main, Temple, TX 76501. Secondclass postage paid at Temple, TX and additional mailing offices.

POSTMASTER: Please send address changes to: VESTNIK c/o Financial Secretary Jerry Mikulas, P.O. Box 100, Temple, TX 76503-0100.

SPJST Home Office P.O. Box 100 Temple, TX 76503-0100 (254) 773-1575 WATS: (800) 727-7578 Fax: (254) 774-7447 spjst.com info@spjst.com

VESTNIK Editor Brian Vanicek

SPJST Home Office P.O. Box 100, Temple, TX 76503-0100 Office Phone: (254) 773-1575 Home Phone: (254) 985-0007 bvanicek@wm.com OR info@spjst.com

SPJST OFFICERS President Howard Leshikar

Office Phone: (254) 773-1575 Home Phone: (254) 771-1359 Vice President Leonard Mikeska

ABOUT THE DIRECTORY: The 2000 SPJST Member Services Directory

provides a listing of SPJST sales representatives and members who are in positions to provide various products and services for other SPJST members. The directory is published for the sole use of our members and is based on the idea of "members helping members." In compiling the directory, efforts were made to include the broadest range of service providers possible. The publication of any subsequent directory will be posted in the SPJST's weekly newspaper, Vestnik, and announced throughout the districts.

STATE FIELD REPRESENTATIVES Monday through Friday 8 a.m. to 5 p.m.

1-800-72-SPJST After Office Hours and/or Weekends, call: DISTRICTS ONE AND SEVEN Larry Wagner (830) 276-4414

OR (830) 742-4463 (Home) insagent@tex.net

DISTRICTS TWO AND THREE Jerry Kucera (254) 826-5425 DISTRICT FOUR (Part Time) Billy Rollwitz (915) 442-3038

OR (915) 442-3141 (Home)

DISTRICTS FIVE AND SIX Jim Wiest (361) 782-5597

Houston (713) 249-9596 Jimatspjst@aol.com

Office Phone: (254) 773-1575 Secretary - Treasurer Lanita Anglin

Office Phone: (254) 773-1575 Home Phone: (254) 985-2334 Financial Secretary Jerry Mikulas

Office Phone: (254) 773-1575 Home Phone: (254) 773-2950 Legal Advisor Sidney Kacir

Office Phone: (254) 778-5228 P.O. Box 5119 Temple, Texas 76505

SPJST DIRECTORS Donnie Victorick, District One

Home Phone: (409) 272-3265 P.O. Box 85, Snook, TX 77878 Frank Klinkovsky, District Two

Home Phone: (254) 773-4801 3514 Preston Oaks Drive, Temple, TX 76504 Johnnie Krizan, District Three

Home Phone: (254) 826-5882 11500 Heritage Parkway West, TX 76691 Stanley Broz, District Four

Home Phone: (915) 442-3271 P.O. Box 33, Lowake, TX 76855 Louis Hanus, District Five

Home Phone: (713) 686-6160 4006 Ascot Ln., Houston, TX 77092 Matt S. Vanek, District Six

Home Phone: (512) 578-2687 1009 Northgate, Victoria, TX 77904 Bob Bayer, District Seven

Home Phone: (830) 216-7954 1100 Hospital Boulevard Floresville, TX 78114

STATE FIELD MANAGER Gene McBride

No. 7 Frank James, MPR Belton, TX 76513 Office Phone: (254) 773-1575 Home Phone: (254) 780-1906

STATE FRATERNAL ACTIVITIES COORDINATOR (254) 773-1575 derose@stonemedia.com

Barbara Rosenkranz

STATE YOUTH DIRECTOR (254) 773-1575 melaniez@wm.com

Melanie Zavodny

DISTRICT YOUTH COUNSELORS Susan Skrabanek, District One

Home Phone: (409) 272-3440 Route Two, Box 13 Caldwell, TX 77836 Patsy Koslovsky, District Two

Home Phone: (254) 985-2396 764 S. St, Joseph Street Burlington, TX 76519 Bessie Petr, District Three

Home Phone: (214) 826-3557 5406 Morningside Dallas, TX 75206 Sandra Jansa, District Four

Home Phone: (915) 651-8045 6617 Plainview San Angelo, TX 76904 Marie Stayton, District Five

Home Phone: (713) 836-1609 1126 Prince Street Houston, TX 77008 Marcy Dorotik, District Six

Home Phone: (281) 679-5567 12939 Whiffington, Apt. No. 706A Houston, TX 77077 Liz Bielefeld, District Seven

Home Phone: (830) 393-6037 Box 154-B Floresville, TX 78114

Our Strength Rests in Our Diversity To

outsiders—the SPJST is a concept that is easily misunderstood. To some, it's merely an insur-

Mod-Term. A modern 10-year term product issued to ages 20-60, renewable to age 70 and convertible prior to age 65 with indeterminate premiums. Can be continued as an Annual Renewable Term certificate from age 70 to 95. Ask about original age enhancement option.

ance company; to others, it's a social club; and, finally, to others, it's a historical and heritage society.

Mod-20. A modern 20-year term product So who's right? issued to ages 20-50, renewable to age 70 At its best, the SPJST embodies the and convertible to age 65 with indeterminate premiums. Can be continued as an characteristics of all these definitions, Annual Renewable Term certificate from demonstrating that its strength lies in age 70 to 95. diversity. The SPJST is a society that Modified Premium Whole Life. Targets members can join for any number of rea- children and issued up to age 24. sons. It's a "package Affordable term converts to permanent whole life deal" built upon the at age 25. idea of addressing human needs—finanSenior Life. A whole life product designed as a cial, social and cultural. final expense certificate The ability to meet for ages 50 to 80. human needs and Eligibility determined by short medical questionuphold strong moral naire. Physical exam and values is the mortar blood test not required. that holds the SPJST Affordable and written with relaxed underwriting together. The fraternal requirements. component enhances membership by emLone Pay Life. A whole life product available phasizing the social with just one premium. and civic responsibiliThe certificate is then ties that members share paid-up. Issued to ages with each other and the Planning to build in 2000? 0 through 70. communities in which Check out details of SPJST's Adult and Juvenile they live. There are mortgage lending program Whole Life. A whole life product designed for both few limiting factors on pages 22 and 23. young and mature appliplaced on local lodges cants that offers affordand how they choose to meet their fra- able premiums and builds cash value. ternal obligations. Really, what it comes Adult and Juvenile 20-Payment Life. A down to is initiative and imagination. whole life product designed for both young The SPJST was chartered, in part, to and mature applicants with premiums payable for twenty years. Issued to ages 0 do the kinds of things that this country through 60. so desperately needs — "to encourage benevolence and humanity." By com- Annual Renewable Term (ART). A one mitting ourselves to doing those things year term product that automatically renews each year with applicable premithat make a positive difference, there ums. Issued to ages 16 through 65. Can remains great promise for the SPJST in be converted to permanent insurance prior to age 65. Term expires at age 70. the new millennium.

V` V Life Insurance and More

The 2000 SPJST Member Services Directory includes more than 400 business listings, covering a broad range of professional services. Thanks to everyone who participated in this year's directory. And, to those who didn't, please consider adding your business to next year's list.

In addition to the business listings contained herein, you will find local lodge contacts, including sales representatives, and general information about benefits available to qualifying SPJST members and prospective members.

The sale and purchase of insurance is necessarily a cornerstone of membership in the SPJST. As such, the Society offers a wide range of insurance programs, annuity plans and mortgage options designed to meet the needs of its members.

If you haven't purchased insurance in a while, you may be surprised -at the many affordable life insurance options available through your local lodge sales representative.

The following listing provides a brief summary of the insurance options that are available: Universal Life. A flexible protection plan issued to ages 0 to 80 which offers both a guaranteed and current interest rate on the cash value accumulation.

Term 4 Life Plan. Combines elements of both term and whole life insurance. The plan offers level lifetime coverage to age 99 and premiums which start at less than half of a guaranteed whole life premium.

Term to Age 65. Offers affordable term coverage with issue ages 16 through 44.

Convertible to permanent insurance prior to age 65.

Protector Plan. Designed as a reducing term insurance plan on two lives over a 20, 25-, or 30-year period. Pays off on the death of the first insured. Premiums are calculated on combination of two insureds ages. Can be used as a mortgage cancellation plan.

Twenty-, Twenty-five- and Thirty-YearDecreasing Terms. Offer affordable coverage with reducing (decreasing) death benefit applicable for selected period of time.

Annuities. Both qualified (IRA) and nonqualified are offered to SPJST members.

Interest rates are posted every week on page three of the SPJST's weekly newspaper, Vestnik. Contact the SPJST Home Office or refer to the Vestnik for current rates.

For more information and personal assistance on any of the above plans, please contact your local lodge sale representative. In closing, thank you, brothers and sisters, for your membership in the SPJST and for your efforts to make a positive difference in your community and the growth of our Society.

Fraternally, Editor Brian Vanicek, FIC —SPJST-

Wednesday, January 19, 2000—VESTNIK/3

The Basics of Buying Life Insurance

Local Lodge Information Lodges are listed in numerical order. Districts follow in parentheses. For lodge information, contact lodge secretary. For insurance information, contact lodge sales representatives. Listings reflect records as of January 13, 2000.

LODGE 1 FAYETTEVILLE (1) Lodge building is located on Highway 159, east of Fayetteville.

Secretary Irene Polansky (409) 378-2231

LODGE 14, WESLEY (1) Secretary Bessie Surovik (409) 836-5048 Vernon Ball

Sales Representative (409) 272-8146

LODGE 15, BUCKHOLTS (2)

Sales Representative (409) 378-2810 Rhonda Kim Kovar

Lodge building is located on Highway 36 west of Buckholts.

LODGE 4 HALLETTSVILLE (6)

Secretary Charlsie Svetlik (254) 593-4473

Secretary Margaret Smotek (361) 798-5926

Sales Representatives (254) 982-4912 Melissa C. Davis (254) 593-3081 Jeannette E. Glaser (254) 697-4231 Michael W. Hughes (254) 984-0388 Karen Heil Opferman

Sales Representatives (361) 798-3792 Mary Helen Matula (361) 573-5482 Annie Vahalik

LODGE 5 PILOT POINT - TIOGA (3) Secretary Elise Koerner (940) 686-2786 Sales Representatives (903) 564-7359 Dean Carender (903) 564-7359 Andrew Carender, Jr. (903) 564-5063 Lanny Jaresh (940) 686-2786 Elise Koemer Sherrie Kubala Watkins, FIC (940) 686-3367

LODGE 6, COTTONWOOD (3) From Interstate 35, take the West exit and stop at the blinking light. Go east at the blinking light and stay on Oak Street through downtown West. Take Farm Road 2114 East for 3 miles. Turn right on Czech Hall Road. The lodge hall is on the right about 1/2 mile down the road.

Secretary Barbara Jean Hykel (254) 826-4677 Lodge Hall: (254) 826-7782 Sales Representatives Robert Dobecka (254) 826-5663 Bernard Hlavaty, Sr., FIC (254) 826-4460 Johnnie Krizan (254) 826-5882 Ruth Krizan (254) 826-5882 Jerry E. Kucera, FIC (254) 826-5425 Royce Zatopek, Jr. (254) 826-5464

LODGE 8, WEIMAR (6) Financial Secretary Rosie Shumbera Sales Representatives Michael Jurica (409) 743-4459 Leo Jares (409) 561-8393 Arthur Zarosky (281) 239-0522

LODGE 9, SNOOK (1) From Snook, turn on FM 2155 to downtown.

At Snook School, stay right on Spur 2155.

At "T", turn right on CR 269. Go 3/10 mile and the hall is on the left.

Secretary Carlson Jakubik (409) 272-8698 Sales Representatives (409) 272-8873 Karen Ann Gaas Clifton J. Junek, FIC (409) 693-0157 (409) 272-8889 Joel Lovell (409) 272-8784 Betty Schoenemann (409) 272-3265 Donnie Victorick

LODGE 10, SHINER (6) Secretary Juanita Valenta (361) 594-2798 Sales Representative (361) 594-2582 Gladys Veit

LODGE 13, DIME BOX (1) In Dime Box, turn left from FM 141 on CR 424. Go east on CR 424 for 3/10 mile. The hall is on the left.

Secretary Dorothy Racket • (409) 884-0147 Lodge Hall: (409) 884-3211 Sales Representatives (409) 884-2821 Alene W. Cottrell (409) 535-7593 Mildred Horak (409) 884-0147 Dorothy Racket (512) 328-6049 Terry Cottrell

LODGE 17, NEW TABOR (1) From Caldwell, turn from Highway 36 east on to FM 166. Proceed 2.1 miles and turn left on CR 225. Go one mile, veering to the right. The lodge building is located on the right.

Secretary Ben Trcalek, Jr. (409) 272-3278 Sales Representatives Susan Skrabanek (409) William R. Towslee (409) Martha Trcalek (409) Lola Dee Vavra (409)

272-3440 776-9645 272-8146 774-7519

LODGE 18, ELGIN (2) Lodge building is located on the north side of Elgin on Highway 95.

Secretary Agnes Eschberger (512) 856-2445 Lodge Hall: (512) 285-9330 and 285-3100 Sales Representatives Dolores Greinert (512) 365-2393 (512) 281-3250 Evelyn Gustafson Margaret Taylor (512) 303-0825

LODGE 19, VELEHRAD (6) Secretary Ella J. Lichnovsky (409) 743-4287

LODGE 20, GRANGER (2) Secretary Ruby Loessin (512) 859-2765 Sales Representatives (512) 859-2550 Norma Cavanaugh Rita Marburger (512) 859-2548

LODGE 21, ENGLE (1) Secretary James Kubecka (361) 865-2677

LODGE 23, MORAVIA (6) From Highway 77 between Hailettsville and Schulenburg, take FM 532 West four miles to Moravia. Turn right on FM 957 North and go one mile. Lodge building is on the right.

Secretary Kathleen Guenther (409) 562-2124 Sales Representatives (409) 561-8640 Elizabeth Holub Albert E. Olsovsky (409) 562-2169 (409) 562-2779 Eddie Vrana

LODGE 24, CYCLONE (2) Lodge building is located 12 miles east of Temple, past Zabcikville. Exit at the blinking light on Highway 53 to FM 485, then go one mile to FM 964.

Secretary Bernice Sebek (254) 985-2361 Lodge Hall: (254) 985-2393 Sales Representatives (254) 985-2316 Eugene Haisler (254) 760-0135 David Nauert, FIC (254) 985-0007 Brian Vanicek, FIC (254) 983-3537 Charlie Joe Waits (254) 985-2555 Louise Zavodny (254) 983-3378 Melanie Zavodny, FIC

Buying life insurance is not like any other purchase you will make.

When you pay your premiums, you're buying the future financial security for your family that only life insurance can provide. Among

• Funds for a readjustment period, to finance a move or to provide time for family members to find a job; and • Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources Although there is no substitute for a needed to protect their home and the careful evaluation of the amount of income needed to run a household. coverage needed to Choosing a life meet your needs, one insurance product is an rule of thumb is to buy important decision. life insurance that is As with any major equal to five to seven purchase, it is importimes your annual tant that you undergross income. stand your needs and the options available to What is term insuryou. ance?

Life insurance also Term insurcan be used to help ance provides protecwith other financial tion for a specific perigoals, such as funding od of time. It pays a retirement or education benefit only if you die expenses. However, it during the term. Some is important to rememterm insurance certifiber that the main purpose of life insurance is The best way to make an cates can be renewed informed decision about financial protection. If buying life insurance is to when you reach the end of a specific periyour primary goals are learn the basics. od which can be from something other than one to 20 years. The protection, you should consider what other financial products premium rates, increase at each renewal date. Many certificates require that eviare available to meet those goals. dence of insurability be furnished at The information in this article has renewal for you to qualify for the lowest been compiled by the American available rates. The SPJST offers severCouncil of Life Insurance, a trade assoal term options, including the popular ciation of more than 600 life insurance 10-year Modterm and 20-year Modterm companies. Collectively, these compacertificates. nies provide about 90 percent of the life insurance .in force in the United States.

Portions of the text have been modified What is permanent insurance?

Permanent insurance provides lifeto relate more closely to the fraternal long protection and is known by a life insurance industry. variety of names, described later. As Learn the Basics long as you pay the necessary premiThe best way to make an informed ums, the death benefit always will be decision about buying life insurance is there. These certificates are designed to learn the basics. and priced for you to keep over a long period of time. If you don't intend to Why do I need life insurance?

Life insurance is an essential part of keep the certificate for the long term, it financial planning. One reason most could be the wrong type of insurance people buy life insurance is to replace for you.

All SPJST permanent certificates — income that would be lost with the death including whole, ordinary and universal of a wage earner. The cash provided by -have a feature known as "cash life insurance also can help ensure that value" or "cash surrender value." This your dependents are not burdened with feature, which is not found in most significant debt when you die. Life term insurance certificates, provides insurance proceeds could mean your you with some options: dependents won't have to sell assets to pay outstanding bills or taxes. An important feature of life insurance is that there is no federal income tax on proceeds paid to beneficiaries.

How much life insurance do I need?

Before buying life insurance, you should assemble personal financial information and review your family's needs. There are a number of factors to consider when determining how much protection you should have. These include:

• Any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes;

• You can cancel or "surrender" the certificate—in total or in part—and receive the cash value as a lump sum of money. If you surrender your certificate in the early years, there may be little or no cash value.

• If you need to stop paying premiums, you may be able to use the cash value to continue your current insurance protection for a specific period of time or to provide a lesser amount of protection to cover you for as long as you live.

(Continued on page 4.)

4/VESTNIK—Wednesday, January 19, 2000 The Basics of Buying Life Insurance (Continued from page 3.)

• You may borrow against the cash value of your certificate. Unlike loans from most financial institutions, the loan is not dependent on credit checks or other restrictions.

You ultimately must repay any loan with interest or your beneficiaries will receive a reduced death benefit.

• The certificate's cash value can be surrendered—in total or in part— for cash or converted into an annuity. (An annuity is an insurance product that provides an income for a person's lifetime or for a specific period of time.)

• A provision or "rider" can be added to some certificates, giving you the option to purchase additional insurance without taking a medical exam or having to fiarnish evidence of insurability.

Dis vantages

The cash values of some life insurance • Required preproducts may be affected mium levels by the Society's future may make it experience, including hard to buy mortality rates, expenses enough proand investment earntection. ings.

• It may be more Keep in mind that costly than with all types of permaterm insurnent certificates, the ance if you cash value of a certifi1:05, r_gar don't keep it cate is different from A knowlecigeame sales long enough. the certificate face representative will be willamount. Cash value is ing and able to explain Getting the amount available various certificate options.

Started ... when you surrender a After you have certificate before its maturity or your thought about your financial needs death. The face amount is the money and have become familiar with the that will be paid at death or at certifibasic types of life insurance, you cate maturity. will need to visit with an insurance What are the advantages and dis- sales representative. advantages of term and permaWhat can I expect my sales repnent insurance? resentative to do for me?

Term Insurance Advantages A knowledgable sales representative will be willing and able to explain vari• Initially, premiums are generally ous certificates and other insurancelower than those for permanent related matters. Let your sales repreinsurance, allowing you to buy sentative know what you expect from higher levels of coverage at a him or her. You should feel satisfied younger age when the need for that the sales representative is listening protection often is greatest. to you and looking for ways to get you the right type and amount of insurance • It's good for covering specific at an affordable price. needs that will disappear in time, Now that you have reviewed the such as mortgages or car loans. basics of life insurance and thought about your personal financial needs, Disadvantages you can shop for a life insurance certificate with more confidence and knowl• Coverage may terminate at the edge. end of the term or may become expensive to continue.

• Generally, the certificate doesn't offer cash value or paid-up insurance.

Permanent Insurance Advantages • As long as the necessary premiums are paid, protection is guaranteed for your entire life.

(Universal Life matures for cash value at age 95.)

• Premium costs can be fixed or flexible to meet personal financial needs.

• Certificate accumulates a cash value that you can borrow against. (Loans must be paid back with interest or your beneficiaries will receive a reduced death benefit.) You can borrow against the certificate's cash value to pay premiums or use the cash value to provide paid-up insurance.

LODGE 25, ENNIS (3)

From Highway 6, turn west on OSR. Go 2 miles to Mumford Road and turn left. Go 1.1 mile and turn left on Magnolia. Take the first right turn on Cherry Bend Circle. The lodge is at the bend of the road (white building).

Secretary Lillie Matejka O'Shields (409) 778-1450

Secretary Patricia Fowler (972) 878-2083 Lodge Hall: (214) 875-7813

Sales Representative (409) 778-1450 Lillie Matejka O'Shields

Sales Representatives (972) 938-9831 William Cooper (972) 878-2083 Van Fowler (972) 875-2789 Ernest Haskovec (972) 875-5498 Kay Lynn Kovar, FIC (972) 878-6149 Johnnie Krajca (972) 878-9982 Jeannette Patak, FIC (972) 875-7041 Martin Zapletal

LODGE 40 EL CAMPO-HILUE (6)

Will the sales representative ask questions about my health?

In this initial meeting, be prepared to answer questions about your health (for example, age, medical condition, medical history, family history, personal habits). It is important that you answer these questions carefully and truthfully; this information helps the SPJST charge a fair premium for your coverage. For instance, you may pay a lower premium if you don't smoke. On the other hand, if you have a chronic illness, you may be charged a higher premium.

(Continued on page 5.)

Lodge hall is located just off US 59 in Hillje.

Secretary Trio Molberg (409) 543-3044 Lodge Hall: (409) 648-2317

Sales Representative (361) 358-1978 Edwin Wailek, Jr.

Sales Representatives (409) 543-9362 Ardis Bacak (409) 543-9362 James J. Bacak, FIC (409) 543-5280 Frank J. Bacak (409) 543-7387 Sheldon Holub (409) 543-3746 Leona Mocha (409) 541-5759 Karel Matejka

LODGE 28, EAST TERNARD (6)

LODGE 41, PORT LAVACA (6)

LODGE 26, SKIDMORE (7) Secretary Annie Mae Cox (512) 547-3069

Lodge meets on the corner of Alt. US 90 and Leveridge Street in East Bernard.

Secretary Suzy Wiest (361) 782-5597

Secretary Helen Kelner (281) 342-2624

Sales Representatives (513) 552-9674 Franklin Jurek (361) 552-3280 Jimmie J. Pustejovsky (361) 576-3455 John Sprigg (361) 729-0152 Dorothy Wiest, FIC (361) 729-0152 George Wiest, FIC (361) 782-5597 Jim Wiest, FIC

Sales Representatives (713) 774-3676 Everett Kaminsky, FIC (409) 335-4461 Glenn Kaminsky, FIC (281) 346-2982 Joseph D. Nezval, FIC

LODGE 29, TAYLOR (2) In Taylor, turn from Highway 95 onto East 11th. Turn left on Washburn at the "T".

Veer right on Thorndale Road. Go 1.8 miles to the lodge on FM 619. (From Highway 79, turn left on FM 619, go .8 mile to the lodge.)

Secretary Cathy Basile (512) 352-2719 Lodge Hall: (512) 352-9139 Sales Representatives (512) 859-2647 Edwin Adamek (512) 352-3025 Michael Kaiser Albin Machu (512) 365-5489 (512) 258-4475 Shelly Machu Ronnie Rieger (512) 365-20a)

LODGE 30, TAITON (6) Secretary Wanda Dorotik (409) 543-1974 Sales Representatives Thomas Drapela, FIC (409) 543-1142 (409) 532-0868 Susan Hoelscher (409) 543-9093 Annimae Merta (409) 543-4884 Anita Roye (409) 543-2532 Karen Kaspar (409) 543-2532 Leroy Kaspar

LODGE 31, YOAKUM (7) Secretary Estelle Pfuhl (512) 293-5142 Sales Representative (512) 353-2948 Monta Foster

LODGE 32, VICTORIA (6) What can I expect during a sales representative visit?

The sales representative who you select will meet with you to discuss your life insurance needs. He or she will ask questions about family income and your net worth. Using the information you already have assembled about your financial situation, you should be prepared to discuss your insurance options.

LODGE 39, BRYAN (1)

From Interstate 35 East at Waxahachie, take the Highway 287 East exit. Stay on Highway 287 East until you come to Ennis.

Go straight through downtown Ennis and go under the o9erpass at Interstate 45.

Then go approximately 3/4 mile on Highway 34, and Lodge 25 is on the right.

Secretary Valeria Motal (512) 575-1385 Sales Representatives (361) 575-1385 Adolf Motal (361) 564-3422 Renae Jo Pierce (361) 578-2687 Matt S. Vanek, FIC

LODGE 35, ELK (3) From Interstate 35 in Waco, take the Highway 84 East exit. Stay on Highway 84 East through Bellmead and go approximately 8 miles. On the right side of Highway 84 will be a sign saying "Elk". Take the Elk Road. Turn right on Elk Road and go approximately one mile and the road will dead end. Take a right at the dead end and go approximately 1/2 mile.

Lodge 35 is on the left side of the road.

Secretary Carla Pavelka (254) 875-2514 Hall Phone: (254) 863-9320 Sales Representatives (254)876-2962 Henry Breitkreutz, Sr. (254) 754-7114 Johnny Holub (254) 662-4758 Virlene Kelley (254) 662-4758 Eugene Kelley (254) 876-3479 James Mann (254) 875-2105 Ruby Pavelka (254) 875-2225 Louise Burney

LODGE 38, KOVAR (1) Secretary Joe J. Sulak (512) 321-9718 Soles Representative (512) 237-5228 Johnnie J. Janak

LODGE 47, SEATON (2) Star Hall is located five miles east of Temple on Highway 53 (Adams Avenue in Temple).

Secretary Adeline Kohutek (254) 593-4115 Lodge Hall: (254) 985-2548 Sales Representatives Alice Banning, FIC (254) 778-3612 Ruby Bolton (254) 778-9785 Keith Gatewood, FIC (254) 386-3614 Robert F. Heese (254) 985-2462 Wallace Jez (254) 983-3950 Frankie Klinkovsky, FIC (254) 773-4801 Willie E. Kohutek (254) 593-4115 (254) 985-2396 Patsy Koslovsky (254) 985-2545 Dorothy Pechal, FIC (254) 985-2344 Dolores SkrabaneK, FIC Emily Stuteville (254) 642-3339 (254) 983-3530 Vallie Zavodny

LODGE 48, BEYERSVILLE (2) Go east on alternate Highway 79 south of Taylor. Take a right on 619. Go about four miles and the hall is on the right.

Secretary Bobby Wuensche (512) 365-3013 Sales Representative (512) 365-3013 Bobby Wuensche

LODGE 49, ROWENA (4) Secretary Nancy Schwertner (915) 442-4771 Sales Representatives (915)442-3141 William Rollwitz, FIC (915)442-3141 Sylvia M. Rollwitz, FIC (915) 397-2483 Loretta Schaefer (915) 442-4771 Maynard Schwertner (915) 442-2001 Elizabeth Walther

LODGE 51, ELLINGER (1) Secretary John J. Mikulenka (409) 732-8821 Sales Representatives (409) 732-9057 George Bergfeld (409) 732-3776 Edna Bergfeld

LODGE 54, WEST (3) From Interstate 35, take the West exit and go to the blinking light. From Waco, take a right onto Oak Street and go to Davis Street.

Take a left onto Davis Street and continue on Davis Street past the high school. After you pass the high school, Lone Star Hall is in the next block on the left.

Secretary Anne Emery (254) 826-3084 Lodge Hall: (254) 826-7797 Sales Representatives Freddie Kaluza (254) 826-3534 (254) 826-5840 Al Marchak Gregory Nors (254) 826-4517 (254) 826-5170 Charles Max Reynolds (254) 799-5394 Wilburn Willis

LODGE 57, GONZALES (1) Sales Representative Anton Lesak, Jr. (210) 672-3371

Wednesday, January 19, 2000—VESTNIK/5 LODGE 63, SWEET HOME (6) Secretary Ann Moseley (361) 874-4266 Sales Representatives (512) 293-5479 Anton Janak (361) 741-2519 Leonard A. Jurena

SPJST Offers An Active Youth Program for Young Members.

See page 12 for details.

LODGE 65, CROSBY (5) Secretary Jerry Prochazka (281) 328-3004 Sales Representatives Jerry Prochazka (281)328-3004 Carl Poteet, Sr. (281) 326-3257

LODGE 66, WACO (3) From Interstate 35 at Elm Mott, take the Farm Road 308 East exit. Go over the railroad tracks and go approximately 1/2 mile. Lodge 66 will be on the right sitting back from Farm Road 308 East.

Secretary Dana McAdams (254) 799-4510 Lodge Hall: (254) 822-1214 Sales Representatives Santos Aviles (254) 840-2040 Randolph Dillard, Sr. (254)694-5099 (254) 829-2441 Milan Dujka, Jr., FIC Darlene Engelke (254) 753-2600 Johnnie Gaidusek, Sr. (254) 772-1871 (254) 932-6184 Johnnie Gaidusek, Jr. Paul Kucera (254) 826-3474 Larry Matula (254) 822-1550 (254) 666-5708 Dorothy Moore Johnny Miller (254)662-3620 Ron Peterson (254) 772-9738 (254) 822-0048 Tim L Urbanek, FIC Gladys Yates (254)662-0596

LODGE 67 SCHULENBURG (1) Secretary Ginger Tilicek (409) 562-2133 Sales Representative Johnnie E. Holub (409) 561-8245

LODGE 73, SEYMOUR (4) Secretary Alice Orsak (940) 888-2391 Sales Representatives Jesse G. Hajek (940) 888-2764 Chris Orsak (940) 888-2391 Lewis McGuire (940) 474-3276

LODGE 74, LOVELADY (2) From Crockett (Loop 304), go 8 miles south on Highway 19. The lodge hall is on the left.

Secretary Rhonda Flasowski (409) 544-7995 Lodge Hall: (409) 544-8200 Sales Representatives Jean Goldin (409) 295-6232 Ricky Flasowski (409) 544-4278

LODGE 76, WICHITA FALLS (4) Secretary Mary Ann Cook (940)692-4628 Sales Representative Hayden Sralla, III (940)322-7518

LODGE 79, CORPUS CHRISTI (7) Lodge hall is located at 5502 Kostorhyz between Holly Road and Saratoga Boulevard.

Secretary Helen Pavelka (361) 387-1384 Lodge Hall: (512) 852-9042 Sales Representatives (361) 991-1746 Jerry Eizner, FIC (361) 241-1965 Glenda Elzner Thelma Hrncir (361)241-3114 (361) 387-1384 Helen Pavelka, FIC (361) 937-4324 Jerry Sijansky

LODGE 81, NEEDVILLE (5) Lodge building is located south on Highway 36, one mile from the red light in Needville.

Secretary Willie Mae Kuykendull (281) 232-6539 Lodge Hall: (361) 793-4742 Sales Representatives Adolph S. Macha (409) 793-6280 (409) 548-6623 Jane E. Orchard (409) 548-6625 C.H. Reininger Edwin E. Susan (409)793-4537 Juanita Todd (409) 793-4465 Benda Walzel, FIC (409) 793-6288

LODGE 4,DALLASS (3) From Interstate 35 East in Dallas, take Interstate 20 East, From Interstate 20 East, take the Interstate 45 exit toward downtown Dallas, Interstate 45 runs into Highway 75, From Highway 75, take a right at the Bryan Street exit. From Bryan Street turn right on Cantreal Street. Go on Cantreal Street until you come to Floyd Street. Take a right on Floyd Street, Lodge 84 is the second building on the right, 2625 Floyd Street.

Secretary Evelyn G. Salac (214)352-5295 Lodge Hall: (214)823-0072 Sales Representatives Paul A. Athos (972) 303-0089 Georgia Hughes (214)321-1129 Ben Jarma, FIC (214)348-1514 (972) 223-1801 Betty Lea Olson, FIC Emil Petr (214)826-3557 Douglas E. Yeager (214) 827-8586

LODGE 87, TEMPLE (2) From East Adams Avenue, turn north on 50th Street. Go 2/10 mile. Lodge building is on the left.

Secretary Lauren Kacir (254) 899-2332 Sales Representatives Norma Alford (254) 939-7395 Donald Alford (254) 939-7395 Daryl Entrop, FIC (254) 778-2067 Ladis Navratil (254) 773-4644 Gary Reisner (254) 771-1018 John Troy (254) 778-4709 (254) 773-5784 Jerry Valchar U. Zatopek (254)778-3067

LODGE 88, HOUSTON (5) Lodge building is located at 1435 Beall Street in Houston.

Secretary Jo Ann Burl (713)464-3808 Lodge Hall: (713) 869-5767 Sales Representatives (713)864-2900 Margaret Allbritton Jefferey Barcak, FIC (281)580-1775 Fred Bun, FIC (713) 464-3808 (713)869-9304 Carolyn Filipp, FIC Louis Hanus, FIC (713) 686-6160 (713) 864-0489 Helen Hegwood, FIC Vincent Hegwood, FIC (281)358-7312 lillie Helmcamp (713)861-6419 Mildred Holeman (713) 683-0018 Victor Janak, Sr. (713)460-3459 Victor Janak, II (713)461-5975 (713) 688-5337 Marian Kadlecek, FIC Lowrina Lindemann (713)862-7189 (713) 864-0131 Lydia Marsh (281) 353-0242 Joe S. Marshall Karel Matejka, Jr. (281)651-9226 (713) 864-2163 Larry Pflughaupt, FIC Marie Stayton (713) 863-1609 (713)864-2815 Edna Wehring, FIC Linda Wehring, FIC (713)864-2815

LODGE 80, HOLLAND (2) On Highway 95, south of Holland, turn east on FM 2268, Go 1/2 mile to lodge, located on the right.

LODGE 89, ROSEBUD (2)

Secretary Glen Latham (254) 657-2259 Lodge Hall: (254) 657-2485

Sales Representatives Mark Gerngross (254) 583-4168 David Skala (254) 583-7518

Sales Representatives Ricky Benner (254) 657-2279 Vicki Benner (254) 657-2628 (254) 774-8514 D.1. Bohac (254) 773-5840 Kevin Coats Joe Liles (254) 657-2488 Frank Pajestka, Jr. (254) 657-8176

Secretary Lois A. Skala (254) 583-7518

LODGE cl • CROS (5) Secretary Malba Smesny (281) 328-5209

Sales Representative June Ann Smesny (713) 453-2695

The Basics of Buyinct Life Insurance

(Continued from page 4.)

Also, in the event of a claim, accurate and truthful answers enable your beneficiary to receive prompt payment.

Inaccurate or untruthful answers, however, may cause delay or even denial of a claim.

When you apply for life insurance, you may be asked to have a medical exam. Often, a licensed medical professional will make a personal visit.

you would receive if you surrender your certificate.

Keep in mind that permanent insurance is designed to provide protection for your entire life. If you don't plan to keep the product for many years, consider another type of certificate. Cashing in a permanent certificate after only a couple of years can be a costly way to get insurance protection for a short term.

What does my certificate illustration show?

An illustration shows certificate premiums, death benefits, cash values and information Sales about other items Representative that can affect your Recommendation cost of obtaining Once you have disinsurance. Several cussed your financial sample illustrations needs and objectives appear in this special with your SPJST sales issue, beginnin g on representative, he or she page six. Some of will recommend the type the items listed in the of life insurance certifiillustration are used cate that will best suit by the Society to your purposes. Often, Ask your sales representa- reduce your costs if tive for an explanation if the sales representative there are items you don't its future financial will provide a "certifi- understand. results are favorable. cate illustration" that Your certificate may will show how your cerprovide for divitificate will work. dends to be paid to you as either cash or Carefully study your sales represen- paid-up insurance. Or it could provide tative's recommendation and ask for a for interest credits that could increase point-by-point explanation if there are your cash value and death benefit or items you don't understand. Because reduce your premium. These items are your certificate is a legal document, it's not guaranteed. Your costs or benefits important that you know what it pro- could be higher or lower than those vides. illustrated, because they depend on the Here are some other questions you future financial results of the Society. should consider asking: With universal life, your values will depend on the results of the underlying Does this certificate truly meet portfolio of investments. my needs?

Ask your SPJST sales representative If your sales representative recom- for an explanation of the illustration; mends a term certificate, consider the some figures are guaranteed and some following: are not. Remember that the insurance company will honor the guaranteed fig• How long can I keep this certifiures regardless of its future financial cate? If you want the option to experience. renew the certificate for a specific It is important to keep in mind that number of years or until a certain an illustration is not a legal document. age, ask your sales representative Legal obligations are spelled out in the about the terms of renewal of the certificate itself.

contract.

• When will my premiums increase?

Annually? Or after a longer period of time, such as five or 10 years?

• Can I convert to a permanent certificate? Some certificates allow you to convert the certificate to permanent insurance without a medical exam, regardless of your physical condition at the time of the conversion. These certificates are known as "convertible term."

If your sales representative recommends a peinianent certificate, consider the following:

• Are the premiums within my budget? Be sure you want to spend the money for this type of longterm coverage.

• Can I commit to these premiums over the long term?

Make sure you know the amount

Here are additional questions to ask about the certificate illustration:

• Is the illustration up to date? Is it based on current experience?

• Is the classification shown in the illustration appropriate for me (i.e., smoker/non-smoker, male/female)?

• Does the certificate pay dividends or provide for interest credits?

Are those figures incorporated into the illustration?

• Will my premiums always be the same? Is it possible that the premium will increase significantly if future interest rates are lower than the illustration assumes?

• If the illustration shows that, after a certain period of time, I will not have to make premium payments, is there a chance 1 could have to begin making payments again in the future?

(Continued on page 6.)

6/VESTNIK—Wednesday, January 19, 2000 LODGE 92, FORT WORTH (3) From Interstate 35 West in Fort Worth, take the Interstate 20 West exit. Stay on Interstate 20 West until it comes to 820.

Get on 820 and stay on 820 until you come to the Jacksboro Highway and Azle Street exit. Take the Jacksboro Highway East, turning right on Jacksboro Highway East.

Go to the first traffic light and take a left.

Lodge 92 is on the right about 3/4 down the block.

Secretary Christine Zich (817) 927-0283 Lodge Hall: (817) 624-1361 Sales Representatives (903) 892-3430 Rodger Bateman Martha M. Durham, FIC (817) 281-0666 (817) 926-6836 Pamela Durham (817) 922-0298 Deborah Hubenak Gordon Hubenak (817) 498-3905 Kenneth Krivanek (817) 237-4320 Mary C. Krivanek-Lemons (817) 626-4568 Albert Kubala, FIC (817) 237-5314 Helen Kubala (817) 237-5314 (817) 581-9480 Evelyn Spacek (817) 927-0283 Christine Zich

The Basics of Buying Life Insurance (Continued from page 5.)

• Is the premium level illustrated sufficient to guarantee protection for my entire life?

What happens if I fail to make the required premium paymems?

LODGE 93, HOBSON (7) Sales Representatives (830) 780-3709 Werner E. Ahrens

LODGE 94, WHEELOCK (1) Secretary Cecil H. Dickson (409) 589-2104 Sales Representatives (409) 589-2115 Lynda E. Lys (409) 589-2104 Cecil Dickson (409) 589-2136 Linda A. Wilson

LODGE 97, PLACED() (6) Secretary Dennis Vanek (361) 573-6771 Lodge Hall: (361) 573-0104

Sales Representatives (361) 573-6020 Charles W. Garrett, FIC (361) 573-6020 Yvonne Garrett, FIC (361) 573-4443 Gay Revel, FIC (361) 578-5979 Allan Sklar, Sr., FIC (361) 573-4972 Carlos Salas Shirley Sklar, FIC (361) 575-7515 William Sparks (361) 576-4946 Once you decide to purchase the certificate, find out when the insurance becomes effective.

Here are a few tips to keep in mind about your life insurance purchase:

• Take your time. On the other hand, don't put off an important decision that would protect your family. Make sure you fully understand any certificate you are considering and that you are comfortable with the company, agent and product.

If you miss a premium payment, you typically have a 30- or 31-day grace period during which you can pay the premium with no interest charged. After that, the SPJST can—with your authorization— draw from a permanent certificate's cash value to keep that certificate in force. In some flexible premium certificates, premiums may be reduced or skipped as long as sufficient cash values remain in the certificate. However, this When you're ready to will result in lower review your present coverage, give your local lodge cash values. sales representative a call.

What happens if I become disabled and can't pay the premiums on my certificate?

Provisions or "riders" that provide additional benefits can be added to a certificate. One such rider is a "waiver of premium for disability." With this rider, if you become totally disabled for a specified period of time, you do not have to pay premiums for the duration of the disability.

Are other riders available?

Another rider, called an "accidental death benefit," provides for an additional benefit in case of death as a result of an accident.

A relatively new rider offered by some companies provides "accelerated benefits," also known as "living benefits." This rider allows you, under certain circumstances, to receive the proceeds of your life insurance certificate before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care or confinement to a nursing home. The SPJST does not presently offer accelerated benefits.

Ask your sales representative for information about these and other certificate riders.

• Review the copy of your application contained in your certificate.

Promptly notify your sales representative or the SPJST of any errors or missing information.

• If another company contacts you and wants you to cancel your current certificate to buy a new one, contact your original sales representative or the SPJST before making any decisions. Surrendering your certificate to buy another could be costly to you.

• Review your certificate periodically or when your situation changes to ensure your coverage is adequate.

Where else can I get information about insurance?

• Your local lodge sales representative and SPJST Home Office are good sources of general information about insurance. In many cases, your local SPJST sales representaive is someone you know — and someone who knows about the many insurance options available to you. When you're ready to review your present coverage, give you local lodge sales representative a call. If you are not sure about who to talk to, please contact the SPJST Insurance Deparment at 1 (800) 727-7578 and they can put you in touch with a sales representative in your area.

—SPJST-

LODGE 101, GAINESVILLE (3)

LODGE 141, SEALY (1)

Secretary Rudy G. Paclik (940) 668-6259

Secretary Bernice Stolarski (409) 885-6786

Sales Representative (405) 276-9578 Charles Sykora -

Sales Representative (409) 865-2808 John Zientek

LODGE 106, LA GRANGE (1)

LODGE 142, HOUSTON (5)

Secretary J.C. Spacek, Sr. (409) 968-3393

The lodge building is located at 5508 Nolda, one block south of Interstate 10 at W.T.C. Jester.

Sales Representatives (409) 968-5987 Clarence Matula (409) 249-3769 Laura L Keilers

LODGE 107, FLORESVILLE (7) From Floresville, take FM 536 West three miles to FM 1303. Turn right and go two miles. The hall is on the right.

Secretary Lucille A. Novak Lodge Hall: (803) 393-6500 Sales Representatives (830) 216-7954 Pauline Bayer, FIC (830) 216-7954 Robert Bayer, FIC (210) 216-4234 John H. Burleson (830) 393-2030 Maxine Pavliska (830) 745-2702 Wendy Pruski, FIC (830) 745-2702 Glen Pruski Melvin Strey (830) 420-3185

LODGE 110, KAUFMAN (3) Lodge hall is located eight miles from Kaufman on FM 2578.

Secretary Willie V. Janicek (972) 962-3397 Sales Representative (972) 962-6284 Mary Cluck

LODGE 117, ROBSTOWN (7) Secretary Betty Jurica (361) 265-9018 Sales Representatives (361) 668-4931 Hector Garcia Kathryn Marek, FIC (361) 387-2360 (361) 998-2272 Joe Henry Raska

LODGE 125, WESTHOFF (6) Secretary Edwin A. Baros (830) 236-5572

LODGE 130, DALLAS (3) Secretary Stanley Vrla (214) 826-2670

Sales Representatives (940) 206-5178 Nancy Shinn (214) 826-2670 Stanley Vrla (972) 864-1534 Suzanne Vrla

LODGE 133, SAN ANTONIO (7) Secretary Margaret Schauffele (210) 599-0520 Sales Representatives (210) 680-4661 Frankie Campbell (210) 492-2522 Marlene Jarrett (210) 490-8053 Patricia Pate (830) 606-7787 Jarolyn Popp, FIC (210) 366-2901 Audrey Stewart Buck E. Williams (210) 692-7511

LODGE 135, ENNIS (3) From Interstate 35 East at Waxahachie, take Highway 287 East exit. Stay on Highway 287 East until you come to Ennis. Go straight through downtown Ennis and go under the overpass at Interstate 45. Then go approximately 1 3/4 miles on Highway 34 and Lodge 135 is on the left.

Secretary Sylvia Laznovsky (972) 878-3091

Secretary Alice Jochen (409) 743-3613 Sales Representatives (713) 466-3492 Dennis Hermis (281) 358-4586 Willie L Janik (713) 862-5512 Robert Kieschnick (713) 681-7442 Sidon Tumis

LODGE 143, INEZ (6) Secretary Carol Prukop Sales Representative (361) 782-2654 Leroy Repko

LODGE 148, BLESSING (6) Secretary Diana Johnson (361) 588-1181 Sales Representatives (512) 588-1181 Diane Johnson (361) 588-6228 Olga Steffek (361) 588-7335 Gay Thurmond (409) 925-2659 Benny Upham

LODGE 149, ALVIN (7) Secretary Carole Truksa (713) 585-3143

LODGE 151, WHARTON (6) Secretary Carolyn Bucek (409) 532-4542 Sales Representatives Charles Bucek (409) 335-6084 (281) 341-0320 Gerald Mocha (409) 543-3754 Herman Ray Pilgrim (409) 335-6268 Joe F. Preisler, Jr. (817) 572-1886 Kimberly Vanek

LODGE 153, LA SALLE (6) Secretary Mary Jane Sralla (361) 782-3374 Sales Representative (361)874-4461 Jerome J. Hlavaty, FIC

LODGE 154, FORT WORTH (3) From Interstate 35 West in Fort Worth, take the Interstate 20 West exit. Stay on Interstate 20 West until you come to 820 and stay on 820 until you come to the Jacksboro Highway and Azle Street exit.

Take the Azle Street exit and go to the traffic light. Turn left at the traffic light and go to the second traffic light, then turn right onto Boat Club Road. Go on Boat Club Road approximately 2 1/2 miles. Lodge 154 is on the right.

Secretary Mary Renfro (817) 237-1500 Lodge Hall: (817) 237-5181 Sales Representatives (817) 294-3532 Kelly Eaton (817) 237-7514 Jeanie Mason, FIC (817) 236-3620 Mila Milan (817) 237-7129 Talon Milan Julie Pritchard, FIC (817) 306-9531 (817) 237-1500 Mary Renfro, FIC

Path Gage

(817) 627-5594

LODGE 155, AUSTIN (2) Secretary Ginny Prasatik (512) 472-1721

Sales Representatives (972) 878-7411 Jerry Chudej (972) 878-5987 Lawrence Laznovsky

Sales Representatives (915) 379-5581 Lewis Kuykendall (512) 353-2911 Theodore Marek

LODGE 137, TAFT (7)

LODGE 156, BAYTOWN (5)

Secretary Roy E. Hranicky (361) 364-2559 Sales Representative (361) 991-8469 Roy Hranicky (361) 364-5706 Danny Farrow

Secretary Brenda Vojacek (281)420-4535

LODGE 139, DANBURY (5)

Sales Representatives (409) 831-2949 Ben Pyle (409) 385-7354 Donald Seal (281)427-5348 Bettie Martinka (281) 427-5348 Edwin Martinka

Secretary Rhend Dickerson (409) 922-1288

LODGE 157, LUBBOCK (4)

Sales Representatives (409) 922-8133 Jalene Baldwin (409) 922-1279 Lorenda Baldwin, FIC (4090 922-8133 Monte Baldwin (409) 922-1418 Helen Filipp (409) 922-1553 Lonnie Lostak

Secretary Angeline Kristinek (806) 763-0047 Sales Representatives Angeline Kristinek (806) 763-0047 Donald Williams, FIC (806) 998-4979 Ronnie Ray (806) 462-7766

Wednesday, January 19, 2000-VESTNIKI7 LODGE 160 SAN ANGELO (4) Secretary Cindy Martin (915)651-8788 Sales Representatives Joan Brown (915) 469-3634 Martha Broz, FIC (915)442-3271 Stanley Broz, FIC (915) 442-3271 Anna Rose Drgac (915) 397-2366 Nathan Graves Shelley R. Hyles (915) 869-5103 Leonard A. Jansa, FIC (915) 651-8045 Albert Marsh, FIC (915) 949-8335 Karessa R. Marsh (915) 949-8335 Kathy Miller (915) 583-2550 Diana Pelzel, FIC (915)651-7922 Kevin Shockley (915) 687-3676 (915) 653-7280 Wiley R. Shockley

LODGE 161 LA PARITA - JOURDANTON (7) Secretary Bettie House (830) 281-8246 Sales Representatives Tillie Koch (830) 569-5627 Linda Ramey (830) 393-3320 Robert A. James (830) 281-3119 Larry Wagner, Jr., FIC (830) 742-4463

LODGE 162

IOWA COLONY (5) Secretary Geraldine Kucera Frank

LODGE 164, RIO HONDO (7) Secretary Louis Krupala (956) 423-9666 Sales Representatives Louis Krupala (956) 423-9666 Hector Saldana (210) 748-3650

LODGE 167, PENELOPE (3) Secretary Sharon Howard (817)533-2418

LODGE 169, BRENHAM (1)

LODGE 178, LONGVIEW (3)

LODGE 187, ROUND ROCK (2)

Secretary Mildred Wiesner (903) 759-8772

Sales Representative Doris Eckermann (409) 278-3762

920 Luther Peterson in Round Rock.

Directions: From Taylor, take Highway 79 into Round Rock until you get to Sunrise.

There will be a 7-11 store on the right. Turn right and proceed past Hopewell School.

Continue through the four-way stop.

Luther Peterson Boulevard is the first street on the left, From Temple, take IH 35 South, Just past Georgetown, exit on Chandler Road. Proceed to stop sign. Take left on Chandler. The third street is Sunrise. Take right onto Sunrise. The second street to the right will be Luther Peterson Boulevard.

LODGE 180, BURLESON (3)

Secretary Deborah Rohlack (512) 255-4985

Sales Representatives (903) 759-4893 James 0. Harris Viola Kocian (903) 297-0151

LODGE 179, WARRENTON (1) Secretary Orville Kunkel (409) 278-3308

Take Interstate 35 West to Burleson. At Burleson, take the Renfro Street exit and go to the underpass and turn left. Then, turn left on the service road. Go approximately 1 1/2 miles on the service road and Lodge 180 is on the right of the service road.

Secretary Rhonda Hurtik (972) 435-2286 Lodge Hall: (817) 295-9665 Sales Representatives Carol Faulder (817) 295-1525 (972) 263-8811 Inez Greenlees, FIC Marie Hampton (817) 295-3986 John D. Hilcher (817) 293-8166 Paul Hurtik

LODGE 181, CONROE (5) Secretary Kathy Kocsis (409) 441-7940

Sales Representatives Herbert Swonke (409) 894-2493

LODGE 182 FALLS COUNTY (2) Secretary Darlene Komar (254)803-5596 Sales Representatives Nick Komar (254) 803-5596 Curtis Treat (254) 546-5037 Johna Beckendorf (254) 803-2987

Sales Representatives Ruble M. Bartz, FIC (512) 255-3415 (512) 255-3786 Raymond Woytek Lyman Larson (512) 255-3510

LODGE 188, CENTERVILLE (1) From Interstate 45, go east 1/2 mile on Highway 7 to downtown. Turn north on Highway 75. Go 9/10 mile. Lodge building is on the right.

Secretary Melba Novosad (830) 769-3679

LODGE 189 BRYAN-COLLEGE STATION (1)

Sales Representatives (830) 772-9875 Gary Columbus David Johnson, FIC (830) 281-2779 (830) 281-3489 Nancy Luna Patricia Tymrak (830) 769-3628

Lodge meets at First Federal Savings and Loan in Bryan, located at Villa Maria and Texas Avenue.

LODGE 204, STEPHENVILLE (3)

Secretary Ernest Wentrcek, Sr. (409) 822-4226 Sales Representatives Charles Munday, FIC (409) 846-2864 Amanda Vanek (409) 696-0837 Andrew Vavra (409) 774-7519 Lola D. Vavra (409) 774-7519 Ernest Wentrcek (409) 822-6397 Larry Wentrcek (409) 846-9405

LODGE 191, LUFKIN (5)

Take Interstate 35 West to Fort Worth.

Take the Interstate 20 East exit and proceed on Interstate 20 East until you come to the Cooper Street exit. Take the Cooper Street exit to the North and stay on Cooper Street until you come to Mayfield Street. Take a right on Mayfield and go down and take a left on Pleasant Valley. Lodge 183 is at 3100 Pleasant Valley.

Sales Representatives (409) 639-4130 John M. Anderson, FIC James Grimes (409) 854-2734 Maxey Kirkley (409) 637-4787 Thomas Morgan (409) 872-3578 T. Tucker Weems (409) 639-3355

Secretary Daniel Roznovsky (972) 252-6763 Lodge Hall: (817) 465-8538

Secretary O.D. Otte (254) 854-2126

LODGE 172, PASADENA (5) Secretary Josephine Mayfield (713) 472-7287 Lodge Hail: (281) 487-3297 Sales Representatives (281) 542-1774 Vicki Dressler, FIC (281) 472-3196 Viasta Machann Robert Mayfield (713)472-7287 Clarence Peril (281) 487-4602 (281)487-2106 Ullia Mae Peter, FIC Shirley Sebesta (281) 328-3366 (409) 935-3919 Alvin J. Sefcik (281) 922-4483 Julius Zella

LODGE 174, ROCKDALE (2) Secretary Dorothy Zaskoda Sales Representative (512) 446-3866 Zephyr Marek, FIC

LODGE 175 ROSENBERG (5) Secretary Pat Parma (281) 342-4898 Sales Representatives Patricia Parma Adolph Sebesta Julius V. Tupa

(281) 342-4898 (713) 342-8843 (713) 468-2494

LODGE 177, ACADEMY (2) Lodge building is located on south side of Academy on Highway 95.

Secretary Kathy Fritz (254) 773-8067 Lodge Hall: (254) 982-4805 Sales Representatives (254) 773-8067 Kathy C. Fritz, FICF (254)939-1309 Linda Johnson (254) 527-4371 Janet Lyon, FIC (254) 947-9515 rbara Rosenkranz, FIC

Sales Representatives (817)387-9197 Melvin Haisler (817) 732-7757 Mary Knowles (972) 252-6763 Daniel Roznovsky, FIC (254) 826-3657 Michelle Roznos (972)262-1841 Angeline Stiborek (972) 788-01367 Angela M. Stiborek

LODGE 184, MOULTON (6) From Texas 95 in Moulton, take FM 532 West four miles. Lodge hall is located on the right.

Secretary Martha Filipp (361)596-7011 Sales Representative (361)596-7011 James Filipp

LODGE 185, NEW BRAUNFELS (7) Secretary Dorothy L. Pape (830)625-3365 Sales Representatives Arvin E. Brehm (830)609-0427 (512) 353-2948 Manta Foster (830) 606-6817 April M. Haag

LODGE 186, CALDWELL (1) Lodge building is located just off Highway 36 on the south side of Caldwell.

Secretary Margaret Haisler (409) 272-8657 Sales Representatives (409) 823-5192 Charles Barak, Jr. (409) 567-4264 Thomas Cannon (409) 272-3192 Olga Gloyna Lois Haile (409) 535-4895 George Hlavinka (409) 272-8657 argaret Haisler (409) 595-4859 Clint Luksa

introduction to Life Underwriting Dearborn • R&R Newkirk Dearborn Financial Publishing, Inc.

LODGE 202, JOURDANTON (7)

Sales Representative Frieda Bednar (409) 836-3432

Lodge building is located at 3609 Preston Road in Pasadena.

The record of fraternal life insurance can be viewed with pride; it has given the member 100 cents in value for every dollar invested.

Field workers can gain inspiration and power from the knowledge that fraternal life insurance, in its days of trial, stood like the Rock of Gibraltar, safe against financial storms.

Sales Representatives Manon G. Burleson (903) 536-2088 Beverly Dianne Howie (903)536-2073 Cleo Streater (903) 529-3461

LODGE 183, ARLINGTON (3)

Secretary Sue Grabarkewitz (512)376-9371

The fraternal field worker can look to the future with confidence.

Almost every change in the economic structure o the country has been to Fraternalism's advantage .

Lodge Hall: (903)536-2820

Secretary Patsy Brending (409) 836-0242

LODGE 171, LOCKHART (2)

Local Lodge Sales Representatives Meet Human Needs

Lodge building is at 1715 Hughs Street in Lufkin.

Secretary Kathy Yeager Lodge Hall: (409) 637-2706

LODGE 195, CLEBURNE (3) Sales Representatives Deborah Moore (817) 645-6228 O.D. Offe (817) 854-2629

LODGE 196, HOUSTON WEST (5) Lodge building is located at 17810 Huffmeister in Cypress.

Secretary Robert Castillo (281)469-7408 Lodge Hall: (281) 373-9482 Sales Representatives (281) 351-0089 Robert Hutto (713) 522-1935 Celia L Koehn, FIC (713) 468-3126 Evelyn Mikeska, FIC Michael J. Moore (409) 826-4056 (281) 320-1225 Stephen Thompson, III Robert Castillo (281) 469-7408

LODGE 200 BRUCEVILLE-EDDY (2) Secretary Unda Roming (254) 859-5812 Sales Representatives Amy Cortasie (254)859-5102 (254)859-5380 Debra Dew Loree Laster (254) 859-5428 Gene McBride, FICF (254) 780-1906 Frances McBride (254)780-1906 Joe R. Miracle (254) 859-5874 Sandra Unberhagen (254) 982-4403 Rose Tanecka (915) 379-1129

LODGE 201 BLEIBLEVILLE-NELSONVILLE (1) Lodge building is across the street from the post office in Bleiblerville.

Secretary Lillie Mae Shupak (409) 865-2616 Sales Representative Dennis Korenek (409) 478-6149

Secretary Misty Houston Sales Representatives (254) 386-3222 Norman Kneschk, FIC Tammy Moss (254) 897-2670 Judith Riola (254) 965-7875 Joyce Russell, FIC (254) 796-4969

LODGE 205, TERRELL (3) Sales Representatives Bryan Cluck (972) 962-8762 (972)962-6284 Mary Cluck Charles Freeman (972) 524-9343 Cody Sherrard (903) 873-3761

LODGE 206, TRI COUNTIES (3) Secretary Wilmer Herring (254) 562-7508 Sales Representatives David G. Cooper (254) 729-5098 Henry Handy (254) 562-9474 Wilmer Herring (254)562-7508 Jerry Lee Kennedy (254) 562-6883

LODGE 207 CARRIZO SPRINGS (7)* Sales Representative David McDonald (830) 876-2418

LODGE 210, FAIRFIELD (3)* Sales Representatives (903) 389-5936 Jack Patterson Geroge Thompson (972) 245-7429

LODGE 211 PALESTINE (3)* Sales Representatives (903) 764-5795 Sharon Evans James E. McKenzie (903) 729-1710

LODGE 212, BOERNE (7)*

Sales Representatives Joe P. Cooper, Jr. (830)612-3602 Virginia G. Quiroga (830)88,5-2255 Tommie Turner (830)980-4560

LODGE 213, FREDERICKSBURG (7)*

Sales Representative Larry W. Ottmers (830) 997- 7933

LODGE 216, ATHENS (3)* Sales Representatives Jan Mooseberg (903) 852-6572 Maggie Perry (903) 677-0514

LODGE 218, LAREDO (7)*

Sales Representatives Ruben Martinez (956) 725-0903 Daniel Mendoza (956) 727-8608 Guadalupe Antonio Perez (956) 727-2962

LODGE 219, EL PASO (7)* Sales Representatives Ruth Fenack (915) 833-0215 Tony Fenack (915) 833-0215 Lodge Not

•

ganized

8/VESTNIK—Wednesday, January 19, 2000

Business Listings

Polasek's Air Conditioning Continuous service since 1947, Burleson and surrounding counties.

0 Air Conditioning t Heating Systems • Sheet Metal Contracting

2000 'dition ACCOMODATIONS The Lamb's Quarters Guest House 0 Close to NASA and Hobby Airport Margaret Cline, Owner Route 3, Box 660 Alvin, TX 77511 (281) 331-5042 brlmrg@aol.com The Summit "Colorado's Playground" • 5 Ski Areas • Fishing • Hiking 0 Climbing • Biking • Rafting 0 Etc. Buffalo Village Condominiums Silverthorne, Colorado The Reeves Family P.O. Box 830362 Richardson, TX 75083 (972) 437-1234 REEVELTM@yahoo.com

ACCORDIONS Cepak Accordion • Accordion Sales and Service • New Honer Corona Ils Bryan Cepak Grand Prairie, Texas (972) 606-1486 Gerhart Accordions "The most complete accordion repairs in the Southwest," Accordion Repairing and Tuning • New, Used and Custom Built Accordions • Microphones — Randall Amplifiers O Importer • Retail • Distributor Henry E. Gerhart 4706 De Milo Houston, TX 77092 (713) 682-2266

ADHESIVES United Resin Adhesives, Inc. Robert Cervenka, Sales 418 Jones Street Lewisville, TX 75067 (972) 221-9468

ADJUSTERS AND SURVEYORS McLarens Toplis North America, Inc. Adjusters and Surveyors.

David W. Janak Casualty Specialist 13140 Colt Road, Suite 117 Dallas, TX 75240 (972) 479-9095 Fax: (972) 479-0095

ADVERTISING AND MARKETING SERVICES Bonnie Group • Brochures • Newsletters • Ads Complete Marketing Services Since 1984 Bonnie Cox Hill, Owner 6615 Chancellor Spring, TX 77379 (281) 665-9596 Doss Sales Company "Advertising That Means Business" Ask for your SPJST discount!

Advertise • Promote 0 Communicate • Zippo • Doss-Tex Caps • Western Art Calendars • Business Gifts O Fine Writing Instruments H.G. "Butch" Doss P.O. Box 154171 I Waco, TX 76715 (254) 799-4152 (8(X)) 820-6448 I Fax: (254) 799-1608

Janice McLemore Graphic Design, Inc. Developing and management of high calibre print communication literature from concept to completion.

Sam Polasek and B.L. Polasek 102 North Main Caldwell, TX 77836 (409) 567-3270 Home: (409) 567-4121 Pro Tech Refrigeration, Inc. • Air Conditioning • Refrigeration • Ice Makers • Sales - Service Harry Svacek P.O. Box 21958 Waco, TX 76702 (254) 826-3387

Serving the Central Texas area for 12 years, • Brochures • Ads * Logos • Package Design * Posters O Newsletters • Magazines • Catalogues • Etc. Janice Haskovec McLemore President 5524 Bee Cave Road Suite K4 Austin, TX 78746 (512) 327-7977 Fax: (512) 327-7978 Jerome J. Hlavaty Nationwide Advertising "Special advertising for all your needs" • More than 10,000 Items Jerome J. Hlavaty P.O. Box 174 Lolita, TX 77971 (512) 874-4461

Sullivan Air Conditioning Company "Quality Service is our Business" Tye Sullivan, Design Engineer 4536 Ayers, P.O. Box 7178 Corpus Christi, TX 78415 (512) 852-5971

AIR PURIFICATION Living Air Experience Spring fresh air in your home year 'round with an air purifier from Living Air. There's no installation required. Just plug it in and start enjoying fresh air. Living Air freshens the air up to 2500 square feet.

Affordable. Only pennies a day to run. For a free demonstration or more information, please call. Dealer inquiries welcome.

Gay Revel P.O. Box 189 Nursery, TX 77976 (512) 573-4443

Visual Excellence, Inc. • Advertising • Printing • Photography • Design • Ad Specialties Paul A. Ortner, Sr. 12407 MoPac Expressway North No. 100, Suite 336 Austin, TX 78758-2499 (512) 837-2585 Fax: (512) 837-2639

AIR CONDITIONING Aaron's Air Conditioning Service Co. Heating and Air Conditioning Specialists, * Sales 0 Repair - Replacement O Authorized Warranty Service • Residential 0 Commercial • Insured • Licensed Dean Ray Patschke, Owner 1626-B Oak Tree Drive Houston, TX 77080 24-Hour Service: (713) 465-3481 Angell Air "Serving Our Customers Since 1983. We service all makes of air conditioning and heating in the Milam County area."

Bryant Heating and Cooling Systems • Licensed and Bonded • License #TACLB003801 C David Angell, Owner Route Three, Box 38D Cameron, TX 76520 (254) 697-4833 (800) 631-4833 Care Service Company, Inc. Since 1946, • Am Conditioning and Heating • Sales • Service • State License #TACLB000422 • State License #TACLB000682 Louis Matusek and Sons 2041 Delery Houston, TX 77055 (713) 467-5905 Dziadek Air Conditioning and Refrigeration • 24 hour emergency service Greg Dziadek 4833 Saratoga Blvd.

Corpus Christi, TX 78413-2213 (361) 991-6912 Fax: (361) 991-6947 John D. Lang Air Conditioning and Heating 4101 Oakcreek Dr. Austin, TX 78727 (512) 244-1866 mracr@flash.net

AM WAY Amway Eric and Kathy Halverson 801 Elmwood Drive Baytown, TX 77520 (281) 428-8517 Amway and Matol Products James and Ann Schoeneman Distributors Route Two, Box 217 Caldwell, TX 77836 (409) 272-8444 Martinek Enterprises • Amway Products and Services • Artistry Skin Care Products

Pisar, Don Interested in all things Czech!

• Oid postcards, pictures, books • Czech glassware, pottery, pioneer items • Don't throw things away before checking with me if they are valuable!

• I will pay for items of value.

Don Pisar 3001 Cordova Drive Temple, TX 76502 Evenings and weekends: (254) 778-36 Price Auction Corn ny James D. Toungate P.O. Box 386, Round Rock, TX 78680 (800) 673-3911

APPLIANCES City Appliance Sales and Service George Wiest 304 South Doughty Rockport, TX 78382 (512) 729-0152 Hons Appliance Store • Appliances • Bedding Kirby and Judy Hons 203 South Panna Maria Karnes City, TX 78118 (830) 780-4344 White's Home and Auto Store of El Campo, Inc. DBA White's Western Auto Associate Store J.F. Baros 117 South Mechanic P.O. Box 1017, El Campo, TX 77437 Office: (409) 543-3911 Home: (409) 543-7520

APPRAISALS (PERSONAL PROPERTY) Jack Gartner, CAGA Personal Property Appraiser.

• Antiques • Farm Machinery • Animals • Business Inventory • Equipment, Etc. 0 Member of Certified Appraisers Guild of America Jack Gartner 1303 Hughes Road Lufkin, TX 75901 (409) 637-9407

APPRAISALS (REAL ESTATE) Charles Munday Appraisal Service • State Certified • General Real Estate Appraiser Charles Munday P.O. Box 211 Bryan, TX 77806 (409) 775-7070 Fax: (409) 775-7071

Emil and Margaret Martinek 8046 FM 660 Ennis, TX 75119 (972) 878-3918

ANIMAL HOSPITALS Oak Hills Animal Hospital Highway 181 North, P.O. Box 370 Floresville, TX 78114 (830) 393-4600

ANTIQUES, COLLECTIBLES AND AUCTIONS Aleen's Collectibles • Antiques • Collectibles • Coins • Household • Buy • Sell • Trade Aleen Gaida, Owner 709 West Eleventh Street Elgin, TX 78621 (512) 281-5821 Bartlett Auction • Antiques • Collectibles • Estate Sales • Consignments David Vanicek 130 East Clark Street Bartlett, TX 76511 (254) 527-4616 Home: (254) 985-2228 Eggs and Antiques "Specializing in Antiques, Collectibles, and Eggshell Art." Over 500 pieces of pre-World War II Czech pottery and art glass. Open most weekends or by appointment.

Joyce and David Whitehead Highway 159 2.5 miles east of Industry 11.7 miles west of Bellville Route One, Box 74 New Ulm, TX 78950 Shop: (409) 357-2960 Home: (409) 865-2466

ART CLASSES Wilson School of Art Specializing in beginning drawing and painting to children and adults.

Barbara Wilson Wednesday - Saturday: Temple (254) 778-7061 Monday - Tuesday: Denton (940) 566-2326

ART GALLERIES Dorothy's Corner Studio and Gallery Dorothy C. Wiest, Artist 304 South Doughty Rockport, TX 78382 (512) 729-0152 Milan Gallery Fine Art Gallery Jerry and Henrietta Milan Gallery Owners Talon Milan, Gallery Director 408 Houston Street Fort Worth, TX 76102 (817) 338-4278

ARTS AND CRAFTS Rubber Stamps • Thousands of rubber stamps * Hundreds of colors of paper • Lots of accessories for scrap booking and card making o Orders shipped to your home Scrapbook and card making classes available.

Cindy Kovar P.O. Box 9809 College Station, TX 77842-9809 (409) 694-2110 mckovar@txcyber.net

Wednesday, January 19, 2000—VESTNIK/9

Crafts • Handmade Wood and Corian Pens • Pen and Pencil Holder with Small Tray • Game Boards • Twirling Bottles Adolph Provazek 2003 Swansee Street Dallas, TX 75232 (214) 337-7297 Woodworker "I can build anything you want out of wood."

George Hlavinka Route Five, Box 124 Caldwell, TX 77836 (409) 535-4895

ATTORNEYS Attorney at Law Damian W. Abreo Hay & Pett, P.C. 10777 Northwest Freeway Suite 430 Houston, Texas 77092 (713) 680-3033 Fax: (713) 680-0502 dabreo @ hp-law,com www.hp-law.com/ Attorney and Counselor at Law Benjamin J. Cuba Eighth Floor, First National Bank Building 18 South Main Street, P.O. Box 1003 Temple, TX 76503 (254) 778-1824 Fax: (254) 778-8033 Attorney and Counselor at Law Court Cuba Eighth Floor, First National Bank Building 18 South Main Street, P.O. Box 1003 Temple, TX 76503 (254) 778-1824 Fax: (254) 778-8033 Attorney at Law James A. Evans P.O. Box 503, Hallettsville, TX 77964 (512) 798-5202 Attorney at Law Scott R. Hilsher 9777 Harwin, Suite 401 Houston, TX 77036 (713) 780-1355 Attorney and Counselor at Law Lawrence C. Hoff, Jr. J.D. 3708 Bradley, Houston, TX 77009 P.O. Box 55182, Houston, TX 77255 (713) 864-2468 Attorney at Law George Sidney Kacir 1821 Everton Drive, Temple, TX 76504 P.O. Box 5220 Temple, TX 76501 (254) 773-2171 Attorney at Law • Free Initial Consultation • General Practice Phyllis A. Oeser 5525 Airline Drive, Houston, TX 77076 (713) 691-6434 Fax: (713) 691-4084 Attorney at Law Legal Counseling and Representation Armond G. Schwartz P.O. Box, Courthouse Square Hallettsville, TX 77964 (512) 798-3668 (512) 798-2107 Attorney and Counselor at Law Mark S. Whitaker Compass Bank Second Floor 401 North Third, P.O. Box 1260 Temple, TX 76503-1260 (254) 774-8333 Fax: (254) 774-9353 Attorney at Law Douglas E. Yeager, P.C. 5123 Homer Street, Dallas, TX 75206-6621 (214) 827-8586 Fax: (214) 827-8557 Environmental Law Attorney Larry J. Pechacek 2500 First City Tower 1001 Fannin Houston, TX 77002-6760 (713) 758-2004 Fax: (713) 758-2346

Hacker, Morrow and Mathews Attorneys at Law Wesley H. Hacker, Lawyer 6630 Cypresswood Drive, Suite 200 Houston, TX 77379 (281) 379-6901 Fax: (281) 379-6916 Law Office of Ed L Laughlin, P.C. General Practice: • Divorce • Child Support • Wills and Probate • Bankruptcy • Debt Relief • General Criminal Defense • Real Estate • Landlord/Tenant Law • Personal Injury Ed L Laughlin, P.C. Temple Office: 1509 West Avenue J Temple, TX 76504 (254) 773-8399 Fax: (254) 773-8426 Bastrop Office: 710 Water Street Bastrop, TX 78602 (512) 321-7373 Fax: (512) 321-9071 Killeen Office: 1101 E. Central Texas Expressway Killeen, TX 76541 (254) 699-2460 Fax: (254) 953-4528 Waco Office: 427 N. 38th Street Waco, TX 76710 (254) 714-2500 Fax: (254) 714-2564

AUTOMOBILE DEALERS David Ford Sales, Inc. Robert David, Jr„ Owner Certified Sales Manager 110 South Washington, Pilot Point, TX 76258 (940) 686-2236 Metro: (214) 434-1417 Fax: (940) 686-5891 David Moore Ford and Mercury "Call me for your Ford and Mercury needs."

Alan Pilgrim, General Manager On the Square across from the courthouse Beeville, TX (361) 358-8877 Fitzhugh's Quality Cars Specializing in Quality Used Cars.

Rick Fitzhugh 2102 Clinton, Cuero, TX 77954 Office: (512) 275-5300 Home: (512) 275-3054 Texas Motors Ford New and used cars and trucks.

Frank "Pro" Prochaska 2020 South Cherry Lane Fort Worth, TX 76108 (817) 246-4921 Metro: (817)429-1910 Fax: (817) 246-0967 Texas Trucks and Toys Buy • Trade • Wholesale • Retail Sell • Finance John Phillips 11100 North IH-35, Austin, TX 78753 Office: (512) 837-9644 Pager: (512) 604-5155

AUTOMOBILE REPAIR Abur Auto Air Automotive air conditioning and heating service and repair.

"We participate in the Refrigerant Conservation Program. " Whole A/C Parts Warehouse Reginald Burda and Michael Burda 12112-A Roxie Drive, Austin, TX 78729 (512) 250-9336 Al Kral Automotive, Inc. "The experts in precision automotive care."

3615 West Ledbetter Drive Dallas, 1X 75233 (214) 333-3938 Bobby's Repair Service • Tractor Repairs • Truck Repairs • Auto Repairs Robert Adams, Owner Route One, Box 114-B, Karnes City, TX 78118 (830) 583-4051 C & E Auto Care • Brake Service • Tune Up • Air Conditioning • State Inspection • Transmissions • Alignments • Radiator Shop • Electrical Benjamin Koudelka 5114 Highway Six North, Houston, TX 77084 (713) 463-4156

Capps Generator and Starter Repair • Complete Auto Repair • Electrical Systems Specialists

Gene's Auto Service • General Repair • Specialty • Automatic Transmissions Gene Valigura, Owner 106 Marion El Campo, TX 77437 Office: (409) 543-3762 Home: (409) 543-3128

Bertha Capps, Frank Capps, Willie Capps 1723 West Avenue D Temple, TX 76504 (254) 778-4371 Ray's Auto Repair

East Adams Pre Elden and Becky Zavodny Owners Frank Rodriguez Shop Manager 903 East Adams Temple, TX 76501 (254) 773-4617 Ed's Automatic Transmission Service "33 years experience. One day service."

• Foreign and Domestic • Automatic Transmissions • Standard Transmissions and Torque Converters • All Makes and Models in Stock Edwin Kral 4031 South Beltline, Section F Grand Prairie, TX 75052 (972) 263-5915

• All Types of Auto Repair • Major and Minor Diesel Repair • 24-Hour Wrecker and Service Calls Ray Coots, Owner 872 FM 437 Burlington, TX 76519 (254) 985-2206 Stalmach's Automotive Center • General Automotive Repair • Auto Radiator Repair • Agricultural Radiator Repair Bruce Stalmach, Owner 500 West Second Street Taylor, TX 76574 (512) 365-3341 Thunder Road Specializing in Custom Paint and Auto Body Repair

Frank's Garage—NAPA Auto Care Center "We install quality NAPA parts."

Charles and Tisha Bucanek 901 Brandi Lane Round Rock, TX 78681 (512) 264-0607 Fax: 246-0093 Pager: 304-6353

Specializing in: • On Board Computers • Suspension • Fuel Injection • Performance • Air Conditioning Don Valenta South 25th Street and West Avenue C, Temple, TX (254) 778-3041

Tom's Auto Care "Complete Automotive Service."

Tom Valenta 803 West Avenue M Temple, TX 76501 (254) 773-2630

GT Service and Equipment • Installation • Service • Repairs • Sales Glen Pruski and Tony Moreno 10803 Nacogdoches P.O. Box 33292 San Antonio, TX 78265 (210) 653-9570 Fax: (210) 653-1638

Two Guys European Specialists • Audi • Volkswagon • BMW • Porsche • Mercedes Michael Hradil 8615 Bart Lane Houston, TX 77040 (713) 896-8436

Family Protection for Less than $2 Per Day? Here's How. If it's been a while since you bought life insurance, you may be in for a pleasant surprise!

The cost per thousand dollars worth of coverage has decreased considerably from where it was just a few years ago. In evaluating your family's needs, SPJST's Modterm Program may be what you're looking for. Both 10-year and 20-year plans can be purchased in varying amounts to fit your special needs.

Since it was introduced in 1994, SPJST's Modterm — short for "Modified Term" insurance has been one of our most popular insurance programs. And for good reason, the 10-year Modterm certificate carries with it an "age enhancement option" that allows the certificate holder to double coverage at any time between the second and ninth year of the Modterm issue date at the original premium rate.

To find out more about the 10- or 20-year Modterm certificates and how they may fit in with your needs, please contact your local lodge sales representative.

Examples of the Modterm Plan in Action *Husband, Age 35 - Nonsmoker *Wife, Age 34'.=. Nonsmoker **Two Children Between Ages 0 - 24 Total Annual Premium

Amount.. of Coverage

Annual Premium/ Monthly Premium

$200,pgpi $200,000:: $15,000

Vg6/$27 $250/$23 $84 $630

TropoSe4 plan is our Modierm: j10-year rerfeWable and come rtibtgipSurance. **Propoed plan is our Mod/tied Lite-Juvedife4based on two units of $7,500 each.

Term product to age 25

10/VESTNIK—Wednesday, January 19, 2000 BAIL BONDS G & S Bail Bonding "If in trouble, Sue can help."

• 24-Hour Service Sue Pauling 1812 Mabry, Waco, TX 76711 (254) 754-3628 Home: (254) 754-7633

BAKERIES Betty's Bakery Betty Macalik 212 West Brown Street Ennis, -IX 75119 (972) 878-6830

Macalik@webtv.net Cookie Bouquet Say It With Cookies . . .for those occasions that call for a special gift.

Joyce Blduau Sue Massey Annie Vahalik Owners 8607 North Navarro, Suite C Victoria,TX 77904 (361) 574-9500 Toll Free: 1 (877) 358-4712 Fax: (361) 574-9526 Kolache Shoppe For all occasions, please call in advance.

In Business for 51 years • Homemade Czech Bakery • Decorated Cakes • Kolaches, Cookies and Donuts • Homemade Bread Debbie and Irene Bucanek 919 West 4th Taylor, TX 76574 (512) 352-5364 Rockport Bakery Open Tuesday - Saturday 5 a.m. - 5 p.m.

Sunday 5 a.m. -12 p.m.

Lucas Guerra Highway 35 North and Broadway Rockport, TX 78382 (361) 729-5044

BANKS West Bank and Trust • Member FDIC Ernest L. Bezdek Senior Vice President P.O.Box 279 West TX 76691 (254) 826-5333 South Texas Savings Bank, fsb Dennis R. Vanek Assistant Vice President Data Processing Officer 1205 North Navarro Victoria, TX P.O. Box 2118, Victoria, TX 77902 (512) 573-5241 Point Bank "A People Bank."

• Member FDIC J. Raymond David, President/C.E.O. 200 South Highway 377 P.O. Box 278, Pilot Point, TX 76258 (940) 686-5526 Fax: (940) 686-5536

Noticeable Changes Beauty Salon "Super cuts for guys and gals."

Frieda Polasek, Owner/Operator 104 North Main Caldwell, TX 77836 (409) 567-4780

Ruby Orsag, N.H.C.A., Owner 3705 Latimer Waco, TX 76705 (254) 799-3201 Wally Williams Salon Hairstyling and Barbering Jim Strunc 6022 Luther Lane (In Preston Center) Dallas, TX 75225 (214) 363-8196

Carol's Cuts Family Hair Care and Tanning Salon.

Carol Toliver, Stylist 403 South Franklin, Holland, TX 76534 (254) 657-0143 Dee Dee's Salon Delores Wolf, Hair Stylist Kathy Kucera, Hair Stylist Shirley Dobecka, Hair Stylist and Nail Technician 316 North Main Street West IX 76691 (254) 826-4478

Senior Life.

A Plan for Members Between 50 and 80.

How much is your life worth?

And how much did you insure it for?

The SPJST Senior Life Plan is for people in good health who can correctly answer "no" to the general health questions on the application. The SPJST Senior Life Graded Benefit Plan is for people with some health problems but are still found to be eligible. This plan has some limitations on coverage.

The Senior Life Graded Benefit provides an accidental death benefit for the fuii amount of the certificate immediately for the first three years. The death benefit from other causes is the refund of premiums, plus 20 percent. After three years, both Senior Life plans provide exactly the same benefit.

No doctor's examination is necessary and the coverage cannot be canceled, so long as premiums are paid. Moreover, the Senior Life plan has a guaranteed cash value and a certificate loan benefit.

For more information on the SPJST Senior Life certificate or other financial products, please contact your local lodge sales representative.

Goliad Gift Gallery and Collectors Emporium "We try to locate books you are looking for."

• Old and Rare • Texas • History • Coins • Stamps • Other Collectibles • Texana • Americana Weldon and Everett Horadam 201 North Pearl Street (next door to Dairy Queen) Goliad, TX 77963 (512) 645-2877 Fax: (512) 645-4028

Beef Conte Ranch "Meat for the freezer or raise your own."

BRIDAL SHOPS

Evelyn Mikeska 10126 Moorberry Lane Houston, D( 77080 (713) 468-3126 (409) 249-5222

BEER WHOLESALERS Mikeska Distributing Company Colt 45 • Shiner Bock • Pearl Pearl Light Lager Beer Country Club Malt Liquor R. Charles Mikeska, Ill 1000 West Adams Temple, TX 76501 (254) 773-3441

Weddings by Debbie • Bridals • Formals • Tuxedos Business Hours: Tuesday, Wednesday and Friday: 10 a.m. -6 p.m.

Monday and Thursday: 10 a.m. - 8 p.m.

Saturday: 10 a.m. - 6 p.m.

Sunday: 1 - 5 p.m.

Alvin and Debbie Unhart, Owners 829 South Mason Road Katy, TX 77450 (281) 647-6255 307-A Sawdust Road Woodlands, TX 77380 (281) 364-8879

BLINDS AND WINDOW TREATMENTS

BUILDING CENTERS Baca Building Center, Inc.

Window Works Window Treatments

Box 535 Rosebud, TX 76570 (254) 583-7311

• Custom Blinds • Shades • Shutters

• Draperies • Bedspreads • Free In-Home Estimates Jesse and Brenda Esparza, Owners 2314 W. Adams Ave., Suite #B Neon Square Temple, TX 76504 (254) 773-9890 Toll Free: (888) 325-3395 FAX: (254) 773-9351

BOAT REPAIR Fiberglass Masters Boat Repair Factory authorized OMC technicians.

• Expert Fiberglass and Gelcoat Repair • Floors, Transoms, and Carpet and Custom Rigging • Servicing most makes of outboards and stern drives Randall Gerik and Arnold Gerik, Jr., Owners 101 Our Road Waco, TX 76712 (254) 848-4110

BOAT STORAGE Two tough questions. Questions that get even tougher as you get older. Now, thanks to SPJST's two Senior Life insurance plans, we may have some answers for you.

BOOKS

BEEF/CATTLE

Lovers Lane Barbers Since 1938.

BEAUTY SALONS

Charles and Tisha Bucanek 901 Brandi Lane, Round Rock, TX 78681 (512) 246-0607 Pager: (512) 304-6353 Fax: (512) 246-0093

Ruby's Beauty Salon Manicures by Ruby Orsag

BARBERS

Norbert (Red) Mikulec, Owner 4331 Lovers Lane at Douglas Dallas, TX 75225 (214) 522-6595

Thunder Road Specializing in Custom Paint and Auto Body Repair.

C & E Boat and R.V. Storage Serving Bear Creek/Copperfield Area.

Benjamin Koudelka 5114 Highway Six North Houston, TX 77084 (713) 463-4173

BODY SHOPS Jeff's Auto Rebuilders Paint and Body Shop • 24-Hour Statewide Towing Service Jeffrey E. Barta, Owner 303 Coughran Road Pleasanton, TX 78064 (830) 569-2017 (800) 750-2446 Pager: (830) 569-2808 Fax: (830) 569-3789 Lee's Body Shop Complete Body Work.

• Specializing in Collision Repairs • Insurance Claims • Open six days, 8:30 a.m. to 7 p.m.

Lee Gaydos, Owner Gary Gaydos, Jr., Shop Foreman 204 South Mays Round Rock, TX (512) 255-2284

BUILDING SUPPLIES Chas. F. Williams Co., Inc. Sales and installation.

• • • • • • •

Skylights-Smoke Vents Roof hatches • Steel Doors Aluminum and Steel Windows Armstrong Acoustical Ceilings Chalkboards and Tackboards Flagpoles Projection Screens John Paprskar Administrative Vice President 328 Lipscomb Fort Worth, TX 76104 P.O. Box 1724 Fort Worth, TX 76101 (817) 332-6363 Metro: (817) 654-1977

Four Seasons Windows & Doors Serving Brazoria County since 1985.

• Screens • Doors • Windows • Solar/Sun Screens • Steel Entry Doors • Patio/Terrace Doors Vickie and Mike Kaatz, Owners 948 East Mulberry (East Highway 35) Angleton, TX 77515 (409) 297-7989 (409) 849-8139 (409) 849-2795

CAMPERS Hornet Campers "Best for less since 1967."

New Campers • Custom Built Camper Top Rentals and Sales Century • Hornet Pick-Up Tops Rodeo Overhead Campers Aluminum • Wood • Fiberglass Repairs to: Camper Tops • Travel Trailers Pickup Tops • Aluminum Welding Pickup Sliders, VVindo‘k, and Doors Financing Available Cheryl Lett, Sales Robert Bielamowicz Sales George A. Janacek, Owner Home: (713) 697-7329 Roselee D. Janacek, Vice President 7003 Airline, Houston, TX 77076 (713) 691-7252

Wednesday, January 19, 2000--VESTNIK/ 1 P & S Camper Manufacturing, Inc. "Home of Kamp-King of Texas"

O.D.'s Catering Service • Barbecue • Fish Fries • Mexican Food

• Campers for Pick-Ups • Campers for Travel Trailers • Sales • Service • Repair • Rental • Tri-Glas VMC Fiberglass, Inc. • SnugTop • A.R.E. • Sportsman Pickup Covers Lester L. Pomykal Highway 320 at Highway 77 P.O. Box 209 Lott, TX 76656 (254) 584-2771 Home: (254) 584-4281

CAPS AND CLOTHING Doss Sales Company "Advertising That Means Business."

"Ask for your SPJST Discount."

• Advertise • Promote • Communicate • Doss-Tex Caps • Zippo • Western Art Calendars • Business Gifts • Fine Writing Instruments H,G. "Butch" Doss P.O. Box 154171 Waco, TX 76715 (254) 799-4152 (800) 820-6448 Fax: (254) 799-1608

O.D. Otte Route One, Box 23-C Covington, TX 76636 (817) 854-2629 (817) 641-2568 (254)854-2126

COINS Goliad Gift Gallery and Collectors Emporium • Old and Rare Coins • Mint Sets • Foreign Coins • Stamps • All Kinds of Collectibles • Texana • Americana Weldon and Everell Horadam 201 East Pearl Street (next door to Dairy Queen) Goliad, TX 77963 (512) 645-2877 Fax: (512) 645-4028

Wehring's Custom Catering Service "Fine table decorations and food with a personal touch."

• Weddings • Banquets • Picnics Edna and W.F. Wehring, Jr. Owners 1831 Crystal Court Houston, TX 77008 (713) 864-2815

CEDAR LUMBER Cedar Lumber For Sale • Custom Built Tables • Cedar Chests George Hlavinka Caldwell, TX (409) 535-4895 Fax: (409) 567-0850

COLLECTIBLES Czech Point Collectibles and Antiques • Glassware • Furniture • Primitives • Collectibles • Open: 10 a.m. to 5 p.m.

Thursday to Sunday Ed and Undo Havel 210 West Pine (Located behind City Hall) West, TX 76691 (254) 826-7144 Goliad Gift Gallery and Collectors Emporium • Texana • Americana • Old and Rare Books • Glassware • Wide Variety of Collectibles Weldon and Everell Horadam 201 East Pearl Street (next door to Dairy Queen) Goliad, TX 77963 (512) 645-2877 Fax: (512) 645-4028

CEDAR POSTS Mountain Cedar Posts "For Your Fencing Needs."

CATERERS

James Bacak and Brad Bacak P.O. Box 1426 El Campo, TX 77437 (409) 543-9362

Bessie's Wedding and Catering Service • Wedding Consultant • Catering For All Occasions Bessie Petr 2636 Swiss Avenue Dallas, TX 75204 (214) 821-4566 Home: (214) 826-3557 (214) 826-1337 Captain Red's Catering For All Occasions!

• Fried Catfish • Chicken • Barbecue • Chicken Fried Steak • Roast Beef • Fajitas • Sirloin and Ribeye Steak David "Red" Oman P.O. Box 157 Hutto, TX 78634 (512) 759-3600 Countryside Catering Catering for all occasions.

• Weddings • Anniversaries • Reunions • Parties • Special Events Edwin Pechal Route Three, Box 754 Temple, TX 76501 (254) 985-2282 Custom Catering "Our goal is the service of excellent food and complete customer satisfaction."

• Breakfasts • Effortless Breaks • Lunch and Dinner Entrees • Service • Hors D'Oeurves Wayne Hanusch Owner/Events Coordinator 1101 West Main Little River, TX 76554 (254) 982-9809 Harvey's Catering • Parties • Weddings • Special Occasions Harvey LaFlamme (254) 666-3620 Lasting Memories "Catering for that special moment in your life . . ."

• Weddings • Anniversaries • Retirements Judy Pechal (254) 985-2282 Janelle Novosad (254) 985-2601 Maurice Mikeska Complete Catering Service.

Maurice Mikeskc 218 Merchant Street El Campo, TX -5471 ) (800) 388-2E52

Old Prague Market • Imported Czech Crystal and Giftware • Porcelain • Garnets • Rosaries • Jewelry • Unens • Dolls • Hours: Mon-Fri 10-6:30, Thur 10-8, Sat 9-5

CHEMICALS

W.C. and Barbara Kolinek, Owners 104 North Railroad, P.O. Box 804 Pflugerville, TX 78691 (512) 251-7330

Space Chemicals Co. Since 1962.

• Industrial Cleaning Compounds • Aluminum Cleaners • Etchants • Deoxidizers • Vat Compounds • Degreasers • Rust Foe Frank G. Holubec 1600 Keene Houston, TX 77009 (713) 227-8380

COMPUTER SERVICES/SUPPLIES CJM Enterprises • Computer paper • All Stock Sizes • Custom Invoices, Checks • 2 to 3 Day Delivery Anywhere in the State of Texas

CHILD CARE

C,J. King, Owner Route Two, Box 1568 Pflugerville, TX 78660 (512) 251-4756 Fax: (512) 251-7708

Daycare Provider Adell Valek 116 Lumpkin Drive Ennis, TX 75119 (972) 875-2480 Eagle's Nest Child Care, RFH Caring for children ages birth to 12 years in my home.

Cheryl Meyer 85 County Road Belton, TX 76513 (254) 780-3641

Computer Guys Service , Support , Sales • On-Site Training • Technical Support • Networking • Business Consulting • Internet Set-up and Sales • Custom Computers and Upgrades Serving all of Central Texas Keith Gatewood 206 North Bell Street Hamilton, TX 76531 Phone/Fax: (254) 386-4380

Mare-Mare's Child Care • Child care by the week days • Drop-ins by the hour • Evenings or afternoon shifts on space available Marilyn Walton-George 111 South Buchanan Road, No. 49 Little River, TX 76554 (254) 982-4894

keith@rightclik.com www.rightclik.com Dobecka Enterprises • Consulting • Analysis • Custom Programming • Specializing in AS/400 and attached PCs Bob Dobecka, Owner P.O.Box 682 Elm Mott, TX 76640 (254) 799-8550

CLOCK SERVICE AND REPAIR Central Model Ironcraft Studio • Antique Clock Repair • Sales Stanley E. Vrla 6641 Patrick Dallas, TX 75214 (214) 826-2670 (214) 528-4918 Central Model Ironcraft Studio Since 1946.

• Custom Ornamentatlron • Hand Wrought Craftsmanship • Antique Clock Repai?

Stanley Vrla and Ken Vrla 4527 North Central Expressway Dallas, IX 75205 m214) 528-4?1 I,

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RIMS Software & Computer Systems Thomas E. Jarrett, Chairman Chief Executive Officer 13526 George Road Suite 201 San Antonio, TX 78230 (210) 493-3394 Fax: (210) 493-3398

CONCRETE CONTRACTORS Ehler Concrete Construction Michael and Joetta Ehler, Owners Route One, Box 51 Cameron, TX 76520 (254) 697-3502 Steven R. Hill Construction Company, Inc. All types of commercial concrete work.

Steven R. and Gayle (Motal) Hill 7782 Hammerly Houston, TX 77055 (713) 956-5861

CONSTRUCTION (ALSO SEE GENERAL CONTRACTORS)

Custom Marble and Tile Residential and Commercial Jon Durham (817) 581-9620 (81 /) 229-0299 Durham Custom Homes Quality Construction Jon and Danele Durham 7152 Bridges Richland Hills, TX 76118 (817) 581-9620 (817) 229-0299 G. C. Welding and Construction • Shop Fabrication and Repair • Portable Fabrication and Repair Mig Tig and Stick • Miscellaneous Backhoe Service Greg Cloer 133 Crooked Hollow Road Elgin, TX 78621 (512) 796-5100 Fax: (512) 281-2847 Golden Crescent Construction Custom Built Metal Buildings Custom-built all steel pole barns, fully enclosed buildings. Also Pre-Fabricated Buildings. Anywhere in Texas.

Price example 30' x 60' x 10' Three-side Pole Barn Fully Erected : $6,995 Allan Skar, II Allan Sklar, Sr. 5292 Hwy 185 S Victoria, TX 77905 (361) 573-5775 Fax: (361) 573-3401 L Gomez Sheet Metal, Inc.

• General-Industrial • Custom Specialty Work P.O. Box 517 5130 Highway 53 East Temple, TX 76503-0517 Office: (254) 773-7561 Fax: (254) 778-3055 1 (800) 722-7561 Joe Nekuza and Associates Commercial and residential builders since 1960.

Joe Nekuza Route Two, Box 225 Ennis, TX 75119 (972) 875-2866 Screen Service • Wood and Aluminum • New and Repair

Edward Wolbrueck, Jr. 1407 Burn's Blvd.

Taylor, TX 76574 (512) 352-2687

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GOLDEN CRESCENT CONSTRUCTION

Custom Built All-Steel Pole Barns • Fully-Enclosed Buildings Also Pre-Fabricated Buildings • Anywhere in Texas Price Example x 60' x Three-Side Pole Barn Fully Erected: $6,995 ,,, .1 E2r" Sider, Sr. Phone ;3611 573-5775 :FAX 1361) 573-3401 odge 97, Placer;:.

12NESTN IC-Wednesday, January 19, 2000

Youth Program Aims High in 2000 To build character among the

young and to pursue educational, patriotic, social and athletic recreation. Those are the goals of the SPJST's statewide youth program.

On an annual basis, youth clubs from 33 lodges across the state sponsor a wide range of social activities, community service projects and charity projects. It's about having fun but it's also about contributing to the welfare of the people of Texas.

The youth program is coordinated by the State Youth Director who works closely with seven District Youth Counselors who are elected by each district. In addition, the program relies on the support of approximately 70 youth leaders and numerous parents who volunteer their time to support the program.

The educational aspect of the SPJST Youth Program is an integral part of local youth club activities. State and local programs address a range of areas, including human relations, nature, parliamentary procedure, juvenile decency, arts and crafts, the fine arts, music, dramatics and ethnic tradition. Youth club members range from age six to high school senior.

The patriotic program consists of ceremonial rituals and an annual essay contest. The objective is to teach the operation of a free democratic society and majority rule. The social program includes parties, dances, picnics, pageants, hay rides and family group activities.

Summer Camp

The SPJST also makes summer camping trips available to its active young members. Approximately 300 youngsters attended in 1999. To qualify for the free camp session, campers must be SPJST members by October 31 of the year before the camp, and

must attend 7 out of 12 youth meetings in the months preceding camp.

Youth camp funds come from an annual allocation made by the SPJST Supreme Lodge. Professionals are hired for instruction in archery, aquatics, horsemanship and as camp nurse.

Much of the chaperoning and programming is done by parents and SPJST trained leaders. Typically, adult leaders receive training at an annual workshop held during the second weekend of March. A second workshop for youth club members in high school is conducted during the first weekend in June.

State Royalty and Youth Achievement Day In addition to the camp program, the SPJST offers its young people a program which encourages participation in various individual and group contests. The program culminates with the State Royalty Contest and Youth Achievement Day (YAD), held on a statewide basis on the first weekend in August. The crowning moment of the SPJST's royalty competition is the coronation of the king and queen who are selected on the basis of a speech during which they are scored on content, delivery and overall presence. All of the individuals who compete for the honor are winners in their own right, having been selected to represent their respective districts as king and queen candidates.

The SPJST's youth program is a cooperative effort that reflects the great potential of the SPJST - young and old - working together to achieve common goals and enjoying life together.

Information on local lodge youth clubs may be obtained by contacting your local lodge, District Youth Counselor or the State Youth Director at the SPJST Home Office.

-SPJST-

For local youth club information, please contact the youth leaders listed befow or your District Youth Counselor listed on page two.

Shirley Kalmus (281) 494-7257 Lodge 4, Hallettsville Elise Koerner (Contact) (940) 686-2786 Lodge 5, Pilot Point-Tioga Peggy Dobecka (254) 799-8550 Lodge 6, Cottonwood Marie Shelfer (409) 272-8100 Lodge 9, Snook Carla West (409) 884-0540 Lodge 13, Dime Box Susan Skrabanek (409) 272-3440 Lodge 17, New Tabor

Rosamond Baker (254) 985-2457 Lodge 24, Cyclone

Debbie Geller (254) 662-4934 Lodge 66, Waco

Sandra Slovak (972) 875-7657 Lodge 25, Ennis

Bessie Petr (214) 826-3557 Lodge 84, Dallas

Helen Kelner (281) 342-2624 Lodge 28, East Bernard

Barbara LinneyGonzales (713) 649-6138 Lodge 88, Houston

Carol Green (512) 365-7892 Lodge 29, Taylor

Gayle Fuller (817) 221-2379 Lodge 92, Fort Worth

Ann Sammet (972) 435-2339 Lodge 180, Burleson

Donna Vanek (361) 573-6771 Lodge 97, Placedo

Theresa Haag (830) 606-6817 Lodge 185, New Braunfels

Wendy Pruski (830) 393-2600 Lodge 107, Floresville

Linda Johnson (512) 272-8716 Lodge 187, Round Rock

Mile Milan (817) 236-3620 Lodge 154, Fort Worth

Robert Castillo (281) 469-7408 Lodge 196, Houston-West

Betty Schwartz (915) 653-7915 Lodge 160, San Angelo

Trish Mathis (254) 778-3520 Lodge 200, Bruceville-Eddy

Lisa Bubela (409) 543-6593 Lodge 30, Taiton Barbara Pavelka (254) 875-2156 Lodge 35, Elk Binnie Roesler (409) 272-1216 Lodge 39, Bryan

Ruby Bowen (512) 281-2355 Lodge 18, Elgin

Michele Kunz (409) 648-2141 Lodge 40, El Campo-Hillje

Emilie Tischler (254) 985-2665 Lodge 20, Granger

Heidi Bartek (254) 984-2322 Lodge 47, Seaton

Kathy Wagner (830) 742-4463 Lodge 161, La Parita-Jourdanton Janet Lyon (254) 527-4371 Lodge 177, Academy Judy Treat (254) 546-2707 Lodge 182, Falls County

CONSULTANTS (AVIATION) Rick Alder, Consultant • Logistics • LSA/Lsar (Since 1980) • Military • Aerospace • Commercial 6257 Whispering Lane Titusville, FL 32780 (407) 383-0349

CONVENIENCE STORES Bordovsky Store • Groceries • Hardware • Pumps • Plumbing Supplies Aubrey and Linda Bordovsky Route One, Box Eight, Hobson, TX 78117 (830) 780-3169 Joe's Crestwood 7-11 Store • Groceries • Gas • Beer • Bait • Feed and More Edward and Judi Slampa, Owners Highway 729 at Johnson Creek Lake 0' the Pines Route Two, Box 508 Avinger, TX 75630 (903) 755-2263 Lakeline Grocery Just one-half mile from The North Shore - Lake Bastrop • Live Bait • Groceries • Gas • Ice • Cold Drinks • All TPWD Licenses • Movie Rentals • Lottery Shawn Oman, Owner Corner of FM 1441 and Pickle P.O. Box 12240 Bastrop, Texas 78602 (512) 303-2409

COSMETICS Aloe Vera Cosmetics By Djinni Complete line of skin care and beauty aids. Career opportunities offered.

Diana Pelzel 123 Tyler Terrace San Angelo, TX 76905 (915) 651-7922 Avon • Skin Care • Beauty Aids • Jewelry • Vitamins • Gifts for Men, Women and Children Thelma Grohmann 8523 Ridgepoint, Houston, TX 77055 (713) 468-8939 Valeria Motal 2207 Poplar, Victoria, TX 77901 (512) 575-1385 Joylene (Joy) Schimcek 5802 Weeping Willow, Houston, TX 77092 (713) 681-7975 Suzy Wiest P.O. Box 322, Edna, D( 77957 (512) 782-5597 BeautiControl Cosmetics "The World"s Premier Skin Care and Image Company" • Skin Care and Cosmetics • Skin Condition Analysis • Color Analysis • Personal Image Profile • Business Presentations Lillian A. Hanusch Image Consultant 240 Spur 1963 Rosebud, TX 76570 (254) 583-4228 Body Talk • Skin Care • Herbs • Color Analysis • Self-Esteem Julie Mandak 1821 Wonderlight Dallas, TX 75228 (214) 328-1596 Mary Kay Cosmetics • Skin Care • Glamour • Nail- Care • Hair Care • Body Care • Men's Products Sharon Hejl Independent Beauty Consultant 7273 FM 2086 Temple, TX 76501 (254) 984-2325 Karen Kaspar Independent Beauty Consultant Route Three, Box 224 El Campo, TX (409) 543-2532

Arlene Marshall, Consultant Route One, Box 167 Weimer, TX 78962 (409) 263-5235 Bonnie Cox Hill Independent Sales Director 6615 Chancellor Spring, TX 77379 (281) 655-9596 Dolores Skrabanek Independent Beauty Consultant 13107 State Highway 53 Temple, TX 76501 (254) 985-2344

COUNTRY CLUBS Webb Hill Country Club • 18 Hole Golf Course • Large Swimming Pool • Tennis Courts • Driving Range • Clubhouse Charles and Shirley Ranly Route One, Box 190A Wolfe City, TX 75496 (903) 455-4471

CREDIT UNION MANAGEMENT Corps of Engineers Employees Federal Credit Union (CEEFCU) Al Kercho Vice President/CFO P.O. Box 17630 819 Taylor St., Suite 2801 Fort Worth, TX 76102 (817) 332-8611 (800) 531-3414 Fax: (817) 332-8230 www.ceefcu.org Dallas Office: 1100 Commerce St., Suite 8D15 (214) 747-1306 Bedford Office: 4101 Airport Freeway, #141 Bedford Village (Hwy. 183 at 157) (817) 318-6300

CZECH GLASS Czech Glasshouse "Every piece is imported from the Czech Republic."

• Bohemian Crystal • Novelties • Crystal Miniatures • Modern Glass - Svoboda • Crystal Table Lamps, Chandeliers, Sconces Eugene Maroul Owner 1-35, next to the Czech Stop West, TX 76621 (254) 826-5100

DANCE INSTRUCTION Lisa's Dance Connection • Ballet • Tap • Jazz • Drill Team • Country Western • Private Classes Available Lisa Shed 118 West Avenue F Temple, TX 76504 Home: (254) 778-2799 Studio: (254) 778-9644

DATA PROCESSING Statistical Analyst and Data Processing Analyzing Data To Increase Your Efficiency and Productivity Tim H. Orsak 8623 Angora Street Dallas, TX 75218 (214) 327-3534

DEER PROCESSING Green's Sausage House Complete Deer Processing to Include: • Deer Breakfast Sausage • Deer Smoked Link Sausage • Deer Summer Sausage • Deer Cheese Sausage • Jalapeno Sausage • Jerky Charles and Marvin Green 10 miles east of Temple Highway 53 in Zabcikville (254) 985-2585

Wednesday, January 19, 2000—VESTNIK/13 DIETARY SUPPLEMENTS A.L.K. Specialities— Shaklee Food Supplements "They are not just vitamins, They are whole food factors and nourishment which builds strong cells, a sound immune system, and a healthy body" • Free shipping on orders of $50 or more • Distributors needed August L. Kucera P.O. Box 5142 Victoria, TX 77903 (800) 477-0614 The Energy Builder "Enhancing personal energy level, health and immune system."

Frankie Campbell 5543 Merkens San Antonio, TX 78240 (210) 680-4661 Matol Botanical International Products guaranteed to give you energy, boost your immune system and help you lose weight.

Independent distributor for Matol Botanical International offering well-known products as KM, Biomune OSF, progesterone creme and other fine products.

Thelma Hrncir Independent Distributor 3102 Vicksburg Street Corpus Christi, TX 78410 (361) 241-3114 KM Matol Botanical International Ltd. Helen Pavelka Independent Distributor Route Four, Box 118 Robstown, TX 78380 (512) 387-1384 Shaklee Marvin C. Heintze Independent Distributor 12304 Rolling Hill Drive Austin, TX 78758 (512) 836-7436 Shaklee Training Center

Tom Sellers 2121 Fountain View, No. 32-D Houston, TX 77057-3622 (713) 780-3585

ELECTRICAL CONTRACTORS Amos Electric Supply -• Electrical Contractor • Appliances • Light Fixtures Charles Amos President 5120 South General Bruce Drive Temple, TX 76502 (254) 778-4271 Home: (254) 778-7657 Bravenec Electric Services, Inc. Serving Houston since 1953.

• Commercial, • Industrial • Residential Wiring William Bravenec 902 West 22nd, Houston, TX 77008 (713) 864-2791 (713) 864-4168 Turner Electric Company A commercial and industrial service organization.

Daryl Turner 6509 Six Flags Drive P.O. Box 40268 Houston, TX 77240 (713) 462-8383 Fax: (713) 462-0140 Home: (713) 376-1543

Nutritional Supplements Biodegradable Household Cleaners Personal Care Bestwater Purification Systems The Shaklee Diet Jim Lesikar Shaklee Distributor 2601 North Azalea Suite 18 Victoria, TX 77901 (512) 573-0353 (512) 573-5346

DRYER DISTRIBUTORS Gerico Distributing Company Authorized World Dryer Distributor.

• Hand Dryers • Hair Dryers • Sensamatic Faucet • Sensamatic Hand Wash Station W.D Godley, Owner 44 Quintana Drive Galveston, TX 77554 (409) 868-0175 (409) 708-76(X) Fax: (409) 740-7109

DRYWALL CONTRACTORS Lone Star Drywall Service Rick Beck General Manager and Partner 3014 South General Bruce Drive Temple, TX 76503 (254) 773-4832

EDUCATION/PEER SUPPORT S.H.H.H.—Self Help for Hard of Hearing People "This does not mean quiet. In fact, Self Help for Hard of Hearing People is an organization to shout about!"

S.H.H.H. is a volunteer, international organization of hard of hearing people, their relatives and friends. It is a non-profit, non-sectarian, educational organization devoted to the welfare and interests of those who cannot hear well but are committed to participating in the hearing world.

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Country & Western Music Rock and Roll Light Jazz • Tejano Original Compositions Michael Morris • Temple, Texas Phone: (254) 985-2281 MIMI MIMI MIN OM=

The Czech Melody Masters Formerly The Dancehall Boys • Polka • Waltz • Country • Swing • Music for Every Occasion Thomas Durnin (512) 338-0994 Dennis Svatek (512).365-8245

members.aol,com.czechpolka/home.html East Bernard Czech Singers • Czech Music Cassettes • Video tapes • Recipe Books • Handmade Czech Crafts Martha Vildorin Coordinator Route Two, Box 224 17023 Highway 90A West East Bernard, TX 77435 (409) 335-7907 Ed Kadlecek and The Village Band "We play biergartens to ballrooms."

• Czech • German • Ballroom • Country and Western Ed Kadlecek 162 Camp Porter Route New Braunfels, TX 78130 (830) 606-9441 El Campo Melody Boys "The Most Versatile Band in Texas."

• Playing for all occasions • Honoring everyone's heritage Rudy Laitkep Accordionist and Manager Route Two, Box 231 El Campo, TX 77437 (409) 543-6842 Gilbert Kautz Orchestra "Ballroom and mixed music as you like it."

Gilbert Kautz P.O. Box 342, Taylor, TX 76574 (512) 352-6944 Granger Polka Boys Variety music for all occasions • Polka • Waltz •Country/Western One of the most popular variety bands in Central Texas, Frank Dirba (512) 898-0038

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Jerry Haisler and the Melody Five "Playing a variety of old and new country, polka and waltz music since 7967," • Available within 100 mile radius of Temple area • Cassettes and video tapes available Jerry Haisler 509 Filly, Temple, TX 76504 (254) 773-9646 Junior Pelzel and The Country Showmen "Dance to the latest in country music," Louis "Junior" Pelzel 123 Tyler Terrace San Angelo, TX 76905 (915) 651-7922 Kovanda's Czech Band Authentic Czech Polka and Waltz Music.

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Leland Miller Fayetteville, TX (409) 378-2291 ' •• Houston, TX 99-9299-

2-J Emu Station "Emu—A new frontier in ranching" Frank Lynn and Evelyn Jez 7844 FM 3117, Temple, TX 76501 (254) 983--3921

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ENTERTAINERS

"Products in Harmony with Nature and Good Health."

• • • • •

• Groups/Chapters in Several Texas Cities Southeast Texas (77nnn zip codes) area:

•••

Lee Roy Matocha Orchestra Old time and modern music for all occasions.

Lee Roy Matocha P.O. Box 159 Fayetteville, TX 78940 (409) 378-2245 The Moonriders "A Texas variety dance band."

James Stryk 1101 Merribrook Lane Pearland, TX 77581 (281) 992-7335 MorrisCode • Country and Western • Rock and Roil • Light Jazz • Tejano • Original Compositions Michael Morris Temple, TX 76501 Home: (254) 985-2281 Praha Brothers Czech music at its finest, • Old and New-Tyme stylings!

Billy Havlik (254) 984-2497

bigbill@stonemedia.com Michael Morris (254) 985-2281 Rudy and His Melody Boys • Old Time Music • Play for any occasion Rudy Laitkep Manager/ Professional Accordionist Rout 2, Box 231 El Campo, TX 77437 (409) 543-6842 Texas Armadillo Band "Music for all occasions!"

Willie Witek 107 Azalea Sugarland, TX 77478 (281) 242-2982 Texas Heartbeat "Come dance with us to old and new country," • Dances • Parties

• Weddings • Reunions For booking information, contact: Roger Kirby 117 Turtle Cove Elm Mott, TX 76640 (254) 829-2814

Uncle Karel, Czech Accordionist Playing for All Occasions Karel Matejka 713 East Calhoun El Campo, TX 77437 Home: (409) 541-5759 Pager: (409) 292-2206 Vanek Brothers of Victoria "Playing for your weddings, anniversaries, dances, and parties."

• Polka • Waltz • Country Western James Vanek, Matthew Vanek Dennis Vanek, Kenneth Vanek and Arthur Zarosky Victoria, TX (512) 578-2687 Vrazel's Polka Band "Providing polka, waltz and country music since 7953," Voted "Band of the Year" several years by the Texas Polka Music Association.

For booking information, contact: Anton Vrazel (254) 593-2044 Westbound Band "The Best in Country Music."

• Dances • Parties • Weddings

• Reunions Jerry Listvan 9326 Guywood Houston, TX 77040 (713) 896-0356

ENTERTAINMENT Alfred Vrazel Polka Show Since 1955. Heard on KMIL 1330 AM every Sunday from 72:75 pm, to 2 p.m.

For information, contact: Alfred Vrazel (254) 593-3021 Czech Melodies and Memories Czech Music Radio Program Listen on KTEM 7400 AM on Sundays from 6:00 a.m. - 8 •30 a.m.

• Quality Czech Music and Fun • Give -Aways • Bulletin Board Michael Morris, Host Radio call-in numbers: (254) 773-1400 800-460-1023 KTEM Radio 301 North Main Street Temple, TX 76501 mailbox@ktem.com ktem.com Morris ProAudio Systems On-site rental service for set up, operation and service of public address (PA) system and amplification for entertainment, speeches, etc.

Michael Morris (254) 985-2281 Sunday Morning Polka Show Heard on KBEC 1390 AM every Sunday morning from 9 to 10:50 a.m.

Internet Access!

Audio can be downloaded at

http://www.KBEC.com • Polkas • Waltzes • Dedications Johnnie I. Krajca Emcee 2372 Crisp Road Ennis, TX 75119 Ennis: (972) 878-6149 Waxahachie: (972) 938-1390

14NESTNIK—Wednesday, January 19, 2000 Ted Kuba's Farm and Ranch Equipment Repairs

EXHIBITS Felix Hajek's Garage Memorabilia of Early Praha Auto Service Events • Music • Sports • Travels Polka CDs • Souvenirs • Cold Drinks Call or write for a free mail order list.

Felix Hajek, Sr., owner and operator for 53 years (1931 - 1984) Mrs. Felix Hajek, Sr. and Felix Hajek, Jr. Praha-FM 1295 (HO Exit East No. 668 or West No. 661) Flatonia, TX 78941 Praha: (361) 865-2512 Evening (Houston): (281) 497-1096 Exhibit: (979) 249-6242

FARM AND RANCH EQUIPMENT AND REPAIRS Brookside Equipment Sales, Inc. Quality agri-turf products.

• Tractors • Mowing Equipment • Farm Equipment • Sales/Service Raymond and Annette Bielamowicz 190031-45 North Spring, TX 77388 (281) 353-0204 Fairbanks Tractor and Equipment Co. • Cub Cadet Lawn and Garden Equipment • Sales • Service • Parts Florence Moak 13810 Hempstead Road Houston, TX 77040 (713) 462-1345 Mustang Tractor & Equipment Co. • Sales • Parts • Service for Caterpillar Products Bennie Reck El Campo, TX (409) 543-3389

• Tractor • Diesel • Water Wheels • Air Conditioned Heavy Equipment and more .

Ted Kuba, Owner Route One, Box 57CR 456 El Campo, TX 77437 Home: (409) 543-7362 Mobil: (409) 541-3843 Waxahachie Equipment Co., Inc. Joe Ben Macalik 209 South Waco Highway Waxahachie, D( 75165 (972) 937-5870 Mobile: (972) 616-8662 Fax: (972) 937-9560 Home: (972) 875-5733 Zaro's Ag Service • Tractor and Construction Equipment Repairs — All Makes and Models • Equipment Sales, Rebuilding and Painting David B. Zarosky 274 Stehle Road Victoria, TX 77905 (512) 572-5627

FARMS AND RANCHES Dum's Boer Goat Ranch • Boer Percentage Show Kids • Replacement Nannies • Commercial Goats • Cabrito • Livestock Guard Dogs Robert and Dianna Dum Route Four, Box 119 Yorktown, TX 78164 (512) 564-2071 Fax: (512) 564-2072 atfgoat@viptx.net Pechal's Four P Ranch Darlene, Larry C: 770-9112 Melissa and Ronson 642-3509, C: 721-0311 Brandon 983-0053, C: 770-7931 10519 Pritchard Road Temple, TX 76501-7331 (254) 983-3881

Fred Seal Farms • Watermelons • Cantaloupes • Tomatoes Fred and Sylvia Seal R-0. Box 336, Dilley, TX 78017 (830) 965-2010 Haskovec Farms • Custom Farming • Hay • Hay Baling • Plowing • Coastal Bermuda • Planting • Cattle

Deanna Cervenka, CPA • Bookkeeping Services Motorola Financial Controls Analyst 6501 William Cannon Drive West Austin, TX 78735-8598 (512) 891-6341 Goliad Bookkeeping Service 30 Years Experience.

Small Businesses and Individuals Welcome.

• General Bookkeeping • Income Tax Preparation

Ernest and Ann Haskovec Route Five, Box 30, Ennis, TX 75119 (972) 875-2789

Weldon Horadam 347 North Church Street Goliad, TX 77963 (512) 645-2114 Fax: (512) 642-4028

Vrazel Brothers Farms General farming in grain, cotton, and cattle since 1903.

Alfred Vrazel Route Two, Box 51 A Buckholts, TX 76518 (254) 593-3021

Gordon B. Richardson, CLU Business and Estate Planning • LPL Financial Services • Member NASD/SIPC

FEED DEALERS The "Other" Ranch Feed & Supply Store • Nutrena Feeds • TAC • Fencing Supplies • Animal Health Doyle and Ruth Elaine Nethery 2410 Port Lavaca Highway Victoria, TX 77901 (512) 572-3811 Fax: (512) 572-0655 Rowena Service Station Feed and Supply Grant Teplicek 313 Edwards, Rowena, TX 76875 (915) 442-2129

FERTILIZERS Elgin Fertilizer Co. • Paymaster Seed • Liquid Feed • Custom Application • Liquid Fertilizer Roger, Tracy and Emil Mogonye Highway 95 North, P.O. Box 132 Elgin, TX 78621 (512) 281-4723 Home: (512) 285-2245 (512) 285-3972

Box 667, Caldwell, TX 77836 (409) 567-3003 Guy E. Huffman, CPA Registered Investment Advisor Agent.

Securities offered through H.D. Vest Investment Securities, Inc, Advisory services offered Through H.D. Vest Advisory Services, Inc. • Tax and Financial Services Guy E. Huffn Ian, CPA P.O. Box 216, 108 North Main Street Caldwell, 'IX 77836 (409) 567-4974 Fax: (409) 567-7553 Credit Union Management, Accounting, Internal Auditing • Employed in CU System Since 1966 Al Kercho 2444 Stonegate Drive North Bedford, TX 76021 (817) 282-5065 Knutson-Bedrich and Associates Certified Public Accountants "Over 50 Years Combined Experience."

FINANCIAL SERVICES

SPJST Annuities.

Adding Value to Your Membership.

SPJST Annuities provide a means of using principle and interest to provide income beginning the date you choose and the period you choose.

To illustrate how your money can grow in an SPJST annuity account, an initial payment of $10,000 in an Annuity II account at the current annualized rate of 6.00 percent, would be valued at $31,908.00 in 20 years.

For the benefit of parents and grandparents who are purchasing an annuity for an infant, the projected value of a $10,000 initial payment at an annualized rate of 6.00 percent interest after 65 years would be $439,200.00.

The SPJST annuity. It's something to consider — for yourself, or as a gift for someone special. For an annuity illustration that addresses your special needs, please contact your local lodge sales representative or, the SPJST Home Office.

A.G. Edwards & Sons, Inc. Investments since 1887.

• Comprehensive Individual Financial Planning • Complete Retirement Planning • Estate Planning • Investments • Members New York Stock Exchange, Inc. R.J. "Steve" Stevens, MBA Certified Financial Planner World Savings Building, Suite 120 3407 South 31st Temple, TX 76502 (254) 773-1504 Killeen: (254) 634-6139 Home: (254) 526-3459 (800) 568-6351 Bookkeeping and Income Tax Service • Individuals • Small Businesses • Quarterly Reports • Financial Statements Elizabeth Janak Route Four, Box 172 F.M. 318 at Mont Hallettsville, TX 77964 (512) 798-4898 Home: (512) 798-5464

• Accounting • Tax • Financial Planning George Bedrich, CPA 5106 South General Bruce Drive Temple, TX 76502 (254) 770-0885 Fax: (254) 742-0733 Marcell Malak Tax and Financial Services Registered Representative of H.D, Vest Investment Securities, Inc. • Tax Preparation • Investment Advice and Assistance through the offering of mutual funds Marceil Malak Registered Representative 4001 North Shepherd Drive, Suite 116 Houston, TX 77018-5510 (713) 691-6434 Fax: (713) 691-4084 7444 Meiners Road Ledbetter, TX 78946-5118 (409) 249-5940 Fax: (409) 249-5940

Certified Public Accountant • Accounting and Tax Practice R.J. Holub, Jr., MPA 4207 Harvest Hill Road Carrollton, TX 75010-4112 (972) 394-5322 Fax: (972) 394-5323

McGlothlin and Associates Certified Public Accountants

Certified Public Accountant • Auditing • Data Processing • Management Advisory Services • Individual and Business Tax Henry L.S. Jezek, CPA 15 North Main Temple, TX 76501 (254) 773-6556

FIREWOOD

Cox Global Associates, inc.

Registered investment advisers through Securities and Exchange Commission • Mutual Funds • Stocks • Government Bonds Donald P. Cox 5555 San Felipe, Suite 760 Houston, TX 77056 (713) 840-91 126 Pin Oak Rood, Suite 200 Koh!, TX 77494 5-8333

Pat Hejl McGlothlin 10527 Church Road, Dallas, TX 75238 (214) 341-1196 Fax: (214) 341-6088

Firewood Charles and Mary Londa 1023 Gum Gully Road Crosby, D( 77532 Four miles north of Crosby, One mile west on Gum Gully Road (281) 328-1156

FISHING GUIDES Ben's Fishing Guide Service Central Texas and Highland Lakes Area John Phillips Ben Carroll (512) 335-1602

Wednesday, January 19, 2000—VESTNIK/15 Don Wood's Guide Service Bay and Surf Fishing • Texas Guide Licensed • USCG Capt. Licensed Don and Trudy Wood 1421 Lawrence Rosenberg, TX 77471 Rosenberg: (281) 342-6407 Matagorda: (409) 863-7334

FLEA MARKETS Traders Ranch Flea Market • Buy • Sell • Trade Allan Sklar 1 1/2 miles south of Loop 175 on Highway 185 (Bloomington Highway) Route 5, Box 117-AA Victoria, TX 77901 (512) 578-3317 Victoria Pager: (512) 788-1511 Austin Pager: (512) 306-3025

FLOATS (PARADE) Lone Star Parade Float Company • Rental of Parade Floats, Stages and Props Clyde Wafts 1206 West Harris Road, No. 115 Arlington, TX 76017 (817) 467-7383 (KO) 235-7383 Fax: (817) 465-2996

FLOORING CONTRACTORS Forsyth Floor Company, Inc. Herman Svoboda 9319 Longpoint Houston, TX 77055 (713) 465-8637 Pavlicek's Hardwood Floor Services "Free Estimates," • Sanding • Staining • Refinishing • Repairs James M. Pavlicek Owner (713) 862-4839 (713) 358-6120 Beeper: 971-1064

FLORISTS Flowers Etc. & Gifts, Inc. Greg and Lisa Bubela Owners 109 N. Washington El Campo, TX 77437 (979) 578-8400 Toll Free: 1 (877) 578-0100 Fax: (409) 578-8402 Daisy's Flowers "Flowers for all occasions."

• City Wide Delivery • Major Credit Cards Danny Zarosky 1123 Oxford Houston, TX 77008 (713) 880-8218 Floresville Flower Shop Bob and Polly Bayer, and Roxanne Bertrand Route Four, Box 166 1100 Hospital Boulevard Floresville, TX 78114 (830) 393-2600 Home: (830) 393-7257

FOOD ITEMS Lowake Ranch Jellies Prickly Pear & Mesquite Bean Jelly • Gift Packs Available Martha Broz and Kay Halfmann P.O. Box 18 Lowake, lX 76855-0018 (915) 442-3271 (915) 442-3173

Billy Pavliska's P Nut Patch Peanut products available October through December.

• Peanut Brittle • Salted Peanuts • Hot Peanuts • Sugared Peanuts • Raw Peanuts Billy and Maxine Pavliska Route Two, Box 151 Floresville, TX 78114 (830) 393-2030

FOOD SERVICE Jake's Finer Foods, Inc. "An Egg to You, A Reputation to Us." Distributor of CODE Your Quality Food Service Distributor Quality Institutional Foods Producers, Processors and Distributors of Purina-Fed Cage Eggs from Our Own Farms.

• Fresh Eggs • Frozen Eggs • Butter-Oleo • Pork Products • Cheese • Frozen Food • Dry Groceries • Shortening and Oils • Spices • Fountain Supplies • Paper Products • Cleaning Supplies More Than 6000 Food Service Products K.E. "Jake" Jacob Chairman of the Board/CEO 939 West 18th Street Houston, D( 77008 P.O. Box 70467 Houston, TX 77270-0467 (713) 868-1301 Fax: (713) 868-4326 lori.sakowitz@jakesfinerfoods.com www.jakesfinerfoods.com

FORMAL WEAR Weddings by Debbie • Bridals • Formals • Tuxedos Business Hours: Tuesday, Wednesday and Friday: 10 a.m. - 6 p.m.

Monday and Thursday: 10 a.m. - 8 p.m, Saturday: 10 a.m. - 6 p.m.

Sunday: 1 - 5 p.m.

Alvin and Debbie tinhart, Owners 829 South Mason Road Katy, TX 77450 (281) 647-6255 307-A Sawdust Road Woodlands, TX 77380 (281) 364-8879

FUND RAISING Neal Adamcik & Associates Manufactures Representatives Provides fund raising products to groups that need to raise money for a particular product. "We shop all across the country and can design a program specifically for a group's needs."

• Candy bars • Keychains • Sausage and cheese • Boxed chocolates Neal Adamcik, President P.O. Box 720658 Houston, TX 77272 (713) 498-8107

FURNITURE B & K Furniture Company John Kubes, Jr. and Mary Ann Kubes Owners 635 Main Street (Highway 90A) P.O. Box Drawer CC East Bernard, TX' 77435 (409) 335-6011 Casey's Furniture, Inc. "Furnishing your lifestyle!"

Louis S. Casey 11 South Second Street Temple, TX 76501 (254) 773-5555 Fax: (254) 778-0117 "Udderly" Country Udderly Country is more than a country store. Choose from pictures, lamps, and wall decor to match any style.

Need furniture custom painted, we do it!

Need Beanie Babies, we sell them!

Wall paper and custom beddings, we do that, too!

And much, much more!

Stop by and see us today!

• Gifts • Wallpaper • Furniture • Custom Draperies and Bedding Mona Jurica, Owner 4402 Colleyville Boulevard Colleyville, TX 76034 Metro: (817) 577-1830

GAS-PROPANE All Service Propane "Lower propane prices."

Open seven days a week.

• Home Delivery • Bottle Filling Richard Thrasher 1328 East Cameron East Highway 79 Rockdale, TX 76567 (512) 446-7072 (800) 460-7072

GENERAL CONTRACTORS JCD Construction "For all your improvement needs."

• Remodel • Repair • Build • Residential • Commercial Jon Durham (817) 237-7363 Charlie Durham (817) 281-0666 L.E. David Construction All Types of General Contracting.

• Custom Homes • Commercial • Cement Work • Foundations • Parking Lot • Sidewalks L.E. David P.O. Box 211, Pilot Point, TX 76258 (940) 686-2052 Fax: -(940) 686-9297 Home: (940) 686-5341 Mobile: (940) 475-4920 Mogonye Hardware and Supply • Electrical • Custom Homes • Trenching • Remodeling Jim V. Mogonye, Paul Mogonye (512) 285-2955 (800) 278-9981 J.L. Vanicek Construction, Inc. Specializing in custom building.

• Commercial • Community • Industrial Eugene E. Engbrock, President Betty Engbrock, Secretary/Treasurer Eight South 12th Street Temple, TX P.O. Box 98, Temple, TX 76501 (254) 778-8881 Fax: (254) 778-8990 Home: (254) 778-8638

GIFTS The Garden Path Open Weekends.

• Herbs • Dried Florals • Unique Gifts • Gourmet Foods • Potpourri • Scented Candles • Garden Accessories • Custom Gift Baskets • Garden Design Also Available Cleo Pool Patti James 204 North Main West, TX 76691 (254) 826-4542 Goliad Gift Gallery and Collectors Emporium • Coins and Books • Gift Baskets • Arts and Crafts • Jewelry • Collectibles

Old Prague Market Hours.' Monday-Friday 10-6:30 p.m.; Thursday 10-8 p.m.; Saturday 9-5 p.m.

• Imported Czech crystal and giftware • Porcelain • Garnets • Rosaries • Jewelry • Linens • Dolls W.C. and Barbara Kolinek, Owners P.O. Box 804 104 North Railroad, Pflugerville, TX 78691 (512) 251-7330 Sticks & Stones A rock and gift shop for rockhounds and other nature enthusiasts. If you feel the need to get away to the Hill Country to see the wildflowers, to take a hike to Enchanted Rock or to relax at one of the nearby lakes, please drop by. We're right on the way.

• Minerals • Fossils • Polished Bookends • Clocks • Books • Rock Sets for Kids • Jewelry • Geodes • Unique Gifts • Items from All Over the World Jim Chudej, Geologist 413 East Main, Fredericksburg, TX 78624 (830) 997-1955 (800) 644-1955 "Udderly" Country Udderly Country is more than a country store. Choose from pictures, lamps, and wall decor to match any style.

Need furniture custom painted, we do it!

Need Beanie Babies, we sell them!

Wall paper and custom beddings, we do that, too!

And much, much more!

Stop by and see us today!

• Gifts • Wallpaper • Furniture • Custom Draperies and Bedding Mona Jurica, Owner 4402 Colleyville Boulevard Colleyville, TX 76034 Metro: (817) 577-1830

GIFT BASKETS Basically Baskets "Baskets for All Occasions" Barry and Helen Koch, Owners P.O. Box 460268 San Antonio, TX 78246 (210) 979-0970 Digital Pager: (210) 613-5127 Cookie Bouquet Say It With Cookies . .for those occasions that call for a special gift Joyce Blduau Sue Massey Annie Vahalik Owners 8607 North Navarro, Suite C Victoria,TX 77904 (361) 574-9500 Toll Free: 1 (877) 358-4712 Fax: (361) 574-9526

GLASS AND MIRRORS Schulenburg Glass Company

Everell Horadam 201 East Pearl Goliad, TX 77963 (Next door to the Dairy Queen) (512) 645-2877 Fax: (512) 642-4028 Lee's Wholesale Specialty Merchandise Wholesale gift items, including porcelain and handcarved wood products. Call for information.

O.D. Otte Route One, Box 23-C Covington, TX 76636 Office: (254) 854-2126 Office: (817) 641-2568 Home: (817) 854-2629 Linda's Specialty Gifts Gifts for all occasions! Over 3,500 worldwide items available. Wholesale, Retail Dealer inquiries encouraged.

• Gold and Sterling Silver Jewelry • Fragrance and Beauty Collections • Miniatures and collectibles • Porcelain Figures • Music Boxes and much more!

Linda and William Krpec Route One, Box 326-A (River Valley Road) Wharton, TX 77488 For a free catalog or more information, call: (409) 677-3454 (800) 574-5705

225 East Avenue Schulenburg, TX (409) 743-4378 Mike Jurica Home: (409) 743-4459 Robert Kristynik Home: (409) 263-5080 Davis Glass and Mirror 24-Hour Emergency Service.

Open Monday through Saturdays from 8 a.m. to 5 p.m, • Commercial • Residential • Mirrors • Store Fronts • Glass • Residential • Window Glass • Replacement Windows • Aluminum Screens David C. Spindor Owner 2806 Azle Avenue Fort Worth, TX 76106 (817) 626-1520 Fax: (817) 625-5006

GOATS Boer Goats Farm • Purebred Boer Goats, Bucks, and Does • 50 Percent Boer Kids Jesse Hajek Owner Seymour, TX 76380 (940) 888-2764

16/VESTNIK—Wednesday, January 19, 2000 Dum's Boer Goat Ranch • Boer Percentage Show Kids • Replacement Nannies • Commercial Goats • Cabrito • Livestock Guard Dogs Robert and Dianna Dum Route Four, Box 119 Yorktown, TX 78164 (512) 564-2071 Fax: (512) 564-2072 atfgoat@viptx.net

GRAIN DEALERS Glenn Marek Grain Bin Company Sales and construction of grain bins and bulk grain tanks (cone bottom) and sales of grain augers.

• Grain Storage • Products • Construction • Dependable Service Glenn Marek 16321 State Highway 53 Temple, D( 76501 (254) 985-2242

GROCERS Harlan's Food Markets "We will donate one percent of all Harlan's Food Market cash register receipts to your choice of church of charity."

• Lotto • Video • Bakery and Deli (where available) • Money Orders 49 cents • Checks Cashed • Store Hours: 7 a.m. to 10 p.m. Daily Five Locations: • Fairfield Cypress • Magnolia • Hempstead • Navasota • Waller Harlan Jochen, Owner Navasota, D( Red Ranger Grocery • Gas and Oil • Auto Supplies • Cafe Louise and Jerry Zavodny, Owners 16661 FM 940 Rogers, TX 76569 (254) 985-2556

GUN SHOPS Warren Dee Hillman Gun Shop Open weekdays from 6:30 p.m. to 9 p.m., Saturdays from 9 a.m. to 5 p.m., and Sunday afternoons. If you are from out of town, please call.

• Buy • Sell • Trade • Repair • New and Used Guns • Ammo • Scopes Warren Dee Hillman Route One, Box 255 North Columbus Avenue Cameron, Texas 76520 (254) 697-6840

HAIR SALONS Great Clips Austin 5521 Balcones Drive (512) 451-5598 San Antonio 3185 Nacogdoches (210) 946-7760 and 12710IH 10West (210) 558-7727 Don Rohde, Partner

HALLS Baran's Hall "Hall for Rent" • Weddings • Parties • Showers • Reunions • Meetings • Other Alvin and Dolores Baranowski 3415 Alba, Houston, TX 77018 (713) 861-4255

HARDWARE E.R. Kovar Hardware • Hardware • Pipe Fittings Edwin R. Kovar Spur 2155, P.O. Box 21 Snook, TX 77878-0021 Mogonye Hardware and Supply • Builder • Trenching • Electric • Contractor Jim V. and Paul Mogonye 516 Highway 95 North Elgin, TX 78621 (512) 285-2955

HAY BALING Larry Siska Custom Hay Baling • Hay Sales • Pecan Harvesting Larry Siska 136 Mlcak Road Sealy, TX 77474 (409) 885-7094

HORSES Registered (AMHA/AMHR) Miniature Horses Registered with AMHA and AMHR. Ranch is located three miles outside Bertram in Burnet County.

• Paints • Appaloosas • Regular Colors

HEALTHCARE PlanPlus JCPenney Healthcare Discount Program Wholly-owned by JCPenney Save an average of more than 20% on prescriptions at Eckerd • Wal-Mart • Walgreen Randall's • Tom Thumb • Albertson's K-Mart • Kroger • Winn Dixie Other discount benefits include optometry, podiatry, leisure and others.

For more information, see pages 634 of your JCPenney Year 2000 Spring catalog. ',Donald Vrla Zoll Free 14890)=527-54453 dvrIa1@jcpenney.com www.planplus-discounts.com

HOME HEALTH SERVICE Crossroads Home Health "Home is Where the Heart Is!" • Skilled Nursing • Home Health Aides • Therapies • Medical Social Services • Psychiatric Home Care • Home IV Therapy • Pain Management • Wound Care/Dressings • Health Teachings • Case Management • Maternal Child Health • Catheter Care • Nutritional Counseling • Pediatric Care • Care of Terminally III • Homemaker Services • Medical Supplies and Equipment Referrals Dr. Marvin Spicak 1501 East Mockingbird, Suite 403 Victoria, TX (512) 578-2436 (800) 444-3754

HOME IMPROVEMENT Kopecky Home Improvement "Modernize your home."

• Vinyl Siding • Soffit & Fascia • Storm Windows • Insulated Windows • Kitchens • Room Remodels • Conversions Richard and Jeri Kopecky 9419 Mercer Drive Dallas, TX 75228 (214) 320-8584

HOME REPAIR AND MAINTENANCE House Menders, Etc. Specializing in minor mending.

"No job too small!"

• Most indoor/outdoor household repairs/installations • Grounds maintenance • Lawn sprinkler system repair • Gutter repair/clean-out • Fence repair • Lock change-out • Other "pesky problem" services available — just ask!

• 19-year Lewisville resident • More than 30 years experience in maintenance and construction • Free Estimates Milton R. Gurecky 701 Laramie Drive Lewisville, TX 75067 (972) 219-0235

HORSE TRAINING Fenack Quarter and Thoroughbred Training and Horse Motel Tony Fenack, Sr. Winter: Route Five, Box 274 Seguin, TX 78156 (830) 379-1566 Summer: P.O. Box 3563 HS Ruidoso, NM 88345

Ann Mason 1037 County Road 323 Liberty Hill, TX 78642 (512) 355-2659

ICE VIC Ice Co. "Quality and Service—We stick to it!"

Victor Hagan, Owner Joe Hagan, Manager 604 West Gonzales Street Yoakum, TX 77995 (512) 293-5049 (800) 4013765

IMPORTERS Klecka's Importers • Imported Czechoslovakian Crystal • Czech gemstone garnet jewelry • Chandeliers • Handmade Linens • Ceramics • Dolls • Maps • Christmas Ornaments • Etc. Rudy and Henrietta Klecka 118 Leveridge Street, East Bernard P.O. Box 28-0028 East Bernard, TX 77435-M28 (409) 335-4456 Home: (409) 335-4471 Fax: (409) 335-4390

INDUSTRIAL AND MARINE EQUIPMENT AND SUPPLIES lndmar Service and Supply Corporation Industrial and Marine Service Company Serving the greater Houston and Gulf Coast Areas since 1956 • Sales • Service • New and Used Parts • Natural gas engine, compressor and salt water disposal pump specialists Rudolph Rusnak, P.E. 4521 Main Street Pearland, TX 77581 Office (281) 996-1200 Office (800) 723-4579 Fax (281) 996-8776

INSURANCE (CROP) USAG insurance Services, Inc. "For all your crop insurance needs."

James Bacak P.O. Box 1426, El Campo, TX 77437 (409) 543-9362

INSURANCE (LONG-TERM CARE) Machu Insurance • Nursing Home Coverage • Assisted Living Facility • Home Health Care • Tax-Qualified Long-Term Care Protect your assetts and independence.

For more information and a quote that includes a premium discount for SPJST members, lease contact us.

Albin and Elaine Machu 2204 Smith Avenue, Taylor, TX 76574 Austin Area: (512) 365-5489 Taylor Area: (512) 352- 5489 Fax: (512) 365-9653 Digital Pager: 719-0580

INSURANCE (PROPERTY) Charles F. Harcit Insurance Agency Representing Farmers Insurance Group of Companies.

"America Can Depend on Farmers."

Charles F. Hardt, Agent 11420 East Northwest Highway, Suite 108 Dallas, TX 75218 (214) 320-1155 Fax: (214) 320-0833

Strey Insurance Agency • Homes • Motor/Mobile Homes • Autos • Motorcycles • Personal • Farmers Liability • Life Offering : Hochheim Prairie • Dairyland Foremost • SPJST Melvin Strey 12226 Highway 87 P.O.Box 250 La Vemia, TX 78121 (830) 779-2238 1 (800) 246-9095 Fax: (830) 779-1715 mstrey@gvec.net Farmers Insurance Group of Companies • Auto • Home • Commercial Vic Harbers, Insurance Agent 3011 Pasadena Boulevard Deer Park, TX 77536 (281) 930-1234 (800) 216-8007 Home: (281) 473-3928 Farmers Mutual Protective Association of Texas (RVOS) Incorporated 1901.

• Fire • Theft Insurance • Vandalism • Farm and City • Extended Coverage Protection Werner Ahrens, Sales Representative Route 3, Box 117, Karnes City, TX 78118 • (830) 780-3709 Bob Bayer; Sales Representative Route Two, Box 154A, Floresville, TX 78207 (830) 393-7257 Stanley R. Broz, Sales Representative P.O. Box 33, Lowake, TX 76855 (915) 442-3271 .

Bill Cooper, Sales Representative/Adjuster 415 W. Franklin, Waxahachie, TX 75165 (972) 938-9831 Carolyn F. Filipp, Sales Representative 2515 Lazybrook Drive, Houston, IX 77008 (713) 869-9304 Laddie Gajdica, Sales Representative 1124 Edgefield, Plano, TX 75075 (972) 423-4071 Johnnie J. Gaidusek and Polly Gaidusek Sales Representatives 5218 Loch Lomond Drive, Waco, TX 76710 (254) 772-1871 Johnnie J. Gaidusek, Jr. Sales Representative Route 2, Box 119Q, Valley Mills, TX 76689 (254) 932-6184 Rose Lee (Vajdak) Hickey 2323 Green Hill, Houston, TX 77032 Jerome L. Hlavaty, Sales Representative P.O. Box 174, Lolita, TX 77971 (512) 874-4461 Mildred Holeman, Sales Representative 5525 Airline Drive, Houston, TX 77076 (713) 691-6434 (713) 699-8506 Fax: (713) 691-4084 Leonard Jansa, Sales Representative 6617 Plainview Drive, San Angelo, TX 76905 (915) 651-8045 Leo Jares, Sales Representative Muldoon, TX 78949 Phone/Fax: (409) 561-8393 Leroy Kaspar, Sales Representative Route Three, El Campo, TX 77437 (409) 543-2532 Johnnie I. Krajca and Margaret Krajca Sales Representatives Route Three, Box 210, Ennis, TX 75119 (972) 878-6149 Mary Matula, Sales Representative Route Two, Box 333, Hallettsville, TX 77964 (512) 798-3792 Evelyn Mikeska, Sales Representative 10126 Moorberry Lane, Houston, TX 77080 (713) 468-3126 009) 249-5299 Charlie Munday, Sales Representative 207 North Main, Bryan, TX (409) 846-2864 Business: (409) 775-7070 Fax: (409) 775-7071 Henry Olejnik, Sales Representative 601 East Main, Troy 1X 76579 (254) 938-2366

Wednesday, January 19, 2000—VESTNIK/17 EMIR MIME OWN =Ile ME MIif NNW MEE EWE MEM NENE r

Slavonic Mutual Fire Insurance Association • Fire and Extended Coverage • Homes • Commercial Barns

LEO ARK, IRA

• Household Furnishings • Outbuildings

Prompt and Courteous Service Phone/FAX: (409) 561-8393 • Muldoon, Texas 78949

• Builder's Risk Joe J. Marusik and Joan Marusik

Representatives

RVOS

1407 Quail Hollow Sealy, TX 77474 (•) 885-2726

Fire, Lightning, Windstorm and Extended Coverage; Farmers Star Policy, Centennial Home and Ranch Policy

Texas RVOS Liabiiity: CPL, FCPL and Umbrella RVOS General Agency, Inc. Auto insurance SPJST A Full Line of Permanent and Term Life Insurance runs ,Annuities and IRAs mom Imo

■MI NMI

Janie Rejcek, Sales Representative/Adjuster 2210 Skylark Arlington, TX 76010 (817) 261-9560 Wiley R. Shockley 1923 Pecos San Angelo, TX 76901 (915) 653-7280

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INTER/OR DECORATORS AND DESIGNEES

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RVOS General Agency, Inc. • Auto Insurance TEXAS RVOS CPL, FCPL and Umbrella Leo Jares, Sales Representative Muldoon, TX 78949 Phone/Fax: (409) 561-8393 RVOS General Agency, Inc. • Auto Insurance

Rosemary Spence, Secretary, Lodge 109 P.O. Box 7694 Waco, TX 76714-7694 (254) 754-7533

Bill Cooper, Sales Representative 415 W. Franklin, Waxahachie, TX 75165 (972) 938-9831

John Troy, Sales Representative 114 East Upshaw Ave., Temple, TX 76501 (254) 778-4709

Johnnie J. Gaidusek, Jr. Sales Representative Route 2, Box 119Q, Valley Mills, D< 76689 (254) 932-6184

Matt Vanek, Sales Representative 1009 Northgate, Victoria, D< 77904 (512) 578-2687

Leonard Jansa, Sales Representative 6617 Plainview Drive, San Angelo, TX 76905 (915) 651-8045

Suzy Wiest, Sales Representative P.O. Box 322, Edna, DC 77957 (512) 782-5597

Leo Jares, Sales Representative Muldoon, TX 78949 Phone/Fax: (409) 561-8393

Farmers Mutual Protective Association of Texas (RVOS) "Owner and Tenant Insurance for your property —farm and city, Licensed to sell: • Texas RVOS Insurance • Homeowners • Farm and Ranch Owners • Commercial • Liability • Other Coverages Alvin H. Jirasek Sales Representative (254) 778-8891

Alvin Lee Jirasek Sales Representative (254) 773-7233 Leroy Kaspar, Sales Representative Route Three, El Campo, TX 77437 (409) 543-2532 Joe W. Liles, Sales Representative P.O. Box 366 Holland, TX 76534-0366 (254) 657-2488

Farmers Mutual Protective Association of Texas (RVOS) • Homes—City and Rural • Commercial Property • Liability • Other Coverages

Elaine Machu 2204 Smith Avenue, Taylor, TX 76574 Austin Area: (512) 365-5489 Taylor Area: (512) 352- 5489 Fax: (512) 365-9653 Digital Pager: 719-0580

Alvin Lee Jirasek Sales Representative (254) 773-7233 Joe W. Liles Insurance Representing SPJST, Texas RVOS, and Farmers Mutual RVOS • Home • Life • Commercial Joe W. files P.O. Box 366 Holland, TX 76534-0366 (254) 657-2488

Charlie Munday, Sales Representative 207 North Main, Bryan, TX (409) 846-2864 Business: (409) 775-7070 Fax: (409) 775-7071 Ramey Insurance Agency Representative/Agent for Hochheim Prairie Farm Mutual • Home • Farm • Auto Unda Ramey 817C North Bryant Street Pleasanton, TX 78064 (830) 569-4200 Home: (830) 393-3320

Machu Insurance Representing SPJST, Farmer's Mutual Protective Association of Texas (RVOS), and Texas RVOS Insurance for home owners, farm and ranch owners, and liability.

• Life • Annuities • IRAs • Health • Home, Farm and City • Mobile and Mfg. Homes • Commercial • Medicare Supplement • Long-Term Care Specialist • Home Health Care • Renter's Insurance

I

Frank S. Kofnovec Route Two, Box 59, Abbott, TX 76621 (254) 826-3520

11.1"1 111.111 "MIMI M M 111."

PROPERTY • AUTO • LIFE FARMERS MUTUAL PROTECTIVE ASSOCIATION-RVOS Linda Wilson, Wayne Wilson Sales Representatives 7026 E. OSR • Bryan, TX 77808 (409) M589-2136

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Jeanette Andel 1018 South 31st Street Temple, TX 76504 (254) 778-6868 Cindy Marek-Kovar Specializing in residential design services, consultations, space planning, remodeling and new construction.

• Custom window and wall treatments • Bed coverings • Furniture • Accessories College Station, TX (409) 694-2110 Curtain Cottage of Sweet Home, Texas • Custom Window Treatments • Upholstery • Blinds • Bed Coverings Lela Bennetsen P.O. Box 34, Sweet Home, TX 77987 (512) 293-7734 (512) 293-5132 Home Interiors and Gifts "Want to host a Home Interior Party?

Give me a call and find out more!"

Helen Haider Independent Contractor 509 Filly Lane Temple, TX 76504 (254) 773-9646

Aluminum Metal Products, Inc. Barbs Irrigation Equipment "Quality Manufacturer" Jim Bartos, President Bedrick Batas, Vice-President Edith Bartos, Secretary Edie Barbs, Bookkeeper Route Ten, Box Seven, Lubbock TX 79404 (806) 745-6026 Fax: (806) 745-6171

JEWELRY Creative Design Jewelry • Jewelry Repair • Diamond Setting • Casting • Gold & Silver • Jewelry Design Keith Stasny Sealy , TX (409) 885-6570 Jewelry of Distinction • Fine Jewelry • Fashion Jewelry • Precious Gems • Gold • Silver • Custom Design Judy Mentz Houston, TX (281) 277-3635 Kotara Watch and Jewelry • Watches sold and repaired • Jewelry and gift items Marcellus and Rosalie Kotara 113 East Calvert Karnes City, TX 78118 (830) 780-3323 Running Wolf Dreams • Semi-precious stones • American Indian Information • Jewelry • Incense Laura Mandak 1821 Wonderlight Dallas, TX 75228 (214) 328-1596

Buying a Home or Building a Easiness?

Let's Talk.

The SPJST makes home and farm loans.

You may already know that.

What may come as news is that we also make commercial loans to qualified members.

Betty Jurica, Representative Route Two, Box 899 Corpus Christi, TX 78406 (512) 265-9018

LINDA and WAYNE WILSON INSURANCE

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• Draperies • Blinds • Pleats • Shades, Etc.

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Slavonic Mutual Fire Insurance Association • Fire and Extended Coverage • Home • Business • Industry • Rural • City

Albin and Elaine Machu 2204 Smith Avenue, Taylor, TX 76574 Austin Area: (512) 365-5489 Taylor Area: (512) 352- 5489 Fax: (512) 365-9653 Digital Pager: 719-0580

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Andel Interiors Custom Decorating for Home or Office Since 1983

SPS Designs, Inc. • Window Coverings • Furniture Bryan Kruse, licensed Designer 15667 San Pedro, San Antonio, TX 78232 (210) 490-1919 Fax: (210) 490-8132

SPJST Linda Wilson Sales Representative 7026 E. OSR • Bryan, TX 77808 (409) 589-2136j

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To get an accurate representation of what you could expect to save when making a new loan or refinancing through the SPJST, please contact the SPJST Mortgage Lending Department and ask to speak with Ann Paruzinski. She'll be able to draft an illustration that will enable you to see how an SPJST mortgage loan can work for you.

In order to be considered for a mortgage loan with the SPJST, you or your spouse must be a member of the society. Likewise, each immediate family is subject to a maximum financing limitation of $200,000.

For current interest rates and complete information on terms and conditions of SPJST's underwriting guidelines and details on how to apply for an SPJST mortgage loan, please call the Home Office at (254) 773-1575 and ask to speak with Ann Paruzinski in the Mortgage Lending Department.

18/VESTNIK—Wednesday, January 19, 2000 Selections by Edwina • 14 Karat Gold • Diamonds • Sterling Silver Edwina Jezisek 724 Fox Granger, D: 76530 (512) 859-2677 That Special Touch • Sterling Silver • Fashion Jewelry • Handmade Indian Turquoise Jewelry Marilyn Fehlis 411 Victoria Mall Victoria, TX 77904 (512) 575-0698

LANDSCAPE CONTRACTORS

LAWN MAINTENANCE Lawn Care Service Established 1987 • Mowing • Edging • Fertilize • Trimming • Tractor/Brush Hog Mowing Reasonable rates Free Estimates Charlie Durham (817) 281-0666 Pager: (817) 588-3248 Excel! Lawn Care and Tractor Mowing Service • Residential and Commercial • Lawn Care • Tree Planting

Schindler & Son Landscapers • Residential • Commercial • Free Estimates Darrell Schindler 1831 Hewitt Drive, Houston, TX 77018 (713) 688-2983

Ward Street Laundromat Nick and Darlene Komar, Owners 1115 Ward Street, Marlin, TX 76661 (254) 883-3933

LAUNDRY AND DRY CLEANERS Comet Cleaners and Laundry Aubrey C. Pitts, Owner 2110 North Main Street Belton, TX 76513 (254) 939-6937

KITCHENS AND BATHS Custom Kitchens & Baths Showroom and Design Center • Cabinets • Counter Tops • Remodeling

Dr. Beryl Cline, Owner Rt. 3 , Box 660 (281) 331-5042 brlmrg@aoi.com Cox Excalibur Cattle Company Registered Red Brangus bulls and heifers for sale.

Donald P. Cox Ranch—Weimar, TX (409) 263-5803 (281) 391-0121 Mihatsch Beefmasters E I • Registered Bulls and Heifers

• Mesa Dominos • Victor Dominos • Banners Mrs. Joseph J. Skrivanek, Jr. Tommy Skrivanek Joey Skrivanek Route Three, Box 60-A Caldwell, TX 77836 Tommy: (409) 272-3782 Joey (Office): (409) 567-3131 Joey (Home): (409) 567-3857

LIVESTOCK

Evelyn Mikeska 10126 Moorberry Lane Houston, TX 77080 (713) 468-3126 (409) 249-5222

LIVESTOCK FEED MoorMan's • Beef • Swine • Horses • Show Feeds Wayne Wilson Sales Representative 7026 E. O.S.R. Bryan, TX 77808 (409) 589-2136

"McS" Polled Herefords Sirinat Rose, Owner 1900 South IH-35 Belton, TX 76513 Office (254) 939-0212 Fax (254) 939-020

Joe F. and Melva L Sebesta, Jr. 124 Live Oak Drive Pleasanton, D: 78064 (830) 569-4803

Universal Life.

Tailored to Your Needs.

MACHINE SHOPS ALP Machine and Tool Co. Mill and Lathe S.J. Prachyl 2134 Irving Boulevard, Dallas, TX 75207 (214) 748-4191

Edmund R. Prasek 208 South Panna Maria Karnes City, TX 78118 Taylor Iron-Machine Works, Inc. • Machining • Welding • Fabricating • Custom MFG • Repairs Arnold C. Cuba, Jr. 208 Bland Street Taylor, TX P.O. Box 188 Taylor, TX 76574 (512) 352-3646 Fax: (512) 352-9892 Austin Metro: (512) 365-3648 Home: (512) 365-5191

It's all of these things — and more. Here are some of the features of SPJST's Universal Life contract, which we call our "SPJST Flexible Protector Plan": select Death Benefit Option A or B (as described below). You can also select the amount of premium you want to pay and make the initial payment.

Step 2: As each premium is received by SPJST, a small expense charge is deducted and the balance goes into your cash value account.

Step 3: At the beginning of each month, a charge for the life insurance protection is deducted from the cash value to pay the monthly life insurance protection costs.

Option A: Level Death Benefit. The death benefit is made up of life insurance and the cash value. Initially, this benefit is equal to the face amount. However, current tax law states that there must always be a certain minimum proportion of life insurance in the certificate.

Therefore, as the cash value

MAGAZINES

approaches the face amount, the death benefit increases automatically.

Option B : Increasing Death Benefit. The death benefit is equal to the face amount of life insurance protection plus the money in the cash value account.

For more information on the SPJST Universal Life certificate or other financial products, please contact your local lodge sales representative.

MANICURISTS Lovers Lane Manicurists "Since 1938" Norbert (Red) Mikulec, Owner 4331 Lovers Lane at Douglas Dallas, TX 75225 (214) 520-2190

MARBLE AND TILE Custom Marble and Tile Residential and Commercial Jon Durham (817) 581-9620

MARINAS Palm Harbor Marina • RV Park • Restaurant • Kitchenettes • Fishing Guide Service • Boat Slips/Launch • Bait and Tackle David and Carolyn Baca 151 Port Avenue Rockport, TX 78382 (512) 729-8540

MASSAGE THERAPISTS Award Massage and Sports Therapy • Home and Office Calls • By Appointment Only • Table and Chair Massage • Swedish/Sports/Relaxation • $45 per hour for non-members • $35 per hour for SPJST members • First-Time Clients: one hour for $25 Johnny Ray Ward, E.M.T. Registered Massage Therapist 1808 G Brothers Boulevard College Station, TX 77845 (409) 694-8330 Azle Therapy • Therapeutic Massage • Reflexology • Acutherapy • Meridian Therapy Lu Woolsey Registered Massage Therapist 1708 Florence Drive Azle, TX 76020 Appointment Only (817) 237-6312

MEAT MARKETS Rick's Meat Service A full line of meat and smoked sausage products.

• Slovacek Sausage • Nemecek Products Rick Pliscott and Unda Pliscott West, TX 76691 (254) 826-3756

Meat Goat News Since 1994.

FREE SAMPLE ISSUE TO SPJST MEMBERS 12 Issues - $22 Per Year

Rudolph's Market and Sausage Factory Since 1895.

Scott Campbell, Publisher Deanna Campbell Business Manager P.O. Box 2678 San Angelo, TX 76902 (915) 655-4434 Fax: (915) 658-8250

Step 4: Interest at current rates is credited to the fund each month.

Coverage is Flexible. You have a choice of two death benefits, Option A or Option B:

Scott Campbell, Publisher Deanna Campbell, Business Manager P.O. Box 2678 San Angelo, TX 76902 (915) 655-4434 Fax: (915) 658-8250

Prasek Machine Shop • Machine Work • Welding • Blackshop

Universal Life has been called many things: • The Plan of the Future • A Computer-Age Plan • A New Concept in Life Insurance • A Plan Custom-Designed for Each Insured

Step 1: You elect an amount of insurance and

FREE SAMPLE ISSUE TO SPJST MEMBERS 12 Issues - $24 Per Year

Skrivanek Polled Hereford Ranch "Raising Cattle in Texas Since 7855."

White's Home and Auto Store of El Campo, Inc. DBA White's Western Auto Associate Store J.F. Baros 117 South Mechanic P.O. Box 1017 El Campo, TX 77437 Office: (409) 543-3911 Home: (409) 543-7520

Beef Cattle Ranch "Meat for the freezer or raise your own."

Ranch and Rural Living Magazine Since 1920. Official Publication of the Texas Sheep and Goat Raisers Association and the Riverside and Landowners Coalition.

Edward and Lucy Mihatsch 14714 FM 2904-130 Temple, TX 76501 (254) 985-2579

Kevin Roznos, Owner P.O. Box 301223 Arlington, TX 76007 (817) 472-7981

LAWN MOWERS LAUNDROMATS

Show Lambs and Slaughter Lambs

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• Fresh Meats and Sausage Justine Yeager 2924 Elm Street Dallas, TX 75226 (214) 741-1874 MOINN

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WAYNE WILSON bales Representative

BEEF • SWINE HORSES SHOW FEEDS 7026 East O.S.R. .

3ryan. TX 77808 —eleo ,-one (409 589-2136

Wednesday, January 19, 2000—VESTNIK/19 Straight Meat Co. Taste of Texas Restaurant Quality Beef, Goat Meat Beef

•

MOVERS

METAL FINISHING

Jerky: Goat • Chicken G.A. "Buddy" Smith 1902 No. Hwy. 95 Little River, TX 76554 (254) 982-4222 1 (800) 753-4212 Fax: (254) 982-4238

MEDICAL SERVICES Brenham Eye Clinic • Comprehensive Eye Exams • Treatment of Eye Disease • Cataract and Glaucoma Evaluations • Eyeglasses • Contact Lenses R.B. Barganier, O.D. 2007 South Day Brenham, TX 77833 (409) 836-2313 Fax: (409) 836-2313 Clinical Psychologist Psychological Consultant to Medicine, Law, Business, and Education • Marriage and Family Counseling • Mediator • Sexologist Glenn F. Sternes, Ph.D,FAACS 3003 Wesleyan Road Suite 322 Houston, TX 77027 (713) 622-7806 LaVaca Medical Center James E. Vanek Administrator 1403 North Texana Hallettsville, TX 77964 (512) 798-3671 Memorial Hospital Jana Cervenka Medical Records Assistant Director Memorial City 920 Frostwood Houston, TX 77024 (713) 932-3400

Accra Metal Finishing Company

• Anodizing • Clear, Black • Colors • Hard Anodizing • Alodine • Irridite

Graebel/Houston Movers, Inc. "Helping people move ahead . worldwide!"

• Local • Nationwide • International • Household Goods and Office Effects

Johnny Smotek, Owner 10121 Sussex Lane Houston, TX 77041 (713) 462-1576

A. Robert Kral Vice President/General Manager 10901 Tanner Road Houston, TX 77041-7105 (713) 937-1115 (803) 937-7797 Fax: (713) 937-1256

MILLWORK ALP Machine & Tool Co.

MOWERS

Mill and Lathe S.J. Prachyl 2134 Irving Boulevard Dallas, TX 75207 (214) 748-4191

Ron's Custom Shredding • Lots • Small Acreage • Free Estimates Ronnie Yackel, Owner 1502 Pinchot Street El Campo, TX 77437 Home: (409) 543-9237 (409) 541-3025

MIRRORS Davis Glass and Mirror 24-Hour Emergency Service.

Open Monday through Saturday from 8 a.m. to 5 p.m, • Commercial • Residential • Store Fronts • Glass • Window Glass • Replacement Windows • Aluminum Screens

MUSIC DEALERS Polka and Waltz Music Recordings • Cassettes • CDs • Videos Helen Pavelka Route 4, Box 118 Robstown, TX 78380 (512) 387-1384

David C. Spindor, Owner 2806 Azle Avenue Fort Worth, TX 76106 (817) 626-1520 Fax: (817) 625-5036

MUSIC INSTRUCTION Music Instruction

MOTELS

• Piano • Clarinet • Saxophone • Private Instruction

Kuntry Inn Motel Kuntry Komer Steak & Eggs • Convenience Store • Cafe • 14-Room Motel • Truck Stop Georgia Marek IH-37 South, P.O. Box 568 Pleasanton, TX 78064 (830) 569-2026

Carolyn F. Filipp 2515 Lazybrook Drive Houston, TX 77008 (713) 869-9304 Music Lessons • Piano • Guitar • Organ • Clarinet

The Raymond Motor Inn "On the Carlsbad Caverns Route."

Diane Naivar Route One, Box 124C Taylor, TX 76574 (512) 352-7770

Roth Chiropractic Center "Call for appointment," Dr. C.L. Roth 203 South Commercial Aransas Pass, TX 78336 (512) 758-5232 (512) 776-7652 Smith Eye Center • Comprehensive Eye Care and Examinations • Treatment of Eye Diseases/Injuries Constance Hrncir Smith, MD Eye Physician and Surgeon 526 Chickasawba Blytheville, AK 72315 (501) 762-1942

MEDICAL AND SURGICAL SUPPLIES Surgi-Med International Lane Redburn 10824B Gulfdale San Antonio, TX 78216 (210) 308-7001 Fax: (210) 308-7037

METAL FABRICATORS L Gomez Sheet Metal, Inc. • General-Industrial • Custom Specialty Work P.O. Box 517 5130 Highway 53 East Temple, TX 76503-0517 Office: (254) 773-7561 Fax: (254) 778-3055 1 (800) 722-7561 Multi-Fab Metals Sheet Metal Fabrication and Welding.

Bobby Roye 401 Ellwood El Campo, TX P.O. Box 1498 El Campo, TX 77437 (409) 543-2670

Joseph F. Svacek, Jr., Owner 301 West Avenue A Seminole, TX 79360 (915) 758-3653 For reservations: (800) 782-3653

OFFICE SUPPLIES Sablatura's Office Centre and Furniture Established 1973.

• Limited Edition Collectible Pens by Mont Blanc, Cross, Waterman, and Parker • Leather Accessories and Gifts • New Self-Serve Custom Copy Center • Colored Paper • Colored Copier • Laminating Poster Size to Pocket Size • Haworth and National Wood Furniture • Canon Calculators and Typewriters • Brother Fax Machine Ed and Ullian Sablatura 925 West Plantation Drive Clute, TX (409) 265-8006 (800) 439-0463 Fax: (409) 265-3800 Say-On Discount Office Supplies "Discount prices everyday."

Paul M. Kercho Store Manager 1151-B.S. Prairie Avenue Pueblo, Colorado 81005 (719) 561-1184 Fax: (719) 561-1277

OPTICAL GOODS (RETAIL) Optical Design Professional Optical Dispensing.

Fashion Eye wear for the Entire Family.

• Complete Finishing Lab • Large Selection of Frames • Repairs • Invisible Bifocals • Replacement Contact Lenses Michael Maki, F.N.A.O. 601 Mallard, Taylor, TX (512) 352-3016 511 Oakwood Boulevard Oakwood Medical Center (512) 388-1333

PAINTING CONTRACTORS Maury's Custom Painting and Home Repairs Maury Barnes 5334 Kansas Street Houston, TX 77007 (713) 863-8577

MUSICAL INSTRUMENTS Klechka Piano & Organ Company

MOTORCYCLES Ed's Cycle Shop Parts and repair for Harley Davidson motorcycles only,

Established in 7973.

• • • •

Musical instruments—Retail Musical instruments—Used Sheet music suppliers—Retail Music instruction materials

Edwin R. Kadera Owner/Operator 1036 Vine Drive Angleton, TX 77515 (409) 849-8075 K.S. Cycle Works • All makes and models • High performance modifications • Engine blueprinting • Watercraft and ATV service • Sales • Service • Parts • Accessories Kevin Stasny 5903 Highway Boulevard Katy, TX 77494 (281) 391-4131 Mitek Cycles • Motorcycles • ATVs • Mopeds • Service • Parts • Repair (All makes and models) • Accessories Michael Mikulec Five miles west of Cameron on FM 2269, Cameron, TX (254) 697-2705

MOTOR SERVICE/SUPPLIES Janak Electric Motor Service & Supply Agriculture • Commercial • Oilfield •Residential William "Bill" Janak, President Roger Janak, Technician 109 Alexander St. Yoakum, TX 77995 (361) 293-7712

Jim J. Klechka, Owner 405 South Texas Avenue Bryan, TX 77803 (409) 823-7434 Fax: (409) 775-0906

PARTY PLANNING Creative Celebrations • Weddings • Anniversaries • Theme Parties • Special Events • Football Mums • Floral Arrangements • Rentals Melanie Zavodny P.O. Box 4411 Temple, TX 76505 (254) 760-2575

NEWSPAPERS (CZECH) PAWNBROKERS

Hospodar Nose druhe stolen!

Our second century, Jan and Marcela Vaculik Publisher, Editor, Translator P.O. Box 301 West, TX 76691 (254) 826-3838

NOTARY PUBLIC • Paperwork Done Day or Night • Bonded • Licensed Carol Horelka Jourdanton, TX 78026 (830) 769-3765

NUTS-EDIBLE (RETAIL) Billy Pavliska's P Nut Patch Peanut products available October through December.

• Peanut Brittle • Salted Peanuts • Hot Peanuts • Sugared Peanuts • Raw Peanuts Billy and Maxine Pavliska Route Two, Box 151 Floresville, TX 78114 (830) 393-2030

Doc Holliday's Pawnbrokers and Jewelers Greg Cervenka, J.D., CPA 5716 Highway 290 West Suite 200 Austin, TX 78735 (512) 892-6000

PEST CONTROL SERVICES Hoelscher Pest Control "Temple Area Family Since 7909."

• Pests • Termites • Weeds • Residential • Commercial • BS Texas A&M Bobby Hoelscher P.O. Box 1653 Temple, TX 76503 (254) 771-2091 Roz-Tech Pest Management Steve Roznos Owner/Certified Applicator 1401 Grovecrest Drive Arlington, TX 76018 (817) -9035 (817) 582-9416 Beeper: (817) 630-3547

20/VESTNIK—Wednesday, January 19, 2000 R&D Enterprises/AGR1-SAFE, INC. Insect Control

• Fire Ants • Army Ants • Roaches • Fleas, licks and Flies • Garden pests such as slugs, snails, beetles and cutworms.

50 Pounds for $25 • Will not harm earthworms!

Jodie Vasek Printing Services "33 Years of Professional Experience."

• Complete Printing Services • Price Lists • Envelopes • Letterheads • Continuous Forms • Brochures (four-color) • Presentation Folders Jodie Vasek, Owner 3813 Grand Teton Court Irving, TX 75062 (972) 659-9646 PagerNoice Mail: 949-0502

Distributor of Freshwater Diatomaceous Earth Robert and Dianna Dum Route Four, Box 119 Yorktown, TX 78164 (512) 564-2071 Fax: (512) 564-2072 atfgoat@viptx.net

Mike Morel( President 115 North Houston Cameron, D< P.O. Box 794 Cameron, TX 76520 (254) 697-6437 Fax: (254) 697-6439

Jack Folsom 306 East Adams P.O. Box 769 Temple, TX 76503 (254) 778-1313 Fax: (254) 773-1911

Korczynski's Photo Lab and Studio 3501 N. Navarro Victoria, TX 77901 (512) 575-2701 (512) 576-6451

PICK-UP ACCESSORIES

• Communicate • Zippo • Doss-Tex Caps • Western Art Calendars • Business Gifts • Fine Writing Instruments H.G. "Butch" Doss P.O. Box 154171 Waco, D< 76715 (254) 799-4152 (800) 820-6448 Fax: (254) 799-1608

"We install or dolt yourself" Quality accessories for:

• Pickups • Suburbans • Vans • Broncos • Blazers • Jeeps

PLANTS C - P Water Lillies and Bog Plants Available April through October.

Clarine Penak Route One, Box 40 Pleasanton, TX 78064 (830) 569-4254

PLUMBING Edwin C. Trojacek Plumbing & Heating Edwin C. Trojacek, Owner 907 South Paris Ennis, TX 75119 (972) 875-7450 Ronnie Yackel • Contract Pumper • Consulting Services Ronnie Yackel, Owner 1502 Pinchot Street El Campo, TX 77437 Home: (409) 543-9237 (409) 541-3025

PRINTING Hill County Press, Inc. Publishers of the Vestnik—continuously in our fifteenth year.

Complete Printing Services * Newspapers * Brochures Letterheads 0 Envelopes 0 Business Cards * Single or Multi-color David Kolar, Roger Galle, Rick Bailey Box 569, Hillsboro, TX 76645 (254) ;2-3431

Clint Faulkner, Licensed Broker 4002 Whitman Houston, TX 77027 (713) 626-5189 Coldwell Banker Paula Stringer Realtors Danele Durham Office/Fax: (817) 590-2901 Voice mail: (817) 434-0264

QUILTING Machine Quilting • Reasonable prices • Quick turn-around Irene Schiemenz 523 Wagoner Rd Waco, TX 76705 (254) 829-2255 Quilting

Dorothy Milberger Sales Associate 5629 FM 1960 West, Suite 121 Houston, TX 77069 (281) 587- 55 Ext. 249 (800) 318-SOLD BUSINESS Fax: (281) 587-1001 (713) 736-9316 Pager (409) 828-4970 Country Hm. (713) 937-6873 Hm. The Commonwealth Real Estate Company Wayne Fenack, Realtor 3105 Yarbrough, Suite 107 El Paso, TX 79925 (915) 581-4089 Home: (915) 833-3579 Mobile: (915) 549-0517 Doris Law Real Estate "Selling Real Estate Since 1978."

Doris N. Law, Broker/Owner 1309-A West Adams, P.0, Box 1646 Temple, TX 76503-1646 (254) 774-9615 Fax: (254) 778-0518 Mobile: (254) 721-3323 Home: (254) 773-9382

REALTORS AA Realty Principal Broker, Licensed 35 years.

• MLS • HUD • VA Eugene "Gene " Havran, Realtor 413 Sussex Drive Arlington, D( 76014 (817) 277-8383 Metro: (817) 467-2400 Fax: (817) 465-4524 Toll Free: 1 (877) 242-2400 Pager Metro: (817) 331-4635 eugenehav@yahoo.cor

Victor J. Janak 2502 Bandelier Houston, TX 77080 (713) U-3459 Reininger Real Estate "There's no home like the one you own."

• Homes • Farms • Ranches • Commercial C.H. Reininger, Broker Jane Orchard, Agent Route Two, Box 756, FM 1459 Sweeny, TX 77480 ( ) -6625 (409) 548-6623 Fax: (409) 548-6320 Schwab Realty • Real Estate Broker Andre J. Schwab P.O. Box 99, Centerville, TX 75833 (903) 536-2672 Fax: (903) 536-3099 Ray Pilgrim Real Estate and Insurance Agency • Real Estate and Insurance • RVOS • SPJST Ray Pilgrim 106 West Strand El Campo, TX 77437 (409) 543-1890 Fax: (409) 543-1471 Ray's Home: (409) 543-3754 W and W Realtors Serving Bryan-College Station since 1961, • Real Estate Sales and Rentals • Property Management • Locator Service

John V. Broz, Owner/Broker 726 Heights Boulevard Houston, TX 77037 (713) 880-1400 Fax: (713) 880-2633

Ernest A. Wentrcek President and Real Estate Broker Larry Wentrcek Vice President and Sales Associate P. O. Box 6597 Bryan, TX 77805-6597 1802 Greenfield Plaza (409) 822-4226 (409) 268-8622 Ernest's Home: (409) 822-6397 Larry's Home: (409) 846-9405

Gary Greene Realtors Better Homes and Gardens Susan Kelly Broz, Sales Executive 726 Heights Boulevard Houston, TX 77007 (713) 880-1400 Fax: (713) 880-2633 Internet Property.Com , Inc. Nationwide commercial investment real estate brokerage firm specializing in properties for 1031 exchanges from $500K to $30 million.

RECYCLING CENTERS J and J Metal Recycling, Inc. "We buy and sell"

Royce Marek, President 6100 Richmond, Ste. 112 Houston, TX 77057 (713) 953-2127 Fax: (713) 782-0997 marek@pdq.net realestatebrokerage.com

• Collision Damage • Appliances • Plumbing • Install Hitches • Electric Brake Hook-ups • Wiring Durwood Dreyer 1880 Pilgrim Lane Lorena, TX 76655 (254) 857-4020

Real Estate

Gary Greene Realtors Better Homes and Gardens

Annette Cepak 4701 Hillside Drive Arlington, TX 76013 (817) 457-2138

D & D R.V. Repair Center Licensed by state.

Puckett Real Estate • Specializing • Farms and Ranches Robert Puckett 3606 North Navarro Victoria, TX 77903 (512) 573-9361 Home: (512) 576-5694

• VA-HUD Approved Broker

"I do hand quilting,"

RECREATIONAL VEHICLES-REPAIR

Robert and Joyce Jacobs 510 West Grand Yoakum, TX 77995 (512) 293-2365

Coldwell Banker United, Realtors

Jerome J. Hlavaty P.O. Box 174 Lolita, TX 77971 (512) 874-4461

• Artworks • Accessories

W.I. (Bill) Snodgrass III 305 Southwest Main Ennis, TX 75119 (972) 875-9169

• Residential • Commercial • Industrial

Jerome J. Hlavaty Nationwide Advertising "Special advertising for all your needs" • More than 10,000 Items

PICTURE FRAMING The Frame Shop • Custom Framing • Prints • Stock Frames

Management

Doss Sales Company "Advertising That Means Business," "Ask for SPJST Discount,"

Truck N Stuff

Jill Stasny 5903 Highway Boulevard Katy, TX 77494 (281) 391-4500

Real Estate Sales and Property

P °MOTIONAL ITEMS

- Advertise • Promote

Jacobs Real Estate • Ranches and Residential Appraisal Service • Serving Dewitt, Lavaca, Gonzales and Victoria Counties

Mildred Holeman and Associates Mildred Holeman 5525 Airline Drive, Houston, TX 77076 (713) 691-6434 (713) 699-8506 Fax: (713) 691-4084

Clint Faulkner Realty Company

USA Printmaster "A partnership for the 21st Century."

Marvin R. Spicak, R.Ph. 4213 North Ben Jordan Victoria, TX 77901 (512) 573-6385

PHOTO SERVICES

Jim and Estelle Elles 9712 Old Katy Road, Suite 205 Houston, TX 77055 (713) 932-1032 Fax: (713) 932-9238 Home: (281) 721-7440 eelles@aol.com

Main Printing, Inc. • Wedding Invitations • Business Cards • T-shirts • Magnetic Signs • Office Supplies

PHARMACIES The Medicine Shoppe If your pharmacist doesn't know your name, get to know ours: Medicine Shoppe. Medicine Shoppe pharmacists take time to listen, time to help. We make sure you understand the medicines you take, how they work, and what to avoid while taking them. Visit your Medicine Shoppe pharmacist today and ask about Medicine Shoppe's other special benefits.

Bernstein Realty "Mluvi se Cesky"

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• Aluminum Cans • Aluminum • Brass • Stainless • Copper • Radiators • Computer and Electronic Scrap Johnny Tesar 5610 Azel Avenue Fort Worth, TX 76114 (817) 625-5158 (800) 624-5158

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Wednesday, January 19, 2000—VESTNIK/21 REFRIGERATION Dziadek A/C & Refrigeration • 24-Hour emergency service Greg Dziadek 4833 Saratoga Blvd.

Corpus Christi, TX 78413-2213 (361) 991-6912 Fax: (361) 991-6947 Pro Tech Refrigeration, Inc. • Refrigeration • Air Conditioning • Ice Makers - Sales • Service Harry Svacek P.0, Box 21958 Waco, IX 76702 (254) 826-3387

RENTAL PROPERTIES E & J Crestwood Complex Rental Properties: • Apartments • Office Space • Storage (large and small) • RV Hookups • Car Wash • Mobile Home Spaces • Washateria • Restricted Building Lots (Commercial and Houses) • Crestwood Water Company Edward and Judi Slampa, Owners Highway 729 at Johnson Creek Lake 0' the Pines Route Two, Box 1114 Avinger, TX 75630 (903) 755-2353

REPAIR SERVICE Curtis Treat Repair Service Route One, Box 226 Chilton, TX 76632 (254) 546-2938 Home: (254) 546-2707

RESALE SHOPS Gene's Resale Shop Gene and Dolores Valigura Owners 106 Marion Street El Campo, TX 77437 (409) 543-3762

RESTAURANT SUPPLIES Jean's Restaurant Supplies • New and Used • Sales and Service David Mostaghasi President 426 South Staples Corpus Christi, TX 78401 (512) 884-9800

RESTAURANTS Casa Salgado Good Mexican Food • Mesquite Fajitas • Lunch Specials • Open Tuesday - Sunday Jaime & Maria Salgado Owners 715 South First Street Temple, TX 76501 (254) 770-1313 Fuddruckers Restaurants College Station 2206 South Texas Avenue (409) 696-7142 -

Lubbock 4102 19th Street (806) 797-8144

Midland 4511 North Midkiff, No. C-22 (915) 689-0448 Killeen 2301 E. Central Texas Expressway, No. 106 (254) 699-7700 Temple 3111 South 31st Street, No. 3321 (254) 742-7100 Waco 1411-A North Valley Mills Drive (254) 776-0961 Don Rohde, Partner

Green's Sausage House Since 1946 19 Varieties of Country Style Sausage • Home Cured Hams and Bacon Smoked Turkeys • Freezer Beef Sold in Quarters and Halves • Homemade Breads and Kolaches Gift Baskets and Party Trays Charles and Marvin Green 10 miles east of Temple Highway 53 in Zabcikville (2 ) 985-2331 Miska's Drive In "Fresh Bar-B-Que and Fried Chicken Daily" Frank H. Miska, Owner 302 South Seventeenth Street P.O. Box 595 West Columbia, TX 77486 • ) 345-.00 Tim's Southwestern Kitchen Come In and Taste Our Cooking Tim Farek, Owner/Chef Store Hours: Monday-Thursday 6:30 a.m.-3:30 p.m.

Friday 6:30 a.m.-9:00 p.m.

Saturday 8:00 a.m. -9:00 p.m.

Sunday Brunch 9:00 a.m.-2:00 p.m.

104 S. Tarrant Crowley, TX 76036 (817) 297-7364 Tres-Palmas Restaurant • Mexican Food • American Food • Great Homemade Food Rebecca and Rick Yackel, Owners 1008 North Street, Louise, TX 77455 (409) • :-2470 Open Monday - Saturday 10 a.m. -2 p.m. and 5- 9 p.m.

RESTAURANTS MEAL DELIVERY SERVICE The Box Lunch "Treat Yourself to the Best Meal You Will Ever Eat." • Free Delivery in City limits Laurie Alexander, Owner Jeannie Elder, Owner Corner of Virginia Street and Highway 35 Port Lavaca, TX 77979 (512) 552-4001

RESUME SERVICES Rick Alder Resume Consultant since 1978.

6257 Whispering Lane Titusville, FL 32780 (407) 383-0349

ROAD BUILDING CONTRACTORS PAKA Construction, Inc. • Complete Dozer Service • Gravel • Sand Hauling • Road Construction • Shop and Field Welding • Trailer Repair • Cattleguards • Metal Buildings • Custom Bumpers and Accessories Charles Pate 711 South South Street P.O. Box 544 Yoakum, TX 77995 (512) 293-6661 (512) 293-3321

TUBBER STAMPS Rubber Stamps • Thousands of rubber stamps • Hundreds of colors of paper • Lots of accessories for scrap booking and card making • Orders shipped to your home Scrapbook and card making classes available.

Cindy Kovar P.O. Box 9809 College Station, IX 77842-9809 (409) 694-2110 mckovar@txcyber.net

SATELLITES STS Satellites Audio/Video • Sales • Service • Cable Programming James and Pat Bailey, Owners 1505 South First Street Lufkin, TX 75901-4719 ( ) 639-4529 Fax: (409) 637-6267

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Cookbook Published Since 1974 Over 1,000 Recipes and 750 Tips Anna Kubacak (806) 745-2060j

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SAWS Peewee's Sharp 'N' All • Circular Saw Blades • Hand Saws • Drill Bits • Lawn Mower Blades • Scissors • Gardening Tools Floyd Lange 2800 FM 971 Georgetown, TX 78626 (512) 9-7073

SEWING MACHI'TS (REPAIR) o I, Joe "Over 35 Years Experience."

• Sewing Machine Repair • Fast Service • House Calls Joe Motl 11304 Hunters Lane Austin, IX 78753 (512) 836-02 I

SCREEN PRODUCTS Screen Service • Wood and Aluminum • New and Repair Edward Wolbrueck, Jr. 1407 Burn's Blvd.

Taylor, TX 76574 (512) 352-2687

SHARPENING SERVICES The Cutting Edge Complete sharpening service.

Bill and Becky Snodgrass 305 H Southwest Main Ennis, TX 75119 (972) 875-9169

SECURITY SYSTEMS NZ Control Specialists Electronic Security, Plus . .

TX. Lic. B-3367 Z. Nedbalek (Danny), President 9217 North Allegro Houston, TX 77080 (713) 827-1983 Fax: (713) 827-1352 Emergency Bip: 901-4338

SHEET METAL L. Gomez Sheet Metal, Inc. • General-Industrial • Custom Specialty Work P.O. Box 517 5130 Highway 53 East Temple, TX 76501-0517 Office: (254) 773-7561 Fax: (254) 778-3055 1 (800) 722-7561

SEEDS Pioneer Brand Products "We have many seeds for planting, including our number one seller — corn."

Roy Surovik, Sales Representative P.O. Box 73 Mertens, TX 76666 (254) 678-3271

SERVICE STATIONS Lawrence Jansky's Texaco Service Complete Line of Texaco Products Lawrence Jansky South Highway 181, Poth, TX 78147 (830) 484-3723 Rowena Service Station Feed and Supply Grant Teplicek 313 Edwards Rowena, TX 76875 (915) 442-2129

SEWING SERVICES/PRODUCTS Bernina Sew and Quilt Sew Much Better • Classes • Repair • Sales • Quilt Fabric • Sewing Machines • Sergers • Embroidery Machines New Home Bernina Brother Stephen Weathers, Owner Killeen Sewing Machine & Quilt Store 1002 East Elms #113 Killeen, TX 76548 (254) 616-2200 Temple Sewing Machine & Quilt Store 1719 West Ave. M Ste A Temple, TX 76504 (254) 774-9797 5900 Basque Blvd. Ste. 315 Waco, TX 76710 (254) 772-2887 Rose Marie's • Custom Sewing • Alterations • Bridal and Wedding Attire • Specially Items Rose Marie Schipula El Campo, Texas ( ) 541-5761

SHOES (RETAIL) Knapp Shoes "The Comfort Shoe" Martin and Shirley Narendorf (713) 686-2842

SIGNS

Signs Unlimited "Large or Small — We Do 'Em All" Zephyr Marek Owner and Consultant P.O. Box 134 Rockdale, TX 76567 (512) 446-3346

SPORTING GOODS Gator Worm Co. • Largest Color Selection • Color Combinations Available • Specializing in Black Powder • Pistols, Rifles, and Accessories Lee Gaydos, Jr., Owner 204 South Mays Round Rock, TX (512) 255-22 4 A

STANLEY HOME PRODUCTS "A tradition of quality home and family care products since 1931."

Edwina Jezisek P.O. Box 823 Granger, TX 76530 (512) 859-2677 Wayne M. Law 201 East Upshaw Temple, TX 76501 (254) 773-9382

STORAGE FACILITIES Armadillo Storage • Mini Warehouses • RV, Boat, and Auto Storage Daniel Marek, Jr. P.O. Box 134 (North FM 487) Rockdale, TX 76567 (512) i

22/VESTNIK—Wednesday, January 19, 2000

General Information on Real Estate Loan Applications Loan applications must meet

the requirements set by the SPJST. The following rules and requirements are intended to provide basic guidelines for informational purposes but may not include all applicable rules and requirements. At our option, the continuation of the mortgage loan program may be discontinued and current interest rates may change •without notice.

Membership/ SPJST Life Insurance In order to be considered for a mortgage loan with the SPJST, you or your spouse must be a member of the SPJST. We recommend that you review your SPJST life insurance program with one of our sales representatives. Today, the monthly mortgage payment represents a major portion of the family budget.

Should either you or your spouse die prematurely, it may be impossible for the family to maintain payments on the home.

The SPJST has insurance plans that will insure your ability to keep your home and preserve the well-being of your loved ones. For information on available options, contact your local SPJST sales representative or call (800) 727-7578.

Maximum Loan Amount Our underwriting guidelines stipulate that we may lend up to 75 percent of the purchase price or director's value, whichever is less, on first-class residential real estate. For example, if the director's estimated value of the land and dwelling are $40,000, the maximum amount that can be financed on this security is $30,000.

Each immediate family is subject to a maximum financing limitation of $200,000.

Income and Debt Qualification The proposed monthly mortgage payment should not exceed 28 percent of family gross income. The total of the mortgage payment and all other monthly debt obligations should not be greater than 36 percent of gross income.

Type of Security The property offered as security must comply with one of the following descriptions: 1.0wner-occupied dwelling.

2.Rural or farm property on which there is or will be owner-occupied dwelling.

3. Farm or ranch property to be used as an owner-operated farm or ranch.

4.Selective commercial property when the property is used to conduct an owner-operated business.

(Financing is limited to the lesser of 75 percent of the purchase price or director's estimated value and terms of repayment are limited to 15 years.)

5.One- or two-family residential rental property. (Financing is limited to the lesser of two-thirds of the purchase price or director's estimated value and commercial interest rates apply.)

6.Double-wide pre-manufactured homes under special rules.

(Financing is limited to the lesser of two-thirds of the purchase price or director's estimated value.

Commercial interest rates apply and repayment term is limited to 10 years.)

Property deeded by a special warranty deed is limited to the financing of twothirds of the lesser of the purchase price or director's estimated value. All repayment terms are limited to 15 years and commercial interest rates will apply. The seller is limited to a financial institution with a minimum of $1,000,000 in capital.

Construction of Improvements If a loan is requested for the construction of a dwelling, copies of bids and/or contracts are required. The director's estimated value will be based on the value of the land as well as the plans and

specifications included with the contract.

A loan cannot be funded until the improvements are 100 percent complete according to the plans and specifications submitted.

In order to comply with Texas homestead statutes, the financing of improvements requires a Mechanic's and Materialman's Lien Contract and Note for an amount that, at a minimum, equals the cost of the proposed improvements. The M&M contract must be signed and recorded before improvements are begun.

Homestead Property It is understood that the residential security offered may be your homestead and that the Slavonic Benevolent Order of the State of Texas (SPJST) shall not refinance any outstanding indebtedness other than the remaining balance owed on the original mortgage and any indebtedness due from a M&M Lien Note when improvements are made. When refinancing from another lender, the lender must assign the note to the SPJST at closing.

The note may not be released by the other lender due to Texas statutes regarding homestead property.

Note: The evaluation report done by the SPJST Directors is intended for the private use of the SPJST and should not be used by any other financial institution in determining the value of the security for this loan.

Patlison Mini Storage "Low price, small deposit."

• 6 x 10 • 10x10 • 10 x 20 • 10 x 22 Jack and Doris Hutchins 359 North and Lomax Road Brookshire, TX 77423 (281) 934-8029 (281) 589-6265

STORM SHELTERS

Present Interest Rates Residential and Farm Property 6.75% for terms of 1 to 7 years 7.25% for terms of 8 to 15 years 7.50% for terms of 16 to 20 years 7.75% for terms of 21 to 30 years Commercial Property 8.50% for terms of 1 to 10 years 8.75% for terms of 11 to 15 years The interest rate on committed loans (construction) is locked in for 150 days with one 30-day extension at the committed rate.

The interest rate on committed loans (other than construction) is locked in for 60 days with one 30-day extension at the committed rate.

Any further extension may be granted but at the current interest rate at that time, or the committed rate, whichever is greater. The rates quoted are not guaranteed. If the rates change before an application is accepted, the new rate will prevail.

A commitment that goes over a year will require a new inspection and SPJST is under no obligation to continue with the application if our guidelines are not met.

Note: If both the loan applicant and coapplicant cease to be a member of the SPJST, the interest rate will be increased from the original rate by 2 percent.

Procedure 1. You must complete and file with the Slavonic Benevolent Order of the State of Texas (SPJST) an original and one copy of the loan application completed in ink and signed by a notary public. Include a copy of the latest paid tax receipt with the tax valuation of the property. If you are married, both spouses must sign the application.

(Continued on page 19.)

2.If the property is in an unrecorded subdivision, you must submit a copy of the deed restrictions and other relevant details.

Elzner Enterprises Taxidermy • Big Game Heads • Birds • Life Size Animals S.L. "Sonny" Elzner, Jr. 16110 Charolais, Cypress, TX 77429 (281) 373-1265 Maury's Taxidermy • Deer Heads $185 and up • Call for Quote Maury Barnes 5334 Kansas Street Houston, TX 77007 (713) 863-8577

Heartland Storm Shelters of Central Texas • Underground Fiberglass Storm Shelters • Rust-Proof • Self-Contained Unit • Easily Installed • Lifetime Warranty Ronnie Skala, Distributor 10081 Stringtown Road Temple, TX 76501 Home: (254) 983-0079 rskala@wm.com

SURVEYING

TELECOMMUNICATIONS Netek Enterprises • Travel • Information Services • Discount Merchandise • Telecommunications Don F. Netek, Jr. and Clarita Netek, Owners P.O. Box 7556, Pasadena, TX 77508 (281) 487-6552 Fax: (281) 487-7780

Kaspar's Rice Field Surveying Leroy J. Kaspar, Owner Route Three, Box 224 El Campo, TX 77437 (409) 543-2532

TILE CONTRACTORS Jon Durham Custom Marble and Tile • Residential • Commercial Jon Durham 2533 Greene Avenue Fort Worth, TX 76109 (817) 237-7363

SWIMMING POOLS Happy Water Pool & Spas • New and Used Equipment • Repair, Service and Sales Mike Malone 119 West Davilla, Granger, TX P.O. Box 126 Granger, TX 76530 (512) 859-2135 Digital Pager: 404-2721

Purchase or Refinancing of Property If the funds are to be used to purchase property, the following must be provided: 1.Title conveyed from seller to buyer (borrower) by a general warranty deed reserving a vendor's lien (sales ramifications resulting from interpretations of the Texas Homestead Law).

2.Copy of the sales contract on the property to be purchased. (When refinancing, a copy of the settlement statement may be submitted for the original contract.)

3.Copy of the current year's paid tax receipt, with the current tax valuation of the property.

TAXIDERMISTS

TITLE COMPANIES Republic Title of Texas, Inc. Paul A. Pulliam Chief Executive Officer 300 Crescent Court, Suite 100 Dallas, TX 75201 (214) 855-8888 Fax: (214) 855-8898

TEE SHIRTS (RETAIL/CUSTOM) BJ's Custom Shirts & Team Uniforms, Inc. • Silk Screening • Group Discounts • In-Store Monogramming Bill and Norma McLendon, Owners Greater Richland Center 7227 Grapevine Highway Fort Worth, TX 76180 (817) 281-6382

TOYS Discovery Toys Developmental and educational toys, books, games and software. Ages birth to adult, • Free Toys! • Fund Raisers.

• Career Opportunities Mila Milan Sr. Educational Consultant 8894 Random Road Fort Worth, Texas 76179 (817) 236-3620

Czech Village Shirt, Etc. Shop International Custom designing available.

Mail orders and inquiries are encouraged.

Items are available at Maggie's Fabric Patch in West, Texas.

John A. Kuba, Proprietor P.O. Box 716, Helotes, TX 78023 (210) 695-8235 77 - 16th Avenue Southwest Cedar Rapids, IA 52404 (319) 364-8482

TRANSMISSIONS—AUTO West End Transmissions Engine and Transmission Repair • Electronic Engine Control Services • Computer Diagnostic Services • Free Estimate and Road Test • 24-Hour Towing Service Edwin Sulak Route One, Box 286-A "Old Dallas Road" West TX 76691 Anytime: (254) 826-3296 Emergencies: (254) 826-3166 Mobile: (254) 744-8647

TAX CONSULTING AND TAX PREPARATION Certified Public Accountant Bruce Lesikar 2525 Ridgmar Blvd., Suite 305 Fort Worth, TX 76116 (817) 738-2177 FAX: (817) 738-2179 Goliad Bookkeeping Service "We do sales tax forms, 941 forms and others. Small businesses and individuals welcome."

• General Bookkeeping • Income Tax Preparation Weldon Horadam 347 North Church Street Goliad, TX 77963 (512) 645-2114 Fax: (5T2) 645-4028 Tax Consultant • Accredited Tax Advisor • Enrolled Agent Louis R. Michka 1040 South Fourth (Highway 19) Crockett, TX 75835 (409) 544-8296 Fax: (409) 544-3299 Tax Consultant Victor J. Janak 2502 Bandelier, Houston, TX 77080 (713) 460-3459

TRAVEL AGENCIES Custom Travel "Offering a full range of travel services."

Mike and Kathy Ahlstrom P.O. Box 3888 Victoria, TX 77903 (361) 578-0999 Fax: (361) 575-8835 Hamilton Travel, Inc. "Owner Managed Since 1982" • • • •

Consistency of Ownership Daily Hands-on Management Direct Access to the Owner Finest in Corporate/Leisure Travel Services

Proven • Experienced • Flexibility • Solid History • Commitment When Only the Best Will Do Natalie Andreason, Travel Agent 17290 Preston Road Dallas, TX 75252 (972) 248-4100 (800) 634-3652

Wednesday, January 19, 2000—VESTNIK/23 Klecka's Klub Kontinental "Our 28th year of first class tours to Europe and the Czech Republic annually in June and September. We know the Czech Republic and the Czech Republic knows us."

Rudy and Henrietta Klecka P.O. Box 28, East Bernard, TX 77435 (409) 335-4456 After 6 p.m.: (409) 335-4471 Fax: (409) 335-4390 Orsak's Adventures Offering wonderful Czech Republic and Central European tours at affordable prices.

• Detailed tour information available at www.orsakadventures.com Tim H. Orsak 8623 Angora Street Dallas, Texas 75218 (214) 327-3534

Victoria Vacuum Cleaner, Inc. "We repair all makes."

"Trade-ins welcome."

• Sales • Service • Parts • All Makes and Models • Floor Machines • Central Vacuums • Janitorial Supplies • We Trade — New, Used, Rebuilt Matt and Mary Vanek, Owners 1808 North Navarro, Victoria, TX 77901 (512) 573-5691 (800) 640-1898

VIDEO PRODUCTION Video Data Services of Victoria We will transfer your old home movies to videotape. Also, call us for your video needs—for business, social events, videotape duplication, editing and more, Michael and Shirley Page P.O. Box 7153 Victoria, TX 77903 (512) 578-1851 (800) 574-1851

TROPHIES Hejl Trophies and Gifts Trophies, plaques, ribbons and personalized gifts.

Edward Hejl 5 South Second Street, Temple, TX 76501 (254) 773-3751

TUPPERWARE Tupperware LaVerne Cabla, Dealer 10612 Oscar School Road Temple, TX 76501 (254) 985-2354 Tupperware "Featuring the finest food storage containers."

• • • • •

Offering In Home Service For: Custom Kitchen Planning Microwave Cooking Presentations Refrigerator/Freezer Organization Group "Fund Raising" Available Bridal Registry Wendy Pruski Route Two, Box 71, Stockdale, TX 78160 (830) 745-2702

TUXEDOS Weddings by Debbie • Tuxedos • Bridals • Formals Alvin and Debbie Unhart, Owners 829 South Mason Road, Katy, TX 77450 (281) 647-6255 307-A Sawdust Road, Woodlands, TX 77380 (281) 364-8879

VACATION RENTALS The Summit "Colorado's Playground" • 5 Ski Areas • Fishing • Hiking • Climbing • Biking • Rafting • Etc. Buffalo Village Condominiums Silverthorne, Colorado The Reeves Family P.O. Box 830362 Richardson, TX 75083 (972) 437-1234 REEVELTM@yahoo.com

VACUUM CLEANERS Electrolux Vacuum Cleaner Sales and Service "Over 30 years experience to serve you.

You never pay for a service call!"

• Uprights • Tanks • Central Vacuums • Shampooers Bernie Wuthrich Austin area: (512) 255-3831 Temple/Belton area: (254) 939-6404 Vacuum Cleaner Warehouse, Inc. "Name brands, warehouse prices."

• Sales • Service • Parts • All Makes and Models • We Trade — New, Used, Rebuilt • Floor Machines • Central Vacuums • Janitorial Supplies Matt and Mary Vanek, Owners 3804 John Stockbauer Drive Victoria, D( 77904 (512) 572-8406

VIDEO RENTALS The Movie Shop Dorothy Heiman 403 Lott Street, Yoakum, Di( 77995 (512) 293-2726 Fax: (512) 293-3682

WALLCOVERINGS "Udderly" Country Udderly Country is more than a country store. Choose from pictures, lamps, and wall decor to match any style, Need furniture custom painted?

We do it!

Need Beanie Babies?

We sell them!

Wall paper and custom bedding?

We do that, too!

And much, much more!

Stop by and see us today!

• Gifts • Wallpaper • Furniture • Custom Draperies and Bedding Mona Jurica, Owner 4402 Colleyville Boulevard Colleyville, TX 76034 Metro: (817) 577-1830

WATKINS PRODUCTS Clyde and Shirley Hannes Serving the Houston area for over 30 years.

• Money Making Opportunities Available • Fund Raising for all groups • 10 percent discount for all lodge members Clyde and Shirley Hannes, Distributors 1517 Lombardy Houston, TX 77023 (713) 924-5113 (713) 482-5162 (800) 533-0158 Watkins Products Quality Since 1868.

• Spices and Extracts • Gourmet Ingredients • Health and Nutrition Products • Skin arid Hair Care Products • Laundry and Bath Products Russell and Daffney Pajestka Independent Marketing Representatives No.93512 P.O. Box 325, 111 Dixie Drive Holland, TX 76534 Call for a FREE Catalog: (254) 657-0029 Florene Rohde Independent Marketing Representative No. 30952 101 Shelley Street, Holland, TX 76534 (254) 657-2781

WEDDING CAKES Specializing in Wedding and Groom Cakes • All Occasion Cakes Available Jeri Kopecky 9419 Mercer, Dallas, TX 75228 (214) 320-0148

WEIGHT CONTROL SERVICES Herbalife "Lose while you snooze!! Shrink while you drink! Call or write for details."

Bill and Mary Peska, Distributors 1330 Spillers Lane Houston, TX 77043-4136 (713) 468-8134

WELDING G.C. Welding and Construction • Shop Fabrication and Repair • Portable Fabrication and Repair • Mig Tig and Stick • Miscellaneous Backhoe Service Greg Cloer 133 Crooked Hollow Rd Elgin, TX 78621 (512) 796-5100 Fax: (512) 281-2847

WELL DRILLING Vrana's Well Service • Water Well • Drilling • Pump Sales and Service Bruce Vrana, Driller and Dale Vrana, Service Route Four, Box 56 Schulenburg, TX 78956 (409) 562-2132 Bruce: (409) 562-2423 Dale: (409) 562-2437

Buy a home or build a business Your home is a major investment and it takes routine maintenance and upgrades to keep it looking good and maintain. its value. And speaking of .value, here's something else you'll want to consider: An SPJST Home Loan. If you have a 30-year note. and have accumulated at least 25 percent equity in your home, you could be in line to save plenty.

Pay Now, Save Later

WINDMILLS Texas Windmill Sales • Windmill Sales and Service Vincent Hechler, Owner P.O. Box 192, Danbury, TX 77534 (409) 922-1190 Windmillers' Gazette "The only periodical worldwide devoted exclusively to water-pumping windmills and to windmill history."

• Annual subscriptions are $15.00 T. Lindsay Baker, Editor/Publisher P.O. Box 507 Rio Vista, TX 76093

WOODWORKING Texas Wood - N - Things Handcrafted wooden items.

• Specializing in Scroll Saw Work Bennie Reck Route One, Box 40-A, Louise, TX 77455 (409) 543-3016 Woodcrafts Unique and Practical Gift Ideas "Creative Thinking in Wood" • Cabinets • Carrying Cases • Signs • Van Accessories • Mailboxes • Nameplates • Desk Sets • Toys • Games • Gadgets • Wood Supplies • Woodworking Plans, Parts and Kits • Wood Staining and Varnishing • Hard-to-Find Items • Repair and Refinishing Wood Furniture Rick, Peggy and Stephanie Alder 6257 Whispering Lane Titusville, FL 32780 (407) 383-0349

General Information on Real Estate Loan Applications (Continued from page 22.)

2. If the property is in an unrecorded subdivision, you must submit a copy of the deed restrictions and other relevant details.

3. The applicable loan application fee must accompany the application in order to begin processing the loan request. An estimate of closing costs and financing charges will be furnished soon after the application is filed. A current credit report will be obtained in conjunction with the consideration of your loan request.

4. If the application is accepted for consideration, the director of your district will contact you to set up a convenient time for an evaluation of the property.

5. After the evaluation is made, you will receive -a letter from the Supreme Lodge SPJST informing you of whether or not your loan application is approved. If your application has been denied, the reasons for its denial shall be stated.

6. Title insurance will be required from an accepted guaranty title company authorized to operate in the state of Texas.

7. A survey on the ground and a plat certified by a registered public surveyor is also required. The plat must

• The basic philosophy underlying the mortgage lending program offered through the SPJST is that through joint effort and mutual selfinterest, • individuals and families may collectively achieve objectives unattainable by acting alone.

For more than 70 years, the SPJST .has been using its Mortgage Loan Program as one of its investment vehicles to invest the assets of The Society. And unlike mostcornmercial institutions; SPJST does not sell its mortgage notes to other financial institutions. Should you have a question, you know who to call.

• In order to be considered for a mortgage loan with the SPJST, you or your spouse must be a member of the Society. Likewise, each • immediate family is subject to a maximurri financing limitation of .$200,000. • : •The SPJST is currently offering hdme and farm mortgages with notes ranging from I - 30 years.

For a free illustration that shows you how you can save when making a new loan or refinancing through the SPJST, please contact the SPJST Mort g age Lending Department at 1 (800) 727 - 7578.

• --L-SPJST--.-- • show all improvements and easements and state that there are no encroachments, conflicts or protrusions. The surveyor must also attest as to whether the property is in a special flood hazard area and certify that the property has access to and from a dedicated public roadway. (In select cases, when refinancing existing SPJST mortgages, it may be possible to accept certified plats that are up to seven years old provided that your title company will delete schedule B-2 except for "Shortages in Area.")

8. If your loan application is denied, any unused portion of the fee will be refunded. No portion of the loan application fee will be refunded after a letter of commitment has been issued.

9. A termite inspection and a septic system inspection for any dwelling or commercial building, regardless of location, is required at no cost to SPJST. 10.SPJST also requires a copy of your most recently filed Federal Income Tax Return or W-2 form(s).

11. More complete terms and conditions of the SPJST's underwriting guidelines may be located in the loan application and the letter of commitment. For any additional information regarding mortgage loans, call us at (800) 727-7578 or (254) 773-1575 and ask for Ann Paruzinski or Daryl Entrop.

—SPJST-

Trust is earned over time, and success comes with the ability to grow and change over the years. The SPJST has a long history of providing quality life insurance products, annuities, home loans and fraternal activities to Texas families. We look forward to continuing our long history of service to you far into the new millennium.

SPJST The Slavonic Benevolent Order of the State of Texas 126 Lodges Around the State Home. Office: 520 North Main Street • Temple, Texas 76501 • 1(800) 727-7578 • info@spjss.com