District News

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 reduction 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—

District News District Two Annual Meeting at Lodge 24, Cyclone on May 22

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

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 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

they are both in order.

District Three Director Brother Engelke (66) then gave a Home Office report.

Adult contest winners were recognized by Sister Vicki Sims (84). Sister Appa Burcie (154) won first place, and Sister Candice Oliver (25) won second place.

Under new business, the upcoming state convention was discussed. District Three Fun Day at the Dallas Czech/Slovak Heritage Day was announced.

Treasurer Sister Steinman (154) presented a check to the hosting lodge, Lodge 25, Ennis, to Lodge 25 President Sister Jones (25).

Youth contest (decorated rock) winners were then recognized by DYC Sister Steinman (154). They were:

Ages 5 to 8 1st - Victoria Oliver (25) 2nd - Layne Oliver (25) 3rd - Paige Oliver (25) Honorable Mention - Gentry Burcie (154)

Ages 9 to 11 1st - Aubrianna Dobecka (6) 2nd - Mckenzie Burcie (154) 3rd - Morgan Oliver (25) Honorable Mention - Kalyne Tucker (84) Ages 12 to 14 1st - Kyleigh Hernandez (154) 2nd - Joshua Tucker (84) 3rd - Miles Jones (154)

Ages 15 to High School Senior 1st - Holly Jones (154) 2nd - Quinlan Dobecka (6) 3rd - Reagan Hernandez (154) Honorable Mention - Kendall Tucker (84) Honorable Mention - Macy Jones (154)

The next order of business was election of District Three Officers:

President Sister Lori Pace (154) First Vice President Sister CarrieAnn Jones (154) Second Vice President Brother John Vrla (130) Secretary Sister Dana McAdams (66) Treasurer Sister Mary Steinman (154)

Upcoming 2022 events discussed were the District Three YAD site and the District Three Annual Meeting. Lodge 25, Ennis volunteered to host YAD in 2022, and Lodge 92, Fort Worth, volunteered to host the 2022 annual meeting.

Door prizes were awarded, and new district officers were sworn in.

The meeting was adjourned by President Pace. Submitted by, Dana McAdams (66) District Three Secretary —SPJST—

District Three Annual Meeting Agenda

Sunday, April 24, 2022 • Lodge 92, Fort Worth 3316 Roberts Cut-Off Road • Fort Worth, Texas 76114 Director John Engelke (66) Officers - President Lori Pace (154) • First Vice President CarrieAnn Jones (154) Second Vice President John Vrla (130) • Secretary Dana McAdams (66) Treasurer/District Youth Counselor Mary Steinman (154) Fraternal Activities Coordinator Vicki Sims (84) Flag Bearers Macy Jones (154) and Kyleigh Hernandez (154)

Please Note: If anyone is interested in running for office, please contact President Lori Pace at 817-237-4749 or Lynda Novak (Nominating Committee Chair) at 214-827-3744.

12 to 12:30 p.m. Registration for meeting, youth and adult decorated rock contest.

If you have any questions regarding the decorated rock contest, please contact Vicki Sims or a youth leader. Size limit is 4 to 6 inch rock.

12 to 1 p.m. - Lunch Members who donate a minimum of six canned goods for the food bank will receive a complimentary lunch. (No expired goods, please). 12:30 to 1 p.m. - Decorated Rock Contest Judging 1 p.m. - Meeting Begins Call to Order.........................................................................................President Lori Pace Pledge of Allegiance and Youth Motto....................Macy Jones and Kyleigh Hernandez Introduction of District Royalty..........................................................President Lori Pace Prayer...................2021 District Royalty - Queen Macy Jones and King Preston Sullivan Welcome..................................................................John Paprskar, President of Lodge 92 Response and Recognition of Visitors......................First Vice President CarrieAnn Jones Names of Departed Members and Memorial Service..............Second Vice President John Vrla and Youth Members Recognition of Age 96 Members, 75- and 50-Year Members,

Fraternalist Nominee.................................................Second Vice President John Vrla Introduction of Nomination and Auditing Committees......................President Lori Pace Introduction of Contest Judges............................................................President Lori Pace Approval of Minutes and Correspondence..............................Secretary Dana McAdams Treasurer’s Report......................................................................Treasurer Mary Steinman Meeting Floor Turned Over to Youth for Youth Meeting DYC Youth Report...........................................................................DYC Mary Steinman

Committee Reports (Please limit time to three minutes per report.)

Governance Committee..........................................................................Michael Galler

Fraternal Activities Coordinator..................................................................Vicki Sims

Audit..............................................................................................Auditing Committee

Home Office Report.................Vice President of Communications Melanie Zavodny

District Director..................................................District Three Director John Engelke Lifetime Achiever Award.........................................First Vice President CarrieAnn Jones Adult Contest Winners.......................................................................................Vicki Sims Old Business

Summary of Convention................................................District Director John Engelke New Business Announcement of Number of Members in Attendance ..................................Host Lodge Presentations..............................................................................Treasurer Mary Steinman Youth Contest Winners.....................................................................DYC Mary Steinman Election of Officers

Upcoming Events • 2023 District Three Youth Achievement Day (YAD) - need date and host lodge • 2023 Annual Meeting - Sunday, April 23 - need host lodge Host lodges are needed for upcoming events. Please contact District Three President Lori Pace, Director John Engelke, or District Youth Counselor Mary Steinman, if interested. • Keep checking your Vestnik for other dates.

Door Prizes Installation of Officers Meeting Adjournment

Directions to Lodge 92, Fort Worth—3316 Roberts Cut Off Road, Fort Worth, Texas 76114. From IH-35 West in Fort Worth, take IH-30 West to the Henderson exit. Take Henderson North; it becomes Jacksboro Highway (TX 199). Stay on this road north until Roberts Cut Off, which is a right off of Jacksboro Highway. 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.