Vestnik 2019.04.03 by SPJST

ˇ ´ VESTNIK S P J S T

Volume 107 Number 11

Benevolence

H E R A L D

★ Humanity

★ Brotherhood

April 3, 2019

ISSN —07458800

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2019 SPJST Life Insurance and Annuity Extra on pages 4-16

The 2019 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information, insurance plans, and annuity programs available to qualifying SPJST members and prospective members.

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Exciting Events Coming in May

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SPJST Car Show and Czech Heritage Celebration

Grand Re-Opening of Lodge 19, Velehrad Hall

Saturday, May 4 at SPJST Lodge 47, Seaton Star Hall

Sunday, May 19 at TCHCC in La Grange

The 14th Annual SPJST Car Show and Czech Heritage Celebration is Saturday, May 4 at Lodge 47, Seaton Star Hall, which is seven miles east of Temple on Highway 53. This year’s event will include plenty of show cars, Czech music and heritage displays, vendor booths offering various items, food, beverages, and much more. The money raised from the event will go to the SPJST Foundation, which supports the Czech Heritage Museum in Temple and Camp Kubena in Ledbetter. Bring the whole family out to this spectacular event! More information is on page 22.

The SPJST Lodge 19, Velehrad hall was recently painted as part of its restoration process. The Grand Re-Opening of the Lodge 19, Velehrad hall on the campus of Texas Czech Heritage and Cultural Center (TCHCC) in La Grange will be Sunday, May 19 in conjunction with TCHCC’s annual Slavnost - Mayfest: A Tribute to Czech-Texas Immigrants of All Years. Admission is $10 per person and includes the meal and all events. The program begins at 10:30 a.m. with the opening ceremony. A meal and music will follow. More information is on page 22.

( ( ( ( ( Inside This Week’s Věstník ( ( ( ( ( Important Dates ...................................3 Interest Rates.......................................3 Corpus Getaway Info ..........................3 District News......................................17 Lodge Section....................................18 Recipe.................................................22

Youth Section ....................................23 Flag Day Essay Contest Info ............23 In Memoriam ......................................26 Czech Culture ....................................27 Advertisements ............................28-29 Lodge Calendar .................................30

Lodge 80 Holland member earns pastry arts degree

Lodge 25 Ennis collects socks Page 18

Page 20

Czech Newspaper Museum dedicated in La Grange Page 27

Wednesday, April 3, 2019

VĚSTNÍK

ˇ ´ VESTNIK

Editor’s Note

Featuring SPJST’s life insurance and annuity products

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 254-773-1575 (ext. 122) • Mobile: 254-534-0807 VĚSTNÍK Fax: 254-773-8087 email: vestnik@spjst.org or melaniez@usa.com SUPREME LODGE PRESIDENT BRIAN VANICEK, FIC 254-773-1575 (ext. 139) • Mobile: 254-534-2902 email: vanicek@spjst.com VICE PRESIDENT HIRAM DIXON, FICF, LUTCF, CFFM 254-773-1575 (ext. 240) • Mobile: 254-231-7722 email: hiramd@spjst.com CHIEF FINANCIAL OFFICER LEONARD D. MIKESKA, FIC 254-773-1575 (ext. 149) Mobile: 254-721-4739 • Home: 254-778-3720 email: leonardm@spjst.com DIRECTOR OF ACCOUNTING/INFORMATION TECHNOLOGY SERVICES ROY VAJDAK 254-773-1575 (ext. 142) • 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 BOBBY DAVIS, FICF, CFFM 1886 Pecos Street, Suite 3, San Angelo, Texas 76901 Mobile: 325-450-3748 • Fax: 325-657-2003 email: bgdsr2428@aol.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 (ext. 246) • richardh@spjst.com REGIONAL GENERAL AGENTS DISTRICT ONE - Jim Schroeder, LUTCF 936-661-2294 • jschroeder55@suddenlink.net DISTRICT TWO - Contact SPJST Home Office 800-727-7578 for assistance. DISTRICT THREE - Sabino Garcia 817-909-8899 • garciasabi@att.net DISTRICT FOUR - Philip (Phil) McBee, FICF, CFFM 325-647-1949 • Fax: 325-784-7448 mcbeephilip@gmail.com LODGE 219, EL PASO - Francisco Viniegra 915-203-3124 • fviniegra@vinquiz-insurance.com DISTRICT FIVE - Delisle Doherty 832-232-2049 • delisled@sbcglobal.net DISTRICT SIX - Carolina Covarrubia 281-779-9956 • covarrubia.carolina@yahoo.com DISTRICT SEVEN - Armando Perez, LUTCF 361-425-5543 • asperez6040@hotmail.com CAMP KUBENA • 2001 Waldeck Rd • Ledbetter, TX Rob Clift, Executive Director 979-249-5674 • rob@campkubena.com

HUMAN RESOURCES LYNETTE TALASEK 254-773-1575 (ext. 146) • email: lynettet@spjst.com STATE FRATERNAL DIRECTOR FRANK HORAK Office: 254-773-1575 (ext. 177) • 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 - Mary Steinman, 1136 Westgrove Dr, Saginaw, Texas 76179-3463 - 817-731-2580 - appamary@sbcglobal.net District Four - Pam Lehmann, PO Box 637, Tahoka, Texas 79373-0637 - 806-561-5105 - plehmann@poka.com District Five - Melissa Victorick-Brown - 2324 Lakeway Drive, Friendswood, Texas 77546-6196 - 832-274-7369 allenandmelissabrown@gmail.com District Six - Lisa Bubela, 1405 Divide Street, El Campo, Texas 77437 - 979-543-7120 - lisa_bubela@yahoo.com District Seven - April Howard, 2908 Oakdell Trl, New Braunfels, Texas 78130 - 830-624-9242 - aprhoward@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 - malaktax@gmail.com District Six - Glenn Kaminsky, 902 River Oaks Court, East Bernard, Texas 77435 - 979-335-4461 - g2kamin@live.com District Seven - James House, 146 Deer Run Street, 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 - Lorenda Baldwin, 219 County Road 47, Angleton, Texas 77515-9721 - 979-864-9999 - lorendave14@sbcglobal.net 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

ll SPJST member households are receiving this week’s Věstník. The Věstník is SPJST’s official publication and is available by email or mail. It is published three times per month. If you are not currently on the mailing list and would like to subscribe, please sign up online at spjst.org; send an email with your name, address, and phone number to vestnik@spjst.org; or call 254-773-1575, ext. 169. This Věstník includes information about SPJST’s life insurance and annuity products. Please take a special look at pages 4 to 16 to learn about our products. If you have questions or need any information, please contact any of the agents listed on pages 14 through 16. They are all ready and willing to assist with your life insurance and annuity needs. You can also give us a call at the Home Office. Stay Tuned! Watch the Věstník for more scenes from the District Two Spring Meeting held Sunday, March 17 at Lodge 48, Beyersville; District Five Spring Meeting held Sunday, March 17 at Lodge 88, Houston; District Six Spring Meeting held Sunday, March 24 in Moravia; and District Seven Spring Meeting held Sunday, March 10 at Lodge 107, Floresville. This Week’s Funnies A man tells his doctor, “Doc, help me. I’m addicted to Twitter!” The doctor replies, “Sorry, I don’t follow you . . .” What do you call a parade of rabbits hopping backwards? A receding hare-line.

What’s the difference between a cat and a comma? A cat has claws at the end of paws; a comma is a pause at the end of a clause. What did the left eye say to the right eye? Between you and me, something smells. Why did the frog take the bus to work today? His car got toad away. Věstník Dates and Deadlines Please note that the Věstník deadline is at 12 noon on Wednesdays, unless otherwise noted. April 10 Věstník deadline is Wed., April 3 at 12 noon No April 17 Věstník April 24 Věstník Early Deadline Alert (due to Easter Holiday): deadline is Tue., April 16 at 12 noon May 1 Věstník deadline is Wed., April 24 at 12 noon No May 8 Věstník May 15 Věstník deadline is Wed., May 8 at 12 noon May 22 Věstník deadline is Wed., May 15 at 12 noon No May 29 Věstník

—SPJST—

VĚSTNÍK, (USPS 658480) is published weekly except as announced in advance by SPJST, PO 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/Information Technology Services Roy Vajdak, P.O. Box 100, Temple, TX 76503-0100.

VĚSTNÍK

Wednesday, April 3, 2019

SPJST Family Fun and Important Dates April 6 April 6 April 6 April 7 April 7 April 7 April 7 April 13 April 13 April 14 April 16-17 April 19 April 19 April 27 April 28 April 28 May 4 May 4 May 5 May 11 May 12 May 19

Number in ( ) denotes district location. SPJST State 42 Regular Domino Tournament SPJST Home Office, Temple Camp Chaperone Training • Camp Kubena, Ledbetter District Four Spring Meeting Sacred Heart Catholic Church, Wichita Falls hosted by Lodge 207, Iowa Park (4) Lodge 6, Cottonwood Easter Party/Meeting (3) Lodge 25, Ennis Youth Club Easter Egg Hunt (3) Lodge 47, Seaton Meal Honoring Longtime Members (2) Lodge 47, Seaton Youth Club Easter Egg Hunt (2) Lodge 88, Houston Easter Party (5) Lodge 196, Houston-West Easter Egg Hunt, Meeting and Social (5) Lodge 107, Floresville Spring Banquet (7) Supreme Lodge Meeting • SPJST Home Office, Temple Good Friday • SPJST Home Office Closed Lodge 91, San Jacinto hosts Paws Across Texas Crosby Walmart (5) Lodge 81, Needville hosts SPJST Float Needville Youth Fair Parade (5) Camp Chaperone Training SPJST Home Office, Temple District Three Spring Meeting • Lodge 154, Fort Worth (3) Join Hands Day SPJST Car Show and Czech Heritage Celebration Lodge 47, Seaton (2) Camp Chaperone Training at SPJST Home Office, Temple Lodge 20, Granger hosts SPJST Float Granger Lakefest Parade (2) Lodge 24, Cyclone Mother’s Day Barbecue (2) Lodge 19, Velehrad Hall Grand Re-Opening Day

SPJST INTEREST RATES 01/31/2019 - 04/30/2019 Universal Life Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) • Credited Rate: 3.00%

Whole Life/Universal Life 3

want to

receive your

věstník on

tuesday?

(plans 1223-1232 with a guaranteed rate of 2.50%) • Credited Rate: 3.50%

Annuities

VESTNIK

Annuity 5 (plans 8032-8039, 8057 with a 1.50% guaranteed rate) • Credited Rate: 3.00%

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

Annuity 6 (plans 8058-8065 with a 1.65% guaranteed rate) • Credited Rate: 3.25%

Subscribe to receive the Věstník by email. Visit www.spjst.org to sign up for an email subscription.

SAVE THE DATE Make plans now to attend the

13th Annual Corpus Christi Getaway Weekend August 9 - 11, 2019 Enjoy a fun-filled weekend with family and friends at the Emerald Beach Hotel in Corpus Christi. Located at 1102 South Shoreline, the Emerald Beach is the only beachfront downtown hotel.

Discount Rate: $119 per night Applicable taxes apply To make your reservations, please call the hotel directly at 361-883-5731 and refer to group code “SPJ” to assure that you receive the proper room rate.

SPJST Life Insurance and Annuity Extra contents The 2019 SPJST Life Insurance and Annuity Extra provides a summary of general insurance information, insurance plans, and annuity programs available to qualifying SPJST members and prospective members. Different types of life insurance....................................................................................4 Tips on buying life insurance ........................................................................................4 Affordable Insurance Options .......................................................................................5 Annual Reviews Available to all Members ...................................................................5 Should I buy life insurance through work or on my own?.........................................5 What you should know about buying life insurance ..................................................6 How to purchase insurance: Choosing an agent ......................................................6 How to purchase insurance: Choosing a policy ........................................................7 What is an annuity? ........................................................................................................9 How are annuities different from life insurance?......................................................10 Why should I consider purchasing an annuity? .......................................................10 What are the different types of annuities: fixed vs. variable ..................................10 What are surrender fees?.............................................................................................11 What is the difference between a fixed and variable annuity?................................11 What are deferred and immediate annuities?............................................................11 SPJST Annuities ...........................................................................................................12 How much should I invest in an annuity?..................................................................13 What is a “free-look” provision?.................................................................................13 Directory of SPJST Sales Agents ..........................................................................14-16

Wednesday, April 3, 2019

VĚSTNÍK

Different types of life insurance The money your beneficiary receives can help cover expenses and ensure that your family is not burdened with debt.

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: • 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

• 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. 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.

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

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.

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.

What are the advantages and disadvantages of each type of insurance? Cash Value Insurance Advantages • Lifelong protections as long as the premiums are paid.

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

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.

• 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.

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

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

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

VĚSTNÍK

Wednesday, April 3, 2019

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 14 through 16 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 Regional General Agent (RGA) or local SPJST lodge sales agent. Your name will be entered in SPJST’s monthly drawing.

• 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

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:

For 122 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 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 800-72-SPJST. —SPJST—

Wednesday, April 3, 2019

VĚSTNÍK

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—

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SPJST

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Insurance

Hiram Dixon FICF, CFFM, LUTCF

Supreme Lodge Vice President 10 Years Service

Cynthia Hutka

Insurance Department Manager 32 Years Service

Richard Hrbacek

Dolores Babic

Operations Manager/ Marketing Manager 1 Year Service

New Business Technician 9 Months Service

Lisa Mills

Doni Powell

Dana Boyd

Administrative Specialist/ Certificate Issue Technician 3 Years Service

Department

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Staff •••••••

Virginia Longoria Customer Service Representative 3 Years Service

Terry Malina

Insurance/ Beneficiary Technician 5 Years Service

Administrative Assistant to the Vice President 10 Years Service

Insurance Underwriter 18 Years Service

Susan Shofner

Field Support/ Store Promotional Specialist 19 Years Service

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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

SPJST 15-Year Term

SPJST 20-Year Term

SPJST 30-Year Term

Product Overview

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).

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 Amount: $25,000

Minimum Amount: $100,000

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

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 70 years

Issue Ages: 18 to 65 years

Issue Ages: 18 to 55 years

*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).

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 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.

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.

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.

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.

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 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 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.

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.

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.

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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. 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

SPJST Whole Life

SPJST Paid Up at 65 Whole Life

Product Overview

Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100.

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 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).

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 80 years

Issue Ages: 0 to 55 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.

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.

complicated. Your agent or financial advisor 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

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

rates or investment returns are lower than the 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.

Wednesday, April 3, 2019

VĚSTNÍK

SPJST 10 Pay Whole Life

SPJST 20 Pay Whole Life

SPJST Universal Life 3

Product Overview

Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable for 10 years.

Benefit Description • Level death benefit. • Level premium permanent life insurance to age 100. • Premiums payable for 20 years.

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

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:

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).

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

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:

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

Protection from creditors If you own an immediate annuity (that

• Primary purpose – accumulation or payout (deferred or immediate) • Nature of pay-out commitment – fixed period, fixed amount, or lifetime

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

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.

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

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.

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.

Interest Rate Through 04/30/2019 Universal Life 3 (plans 1203-1222 with a guaranteed rate of 2.50%) Credited Rate: 3.50%

Maturity Age: 95 (matures for cash value)

What i s an An n u ity?

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.

• Nature of the underlying investment – fixed or variable

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

$ . $ . $

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.

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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

VĚSTNÍK 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/

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 Term Life

Main Reason For Buying It:

Provide income for dependents

Annuities

Whole Life

Deferred Annuities

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

You die

You die, borrow the cash value or surrender the policy

You make withdrawals

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

Single sum

Single sum or income

Lifetime income

Buyer’s Age When It Is Typically Bought:

25-50

30-60

40-65

55-80

Does It Accumulate Money Tax-Deferred?

Yes

Yes, but only in the early payout years

Pays Out When:

Typical Form Of Payment:

Does It Pay A Death Benefit? Are Benefits Taxable Income When Received?

Yes

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

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

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

VĚSTNÍK 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.

Wednesday, April 3, 2019 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:

willing to assume should influence the kind of funds you select.

• Conservative investors who value safety and stability.

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

• 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

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

• 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

Wednesday, April 3, 2019

VĚSTNÍK

SPJST Annuities

Current Minimum Guaranteed Interest Rate: 1.65% through April 30, 2019

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

Current Interest Rate: 3.25% through April 30, 2019

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.

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.

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.

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:

All Flexible Annuities Straight Annuity Traditional IRA Roth IRA

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.

••••••••••••

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.

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.

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 5-Year Annuity

SPJST 10-Year Annuity

Eligibility Requirements Same as Flexible Annuities

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.

Issue Ages 0 to 85 years. Issue age may be extended with prior approval and arrangement with SPJST Supreme Lodge Vice President.

VĚSTNÍK

Wednesday, April 3, 2019

Current Minimum Guaranteed Interest Rate: 1.65% through April 30, 2019 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.

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.

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

• 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.

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.

• 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.

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.

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.

••••••••••••

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

• 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.

• 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.

years. If the annuitant lives past the certain period, distributions would cease when the annuitant dies. This is the most popular lifetime option.

• 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.

• 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.

• 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

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

Wednesday, April 3, 2019

VĚSTNÍK

SPJST SALES AGENTS Listing reflects Home Office records as of March 22, 2019. District number appears in ( ). Use of this information for solicitation or commercial purposes is a violation of the SPJST Privacy Policy and is strictly prohibited.

REGIONAL GENERAL AGENTS District One - Jim Schroeder, LUTCF 936-661-2294 jschroeder55@suddenlink.net District Two - SPJST Home Office 800-727-7578 District Three - Sabino Garcia 817-909-8899 • garciasabi@att.net District Four - Philip McBee, FICF, CFFM 325-647-1949 • Fax: 325-784-7448 mcbeephilip@gmail.com Lodge 219, El Paso - Francisco Viniegra 915-203-3124 fviniegra@vinquiz-insurance.com District Five - Delisle Doherty 832-232-2049 delisled@sbcglobal.net District Six - Carolina Covarrubia 281-779-9956 covarrubia.carolina@yahoo.com District Seven - Armando Perez, LUTCF 361-425-5543 asperez6040@hotmail.com ••• 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 Steven Kucera 254-498-2359 skucerainsurance@gmail.com James Nemec 254-424-1344 nemec1976@yahoo.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 29, TAYLOR (2) Karin Bryant 254-338-3275 allyourinsuranceneeds@centurylink.net 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 13, DIME BOX (1) Andrea Dowdy 979-540-0162 kimdowdy@verizon.net

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 covarrubia.carolina@yahoo.com Karen Kaspar, FIC, CFFM 979-332-1616 k-kaspar@hotmail.com 979-543-2532

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 Gordon Richardson 979-595-6666 gordy@gbrlifeinsurance.com LODGE 18, ELGIN (2) Betty Gaskamp 512-281-0234 bettygaskamp@yahoo.com Lorri McCrary 512-484-0946 lmccrary@mccraryinsurance.com William McCrary 512-281-6000 bmccrary@mccraryinsurance.com LODGE 23, MORAVIA (6) Elizabeth Holub 979-561-8640 mikelizh@cvctx.com LODGE 24, CYCLONE (2) Roberta Amos 254-773-1114 ramos@fctinsurance.com Bonnie Carnegie 254-624-6733 mannazo.bc@gmail.com Paulino Castillo 254-773-8899 paulino@texaslibertyins.com Alesia Dawson 254-721-4172 alesia.d.dawson@live.com Richard Green 512-826-6661 rg31148@gmail.com Dorthelia Williams 254-721-4095 sisdottie1960@aol.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) Glenn Kaminsky, FIC 979-335-4461 g2kamin@live.com

LODGE 32, VICTORIA (6) Kenneth Harter 402-631-8587 kdharter@sbcglobal.net Mark Lester 361-484-2565 mwlester@ymail.com Silvia Rangel 361-571-1697 silviarangel23@yahoo.com Joshua Rivera 361-571-9153 agentjoshuarivera@gmail.com LODGE 35, ELK (3) James Mann, FIC 254-715-0275 mrdudemann@yahoo.com LODGE 38, KOVAR (1) Vianna Kathryn Bayes 512-303-6733 kathy@insurance4texas.com Brandy Cota 903-271-2266 brandy@insurance4texas.com LODGE 40, EL CAMPO-HILLJE (6) Sheldon Holub, FIC 979-543-7387 sholub@awesomenet.net Jo Ann Marik 979-541-9513 jmarik@sbcglobal.net LODGE 41, PORT LAVACA (1) Alice Bland 361-920-6160 alicefbland@yahoo.com Herman Novak, Jr. 361-482-8342 hanknovak@cableone.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 Michael Seiler 254-939-0180 mseiler@farmersagent.com Dolores Skrabanek, FIC 254-985-2344 dskrabanek@embarqmail.com Donica Zabcik 254-749-5607 donicaz@hotmail.com LODGE 48, BEYERSVILLE (2) Donna Vanecek 512-736-5731 donnavanecek@yahoo.com LODGE 49, ROWENA (4) Frances Aleman 325-977-0757 fmaleman0405@gmail.com Dana Dolan 325-829-3157 danakdolan@yahoo.com Angela Bejil Garcia 325-227-9384 abglife1@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 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) Michele Aguilar 254-640-0233 michele@matulainsurance.com Kim Allen 254-709-1227 mustang_2501@yahoo.com Robert Brown 817-204-4061 ber68@netzero.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 christineg9@grandecom.net Randy House 254-749-4636 rhouse3407@gmail.com

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Wednesday, April 3, 2019

Larry Matula 254-799-9616 agency@matulainsurance.com Robert Satchell, Jr. 254-523-5481 jrphoenixcapital@gmail.com Sammy Tull 254-857-8600 sjtrmtull@gmail.com Nelson Washington, Jr. 832-508-1507 save@budgetinsusa.com

LODGE 80, HOLLAND (2) Cliff Cosper 254-939-2882 cliff@paragoninsagencies.com Laura Cosper 254-231-2307 lauracosper@yahoo.com Frank Horak 254-657-3018 f_horak@yahoo.com Joe W. Liles 254-657-2488 joelilesrvos@gmail.com 254-913-7674

LODGE 67, SCHULENBURG (1) Adrienne Kobza 979-561-8237 akobza@cvctx.com

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 76, WICHITA FALLS (4) Ray Esparza 940-766-0472 rayesparza.agency@gmail.com Ananias Edwards, III 940-923-0462 nize3@aol.com Katy Williams 806-202-3925 katyleewilliams@gmail.com LODGE 79, CORPUS CHRISTI (7) Velma Barrios 361-877-4453 Carlos Benavidez 361-739-5907 ccarlosgb3@aol.com Stephen Christoph 361-537-0504 christoph_mark@yahoo.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 Maclovio Garcia 361-688-1501 mgarcia039@gmail.com Ralph Juarez 361-537-5506 juarez2112@aol.com Oscar Longoria, LUTCF 361-325-3551 osamlong@yahoo.com Thelma Martinez 361-442-7697 lady60tee@gmail.com Mary Mongold 361-232-8224 mary.mongold@yahoo.com Javier Mora 361-549-0116 javier62m@gmail.com Gracie Hoyt-Morris 361-688-9152 gracie.hoyt@gmail.com Armando Perez, LUTCF 361-425-5543 asperez6040@hotmail.com Adela Resendez 361-415-5765 resendezadela@yahoo.com Vivian Resendez, Jr. 361-415-5766 vcresendez@gmail.com Manuel Salazar 956-358-1967 manuelt1221@hotmail.com Viola Thrasher 361-425-3699 elder_nmbr4@yahoo.com Eva Linda Vasquez 361-765-3258 elvasquez54@yahoo.com Deborah Whittington 361-939-7588 dawhittington@sbcglobal.net

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) Billye Westlake 254-913-3087 billyew@spjst.com LODGE 88, HOUSTON (5) 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 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 Vickie Wilkinson 832-594-9361 vickiewilk@netscape.net LODGE 91, SAN JACINTO (5) Tommy Ganaway 281-204-7211 tommyganaway@gmail.com Charles Thomas, Jr. 832-687-1099 charlesintx@gmail.com 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 Penelope De La Rosa 210-274-8672 pdlr46@gmail.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 pattymier50@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 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) Connie Sue Carter 409-350-9598 conniesuecarter@gmail.com Kerry Herrington 281-704-5737 kerryherrington@yahoo.com Stacey Kellen 832-986-3344 staceykellen.cl@gmail.com Catherine Manchack 281-893-8107 cnmanchack@gmail.com LODGE 151, WHARTON (6) Monica Barcenas 832-375-4927 monica@ftinsurance.org Charles Bucek, FIC 979-335-4118 ccbucek@yahoo.com Carol Lynch 979-453-0223 caroljolynch@yahoo.com Gerald Macha 281-799-4150 geraldmacha@comcast.net Karen Schulz 979-533-2598 insurance4tx@att.net 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) Ophelia Bogs 806-200-3943 obogs@angelo.edu Bobby G. Davis, FICF, CFFM 325-450-3748 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) Sheryl Lebman-Brown 713-703-8948 lebmanbrown@yahoo.com William Reynolds 832-882-4660 williamreynolds9@gmail.com LODGE 169, BRENHAM (1) Janna Alsobrook 713-392-3831 janna.alsobrook@gmail.com Christy Schlottman 979-830-3630 cschlottman@farmersagent.com Anthony Edmonds 713-816-1384 aedmonds@edmondsins.com Cheryl Liere, LUTCF 713-899-9365 cliere@edmondsins.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 177, ACADEMY (2) George Lytle 512-630-8537 texan2051@gmail.com Nancy Miller 254-983-0011 nancym@spjst.com LODGE 178, LONGVIEW (3) David Cotham, Jr. 903-736-4637 cotham75605@yahoo.com Michael Baldwin 903-445-5299 mikebaldwin@hotmail.com Robert Esquivel 903-917-7220 don371073@msn.com Nancy Nunez 903-918-3771 nancynunez@sbcglobal.net Charles Soules 903-452-1869 charlsoul@aol.com

Wednesday, April 3, 2019

LODGE 180, BURLESON (3) Nancy Kelly 817-558-7347 nanolesgem@hotmail.com LODGE 182, FALLS COUNTY Johna Deann Beckendorf 254-275-8028 joh.becken@yahoo.com LODGE 183, ARLINGTON (3) Jose Figueroa 214-738-4885 jose2000zz@msn.com Danilo Galeas 972-998-3325 igaleas@tx.rr.com Sabino Garcia 817-909-8899 garciasabi@att.net Arnoldo Lerma 682-438-4693 lerma13@gmail.com Tamiko Johnson-Sharpe 469-212-2023 tamiko@onesharpesolution.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 David Doonan 979-219-4186 david@dandlins.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) Kayme Black 979-436-8638 ktexlynn89@gmail.com Brandon Eisenman 936-870-8188 brandon@wegibson.com Jericka Foster 936-355-9663 wakefieldins@windstream.net Eva Gonzales 832-545-9987 ngonzales65@outlook.com Nicole Hesseltine 361-876-6245 nikkihesseltine@yahoo.com Mynde Kessler 512-948-6524 mkessler@farmersagent.com Joy Kovar 979-966-2932 joykovar@live.com

VĚSTNÍK 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 Grady Wakefield 936-348-8289 gwakefield@xlassets.com Robert Walters 936-349-3512 bobby@bobbywaltersinsurance.com William Walters 936-349-7181 keechi@rocketmail.com Craig Wilhelm 806-282-7513 cwilhelm@wegibson.com Uldric Zemanek, Jr. 979-822-3277 buddyzmf@verizon.net LODGE 191, LUFKIN (5) Charles Clark Moore, Jr. 936-554-9404 clark@thelakeinsurance.com Doyle Oliver 936-366-0386 doyleoliver@consolidated.net LODGE 196, HOUSTON-WEST (5) Linda Bratina 832-647-9971 lindabratina@gmail.com Stacey Carter 832-329-8604 staceycarter16@gmail.com Mark Childres 832-496-6646 mark@childresinsurancegroup.com Delisle Doherty 832-232-2049 delisled@sbcglobal.net Donald Fruin 832-651-5388 dfruin@fruinandassociates.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 fmcbride44@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 206, MEXIA (3) Celeste Coffee 254-747-0045 crcoffee@aol.com Melissa Pew 254-644-7355 mpewins@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) Nirma Bustamante 915-726-4485 nirmainsurance@gmail.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 Adalberto Flores 915-493-0898 aflocar@gmail.com Iliana Flores 915-244-5946 ilianaflores.famflores@gmail.com Rosa Flores 915-626-7376 rosisela512@hotmail.com Silvia Gallegos 915-226-1970 silviapantoja8@hotmail.com Marcos Gonzalez 915-226-9664 marcos.a.gonzalez@outlook.com Julian Guedea 915-926-9503 guedeag@yahoo.com Jorge Lara 915-929-8356 jlara@du.edu Miguel Lopez 915-329-0810 miguel.lopezelpaso@gmail.com Elizabeth McKula 915-843-7578 emckula@gmail.com Marcos Murillo 915-887-8805 mmurillo@yisd.net 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 Hugo Roldan 915-800-6201 dp.whitemgt.gmail.com Francisco Viniegra 915-203-3124 fviniegra@vinquiz-insurance.com Norberto Zepeda 915-255-7753 nezepeda@outlook.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) Isabel Berartez 325-320-9218 isa_bel_76@yahoo.com Kathleen Calderon 325-232-8240 calderon@5starautoins.com Tammy Copeland 325-333-4089 t.copeland45.tc@gmail.com Jesusita Hudson 325-370-0573 suziqandlvh@yahoo.com Philip McBee, FICF, CFFM 325-647-1949 mcbeephilip@gmail.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 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) Mary Bird, CFFM, FIC 832-851-5466 maryebird@att.net 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 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 LODGE 246, MORGAN’S POINT (2) Ronnie Gaines 254-458-5781 rgaines1@farmersagent.com Tamara Gettys 254-773-1575 tamarag@spjst.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 LODGE 272, DEL RIO (4)* Loida Arellano 830-469-9789 loidaac26@yahoo.com Sandra Del Socorro Cortez 210-287-6186 sancarballo@sbcglobal.net Tammy Hyslop 830-734-1048 zertuche.insuranmce@gmail.com Theresa Murray 830-313-0975 tmurray3@sbcglobal.net Richard Robles 830-778-2020 sunsetmemorialoaks@yahoo.com Hilda Shearer 210-687-7934 hilda.torres77@yahoo.com Indra Votion 210-386-3383 indracm@yahoo.com.mx —SPJST—

VĚSTNÍK

∂ District News ∂

District Four Spring Meeting this Saturday in Wichita Falls The District Four Spring Meeting, hosted by Lodge 207, Iowa Park, will be held Saturday, April 6, 2019, at Sacred Heart Catholic Church, located at 1507

9th Street in Wichita Falls, Texas. Registration will begin at 10:30 a.m. Meal will be served at 12 noon with the business meeting following.

Wednesday, April 3, 2019 RSVP for Meal Please call Dennis or Joyce Kotulek at 940-855-0882 to make reservations no later than Friday, March 29 so we will know how much food to prepare. Fraternally, Joyce Kotulek Secretary/Treasurer/Reporter Lodge 207, Iowa Park —SPJST—

District Three Spring Meeting is Sunday, April 28 at Lodge 154, Fort Worth Watch for more details coming soon.

O O O Presenting 2019 District Two Officers O O O The 2019 District Two officers are, second from left to right, President Rita Spinn (80), Vice President/Fraternal Activities Coordinator Ruth Hanusch (47), Secretary Linda Johnson (187), Flag Bearer Makayla Newsom (48), Treasurer Lyn Rieger (29), Flag Bearer Seth Martinez (47), District Youth Counselor Patsy Koslovsky (47), Assistant DYC Amber Bartek (47), and Assistant DYC Cristy Girod (47). They are pictured with District Two Director Jesse Pospisil, far left.

O O O Presenting 2019 District Five Officers O O O The 2019 District Five officers and representatives are, back, left to right, Education and Nature Center Director Carolyn Filipp Beseda (88), S.P.J.S.T. Senior Living Centers Director Bradley Stavinoha (81), Secretary Mary Ann Kieschnick (142), Second Vice President J.R. Coleman (142), President Ashley Victorick (88), Treasurer Kerry Herrington (142), First Vice President Clay Zapalac (232), District Youth Counselor Melissa Victorick-Brown (88), and Assistant DYC Amanda Muzny (142). They are pictured with SPJST Chief Financial Officer Leonard Mikeska, back, far right. Not pictured is Czech Heritage Museum Director Jasmina Kocurek (232). Youth in front are, left to right, Sergeant-at-Arms Anahi Guerrero (88), Vice President Kadence Miller (142), Flag Bearer Kaylee Lewis (142), Secretary Ryder Butera (142), Flag Bearer Embry Butera (142), President Zac Coleman (142), and Co-Treasurers Hope Novark (88) and Megan Pflughaupt (88).

O O O Presenting 2019 District Seven Officers O O O The 2019 District Seven officers are, second from left to right, President Donnie Howard (185), Vice President James House (202), Secretary Wendy Pruski (107), Treasurer Sandra Hoggard (202), Fraternal Activities Coordinator Regina House (202), District Youth Counselor April HaagHoward (185), and Assistant DYC Lian Pruski (107). They are pictured with Chief Financial Officer Leonard Mikeska, far left, and District Seven Director Bob Bayer, far right.

Wednesday, April 3, 2019

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

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

Email: vestnik@spjst.org

Lodge 4, Hallettsville meets Sunday, April 14

Lodge 6, Cottonwood Easter party this Sunday, April 7

SPJST Lodge 4, Hallettsville will meet Sunday, April 14, 2019, at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street. Fraternally, Patsy Zabransky, Reporter —SPJST—

Easter greetings! You’re invited to the SPJST Lodge 6, Cottonwood Easter party on Sunday April 7, 2019, at the lodge hall, located at 700 South Czech Hall Road in West, Texas. Beginning at 2 p.m. is the Lodge 6 meeting. The presentation of 50-year pins follows. The annual meeting of SPJST Lodge 6, Inc. will also be held. Everyone is invited to participate in the Easter egg hunt for all ages. Between 4:30 to 5 p.m., a fried chicken dinner will be served. Members are asked to please bring desserts. Fraternally, Barbara Jean Hykel, Secretary —SPJST—

Lodge 9, Snook welcomes new members

Lodge 25, Ennis Easter egg hunt this Sunday, April 7

The March 6, 2019, meeting of SPJST Lodge 9, Snook was called to order by President Donnie Hejl at 7 p.m. Loree Lewis 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 given. We received thank yous from Snook 4-H and Camp Kubena. The youth club had a district outing at Silver Wings. We welcomed three new members Kristin Jakubik, Bradley Ramseier, and Jase Bain Hruska. Under old business, the new stove has been installed and the PA system will be installed in time for the District One Spring Meeting which is March 31. Under new business, motions were passed to send $100 to the 100 Pennies Scholarship Fund and to haul two loads of rock in our front parking lot. March birthdays include Donnie Victorick on the 23rd and Janice Victorick on the 25th. The meeting adjourned at 7:28 p.m.

Dear Members and Readers, Upcoming activities are: Sunday, April 7 1:30 p.m. - Easter egg hunt, youth club meeting Thursday, April 11 6:30 p.m. - members supper 7 p.m. - monthly meeting with social to follow Wednesday, April 24 6:30 p.m. - potluck supper and April birthday celebration (come-and-go) from 5 to 10 p.m. We look forward to seeing you soon. Fraternally, Margaret Krajca, Reporter —SPJST—

Next Meeting—April 3 The next meeting will be Wednesday, April 3 at 7 p.m. Fraternally, Hannah Kovar, Reporter —SPJST—

Lodge 25, Ennis awards door prizes; collects socks for “Warm Feet for Warriors”

Door prize winners of pen and pencil sets at the March 14, 2019, Lodge 25, Ennis meeting were, left to right, Pat Fowler, Harry Matous, Karen Puente, and JoAnn Jones. Not pictured is Carol Mraz. CENTER PHOTO: Door prize winners of the metal detector was Adell Rejcek, left, and the slivovitz drink set was Willie Mae Matous. RIGHT PHOTO: Lodge 25,

Ennis joined with KJT Society No. 35 as a drop-off location for the sock collection drive - “Warm Feet for Warriors,” sponsored by Soldiers Angels. Pictured with the donations are, left to right, Youth Leaders Rita Holland and Betty Macalik and Lodge 25 President JoAnn Jones. —Submitted by Margaret Krajca, Reporter

VĚSTNÍK

Wednesday, April 3, 2019

Lodge 47, Seaton Easter egg hunt this Sunday, April 7 Dear Vestnik Readers, On Sunday, April 7, Lodge 47, Seaton Youth Club will sponsor an Easter egg hunt at 1:30 p.m. for all young children. It will be held prior to the mother lodge meeting so parents and grandparents can enjoy their little ones. The Lodge 47 meeting will follow the egg hunt at 2 p.m. with the 75- and 50-year members being our honored guests. A meal will then be served with the lodge furnishing the meat. Members are asked to bring side dishes and/or desserts. Fraternally, Patsy Koslovsky, Reporter —SPJST—

Lodge 66, Waco supports SPJST Car Show The Lodge 66, Waco meeting was called to order by President John Engelke at St. Paul’s Church on Monday, March 18, 2019, at 6 p.m. with all officers present. There were 14 members present and four guests - Joan Shelton, and Hannah, Fiona, and Reid Galler. Members recited the Pledge of Alle-

giance and motto. Members stood for a moment of silence for deceased member Anna Towery. Sister Betty Slovak thanked members for the donation made to Meals on Wheels in the name of Henry Slovak. Sister Dana McAdams thanked members for the donation that was made to Ramah in her name. Secretary Sister Dana McAdams read the minutes of the February 18 meeting, and they were approved as read. Sister Diana Engelke read a thank you note from Janet E. Nors, director of development at Meals on Wheels Waco, for the $150 donation in memory of Henry Slovak. For the April 15 meeting, hot dogs and trimmings will be served. Sister Diana Engelke read the names of candidates for membership. Clifford Randal House wrote up Kenneth Wayne Johnson. He was accepted into Lodge 66. Bookkeeper Sister Diana Engelke gave the bookkeeping report. Fraternal Activities Coordinator Sister Diana Engelke read a letter from State Fraternal Director Frank Horak. Lodge 66 is making a $250 donation to the SPJST Car Show and Czech Heritage Celebration. The event is Saturday, May 4 at Lodge 47, Seaton Star Hall. Funds benefit the SPJST Foundation. A $100 donation for March will be made to St. Paul’s Church Community Easter Egg Hunt.

Next Meeting—April 15 The next Lodge 66 meeting will be Monday, April 15 at St. Paul’s Church, at 6 p.m. Fraternally, Dorothy Veselka, Reporter —SPJST—

Lodge 79 Corpus Christi plans honoree luncheon, meeting April 28

Lodge 66, Waco honors March birthdays Happy March birthdays to John Engelke and Joan Shelton! They were recognized and honored at the Lodge 66, Waco meeting held Monday, March 18, 2019. —Submitted by Dorothy Veselka, Reporter

Congratulations to Thomas and Jane and Galler on their 40th wedding anniversary. March birthday celebrants present were Joan Shelton and John Engelke. Door prize winner was Diana Engelke, and the 100 percent winner was Mary Lou Urbanek. The meeting adjourned at 7:30 p.m.

Lodge 79, Corpus Christi celebrated a St. Patrick’s Day on Sunday, March 17, 2019, with a potluck meal. Youth member Jacob Rebecek led us in prayer. President Mark Rebecek opened the meeting at 2 p.m. with the Pledge of Allegiance. We had a moment of silence for deceased member Lance Morck. On the sick list were Vangie Diaz and Vivian Resendez recovering from falls. All officers were present, and we had 32 members and guests in attendance. Secretary Virginia Rebecek read the February minutes, and Treasurer Larry Elzner gave the financial report. Both were approved. Under communications, Secretary Virginia Rebecek read the death claim and announced two new sales agents. She also read a thank you note for our donation to the Founder’s Day Celebration.

Lodge 79, Corpus Christi shares St. Patrick’s Day-themed meeting scenes

LEFT PHOTO: Thanks to Laura Rebecek for decorating tables with a St. Patrick’s Day theme at the Lodge 79, Corpus Christi meeting on March 17, 2019. PHOTO 2: Jacob Rebecek celebrated his birthday on March 1. Happy birthday! PHOTO 3: Mary and Lanny Mongold cele-

brated their 40th wedding anniversary on March 31. Congratulations! RIGHT PHOTO: Armando and Vangie Diaz celebrated their 48th wedding anniversary on March 20. Congratulations! —Submitted by Mark Rebecek, President

Wednesday, April 3, 2019

FAC report was given by Vice President/FAC Jerry Sijansky. He stated three members from Lodge 79 attended the District Seven Spring Meeting at Lodge 107, Floresville. Officers were elected for the 2019-2020 year. The District Seven Fall Meeting will be held in Jourdanton. Lodge 79 will be honoring 50- and 75-year recipients at the April 28 meeting with a catered meal. There was no unfinished business. Under new business, member Michael Urbanovsky showed an audio video. Judy Majek made a motion that our monthly donation go to the Mother Teresa Shelter. Motion was approved. The youth club report was given by Youth Leader Marcia Rew. They had seven members and guests in attendance. They discussed unplugging electronics, American flag, and Join Hands Day. They also did a craft. President Rebecek introduced sales agents who were attending the meeting - Armando Diaz, Vivian and Adela Resendez, and Mary Mongold. Birthday for March was Jacob Rebecek on the 1st. “Happy Birthday” was sung to Jacob. Wedding anniversaries for March were Armando and Vangie Diaz - 48 years on the 20th and Lanny and Mary Mongold - 40 years on the 31st. Youth member Sarah Urbanovsky showed her trophy for winning the spelling bee at Bishop Garriga Middle School and other certificates she received. Congratulations, Sarah! Twenty-five dollar door prizes were won by Vivian Resendez and Leona Grant. Judy Majek made a motion to adjourn, seconded by Frank Sacky. Motion was approved, and the meeting adjourned at 3:10 p.m. Next Meeting—April 28 The next meeting will be Sunday, April 28 celebrating a belated Easter and honoring 50- and 75-year recipients with a catered meal. Fraternally, Virginia Rebecek, Secretary —SPJST—

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Lodge 84, Dallas to join hands at SPJST Car Show Dear Readers, Due to Easter falling on our regular meeting date, our next meeting will be held a week earlier at 2:30 p.m. on Sunday, April 14, 2019, at the home of Charles and Kathy Nemec at 10707 Webster Terrace in Dallas, Texas 75229. Call 214-351-4214 for directions. The youth club will host a toilet paper drive for their community service project to support Restored Hope Organization. Please consider donating a package or two. Remember we will be having an afternoon svačina so please bring a dessert to share! Fraternally, Anne Scott-Cowan, Reporter —SPJST—

Lodge 92, Fort Worth invites all to April activities Dear Members and Readers, Everyone is welcome to join your fellow lodge members and friends for all upcoming activities at SPJST Lodge 92, Fort Worth, located at 3316 Roberts Cut Off Road. We look forward to seeing you and enjoying these activities and events with you and your family at Lodge 92’s National Hall. Tuesday, April 9 - Ladies Circle at 10:30 a.m. Tuesday, April 9 - Game night at Lodge 92 at 7 p.m. Wednesday, April 10 - Sportsmens Club, 7:30 to 9:30 p.m. This monthly meeting of hunting and fishing enthusiasts with speakers and prize drawings is open to the public. Sunday, April 14 - Lodge meeting at 2 p.m. Lunch will be served. Tuesday, April 23 - Game night at Lodge 92 at 7 p.m.

Upcoming event and rental information is available from Event Manager Jon Durham 817-624-1361 or online at www.nationalhallfortworth.com. Fraternally, Angela Paprskar Casteel —SPJST—

Lodge 107, Floresville hosts April 14 member recognition banquet We will honor our 50-, 75-, and 100year members, Age 96 members, new members, volunteers, and sales agents on Sunday, April 14, 2019, beginning at 11:30 a.m. at SPJST Lodge 107, Floresville hall. You and your family are in-

vited. Lunch will be served at 12:30 p.m. The lodge will provide the meal and dessert. Our guest speaker will be Vestnik Editor/Director of Communication Melanie Zavodny. All members of SPJST Lodge 107 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 or Wendy Pruski at 210535-4916 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—

Allison Janke of Lodge 80, Holland earns degree in pastry arts ConSherry Kell gratulaof Bartlett tions to and RanSPJST dall and Lodge 80, MaryAnn Holland Janke of member Te m p l e . Allison GrandparJanke! She ents are obtained Garland her certifiand Janice cate of cuWentrcek linary of Bartlett, pastry arts Darleen on OcWo o d s , tober 3, Allison, left, is pictured with Escoffier School of and Curtis 2 0 1 8 , Culinary Arts Pastry Instructor Pavla Van and Rita from Au- Bibber. RIGHT PHOTO: Allison receives her as- Janke of guste Es- sociate of applied science degree in pastry arts. T e m p l e . coffier She is also School of Culinary Arts in Austin, the great-granddaughter of Nelda BaiTexas. Allison received high honors ley of Temple. graduate and perfect attendance Allison was a 2017 graduate of awards. Holland High School. She was active She then received an associate of in SPJST Lodge 80, Holland Youth applied science degree in pastry arts Club, FFA, and 4-H. She won numerwith honors from Auguste Escoffier ous awards in these organizations beSchool of Culinary Arts in Austin on tween the age of nine and high school. Saturday, March 23. Upon graduation, she received several Allison plans to remain in the Aus- scholarships to help her obtain her tin area. She is currently working at goal of pastry chef. Eberly Restaurant in Austin where Best wishes to Allison in her cashe is a pastry chef. reer! She is the daughter of David and —SPJST—

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Lodge 81, Needville hosts Candidate Forum

President Gerald Macha adjourned the meeting at 8 p.m. Fraternally, Janie Bucek Secretary/FAC —SPJST—

Ennis Sewing Circle

Lodge 81, Needville hosted a candidate forum at the hall on Thursday, March 21, 2019. Candidates for mayor, city council, and the school board partici-

Lodge 151, Wharton helps fund new road in Velehrad Cemetery SPJST Lodge 151, Wharton held its quarterly meeting on Monday, March 11, 2019, at Wharton Depot Museum. A light meal was served at 6:30 p.m. to six members and two guests. David Bucek led the prayer before the meal. President Gerald Macha called the meeting to order at 7:20 p.m. The Pledge of Allegiance was recited, and a moment of silence was held for our departed members. The roll was called, and all of our officers were present except Second Vice President Edith Molberg who had an excused absence. Special guests were SPJST District Six Director Karen Kaspar and Regional General Agent (RGA) Carolina Covarrubia. The December minutes and treasurer’s report were handed out to the members. After they had been reviewed, David Bucek made a motion to accept them. Charles Bucek seconded the motion. Motion passed. Under correspondence, Treasurer Carolyn Bucek read a thank you note from First Baptist Church of El Campo for the donation we made in memory of Ray Pilgrim. She then read a thank you note from S.P.J.S.T. Senior Living Center in Needville for the donation we made to its Christmas activity fund. Last of all, she read a thank you note from the SPJST District Six Cemetery Organization for the donation we made to help pay for the construction of a new limestone road in Velehrad Cemetery. Secretary Janie Bucek announced our lodge had two new members and read their names. Next, she reported three

pated in the event which was hosted by SPJST Lodge 81 and Needville Chamber of Commerce. —Submitted by Bradley Stavinoha, Treasurer

death claims had been paid. Last of all, she read the names of this year’s 50-year and 75-year members. Janie Bucek then gave the fraternal activities coordinator’s report. First, she announced the SPJST District Six Spring Meeting will be held on Sunday, March 24 in Moravia. Next, she stated the 100 Pennies Scholarship Drive will end on March 31. She then said Join Hands Day will be held on May 4. Last of all, she reported on upcoming events in the state. Charles Bucek gave the S.P.J.S.T. Senior Living Centers’ report. David Bucek gave the cemetery report. He stated the construction of the new limestone road in the Velehrad Cemetery will take place when the weather clears up. He also reported the SPJST Shiner Cemetery is receiving royalty checks from the well that was drilled last year. Charles Bucek made a motion to accept Carol Lynch and Cameron Jax Preisler as new members of our lodge. Carolyn Bucek seconded the motion. Motion passed. We would like to welcome Carol Lynch and Cameron Jax Preisler to Lodge 151. We did not have any old or new business to discuss. Director Kaspar informed us she attended the January SPJST Supreme Lodge meeting. She encouraged us to always read the Supreme Lodge minutes in the Vestnik. Next, she emphasized the importance of keeping SPJST on track financially. Director Kaspar then discussed the different ways SPJST plans to achieve this goal. Last of all, she informed us that she and RGA Carolina Covarrubia attended an insurance training class in District Six and a two-day insurance training class at the Home Of-

fice in Temple. RGA Carolina Covarrubia stated she learned a lot of knowledge from the two insurance classes she attended. She also informed us sales agent Monica Barcenas also attended the two-day insurance training class at the Home Office. She emphasized the importance of teamwork to help SPJST District Six grow. Birthday honorees for January, February, and March were Carolyn Bucek, Charlotte Bucek, Janie Bucek, Carolina Covarrubia, Gerald Macha, and Karen Kaspar. Each birthday honoree received a gift from the lodge. Door prizes were drawn.

Ennis Sewing Circle met on Thursday, March 14, 2019, at Sokol Club Room around 8 a.m. We stretched the quilt for Lorane Marusak, which was started last month. We had 19 members. Some quilted, some brought their sewing machines, and President Irene helped them get started sewing their squares. Everyone worked till lunch. President Irene led us in grace, and we all enjoyed our delicious lunch. Thank you, everyone; it was good. After lunch and clean up, President Irene called the meeting to order. The Pledge of Allegiance was recited by all, and the “Our Father” was said for sick members. Dolores Vrana had back surgery, and Lillie Macalik had shoulder surgery. We wish them both a speedy recovery. A moment of silence was held for Dorothy Booth, Leslie Kubin, Helen Slovak, Janie Blazek, and Billy Don Henderson. Let’s remember them all in

Lodge 151, Wharton members celebrate January, February, March birthdays

Lodge 151, Wharton recognized members and guests with birthdays in January, February, and March at the meeting on March 11, 2019. Birthday honorees are, left to right, District Six Director Karen Kaspar, District Six Regional General Agent Carolina Covarrubia, Carolyn Bucek, Charlotte Bucek, Janie Bucek, and Gerald Macha. Happy birthday to these members!

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our prayers. Secretary Dee read the minutes of our last meeting; they were approved. President Irene read the treasurer’s report for Dolores Vrana as she was absent. Vice President Ginny read a funny article that we all enjoyed. A birthday card was signed for Joyce Ehrenberger, and a thinking of you card was signed for Dolores Vrana. It was announced that we will be needing napkins and plastic knives for the next meeting. I didn’t hear if anyone volunteered to bring them - I hope so! This month, we quilted for Lorane Marusak. Next month - April, we will quilt for Dorothy Kudrna. For May, we will quilt the Junior Sokol Quilt and start the quilt top for the Christmas quilt.

Come One!

VĚSTNÍK Members, we need you all. President Irene asked for your prayers for her daughter Terilyn who will be having bone marrow transplant this month. Let’s pray that all goes well. The 50-50 dollar winner was Libbie Vrla - congratulations!

Grand Re-Opening of Lodge 19, Velehrad Hall set for Sunday, May 19 at TCHCC in La Grange

Next Meeting is April 11 President Irene thanked all for coming, the lunch, the set up and clean up, and she announced the next meeting is Thursday, April 11. We will quilt for Dorothy Kudrna. Quilters, please come; we need you. Take care everyone. We hope to see you all. Georgie Morales Reporter —SPJST—

SPJST members, family members, and their guests are cordially invited to participate in the Grand Re-Opening of the SPJST Lodge 19, Velehrad lodge hall on the campus of Texas Czech Heritage and Cultural Center (TCHCC) in La Grange. The event takes place on Sunday, May 19, 2019, in conjunction with TCHCC’s annual Slavnost - Mayfest: A Tribute to Czech-Texas Immigrants of All Years. Admission is $10 per person and includes the meal and all events. The program begins at 10:30 a.m. with the opening ceremony. A fried chicken dinner starts at 11:30 a.m. with music by the Texas Dutchmen from 12:30 until 5 p.m. The grand re-opening of the SPJST Lodge 19, Velehrad hall takes place at 1:30 p.m. and will be followed later that afternoon by the traditional May Pole dance. The Velehrad lodge hall was previously located on a two-acre tract in the northern part of Lavaca County in the Velehrad community. The area was settled in the 1850s and was named Velehrad or “Big Castle” for the Czech city of the same name. The Velehrad lodge hall was built in 1895 by Lodge Radhost 114 C.S.P.S (Cesko Slovanska Podporujici Spolek), which pre-dated the founding of SPJST in 1897. Not only did the lodge hall serve as a community center lodge room, it also served as a school. When the enrollment of the 1883 Velehrad School became too large, school was conducted in the Velehrad Lodge Hall. During the spring of 2006, the outside of the hall was restored by members of the SPJST District Six Cemetery Association. The SPJST Lodge 19, Velehrad hall is in the final stages of restoration and will be the latest additional to the TCHCC Czech Village which will also be open for tours on May 19.

14th Annual

Come All!

SPJST Car Show Saturday, May 4

Seaton Star Hall Car Show 9 a.m. to 3 p.m. For car show entry info, please visit spjstcarshow.com or call 254.534.0809 or 254.534.0807. Seaton Star Hall is seven miles east of Temple off Highway 53.

Czech Heritage CelebratiON Benefiting the SPJST Foundation which supports the Czech Heritage Museum and Camp Kubena

Insuring and Enriching Lives Since 1897 www.spjst.org 800.727.7578

200+ Cars Music Kids Zone SPJST Beseda Dancers Living History Demonstrations Vendor/Food Booths & Farmers Market For booth info, call 254.931.0639

Silent Auction & 50/50 Drawing

FREE ADMISSION!

“The SPJST Foundation expresses tremendous gratitude to those District Six members who rescued this historic SPJST charter lodge hall from obscurity in 2006,” says SPJST Foundation President Brian Vanicek. “Thanks to those caring individuals and the generous support of SPJST Foundation contributors, the Velehrad lodge hall will be a place where history comes to life and new memories are made.” Texas Czech Heritage and Cultural Center is located at 250 West Fairgrounds Road in La Grange, Texas. —SPJST—

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Good Eats

Whipped Cream and Jam Cookie Sandwiches Dottie Walts Lodge 91, San Jacinto

1/4 cup granulated sugar 1/2 teaspoon pumpkin pie spice 1 14.1-ounce package refrigerated pie crusts All purpose ﬂour, for work surface 1 large egg, lightly beaten 1/2 cup seedless raspberry jam 1 cup heavy cream, whipped to stiff peaks Preheat oven to 350 degrees. Line two large baking sheets with parchment paper. Stir together sugar and pumpkin pie spice in a small bowl. Unroll both pie crusts on a lightly ﬂoured work surface. Using 2 1/2 to 3inch cookie cutters in various shapes, cut out 20 cookies, making sure to have 10 matching pairs (to make 10 cookie sandwiches). Brush tops of cutouts with egg; sprinkle with sugar-spice mixture. Arrange on prepared baking sheets. Bake in preheated oven until golden brown, 10 to 12 minutes. Cool on baking sheets, 30 minutes. Spread 1 teaspoon jam onto 10 of the cookies. Spread 1 Tablespoon whipped cream on top of jam. Top each with its matching cookie. —SPJST— WANTED: Your Recipes! Please send your favorite recipe email: melaniez@spjst.com mail: SPJST Věstník Editor Melanie PO Box 100 Temple, Texas 76503

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VĚSTNÍK

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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.

State Fraternal Director shares April updates Youth Leaders Workshop On Saturday, March 23, 2019, District Youth Counselors (DYCs), Assistant DYCs, Youth Leaders, and guests met for their workshop at the SPJST Home Office in Temple. Those of you who were not able to attend were missed. I will be setting up some time to meet with you and your DYC before the summer. We started out the program by recognizing our SPJST officers, directors, Camp Kubena staff, and special guests. Supreme Lodge President Brian Vanicek spoke to the leaders about the upcoming youth year. We opened the meeting with a game and handbook changes for 20192020. We played a numbers game before lunch, and everyone had a good time. During lunch, we conducted the youth leaders’ banquet. We convened back to the workshop and broke out into four sessions: State Youth Achievement Day, camp time, youth club fundraisers, and youth participation. We ended the workshop about 3 p.m. We want to give our new Camp Kubena Director Rob Clift and Camp Programs Director Paige Tignor a great big welcome. Paige grew up in the SPJST Youth Program as a camper and Leader-in-Trainer (LIT). She is very excited and looking forward to working with Rob and the Fraternal Department. Congratulations, Paige! I would like to take this time to thank two special ladies that have given much

of their time to the youth in District Five and Lodge 88, Houston—outgoing District Five Youth Counselor Barbara Linney-Gonzales and outgoing Assistant District Five Youth Counselor Michelle Wockenfuss. I appreciate you both and all you have done. Barbara, you have served the youth for 30 years, and Michelle for 13 years - and that does not go unnoticed. Thank you! Help me welcome new District Five Youth Counselor Melissa VictorickBrown of Lodge 88, Houston and Assistant District Youth Counselor Amanda Muzny of Lodge 142, Houston. I will be getting with them in the coming weeks for training and any questions they may have about the youth program. Save the Date! Leaders-in-Training (LIT)/Teen Camp Saturday, June 15 to Wednesday, June 19 SPJST Junior Camp - Session One Districts Three/Four/Five/Seven Wednesday, June 19 to Sunday, June 23 SPJST Junior Camp - Session Two Districts One/Two/Six Tuesday, July 17 to Saturday, July 21 State Youth Achievement Day Saturday, August 3 in Temple Youth Development Workshop The district youth development workshops will be conducted by your DYC. Please watch your email and the Vestnik

for more information. You will be covering topics that pertain to youth achievement day projects and a lot of other fun ideas to share. May Vestnik Project Plans for your May meeting will be flag etiquette. You can find information at: https://www.almanac.com/content/ american-flag-etiquette-rules-and-guidelines Come to Camp Kubena We want you to come join us at Camp Kubena! Fun times are ahead! We are extending an invitation to SPJST youth that are not part of a lodge youth club and the youth that are new to SPJST. If you have a life insurance certificate issued before May 31, 2019, you can come join us at camp! Camp is a great

place to make new friends and build selfconfidence. Camp Kubena offers swimming, games, high ropes courses, low ropes courses, BB guns, archery, and many other activities. Qualifications for Camp If your child has completed kindergarten and is a current youth club member and has made seven out of 12 meetings, he/she will be eligible to attend camp without pay. Youth that attend lodges with no youth club can attend seven adult meetings and qualify for camp without pay. The lodge secretary will need to provide the Home Office with copies of the membership roster of each meeting the youth attended. Youth that have not made at least seven meetings will be prorated $35 per

2019 SPJST Flag Day Essay Contest THE THEME IS: “THE AMERICAN FLAG AND WHAT IT MEANS TO ME” FIRST PLACE PRIZES AWARDED IN FOUR AGE DIVISIONS Entering Kindergarten to 8 Years $50 Gift Card 9 to 11 Years • $50 Gift Card 12 to 14 Years • $50 Gift Card 15 to High School Senior $50 Gift Card

All First Place Winners also receive a U.S. Flag, wooden pole and hanging bracket!

Grand Prize Winner $100 Gift Card to be Presented at State Youth Achievement Day in Temple on Saturday, August 3, 2019 All SPJST members who are entering kindergarten to high school senior are encouraged to enter. Youth club membership is not required. Age division will be determined as of Flag Day — June 14, 2019. The Rules: Write a Flag Day essay or poem that addresses the theme, “The American Flag and What It Means to Me.” Essay length must be between 150 and 500 words. Entries must be typed. Entries — including digital files — must include a cover sheet with participant’s name, address, phone number and/or email address and lodge number. Entries must be original and created by the youth. Entries become the property of SPJST and will not be returned.

Entries must be received on or before May 31, 2019. Send entries by U.S. Mail to: SPJST Flag Day Essay Contest c/o SPJST Home Office • P.O. Box 100 • Temple, Texas 76503-0100 Send email entries to: frankh@spjst.com

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meeting missed. Youth can make up a meeting by attending another local youth club. Please see your youth leader about this. Online Camp Applications Please know that applications for LITs and camp chaperones are now closed for 2019. The last day to sign up was February 28. However, all youth completing kindergarten to 12 years of age can sign up at spjst.org until Sunday, May 26.

VĚSTNÍK Each camper needs to fill out a separate camp application. Please be sure to fill in each blank, and if it does not apply to you or your child fill in the space with “N/A”. All camper applications for youth are due Sunday, May 26. Parents when registering your child for camp, do not pay for the insurance offered. Parents, if you think your child’s camp is prorated, please contact the SPJST Youth Depart-

ment at 800-727-7578 before paying CampDoc. Online Chaperone Training Chaperones will be required to complete an online training through Expert Online Training. This will be chaperones who completed the training in 2017 and new chaperones. Those chaperones will receive an email from Expert Online Training after I set up the account. The

email will provide the weblink, user name, and password to login to complete and pass the test. I will receive verification that the chaperone has completed their Expert Online Training. If you have any questions, please contact me at frankh@spjst.com or call me 254-5340681 or Fraternal Services Specialist Tammy Martinez at tammym@spjst.com or 800-727-7578.

Scenes from District Two Spring Meeting

Sunday, March 17, 2019 • SPJST Lodge 48, Beyersville

LEFT PHOTO: 2018-2019 District Two Queen Brooke Newsom (48), left, Hannah Stefek (48), and 2018-2019 State King Nash Campbell (24) assist at the registration table. PHOTO 2: SPJST Vice President Hiram Dixon, center, and District Two President Rita Spinn (80) lead the members in singing “Happy Birthday” to

Lodge 48, Beyersville youth Trevor Wuensche. PHOTO 3: From left, Braden and and Alisha Raesz (29) and Tristan and Tammy Martinez (47) participate in the guessing games. RIGHT PHOTO: Jakorian Holloway (47), left, and Kingston Davis (47) assist District Two President Spinn with the door prize drawing.

LEFT PHOTO: District Two Youth Counselor Patsy Koslovsky, right, presents the Youth Achievement Award to Kayla Wuensche of Lodge 48, Beyersville. Pictured with Kayla are her parents Linda Wuensche and John Wuensche. CENTER PHOTO: Decorated rock contest first place winners are, left to right,

Mathieu McCarthy (187), Luke McCarthy (187), Kimora Davis (47), and Stacey Holloway (47). RIGHT PHOTO: Lodge 48 hosted a color-the-leprechaun activity. Winners are, left to right, Tatiana Poldrack (48), Travis Ordogne (47), Paeyton Beckendorf (182), Seth Martinez (47), and Dannikka Bartek (47).

LEFT PHOTO: Collin Teague (20) places a bid in the silent auction. PHOTO 2: Rebecca Urbanek with granddaughter Tatiana Poldrack (48). PHOTO 3: 20182019 District Two Duchess Tynlee Beckendorf (182) and her sisters Paeyton, front, right, and Bailee, back, right, receive a warm hug from past youth club

member Kayla Wuensche (48). PHOTO 4: District Two Queen Brooke Newsom (48) looks on as State King Nash Campbell (24) lights a candle in memory of District Two’s deceased members. RIGHT PHOTO: Assistant DYC Amber Bartek (47) enjoys the meeting with son Everhett (47) and daughter Dannikka (47).

VĚSTNÍK SPJST/Camp Kubena Chaperone Training Dates for chaperone training are: Saturday, April 6 at 1 p.m. Camp Kubena with Rob Clift Saturday, April 28 at 10 a.m. Home Office with Frank Horak Sunday, May 5 at 1 p.m. Lodge 25, Ennis with Frank Horak 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 for makeups. Chaperones, please go to the SPJST website. At the top of the page under “Programs,” click on “Camp Registration.” Under “Camp Chaperone Training,” you will see the link, “Click to sign up for a training session.” Decorated Rock Contest Please encourage your youth to attend their district spring meeting and participate in the decorated rock contest. All members who attend their district spring

Lodge 185 New Braunfels youth: fun district outing day

Dear Readers, Earlier this month, we had a district outing at Fischer Park. We learned a lot about animals and insects. We then went to Herbert’s Restaurant. It was a fun day! Sincerely, Madeline Kitchen, age 9 —SPJST—

Wednesday, April 3, 2019 meeting will receive five points in the merit point system. All contest participants will receive a participation award, and youth club members will receive another five merit points in the merit point system. The first place winning rocks from each district will be featured in a display case in the SPJST Home Office lobby through the end of the youth year. The first place winning rocks from each district will also be judged on the state level. Please make note of these spring meeting dates: District Three - Sunday, April 28 at Lodge 154, Fort Worth and District Four - Saturday, April 6 in Wichita Falls, hosted by Lodge 207, Iowa Park. 100 Pennies Scholarship Fund Drive There’s still time for youth club members to send in donations for this year’s 100 Pennies Scholarship Fund Drive. Thanks to all of the youth and youth clubs who have contributed to this wonderful project. All youth who donate at least $2 will receive two merit points. All youth who donate at least $5 will also receive a certificate. May 31 is the deadline to receive credit. May 4 is Join Hands Day Again this year, the Supreme Lodge will offer a $100 incentive to SPJST lodges to be used in developing and/or promoting their project. This incentive will be for lodges who partner with youth in their community. To receive the $100 incentive, lodges must register the event with the Home Office prior to Join Hands Day. The Supreme Lodge will then forward a check to the lodges who have registered. SPJST Car Show and Czech Heritage Celebration Make plans to join in the fun and festivities of the 2019 SPJST Car Show and Czech Heritage Celebration on Saturday, May 4 at SPJST Lodge 47, Seaton Star Hall. Seaton Star Hall is located approximately seven miles east of Temple, just off Highway 53. There will be cars! And more cars! There will be Czech heritage displays, arts and crafts vendors, music, and showcase entertainment. Fraternally, Frank Horak State Fraternal Director —SPJST—

District Two seeks return of beseda costumes

2nd - James Teague Lodge 20, Granger 3rd - Jakorian Holloway Lodge 47, Seaton

Dear Members, We are asking for the return of all old beseda costumes. We have two groups of beseda dancers this year so if anyone with a costume who is not dancing can please turn in the costume either at their lodge or to the SPJST Home Office in Temple, it would be greatly appreciated. Please let me know if you have any questions. I can be reached at 254-7189453 or dlburtbiz@gmail.com. Fraternally, Deanna Burt Lodge 47, Seaton —SPJST—

Ages 15 to High School Senior 1st - Stacey Holloway Lodge 47, Seaton 2nd - Brooke Newsom Lodge 48, Beyersville 3rd - Alexandria Johnson Lodge 187, Round Rock

District Two youth participate in spring meeting Dear Vestnik Readers, The SPJST District Two Spring Meeting was held on Sunday, March 17, 2019, at Lodge 48, Beyersville. Flag Bearers Dannikka Bartek of Lodge 47, Seaton and Hayden Stefek of Lodge 48, Beyersville presented the flags and led the Pledge of Allegiance. Thirty-two youth entered the decorated rock contest. The creativity each participant put into his/her rock was awesome! All 32 entrants are winners and a big congratulations goes to each one! Winners were:

We thank the following for supporting our district youth club’s silent auction by donating or purchasing items.We are blessed to have so many wonderful supporters. Your graciousness donated $542 to our youth fund. Donors were: • Williamson County Equipment Co. • Elgin - F.L. Meyer • Granger - Lodge 20, Granger Youth Club; Lodge 20, Granger; Emilie Tischler; Teague Family • Taylor - Linda and Jesse Pospisil; Lodge 29, Taylor Youth Club; Frank Pustejovsky; Lyn and Ronnie Rieger; Mary Jane Pustejovsky; Joyce Patschke; Lodge 29, Taylor Members; Barbara Nygrin

Happy Birthday, District Seven Queen Kelly House of Lodge 202, Jourdanton!

Kindergarten to 8 Years 1st - Mathieu McCarthy Lodge 187, Round Rock 2nd - Christian Holloway Lodge 47, Seaton 3rd - Tynlee Beckendorf Lodge 182, Falls County Ages 9 to 11 1st - Luke McCarthy Lodge 187, Round Rock 2nd - Bailee Beckendorf Lodge 182, Falls County 3rd - Kingston Davis Lodge 47, Seaton Ages 12 to 14 1st - Kimora Davis Lodge 47, Seaton

Congratulations to Lodge 202, Jourdanton Youth Club member Kelly House who will celebrate her 18th birthday on Monday, April 9, 2019. Kelly is the 2018-2019 District Seven Queen. Happy birthday, Kelly! —Submitted by Bettie House

Wednesday, April 3, 2019

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• Seaton - Patsy Koslovsky • Beyersville - Donna Vanecek; Newsom Family; Alice Bracewell; Bonnie and Robert Leshikar; Margie Faltasek; Bobbie Urbanek; Linda Mokry; Nancy and Howard Leshikar; Lodge 48, Beyersville; Lodge 48, Beyersville Youth Club • Round Rock - Carla Krenek; Linda Johnson; Ruby Volek; Johnnie Haak • Morgan’s Point - David and Melanie Zavodny Nauert

District Two YAD A reminder to all youth . . . Youth Achievement Day (YAD) will be here before long. Here’s hoping you will get started early on your crafts, talent acts, and royalty speeches. We are hoping to have the biggest and best YAD in 2019! Fraternally, Patsy Koslovsky District Two Youth Counselor —SPJST—

Buyers were: • Elgin - F.L. Meyer • Granger - James Teague; Bridgett Bohac; Collin Teague; Emilie Tischler • Cyclone - Kim Campbell • Taylor - Jesse and Linda Pospisil; Joyce Patschke; Mary Jane Pustejovsky; Lyn Rieger; Mary Stelly (guest) • Seaton - Ruth Hanusch; Patsy Koslovsky • Beyersville - Stephanie Carr; Donna Vanecek; Alice Bracewell; Tina Stefek; Bonnie Urbanek; Robert and Bonnie Leshikar; Linda Mokry • Falls County - Tynlee Beckendorf • Round Rock - Carla Krenek; Johnnie Haak; Rubie Volek • Bruceville-Eddy Frances McBride; Michael Hosch • Morgan’s Point - David and Melanie Zavodny Nauert

Lodge 88, Houston Youth Club hosts Easter egg hunt, party this Saturday, April 13

Once again, thank you to the above members and friends for your support of our District Two Youth Program. The spring meeting is, of course, the election of district officers. Cristy Girod, Amber Bartek, and I would like to thank you for the opportunity to once again continue to share wonderful times and forever memories with the youth of District Two. We look so forward to all the great adventures within the SPJST program. Selected as the 2019-2020 District Two Flag Bearers are Seth Martinez of Lodge 47, Seaton and Makayla Newsom of Lodge 48, Beyersville. Congratulations! After door prize drawings, installation of officers, and the blessing of the food, everyone enjoyed a meal of delicious barbecue with all the tasty sides and kolaches. Thank you, Lodge 48, Beyersville, for hosting this year’s meeting. A special thank you for all the time spent with the beautiful St. Patrick’s Day decorations throughout the hall.

Dear Members and Friends, Hop on over to join Lodge 88, Houston Youth Club in celebrating Easter with a party on Saturday, April 13, 2019. There will be Easter egg hunts for all ages so don’t forget your baskets. We will also have crafts for the kids, food, and prizes. Of course, it wouldn’t be a party without a visit from the Easter Bunny! The Easter party is from 2 to 5 p.m. Food will be served from 2 to 3 p.m. Egg hunts start at 3 p.m. Admission is free of charge, and the event is open to the public. Lodge 88 is located at 1435 Beall Street in Houston, Texas. Call 713-869-5767 for more information. Youth Meeting—Friday, April 12 Please join us on Friday, April 12 at 6 p.m. for the monthly youth club meeting. If you have questions or need more information, please contact me by email at spjstyouthlodge88@yahoo.com. I look forward to seeing you at both of these events. Come join us at Lodge 88, Houston Youth Club! Fraternally, Vanessa Guerrero, Youth Leader —SPJST—

In Memoriam In Memory of Joseph B. Srnensky Joseph Benjamin Srnensky was born in Beyersville, Texas, on May 1, 1926, and he was called to his eternal home on Thursday, March 14, 2019, at the age of 92 years, 10 months, and 13 days. Joe was the sixth of 10 children born to Joe F. and Rosie Simcik Srnensky. Joe was raised on the family farm and Joe B. Srnensky went to Beyersville school located on Brushy Creek. He served during World War II aboard the U.S.S. Sheliak as a fireman first class and was involved in both the Atlantic and Pacific theatres. Upon returning home, Joe opened a service station with his brother-in-law in Taylor. He married Mildred Senkel on January 16, 1949, at St. John Lutheran Church in Bartlett. After working six years at ALCOA, he joined the United States Postal Service in 1959 and carried mail in the city of Taylor. Joe and Mildred moved to the country in 1966 not far from his birthplace. Farming was Joe’s hobby until he retired from the post office in 1989, then farming and raising cattle became his full-time occupation. He was awarded a

soil conservation award, produced the first bale of cotton in Williamson County, and enjoyed meeting all his buddies at Williamson County Grain for coffee. Joe was a 77-year member of SPJST Lodge 48, Beyersville. He served on the board and through his vision and labor, he was instrumental in the renovation of the Beyersville SPJST Hall. Joe and Mildred were both active in the Taylor Brethren Church, serving as Sunday School teachers and in other roles. Joe served numerous terms on the Board of Elders, including terms as board president. It was important to Joe for the families to get together; they enjoyed many road trips all over the United States. Joe is survived by children Sidney Srnensky, Sharon and husband Doug Wilkerson, Stephen and wife Jackie Srnensky, Rhonda and husband Alan Carnley, and Shelia and husband Warren Devore; 11 grandchildren; 12 greatgrandchildren; and sisters Albina Kerlin, Martha Minzenmayer, Agnes Eschberger, and Jean and husband William Griffin. Funeral service was at Taylor Brethren Church on Wednesday, March 20 at 10 a.m. Visitation was at Providence Funeral Home in Taylor from 6 to 8 p.m. on Tuesday, March 19. Memorial gifts may be given to Taylor Brethren Church, PO Box 351, Taylor, Texas 76574. —SPJST—

Bronze SPJST Cemetery Markers Bronze SPJST cemetery markers are available for purchase through the Home Oﬃce for $20 a piece. Price includes shipping and handling. The markers measure three inches in diameter and include a fourinch threaded post for mounting. To purchase or for more information, call the Home Oﬃce at 800-727-7578 and ask for Sandra.

ON LY $20

L UA T AC SIZE

VĚSTNÍK

Wednesday, April 3, 2019 Slovanská Podporující Jednota Státu Texas

Česká

Část

ROČNÍK 107 CISLO 10 3.duben.2019

Podpora ★ Lidskost ★ Bratrstvi´ BENEVOLENCE

HUMANITY

Uředni orgán SPJST

Czech Newspaper Museum opens in La Grange Texas Czech Heritage and Cultural Center in La Grange hosted a grand opening dedication of the Czech Newspaper Museum-České Noviny Muzeum on Saturday, March 16, 2019, at 2 p.m. The new museum is a replica of an early print shop and tells the story of the many early Czech newspapers printed across Texas. Also included in the museum is a printing press, gas engine, and related equipment used to print those newspapers. A significant part of the history of the settlement of Czechs in Texas is the

BROTHERHOOD

★ Založené roku 1897 story of their newspapers. Their desire to communicate and stay abreast of the news resulted in the founding of newspapers in their communities and in their Czech language. Some lasted only a few years, but others continued and eventually became newsletters or journals written in the English language. Some of the newspapers featured in the museum are Texan and Slovan, Svoboda/Věstnik, Obzor Hospodařský, Nový Domov, Hospodá̌r, Našinec, Rolník, Bratrské Listy, KJT News, and KJZT News. The program began at 2 p.m. TCHCC President Retta Slavik Chandler welcomed attendees. Special guests were Brian Vanicek, Honorary Czech Consul for Texas/SPJST President; Ed-

LEFT PHOTO: Call to Dedication: Valašsky Zvonek. CENTER PHOTO: Ribbon cutting of the new museum. RIGHT PHOTO: Pictured, left to right, are TCHCC Manager Mark Hermes, Jason Zhanel who worked

ward Janecka, Judge Emeritus, Fayette County; Joe Weber, Judge, Fayette County; and Janet Moerbe, Mayor, City of La Grange. Donors and contributors were then recognized: Molly and Richard Cernosek Family; Lisa and Chris Cernosek; Carmen Cernosek; Sanford and Mannie Schmid Trust/Mannie Schmid and Sarah Bertsch; Armin and Regina B. Keilers (donated funding for the Newspaper Museum); John Albert Kuba (donated the Kluge Press, paper cutter, cabinets, and typeset); Adolph and Rose Marie Novy - Adolph’s Litho Services, Inc. (moved press to his shop in Texas and supervised press restoration); Jason Zhanel (worked on press restoration); Herb Baumgartner (donated parts for press restoration); Don Fuller (donated equipment); and Vyvjala Family, Schulenburg Sticker (donated equipment). Assisting with museum set up, exhibits, and reasearch were Mark Hermes, Walt Walicek, Joe Lamer, Waymond Davis, JG Hrncir, Gary McKee Larry Jackson, Roger Sorum, Roy Pieper, Kenneth Pieper, Joyce Hermes, Charles Chandler, Mary Vasek, Janis Hrncir, Carolyn Heinsohn, and Retta Chandler. Minarcik Construction built the newspaper museum. Gary McKee presented a history of early newspapers prior to the ribbon cut-

ting. Guests then toured the museum. A reception with food and drinks followed in Hanslik Hall with music featuring Gene Lichnovsky on the piano. The Texas Czech Heritage and Cultural Center is located at 250 West Fairgrounds Road in La Grange, Texas. For more information about visiting the Museum, call 888-785-4500 or email info@czechtexas.org. Visit the website at www.czechtexas.org. —SPJST—

on the press restoration, TCHCC President Retta Slavik Chandler, Adolph Novy who moved the press to his shop in Texas and supervised press restoration, and John Albert Kuba who donated the Kluge Press.

LEFT PHOTO: Display of some of the Czech newspapers in the museum. RIGHT PHOTO: Pictured, left to right, are Veštník Editor Melanie Zavodny; John A. Kuba of Podivin, Czech Republic; and Honorary Czech Consul/SPJST President Brian Vanicek (Veštník Editor from 1992 to 2004). John is a member of SPJST Lodge 133, San Antonio; he donated the Kluge Press, paper cutter, cabinets, and typeset to the newspaper museum.

Wednesday, April 3, 2019

Harris County CHS plans April 28 Czech SpringFest at Lodge 88, Houston The Harris County Chapter of the Czech Heritage Society of Texas is preparing for its annual Czech SpringFest on Sunday, April 28, 2019, at SPJST Lodge 88, Houston, located at 1435 Beall Street in the Heights area. This being the 24th annual Czech

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VĚSTNÍK SpringFest, we look forward to having an outstanding crowd with much entertainment and many vendors selling their wares. The usual country store and sausage booth will be available. This year, we will have a Czech market selling decorative accessories, books, and other Czech items. A small silent auction of boutique items will be adjacent to the Czech market. Craft Artist Vladimir Klimis from the Czech Republic will be there to demonstrate his skill of wood carving. A traditional Czech Sunday dinner

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 class. Call or email to verify classes. Pre-registration preferred. For information, call 888785-4500; 979-968-9399; or email info@czechtexas.org. April 6 SPJST State 42 Domino Tournament—at the SPJST Home Office, 520 North Main Street, Temple. For information, contact State Fraternal Director Frank Horak 254-773-1575 or email frankh@spjst.com. April 6 Brazos Valley CHS Spring Baking Class—at St. Joseph Catholic Church Parish Activity, 600 East 26th Street in Bryan, 9 a.m. to 3 p.m. On the baking schedule: apple strudel (jablkový závin), poppyseed rolls (makovník), and buns (buchta). Limit of 12 participants, age 12 and older. For cost and

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further information, contact Stanislav Vitha 979-587-1777; email bohemian2012@aol.com; or register at https://whoozin.com/PG7-T4T-DR76. Submitted by Marie Dulak, BVCHS, Reporter. April 12 - 13 TCGS Genealogy Workshop—at Czech Heritage Museum and Genealogical Center, 119 West French Avenue, Temple: Friday, April 12 and Saturday, April 13 from 10 a.m. to 4 p.m. each day, a variety of knowledgeable facilitators will be available. Registration - flat fee of $20 per person for either one or both days (lunch will be on your own). To serve you better, you are encouraged to register by April 1 so that facilitators will have time to prepare for your inquiry. For information, registration, visit TCGS website www.txczgs.org; or contact Carolyn Holub via phone 214-577-0029; or via email cholub1088@gmail.com. Submitted by Gladys Valchar, TCGS Secretary, Lodge 87, Temple. April 13 Granger Tarok Tournament—at SSCM Recreation Center in Granger. Contact Willie Cervenka 979-824-9330. April 28 24th Annual Czech SpringFest—at SPJST Lodge 88, Houston, 1435 Beall Street, in the Heights: Music/entertainmen - Kovanda Czech Band, 11 a.m. to 3 p.m., Texas Legacy Czech Band, 3 p.m. to 6:30 p.m., traditional Czech Sunday dinner - 11 a.m. to 2 p.m.,vendors, country store, sausage booth, Czech market, silent auction, wood carving demonstration by Czech Artist Vladimir Klimis. See advertisement at right. Submitted by Charles Waligura, 2019 SpringFest Chairman. —SPJST—

will be served from 11 a.m. until 2 p.m. Music will be provided by the Kovanda Czech Band from 11 a.m. until 3 p.m., and the Texas Legacy Czech Band will play from 3 p.m. to 6:30 p.m. Submitted by, Charles Waligura 2019 SpringFest Chairman —SPJST—

Brazos Valley CHS offers Matush Czech Heritage Scholarship; deadline is April 30 The Brazos Valley Czech Heritage Society (BVCHS) is offering the 2019 Matush Czech Heritage Scholarship in the amount of $500 to a college student

who is currently enrolled in a four-year college, two-year college, or trade school and exemplifies academic achievement, outstanding merit, and the spirit of involvement and leadership. The applicant must be able to show that they are currently active or desire to become involved in their Czech heritage. The recipient will be notified the first week of May and will be awarded the scholarship at the May 19 meeting. Applicant must be a member or related to a member of the BVCHS. The applicant may become an immediate member of BVCHS by completing a membership application along with submitting annual dues of $15. Eligibility Requirements • Applicant must be a college student who is currently enrolled in a four-year college, two-year college, or trade school and exemplifies academic

24th Annual

Czech SpringFest Sunday, April 28, 2019 11 a.m. to 6 p.m. SPJST Lodge 88 Hall • 1435 Beall St. • Houston, Texas Admission: Adults - $8 • Children under 11 - FREE

Traditional Czech Sunday Dinner 11 a.m. to 2 p.m. Adults - $10 Children under 11 - $7 Sausage with sauerkraut served after 1 p.m.

Kovanda’s Czech Band

GUEST ARTIST: Vladimir Klimes from the Czech Republic will demonstrate his woodcarving skills. He will have many items for sale.

Several Vendors selling their artwork, handcrafts, and jewelry.

11 a.m. to 2 p.m.

Texas Legacy Czech Band 3 to 6 p.m.

Kolache Eating Contest 2 to 3 p.m.

Czech Market with over 100 items to purchase. Country Store will sell kolaches and Czech pastries.

Sponsored by the Czech Heritage Society of Texas, Harris County Chapter, a 501(c)(3) non-proﬁt organization. For more info, call 713-349-0500 or email chsheritage20@att.net. Visit us online at www.txchshcc.com.

VĚSTNÍK achievement, outstanding merit, and the spirit of involvement and leadership in their school and community. • Applicant will be evaluated based on a 300- to 400-word, typed, doublespaced essay defining what their Czech heritage means to them, how it has influenced them, their current and past Czech cultural involvement, and why they think they should be selected for this scholarship. • Applicant must include a letter of recommendation. Extra consideration will be given to the applicant who has an interest in continuing to learn about their Czech heritage by attending club events. Information to include: 1) Completed and signed application 2) Official college transcript to date 3) A 2- by 3-inch headshot photo attached to a sheet of paper with your name printed under the photo 4) Essay of 300 to 400 words, typed, double spaced 5) Letter of recommendation 6) Membership application to BVCHS if you or your relative is not a member

Wednesday, April 3, 2019 Deadline Completed application with all parts, must be mailed and postmarked by April 30, 2019. Mail to Brazos Valley Czech Heritage Society Scholarship Committee, PO Box 3383, Bryan, Texas 77805. Submitted by, Cheryl Wenck BVCHS Scholarship Committee —SPJST—

Taylor Czech Chorus to award $500 scholarship More than 10 years ago, The Taylor Czech Chorus proudly established a $500 scholarship that is awarded yearly to a graduating senior of Czech descent. The selected recipient will have the scholarship paid to the accredited college or university of their choice. Requirements are: 1. Be a graduating senior in the 2018-19 school year. 2. Have a minimum high school GPA

equivalence of 3.0 on a 4 point scale. 3. Provide documentation of Czech heritage. 4. Include a 300- to 400-word essay, typed, double-spaced defining why you feel you should be selected for this scholarship, how your Czech heritage has influenced you, and what your heritage means to you. 5. The recipient must live no farther than 25 miles from Taylor, Texas [exception: a relative of a Taylor Czech Chorus member]. 6. Recipient must be willing to attend a meeting of The Taylor Czech Chorus in Taylor, Texas, to receive the award.

7. Submit a completed application and all necessary documentation on or before Wednesday, May 1, 2019. Late applications will not be considered.

Texas Czech Genealogical Society

CUBA & CUBA, P.L.C.

Website: txczgs.org Promoting the study of the genealogy of the particular group of people known as “Texas Czechs.” For membership: Marie Dulak 979-589-1903

Applications are available at local high school offices, can be downloaded from The Taylor Czech Chorus Facebook page, or by contacting Betty Zimmerhanzel at 512-352-6823. Submitted by, Monica Stojaník, Reporter The Taylor Czech Chorus SPJST Lodge 20, Granger —SPJST—

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Wednesday, April 3, 2019

VĚSTNÍK

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 nonprofit 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) Monday, June 3—Lodge meeting, 6 p.m. Monday, August 5—Lodge meeting, 6 p.m. Monday, October 7—Lodge meeting, 6 p.m. Monday, December 2—Lodge meeting, 6 p.m. Lodge Hall: 507 East Main Street, Fayetteville. Directions: Lodge hall 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. LODGE 4, HALLETTSVILLE (6) Sunday, April 14—Lodge meeting, 3 p.m. Sunday, July 14—Lodge meeting, 3 p.m.. Sunday, November 10—Lodge meeting, 3 p.m. Sunday, August 18—Family Day Sunday, December 8—Christmas party Lodge Meetings: Held every other month at 3 p.m. at Hallettsville Chamber of Commerce, 1614 North Texana Street, Hallettsville. LODGE 6, COTTONWOOD (3) Sunday, April 7—Lodge 6 meeting/Easter party. See article on page 5 for details. Saturday, April 13—Rural School 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: Peggy Dobecka 254-717-0383 or Jeanette Beseda 254-717-7840. 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 254-717-0383; or dataped@sbcglobal.net. LODGE 8, WEIMAR (6) Monday, May 27—Lodge meeting, 6 p.m. Monday, August 26—Lodge meeting, 6 p.m. Monday, November 25—Lodge meeting, 6 p.m. Lodge Meetings: Fourth Monday of February, May, August, and November at 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. For information, call Youth Leader Loree Lewis 979-220-4733. LODGE 13, DIME BOX (1) Lodge Hall: 1081 County Road 425, Dime Box. Dirextions: 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. Youth Club Meetings: Second Sunday of each month, 1 p.m. For information, contact Youth Leader Julie Schneider 512-269-8180.

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: 254217-2863. Lodge Meetings: Held quarterly. For information, call 254-721-3902. 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 then 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. For information, call Youth Leader Holly Narro 979-218-4931. LODGE 18, ELGIN (2) Sunday, April 7—Red Ravens Sunday, April 14—Lucas Sousa Band Sunday, May 5—Glen Collins Sunday, May 19—Ed Kopecky Fun Time Band Saturday, June 22—Western Days/Class Reunions Free Dance: Glen Collins, 2 to 5 p.m. Sunday, June 30—The Lost Cause (formerly Central Texas Sounds), polka music. 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 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. Call Youth Leader Britta Goodman for information 254-541-5344. 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) Sunday, May 12—Mother’s Day Barbecue Lunch. Mark this date on your calendar, and please make plans to come out to Flag Hall with family and friends for this annual event! Watch for details. Lodge Hall: 411 FM 964, Cyclone. 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 Maddux 254-721-1774; or Brenda Maddux 254-721-1682. 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. For information, call Kim Campbell 254-721-0586. LODGE 25, ENNIS (3) Saturday, April 6—Rental, birthday party Sunday, April 7—1:30 p.m. - Easter egg hunt, youth club meeting Thursday, April 11—6:30 p.m. - members’ supper, 7 p.m. monthly lodge meeting, social to follow Wednesday April 24—5 to 10 p.m. - monthly birthday celebration (come and go), 6:30 p.m. potluck super, 9 p.m. 50/50 drawing.

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, 2 p.m. For information, call Youth Leader Rita Holland 469-337-2284. LODGE 28, EAST BERNARD (6) Lodge Meetings: Second Sunday of March, June, September, and December at 12 noon at Wharton County Library - East Bernard Branch, 746 Clubside Drive, East Bernard.Call Secretary Helen Kelner 281-342-2624 for information. LODGE 29, TAYLOR (2) • All Wednesday, Friday night dances - free admission • Old-fashioned hamburgers served Fridays, 6 to 9 p.m. Wednesday, April 3—Taylor Made Band, 7 to 10 p.m. Guest musician - Fritz Hodde. Friday, April 5—Sterling Country Band, 7:30 to 11:30 p.m. Wednesday, April 10—SPJST Lodge 29, Taylor members’ monthly meeting beginning at 6:30 p.m. Covered dish meal following the meeting. Friday, April 12—Second Hand Rose Band, 7:30 to 11:30 p.m. Wednesday, April 17—Taylor Made Band, 7 to 10 p.m. Guest musician - Fritz Hodde. Friday, April 19—Glen Collins, 7:30 to 11:30 p.m. Friday, April 26—Clay Caster, 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 Informatio/Hall Phone: 512-352-9139. Live Music: First and third Wednesday each month, free, 7 to 10 p.m.; Friday night dance, 7:30 to 11:30 p.m. Lodge Meetings: Second Wednesday of each month, 6:30 p.m. at the hall. Youth Club Meetings: Second Sunday of each month at 1 p.m. For information and meeting location, call Youth Leader Cristy Girod 512-468-1347. 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 p.m. at Taiton Community Center, 14221 FM 961, El Campo. For information, call Youth Leader Lisa Bubela 979-543-7120. LODGE 32, VICTORIA (6) Thursday, May 9—Lodge meeting, 6:30 p.m. Thursday, July 11—Lodge meeting, 6:30 p.m. Thursday, September 12—Lodge meeting, 6:30 p.m. Thursday, November 14—Lodge meeting, 6:30 p.m. Lodge Meetings: Held the second Thursday of every other month - January, March, May, July, September, and November, 2019 at Victoria Mall Meeting Room, at 6:30 p.m. For information, contact Secretary Linda Mozisek 361-2207725. LODGE 35, ELK (3) Saturday, April 6—Lost Heart Highway Saturday, May 11—Nolan Pick Band Saturday, May 18—Gordon Collier Band 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 Agent: James (Dude) Mann 254715-0275; mrdudemann@yahoo.com.

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: For meeting date, time, location, call Youth Leader Cathy Garcia 979-332-1614. 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: 254985-2548. Visit www.seatonstarhall.com. 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.Call Youth Leader Amber Bartek for information 254931-0295. 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 April, May, June, July, and August meetings which will be held on the second Monday of these months at 6:30 p.m. Youth Club Meetings: Second Sunday of each month at 5:30 p.m. at the hall. For information, call Youth Leader Michelle Newsom 512913-0226. 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 at 6 p.m. at the hall. Youth Club Meetings: First Sunday of each month at 1 p.m. at the hall. Call Youth Leader Becky Wood for information 325-656-0029. 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. For information, call Calvin 979-3782364. LODGE 54, WEST (3) Lodge Meetings: First Friday in March, June, and November, and the second Friday in September at St. Joseph Hall, 303 South Harrison Street in West, 7 p.m. For information, call Freddie 254-709-2303. LODGE 63, SWEET HOME (6) Lodge Meetings: Third Thursday of each month at 7 p.m. For meeting location or information, call Lodge Secretary Ann Moseley 361-781-2644. 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 Dianna Ibarra 940-224-7383.

LODGE 38, KOVAR (1) Lodge Hall: 278 Zimmerhanzel Road, Flatonia. Hall Rental Information: 512-237-9099/day; 830-839-4353/night. Lodge Meetings: Second Monday of each month, 6:30 p.m. at the hall. For information, call 512-332-6758.

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. Call Youth Leader Marcia Rew for information 361-563-6779.

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: Held quarterly - watch for date in Věstník, 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 979-406-0158.

LODGE 80, HOLLAND (2) 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. Bingo: Every Thursday, 7 p.m. Permit No. SP12371416574; AL17460607355. Lodge Meetings: Held bi-monthlty. Watch the Věstník for dates/times. Board of Directors’ Meetings: Watch the Věstník for dates/times. Youth Club Meetings: Second Wednesday of each month at the hall, 6 p.m. Call Youth Leader Kelly Taisler 254-913-3309 for location, information.

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, 11 a.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: Third Sunday of each month, 2 p.m. - ulness otherwise announced in the Vestnik. 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 Sunday of each month, 2 p.m. at the hall. For information, call 254773-2363. 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 is on the right. Hall Phone/Rental Information: Call 713-869-5767; or visit www.lodge88.org. Dances are held 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. Bingo: Every Thursday evening; games start at 7 p.m. License No. 17407503501. Lodge Meetings: Third Monday, 7 p.m. at the hall. Youth Club Meetings: First Sunday of each month, 1 p.m. at the hall. For information, call Youth Leader Vanessa Guerrero 281-745-1697. 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 Tuesday, April 9—Ladies Circle, 10:30 p.m. Tuesday, April 9—Game night at Lodge 92, 7 p.m. Wednesday, April 10—Sportsmens Club, 7:30-9:30 p.m.: Monthly meeting of hunting and fishing enthusiasts with speakers and prize drawings. Open to the public. Sunday, April 14—Lodge meeting 2 p.m. Lunch will be served. Tuesday, April 23—Game night at Lodge 92, 7 p.m. Lodge Hall: 3316 Roberts Cut Off Road, Fort Worth 76114. Directions: From IH-35 West in Fort Worth, take IH-30 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. 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 Meetings: Second Sunday of each month, 2 p.m. at the hall. LODGE 97, PLACEDO (6) Attention: Quarterly meetings for 2019 will be held on Mondays - unless otherwise announced: Monday, June 3—Lodge meeting, 6 p.m. Monday, September 9—Lodge meeting, 6 p.m. Lodge Meetings: Quarterly meetings for 2019 will be held on Mondays and are scheduled as follows - unless otherwise announced: Monday, June 3; and Monday, September 9, and will be held in the Community Room at Victoria Mall, 6 p.m. For information, call Secretary Judy Bellanger 361-576-2935. 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. Youth Club Meetings: For meeting date/time/location, contact Youth Leader Lian Pruski 830-480-2737. 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.

Wednesday, April 3, 2019 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) Lodge Meetings: 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: Held quarterly - the second Sunday of March, June, September, and December at Main Street Steakhouse, 1802 Main Street in Danbury. Meeting at 12 noon, luncheon follows. For information, call Lonnie 979-9221553. LODGE 141, SEALY (1) Lodge Meetings: Second Tuesday of every other month February, April, June, August, October, and December at 6 p.m. at Gordon Memorial Library, 917 North Circle Drive, Sealy. For information, contact Secretary Bernice Stolarski 979-885-6786. LODGE 142, HOUSTON (5) 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. Call Youth Leader Melissa Zielonka for information 979-618-1890. LODGE 151, WHARTON (6) Monday, June 10—Lodge meeting, 6:30 p.m. Monday, September 9—Lodge meeting, 6:30 p.m. Monday, December 9—Lodge meeting, 6:30 p.m. 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 Phone: 817237-5181. Lodge Meetings: Third Sunday of each month, 3:30 p.m. at the hall. For information, call 817-731-2580. Youth Club Meetings: Third Sunday of each month, 5 p.m. at the hall. Contact Youth Leaders CarrieAnn Jones 817-3711727, carrieannjones@att.net; or Appa Burcie 817-614-2967, abburcie2015@gmail.com for information. 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: Last Sunday of every other month of March, June, and September; then December - the first Sunday at 2:30 p.m. For meeting location, contact Secretary Cynthia Kristinek - phone 806-763-7245; or email cyndynjerome@gmail.com. LODGE 160, SAN ANGELO (4) Lodge Meetings: Third Wednesday of February, May, and August; and 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. Youth Club Meetings: For date, time, location, call Youth Leader Ryan Jansa 325-234-5879. LODGE 162, IOWA COLONY (5) Lodge Meetings: First Sunday of each month, 2 p.m. at Iowa Colony Community Center, 12003 CR 65, Iowa Colony. For information, contact President Betty Crawford 713-594-5049. Youth Club Meetings: Second Sunday of each month, 2 p.m. at Iowa Colony Community Center. For information, call Youth Leader Brenda Moyle 713-303-1471.

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 979-251-4150; or Lenora Bliznak 979-277-8845. LODGE 172, PASADENA (5) Attention: Lodge 172 has closed its hall doors, and the building is for sale. Until further notice, hall opens only for monthly lodge meetings, held the fourth Sunday of each month at 2 p.m. For information, contact Jo 713628-3007; or Helen 713-920-7172. Lodge Hall: 3609 Preston Road, Pasadena. Lodge Meetings: Fourth Sunday of each month at 2 p.m. LODGE 177, ACADEMY (2) Lodge Hall: 711 Rio Poco, Little River-Academy. Directions: Hall is on the south side of Academy, just off Hwy 95, on the right. Hall Phone: 254-982-4434. Please leave a message with question/s. Bingo: Every Tuesday and Friday at 7 p.m. Doors open at 5:30 p.m. Kitchen is open. Board of Truestees/Lodge Meetings: Second Wednesday of every other month - Board Meeting, 6 p.m. Regular lodge meeting, 6:30 p.m. LODGE 179, WARRENTON (1) Lodge Meetings: Second Thursday of each month, 11 a.m. Location will be announced in the Věstník prior to the meeting each month. For information, contact Ricky Weyand 979-966-7138. LODGE 180, BURLESON (3) Lodge Meetings: First Tuesday of each month at the Burleson Police Department Building - Community Room, 1161 S.W. Wilshire Blvd, Burleson, 6:15 p.m. For information, call 817-905-2097 or 972-268-0022. LODGE 182, FALLS COUNTY (2) Lodge Meetings: Second Sunday of each month, 2 p.m. at The Chicken Place, 504 Bridge Street, Marlin. Youth Club Meetings: Second Sunday of each month, 3 p.m. at The Chicken Place, 504 Bridge Street, Marlin. For information, contact Youth Leader Becky Beckendorf 254-749-5732. 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: 682-800-3485. Game Nights are every Tuesday and Thursday, 7 p.m. and every Sunday, 1:30 p.m. Permit No. 17516910506. Lodge Meetings/Family Nights: Third Sunday of each month at 4 p.m. at the hall. 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: Fourth Sunday of each month, 2 p.m. (subject to change). Call Youth Leader Jessica McCoy for information 979-777-8215. 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: 979567-4264. Social games: Every Monday, Wednesday, and Saturday, 7:30 p.m. Kitchen and bar open. License Permit No. 1-74-20733095-41002. 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. Call Youth Leader Yolanda Brinkman for information 979-567-0637. 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; or 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. Regular Dances: Third Friday night of each month, 7 to 10 p.m. Please continue to bring finger foods for the snack table. Lodge Meetings: Monday night before the third Friday night of the month, 7 p.m. at the hall. LODGE 196, HOUSTON-WEST (5) Saturday, April 13—Lodge meeting, held prior to the Easter egg hunt. Meeting is at 11 a.m. with pizza afterwards. Sunday, May 5—Social is at 1 p.m.; meeting starts at 2 p.m. Sunday, June 9—Social at 1 p.m.; meeting begins at 2 p.m. Lodge Hall: 17810 Huffmeister Road, Cypress. Directions: Off Hwy 290 West at Skinner. Hall Phone: 281-373-9482; email spjstlodge196@gmail.com. Lodge Meetings: Second Sunday of every other month - potluck served at 1 p.m.; meeting begins at 2 p.m. - unless otherwise noted. For information, call Cadance Wager 713-515-2835. LODGE 200, BRUCEVILLE-EDDY (2) Lodge Meetings: First Wednesday of each month on even months - February, April, June, August, October, and December, 6:30 p.m. at Taylor Hall, 100 4th Street, Eddy. For information, contact President Allen Trigg, Sr. 254-6245152. 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. For information, call Jenell 979-357-2181. LODGE 202, JOURDANTON (7) Adult Lodge Meetings: Held quarterly, the first Sunday of March and June at 1 p.m.; and the second Sunday of September and December at 1 p.m. A meal will be served at each meeting. Meetings are at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton. For information, contact Secretary Bettie House 830-281-8246. Youth Club Meetings: First Sunday of every month at 1:15 p.m. except in September and December, meetings are held on the second Sunday beginning at 1 p.m. at Jourdanton Community Center, 1101 Campbell Avenue, Jourdanton. For information, contact Youth Leader Regina House 830-570-2046. LODGE 207, IOWA PARK (4) Lodge Meetings: Third Thursday of each month, 6 p.m. For meeting location, call Secretary Joyce Kotulek 940-8550882. LODGE 215, SOUTH PLAINS (4) Lodge Meetings: First Saturday of each month, 6 p.m. at 631 Lockwood Street in Tahoka. For information, contact Secretary Pam Lehmann 806-535-8356. Youth Club Meetings: First Saturday of each month, 6 p.m. at 631 Lockwood Street in Tahoka. For information, contact Youth Leader Janeece Williams 806-632-5239. LODGE 219, EL PASO (4) Lodge Meetings: Second Wednesday of every month at 6 p.m. at Village Inn, 1500 Airway Boulevard in El Paso, Texas 79925. For questions, call President Juan Reyna 915-2564346. LODGE 229, ABILENE (4) Lodge Meetings: Second Tuesday of February, May, August, and November at 6 p.m. For meeting location information, contact Secretary Tammy Copeland 325-333-4089. LODGE 232, HOUSTON MIDTOWN (5) Lodge Meetings: Held the third Tuesday of every other month in 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) Lodge Meetings: Unless otherwise announced, second Tuesday of January, March, May, July, September, and November, 11:30 a.m. For meeting location, call President Ingrid Petrik 254-760-1831 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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