VĚSTNÍK
Monday, April 11, 2022
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District News District Two Annual Meeting at Lodge 24, Cyclone on May 22 From the Desk of Delisle L. Doherty SPJST Vice President of Sales and Marketing
It’s Your Life
For those of you who know me, you know that my life is built around helping people. As a disciple of Christ, it is my job to help wherever I can. This article is modified from a friend in the industry named Chris Liebum with RIA Advisors, with some slight modifications from me. I feel it is important to help in all areas of life not just our products. I hope you enjoy.
You Have Income Insurance, Don’t You? Insurance comes in many forms. In the end, it is the income insurance that helps us and our loved ones continue with a lifestyle we have created for ourselves. So what is income insurance? Well, it provides coverage if you die too soon, live too long, or are injured to where you cannot work along the way. Let’s start with if you die too soon. This is where life insurance comes into play. Life insurance can provide a cash benefit to your spouse or family should you die too soon. The benefit received can provide for lost income, pay off a mortgage, debts, future college, and wedding expenses just like you would have wanted to if you were here to do so. There are many types of life insurance, but the most important one is the one in place when you pass away. A qualified life insurance agent can help you do an analysis of your situation to help you decide how much coverage, and more importantly, what types of life insurance you need. If you are a business owner, having key person, buy-sell, and executive bonus policies in place can help a business that loses a key employee. Policies like these can help with loss of income, transition, and business transfer expenses. What if you get injured to where you cannot continue to work in your occupation? What if you went skiing and had a bad accident and you were not able to perform your duties at work and suffered a reduc-
tion or loss of income? Disability insurance will provide for that loss of income. When purchasing these policies, they can select the amount of benefit and length of time to receive the benefits. Actuarily during your earning years, it is more likely you will suffer a disability than die. Some companies offer this coverage as part of their benefit package, but if yours does not, it is certainly worth looking at this valuable coverage. Can you outlive your retirement? So you have lived a long life and enjoyed the journey. The problem is that now your number one worry is running out of money! You had made some great plans when you were younger, but now the accounts are stretching thin. Some people believe in the 4 percent rule when pulling money from their accounts, but the sequence of returns risk, higher inflation, and taxes can really affect this. Perhaps, if they would have utilized an income annuity along with their Social Security to provide for the “needs” and their investment account to provide for the inflation risk and “wants,” you would not have this worry. We have gone on a quick income journey and some of the solutions to put in place so now “let’s make a plan so you and your honey do not run out of money!” If you are interested in disability insurance, please contact me and I will be glad to put you in contact with Chris. Thank you for the article. “I found out retirement means playing golf, or I don’t know what the heck it means. But to me, retirement means doing what you have fun doing.” —Dick Van Dyke My door is always open; figuratively and literally. Stay blessed, Delisle L. Doherty Vice President of Sales and Marketing 832-232-2049 —SPJST—
The District Two Annual Meeting will be held on Sunday, May 22, 2022, at Lodge 24, Cyclone, located at 411 FM 964, Cyclone. Registration begins at 1 p.m., and the meeting starts at 2 p.m. We are planning a great meeting. District officers will be elected. If anyone is interested in serving, please let us know. We are asking all youth and adults to decorate a rock for the contest. Use your imagination in decorating. I know you can come up with a great idea! Prizes will be awarded for first, second, and third place winners. Come on everyone . . . let’s have a bunch of you enter decorated rocks. District Two Youth Counselor Patsy Koslovsky is planning a silent auction for the youth club. She is asking for
members to bring an item for this auction. Let’s help the youth raise some money for their fund. Lodge 24 is planning a great meal for the meeting which consists of chicken spaghetti, salad, drink, and fruit. All of this will only be $3! Where else can you get a great plate of food for $3! Please mark your calendar for May 22, and come on out to Lodge 24, Cyclone. Join members and friends for a great day together. Thank you and see you on then! Fraternally, Ruth Hanusch District Two Vice President/FAC —SPJST—
District Three posts minutes from 2021 annual meeting
Three meeting. Cherri Petr (84) made a motion to dispense with reading the minutes, but to accept the copy handed out to members. The motion, seconded by Vicki Sims (84), passed. Treasurer Sister Mary Steinman (154) presented the treasury report. It was approved as presented. President Pace (154), turned the floor over to the youth to hold their meeting. District Three Youth Counselor Sister Mary Steinman (154) called the youth meeting to order. The virtual Youth Achievement Day (YAD) was discussed along with Leaders-in-Training (LIT) Camp and Junior Camp. The youth also elected new officers. President Preston Sullivan (25), Vice President Holly Jones (154), Secretary Macy Jones (154), and Reporter Mckenzie Burcie (154). Insurance Committee Member Brother Robert Sill (183) was not present for his report. Finance Committee Member Brother Michael Galler (66) gave a report. By-Law Committee Member Sister Mary Steinman (154) gave a report. Sister Vicki Sims (84) gave the fraternal activities coordinator’s report. Publication Committee Member Sister Lynda Novak (84) gave a report. The audit committee audited both the adult and youth books and reported that
The District Three Annual Meeting was held June 13, 2021, at Lodge 25, Ennis. President Sister Lori Pace (154) called the meeting to order at 2 p.m. The Pledge of Allegiance was led by Sister Macy Jones (154), and the SPJST youth motto was led by Sister Kyleigh Hernandez (154). President Pace (154) then introduced the District Three Royalty - State Queen Sister Holly Jones (154) and District King Brother Preston Sullivan (25) gave an opening prayer. Sister Joann Martinek Jones (25), president of Lodge 25, Ennis, welcomed the District Three members at the gathering. First Vice President Sister Lesli Milan (154) recognized District Three Director Brother John Engelke (66) and other special guests. Second Vice President Brother John Vrla (130) and the District Three youth hosted a memorial service for our departed members. President Pace (154) then introduced the nominating and audit committees and the contest judges. Sister Lesli Milan (154) started to read the minutes from the last District
