Vestnik 2018.03.28

2018 Life Insurance and Annuity Extra A special VĚSTNÍK publication. Volume 106 Number 12 ISSN —07458800

Insuring & Enriching Lives Since 1897

2018 SPJST Life Insurance and Annuity Extra

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SPJST HOME OFFICE • 520 North Main Street • Temple, Texas 76501 800-727-7578 • 254-773-1575 • Fax: 254-774-1456 • www.spjst.org

2018 SPJST Life Insurance and Annuity Extra

Karen Kaspar, FIC, CFFM - District Six h: 979-543-2532 • m: 979-332-1616 k-kaspar@hotmail.com

• SPJST OFFICERS •

Published March 28, 2018, the 2018 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information and of the insurance plans and annuity programs available to qualifying SPJST members and prospective members.

Table of Contents

Different types of life insurance....................................................................................3 Tips on buying life insurance ........................................................................................3 Affordable Insurance Options .......................................................................................4 Annual Reviews Available to all Members ...................................................................4 Should I buy life insurance through work or on my own?.........................................4 What you should know about buying life insurance ..................................................5 How to purchase insurance: Choosing an agent ......................................................5 How to purchase insurance: Choosing a policy ........................................................6 What is an annuity? ........................................................................................................8 How are annuities different from life insurance?........................................................9 Why should I consider purchasing an annuity? .........................................................9 What are the different types of annuities: fixed vs. variable ....................................9 What are surrender fees?.............................................................................................10 What is the difference between a fixed and variable annuity?................................10 What are deferred and immediate annuities?............................................................10 SPJST Annuities............................................................................................................11 How much should I invest in an annuity?..................................................................12 What is a “free-look” provision?.................................................................................12 Directory of SPJST Sales Agents ..........................................................................13-15

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President Brian Vanicek, FIC o: 254-773-1575 • m: 254-534-2902 vanicek@spjst.com

Bob J. Bayer, FIC - District Seven h: 830-393-2872

Vice President Hiram Dixon, FICF, LUTCF, CFFM o: 254-773-1575 • m: 254-231-7722 hiramd@spjst.com

• OPERATION MANAGER •

Richard Hrbacek o: 254-773-1575 richardh@spjst.com

Chief Financial Officer Leonard D. Mikeska, FIC o: 254-773-1575 • m: 254-721-4739 leonardm@spjst.com

• FRATERNAL FIELD MANAGERS •

Director of Accounting/Information Technology Services Roy Vajdak o: 254-773-1575 • royv@spjst.com

DISTRICTS ONE/TWO/THREE Philip (Phil) McBee, FICF, CFFM m: 325-647-1949 • f: 325-784-7448 mcbeephilip@gmail.com

• SPJST DIRECTORS •

Donnie Victorick, FIC, CFFM District One m: 979-272-3265 • o: 979-224-3125 dv.aggie71@gmail.com

Jesse Pospisil - District Two h: 512-365-1110 • m: 512-826-7371 jlpospisil@yahoo.com

DISTRICTS FOUR/SEVEN Bobby Davis, FICF, CFFM m: 325-450-3748 • f: 325-657-2003 bgdsr2428@aol.com

John Engelke - District Three h: 254-799-4247 • john.engelke@hotmail.com

Billy Rollwitz, FIC, CFFM - District Four h: 325-442-3141 • m: 325-277-5362 o: 325-442-3038 • brollwitz@verizon.net Bradley Stavinoha, FIC - District Five m: 979-739-2386 • o: 979-793-7411 spjst@earthlink.net

• • • • • • • • • • • • SPJST Insurance Department Staff

DISTRICTS FIVE/SIX Delisle Doherty m: 832-232-2049 • f: 281-855-3039 delisled@sbcglobal.net

• VĚSTNÍK • SPJST’s Weekly Member Newspaper

Editor/Director of Communication Melanie Zavodny, FIC o: 254-773-1575 • m: 254-534-0807 f: 254-773-8087 • melaniez@spjst.com

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Hiram Dixon FICF, CFFM, LUTCF Supreme Lodge Vice President 9 Years Service

Dana Boyd Administrative Specialist/ Certificate Issue Technician 2 Years Service

Cynthia Hutka Insurance Department Manager 31 Years Service

Virginia Longoria Customer Service Representative 2 Years Service

Richard Hrbacek Operations Manager/ Marketing Manager 3 Months Service

Terry Malina Insurance/Beneficiary Technician 4 Years Service

Philip (Phil) McBee FICF, CFFM Fraternal Field Manager Districts One/Two/Three 12 Years Service

Lisa Mills Administrative Assistant to the Vice President 9 Years Service

Bobby Davis FICF, CFFM Fraternal Field Manager Districts Four/Seven 10 Years Service

Doni Powell Insurance Underwriter 17 Years Service

Delisle Doherty Fraternal Field Manager Districts Five/Six 7 Years Service

Susan Shofner Field Support and Store Specialist 17 Years Service

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Donica Zabcik New Business Technician 14 Years Service

2018 SPJST Life Insurance and Annuity Extra

Different types of life insurance

The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

• You can borrow from the insurer using your cash value as collateral.

• You can get the loan even if you don’t have a good credit history. If you don’t repay the loan (including interest), it will reduce the amount paid to your beneficiaries after your death.

• You can use the cash value to pay your premiums, which would create a loan (interest would continue to accrue), or to buy more coverage.

• You can exchange the policy by using the cash value for an annuity that will provide a steady stream of retirement income for life or a specified period.

• You can cancel (surrender) the policy and receive the cash value in a lump sum. You will pay taxes on the value that exceeds what you’ve paid in premiums.

Basic types of cash value insurance Whole life offers premiums that generally stay fixed over the life of the policy, a fixed death benefit, and cash value that grows at a fixed rate of return.

Tips on buying life insurance

Make sure that you fully understand any policy you’re considering and that you’re comfortable with the company, agent, and product. When choosing a product, follow the tips below:

What are the different types of insurance?

There are two basic types of life insurance: permanent and term. Permanent insurance pays your beneficiary whenever you may die; term insurance pays your beneficiary if you die during a specific period of time. The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

What is permanent insurance?

Permanent (cash value) insurance provides lifelong protection as long as premiums are paid. It may build up cash value over time, which grows tax deferred. With all permanent policies, the cash value is different from the face amount. The face amount is the money that will be paid to your beneficiary if you die. Cash value takes time to grow.

But after you’ve held the policy for several years, its cash value can offer you several options:

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Universal life gives you flexibility in setting premium payments and the death benefit. Changes must be made within certain guidelines set by the policy; to increase a death benefit, the insurer usually requires evidence of continued good health. A universal life policy can have a variable component.

What is term insurance?

Term insurance provides protection for a defined period of time—from 10, 15, 20, or even 30 years—and pays benefits only if you die during that period.

Term insurance is often used to cover financial obligations that will disappear over time, such as tuition or mortgage payments. Premiums for term insurance either can be fixed for the length of the term or can increase at a point specified in the policy. They also can be less expensive than for a cash value policy.

Some term policies can be renewed at the end of a term. However, premium rates will usually increase upon renewal.

To qualify for renewal at the lowest rates, many policies require evidence of insurability (continued good health). At the end of a term, you also may be able to convert the policy to a permanent policy.

Term policies don’t usually build up a cash value.

What are the advantages and disadvantages of each type of insurance?

Cash Value Insurance Advantages • Lifelong protections as long as the premiums are paid.

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

• Cash value, which can be: used to pay premiums or buy more coverage; borrowed against; converted to an annuity; or surrendered for cash.

Cash Value Insurance Disadvantages • Cash value insurance is designed to be kept for the long term; therefore, cancelling a cash value policy after only a few years can be expensive.

Term Insurance Advantages • A policy can cover financial obligations that will disappear over time, such as a mortgage or college expenses.

• Premiums are generally lower than those for cash value insurance at younger ages.

Term Insurance Disadvantages • Provides protection for a specific period of time, not for life.

• Renewing coverage at the end of the term generally means premiums will increase.

• Policies don’t usually build up a cash value.

Source: American Council of Life Insurers, www.acli.com

• After you’ve bought an insurance policy, you may have a “free-look” period—usually 10 days after you receive the policy—when you can change your mind. During that period, read your policy carefully. If you decide not to keep it, the company will cancel the policy and give you an appropriate refund. Information about the free look period is in your contract.

• Keep your life insurance policy with your other financial records or legal papers, or anywhere your survivors are likely to look for it. However, don’t keep your policy in your safe deposit box. In most states, boxes are sealed temporarily on the death of the owner, delaying a settlement when funds may be needed most.

• Contact your original company, agent, or financial adviser before cancelling your current policy to buy a new one. If your health has declined, you may no longer be insurable at affordable rates.

If you replace one cash value policy with another, the cash value of the new policy may be relatively small for several years.

• If you have a complaint about your insurance agent or company, contact the customer service division of your insurance company. If you’re still dissatisfied, contact your state insurance department.

A state insurance department directory is available on www.acli.com.

• Review your policy from time to time or when a major event occurs in your life—such as a birth, job promotion, divorce, remarriage, or retirement—to be sure your coverage is adequate and your beneficiaries are correctly named.

• Visit www.acli.com for more consumer resources and information about life insurance.

Source: American Council of Life Insurers, www.acli.com

2018 SPJST Life Insurance and Annuity Extra

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Affordable insurance options

In many cases, the application process can be accomplished in one meeting.

Are you and your family adequately covered? Unless you deal with life insurance regularly, it can be an intimidating and sometimes difficult subject to discuss.

If you haven’t purchased insurance in a while, you may be surprised at the many affordable life insurance options available through your local SPJST sales agent. The following list provides a brief summary of the insurance options that are available:

10-Year Term. A modern term product issued to ages 18 through 75. Premiums are guaranteed for 10 years and can be renewed annually after that to age 95. The death benefit is guaranteed level to age 95. Renewals are guaranteed, even if your health is not perfect!

Convertible to permanent coverage prior to age 65 with no health requirements.

15-Year Term. Just like the 10-Year Term, except premiums are level for 15 years. Issued to ages 18 through 70. Convertible to permanent coverage prior to age 65 with no health requirements.

20-Year Term. Level premiums for 20 years (guaranteed level for 10). Issued to ages 18 through 65. Just the thing for young families to provide benefits for the family while the children are growing up if the breadwinner dies. Convertible to permanent coverage prior to age 65 with no health requirements.

30-Year Term. A very sensible term product! Premiums are level for 30 years (guaranteed level for 20). Issued to ages 18 through 55.

It is excellent for mortgage cancellation as well as providing inexpensive coverage before retirement. Convertible to permanent coverage prior to age 65 with no health requirements.

Whole Life. A whole life product designed for both young and mature applicants that offers affordable premiums and builds cash value.

Final Expense. A whole life plan designed to help with your final expense needs whether you are in perfect health or even have health concerns (not guaranteed issue). Coverage is available on a modified, graded or level death benefit basis. The level death benefit has inflation protection available, to cover final expenses as they increase each year. Available from ages 40 to 80 with premiums payable for life or as a one-time single premium.

Annual Reviews Available To All Members

Thank you for your membership in SPJST. You are a valued part of what makes SPJST a great organization that provides benefits, coverage, and services.

These are all designed to not only provide security and peace of mind to you and your family, but to provide a better quality of life with others who value faith, family, and community.

As part of our continued and valued service to our members, SPJST has implemented a program to ensure that your certificate information, such as named beneficiary and insurance coverage, is correct and up-to-date.

By reviewing and knowing that your information is current, you can be assured that you are receiving the full value of your membership, and you have peace of mind that your

Paid Up at 65 Whole Life. You are covered to age 100, but you only pay premiums to age 65. Cash values are available and continue to grow to age 100. Enjoy your retirement without life insurance premiums!

10 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 10 years. Issued to ages 0 through 70.

20 Pay Life. A whole life product designed for both young and mature applicants with premiums payable for 20 years. Issued to ages 0 through 60.

Single Pay Whole Life. A whole life product available with just one premium. The certificate is then paid-up. Issued to ages 0 through 80.

Universal Life 3. A flexible protection plan issued to ages 0 through 80 which offers both a guaranteed and current interest rate on the cash value accumulation.

Annuities. Both qualified (IRA) and non-qualified are offered to SPJST members. Interest rates are posted every week in SPJST’s weekly newspaper, Vestnik. For current rates, contact the SPJST Home Office, refer to the Vestnik, or visit www.spjst.org.

In many cases, the insurance application process can be accomplished at your home in one meeting. At other times, it may take an additional visit since the sales agent may need to spend some time assessing the information you provide in the initial meeting before he or she can recommend the appropriate life insurance solution. For more information on the life insurance options available to you, please contact your local lodge sales agent. If you’re not sure who that is, call the SPJST Insurance Department at 800-727-7578, and you will be put in touch with a sales agent in your area. See pages 13 through 15 for a listing of agents.

—SPJST—

loved ones will receive the care they deserve.

Please take advantage of this service.

SPJST has the most competitive insurance products, annuities and IRAs to meet each family need along with being a fraternal society that recognizes its proud heritage and believes strongly in its youth by teaching patriotism, good citizenship, teamwork, and leadership. And, if you have recommendations for new lodge members, please share them with your Fraternal Field Manager or local SPJST lodge sales agent. Your name will be entered in SPJST’s monthly drawing.

How Often Should I Review My SPJST Certificate?

If you have a major life event, you should contact your SPJST agent or the SPJST Home Office. This event in your life may have a significant impact on your insurance needs. Life events or changes may include:

• Marriage • A child or grandchild who is born or adopted • Graduation from school or college • Significant changes in your health or that of your spouse • Death of your spouse • Divorce • Taking on the financial responsibility of an aging parent • Purchasing a new home • A loved one who requires long-term care • Refinancing your home • Coming into an inheritance

For 121 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism. All this is possible because of you, our member. If you have questions or need our assistance in any way from the Home Office, please call on us at 800-72-SPJST or 800-727-7578.

We are here to help you.

Should I buy life insurance through work or on my own?

This isn’t always an either/or question. The answer is often “both.”

Buying through work. Typically, your employer's "basic" life insurance benefit provides coverage equal to one or two times your annual income. Many employers offer the option of purchasing supplemental coverage, often through an automatic payroll deduction. This is convenient, and you may be able to obtain the extra coverage at a higher rate without having to answer any questions about your health, a big plus if insurability is a concern.

SPJST is here to help you with what you need.

Buying on your own. You can choose from among a wide variety of SPJST products, and you never need to worry about losing coverage if you change jobs.

You also may be able to get coverage more affordably. Why? When you buy on your own, the price depends on your health and can be permanent. In a work plan, the rate often depends on the health status of employees in your age bracket and is usually temporary or until retirement age.

Call us for more information 800-72SPJST. —SPJST—

2018 SPJST Life Insurance and Annuity Extra

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What you should know about buying life insurance

Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy.

Getting Started As you prepare to buy a life insurance policy, evaluate your ongoing and future financial needs. To begin, ask yourself some basic questions:

Why do I need to buy life insurance?

If someone depends on you financially, the likelihood is that you need life insurance. Life insurance provides cash to your family after you die. The money your beneficiary receives (the death benefit) can be an important financial resource. It can help cover daily living expenses, pay the mortgage and other outstanding loans, fund tuition, and ensure that your family is not burdened with debt. Having a life insurance policy could mean your spouse or children won’t have to sell assets to pay bills or taxes

(Note: Beneficiaries do not have to pay federal income taxes on the money they receive from a life insurance policy).

Stay-at-home parents also might consider life insurance to help cover the costs of services they routinely provide, such as caring for children and the home. Retirees living on limited income also may find peace of mind knowing that a surviving spouse will not be faced with a financial burden after their death.

How much life insurance do I need?

Everyone’s needs are different. An SPJST life insurance agent can help you determine what level of protection is right for you and your family based on your financial responsibilities, sources of income, and savings. There are online calculators that also can help you; however, sitting down with an insurance professional to review your financial information can give you a more personalized view of your needs.

In general, deciding how much life insurance you need means calculating the total income that would need to be replaced upon your death to help pay for your family’s financial needs. Consider ongoing expenses (day care, tuition, rent, or mortgage), immediate expenses (medical bills, burial costs, and estate taxes), and long term financial goals (savings for college education and retirement). Your family also may need money to pay for a move or to cover daily expenses during a job search.

While there is no substitute for evaluating needs based on your own financial information, some experts suggest that if you own a life insurance policy it should pay a benefit equal to seven to 10 times your annual income. Your needs could be higher or lower depending on your unique situation.

Source: American Council of Life Insurers, www.acli.com

How to purchase insurance: Choosing an agent

The agent should be able and willing to explain the different kinds of policies and other insurance-related matters.

Working With An Agent

What should an agent do for me?

The agent should be able and willing to explain the different types of policies and other insurance-related matters. You should feel satisfied that the agent is listening to you and looking for ways to find the right type of insurance at an affordable price. If you’re not comfortable with the agent, or you aren’t convinced he or she is providing the service you want, interview another agent.

What should I expect during my meeting with an agent?

An agent will begin by discussing your financial needs. You should have basic personal financial information available— along with a general idea of your goals—before you meet or talk with an agent. He or she will ask questions about your family income, other financial resources you might have, and any debts. The agent will be better able to assess your needs with the information you provide.

What types of questions will I be asked?

In addition to questions about finances, be prepared to answer questions about your age, medical condition, family medical history, personal habits, occupation, and recreational activities.

Always answer questions truthfully; a company will use this information to evaluate your risk and set a premium for your coverage. For instance, you’ll pay a lower premium if you don’t smoke; on the other hand, if you have a chronic illness, you can expect a higher premium.

When it’s time to submit a claim, the accurate and truthful answers you provided to the agent will enable your beneficiary to receive prompt and full payment.

When you apply for life insurance, you may be asked to take a medical exam. In many instances, a licensed healthcare professional hired and paid for by the life insurance company will make a personal visit to your home to conduct the exam.

—SPJST—

“Life insurance is a combination of caring, commitment, and common sense.”

—Author, Financial Speaker, and Life Insurance Sales Agent Howard Wight, CLU, ChFC For 121 years, SPJST has been a shining example in Texas of secure insurance plans and dedicated ideals of fraternalism.

Providing personal service backed by a seasoned and knowledgeable Home Office staff and insurance agents dedicated to quality member services with fraternal ideals.

Permanent Life Insurance Term Life Insurance and Annuities at affordable, competitive prices.

SPJST • PO Box 100 • Temple, Texas 76503 • Home Office at 520 North Main Street in Temple • 800-727-7578 • www.spjst.org

2018 SPJST Life Insurance and Annuity Extra

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plains items you don’t understand.

If your agent recommends a cash value policy, ask:

• Are the premiums within my budget?

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

Cash value insurance provides protection for your entire life. Cancelling a cash value policy after only a few years can be a costly way to get short-term insurance protection.

If you don’t plan to keep the policy for the

Product Overview

Product Overview

Product Overview

How to purchase insurance: Choosing a policy

How do I know if a life insurance policy is right for me?

Read the policy carefully to make sure it meets your personal goals. Because your policy is a legal document, it’s important that you understand exactly what it provides. Ask for a point-by-point explanation for anything that is unclear and make sure the agent ex-

SPJST 10-Year Term Product Overview

Benefit Description The 10-Year Term has level premiums and death benefit for 10 years. After the initial 10year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Amount: $25,000

Minimum Premium: $10 per month

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings not available for issue ages above 70. Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Issue Ages: 18 to 75 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered

by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Premiums The premium is guaranteed for the first 10 certificate years. After 10 years, if the certificate is still in force, premiums will increase annually.

SPJST 15-Year Term

Benefit Description The 15-Year Term has level premiums and death benefit for 15 years. After the initial 15year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Amount: $25,000

Minimum Premium: $10 per month

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications: • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

SPJST 20-Year Term

Benefit Description The 20-Year Term has level premiums and death benefit for 20 years. After the initial 20year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Benefit Description The 30-Year Term has level premiums and death benefit for 30 years. After the initial 30year term period, the certificate will automatically renew on an annual basis for a one-year term expiring at age 95. It may also be converted prior to age 65 to permanent life insurance (no term).

Minimum Premium: $10 per month

Minimum Premium: $10 per month

Minimum Amount: $100,000

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered

by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered

by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Issue Ages: 18 to 70 years

Issue Ages: 18 to 65 years

Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 15 years, if the certificate is still in force, premiums will increase annually.

Premium Benefit Options 10-Year Guarantee - The premium is guaranteed for the first 10 certificate years. The premium may change after the 10th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 20 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Riders Accidental Death Benefit - Issue ages 18 to 59 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

15-Year Guarantee - The premium is guaranteed for the first 15 certificate years. After 15 years, if the certificate is still in force, premiums will increase annually.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

SPJST 30-Year Term

20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. After 20 years, if the certificate is still in force, premiums will increase annually.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Minimum Amount: $100,000

Maximum Amount $4,000,000 on a regular basis. Applications exceeding this amount will be considered on a case-by-case basis.

Underwriting Classifications • Preferred Plus Non-Nicotine* • Preferred Non-Nicotine* • Standard Non-Nicotine • Preferred Nicotine* • Standard Nicotine

*Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

Issue Ages: 18 to 55 years

Conversion Option Prior to age 65, the certificate may be converted without proof of insurability to any form of life insurance (other than term) then being offered

by SPJST provided that the amount of insurance applied for does not exceed the amount in force prior to conversion.

Premium Benefit Options 20-Year Guarantee - The premium is guaranteed for the first 20 certificate years. The premium may change after the 20th certificate year but can never exceed the guaranteed maximum premium for the then attained age. After 30 years, if the certificate is still in force, premiums will increase annually.

30-Year Guarantee - The premium is guaranteed for the first 30 certificate years. After 30 years, if the certificate is still in force, premiums will increase annually.

Riders Accidental Death Benefit - Issue ages 18 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 18 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

long-term, consider another kind of coverage such as term insurance.

If you’re considering a term policy, ask:

• How long can I keep this policy? If I want to renew it for a specific number of years, or until a certain age, what are the renewal terms?

• Will my premiums increase? If so, will increases start annually or after five or 10 years?

• Can I convert to a cash value policy?

Will I need a medical exam if and when I convert?

• If it has a return of premium benefit, ask: What would the policy cost without this benefit? Will all of the premiums be refunded?

Is a policy illustration a legal document, like a contract?

A policy illustration is not part of the life insurance policy and is not a legal document.

SPJST Whole Life Product Overview

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings not available for issue ages above 70 or under 18.

Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine

• Standard Nicotine

Issue Ages: 0 to 80 years

Riders: Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

2018 SPJST Life Insurance and Annuity Extra

Legal obligations are spelled out in the policy contract. A policy illustration, however, can help you understand how a policy works.

What is in a policy illustration?

A policy illustration is meant to provide an example, based on certain assumptions, of how a policy’s costs and benefits may develop over time—including, but not limited to, premium amounts owed, cash values, and death benefits. For a term policy, the illustration extends to the end of the term. With a cash value policy, the illustration extends past your 100th birthday. Your actual costs and benefits could be higher or lower than those in the illustration because they depend on the future financial results of the insurance company.

However, when figures are guaranteed, the insurance company will honor them regardless of its financial success. Ask your agent which figures are guaranteed and which are not. A policy illustration can be complicated. Your agent or financial advisor

SPJST Paid Up at 65 Whole Life Product Overview

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable to age 65.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine • Standard Nicotine

Issue Ages: 0 to 55 years

Riders Accidental Death Benefit - Issue ages 0 to 55 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Guaranteed Insurability - Issue ages 0 to 37 years; terminates age 40.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

can explain information you don’t understand.

What should I look for in a policy illustration?

Study the policy illustration to answer the following:

• Is my classification (i.e., smoker/nonsmoker, male/female) correct?

• When are premiums due—monthly, annually, or according to some other schedule?

• Which amounts are guaranteed and which are not?

• Does the policy have a guaranteed death benefit or could the death benefit change depending on interest rates or other factors?

• Does the policy offer dividends or interest credits that could increase my cash value and death benefit or reduce my premium?

• Will my premiums always be the same?

Could premiums increase if future interest rates or investment returns are lower than the

SPJST Single Pay Whole Life Product Overview

Benefit Description • Fully paid-up life insurance certificate with just one premium payment.

• One of the lowest guaranteed premiums available today on permanent life insurance.

• Guaranteed cash and loan values are immediately available.

• Fully underwritten product, consistent with company underwriting guidelines.

• The SPJST Single Pay Whole Life plan retains those tax-favored features that have always made traditional life insurance so valuable.

• Your cash values increase on a tax-deferred basis.

• The face amount of a certificate is payable to your beneficiary income tax-free.

• Among others, the SPJST Single Pay Whole Life plan will be of special interest to new members who want to pay only one insurance premium; parents and grandparents; members who want to buy additional permanent insurance at low premium rates; anyone wishing to make a gift of life insurance to a college, church, charitable organization, or to an individual.

Minimum Amount: $5,000

Underwriting Classifications Fully underwritten product, consistent with company underwriting guidelines.

Issue Ages: 0 to 80 years

Riders: Accidental Death Benefit

7

illustration assumes?

• If the illustration shows that I won’t have to make premium payments after a certain period of time, is there any chance I would have to start making payments again at any time in the future?

After Purchase After purchasing your life insurance policy, keep it with other financial records or legal papers, or anywhere your survivors are likely to look for it if they need to file a claim.

As a precaution, you shouldn’t store a life insurance policy in a safe deposit box. In most states, boxes are sealed temporarily upon one’s death, this could delay the claims process.

Keep your agent’s name and contact information easily accessible. The agent can help your beneficiaries fill out the necessary forms and act as an intermediary with the insurance company.

Review your life insurance policy from time to time to be certain it continues to meet your needs as your circumstances change, such as the birth of a child, a job promotion, divorce, remarriage or retirement. Also, review it to ensure your beneficiaries are correctly named.

—SPJST—

SPJST Final Expense

Level Benefit and Increasing Benefit Product Overview

Benefit Description • Level death benefit whole life certificate to age 100 with either: a) level lifetime payments, or b) a single premium payment.

• Increasing Benefit Option (lifetime pay only)—4% compounded increase beginning in Year 2; maximum of two times original face amount.

Minimum Amount: $5,000

Maximum Amount: $25,000 in force per person

Issue Ages: Lifetime Pay—40 to 80 years Single Pay— • 40 to 80 years..Male/Female - Non-Nicotine • 40 to 80 years..Female - Nicotine • 40 to 75 years..Male - Nicotine Riders Accidental Death Benefit (lifetime pay only) Waiver of Premium (lifetime pay only)

Underwriting • Simplified underwriting with three-tiered Final Expense application.

• Telephone interview required.

• Level Benefit Plan may be issued if no health issues in parts B, C, or D of application.

8

SPJST 10 Pay Whole Life

Product Overview

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable for 10 years.

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine

• Standard Nicotine

2018 SPJST Life Insurance and Annuity Extra

SPJST 20 Pay Whole Life

SPJST Universal Life 3

Benefit Description • Level death benefit.

• Level premium permanent life insurance to age 100.

• Premiums payable for 20 years.

Benefit Description Flexible premium adjustable universal life insurance contract with guaranteed coverage for five years, subject to the payment of minimum nolapse premiums on a cumulative basis. Contains two volume bands:

Product Overview

Minimum Amount $10,000 with exceptions shown below and $10 monthly premium minimum.

Underwriting Classifications: • Preferred Non-Nicotine - Preferred ratings are available only for medically underwritten certificates with face amounts of $100,000 or greater ($150,000 or greater for ages 18 to 35 years).

• Standard Non-Nicotine

• Standard Nicotine

Issue Ages: 0 to 70 years

Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

Issue Ages: 0 to 60 years

Riders Accidental Death Benefit - Issue ages 0 to 60 years; pays an additional death benefit up to the amount originally issued if death occurs prior to the insured’s attained age 65 or one-half of this benefit if such death occurs on or after the insured’s attained age 65, but prior to the insured’s attained age 70. Maximum coverage is $300,000.

Waiver of Premium - Issue ages 16 to 55 years; waives premiums due under the certificate for period of disability if insured is totally disabled prior to age 60.

Payor Waiver of Premium - Issue ages 0 to 15 years; payor ages 20 to 55 years; terminates age 21.

$ . $ . $

In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term “annuity” relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.

There are many categories of annuities.

They can be classified by: • Nature of the underlying investment – fixed or variable

• Primary purpose – accumulation or payout (deferred or immediate)

• Nature of pay-out commitment – fixed period, fixed amount, or lifetime

• Tax status – qualified or nonqualified

• Premium payment arrangement – single premium or flexible premium. An annuity

Product Overview

Low Band: $25,000 minimum face amount $99,999 maximum face amount

High Band: $100,000 minimum face amount ($150,000 for preferred non-nicotine issue ages 35 and under)

Underwriting Classifications • Preferred Non-Nicotine • Standard Non-Nicotine • Standard Nicotine

Death Benefit Options Option A — Level Death Benefit Option B — Increasing Death Benefit. Death benefit includes cash value

Minimum Premium: $15 per month

Issue Ages: 0 to 80 years 18 to 70 years for Preferred class

Maturity Age: 95 (matures for cash value)

Modal Premiums: Monthly Bank Draft, Quarterly, Semi-Annual, Annual

Target Premiums The target premium is the recommended level annual premium. It may be sufficient to keep the certificate in force to age 95. It is not guaranteed.

What i s an An n u ity?

can be classified in several of these categories at once. For example, you might buy a nonqualified single premium deferred variable annuity.

In general, annuities have the following attractive features:

Tax deferral on investment earnings Many investments are taxed year by year, but the investment earnings—capital gains and investment income—in annuities aren’t taxable until you withdraw money.

This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity. Moreover, the minimum withdrawal requirements for annuities are much more liberal than they are for 401(k)s and IRAs. Protection from creditors If you own an immediate annuity (that

Minimum Premiums During the no-lapse period, the certificate is guaranteed not to lapse if at least the minimum no-lapse premium is paid and remains in the certificate. If only the minimum premium is paid, the certificate is only guaranteed to stay in force for 5 years.

No-Lapse Period: 5 years

Surrender Charges For issue ages 0 to 76, a surrender charge applies during the first 18 certificate years and is zero thereafter. For issue ages 77 and above, a surrender charge applies during the first 14 certificate years. Surrender charges are an amount per $1,000 of specified amount which varies by issue age, gender, underwriting classification, and certificate year.

Guaranteed Interest Rate: 2.50%

Riders Accidental Death Benefit - Issue ages 0 to 59 years; full benefit payable in event of accident prior to age 70. This benefit terminates at the certificate’s anniversary date following the insured’s 70th birthday.

Waiver of Monthly Deduction - Issue ages 18 to 55 years; pays monthly cost of insurance and riders plus administrative costs for period of disability if insured is totally disabled prior to age 60.

Guaranteed Insurability - Issue ages 0 to 37; sold in amounts of $5,000, $10,000, $15,000, or $25,000. Depending on amount purchased, allows insured to purchase additional insurance at election dates at ages 25, 28, 31, 34, 37, and 40 without proof of insurability. Rider terminates at age 40.

Interest Rate Through 04/30/2018 Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.00%

$ . $ . $

is, you are receiving money from an insurance company), generally the most that creditors can access is the payments as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities. And your money in tax-favored retirement plans, such as IRAs and 401(k)s, are generally protected, whether invested in an annuity or not.

An array of investment options, including “floors” Many annuity companies offer a variety of investment options. You can invest in a fixed annuity which would credit a specified interest rate, similar to a bank Certificate of Deposit (CD). If you buy a variable annuity, your money can be invested in stock or bond (or other) mutual funds. In recent years, annuity companies have created

various types of “floors” that limit the extent of investment decline from an increasing reference point. For example, the annuity may offer a feature that guarantees your investment will never fall below its value on its most recent policy anniversary.

Tax-free transfers among investment options In contrast to mutual funds and other investments made with “after-tax money,” with annuities there are no tax consequences if you change how your funds are invested. This can be particularly valuable if you are using a strategy called “rebalancing,” which is recommended by many financial advisors. Under rebalancing, you shift your investments periodically to return them to the proportions that you determine represent the risk/return combination most appropriate for your situation.

Volume 106 Number 12

ˇ ´ VESTNIK S P J S T Benevolence

H E R A L D

★ Humanity ISSN —07458800

★ Brotherhood

March 28, 2018

Lodge 30, Taiton member attends Rosie the Riveter statue unveiling

By Aimee Breaux The Eagle, Bryan, Texas theeagle.com December 8, 2017 Reprinted with permission

With swing dancers and “real Rosies” in attendance, the Brazos Valley Veterans Memorial organizers unveiled its first statue depicting a woman on Thursday, December 7, 2017 - 76 years after Pearl Harbor was attacked, launching the U.S. into World War II. The statue of Rosie the Riveter, the character used in U.S. efforts to get women into the industrial labor force during World War II, is the latest along the pathway at the Veteran’s Park in College Station. The park commemorates veterans of U.S. military engagements with life-sized statues.

The latest statue, designed by J. Payne Lara, who has designed and sculpted all the statues along the pathway, is meant to mark the contribution of the millions of women who joined the workforce in World War II and contributed to the war effort in factories.

In the audience were five women who did just that, including Ruth McGill who celebrated her 97th birthday on December 7. Dubbed a “real Rosie” by BVVM President Randolph House, McGill, who worked at the Bryan Air Force Base as a riveter, turned 21 on the day Pearl Harbor was attacked.

The ceremony, however, quickly drifted into an appreciation of women’s

Iron Woman

Lodge 30, Taiton member Regina Kaspar poses beside the Rosie the Riveter statue at Veterans Park and Athletic Complex following the dedication ceremony for the memorial. Sister Kaspar, one of the original “Rosies” in attendance, worked at a Maryland bomb factory as a detonator inspector in 1942 at age 17.

She took the job along with her sister, who both grew up in rural Pennsylvania east of Pittsburgh.

roles in every U.S. conflict and war.

“She’s the first female in the park,” House said. “But we don’t plan on her being alone.”

So long as the park can get the funding, the public should expect subsequent statues of nurses and Women Air Force Service Pilots.

Before keynote speaker Lynn Young took the stage, the Brazos Valley World War II Homefront Musicians performed music from the period, including “Boogie Woogie Bugle Boy,” “Rosie the Riveter,” and “I’ll Be Seeing You.” The group closed out the ceremony with “God Bless America.”

Young, in her keynote speech, detailed the list of contributions women have made and continue to make in the military extends beyond these roles.

“American women have always held important roles in our American history,” she said.

Young serves as the honorary president general of the Daughters of the American Revolution National Society. The statue, she said, represents the millions of women who helped America’s cause in World War II and the dedication of the local Daughters of the Revolution chapters who funded the statue in the park.

Continued on Page 3.

N N N N N N N N Inside This Week’s Věstník N N N N N N N N

Important Dates ...................................3 Readers Write ......................................3 Camp Kubena Workday ......................3 Interest Rates ......................................3 District News........................................4 State Tournament Information ...........6

Lodge Section......................................6 In Memoriam ......................................10 Youth Section ....................................11 Czech Culture ....................................12 Advertisements .................................13 Lodge Calendar .................................14

SPJST Home Office St. Patrick’s Day lunch fun

Page 6

Page 11

Lodge 81 Needville Youth Club assists with fundraiser

Page 12

Czech Easter recipe

2

ˇ ´ VESTNIK

Wednesday, March 28, 2018

Editor’s Note

SPJST HERALD

SPJST HOME OFFICE PO Box 100 • Temple, Texas 76503 800-727-7578 • 254-773-1575 Fax: 254-774-7447 www.spjst.org

VĚSTNÍK EDITOR/ DIRECTOR OF COMMUNICATION MELANIE ZAVODNY, FIC Office: 254-773-1575 • Mobile: 254-534-0807 VĚSTNÍK Fax: 254-773-8087 email: vestnik@spjst.org or melaniez@usa.com SUPREME LODGE PRESIDENT BRIAN VANICEK, FIC Office: 254-773-1575 • Mobile: 254-534-2902 email: vanicek@spjst.com

VICE PRESIDENT HIRAM DIXON, FICF, LUTCF, CFFM Office: 254-773-1575 • Mobile: 254-231-7722 email: hiramd@spjst.com CHIEF FINANCIAL OFFICER LEONARD D. MIKESKA, FIC Office: 254-773-1575 Mobile: 254-721-4739 • Home: 254-778-3720 email: leonardm@spjst.com

DIRECTOR OF ACCOUNTING/INFORMATION TECHNOLOGY SERVICES ROY VAJDAK Office: 254-773-1575 • email: royv@spjst.com DISTRICT ONE DIRECTOR/CHAIRMAN DONNIE VICTORICK, FIC, CFFM PO Box 85, Snook, Texas 77878-0085 Home: 979-272-3265 • Mobile: 979-224-3125 email: dv.aggie71@gmail.com

DISTRICT TWO DIRECTOR JESSE POSPISIL 4710 FM 1331, Taylor, Texas 76574-2164 Home: 512-365-1110 • Mobile: 512-826-7371 email: jlpospisil@yahoo.com

DISTRICT THREE DIRECTOR JOHN ENGELKE 6475 Gholson Road, Waco, Texas 76705-5330 254-799-4247 • email: john.engelke@hotmail.com

DISTRICT FOUR DIRECTOR BILLY ROLLWITZ, FIC, CFFM PO Box 195, Rowena, Texas 76875-0195 Home: 325-442-3141 • Mobile: 325-277-5362 Office: 325-442-3038 • email: brollwitz@gmail.com DISTRICT FIVE DIRECTOR BRADLEY STAVINOHA, FIC 10522 Will Lehman Road, Needville, Texas 77461 Mobile: 979-739-2386 • Office: 979-793-7411 email: spjst@earthlink.net

DISTRICT SIX DIRECTOR KAREN KASPAR, FIC, CFFM 8550 N. State Highway 71, El Campo, Texas 77437-9819 Home: 979-543-2532 • Mobile: 979-332-1616 email: k-kaspar@hotmail.com DISTRICT SEVEN DIRECTOR BOB J. BAYER, FIC 4188 FM 1303, Floresville, Texas 78114-6092 Mobile: 830-391-3375 OPERATIONS MANAGER/ MARKETING MANAGER RICHARD A. HRBACEK 254-773-1575 • richardh@spjst.com

FRATERNAL FIELD MANAGERS DISTRICTS ONE/TWO/THREE Philip (Phil) McBee, FICF, CFFM Mobile: 325-647-1949 • Fax: 325-784-7448 email: mcbeephilip@gmail.com DISTRICTS FOUR/SEVEN - Bobby Davis, FICF, CFFM Mobile: 325-450-3748 • Fax: 325-657-2003 email: bgdsr2428@aol.com DISTRICTS FIVE/SIX - Delisle Doherty Mobile: 832-232-2049 email: delisled@spjst.com

CAMP KUBENA • 2001 Waldeck Rd • Ledbetter, TX Jeb Lapeyrolerie, Executive Director

979-249-5674 • jebL@spjst.com

HUMAN RESOURCES LYNETTE TALASEK 254-773-1575 • email: lynettet@spjst.com

STATE FRATERNAL DIRECTOR FRANK HORAK Office: 254-773-1575 • Mobile: 254-534-0681 email: frankh@spjst.com

DISTRICT YOUTH COUNSELORS District One - Sharon Russell, 1292 CR 441, Dime Box, Texas 77853 • 979-884-0807 - sharon_russell28@ yahoo.com District Two - Patsy Koslovsky, 764 S. St. Joseph Road, Burlington, Texas 76519-3108 - 254-985-2396 - patsyk2011@yahoo.com District Three - Kay Weeks, 4203 Treehaven Ct, Arlington, Texas 76016 • 817-896-5277 - kgweeks@att.net District Four - Pam Lehmann, PO Box 637, Tahoka, Texas 79373-0637 - 806-561-5105 - plehmann@poka.com District Five - Barbara Linney-Gonzales - 6043 Pineway Blvd., Houston, Texas 77023-6510 713-649-6138 district5dyc@aol.com District Six - Lisa Bubela, 1405 Divide Street, El Campo, Texas 77437 - 979-543-7120 - lisa_bubela@yahoo.com District Seven - Lian Pruski, 418 West Hunt Street - Pleasanton, Texas 78064 - 830-480-2737 - lianpruski@gmail.com BY-LAW COMMITTEE District One - Richard Ford, 2392 CR 424, Dime Box, Texas 77853 - 979-884-1451 - dimebox5@aol.com District Two - Ronnie Rieger, 350 Rieger Road, Coupland, Texas 78615 - 512-365-2000 - 512-848-2416/cell - RonnieR1056@yahoo.com District Three - Kay Lynn Kovar, 3303 West Lake Bardwell Drive, Ennis, Texas 75119 - 972-875-6827 District Four - Beverly J. Teplicek, 817 FM 381, Rowena, Texas 76875 - 325-442-4841 - bjtep@verizon.net District Five - Dorothy Pflughaupt, 1243 Clovis Road, Houston, Texas 77008 - 713-859-8976 - dotpflugh@yahoo.com District Six - Joe Siptak, 2312 Norvell, Bay City, Texas 77414 - 979-244-4415; 979-479-0056 cell District Seven - Oscar Korus, 2565 Bruce Road, Poteet, Texas 78065 - 830-391-4169 - oscarkorus@gmail.com

FINANCE COMMITTEE District One - Thomas Cannon, PO Box 372, Caldwell, Texas 77836 - 979-567-4264 - jtcannon60@hotmail.com District Two - Edwin Pechal, 10660 State Highway 53, Temple, Texas 76501 - 254-985-2282 - Edwin_Pechal@yahoo.com District Three - Michael Galler, 526 Karen, Waco, Texas 76706 - 254-744-8973 - mlgaller54@gmail.com District Four - Herman D. Weise, 6006 FM Highway 765, San Angelo, Texas 76905 - 325-651-8550 - hdweise@zipnet.us District Five - Marceil Malak, 7444 Meiners Road, Ledbetter, Texas 78946-5118 - 979-249-5940 - marceil@cvctx.com District Six - Glenn Kaminsky, 902 River Oaks Court, East Bernard, Texas 77435 - 979-335-4461 - gkamink@live.com District Seven - James House, 146 Deer Run, Pleasanton, Texas 78064 830-570-7750 james.houseconstruction146@gmail.com

INSURANCE COMMITTEE District One - Susan Skrabanek, 2657 FM 166, Caldwell, Texas 77836 - 979-272-3440 District Two - Patsy Koslovsky, 764 S. St. Joseph Road, Burlington, Texas 76519-3108 - 254-985-2396 - patsyk2011@yahoo.com District Three - Robert Sill, 400 Westview Terrace, Arlington, Texas 76013 District Four - Leonard Jansa, 6617 Plainview Drive, San Angelo, Texas 76905 - 325-234-8117 District Five - Mark Childres, 14011 Laskey Manor Court, Cypress, Texas 77429 - 832-496-6646 - mark@childresinsurancegroup.com District Six - Elizabeth Holub, 4624 Freyburg Hall Road, Schulenburg, Texas 78956 - 979-561-8640 District Seven - Wendy Pruski, 3895 CR 430, Pleasanton, Texas 78064 - 210-535-4916

PUBLICATION COMMITTEE District One - Floyd Kostelka, 1914 CR 403, Dime Box, Texas 77853 - 979-540-8531 District Two - Tammy Cannon, 305 Bluehaw Drive, Georgetown, Texas 78628-6367 512-948-5339 tcannon4715@yahoo.com District Three - Lynda Novak, 7153 Cornelia Ln, Dallas, Texas 75214 - 972-948-4456 District Four - Sharon Hohmann, 222 Crestwood Drive, San Angelo, Texas 76903 - 325-651-5884 District Five - Vonda Smesny, 2607 Wolcik Road, Crosby, Texas 77532 - 832-694-8762 District Six - Helen Kelner, 911 Avenue K, Rosenberg, Texas 77471 - 281-342-2624 District Seven - Jarolyn Popp, 447 Shady Hollow, New Braunfels, Texas 78132 - 830-964-5135

VĚSTNÍK

Veselé Velikonoce Happy Easter!

H

appy Easter, dear Vestnik readers! Wishing you a blessed and joyous day. Special thanks to David Knape for sharing this beautiful poem.

Easter by d.knape the promise of sunrise the gladness of hope the lifting of stones the joy of rebirth the experience of miracles the gathering of friends the vision of angels the wonder of new life the sins forgiven the burdens lifted the conquering of death the resurrection amen.

SPJST Insurance and Annuity Extra This week’s Věstník is tucked inside the SPJST Insurance and Annuity Extra which features excellent information about SPJST’s products. Please take a moment to read this valuable section.

Věstník Dates and Deadlines April 4 Věstník *** Early Deadline Alert *** Tues., March 27 at 12 noon (due to Good Friday holiday)

April 11 Věstník deadline is Wed., April 4 at 12 noon

April 18 Věstník deadline is Wed., April 11 at 12 noon

April 25 Věstník deadline is Wed., April 18 at 12 noon May 2 Věstník deadline is Wed., April 25 at 12 noon —SPJST—

Want to receive your Věstník on Tuesdays?

VESTNIK

Subscribe to receive the Věstník by email.

Visit www.spjst.org to sign up for an email subscription.

VĚSTNÍK, (USPS 658480) is published weekly except as announced in advance

by VĚSTNÍK, P.O. Box 100, Temple, TX 76503-0100. Subscription rates are $25 per year for non-members. Members’ fees are paid as part of the insurance fee collected by SPJST, 520 North Main, Temple, TX 76501. Second-class postage paid at Temple, TX and additional mailing offices. The exchange of opinions, ideas and information is a vital aspect of our fraternal Society and enables us to make more informed decisions. The views expressed by writers in the Věstník do not necessarily represent the views of the Editor or SPJST management.

Please sign all correspondence intended for publication. POSTMASTER: Send address changes to VĚSTNÍK c/o Director of Accounting/ITS Roy Vajdak, P.O. Box 100, Temple, TX 76503-0100.

Wednesday, March 28, 2018

VĚSTNÍK

4 March 30 April 7

April 7

April 7 April 8 April 8 April 8 April 8

April 8

April 8 April 14

April 14

April 14 April 15 April 15

April 15 April 21 April 22 April 22

April 28

April 29 May 5 May 5 May 6

Important Dates

4

Number in ( ) denotes district location.

SPJST Home Office Closed • Good Friday Holiday SPJST State Regular 42 Domino Tournament SPJST Home Office, Temple (2) SPJST Float • Smithville Jamboree Parade hosted by Lodge 38, Kovar (1) Camp Kubena Volunteer Work Day • Ledbetter (1) Camp Chaperone Training • Camp Kubena, Ledbetter (1) Camp Chaperone Training • Lodge 183, Arlington (3) District One Spring Meeting • Lodge 9, Snook (1) District Five Spring Meeting Czech Center Museum Houston (5) District Seven Spring Meeting Jourdanton Community Library (7) Lodge 25, Ennis Youth Club “After-Easter Egg Hunt” (3) SPJST Float • Needville Youth Fair Parade hosted by Lodge 81, Needville (5) Camp Chaperone Training SPJST Home Office, Temple (2) Camp Chaperone Training • Lodge 107, Floresville (7) Camp Chaperone Training • Camp Kubena, Ledbetter (1) District Six Spring Meeting St. Mary’s Parish Hall, Hallettsville (6) Lodge 107, Floresville Member Banquet (7) Lodge 25, Ennis Rummage Sale (3) Camp Chaperone Training • Camp Kubena, Ledbetter (1) District Three Spring Meeting Lodge 154, Fort Worth (3) Camp Chaperone Training SPJST Home Office, Temple (2) Camp Chaperone Training • Lodge 88, Houston (5) Join Hands Day SPJST Car Show and Czech Heritage Celebration Lodge 47, Seaton Star Hall (2) Lodge 30, Taiton Appreciation Banquet (6)

Camp Kubena Volunteer Work Day Saturday, April 7

8 a.m. till ?

You may come in on Friday, April 6 and spend the night at Camp Kubena.

Saturday’s breakfast and lunch will be provided.

Please RSVP to jeb@campkubena.com

3

Readers Write

Reader shares great news for Czechs National Kolache Day

When I was in grade school, it got to a point that I wanted to bring kolaches for a snack as nobody other than Czech or Polish kids knew what they were so I was always explaining.

Now there is a kolache shop everywhere you look. If you are driving through small towns in Texas and see a

Rosie the Riveter

Continued from Page 1.

The influence of women in the military was evident in the American Revolution, she says, when women served in a variety of roles, from making clothes for troops to spying to disguising themselves as men to join in combat.

In the Civil War, she points to Clara Barton, the nurse who led to the founding of the American Red Cross and to Dr. Mary Walker, the only woman to earn the medal of honor. Unable to find work as a woman, Walker, a trained surgeon, volunteered to help on the front.

“Some years later, congress determined that the medal of honor could only given to those in combat, so they wrote and asked her to return the metal,” she said. “She refused and wore it every day until her death.”

Rattling off examples, Young said in World War II, 16 U.S. servicewomen on the front line were killed by gunfire, 68

shop, you can be pretty sure you can get authentic kolaches which use sweet dough and - on the sausage version, real pieces of classic sausage instead of little smokies.

And, Houston Mayor Turner named March 1 as National Kolache Day http://www.nationalkolacheday.com/ Užijte si kolache dnes, Donald Polasek Lodge 88, Houston —SPJST—

were captured as POW, and more than 1,600 nurses were decorated for their service.

“At home, women supported the cause as they labored in factories; they built and tested airplanes; they saved ration coupons, worked the farms and kept families together,” she said, adding that by 1944, 20 million Rosies entered the workforce.

She said Virginia Hall, and American spy who reported enemy movements in France while posed as a milkmaid, was described as one of the most wanted and dangerous spies at the time.

“Women who stepped up were measured as citizens of the nation, not as women,” she said. “This was a people’s war.”

Getting directly to her point, Young recounted a comment that was once made to her — that “any man who wore a uniform was a hero.”

“May I rephrase that?” she said. “In my mind, any man or woman who wore the uniform or served the cause is a hero to me.”

—SPJST—

Camp Kubena • 2001 Waldeck Rd • Ledbetter, TX 78946

SPJST INTEREST RATES . . . 02/01/2018 - 04/30/2018

SPJST Commercial Property Information Call the SPJST Home Office 800-727-7578 for information.

Commercial Property Loans for 1 to 10 Years and 11 to 15 Years

Universal Life Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.00%

Whole Life/ Universal Life 3 (plans 1223-1232 with a guaranteed rate of 2.50%) Credited Rate: 3.50%

Annuities Annuity 5 (plans 8032-8039 with a 1.50% guaranteed rate) Credited Rate: 3.00%

Annuity New 5 Year (plans 8040-8041 with a 1.50% guaranteed rate) Credited Rate: 3.00%

Regina Kaspar is pictured with the Rosie the Riveter statue in College Station that was dedicated to honor her and all other “Rosies” during World War II. Family members also attended the special ceremony. Front, left to right, are Karen Kaspar, Regina Kaspar, Lenice Kaspar, and Evelyn Premeaux. BACK: Leroy Kaspar, Michele Premeaux-Johnson, Robert Premeaux, Jr., (behind Rosie statue, barely visible is Paula Kaspar), Sandra McDonald, and Kenneth Kaspar.

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Wednesday, March 28, 2018

District News

District One Sunday, April 8 • Lodge 9, Snook

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District Three Sunday, April 22 Lodge 154, Fort Worth - Sokol Hall

District Four Saturday, April 7 • Luby’s Cafeteria 1801 9th Street • Wichita Falls hosted by Lodge 76, Wichita Falls

District Five Sunday, April 8 Czech Center Museum Houston hosted by Lodge 232, Houston Midtown District Six Sunday, April 15 St. Mary’s Parish Hall in Hallettsville hosted by Lodges 4, Hallettsville and 63, Sweet Home District Seven Sunday, April 8 Jourdanton Community Library hosted by Lodge 202, Jourdanton

2018 SPJST District Meetings

2018 SPJST District Meetings

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District One Spring Meeting Sunday, April 8 at Lodge 9, Snook

SPJST District One Spring Meeting will be held Sunday, April 8, 2018, at the Lodge 9, Snook Hall, 457 CR 269W. Lodge 9, Snook will host the meeting.

Meal To Be Served at 1 p.m.

A meal, provided by Lodge 9, will be served at 1 p.m. Please note that the meal will be served before the meeting this year. Spring meeting registration will then begin at 1:30 p.m.

This year during the meeting, we will have an awards presentation for the lodges that met all the goals for last year.

It is also the time for election of District One officers and directors of the 501(c)(3) organizations.

Youth members are encouraged to participate in a decorated rock contest.

Contest rules can be found in the youth handbook which is online at spjst.org.

We hope to have a large turnout, and we look forward to seeing you at Lodge 9, Snook on Sunday, April 8 at 1 p.m.!

Fraternally, Randy Gaas District One President —SPJST—

District Five Spring Meeting Sunday, April 8 at Czech Center Museum Houston

Attention, District Five Lodges and Members: The District Five Spring Meeting is Sunday, April 8, 2018, at Czech Center Museum Houston, located at 4920 San Jacinto Street in Houston, Texas. The meeting will be hosted by Lodge 232, Houston Midtown. A buffet luncheon will be served for a freewill donation with proceeds benefitting the SPJST Foundation. See agenda on this page.

District Five youth will participate in

a decorated rock contest.

We are requesting each lodge of the district to provide door prizes. Also, ladies who wish to donate desserts please do so.

We hope to see you on Sunday, April 8!

Fraternally, Mary Ann Kieschnick District Five Secretary —SPJST—

VĚSTNÍK

District Five Spring Meeting Agenda

Sunday, April 8, 2018 • Czech Center Museum Houston (2nd Floor) 4920 San Jacinto Street • Houston, Texas Hosted by Lodge 232, Houston Midtown Registration - 11 a.m. to 1 p.m.

Youth - Decorated Rock Contest Registration - 10:30 to 11:30 a.m.

See SPJST Youth Club Handbook for contest information.

Lunch - Buffet served 12 to 1 p.m.

Serving: 11 a.m. to 1 p.m.

Goodwill donation will go to the SPJST Foundation.

1 p.m.

Call Meeting to Order.......................................................................Ashley Victorick Pledge of Allegiance .....................................................................District Five Youth Welcome by Lodge 232, Houston Midtown..........................................Clay Zapalac Roll Call of Officers.................................................................Mary Ann Kieschnick Roll Call of Lodges ..................................................................Mary Ann Kieschnick Recognition of Special Guests.................................................................Janice Jahns Reading of Minutes..................................................................Mary Ann Kieschnick Treasurer’s Report ...........................................................................Lorenda Baldwin FAC Report..................................................................................................Don Fruin Memorial Service ........................................................................................Don Fruin Youth excused for District Youth Club Election of Officers and Meeting.........................................................Third Floor Supreme Lodge Report ...............................Director of Accounting/ITS Roy Vajdak District Director’s Report ..............................................................Bradley Stavinoha Special Presentations 2017 Lodge Fraternalists of the Year Lodge Lifetime Achiever Awards 50- and 75-Year Members Sales Agents’ Incentive Awards Fraternal Field Manager’s Report......................................................Delisle Doherty District Youth Counselor’s Report.....................................Barbara Linney-Gonzales Standing Committee Reports By-Law Committee.................................................................Dorothy Pflughaupt Finance Committee .........................................................................Marceil Malak Insurance Committee.......................................................................Mark Childres Publication Committee....................................................................Vonda Smesny Old Business New Business Audit Committee Report Recess for 501(c)(3) Directors’ Reports ..........................................Ashley Victorick SPJST Education and Nature Center (Camp Kubena)...............Keith Kieschnick Czech Heritage Museum..................................................................Patricia Bruce S.P.J.S.T. Senior Living Centers......................................................Lonnie Lostak Reconvene Meeting..........................................................................Ashley Victorick Election of District Officers for 2018-2019 Announcement of District Youth Club Officers...................District Youth President Announcement of Youth Decorated Rock Contest Winners.............................................................Barbara Linney-Gonzales Selection of Place/Time/Dates for 2019 Spring Meeting and Fall Fun Day General Announcements Installation of District and Youth Officers.....................................Bradley Stavinoha Adjournment —SPJST—

Wednesday, March 28, 2018

VĚSTNÍK

District Six Spring Meeting Sunday, April 15 at St. Mary’s in Hallettsville

Dear Members, The District Six Spring Meeting will be Sunday, April 15, 2018, at St. Mary’s Parish Hall, 1648 FM 340 in Hallettsville, Texas 77964. Lodges 4, Hallettsville and 63, Sweet Home will co-host the meeting. Registration will begin at 11 a.m. A catered meal will be served at 12 noon followed by the business meeting.

All lodges are asked to bring one door prize and two desserts. Desserts and refreshments will be served throughout the day.

All District Six members and sales agents along with their family and guests are encouraged to attend. There will be door prizes and delicious food.

Members, the meeting agenda and any additional meeting information will appear in the upcoming Vestniks.

I hope to see you and yours at the District Six Spring Meeting on Sunday, April 15 in Hallettsville!

Fraternally, Elizabeth Holub District Six Secretary —SPJST—

District Six Spring Meeting Tentative Agenda 10:30 a.m. - Audit and Nominating Committees Meet 10:30 to 11 a.m. - Youth Contest Registration 11 a.m. to 12 noon - District Six Youth Development Workshop Nominating Committee - Elaine Berkovsky (63) and Jeanette Kaminsky (28) Audit Committee - Debbie Krpec (30) and Janie Bucek (151) 11 a.m. - Registration 12 noon - Catered Meal Served All lodges are asked to please bring two desserts and a door prize.

Special Reports and Elections will begin immediately following the meal.

Czech Heritage Museum ..................................................................Philip Vahalik Education and Nature Center (Camp Kubena)....................................Lisa Bubela Senior Living Centers ......................................................................Charles Bucek Cemetery.............................................................................................David Bucek

Business Meeting Call to Order.................................................................................President Joe Siptak Posting of Colors .............................................................................District Six Youth Welcome.........................................................Representatives from Lodges 4 and 63 Response/Introduction of Guests ................Second Vice President Helen Zabransky Roll Call of Officers, Lodges and Standing Committees.....................................Secretary Elizabeth Holub Treasurer’s Report...........................................................Treasurer Marjorie Treumer Youth Report and Contest Awards ..................................................DYC Lisa Bubela Standing Committee and Executive Reports By-Law....................................................................................................Joe Siptak Publication .........................................................................................Helen Kelner Finance .........................................................................................Glenn Kaminsky Insurance........................................................................................Elizabeth Holub Supreme Lodge Report.....................................................President Brian Vanicek Fraternal Field Manager.................................................................Delisle Doherty District Six Director Report...............................................................Karen Kaspar Old Business New Business Announcements Report of Nominating Committee and Election of Officers Report of Audit Committee Memorial Service..................................................First Vice President Annie Vahalik Recognition of 50- and 75-Year Members, Age 96 Honorees, and Fraternalists of the Year District Six Lodge and Sales Agent Awards Fall District Meeting Information Installation of Officers Adjournment

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District Seven Spring Meeting Sunday, April 8, 2018 Jourdanton Community Library

1101 Campbell Avenue • Jourdanton, Texas 78026 Hosted by Lodge 202, Jourdanton

SPJST District Seven Spring Meeting, hosted by Lodge 202, Jourdanton will be Sunday, April 8, 2018, at Jourdanton Community Library, located at 1101 Campbell Avenue in Jourdanton, Texas 78026.

Registration begins at 10 a.m.

Brunch will be provided by Lodge 202 Youth Club, and drinks will be provided

by Lodge 202 throughout the day.

The lunch served at 12:15 p.m. will consist of an enchilada plate with rice, beans and a salad for $4.

The youth will be having a painted rock contest. See handbook for details.

Members are asked to report the number of plates needed to your lodge secretary by Friday March 25.

The meeting begins at 10:30 a.m.

Members are asked to bring items for the silent auction. The money raised will stay in the district fund.

The district awards recognition will be held after lunch with three cash prize drawings.

The district is still collecting eyeglasses and cases, hearing aids, and aluminum can tabs. These may be brought to the district meeting.

Your attendance and support will be appreciated. Bring a friend.

Fraternally, Wendy Pruski District Seven Secretary —SPJST—

District Seven Spring Meeting Agenda 10 a.m. — Registration Refreshments provided by Lodge 202, Jourdanton Youth Club Drinks provided by Lodge 202, Jourdanton Decorated Rock Contest (youth)

10:30 a.m.

General Discussion SPJST Education and Nature Center.........................Director Donnie Howard Czech Heritage Museum .......................................Director Roxanne Bertrand Senior Living Centers (Rest Homes) ...........................Director Jerry Sijansky

Meeting Begins ...............................................District President Donnie Howard Presentation of Colors/Pledge of Allegiance ..................District Youth Members Welcome .........................................................Lodge 202 President James House Introduction of Guests ..................................................................Donnie Howard Announce Committees .................................................................Donnie Howard Roll Call of District Officers/Lodges.................District Secretary Wendy Pruski Memorial Ceremony.......................................................................Frank Sijansky Minutes ............................................................................................Wendy Pruski Correspondence ...............................................................................Wendy Pruski Financial Report .............................................District Treasurer Sandra Hoggard Recognition of 50-Year, 75-Year, Age 96, Age 100 Honorees......................................District FAC Theresa Haag District Youth Counselor .....................................................................Lian Pruski Standing Committee Reports Publication ....................................................................................Jarolyn Popp Finance ..........................................................................................James House Insurance .....................................................................................Wendy Pruski By-Law ..........................................................................................Oscar Korus

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Wednesday, March 28, 2018

12:15 p.m. — Meal - Enchilada Plate - $4 Prayer........................................................Lodge 202 Leaders-In-Training (LITs) Youth will be going on an outing after lunch.

1 p.m.

Supreme Lodge Officer....................................................President Brian Vanicek District Director.........................................................................Director Bob Bayer District Awards Recognition........................President Vanicek and Director Bayer District Fraternalist Nominees Recognized ..................................Theresa Haag Lifetime Achiever Honorees Recognized .......................................Theresa Haag Audit Committee Report Old Business Storage unit and shelves New Business Contests - Horseshoes/washers Nominating Committee Report/Election of Officers Installation of Officers Site of Fall Fun Day Youth Contest Winners .......................................................................Lian Pruski Youth Raffle Winners Announced Split-the-Pot winners Silent Auction results Door Prizes Adjourn Fraternally, Wendy Pruski, District Seven Secretary —SPJST—

SPJST STATE 42 DOMINO TOURNAMENT

VĚSTNÍK

SPJST Lodge Section The deadline for all Věstník items is 12 noon the Wednesday before the publication date. Send your news and photos directly to: Questions? Call 800-727-7578

Lodge 8, Weimar plans April 23 memorial service

Lodge 8, Weimar met on Monday, February 26, 2018, at 6 p.m. at Oakridge Smokehouse in Schulenburg, Texas.

Al Marshall led the Pledge of Allegiance. John Hornak led our prayer before we enjoyed a buffet dinner.

President Henrietta Veselka called the meeting to order. Seven members and State Fraternal Director Frank Horak were in attendance. Thank you, Frank, for joining us for our meeting.

All officers were in attendance. No minutes were read as there were no minutes

SPJST Věstník Editor Melanie Zavodny P.O. Box 100 Temple, Texas 76503 Fax: 254-773-8087

Email: vestnik@spjst.org

taken at the November 2017 meeting.

Treasurer Carolyn M. Tobola gave her report. Al Marshall made a motion, seconded by Melvin Tobola, to accept the treasurer’s report as presented. All agreed.

Correspondence was a letter from Tamara Gettys at the SPJST Home Office in Temple advising our lodge that the Home Office has successfully filed our e-postcard for tax year 2017.

Frank will contact personnel and ask them for a direct deposit form for our SPJST Enhanced Premium Refund for 2017.

FAC Henrietta Veselka reported on SPJST family fun and important dates including State Straight Domino Tour-

Home Office celebrates St. Patrick’s Day

Saturday, April 7, 2018 SPJST Home Office 520 North Main Street, Temple, TX 76501

Open to the public; Ages 16 and above!

Check-in: 8 to 8:45 a.m.

Play begins at 9 a.m.

Registration Fee: $10 per player Includes snacks and lunch 2-person team format.

If you do not have a partner, one will be assigned to you (if available).

Prizes will be awarded!

Please register by Monday, April 2.

IF YOU DO NOT REGISTER, YOU MAY OR MAY NOT BE ABLE TO PLAY.

Don’t delay!

See registration Register form on today! back.

Mail Entry Forms to: SPJST Tournaments P.O. Box 100 ● Temple, TX 76503 call: 800-727-7578 or 254-773-1575 or email: tammym@spjst.com

For more information, contact Frank Horak 254-534-0681

SPJST Home Office staff members enjoyed a St. Paddy’s Day potluck lunch on Friday, March 16, 2018. Staff members prepared green-themed dishes. Special guests were members of the Finance Committee. Pictured are, front, left to right, Nancy Miller and Terry Malina. BACK: Brooke Hoelscher, Holly Knecht, Melanie Zavodny, Lynette Talasek, and Tamara Gettys.

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nament in Temple on March 3; Youth Leaders’ Workshop at Lodge 47, Seaton Star Hall on March 24; State 42 Domino Tournament at the Home Office on April 7; and 100 Pennies Scholarship Fund Drive which runs through March 31.

The District Six Spring Meeting is at St. Mary’s in Hallettsville on Sunday, April 15. We were advised to bring two desserts and one door prize. Anton Machacek will provide the door prize.

Thank you, Anton.

Membership was advised that Cooper Farm/SPJST Education and Nature Center, located in Ledbetter, Texas, has changed its name to Camp Kubena.

Melvin made a motion, seconded by Arlene Marshall, to have the memorial service changed from May to April since there is no meeting scheduled in May. The motion was approved, and the date will be Monday, April 23. Members remembered are Marilyn Wornat and JoAnn Jares. Carolyn will lead the memorial service.

Join Hands Day Al Marshall made a motion, seconded by Melvin Tobola, to join Hermann Sons Life of New Bielau for our Join Hands Day event. The motion was approved. Tentatively, the date has been set for Friday, May 4 at 2:30 p.m.

Rose Sumbera is on the sick list.

Birthday for January/February is Arlene Marshall on February 6.

Thank you, Frank, for the door prizes. At 7:25 p.m. Melvin made a motion to adjourn; Anton Machacek seconded; and the motion carried.

Wednesday, March 28, 2018

Next Meeting—April 23 The next meeting will be Monday, April 23 at Oakridge Smokehouse in Schulenburg at 6 p.m. at which time we will have our memorial service. Meal will be compliments of Lodge 8.

Fraternally, Carolyn M. Tobola, Secretary —SPJST—

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Lodge 9, Snook to host April 8 district spring meeting

The March 7, 2018, meeting of SPJST Lodge 9, Snook was called to order by President Donnie Hejl at 7:05 p.m. Kaylea Walker, Grace Lewis, and Natalie Vacha led us in the Pledge of Allegiance. Roll of officers was called.

Minutes from the February meeting were approved as read. Hall manager, FAC, treasurer, and state reports were presented.

The youth club had a district social on February 18. They went to see Peter Pan. They will participate in Join Hands Day on April 28 by cleaning the Snook Cemetery and putting out new flowers.

For the District One Spring Meeting that will be held in Snook on Sunday, April 8, we will serve the meal at 1 p.m. which is before the meeting. The meeting will begin at 2 p.m.

The microwave has been purchased and installed.

Finance Committee meets in Temple

Restored Beauties

SPJST District Three Director John Engelke, left, and Vice President Hiram Dixon are pictured next to Hiram’s 1966 Ford Mustang in front of Lodge 29, Taylor after the District Two Spring Meeting on Sunday, March 18, 2018. The exterior of the hall was recently remodeled with the addition of siding. The Mustang will be given away to a lucky winner on Saturday, May 5 at the SPJST Car Show and Czech Heritage Celebration in Seaton. For more information about the SPJST Foundation Mustang fundraiser, contact Brother Dixon at 254-773-1575.

Motion was passed to sponsor Relay for Life.

March birthdays include Donnie Victorick on the 23rd and Janice Victorick on the 25th.

The meeting was adjourned at 7:28 p.m.

Next Meeting—April 4 The next meeting will be Wednesday, April 4.

Fraternally, Hannah Kovar, Reporter —SPJST—

Lodge Karel Jonáš No. 28, East Bernard meets April 15

SPJST Finance Committee met Friday, March 16, 2018, at the Home Office in Temple for its annual meeting. Pictured are, left to right, James House (202), Thomas Cannon (186), Secretary Marceil Malak (88), Chairman Dewyan Weise (160), seated, Glenn Kaminsky (28), Michael Galler (66), and Edwin Pechal (47).

Lodge Karel Jonáš No. 28, East Bernard will meet before or after the District Six Spring Meeting. The meeting will be held on Sunday, April 15, 2018, at St. Mary’s Hall in Hallettsville.

We hope to see you there.

Helen Kelner, Secretary —SPJST—

Lodge 29, Taylor sponsors SPJST Car Show

President Ronnie Rieger called the Lodge 29, Taylor meeting to order on Thursday, March 14, 2018. He led the Pledge of Allegiance and had a moment of silence in honor of our departed members, the military that serve our country, and for Sharon Kaderka who lost a sister recently. Tammy Cannon and Mike and Cristy Girod were absent.

The February minutes were read and approved. Ronnie gave the treasurer’s report in Tammy’s absence.

Vice President/FAC Sharon Kaderka reminded us of the District Two Spring Meeting that Lodge 29 will host on Sunday, March 18. Desserts are needed, and there will be a silent auction for the district youth.

On Saturday, May 5, the SPJST Car Show will be at Lodge 47, Seaton.

Albin Machu made a motion for Lodge 29 to donate $100 for a car show sponsorship. Frankie Pustejovsky seconded, and the motion passed. It was decided that we would do our Join Hands Day

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Wednesday, March 28, 2018

project at the car show.

The SPJST State 42 Domino Tournament will be held on Saturday, April 7 at the SPJST Home Office.

Jesse Pospisil reported the siding is completed on the outside of Lodge 29’s building. Help will be needed in preparing the meal for the District Two Spring Meeting.

Ronnie informed us that registration will begin at 1 p.m. for the spring meeting with the meeting beginning at 2 p.m.

He asked members to please come help set up for the meeting, bring desserts, and help with the meal preparation.

Albin Machu signed up two new members. They are Logan David Meiller and Saveah Leigh Pena.

Leonard Kaderka made a motion to accept the new members, and Lyn Rieger seconded. The motion passed.

Members celebrating birthdays in March include Sharon Kaderka, Kristen Rieger, Frankie Pustejovsky, Mike Girod, Andylyn Teat, McKensie Falk, and Ruby Schroeder.

Lyn Rieger and Louren Karkoska brought door prizes. Next month, Cristy Girod volunteered to bring them.

Next Meeting—April 11 The next meeting will be Wednesday, April 11 at 6:30 p.m.

Fraternally submitted, Linda Pospisil Secretary-Reporter —SPJST—

Lodge 30, Taiton sponsors SPJST Car Show

Dear Vestnik Readers, Lodge 30, Taiton held its regular monthly meeting on Sunday, March 4, 2018, at Taiton Community Center.

President Yvonne Marcaurele called the meeting to order. Members present recited the Pledge of Allegiance led by Ardis Bacak, and a moment of silence was observed for any sick or departed members.

Secretary Marjorie Treumer recorded the roll of officers and members present.

The minutes of the February meeting were then read and approved. She announced the terminations, lapses, and new insurance issued.

Treasurer Lisa Bubela shared her re-

VĚSTNÍK

Lodge 17, New Tabor member Lillian Barta achieves Grand Age of 96

SPJST congratulates Sister Lillian Marguerite Barta of Lodge 17, New Tabor, who celebrated her 96th birthday on Saturday, March 3, 2018. As such, Sister Barta is entitled to all SPJST member benefits with no further dues or assessments.

Lillian was born to John and Christina Vavra in Burleson County, Texas, both now deceased. She had one brother, Andrew Vavra, also deceased.

Sister Lillian married Ernest Barta on December 20, 1942, at Saint Michael’s Church in Leesville, Louisiana. They were blessed with children Kathryn Michalec and spouse Alfred, living in Helotes, and Patrick Barta and spouse Carla, living in Towson, Maryland.

Lillian was a dedicated home-

port on the financial standing of our lodge. She had no outstanding bills at this time.

FAC Patsy Baker informed the members of the upcoming events around the state. The District Six Spring Meeting will be co-hosted by Lodges 4, Hallettsville and 63, Sweet Home on Sunday, April 15 at St. Mary’s in Hallettsville.

Youth Leader Lisa Bubela gave the report on the comings and goings of our youth program. She informed the members that the Leaders-in-Training (LIT) and camp chaperone registration is due

by April 1 and District Six camp registration is due May 1. The youth will participate in a Youth Development Workshop that is planned for Sunday, April 15 at 11 a.m. after registration for the rock contest at 10:30 a.m.

Old Business District Six Spring Meeting will be held at St. Mary’s Parish Hall, co-hosted

by Lodges 4, Hallettsville and 63, Sweet Home, on Sunday, April 15.

On Sunday, March 11, we will participate in the annual St. John’s Altar Society Chicken Dinner. Each member was asked to bring a cake for the cake walk.

It was then discussed and decided to donate to the SPJST Foundation for the SPJST Car Show.

maker who cooked delicious meals for her family.

Lillian enjoys working in the vegetable garden and in her colorful flower beds. She quilted many quilts for family members. She also sewed and donated many flannel baby blankets to those in need. She was the inspiration for the formation of “The Blanket Project” at Sinai Hospital in Baltimore, Maryland, which provides blankets for palliative care patients.

Again, we congratulate Lillian Marguerite Barta on attaining the Grand Age of 96. Thank you, Sister Barta, for your devotion to SPJST for all these years. May God bless you and your family.

—SPJST—

Lodge 30’s annual appreciation banquet will be Sunday, May 6. Set up will begin at 10:30 a.m. with a meal to follow. We will honor our 50-year members and sales agents. We hope to see everyone there.

Happy birthday was wished to Lisa Bubela, Megan Riha, and Faith Korenek. We wish them all many more to come.

The next meeting will be Sunday, March 25 at Taiton Community Center.

The youth meeting will begin at 3 p.m. with the adult meeting to follow. This will also be the annual community Easter egg hunt.

The meeting was adjourned by President Yvonne Marcaurele.

Fraternally yours, Marjorie Treumer, Reporter —SPJST—

Lodge 47, Seaton to honor longtime members April 8

Dear Members, Lodge 47, Seaton will meet Sunday, April 8, 2018, at 2 p.m. This is a very special meeting as those who have been members for 50 years and 75 years will be honored.

Congratulations to 75-year members Jimmie Jonn Coufal, Mary Jo Jez Franklin, Janet Jean Mabry, and Douglas Wayne Sodek.

Congratulations to 50-year members James E. Allen, Amy Diane Bowles, Paul Blake Chlapek, Marile Gena Cook, Cheryl Lee Ewing, Dorothy M. Gaines, Steven T. Gaines, James E. Hejl. Robert James Hejl, Betty J. Hoelscher, Doris M. Holtman, Johnnie J. Kopriva, Thomas J. Kopriva, Linda Lucchesi, Edwin J. Malcik, Johnnie Lorraine Matl, Carol Jean Motl, Dale Wayne Motl, Dolores A. Motl, Theodore F. Motl, Joyce M. Novak, Patrick Patterson, Mark Alan Tepera, Jerry D. Trampota, Adolph Emil Vacha, Edwin Joseph Vasicek, and Joe J. Vrana.

We look forward to celebrating your achievement of being an SPJST member. Following the 50- and 75-year pin ceremony, a meal will be served. Please make plans to stay and visit with friends, family, and former classmates. The main course will be furnished by the lodge.

You may bring a side dish or dessert if you prefer.

Each honoree will be receiving a letter by mail soon with other details.

May all of our SPJST friends have a blessed Easter!

Fraternally, Patsy Koslovsky, Secretary —SPJST—

VĚSTNÍK

Lodge 81, Needville welcomes new members

The March 2018 meeting of SPJST Lodge 81, Needville was held on Sunday, the 18th. At 12 noon, a prayer of thanks was given, and everyone enjoyed a meal of chicken fried steak purchased by the lodge from the American Legion fundraiser. A variety of desserts were provided by members. I would like to take this opportunity to thank Darlene Blinka and her kitchen committee for getting everything ready for us.

President Vincent Newman called the business meeting to order at 1 p.m.

Bradley Stavinoha led us in the Pledge of Allegiance. All officers answered the roll.

Secretary Willie Mae Kuykendall read her report, and it was approved as read. Bradley Stavinoha read the treasurer’s report, and it was approved as read. Special Funds Chairman, Dan Natho read his report, and it was approved as read.

Under old business, President Vincent Newman reminded members that Join Hands Day is coming up on May 5.

We will again play bingo with the senior

citizens at S.P.J.S.T. Senior Living.

Willie Mae Kuykendall will buy the door prizes.

Under new business, we voted in new members Conner Theodore Jackson, Francisco Barcena, Jr., Jasmine Nicole Saldana, Arik Garcia, John Pavlock, Shirley Pavlock, and Rebecca Limas. We hope to meet you soon. Also under new business, it was made into a motion and seconded to have the bathrooms in the lodge remodeled. Last, under new business, Jeanette Newman mentioned a scholarship applicant. It was made into a motion and passed that this student will receive the scholarship from our lodge.

Under other business, we sang “Happy Birthday” to Valentine Kusy.

He is 91 years young. Valentine told me that he has been a member of SPJST for 74 years! Congratulations!

Door prize winners were Joyce Lamensky, Dan Natho, Robert Polasek, and Jeanette Newman. Congratulations to all winners!

Next Meeting—April 15 For the next meeting on Sunday, April 15, it was decided to have fried chicken provided by the lodge. Members, please bring a side dish and a dessert. See you at the next meeting!

Fraternally, Jeanette Newman, Reporter —SPJST—

Czech SpringFest to be held at Lodge 88, Houston

Happy 91st Birthday, Valentine Kusy!

Lodge 81, Needville recognized Valentine Kusy for his 91st birthday. Brother Valentine has been an SPJST member for 74 years!

Happy birthday, Valentine, and congratulations!

—Submitted by Jeanette Newman, Reporter

The Annual Czech SpringFest is Sunday, April 8, 2018, from 11 a.m. to 6 p.m. at SPJST Lodge 88, Houston, located at 1435 Beall Street at 15th Street in the Heights.

Kovanda’s Czech Band will perform from 11 a.m. to 2 p.m. followed by Texas Legacy Czech Band from 3 to 6 p.m.

Guest artist Marcela Hrabovska will demonstrate the art of decorating eggs with straw and other materials. She will also have many items for sale.

A traditional Czech Sunday dinner will be served from 11 a.m. to 2 p.m.

The cost will be $10 for adults and $7 for children ages 11 and under. Soup and sausage with sauerkraut will be served

Wednesday, March 28, 2018

9

Six Mile Volunteer Fire Department grand opening set for Saturday, April 7

District Six Director Karen Kaspar is pictured inside the new Six Mile Volunteer Fire Department which was constructed on two acres that SPJST Lodge 41, Port Lavaca donated to the Six Mile community in 2017. The grand opening for the new fire department is Saturday, April 7 at 12 noon. Everyone is invited to attend and join in the celebration.

at 1 p.m.

Activities will include a kolache eating contest, cultural exhibits, silent auction, country store, and vendors.

Admission is $8, and children under 11 years of age will be admitted free of charge. The event is sponsored by the Czech Heritage Society of Texas - Harris County Chapter and benefits the CHSHCC Library and Archives.

For more information, call 713-3490500 or email chsheritage20@att.net.

Jean Rayhill CHS - Harris County Chapter —SPJST—

Lodge 107, Floresville invites members to spring banquet

Dear Members, We will honor our 50- and 75-year, Age 96 members, Age 100 members, new members, volunteers, and sales agents on Sunday, April 15, 2018, beginning at 11:30 a.m. at the SPJST Lodge 107, Floresville Hall, located at 1156 FM 1303 in Floresville, Texas.

You and your family are invited. Lunch will be served at 12:30 p.m. The lodge will provide the meal, and each family is asked to bring a dessert.

Our guest speaker will be SPJST State Fraternal Director Frank Horak.

All members of SPJST are welcome to attend. You may bring a guest to see if he/she would be interested in joining SPJST. Our goal this year is 15 new members. Please bring referrals with

you and help us with our goal. We will have a prize drawing for referrals.

To RSVP, please call Oscar Korus at 830-391-4169; Wendy Pruski at 210535-4916; or Bob Bayer at 830- 3932872 to let us know if you and your family will be attending. We must know

by April 8 so we can prepare for you.

Fraternally, The Officers of Lodge 107, Floresville —SPJST—

Lodge 196 Houston-West sets April, May meeting dates

The meeting dates for Lodge 196, Houston-West for April has been moved to Sunday, the 15th. And, the meeting for May has been moved to Sunday, the 6th.

The start time for the potluck lunch is still 1 p.m., and the meeting will begin at 2 p.m. on both dates. Please make a note of these changes so that you do not miss out on the fun, food, and fellowship on these days.

Don Fruin, President —SPJST—

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Wednesday, March 28, 2018

Lodge 246 Morgan’s Point sponsors SPJST Car Show

Dear Readers, Lodge 246, Morgan’s Point met Tuesday, March 6, 2018, at Olive Garden in Temple. Members enjoyed a soup and salad luncheon after the meeting.

President Ingrid Petrik called the meeting to order. Reports were presented by Treasurer James L. Lee, III, Fraternal Activities Coordinator Charlie Herendon, and Secretary Melanie Zavodny.

The lodge welcomed Jasmine Hopson as a new member.

Lodge members assisted with the SPJST Car Show at the Temple Area Builders Association Home and Garden Show on Friday, February 23 to Sunday, February 25 at the Bell County Expo Center in Belton.

Members will also assist with the SPJST Car Show and Czech Heritage Celebration on Saturday, May 5 at Lodge 47, Seaton Star Hall. The lodge has pledged $500 as a platinum sponsor for the event.

Lodge 246’s Vice President Susan Hutton shared that her sister-in-law Cindy Dixon was diagnosed with smallcell carcinoma (also known as “smallcell lung cancer”). This is a type of highly malignant, aggressive lung cancer that most commonly arises within the lung. Cindy has encephalitis (swelling of the brain), blurred vision, slurred speech, and poor balance which has left her bedridden. She will begin radiation and chemotherapy as soon as she is well enough. Cindy and her husband (Susan’s brother) Ricky are facing tremendous medical and rehabilitation expenses. Tarrant and Debbie Alexander of Lodge 47, Seaton are organizing a benefit for the Dixons on Sunday, April 8 at the KC Hall, 2218 West Avenue D in Temple, Texas. Barbecue sandwiches and sausage wraps will be served beginning at 12:30 p.m. A live auction is at 2 p.m., and the Backroads Band will provide live music at 4 p.m. The benefit will

also include a silent auction. For more information about the benefit, please contact ChaCha at 254-217-3659.

Lodge 246 members will be available to assist at the event and donate an item for the silent auction. Please keep Cindy, Randy, Susan, and their family in your prayers.

Fraternally, Melanie Zavodny Secretary/Reporter —SPJST—

H H Reunions H H

Reunion notices are published at no charge and as a benefit to our SPJST members. First-run announcements may be edited to fit the space. Thereafter, until the week prior to the reunion date - as space permits - notices will be run in an abbreviated form. Please include your SPJST lodge number/name, and your contact phone number.

Thank you.

Rural Schools - West

The annual rural school reunion will be held on Saturday, April 21, 2018, at SPJST Lodge 6, Cottonwood Hall, three miles east of West on South Czech Hall Road. Anyone who attended an area school that was consolidated into West Independent School District is welcome to attend. Some of the schools that consolidated are Alligator, Cottonwood, Denton Hill, Leroy, Leggott, Ross, Tokio, Closner, Snake Creek, Liberty Hill, Gerald, and any other school that was overlooked. Also if you are a family member of a person that attended one of these schools, a spouse, sibling, or friend, you are also welcome to attend.

Come and visit with old friends! Doors open at 1 p.m., and a light meal will be served at 4:30 p.m.

For more information, call Charles and Irene Barber at 254-622-2998 or Milton and Irene Peterson at 254-5332372 .

Milton and Irene Peterson Lodge 6, Cottonwood —SPJST—

VĚSTNÍK

In Memory of Adolph Provazek

Adolph Frank Provazek, age 99, passed away on Tuesday, February 20, 2018. Adolph was born on June 9, 1918, in Buckholts, Texas.

Adolph was raised in the Texas Czech community and remained involved in Czech culture in Texas all his life. He loved Czech music and played the accordion up until one year ago. Adolph was a member of a Czech polka band Adolph Provazek in his early adult life. He loved to work in his garden and was passionate about growing pecans.

Adolph had the natural mind of an engineer and loved to create unique things.

He could fix anything, and he would routinely turn common household items into works of art. To Adolph, age was just a number. He loved to fish and be active. Adolph worked 28-plus years for LTV Aerospace/ESystems/Raytheon as an electronic technician and retired in 1981.

He was a member of SPJST Lodge 84, Dallas.

Adolph was predeceased by both of his parents Charlie and Annie Masar Provazek; and his beloved wife Ella Mae Provazek.

He leaves to cherish his memories and legacy: a daughter, two grandchildren, and two great-grandchildren; his loving sweetheart of 17 years Martha Huff; and her four children, 22 grandchildren, and 16 great-grandchildren.

Adolph was like a father, grandfather, and great-grandfather to Martha’s big, very close family.

Adolph and Martha began dating in May 2001. They met at the annual National Polka Festival in Ennis where they were named King and Queen in 2005. They enjoyed dancing at a couple of halls in Dallas every Saturday evening for the first 14 years of their precious time together. They also loved to travel together and spend time with Martha’s very big family. Everyone loved Adolph and welcomed him to all

family events and holidays. Everyone loved to listen to Adolph play his accordion. He would always play at funerals, weddings, and various events for his friends and family, even playing “Here Comes the Bride” at one of Martha’s granddaughter's wedding in 2005. He is greatly missed by many.

—SPJST—

In Memory of Lawrence Janecka

Lawrence “Bumpsy” Janecka, age 84, passed away peacefully at a hospital in Burleson, Texas, on Wednesday, February 28, 2018.

Visitation was held on Wednesday, March 7 at Mount Olivet Chapel. Funeral service was held on Thursday, March 8 at Mount Olivet Chapel.

Burial followed at Dallas Fort Worth National Cemetery.

Bumpsy was born in Cistern on August 28, 1933, to Julius and Frances Janecka. Bumpsy Janecka He proudly served his country in the United States Army.

He married Bernice Kubala on June 22, 1957.

He was employed by Lone Star Gas Company for 31 years and retired in 1993. Bumpsy was a gentle giant who adored his children, grandchildren, and great-grandchildren. He liked to tell jokes to anyone who would listen. He was a fun-loving man who enjoyed going to polka dances especially if the Panther City Polka Boys played. He was proud of this Czech heritage.

Bumpsy was a member of SPJST Lodge 92, Fort Worth.

He was preceded in death by his parents; three brothers; two sisters; one sister-in-law; and three brothers-in-law.

Survivors are his wife of 60 years, Bernie Janecka; sons Doug and Rudy Janecka; grandchildren Julie Kinnaird, Chris Janecka, Shanna Janecka, and Dylan Janecka; and great-grandchildren Alden and Kyla Rose Kinnaird.

—SPJST—

VĚSTNÍK

SPJST Youth Section

The deadline for all Věstník items is 12 noon the Wednesday before the publication date. Send your news and photos directly to: SPJST Věstník Editor Melanie Zavodny P.O. Box 100, Temple, Texas 76503 Fax: 254-773-8087

Email: vestnik@spjst.org Questions?

Call 800-727-7578

This section is dedicated to the youth of SPJST. As part of its membership benefits, SPJST offers a statewide youth program.

If you or someone you know is interested in learning about opportunities offered to young members of SPJST, please contact your local lodge, District Youth Counselor, State Fraternal Director at 800-727-7578, or visit www.spjst.org.

Youth Department plans April camp chaperone training dates

Dates for chaperone training have been scheduled. If you are planning on going to camp as a chaperone, you must attend one of the training classes. We need at least five attendees registered in order to hold the training class in your area. There will not be any other times scheduled after April.

Chaperones, please go to the SPJST webpage and at the top of the page under

“Programs,” click on “Camp Registration.” Under “Camp Chaperone Training,” you will see the link where you can click to sign up for a training session.

You can also use the weblink below to go directly to Sign Up Genius to preregister for the training as well: http://www.SignUpGenius.com/go/30E0 945AEA62CA7FC1-camp Camp chaperone training dates, locations, and instructors are: Sunday, April 8 Camp Kubena at 11 a.m.

2001 Waldeck Road, Ledbetter Jeb Lapeyrolerie/Whitten Shappell

Lodge 81, Needville Youth Club assists with American Legion fundraiser

Lodge 81, Needville Youth Club assisted with preparing plates for the Needville American Legion Post 350 annual fundraiser on Sunday, March 18, 2018. A total of 520 plates were purchased at the fundraiser.

Lodge 81 youth are, left to right, Anna Gadway, Evan Stavinoha, and Baley Stavinoha.

Sunday, April 8 Lodge 183, Arlington at 1 p.m.

3100 Pleasant Valley Lane, Arlington Lynette Talasek Saturday, April 14 SPJST Home Office at 10 a.m.

520 North Main Street, Temple Lynette Talasek

Saturday, April 14 Lodge 107, Floresville at 10 a.m.

1156 FM 1303, Floresville Frank Horak

Sunday, April 15 Camp Kubena at 3 p.m.

2001 Waldeck Road, Ledbetter Jeb Lapeyrolerie/Whitten Shappell

Sunday, April 22 Camp Kubena at 2 p.m.

2001 Waldeck Road, Ledbetter Jeb Lapeyrolerie/Whitten Shappell Saturday, April 28 SPJST Home Office at 10 a.m.

520 North Main Street, Temple Frank Horak

Sunday, April 29 Lodge 88, Houston at 10 a.m.

1435 Beall Street at West 15th, Houston Frank Horak/Whitten Shappell Fraternally, Frank Horak State Fraternal Director —SPJST—

Wednesday, March 28, 2018

11

Peter Rabbit. Afterwards, they went to eat at CiCi’s Pizza.

They also had monthly service projects—collecting socks for the nursing home, used eyeglasses, and cell phones, and making valentine cards that they delivered on Valentine’s Day to local nursing home residents.

For the March service project, the youth club collected 52 boxes of cereal and donated them to a local food pantry.

That was a lot of cereal! Great job, youth!

The District One Spring Meeting will be on Sunday, April 8 at Lodge 9, Snook.

Youth can participate in a decorated rock contest. Last year’s rocks were very creative and beautiful.

I hope to see you at the District One Spring Meeting. Make sure to bring your decorated rock for the contest.

Fraternally, Macey McCuller, Reporter —SPJST—

Lodge 185 New Braunfels youth: spring break fun

Lodge 17, New Tabor Youth Club shares activities, events

SPJST Lodge 17, New Tabor youth have been busy over the last few months.

They had a memorial service for those who passed away in 2017 along with a delicious turkey and dressing meal. The youth also collected nonperishable food items for the Food for Families Food Drive in Caldwell. KBTX News was also there and talked with some who dropped off the food. They also played musical chairs after their meetings which was fun and enjoyed by all.

SPJST District One youth had a movie outing/social on Sunday, February 18, and youth went to see the movie

Dear Readers, Did you do anything fun for spring break? We didn’t do a lot, but I did get to go fishing with my dad at Canyon Lake. It was a great way to end a relaxing week!

Rileigh Kitchen, age 11 —SPJST—

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Podpora Wednesday, March 28, 2018

BENEVOLENCE

ROČNÍK 106 CISLO 12

Happy Easter Veselé Velikonoce

In the years before 1989 when Czechoslovakia became a free country again, the meaning of Easter - Velikonoce — from Veliké noci or Great Nights - was limited to the welcoming of spring. The religious connotations of Easter were suppressed under the communist regime. Nowadays, people are again aware of the religious origin of Easter, but Easter has not become a serious religious holiday.

Easter in the Czech Republic is a fun time. Many traditions are still observed and practiced, especially in villages, and different regions may have their own tra-

H

Lidskost

Česká

HUMANITY

Část

Uředni orgán SPJST H Založené roku 1897

ditions and customs.

Many symbols of Easter are related to the spring and beginning of new life. In the Czech Republic, Easter symbols include:

Eggs and kraslice The hand-painted or decorated egg kraslice - is the most recognizable symbol of Czech Easter. Easter eggs are decorated by girls to be given to boys on Easter Monday. There are many techniques to decorate Easter eggs and they usually require a certain level of skill. Different materials can be used, such as bee’s wax, straw (hay), watercolors, onion peels, and picture stickers. There are no limitations in creating pretty, colorful eggs.

Dekorativni Perníčky Gingerbread Cookies

Sift all dry ingredients onto a pastry board. Add the remaining ingredients except single egg; work into a firm dough. Let stand overnight in a cool place. Next day, roll out 1/4-inch thick.

Cut out shapes. Brush with remaining egg. Place on a baking sheet lined with waxed paper and bake in a preheated 325-degree oven for 20 to 30 minutes.

Decorate as desired.

H

Slovanská Podporující Jednota Státu Texas

From Ceska Katolicka Jednota , Posel, March-April 2018

2 1/3 cups flour 1 1/4 cups sugar 8 teaspoons gingerbread spice 1/2 teaspoons baking soda 2 tablespoons honey, heated to lukewarm 2 eggs, lightly beaten 1 tablespoon rum 1 teaspoon grated lemon peal 1 egg, lightly beaten

Bratrství

VĚSTNÍK

Homemade Czech gingerbread cookies - perníčky,- are a part of most family Easter celebrations. Milder and less sweet than gingerbread from other places, cookie bakers spend many hours decorating these cookies with beautiful, delicate white-icing piping.

Cookies can be in the shape of doves, eggs, and rabbits. The recipe is the same as Christmas cookies, but the shapes and icing patterns differ.

The capital city of Prague is a wellknown source for these kinds of cookies, especially for visitors. In addition, the city of Pardubice is also a famous spot in highly intricate cookie designs.

Even the train station has a shop to sell them.

—SPJST—

Baby Animals— Lamb, Bunny Rabbit, Chicken One Easter tradition is to bake a lamb, but in the Czech Republic real lamb is usually replaced by one made from gingerbread.

Pomlázka Young, live willow twigs are thought to bring health and youth to anyone who is whipped with them. A pomlázka - from pomladit or “make younger” - a braided whip made from willow twigs — has therefore been used for centuries by boys who go caroling on Easter Monday and symbolically whip girls on the legs. Boys used to make their own pomlázky in the past (the more twigs, the more difficult it was to

BROTHERHOOD

28.březen.2018

braid one), but this tradition and skill is long gone and pomlázky can be bought in stores and on the streets. Some men don’t even bother and use a single twig or even a wooden spoon!

Dousing Dousing a girl with water has a similar symbolic meaning as the pomlázka.

The Color Red Red and other bright colors symbolize health, joy, happiness and new life that comes with the spring.

The Days Before Easter Sunday Children finish school on Ugly Wednesday - škaredá středa - which is a good idea

Czech Cultural Calendar

Wednesdays Taylor Czech Speaking Class meets every Wednesday from 6 to 8 p.m. at S.P.J.S.T. Assisted Living, 505 East Lake Drive in Taylor. This is an informal class setting for learning to speak, write, and read Czech. For information, contact Instructor Lydia Kurtin 512-859-2543. Submitted

by Alice Bracewell, Lodge 48, Beyersville.

First/Third Tuesdays Tarok Lessons with Tarok Champion Jimmie Coufal—at Czech Heritage Museum, 119 West French Avenue, Temple, 7 p.m.: All skill levels; beginners always welcome! Free and open to everyone. For information, call 254-899-2935 or email czechheritagemuseum@gmail.com.

Second Sundays Czech Language Class—at Texas Czech Heritage and Cultural Center, 250 West Fairgrounds Road on US Highway 77, La Grange, 1 to 4 p.m. Fee is $10 per person per class. Call or email to verify classes. Pre-registration preferred. For information, call 888-785-4500; 979968-9399; or email info@czechtexas.org.

April 8 Annual Czech SpringFest—at SPJST Lodge 88, Houston, 1435 Beall Street at 15th Street in the Heights, 11 a.m. to 6 p.m.: Kovanda’s Czech Band -11 a.m. to 2 p.m.; Texas Legacy Czech Band - 3 to 6 p.m.; guest artist Marcela Hrabovska - egg decorating demonstration; items for sale; traditional Czech Sunday dinner - 11 a.m. to 2 p.m., adults $10; children ages 11 and under - $7; soup and sausage with sauerkraut - 1 p.m.; kolache eating contest; cultural

exhibits; silent auction; country store, and vendors. Admission, adults $8; children under 11 years of age - free. For information, call 713349-0500; or email chsheritage20@att.net.

Event is sponsored by Czech Heritage Society of Texas - Harris County Chapter and benefits CHSHCC Library and Archives. Submitted by Jean Rayhill. See advertisement on page 13 of this week’s Vestnik.

Saturday, April 14 Granger Tarok Tournament—at SSCM Recreation Center in Granger. Contact Willie Cervenka. 979-824-9330.

May 5 SPJST Car Show and Czech Heritage Celebration—at SPJST Lodge 47, Seaton Star Hall.

Music by Jerry Haisler, Billy Havlik, and Friends; food; arts/crafts vendors; kids’ zone; much more.

For information, visit spjstcarshow.org or call 254-773-1575.

May 20 TCHCC Slavnost - May Fest and Tribute to the Immigrants—at Texas Czech Heritage and Cultural Center, 250 West Fairgrounds Road, LaGrange: Ceremony honors Czech immigrants to Texas of any year, 10:30 a.m. Contact TCHCC for immigrant recognition forms. Available for the first 25. Meal served at 11:30 a.m.; music on the deck - 12:30 to 5 p.m.; prize drawing, country store, May pole dance and village tours. For information, call 888-785-4500; 979-968-9399; email info@czechtexas.org; or visit www.czechtexas.org.

—SPJST—

VĚSTNÍK

because they need to spend some serious time on making Easter what it should be.

In the evening of Green Thursday - Zelení čtvrtek - every boy in the village equips himself with a wooden rattle - řehtačka which is specially made for the purpose, the boys form a group and walk through the village, rattling their rattles vigorously so the noise can be heard from afar. The meaning of the rattling is to chase away Judas. The same procedure repeats on Good Friday - Velkí pátek - and one more time on White Saturday - Bílá sobota when the boys don’t only walk through the village, but stop at every house in the morning and rattle until they’re given money which they then split between themselves.

Easter Sunday Easter Sunday - Neděle velikonoční - is a day of preparations for Easter Monday.

Girls paint, color, and decorate eggs, if they haven’t done so before, and boys prepare their pomlázky!

Easter Monday Easter Monday - Pondělí velikonoční is a day off, the day of the pomlázka. The origin of the pomlázka tradition (pomlázka meaning both the whip and the tradition itself) dates back to pagan times. Its original

purpose and symbolic meaning is to chase away illness and bad spirits and bring health and youth for the rest of the year to everyone who is whipped with the young willow twigs.

In the past, pomlázka was not only used by boys to whip girls, but also by the farmer’s wife to whip the livestock, as well as everyone in the household including men and children. Boys would whip girls lightly on the legs and possibly douse them with water, which had a similar symbolic meaning. An Easter carol or rhyme - usually asking for an egg or two - would be recited by the boy while whipping. The best known rhyme: Hody, hody, doprovody, dejte vejce malovany, nedate-li malovany, dejte aspon bily, vsak vam slepicka snese jiny.

In English: . . . , give a painted egg, if you don't give a painted one, give at least a white one, the hen will bring you something different.

gressed through the village, their bags filled up with eggs and their pomlázky were adorned with more and more colorful ribbons.

This tradition is still largely upheld, especially in villages and small towns, although it may have lost its symbolism and romance and is now performed mainly for fun.

The reward has also changed — money

Texas Czech Genealogical Society Website: txczgs.org

Promoting the study of the genealogy of the particular group of people known as “Texas Czechs.”

For membership: Merlene Bravenec 254-778-7285

Wednesday, March 28, 2018

and shots of plum brandy are often given instead of or in addition to painted eggs and candy. So by early afternoon, groups of happy men can be seen staggering along the road.

All that aside, Easter still remains one of the most joyful and fun holidays on the Czech calendar.

—SPJST—

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The girl would then reward the boy with a painted egg or candy and tie a ribbon around his pomlázka. As the boys pro-

Sunday April 8, 2018 11 am till 7 pm

Texas Polka News

Admission—Adults $8.00 Children under 11 Free

Traditional Czech Sunday Dinner Served from 11am til 2 pm Adults $10. Children under 11 $7.00 Soup and sausage w/sauerkraut Served at 1pm

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Monthly, full-color publication offers band/musician features, music event calendar, festival/church picnic coverage, Texas music history & more! Our mission is to reach 3,000 subscribers by 2018, the paper’s 30th anniversary. Designate SPJST Youth Programs to receive a donation & the youth programs will be eligible to win prize money. Learn more at TexasPolkaNews.com.

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14

Wednesday, March 28, 2018

SPJST Fraternal Activities and Entertainment

Post your lodge’s upcoming SPJST fraternal activities and entertainment dates and information here. These listings are free. The deadline for submitting information for the Fraternal Activities and Entertainment Guide is Wednesday at 12 noon, unless otherwise posted. Send updates directly to: VĚSTNÍK, c/o Editor Melanie Zavodny, P.O. Box 100, Temple, Texas 76503. FAX to: 254-773-8087. Email to: vestnik@spjst.org. Advertising rates are $2 per column inch for lodge ads; $4 per column inch for non-profit organization ads; and $6 per column inch for commercial ads. For advertising information, please call the Editor at 800-727-7578 or email vestnik@spjst.org.

LODGE 1, FAYETTEVILLE (1) Lodge Hall: 507 East Main Street, Fayetteville. Directions: Lodge building is located on Hwy 159 East, 3 blocks from the town square. Hall Rental Information: (979) 966-3795.

Lodge Meetings: First Monday of even-numbered months - February, April, June, August, october, and December, 6 p.m. at the hall. Potluck served after meeting. Youth Club Meetings: First Monday of each month, 6:30 p.m. at the hall. For information, contact Youth Leader Ronnie Pflughaupt 979-249-6702; or email rpflughaupt@hotmail.com.

LODGE 4, HALLETTSVILLE (6) Attention: Remaining meetings for 2018 will be held Sunday, April 15; Sunday, August 19; Sunday, December 9 (and as needed), at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street, Hallettsville.

Lodge Meetings: The lodge meets every other month (location/time TBA), at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street, Hallettsville.

LODGE 5, PILOT POINT-TIOGA (3) Lodge Meetings: First Saturday of each month, 2 p.m. at PointBank Community Center, 739 East Liberty Street, Pilot Point. For directions/meeting information, contact Brian Heitzman 940-686-4429; or Dean Carender 903-564-7359.

LODGE 6, COTTONWOOD (3) Bridge Update: The bridge on the way to the hall is complete. Spread the good news!

Sunday, April 1—Marek family day Sunday, April 15—RVoS 46 Planning Meeting Friday, April 20—Social Saturday, April 21—Rural school reunion Saturday, April 28—Knapek reunion

Lodge Hall: 700 South Czech Hall Road, West. Directions: 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. Lodge hall is on the right about 1/2 mile down the road. Hall Rental Information: 254-799-8550; Hall Phone: 254-227-8759.

Lodge Meetings: First Sunday of each month, 2 p.m. at the lodge hall. Youth Club Meetings: First Sunday of each month, 1:30 p.m. at the hall. For information, contact Youth Leader Peggy Dobecka 254-799-8550; or dataped@sbcglobal.net.

LODGE 8, WEIMAR (6) Lodge Meetings: Fourth Monday of February, April, June, August, october, and November, 6 p.m. at oakridge Smokehouse Restaurant, Schulenburg.

LODGE 9, SNOOK (1) Lodge Hall: 457 CR 269, Snook. Directions: 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; hall is on the left. Hall Rental Information: 979-272-3732.

Lodge Meetings: First Wednesday of each month, 7 p.m. at the hall. Youth Club Meetings: First Wednesday of each month, 6:30 p.m. at the hall.

LODGE 13, DIME BOX (1) Lodge Hall: 1081 County Road 425, Dime Box. Directions: In Dime Box, turn left from FM 141 on CR 424. Go east on CR 425 for 3/10 mile; hall is on the left. Hall Rental Information: 979-884-1451; Hall Phone: 979-884-1451.

Lodge Meetings: Second Thursday of each month, 7 p.m. at the hall.

LODGE 15, BUCKHOLTS (2) Lodge Hall: 600 State Hwy 190/Hwy 36, Buckholts (historic hexagon-shaped building with a stone entrance. Directions: Hall is located on Hwy 36, east of Buckholts, 1/4 mile east of downtown Buckholts. Hall Rental Information: 254-217-2863. Lodge Meetings: Second Monday of each month, 4 p.m. at the hall. Refreshments served after meeting, and door prizes awarded.

LODGE 17, NEW TABOR (1) Lodge Hall: 2674 CR 225, Caldwell. Directions: From Caldwell, turn from Hwy 36 east onto FM 166. Proceed 2.1 miles and turn left on CR 225. Go 1 mile, veering to the right. Hall is on the right. Hall Rental Information: 979-2723440. Lodge Meetings: First Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 3 p.m. at the hall.

LODGE 18, ELGIN (2) Sunday, April 8—Red Ravens Sunday, April 15—Glen Collins Sunday, May 6—Lost Cause Band Sunday, May 20—Czech Melody Masters

Lodge Hall: 702 Hwy 95 North, Elgin. Lodge 18 is a nonsmoking facility. Hall Rentals/Band Bookings: David Meyer 512-217-0162. Hall phone: 512-285-3100. Lodge Meetings: Third Tuesday of each month, 7 p.m. at the hall.

Lodge Meetings: Youth club meetings are held with the adult meetings, which are the third Tuesday of each month, 7 p.m. at the hall. For information, call Youth Leader David Meyer 512-217-0162.

LODGE 20, GRANGER (2) Lodge Hall: 114 West Davila, Granger. Hall Rental Information: Brenna Bohac 512-859-2584. Lodge Meetings: Second Monday of each month at 6:30 p.m. at the hall. A light meal is served before each meeting. All members are invited. Youth Club Meetings: Second Sunday of each month, 1:30 p.m. at the hall.

LODGE 23, MORAVIA (6) Lodge Hall: FM 957 North, Schulenburg. Located 12 miles south of Schulenburg, in Moravia. Directions: From Hwy 77 between Hallettsville and Schulenburg, take FM 532 West for 4 miles to Moravia. Turn right on FM 957 North; go 1 mile. Hall is on the right. Lodge Meetings: Tuesday after the second Sunday in March, June, and September, 7:30 p.m.; and the first Sunday of December, 3 p.m. at the hall.

LODGE 24, CYCLONE (2) Saturday, April 7—Rogers High School Prom Saturday, April 14—Troy Athletic Boosters Saturday, April 21—Marak Knights of Columbus

Lodge Hall: 411 FM 964, Burlington. Directions: Hall is 12 miles east of Temple, past Zabcikville. Exit Hwy 53 at blinking light to FM 485; go 1 mile to FM 964. Hall Rental Information: Mark or Brenda Maddux 254-985-0002. Hall Phone: 254-985-2393. Lodge Meetings: Second Monday of each month, 7 p.m. at the hall. Youth Club Meetings: Second Sunday of each month, 2 p.m. at the hall.

LODGE 25, ENNIS (3) Saturday, March 31—Rental, birthday party Saturday, April 7—Private rental, wedding Sunday, April 8—Youth meeting, and "After" Easter Egg hunt Thursday, April 12—Lodge supper, meeting, social Saturday, April 14—Private rental, retirement party Saturday, April 21—Rummage sale Wednesday, April 25—Monthly birthday potluck supper

Lodge Hall: 1901 East Hwy 34, Ennis. Hall Rental Information: 972-875-8381. Mail: Po Box 129, Ennis, Texas 75120. Email: SPJSTennis@yahoo.com. Game Room: open every Wednesday, 5:30 p.m.Lodge Meetings: Second Thursday of each month at 7 p.m. in the lodge dining room with supper at 6:30 p.m. followed by a complimentary social in the game room. Youth Club Meetings: First Sunday of each month, 1:30 p.m.

LODGE 28, EAST BERNARD (6) Lodge Meetings: Second Sunday of each month - unless otherwise noted in the Věstník - at 12 noon at Wharton County Library - East Bernard Branch, 746 Clubside Drive, East Bernard. For information, contact Secretary Helen Kelner 281-342-2624.

LODGE 29, TAYLOR (2) Attention: Beginning January 2018, Lodge 29, Taylor Youth Club will hold its meetings on the third Monday of each month at 7:15 p.m. at the lodge hall. For information, call Youth Leader Cristy Girod 512-468-1347.

• All Wednesday, Friday night dances - Free admission • old-fashioned hamburgers served Fridays, 6 to 9 p.m.

Friday, March 30—Last Call, 7:30 to 11:30 p.m.

Wednesday, April 4—Taylor Made Band, 7 to 10 p.m.

Guest musician is Fritz Hodde.

Friday, April 6—Sterling Country Band, 7:30 to 11:30 p.m.

Wednesday, April 11—SPJST Lodge 29, Taylor monthly meeting beginning at 6:30 p.m. Covered dish meal following the meeting.

Friday, April 13—Second Hand Rose Band, 7:30 to 11:30 p.m.

Monday, April 16—SPJST Lodge 29, Taylor Youth Club monthly meeting at 7 p.m at Taylor SPJST Hall.

Wednesday, April 18—Taylor Made Band, 7 to 10 p.m.

Guest musician is Fritz Hodde.

Friday, April 20—Texas Neon Ramblers, 7:30 to 11:30 p.m.

Friday, April 27—old Friends Band, 7:30 to 11:30 p.m.

Lodge Hall: 5025 FM 619, Taylor. Directions: In Taylor, at intersection of State Hwy 95 and US 79 Business (4th Street), turn east on Hwy 79. Proceed to FM 619, turn north (left) and go about .8 mile to the large, 2-story hall. Hall Rental Information: 512-352-9139; Hall Phone: 512-3529139. Lodge Meetings: Second Wednesday of each month, 6:30 p.m. at the hall. Youth Club Meetings: Beginning January 2018, youth club meetings will be held on the third Monday of each month at 7:15 p.m. at the hall. For information, call Youth Leader Cristy Girod 512-468-1347.

Music: First and third Wednesday each month, live music, 7 to 10 p.m.; Friday night dance, 7:30 to 11:30 p.m.

LODGE 30, TAITON (6) Lodge Meetings: First Sunday of each month, 1:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo.

Youth Club Meetings: First Sunday of each month, 2:30 p.m. at Taiton Community Center, 14221 FM 961, El Campo.

LODGE 32, VICTORIA (6) Attention: Beginning in 2018, lodge meetings will be held quarterly - on the second Thursdays: February 8; May 10; August 9; November 8 at Victoria Mall Meeting Room, at 6:30 p.m.

Lodge Meetings: Second Thursday of February, May, August, and November at Victoria Mall Meeting Room, at 6:30 p.m.

LODGE 35, ELK (3) Saturday, March 31—Midnight Mustangs Saturday, April 14—Huser Brothers Saturday, April 28—Gordon Collier Band Saturday, May 12—Lost Heart Highway

Lodge Hall: 9508 Elk Road, Axtell. Directions: From Interstate 35 in Waco, take Hwy 84 East exit. Stay on Hwy 84 East through Bellmead; go approximately 8 miles. on the right side of Hwy 84 will be a sign saying “Elk.” Take the Elk Road. Turn right on Elk Road; go approximately 1 mile; the road will dead end. Turn right at the dead end; go approximately 1/2 mile. Hall is on the left. Hall Rental Information: Gene Pavelka 254-749-3326; Hall Phone: 254-863-9320.

Lodge Meetings: Second Wednesday of each month, 7:30 p.m. at the hall. Sales Agents: James (Dude) Mann 254715-0275 and Gene E. Pavelka 254-749-3326.

LODGE 38, KOVAR (1) Lodge Hall: 278 Zimmerhanzel Road, Flatonia. Hall Rental Information: 512-237-9099/day; 830-8394353/night. Lodge Meetings: Second Monday of each month, 7 p.m. at the hall.

LODGE 39, BRYAN (1) Lodge Hall: Cherry Bend Circle, Lot 12, Bryan. Directions: From Hwy 6, turn west on oSR. Go 2 miles to Mumford Road; turn left. Go 1.1 mile and turn left on Magnolia. Take the first right turn on Cherry Bend Circle. Hall (white building) is at the bend of the road. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall. Lunch at 12:30 p.m. Meat, drinks, and serving items provided by the lodge. Please bring a dessert or side dish. For information, call President Wade o’Shields 979-218-3527; or FAC Ronnie Roesler 979-4060158.

LODGE 40, EL CAMPO-HILLJE (6) Lodge Hall: 30420 Loop 524 US Hwy 59, Hillje. Directions: Hall is just off US 59 in Hillje. Hall Rental Information: Cathy Garcia 979-332-1614; Hall Phone: 979-648-2317. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall. Youth Club Meetings: Second Sunday of each month, 11:30 a.m. at the hall.

VĚSTNÍK

LODGE 41, PORT LAVACA (6) Lodge Meetings: Second Tuesday of February, May, August, and November, 6 p.m. at Six Mile Presbyterian Church, Royal Road, Port Lavaca. For information, call lodge Secretary Mary Sitka 361-552-5170; or email danmarysitka@yahoo.com.

LODGE 47, SEATON (2) Lodge Hall: 10842 State Hwy 53, Temple. Directions: Seaton Star Hall is 7 miles east of Temple on Hwy 53 (Adams Avenue). Star Hall is a non-smoking facility. Hall Rental Information: Edwin Pechal 254-721-2887; Hall Phone: 254-985-2548. Lodge Meetings: First Sunday of each month, 2 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1 p.m. at the hall. Visit www.seatonstarhall.com.

LODGE 48, BEYERSVILLE (2) Lodge Hall: 10450 FM 619, Taylor. Directions: From Taylor, take the South Loop. Turn right on FM 112 and go about 0.8 mile. Turn right on FM 619; continue on FM 619 for approximately 4 miles. Hall is on the right. Hall Rental Information: 512-739-9324. Lodge Meetings: Second Sunday of each month, 5:30 p.m. at the hall except May, June, July and August the meetings will be held on the second Monday of each of these months at 6:30 p.m. Youth Club Meetings: Second Sunday of each month at 5:30 p.m. at the hall.

Lodge Hall: 10450 FM 619, Taylor. Directions: From Taylor, take the South Loop. Turn right on FM 112 and go about 0.8 mile. Turn right on FM 619; continue on FM 619 for approximately 4 miles. Hall is on the right. Hall Rental Information: 512-739-9324. Lodge Meetings: Second Sunday of each month, 5:30 p.m. at the hall except the June meeting, which will be Monday, June 12, 6:30 p.m., and the August meeting, which will be Monday, August 14, 6:30 p.m.

Youth Club Meetings: Second Sunday of each month, 5:30 p.m. at the hall.

LODGE 49, ROWENA (4) Lodge Hall: 706 FM 2133, Rowena. Hall Rental Information: 325-262-3377 - Butch Wood. Lodge Meetings: First Wednesday of February, May, August, and November, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month at 1 p.m. at the hall.

LODGE 51, ELLINGER (1) Lodge Meetings: Third Friday of March, June, September, and December, 6:30 p.m. at Ellinger Fire Department, West Main Street in Ellinger.

LODGE 54, WEST (3) Lodge Meetings: First Friday in March, June, and November, and the second Friday in September, 7 p.m. at St. Joseph Hall, 303 South Harrison Street in West.

LODGE 63, SWEET HOME (6) Lodge Meetings: Third Thursday of the month, 7 p.m. For meeting location, call Lodge Secretary Ann Moseley 361594-8429.

LODGE 66, WACO (3) Lodge Meetings: Date, time, location TBA in the lodge’s monthly meeting minutes that appear in the Věstník. For information, call 254-799-4247.

LODGE 67, SCHULENBURG (1) Lodge Meetings: Third or fourth Sunday of March, June, September, and December (Christmas) at oakridge Smokehouse Restaurant in Schulenburg, 2 p.m. To confirm meeting date/s, call Ernest Kutac 979-561-7190.

LODGE 73, SEYMOUR (4) Lodge Meetings: First Sunday of each month, 12 p.m. unless otherwise noted. For meeting location, call Alice orsak 940-889-2391.

LODGE 76, WICHITA FALLS (4) Lodge Meetings: Second Sunday in March, June, September, and December, 1 p.m. at Luby’s Cafeteria, 1801 Ninth Street in Wichita Falls. For information, contact Diana Ibarra 940-224-7383.

LODGE 79, CORPUS CHRISTI (7) Lodge Meetings: Third Sunday of each month, 1 p.m. at the Sokol Hall, 5502 Kostoryz Road, Corpus Christi. Meal served at 1 p.m.; meeting follows. Visitors welcome. Youth Club Meetings: Third Sunday of each month, 2 p.m. at Sokol Hall, 5502 Kostoryz Road, Corpus Christi.

LODGE 80, HOLLAND (2) Note: Meetings are held bi-monthlty. Watch the Věstník for dates/times of lodge and board meetings.

Lodge Hall: 12141 East FM 2268, Holland. Directions: on Hwy 95, south of Holland, turn east on FM 2268. Go 1/2 mile to hall, which is on the right. Hall Phone: 254-657-2485.

Lodge Meetings: Held bimonthly. Youth Club Meetings: Second Wednesday of each month at 6 p.m. at Youth Leader Connie Horak’s home; call 254-541-9165 for address. Board of Directors’ Meetings: Watch the Věstník for dates/times. Bingo: Every Thursday, 7 p.m. Permit No. SP12371416574; AL17460607355.

VĚSTNÍK

LODGE 81, NEEDVILLE (5) Lodge Hall: 13609 Hwy 36, Needville. Directions: Hall is located at the corner of Hwy 36 and FM 361, 1 mile from the traffic light in Needville. Hall Manager/Bookings: Dan Natho 979-618-1426. Hall Phone: 361-793-4742. Lodge Meetings: Third Sunday of each month, 1 p.m. at the hall.

Youth Club Meetings: Contact Youth Leader Madeline Gadway 979-900-9566; or madeline.gadway@gmail.com.

LODGE 84, DALLAS (3) Lodge Meetings: Third Sunday of each month, 2 p.m.

Meeting location will be posted in the Věstník. Youth Club Meetings: Held one hour before the adult lodge meeting unless otherwise noted. Contact Youth Leader Lynda Novak 972-948-4456.

LODGE 87, TEMPLE (2) Lodge Hall: 320 North 50th Street, Temple. Directions: From East Adams Avenue, turn north onto 50th Street; go 2/10 mile. Hall is on the left. Lodge Meetings: Third Tuesday of each month, 7 p.m. at the hall.

LODGE 88, HOUSTON (5) Lodge Hall: 1435 Beall Street at West 15th, Houston (the Heights). Directions: Hwy 290—Take Mangum Dacoma exit; stay on frontage road. At third traffic light, turn left onto 18th Street. Go under freeway at third traffic light, turn on Beall Street. Hall Rental Information: Hall: 713-869-5767; or visit www.lodge88.org. Lodge Meetings: Third Monday, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 2 p.m. at the hall. Bingo: Every Thursday evening; early bird special starts at 7 p.m. Regular games start at 7:30 p.m. License No. 17407503501. All dances are held from 8 to 11:30 p.m., unless otherwise noted.

Reservations suggested, but not required, unless otherwise noted. Reservations held only 30 minutes past start of dance. For reservations, call 713-869-5767, Monday through Friday, 9 a.m. to 3 p.m. Beer, set-ups, soda, and ice sold at bar. Please do not bring from outside. *Dress Code dances: evening attire for ladies and gentlemen.

LODGE 91, SAN JACINTO (5) Lodge Meetings: quarterly meetings - TBA in the Věstník.

For information, contact Lodge Secretary Vonda Smesny 832-694-8762.

LODGE 92, FORT WORTH (3) Lodge Hall: 3316 Roberts Cut off Road, Fort Worth 76114. Directions: From IH-35 West in Fort Worth, take IH30 West to the Henderson exit. Take Henderson North; it becomes Jacksboro Hwy (Tx 199). Stay on this road north until Roberts Cut off, which is a right off of Jacksboro Hwy. Hall also known as National Hall - is on the right about 2 or 3 blocks down the road. Great Western Inn Motel is on the corner. Hall Event/Rental Information: Call National Hall Events Manager Jon Durham 817-624-1361. Visit Lodge 92 website www.nationalhallfortworth.com. Lodge Meetings: Second Sunday of each month, 2 p.m. at the hall.

Youth Club Meetings: Second Sunday of each month, 2 p.m. at the hall. Game Nights: Second and fourth Tuesdays of each month. Ladies Circle: Meets the second Tuesday of each month. Randy and the 92nd Road House Band plays every first Sunday. Dressy casual.

LODGE 97, PLACEDO (6) Attention: For 2018, Lodge 97, Placedo, quarterly meetings will change to the third Thursday; the dates are March 15, June 21, and September 20. For time and location, call Secretary Judy Bellanger 361-576-2935.

Lodge Meetings: March, June, and September. For date, time, and location, call Secretary Judy Bellanger 361-5762935.

LODGE 107, FLORESVILLE (7) Lodge Hall: 1156 FM 1303, Floresville. Directions: From Floresville, take FM 536 West for 3 miles to FM 1303; turn right and go 2 miles. Hall is on the right. Hall Rental Information: 830-393-7796. Lodge Meetings: Second Sunday of each month, 3 p.m. at the hall.

LODGE 117, ROBSTOWN (7) Lodge Meetings: First Saturday of March, June, September, and December, 1:30 p.m. at Hilltop Community Center, 11425 Leopard, Corpus Christi.

LODGE 130, DALLAS (3) Lodge Meetings: For monthly meeting date, time, and location, contact President/Sales Agent John Vrla 214-9063385 or email jvrla@cebridge.net.

LODGE 133, SAN ANTONIO (7) Sunday, July 15—Lodge 133 quarterly meeting, 2 p.m.

Sunday, October 21—Lodge 133 Thanksgiving luncheon/quarterly meeting, 12:30 p.m.

Sunday, December 9—Lodge 133 Christmas luncheon/quarterly meeting, 12:30 p.m.

Lodge Meetings: 2018 quarterly meetings are held in March, July, october, and December at Good Shepherd Lutheran Church Activity Center, 1630 Goliad Road, San Antonio. For information, contact President Jarolyn Popp 830-964-5135.

LODGE 135, ENNIS (3) Lodge Meetings: Third Thursday of January, April, July, and october, 7 p.m. at Sokol hall, 2622 East Hwy 34, Ennis.

Directions: From IH-35 East at Waxahachie, take Hwy 287 East exit. Stay Hwy 287 on until you come to Ennis. Go straight through downtown Ennis and under the overpass at IH-45. Then go approximately 1 3/4 miles on Hwy 34.

Sokol Hall is on the left.

LODGE 139, DANBURY (5) Lodge Meetings: Second Tuesday of each month at 11 a.m. at The Smith Group Building, 1718 Main Street, Danbury. For information, call 979-922-1279; or 979-922-1553.

LODGE 141, SEALY (1) Lodge Meetings: Second Tuesday of each month at 6 p.m. at Gordon Memorial Library, 917 North Circle Drive, Sealy.

LODGE 142, HOUSTON (5) Attention: Lodge 142, Houston will hold its meetings on the third Sunday of each month except in December which is the second Sunday at 2 p.m. - unless otherwise noted; meal served at 1 p.m. Meetings are held at SPJST Lodge 88, Houston, 1435 Beall Street at West 15th, Houston (the Heights) in the annex building - unless otherwise noted. For information, contact Lodge142 President Keith Kieschnick 832-627-2842; or Secretary Elizabeth Hermis 281-787-8717. Youth club meetings will be held on the same date, time, and location as the adult lodge meetings - unless otherwise noted. For information, call Youth Leader Catherine Manchack 832-443-0469.

Lodge Meetings: Third Sunday of each month except in December which is the second Sunday at 2 p.m. - unless otherwise noted; meal served at 1 p.m. Meetings are held at SPJST Lodge 88, Houston, 1435 Beall Street at West 15th, Houston (the Heights) in the annex building - unless otherwise noted. For information, contact Lodge142 President Keith Kieschnick 832-627-2842; or Secretary Elizabeth Hermis 281-787-8717. Youth Club Meetings: Held the same date, time, and location as the adult lodge meetings - unless otherwise noted. For information, call Youth Leader Catherine Manchack 832-443-0469.

LODGE 148, EL MATON (6) Lodge Meetings: Second Sunday of each month, 3 p.m. at Frank Hahn’s Camphouse in El Maton. Youth Club Meetings: Second Sunday of each month following the adult lodge meeting at Frank Hahn’s Camphouse in El Maton.

LODGE 151, WHARTON (6) Lodge Meetings: Second Monday of March, June, September, and December, 6:30 p.m. at Wharton Depot Museum, 100 South Sunset Street, Wharton. For information, call 979-532-5884.

LODGE 154, FORT WORTH (3) Lodge Hall: 6500 Boat Club Road, Fort Worth. Directions: From IH-35 West in Fort Worth, take IH-20 West exit. Stay on IH-20 West until you come to 820; stay on 820 until you come to Jacksboro Hwy and Azle Street exit. Take Azle Street exit; go to the traffic light. Turn left at the traffic light.

Go to the second traffic light then turn right onto Boat Club Road. Go approx. 2 1/2 miles. Hall is on the right. Hall Rental Information/Hall Phone: 817-237-5181. Lodge Meetings: Third Sunday of each month, 3:30 p.m. at the hall. Youth Club Meetings: Third Sunday of each month, 5 p.m. at the hall.

LODGE 155, AUSTIN (2) Lodge Meetings: First Sunday of March, June, September, and December. For meeting time/location, call Secretary Ginny Prasatik 512-472-1721.

LODGE 157, LUBBOCK (4) Lodge Meetings: Second Sunday of every other month, 1 p.m. For meeting location, contact Secretary Cynthia Kristinek 806-763-7245; or via cjkristinek@yahoo.com.

LODGE 160, SAN ANGELO (4) Lodge Meetings: Third Wednesday of February, May, and August. The November meeting is held the third Sunday.

Watch the Věstník for meeting time/location. For information, contact President Sandra Jansa 325-651-8045 or sandra.jansa@hotmail.com.

LODGE 162, IOWA COLONY (5) Lodge Meetings: First Sunday of each month, 5 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony. Youth Club Meetings: First Sunday of each month, 5 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony.

LODGE 169, BRENHAM (1) Lodge Meetings: Fourth Thursday in February, April, June, August, october, 6:30 p.m. at Texas Seafood and Steakhouse, 2209 South Market Street, Brenham. (December meeting/social information will be announced at a later date.) Lodge Information: Call Stephen Bliznak 979-2514150; or Lenora Bliznak 979-277-8845.

LODGE 172, PASADENA (5) Note: Lodge 172 has closed its doors, and the building has gone up for sale. Until further notice, we only open the doors for our monthly lodge meetings, held the fourth Sunday of each month, 2 p.m. For information, contact Jo 713-628-3007. Lodge Hall: 3609 Preston Road, Pasadena. Hall Phone: 713-487-3297. Regular Lodge/Covered Dish Meetings: Fourth Sunday of each month, meal, 1 p.m. followed by meeting, 2 p.m. with the exception of November and December, as noted.

LODGE 177, ACADEMY (2) Attention: Beginning in 2018, lodge meetings will be held on the second Wednesday of every other month.

Meetings will be in February, April, June, August, October, and December at 5:30 p.m.

Lodge Hall: 711 Rio Poco, Little River. Directions: Hall is on the south side of Academy, just off Hwy 95, on the right.

Hall Rental Information: 254-982-4530. Hall Phone: 254982-4434. Lodge Meetings: Second Wednesday of every other month at the hall. Board of Trustees meet at 5 p.m.; lodge meeting follows at 5:30 p.m. Bingo: Every Tuesday and Friday at 7 p.m. Doors open at 5:30 p.m.; kitchen is open.

LODGE 179, WARRENTON (1) Lodge Meetings: Second Thursday of each month, 7 p.m. at Carmine Lions Club Building, 201 Centennial Street, Carmine. For information, contact Melissa Wickel 979-2497393.

LODGE 180, BURLESON (3) Lodge Meetings: First Tuesday of each month at the Burleson Police Department Building - Community Room, 1161 S. W. Wilshire, Burleson, 6:15 p.m. For information, call 817-905-2097 or 972-268-0022.

LODGE 181, CONROE (5) Lodge Meetings: Lodge meeting location/time will be announced in the Věstník. For further information, contact President Barbara Williams-Rash 936-295-7778; email b.d.willrash@att.net; Vice President Chuck Toney 281-3629062; email cdtiii@toney.us; or Treasurer Patsy McClelland 936-788-5714; or email pmcclelland@consolidated.

LODGE 182, FALLS COUNTY (2) Lodge Meetings: Second Sunday of each month, 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin. Youth Club Meetings: Same time and place as adult lodge meeting.

LODGE 183, ARLINGTON (3) Lodge Hall: 3100 Pleasant Valley Lane, Arlington. Directions: Take IH-35 West to Fort Worth. Take IH-20 East exit and proceed on IH-20 East until you come to Cooper Street exit. Take Cooper Street exit to the North. Stay on Cooper Street until you come to Mayfield Street. Turn right on Mayfield; go down and turn left on Pleasant Valley Lane. Hall Rental Information: Hall Phone: 817-465-8538; 214-8769029. Lodge Meetings and Family Night: Third Sunday of each month at 4 p.m. at the hall. Youth Club Meetings: Last Friday of each month, 7 p.m. at the hall. Game Nights are every Tuesday and Thursday, 7 p.m. and every Sunday, 1:30 p.m. Permit No. 17516910506

LODGE 184, MOULTON (6) Lodge Hall: FM 532 West, Moulton. Directions: From Texas 95 in Moulton, take FM 532 West for 4 miles. Hall is located on the right. Lodge Meetings: Second Tuesday of February, May, August, and November, 7 p.m. at the hall.

LODGE 185, NEW BRAUNFELS (7) Lodge Meetings: Every other month - February, April, June, August, october, and December. Call for meeting date, time, and location. Youth Club Meetings: Call Youth Leader Theresa Haag 830-625-8262 for meeting date, time, and location.

LODGE 186, CALDWELL (1) Lodge Hall: 937 State Hwy 36, Caldwell. Directions: Hall is just off Hwy 36 on the south side of Caldwell, next to Burleson County Fairgrounds. Hall Rental Information: 979-567-4264. Lodge Meetings: Second Tuesday of each month, 6:30 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 2:30 p.m. at the hall. Social games: Every Monday, Wednesday, and Saturday, 7:30 p.m.

Kitchen and bar open. License Permit No. 1-74-2073309541002.

LODGE 187, ROUND ROCK (2) Lodge Hall: 920 Luther Peterson Place, Round Rock. Directions: From Taylor, take Hwy 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 University Boulevard. Proceed to stop sign. Take left on University Boulevard. The third street is Sunrise. Turn right onto Sunrise. The second street to the right will be Luther Peterson Boulevard. Hall Rental Information: 512-255-1554; 512-771-4948. Lodge Meetings: Second Sunday of each month, beginning at 2 p.m. at the hall, followed by entertainment and potluck meal.

LODGE 189, BRYAN-COLLEGE STATION (1) Lodge Meetings: Second Sunday of March, June, September, and December, 2 p.m. at (unless otherwise noted) C and J Barbecue, 1010 South Texas Avenue in Bryan.

LODGE 191, LUFKIN (5) Lodge Hall: 197 Hughes Road, Lufkin. Hall Rental Information/Dance Reservations: George Scogin 936-8752867. Lodge Meetings: Monday night before the third Friday night of the month, 7 p.m. at the hall. Regular Dances: Third Friday night of each month, 7 to 10 p.m.

Please continue to bring finger foods for the snack table.

Wednesday, March 28, 2018

15

LODGE 196, HOUSTON-WEST (5) Attention: April and May meeting dates for Lodge 196, Houston-West have been moved. Meetings will be Sunday, April 15 and Sunday, May 6. Potluck lunch begins at 1 p.m., and the meeting starts at 2 p.m. for both dates. Please make a note of these changes so that you do not miss out on the fun, food, and fellowship.

Sunday, April 15—Lodge meeting: Potluck lunch begins at 1 p.m.; meeting starts at 2 p.m.

Sunday, May 6—Lodge meeting: Potluck lunch begins at 1 p.m.; meeting starts at 2 p.m.

Lodge Hall: 17810 Huffmeister Road, Cypress. Directions: off Hwy 290 West at Skinner. Hall Phone: 281-3739482; email spjstlodge196@gmail.com. Lodge Meetings: Second Sunday of each month, 1 p.m. at the hall; covered dish meal served - unless otherwise noted. For information, call Cadance Wager 713-515-2835. Youth Club Meetings: Contact Youth Leader Cadance Wager 713-515-2835.

LODGE 200, BRUCEVILLE-EDDY (2) Lodge Meetings: First Wednesday of each month, 6:30 p.m. at Taylor Hall, 100 4th Street, Eddy. For information, contact President Allen Trigg, Sr. 254-624-5152.

LODGE 201 BLEIBLERVILLE-NELSONVILLE (1) Lodge Hall: 3948 FM 2502, Bleiblerville. Directions: Hall is across the street from the post office in Bleiblerville.

Lodge Meetings: Second Sunday of each month, 3 p.m. at the hall.

LODGE 202, JOURDANTON (7) Lodge Meetings: First Sunday at 2 p.m.; except in September and December, meetings are held on the second Sunday at 1 p.m. at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton. Youth Club Meetings: First Sunday at 1:15 p.m. except in September and December, meetings are held on the second Sunday at 1 p.m. at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton.

LODGE 207, IOWA PARK (4) Lodge Meetings: Third Thursday of each month, 6 p.m.

For meeting location, call Secretary Mary Hatter 940-3228503.

LODGE 215, SOUTH PLAINS (4) Lodge Meetings: Second Saturday of January, March, May, July, and September, 6:30 p.m. at Tahoka Housing Authority (small room - 1400 Ave K). For any questions, call Secretary Pam Lehmann 806-535-8356. Youth Club Meetings: For location/time, contact Youth Leader Janeece Williams 806-990-3351.

LODGE 219, EL PASO (4)

Attention: 2018 Lodge meetings will be held the first Thursday of every month at 6 p.m. For meeting location, please contact Nirma Bustamante at 915-726-4485.

Lodge Meetings: Second Wednesday of each month, 9 a.m. For meeting location, call Secretary Edna Rivas 915727-2048.

LODGE 229, ABILENE (4) Lodge Meetings: Second Tuesday of February, May, August, and November, 6 p.m. at Rosa’s Cafe and Tortilla Factory, 1026 North Judge Ely Boulevard, Abilene. For information, contact Secretary Tammy Copeland 325-6720577 or 325-721-5127.

LODGE 232, HOUSTON MIDTOWN (5) Lodge Meetings: Meetings are held the third Tuesday of every other month for January, March, May, July, September, and November, 6:30 pm. at Czech Cultural Museum Houston, 4920 San Jacinto, Houston. For information, contact Secretary Catherine Anderson 713-726-1928.

LODGE 246, MORGAN’S POINT (2) Saturday, May 5—Meeting/Volunteer Day at SPJST Car Show at Lodge 47, Seaton Star Hall

Lodge Meetings: Unless otherwise announced, second Tuesday of January, March, May, July, September, and November, 11:30 a.m. For meeting location, call President James L. Lee, III 254-289-6816; or Secretary Melanie Zavodny 254-534-0807.

LODGE 258, SEGUIN (7) Lodge Meetings: For meeting date, location, and time, contact President Chester Jenke 210-413-3053 or Treasurer Colleen Jenke 210-215-9494.

—SPJST—

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Home Office: 520 North Main Temple, Texas 76501 800-727-7578 info@spjst.org www.spjst.org

SPJST Mission

Rates effective until April 30, 2018

Insuring and enriching lives.

Are you considering opening an IRA SPJST Vision or making an IRA contribution before April 17?

Our vision is to provide Consider an SPJST Qualified Flexible Annuity. a wholesome family Avoid market risk with: • No upfront fees • Guaranteed principal and interest rate

Qualified and Non-Qualified Flexible Annuities 3.00% current rate • 1.50% guaranteed rate

Call your SPJST Sales Agent today!

SPJST Home Office • 800-727-7578

environment; to encourage cherished Czech traditions; and to provide high quality, competitive life insurance for our members.

Lifetime income A lifetime immediate annuity converts an investment into a stream of payments that last as long as you do. In concept, the payments come from three “pockets”: Your investment, investment earnings and money from a pool of people in your group who do not live as long as actuarial tables forecast.

It’s the pooling that’s unique to annuities, and it’s what enables annuity companies to be able to guarantee you a lifetime income.

Benefits to your heirs There is a common misconception about annuities that goes like this: if you start an immediate lifetime annuity and die soon after that, the insurance company keeps all

2018 SPJST Life Insurance and Annuity Extra

of your investment in the annuity. That can happen, but it doesn’t have to. To prevent it, buy a “guaranteed period” with the immediate annuity. A guaranteed period commits the insurance company to continue payments after you die to one or more beneficiaries you designate; the payments continue to the end of the stated guaranteed period—usually 10 or 20 years (measured from when you started receiving the annuity payments). Moreover, annuity benefits that pass to beneficiaries don’t go through probate and aren’t governed by your will.

Source: Insurance Information Institute, http://www.iii.org/ individuals/annuities/

How are annuities different from life insurance?

Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in the event you die too soon and an annuity in case you live too long.

In other words, life insurance provides economic protection to your loved ones if you die before your financial obligations to them are met, while annuities guard against outliving your assets.

—SPJST—

Why should I consider purchasing an annuity?

Annuities can serve many useful purposes. If you are in a saving-money stage of life, a deferred annuity can:

• Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to these plans and to IRAs are limited, and they might not add up to enough for the retirement income you need, especially if you started saving for retirement late or had contributions interrupted— perhaps due to job changes and/or family responsibilities. Moreover, your social security and defined-benefit pension (if you have one) may provide less than you need to retire. Remember that the purchasing power of defined-benefit pension income is eroded by inflation.

• Help you diversify your investment portfolio. Investment experts routinely advise that, to get the best return for a given level of risk, you should diversify your investments among a number of asset classes.

Fixed annuities, in particular, offer a unique asset class—an investment that is guaranteed not to decrease and that will actually increase at a specified interest rate (and, often, potentially more). The guarantees are supported by the claims-paying ability of the insurer.

• Help you manage your investment portfolio. Investment experts routinely advise

that, whenever your investments in various asset classes get too far from the percentage allocations you prefer, you “rebalance” to the original formulation, by shifting funds from the classes that have grown faster to the ones that have grown more slowly. If you do this with mutual funds, you pay capital gains taxes; if you do it in a variable annuity, you don’t pay capital gains taxes.

When you eventually withdraw money from the annuity (which could be many years after the rebalancing), you pay tax then at the ordinary income rate.

If you are in a need-income stage of life, an immediate annuity can:

• Help protect you against outliving your assets. Social security pays retirement income for as long as you live, as do definedbenefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity.

• Help protect your assets from creditors.

Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities.

Source: Insurance Information Institute, http://www.iii.org/ individuals/annuities/

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Comparing Deferred and Immediate Annuities

There are two main types of life insurance—term and whole life—and two main types of annuities—deferred and immediate.

Life Insurance

Main Reason For Buying It: Pays Out When: Typical Form Of Payment:

Buyer’s Age When It Is Typically Bought: Does It Accumulate Money Tax-Deferred?

Annuities

Whole Life

Deferred Annuities

You die, borrow the cash value or surrender the policy

You make withdrawals

Single sum

Single sum or income

25-50

30-60

40-65

55-80

No

Yes

Yes

Yes, but only in the early payout years

Term Life

Provide income for dependents You die Single sum

Immediate Annuities

Provide income for To accumulate To assure you don’t dependents money in a tax“outlive your income” or meet estate deferred product planning needs

Does It Pay A Death Benefit?

Yes

Yes

Yes

Are Benefits Taxable Income When Received?

No

No, unless a cash value withdrawal exceeds the sum of premiums

Yes, but only the part derived from investment income

One period after you buy the annuity, stops paying when you die* Lifetime income

*payments continue if the annuity has a guaranteed-period option that hasn’t expired at the annuitant’s death

Yes, but only the part derived from investment income

Article and Chart Source: Insurance Information Institute, http://www.iii.org/articles/how-are-annuities-different-from-life-insurance.html)

the different types of annuities: fixed vs. variable

In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value.

The growth of the annuity’s value and/or the benefits paid may be fixed at a dollar amount or by an interest rate, or they may grow by a specified formula. The growth of the annuity’s value and/or the benefits paid does not depend directly or entirely on the performance of the investments the insurance company makes to support the annuity. Some fixed annuities credit a higher interest rate than the minimum, via a policy dividend that may be declared by the company’s board of directors, if the company’s actual investment, expense and mortality experience is more favorable than was expected. Fixed annuities are regulated by state insurance departments.

Money in a variable annuity is invested in a fund—like a mutual fund but one open only to investors in the insurance company’s variable life insurance and variable annuities. The fund has a particular investment objective, and the value of your money in a variable annuity—and the amount of money to be paid out to you—is determined by the investment performance (net of expenses) of that fund. Most variable annuities are structured to offer investors

many different fund alternatives. Variable annuities are regulated by state insurance departments and the federal Securities and Exchange Commission.

Types of Fixed Annuities An equity-indexed annuity is a type of fixed annuity, but looks like a hybrid. It credits a minimum rate of interest, just as a fixed annuity does, but its value is also based on the performance of a specified stock index—usually computed as a fraction of that index’s total return.

A market-value-adjusted annuity is one that combines two desirable features—the ability to select and fix the time period and interest rate over which your annuity will grow, and the flexibility to withdraw money from the annuity before the end of the time period selected. This withdrawal flexibility is achieved by adjusting the annuity’s value, up or down, to reflect the change in the interest rate “market” (that is, the general level of interest rates) from the start of the selected time period to the time of withdrawal.

Other Types of Annuities All of the following types of annuities are available in fixed or variable forms.

Deferred vs. immediate annuities A deferred annuity receives premiums

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and investment changes for payout at a later time. The payout might be a very long time; deferred annuities for retirement can remain in the deferred stage for decades.

An immediate annuity is designed to pay an income one time-period after the immediate annuity is bought. The time period depends on how often the income is to be paid. For example, if the income is monthly, the first payment comes one month after the immediate annuity is bought.

Fixed period vs. lifetime annuities A fixed period annuity pays an income for a specified period of time, such as 10 years. The amount that is paid doesn’t depend on the age (or continued life) of the person who buys the annuity; the payments depend instead on the amount paid into the annuity, the length of the payout period, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the pay-out period.

A lifetime annuity provides income for the remaining life of a person (called the “annuitant”). A variation of lifetime annuities continues income until the second one of two annuitants dies. No other type of financial product can promise to do this. The amount that is paid depends on the age of the annuitant (or ages, if it’s a two-life annuity), the amount paid into the annuity, and (if it’s a fixed annuity) an interest rate that the insurance company believes it can support for the length of the expected pay-out period.

With a “pure” lifetime annuity, the payments stop when the annuitant dies, even if that’s a very short time after they began.

Many annuity buyers are uncomfortable at this possibility, so they add a guaranteed period—essentially a fixed period annuity— to their lifetime annuity. With this combination, if you die before the fixed period ends, the income continues to your beneficiaries until the end of that period.

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Qualified vs. nonqualified annuities A qualified annuity is one used to invest and disburse money in a tax-favored retirement plan, such as an IRA or Keogh plan or plans governed by Internal Revenue Code sections, 401(k), 403(b), or 457. Under the terms of the plan, money paid into the annuity (called “premiums” or “contributions”) is not included in taxable income for the year in which it is paid in. All other tax provisions that apply to nonqualified annuities also apply to qualified annuities.

A nonqualified annuity is one purchased separately from, or “outside of,” a tax-favored retirement plan. Investment earnings of all annuities, qualified and non-qualified, are tax-deferred until they are withdrawn; at that point they are treated as taxable income (regardless of whether they came from selling capital at a gain or from dividends).

Single premium vs. flexible premium annuities A single premium annuity is an annuity funded by a single payment. The payment might be invested for growth for a long period of time—a single premium deferred annuity—or invested for a short time, after which payout begins—a single premium immediate annuity. Single premium annuities are often funded by rollovers or from the sale of an appreciated asset.

A flexible premium annuity is an annuity that is intended to be funded by a series of payments. Flexible premium annuities are only deferred annuities; that is, they are designed to have a significant period of payments into the annuity plus investment growth before any money is withdrawn from them.

Source: Insurance Information Institute, http://www.iii.org/articles/what-are-thedifferent-types-of-annuities.html

what are surrender fees?

If you take money out of an annuity, there may be a penalty called a surrender fee or a withdrawal charge. This fee is higher if you withdraw funds within the first years of an annuity contract. The penalty, however, drops gradually each year. Since immediate annuities are purchased to provide income, they usually can’t be “surrendered” and will therefore not be subjected to a fee.

A typical surrender fee schedule could be: • 7 percent if you withdraw funds in the first year, • 6 percent in the second year, • 5 percent in the third year, • 4 percent in the fourth year, • 3 percent in the fifth year, • 2 percent in the sixth year, • 1 percent in the seventh year, and • 0 in the eighth year and beyond.

The purpose of the fee is to allow the insurer enough time to recover its expenses, largely commissions, in setting up the annuity contract. It also serves to discourage annuity buyers from using deferred annuities as short-term investments for quick cash.

Some contracts may permit you to pull out a portion of the funds annually, usually up to 10 percent without a surrender charge.

If this option is important to you, ask your insurance agent or company representative about this before deciding to invest your money in a specific annuity. Also, ask if there may be any other fees or charges.

Source: Insurance Information Institute, http://www.iii.org/articles/what-are-surrender-fees.html

What is the difference between a fixed and variable annuity?

Fixed annuities pay a “fixed” rate of return. When you receive payments, the monthly payout is a set amount and is guaranteed. Fixed annuities may be a good choice for: • Conservative investors who value safety and stability.

• Those nearing retirement age who want to shelter their assets from the volatility of the stock or bond market.

With variable annuities, you can invest in a variety of securities including stock and bond funds. Stock market performance determines the annuity's value and the return you will get from the money you invest. The amount of risk you are willing to assume should influence the

kind of funds you select.

You may want to consider a variable annuity if you are:

• Comfortable with fluctuations in the stock market and want your investments to keep pace with inflation over a long period of time.

• Young and want to prepare financially for retirement by reaping the gains in the stock or bond market over the long term.

Source: Insurance Information Institute, http://www.iii.org/articles/what-is-thedifference-between-a-fixed-and-variable-annuity.html

what are deferred and immediate annuities?

Deferred Annuity This type of annuity is good for longterm retirement planning for the following reasons: • Payments on income taxes are deferred until you withdraw the money.

• Unlike a 401(k) or an IRA, there are no limits on your annual annuity contributions.

• There is a death benefit. If you die before collecting on the annuity, your heirs get the amount you contributed, plus investment earnings, minus whatever cash withdrawals you made.

Immediate Annuity This allows you to convert a lump sum of money into an annuity so that you can immediately receive income. Payments generally start about a month after you purchase the annuity. This type of annuity offers financial security in the form of income payments for the rest of your life. In other words, you cannot outlive it.

Immediate annuities allow you to:

• Supplement your current income. If you are nearing retirement, you may consider transferring another savings or investment account into an immediate annuity. You can also move the proceeds from a deferred annuity into an immediate annuity.

• Pay taxes only on the portion of your immediate annuity payments that is considered earnings. You are not taxed on the portion that is principal. The principal is the initial deposit made with funds that have already been taxed.

Like deferred annuities, immediate annuities can be fixed or variable. Fixed immediate annuity income payments are pegged to the amount you contribute, your age and the interest rate at the time of purchase. Those payments to you will not go up or down. Variable immediate annuity payments vary with the investments you chose.

Source: Insurance Information Institute, http://www.iii.org/articles/what-are-deferredand-immediate-annuities.html

2018 SPJST Life Insurance and Annuity Extra

SPJST Annuities

Straight Annuity • 5-Year Annuity • 10-Year Annuity Single Premium Annuity • Traditional IRA • Roth IRA

What is an SPJST Annuity?

An annuity is a contract between the member and SPJST. The object of an annuity is cash accumulation. Annuities are not life insurance. An annuity has a beneficiary provision, but the only benefit paid at death is the total of the funds accumulated at that point, unless other provisions have been made.

The member contributes funds to the SPJST annuity in lump sums or premiums over time. These funds accumulate tax-deferred compound interest until a specified maturity date. At maturity, the member can receive the funds either in a lump sum, payments over a certain time period, or even equal payments guaranteed for the rest of the member’s life.

Two Types of Annuities are available: Deferred or Immediate.

Deferred annuities enable the member to contribute funds through tax-deferred accumulation over a period of time. This is called the accumulation period. The accumulation period continues until the maturity date, at which time the payout period begins. The maturity date is usually set at age 65 or later, but can be changed at any time.

After the maturity date, the payout period is when SPJST distributes the accumulated funds to the member according to the member’s wishes, whether it is a lump sum, distributions for a set period of time, or lifetime options that the member cannot outlive.

SPJST has three deferred annuities: Flexible Premium Annuity 5-Year Annuity 10-Year Annuity

The Flexible Premium Annuity accumulates interest that is reviewed quarterly, but can never go below a guaranteed minimum rate. The 5-Year Annuity and 10-Year Annuity have guaranteed locked-in rates for a full five years or 10 years.

Immediate annuities work just like deferred annuities except there is no accumulation period. The member contributes a lump sum of funds ($10,000 minimum), and the payout period begins immediately.

SPJST Annuities offer benefits not found in other tax-qualified plans {such as 401(k) plans}. First, there is no IRS contribution limitation. SPJST members can contribute any amount (within reason) to an annuity. Second, SPJST annuities do not require vesting. SPJST guarantees that the total amount of funds (principal plus interest) will be paid directly to the beneficiary upon the death of the member in the accumulation period.

SPJST Flexible Annuities are used to fund Individual Retirement Arrangements (IRA), both Traditional and Roth.

More IRA information follows in this section.

••••••••••••

All Flexible Annuities Straight Annuity Traditional IRA Roth IRA

Eligibility Requirements SPJST members (life insurance certificate holders) are eligible and may purchase an annuity with a $100 minimum contribution.  Exceptions Any individual under 70 years of age must apply for an SPJST life insurance certificate, but if uninsurable or rated above standard, the individual may become a member with the purchase of an annuity in an amount of $1,000 minimum.

Any individual under 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $5,000 minimum.

Any individual over 70 years of age regardless of insurability may become a member with the purchase of an annuity in an amount of $1,000 minimum.  Issue Ages Flexible Premium Annuity 0 to 85 years Single Premium Immediate 0 to 90 years Issue age may be extended with prior approval and arrangement with SPJST Supreme Lodge Vice President. If issue age is more than 70, agent commissions will be affected.

Current Minimum Guaranteed Interest Rate: 1.50% as of March 28, 2018 Current Interest Rate: 3.00% as of March 28, 2018

Withdrawals or Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first seven certificate years (or the maturity date). The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year —10% 2nd year—9% 3rd year—8% 4th year —7% 5th year—6% 6th year—4% 7th year—2% 8th year and later—No Charge

Free Withdrawal The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

The member may withdraw up to 50 percent of the total accumulated amount in the annuity within 90 days of either of the following events with no SPJST penalty: Total Disability and/or Nursing Home Residency.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

••••••••••••

SPJST 5-Year Annuity

Eligibility Requirements Same as Flexible Annuities

Issue Ages 0 to 90 years. Issue age may be extended with prior approval and arrangement with SPJST Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected.

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Current Minimum Guaranteed Interest Rate: 1.50% as of March 28, 2018

Current Interest Rate Similar to Certificates of Deposit, the 5-Year Annuity rates change periodically, but once a member opens a 5-Year Annuity, the then-current rate will be locked in for five years.

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first five certificate years.

The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year—8% 2nd year—7% 3rd year—6% 4th year—5% 5th year—4% End of 5th Year—No Charge

At the end of the fifth year, the member may choose to withdraw funds, or simply let the annuity renew for another 5-Year Annuity with the then-current rates and SPJST withdrawal charges.

Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

••••••••••••

SPJST 10-Year Annuity

Eligibility Requirements Same as Flexible Annuities.

Issue Ages 0 to 85 years. Issue age may be extended with prior approval and arrangement with SPJST Supreme Lodge Vice President. If issue age is more than 70 years, agent commissions will be affected.

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Current Minimum Guaranteed Interest Rate: 1.00% as of March 28, 2018

Current Interest Rate Similar to Certificates of Deposit, the 10-Year Annuity rates change periodically, but once a member opens a 10-Year Annuity, the then-current rate will be locked in for 10 years.

Withdrawals and Charges Partial or full withdrawals can be made at any time. Please refer to the back of the application for withdrawal charges or penalties. SPJST may deduct a withdrawal charge from any amount withdrawn in the first 10 certificate years. The charge will be as SPJST determines from time to time, and will not be greater than the percentage of the amount withdrawn shown in the table below. SPJST withdrawal charges do not affect IRS withdrawal charges or penalties.

Certificate Year/Charge 1st year—9% 2nd year—9% 3rd year—8% 4th year—7% 5th year—6% 6th year—5% 7th year—4% 8th year—3% 9th year—2% 10th year—1% End of 10th Year—No Charge

At the end of the 10th year, the Member may choose to withdraw funds, or simply let the annuity renew for another 10-Year Annuity with the then-current rates and SPJST withdrawal charges.

Free Withdrawals The member may, in any one certificate year, make as many as three withdrawals, the aggregate total of which may not exceed 10 percent of the cash value at the beginning of that certificate year without incurring a withdrawal charge.

These apply only to SPJST charges.

IRS Withdrawal Penalties and Charges may apply.

••••••••••••

Annuity Payout Options and Taxation

IRS Penalties and Taxation If funds are withdrawn during the accumulation period, they may be subject

2018 SPJST Life Insurance and Annuity Extra

to the SPJST Withdrawal Charges mentioned previously as well as IRS taxes and penalties. Any funds withdrawn from an annuity during the accumulation period will be considered interest (pretax funds) first and therefore taxable income in the year withdrawn. If the annuitant is under age 59 1⁄2 during that tax year, IRS also levies a 10 percent penalty on the pre-tax amount. Only after all the pre-tax funds are withdrawn would the annuitant get to the principal (after-tax funds) which are never taxed or penalized from IRS. Please remember that IRS penalties are separate and independent of SPJST Withdrawal Charges.

IRS penalties and taxation concerning Traditional IRA and Roth IRA plans are covered later in this section.

Non-Lifetime Options Distributions under these options are made irrespective of anyone living or dying.

• Lump Sum Distribution One single distribution paid to the annuitant. The terms of the contract are completed, and the annuity is terminated at that time.

• Period Certain Distributions are spread out in equal amounts over a given time period (5, 10, 20 years, etc.) during which time all principal and interest is exhausted.

• Amount Certain Distributions are made according to a specific payment amount ($1,000, $2,000, etc.) during which time all principal and interest is exhausted.

Lifetime Options These options all pay the annuitant an income for life in any case. The options differ in what happens after the annuitant’s death. Different options result in different income amounts. Once an option is chosen and distributions begin, it cannot be changed.

• Straight Life Income Option Also called Straight Life Annuity or Life Annuity, this option provides regular and equal distributions for the lifetime of the annuitant, no matter how long (or short) the annuitant lives. When the annuitant dies, distributions stop. There are no more distributions even if the annuitant died with principal funds left in the annu-

ity. This option pays the highest net distribution amount of all lifetime options.

• Refund Option This option pays lifetime distributions to the annuitant, but if the annuitant dies before receiving the principal paid in, the remainder of the principal is paid to a beneficiary; either in a lump sum or in equal installments until the total of distributions equals the original principal amount when distributions began. This option typically pays the lowest net distribution amount of all lifetime options.

• Life with Certain Period This option pays lifetime distributions to the annuitant, but if the annuitant dies within a specified period stated in the agreement (5 years, 10 years, 20, years, etc.), the annuitant’s beneficiary would continue to receive the same distribution for the remainder of that period. Example: If the annuitant chose Life with 20 Years Certain and died four years later, the annuitant’s beneficiary would continue to receive the distributions for the remaining 16

years. If the annuitant lives past the certain period, distributions would cease when the annuitant dies. This is the most popular lifetime option.

• Joint and Survivor Option This option pays distributions to two people (usually couples) for as long as both shall live. When the first person dies, the survivor continues to receive distributions for the rest of the survivor’s life. When the survivor dies, distributions cease. Depending on the option taken, the survivor may continue to receive the full distribution, twothirds or one-half of the distribution.

Lifetime Option Taxation Taxation on a Lifetime Option is based on the exclusion ratio. It is based on funds expected to be received by the time the annuitant reaches life expectancy according to IRS tables. Funds paid in excess of this ratio are considered taxable income. If the annuitant lives to the pre-determined life expectancy age, then all future distributions will be considered 100 percent taxable income in the year received.

—SPJST—

How much should I invest in an annuity?

Unlike a 401(k) or an IRA, there are no limits on the amount that you can invest in an annuity.

Whether you’re considering a deferred or immediate annuity, the amount of money you should consider putting into an annuity depends on:

• Your immediate actual and potential financial needs • Your long-term financial goals

• Your current savings/investment portfolio

• The range of alternatives available to you

Of these, the most important is your immediate actual and potential financial needs. If you’re buying a deferred annuity and you have a sudden need for cash, you can usually withdraw a small amount without penalty. However, you’ll likely pay a penalty if you make a large withdrawal within a few years after you’ve bought the annuity. If you’re buying an immediate annuity, you usually can’t get any more than the regular payments, no matter how badly you need cash. However, if you have other sources of cash that are sufficient for any emergency or unforeseen needs, then the immediate needs criterion is satisfied and the other criteria become more important.

Source: Insurance Information Institute, http://www.iii.org/articles/how-much-should-iinvest-in-an-annuity.html

What is a “free look” provision?

Most state insurance departments require insurance companies to provide a “free-look” period after you have purchased the policy. It is typically a 10-day span in which you can pull out of the contract and obtain a refund based on contract terms or state law. You should use this time to review

the policy, ask your insurance agent or stockbroker any additional questions and make a final decision as to whether the annuity you selected was right for you.

Source: Insurance Information Institute, http://www.iii.org/articles/what-is-a-free-lookprovision.html

2018 SPJST Life Insurance and Annuity Extra

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9 X 9 X SPJST SALES AGENTS X 9 X 9

Listing reflects Home Office records as of March 21, 2018. Use of this information for solicitation or commercial purposes is a violation of the SPJST Privacy Policy and is strictly prohibited. District number appears in ( ).

LODGE 1, FAYETTEVILLE (1) Nelda Daricek 979-968-8863 nelda@daricekinsurance.com Richard Hrbacek 713-410-8852 richardh@spjst.com Ronnie Pflughaupt 979-249-6702 rpflughaupt@hotmail.com Jennifer Tarnowski 979-251-4074 jennifer@daricekinsurance.com Deanna Toddy 979-966-9259 deanna@daricekinsurance.com

LODGE 6, COTTONWOOD (3) Jeanette Beseda 254-717-7840 jkbeseda@yahoo.com Donald Cernosek 254-855-6800 djcernosek@sbcglobal.net Jerry E. Kucera, FIC 254-826-5425 jkucerains@att.net 254-749-1865 Steven Kucera 254-498-2359 skucerainsurance@gmail.com

LODGE 9, SNOOK (1) Bill Orsak, FIC, CFFM 979-272-1243 billorsak@gmail.com 979-324-0056 Pamela Pruett 512-760-6740 ppruett@milamins.com Donnie Victorick, FIC, CFFM 979-224-3125 dv.aggie71@gmail.com

LODGE 10, SHINER (6) Kevin Foreman 210-325-6643 kevin.foreman@lpl.com David Luckemeyer 830-620-8237 david.luckemeyer@lpl.com Tommy Pietsch 361-772-4158 tommy.pietsch@lpl.com Charles Stratman 361-798-0621 charles.stratman@lpl.com

LODGE 13, DIME BOX (1) Andrea Dowdy 979-540-0162 kimdowdy@verizon.net Mitchell Hardin 512-564-3290 mitch@bastropfinancialplanning.com

LODGE 15, BUCKHOLTS (2) Nancy Jaecks 512-446-0300 dian@rockdaleins.com

LODGE 17, NEW TABOR (1) Susan Skrabanek, FIC 979-272-3440 spjst@aol.com 979-820-2218

LODGE 18, ELGIN (2) Jeanette Aviles 305-904-7477 jeanettefranchi@gmail.com Betty Gaskamp 512-281-0234 bettygaskamp@yahoo.com Lorri McCrary 512-484-0946 lmccrary@mccraryinsurance.com William McCrary 512-281-6000 bmccrary@mccraryinsurance.com 512-567-8915 Henry Opara henco41@hotmail.com

LODGE 23, MORAVIA (6) Elizabeth Holub 979-561-8640 mikelizh@cvctx.com

LODGE 24, CYCLONE (2) Roberta Amos 254-773-1100 ramos@fctinsurance.com Bonnie Carnegie 254-624-6733 mannazo.bc@gmail.com Paulino Castillo 254-773-0092 paulino@texaslibertyins.com Richard Green 512-826-6661 rg31148@gmail.com

LODGE 25, ENNIS (3) Thomas Droste 972-965-5308 droste_t@yahoo.com Danny Dvorak 972-821-8946 crispczech@hotmail.com Kay Lynn Kovar, FIC 972-875-6827 klkptl1@gmail.com Margaret Krajca 972-878-6149 jmkrajca@yahoo.com

LODGE 28, EAST BERNARD (6) Linda Bratina 832-647-9971 lindabratina@gmail.com Glenn Kaminsky, FIC 979-335-4461 g2kamin@live.com

LODGE 29, TAYLOR (2) Cristy Girod 512-468-1347 girodranch@yahoo.com Albin Machu, CFFM 512-365-5489 albinmachu@hotmail.com Jesse Pospisil 512-826-7371 jlpospisil@yahoo.com

LODGE 30, TAITON (6) Bradley Bacak, FIC 979-543-9362 bradbacak@sbcglobal.net Crystal Bacak, FIC 979-543-9362 bacak@sbcglobal.net Carolina Covarrubia 281-779-9956 carroinpink@yahoo.com Karen Kaspar, FIC, CFFM 979-332-1616 k-kaspar@hotmail.com 979-543-2532

LODGE 32, VICTORIA (6) Silvia Rangel 361-571-1697 silviarangel23@yahoo.com

LODGE 38, KOVAR (1) 512-303-6733 Vianna Kathryn Bayes kathy@insurance4texas.com Brandy Cota 903-271-2266 brandy@insurance4texas.com

LODGE 40, EL CAMPO-HILLJE (6) Ardis Bacak, FIC 979-578-8907 bradbacak@sbcglobal.net Sheldon Holub, FIC 979-543-7387 sholub@awesomenet.net

LODGE 47, SEATON (2) Deanna Burt 254-718-9453 dlburtbiz@gmail.com David Coufal 254-986-2448 david@davidcoufalinsurance.com Frank Klinkovsky, Jr. 254-721-4076 klinkcrew@sbcglobal.net Patsy Koslovsky, FIC 254-985-2396 patsyk2011@yahoo.com Terry Malina 254-534-3311 terrylynnmalina@gmail.com Tammy Martinez 254-985-2457 tammym@spjst.com David Pechal 254-721-8370 davidpechal@yahoo.com Mark Pelzel 254-447-1052 markpelzel@yahoo.com Michael Seiler 254-939-0180 mseiler@farmersagent.com Dolores Skrabanek, FIC 254-985-2344 dskrabanek@embarqmail.com Donica Zabcik 254-749-5607 donicaz@spjst.com

LODGE 48, BEYERSVILLE (2) Donna Vanecek 512-736-5731 donnavanecek@yahoo.com Bobby Wuensche 281-352-3517 bobbyleewuensche@gmail.com

LODGE 49, ROWENA (4) Frances Aleman 325-977-0757 fmaleman0405@gmail.com Dana Dolan 325-829-3157 danakdolan@yahoo.com Christin Halfmann 325-617-9477 christincarrie@gmail.com Jimmy Jones 325-372-5522 jjins@centex.net 325-248-3579 Thomas Kirkpatrick 432-558-2777 westwindinsurance@att.net Billy Rollwitz, FIC, CFFM 325-442-3141 brollwitz@gmail.com Sylvia M. Rollwitz, FIC 325-442-3141 srollwitz@gmail.com Kenneth Rooke 325-446-3073 kenny@rthi.org Loretta Schaefer 432-397-2483 schhal@crcom.net Richard Sonnenberg 325-718-8445 rickster@wtxs.net Beverly Teplicek 325-442-4841 bjtep@verizon.net

LODGE 51, ELLINGER (1) Edna Bergfeld 979-732-3776 ednabergfeld@txun.net

LODGE 54, WEST (3) Freddie Kaluza 254-709-2303 fjkaluza@txun.net Janice Kaluza 254-749-5676 fjkaluza@txun.net Wilburn Willis, FIC 254-799-5394 wilburnwillis@aol.com

LODGE 66, WACO (3) Kim Allen 254-709-1227 mustang_2501@yahoo.com Randolph Dillard, Sr. 254-694-5099 rdillard@dillardinsuranceagency.com Johnnie Gaidusek, Jr. 254-934-2527 rvos@windstream.net 254-709-5976 Christine Galysh 254-754-5174 Randy House 254-749-4636 rhouse3407@gmail.com Larry Matula 254-799-9616 agency@matulainsurance.com Sammy Tull 254-857-8600 sjtrmtull@gmail.com Nelson Washington, Jr. 832-508-1507 ultimatetaxsolution@gmail.com LODGE 67, SCHULENBURG (1) Adrienne Kobza 979-561-8237 akobza@cvctx.com

LODGE 76, WICHITA FALLS (4) Ray Esparza 940-766-0472 albarosalinda@gmail.com Ananias Edwards, III 940-923-0462 nize3@aol.com Katy Williams 806-202-3925 katyleewilliams@gmail.com

LODGE 79, CORPUS CHRISTI (7) Carlos Benavidez 361-739-5907 ccarlosgb3@aol.com Lilah Deleon 361-877-3324 jacob.anes@gmail.com Armando Diaz 361-945-2790 armandovdiaz@aol.com Jesse Esquivel 361-443-6146 esquivjt@aol.com Anabel Flores 361-633-7631 gonzalez.anabel5@gmail.com Amiel Garcia 361-438-1860 abengar@msn.com Darel Jaramillo 210-685-6830 ddjii@hotmail.com Ralph Juarez 361-537-5506 juarez2112@aol.com Oscar Longoria, LUTCF 361-325-3551 osamlong@yahoo.com Javier Mora 361-549-0116 javier62m@gmail.com

14

Lance Morck 361-904-6241 l_morck@yahoo.com Armando Perez, LUTCF 361-814-0314 asperez6040@hotmail.com Manuel Salazar 956-358-1967 manuelt1221@hotmail.com Viola Thrasher 361-425-3699 elder_nmbr4@yahoo.com 361-939-7588 Deborah Whittington dawhittington@sbcglobal.net

LODGE 80, HOLLAND (2) Cliff Cosper 254-939-2882 cliff@blacklandfp.com Frank Horak 254-657-3018 f_horak@yahoo.com Joe W. Liles 254-657-2488 joelilesrvos@gmail.com 254-913-7674

LODGE 81, NEEDVILLE (5) Amber McDonald 832-731-7275 mcdonaldtx05@yahoo.com Seth Sacra 281-782-9020 seth@needvilleinsurance.com Bradley Stavinoha 979-793-2386 979-793-4364 bradley@needvilleinsurance.com

LODGE 84, DALLAS (3) Thomas Athas 817-521-6662 thomasathasagency@msn.com Lynda Novak 972-948-4456 magiclady_46@hotmail.com

LODGE 87, TEMPLE (2) Karin Bryant 254-338-3275 allyourinsuranceneeds@centurylink.net Billye Westlake 254-913-3087 billyew@spjst.com

LODGE 88, HOUSTON (5) Michelle Braud 225-806-4344 mlbraudinsurance@gmail.com Laurene Breitkreutz 713-385-6525 laurieb90@aol.com Carolyn Filipp Beseda, FIC 281-546-7941 cffilipp@earthlink.net Helen Hegwood, FIC 713-864-0489 Vincent Hegwood, FIC 281-358-7312 vincent.hegwood@insperity.com Mildred Holeman 713-691-6434 mmholeman@yahoo.com 713-305-7895 Janice Jahns 281-615-5046 wjahns@sbcglobal.net Susan Jurica 832-647-7592 sjurica@att.net Ana Latigo 713-385-0590 avlatigo@yahoo.com Margaret Norris-Guerrero 832-492-1729 margaretguerrero@hotmail.com Larry W. Pflughaupt, FIC 713-864-2163 lpflugh@aol.com

LODGE 91, SAN JACINTO (5) Tommy Ganaway 281-204-7211 tommyganaway@gmail.com Charles Thomas, Jr. 832-687-1099 charlesintx@gmail.com Vickie Wilkinson 281-446-0467 vickiewilk@netscape.net

2018 SPJST Life Insurance and Annuity Extra

LODGE 97, PLACEDO (6) Gay Revel, FIC 361-649-4443 gayrevel@gmail.com

LODGE 107, FLORESVILLE (7) Bob Bayer, FIC 830-393-2872 Wendy Pruski, FIC 210-535-4916 poohbear78064@hotmail.com Miguel Rodriguez 210-375-2131 mgrodriguezjr@yahoo.com Jesus Romero 956-763-4498 javr4@stx.rr.com Ronald Thuney 830-393-6729 ron@thuney.com

LODGE 130, DALLAS (3) John Vrla 214-906-3385 jvrla@cebridge.net

LODGE 133, SAN ANTONIO (7) Theodore Aanderud 210-639-6313 aanderudte@aol.com Evangeline Cisneros 210-264-8045 vangiecisneros@yahoo.com Maria C. Garcia 210-531-9949 mcb1315@msn.com 210-861-4985 Adilia Giron 210-865-5639 adiliagiron@yahoo.com Magdalena Gonzalez 210-316-8374 maggie.gza0820@gmail.com Beatrice Gutierrez 210-386-4708 bgutierrez524@yahoo.com Leticia Hernandez 210-296-1594 leticiah76@yahoo.com Rosita Lira-Carrasco 210-268-3474 rosielira.wfg@gmail.com Martha Mier 210-480-0883 pattymier0883@gmail.com Antonio Morales 210-501-4751 af.morales@att.net Jarolyn Popp, FIC 830-964-5135 jarolynpopp@gvtc.com Victor M. Ramirez 956-844-1136 vicr49@yahoo.com Maria Reyes 210-412-0161 maryreyes2800@gmail.com Daniel Rios 210-462-3692 danielarmandorios@gmail.com Esperanza Sandoval 210-445-9685 esandoval2022@satx.rr.com Nathan Strickland 979-966-9519 nathan.strickland@sradvisors.insure Frank Taylor 210-836-8874 taylor.frank49@yahoo.com Indra Votion 210-386-3383 indracm@yahoo.com.mx

LODGE 139, DANBURY (5) Justin Smith 979-215-9667 justinlsmith_1@yahoo.com Larry Strebeck 979-922-8000

LODGE 141, SEALY (1) Rick Martinez 979-885-4900 martir19@hotmail.com

LODGE 142, HOUSTON (5) Kerry Herrington 281-704-5737 kerryherrington@yahoo.com Catherine Manchack 281-893-8107 cmanchack@yahoo.com

LODGE 151, WHARTON (6) Monica Barcenas 832-375-4927 barcenasagency@gmail.com Charles Bucek, FIC 979-335-4118 ccbucek@yahoo.com

LODGE 155, AUSTIN (2) Ricky D. Rodriguez 512-591-4022 sirricrod@yahoo.com

LODGE 157, LUBBOCK (4) Cynthia Kristinek 806-632-2432 cyndynjerome@gmail.com Tronda Foote 806-239-8733 tfoote@windstream.net Julian Ramirez 806-535-8799 jvramirez@mail.com LODGE 160, SAN ANGELO (4) Bobby G. Davis, FICF, CFFM325-450-3748 bgdsr2428@aol.com Leonard A. Jansa, FIC 325-651-8045 ljansa13@gmail.com Ryan Jansa 325-234-5879 jansa@wtxs.net Carmen Puentez 325-895-0834 puentezcarmen@gmail.com Lydia Talamantez 325-262-9743 lillyg636@yahoo.com Sam Tambunga 325-944-8836 sam@samtambungains.com

LODGE 162, IOWA COLONY (5) Wardell Starling 281-250-8168 strlnganit@aol.com William Reynolds 832-882-4660 williamreynolds9@gmail.com LODGE 169, BRENHAM (1) Janna Alsobrook 713-392-3831 janna.alsobrook@gmail.com Anthony Edmonds 713-816-1384 aedmonds@edmondsins.com Cheryl Liere, LUTCF 713-899-9365 cliere@edmondsins.com Nello Strickland 979-451-3229 ndstrickland@yahoo.com

LODGE 171, LOCKHART (1) William “Bill” Cleveland 512-488-2282 billc@the-insurance-team.com Carlos Eureste 512-227-1949 carloseureste@gmail.com Linda Eureste 512-376-0104 eurestelinda@yahoo.com Maria Lisa Gonzales 830-445-0898 lisa@the-insurance-team.com Clint Roberts, FIC 512-398-6755 clint@the-insurance-team.com Kenneth Schawe 512-398-4433 ken@the-insurance-team.com

LODGE 172, PASADENA (5) Sophia Rainey 713-775-4698 sophia.rainey@yahoo.com

LODGE 177, ACADEMY (2) Nancy Miller 254-983-0011 nancym@spjst.com

LODGE 178, LONGVIEW (3) David Cotham, Jr. 903-736-4637 cotham75605@yahoo.com

LODGE 180, BURLESON (3) Nancy Kelly 817-558-7347 nanolesgem@hotmail.com

LODGE 181, CONROE (5) 281-362-9062 Charles Toney, III charlesdtoneyiii@gmail.com LODGE 182, FALLS COUNTY Johna Deann Beckendorf 254-275-8028 joh.becken@yahoo.com

LODGE 183, ARLINGTON (3) Sabino Garcia 817-909-8899 garciasabi@att.net Arnoldo Lerma 682-438-4693 lerma13@gmail.com Rhonda Steelman 972-294-1043 rhonda.steelman@yahoo.com Katherine Weeks 817-896-5277 kgweeks@att.net LODGE 185, NEW BRAUNFELS (7) April Howard 830-626-3303 ahoward@pta-usa.com Anne Veltri 210-846-1576 michaeleveltri@gmail.com

LODGE 186, CALDWELL (1) Thomas Cannon 979-567-4264 jtcannon60@hotmail.com Samuel Johnson 979-575-1151 seniorplans@yahoo.com

LODGE 187, ROUND ROCK (2) Susan Cathey 830-370-9076 susan@frizzellandcompany.com Ray Bob Frizzell 830-377-5685 raybob@frizzellandcompany.com Christopher Giesenschlag 830-385-6955 cgiesenschlag94@gmail.com Rubie M. Volek, FIC 512-771-4948 rubiebr@sbcglobal.net

LODGE 188, CENTERVILLE (1) Rhonda Stover 979-828-5041 rsins@valornet.com

LODGE 189 BRYAN-COLLEGE STATION (1) Mary Bonner 936-827-4859 maryjo_bonner@yahoo.com Nicole Hesseltine 361-876-6245 nikkihesseltine@yahoo.com Stephanie Perez 979-574-4072 bunneytrail13@gmail.com Larry Robbins 936-546-1036 larry_882@hotmail.com James Schroeder, LUTCF 936-661-2294 jschroeder55@suddenlink.net Robert Walters 936-349-3512 bobby@bobbywaltersinsurance.com Uldric Zemanek, Jr. 979-822-3277 buddyzmf@verizon.net

LODGE 191, LUFKIN (5) Doyle Oliver 936-366-0386 doyleoliver@consolidated.net

LODGE 196, HOUSTON-WEST (5) Mary Bird, FIC, CFFM 832-851-5466 maryebird@att.net Stacey Carter 832-329-8604 staceycarter16@gmail.com Mark Childres 832-496-6646 mark@childresinsurancegroup.com Delisle Doherty 832-232-2049 delisled@sbcglobal.net Larry Felder 832-493-1125 larryfelder@rocketmail.com Donald Fruin 832-651-5388 dfruin@fruinandassociates.com Jane Muthee 713-256-1883 businesstoday100@gmail.com Jacqueline Norfleet 281-771-2453 jbnorfleet7@gmail.com Cecil Penright 281-820-3677 cpenright@yahoo.com LODGE 200, BRUCEVILLE-EDDY (2) Sandra Garrett 254-938-2424 sandragarrett.ins@gmail.com Gene McBride, FICF, CFFM 254-228-6465 gmcbride38@yahoo.com

LODGE 202, JOURDANTON (7) Janice Favor 830-429-3090 jfavor1@satx.rr.com Linda Ramey, FIC 830-393-3320 linda@rameyins.com

LODGE 204, STEPHENVILLE (3) Philip McBee, FICF, CFFM 325-647-1949 mcbeephilip@gmail.com

LODGE 207, IOWA PARK (4) Dennis Kotulek 940-855-0882 dkotulek@clearwire.net Joyce Kotulek 940-855-0882 dkotulek@clearwire.net

LODGE 215, SOUTH PLAINS (4) Cynthia Flores 806-292-4702 cynthiaflores2018@gmail.com Leah Flores 806-293-2651 leahflores_101@hotmail.com Johnie Turpen, II 806-895-4448 turpenagency@gmail.com Melissa Turpen 806-293-2651 ragmando@yahoo.com

LODGE 219, EL PASO (4) Eileen Carbajal 915-999-7723 eileencarbajal@yahoo.com Adolfo Chabre 915-504-5493 achabre@gmail.com Angelica Cuevas 915-490-2184 ascuevas2009@yahoo.com Hilda Escajeda 915-328-4915 escajedahr@yahoo.com Rosa Flores 915-626-7376 rosisela512@hotmail.com Julian Guedea 915-926-9503 guedeag@yahoo.com

2018 SPJST Life Insurance and Annuity Extra

Elizabeth McKula 915-843-7578 emckula@gmail.com Baltazar Nunez, FIC 915-584-8484 onebestidea@yahoo.com Aracely Quiz 915-999-2062 timbadancestudio@gmail.com Julio Rangel 915-856-3619 rangeljr7@yahoo.com Juan Reyna 915-256-4346 juanreyna56@yahoo.com Arnulfo Rivera, FIC 915-630-8074 arnulfok5@yahoo.com Francisco Viniegra 915-203-3124 francisco.viniegra@yahoo.com

LODGE 226, CORSICANA (3)* Doris Horne 254-722-9760 dbhorne64@gmail.com Oda Ruth Martin 903-425-4842 odamartin@hotmail.com

LODGE 229, ABILENE (4) Tammy Copeland 325-333-4089 t.copeland45.tc@gmail.com Jesusita Hudson 325-370-0573 suziqandlvh@yahoo.com Mark Smith 325-572-4288 mark7smith@hotmail.com Janice Stevens 325-537-9224 janstevens1948@gmail.com

LODGE 230, MIDLAND (4) Gina Madrid 806-215-2430 insureurs@gmail.com Sandra Medrano 432-894-5748 sandra_mdrn@yahoo.com Valerie Mendez 432-488-8855 valeriemendez341@yahoo.com Sarah Rolen 432-385-6103 sarahrolen_associates@yahoo.com Anabel Sierra 432-661-7299 sierra.anabel@yahoo.com Melinda Vaca 432-288-8642 meli7194@gmail.com

LODGE 232 HOUSTON MIDTOWN (5) Chris Liebum, LUTCF 832-252-9413 chris@celinstx.com Cecil Roberts, FIC 832-256-9483 cecrobie@sbcglobal.net Clay Zapalac 281-750-2920 ctzapalac@gmail.com

LODGE 234, LULING (1) Boyd Maxwell 830-875-3244 rob1956@att.net

LODGE 246, MORGAN’S POINT (2) 254-760-3726 Don Miller don@texianinsurance.com David Nauert, FIC 254-534-0809 davidnauert@usa.com Marissa Salinas 254-220-9240 marisal0525@yahoo.com

LODGE 256, DENVER CITY (4)* Dennis Haralson 432-758-5886 dennis@moore-haralson.com Susan Leach 806-592-9184 susan.leach@mustang-insurance.com LODGE 258, SEGUIN (7) Dominga Esquivel 512-396-0642 dotesquivel@hotmail.com

Life Lessons

LODGE 272, DEL RIO (4)* Loida Arellano 830-469-9789 loidaac26@yahoo.com Nirma Bustamante 915-726-4485 nirmainsurance@gmail.com Sandra Del Socorro Cortez 210-287-6186 sancarballo@sbcglobal.net 830-734-1048 Tammy Hyslop tammyhyslop@hotmail.com Lutgarda Merencio 915-822-4623 kakevaka1@yahoo.com Theresa Murray 830-313-0975 tmurray3@sbcglobal.net —SPJST—

®

in their own words

It Changes Everything

by Miranda Rivera

My father was my role model. Whatever he set his mind to, he was able to accomplish. That’s how he built his two companies, with the goal of providing rural areas with internet.

His death at 44 changed everything. Even though I was just 12 at the time, I knew nothing would ever be the same.

My father left behind little financial support for my family and no life insurance. We were on our own to struggle through the difficult times. Our family’s strength crumbled, and our finances grew in disarray. There were times we had no electricity or water because we were so far behind with our bills.

When I hit rock bottom, I knew it was only me who could turn things around. That’s why I’m working hard to pursue a degree in computer science and engineering.

What I’d like to say to you is that the death of a parent changes everything.

Because my father didn’t have life insurance, I didn’t get the luxury Life insurance can’t of being a child anymore. I had to bring a parent back, grow up quickly—too quickly.

“

Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.

LODGE 238, GOLDTHWAITE (4)* Kim Wesson 325-648-3065 kwesson@centex.net

LODGE 242, AMARILLO (4)* Lesa Browning 940-585-4625 tellgatelb@yahoo.com Mollie Mitchell 806-584-5534 mitchfour@gmail.com

15

but it can make the road afterwards easier for those left behind.

“

Contact your SPJST local lodge sales agent.

Or call the Home Office 800-727-7578 © Life Happens 2017. All rights reserved.

Protection for yours

Financial protection and planning where “benefits” means so much more than money.

We’re SPJST, a provider of the financial protection products you’d expect, but with the difference of making a difference. That’s because we reinvest profits into communities to help neighbors, friends, and family. From scholarships to soup kitchens and more, our policies do more than help protect your family, they help provide for others, too.

Insuring and Enriching Lives Since 1897

Home Office 520 North Main • Temple, TX • 76501

Providing for others

800-727-7578 info@spjst.org • www.spjst.org