CATHOLIC FAMILY FRATERNAL JOURNAL #271 • PUB NO (USPS 585060) • Temple, TX 76501 • March/April • 2015 Congratulations to the 2014 Status Societies! Catholic Family Fraternal of Texas - K.J.Z.T. is proud to announce that 40 Societies have achieved the new Platinum Status, 23 Societies achieved Diamond Status, 3 Societies achieved Ruby Status and 1 Society achieved Turquoise Status for the year of 2014. Each recognized society will receive a funding check to be used to help with operations. The Board of Directors, State Officers and State Staff extend their gratitude to these dedicated societies who give so much of their time and service to their churches and communities. The following are the winning societies: The Great Joy of the Resurrection .................................. page 3 District News ................................... page 6 75-Year Pin Recipients ................................... page 8 Paying for College ................................... page 9 Society News ................................. page 10 Junior News ..................................page 16 PLATINUM STATUS Society No. 1 Yoakum Society No. 2 Hallettsville Society No. 4 Praha Society No. 5 Shiner Society No. 6 Bryan Society No. 7 Dubina Society No. 10 Fayetteville Society No. 11 West Society No. 12 Sweet Home Society No. 16 Ennis Society No. 18 Granger Society No. 20 Cistern Society No. 21 Marak Society No. 23 Hostyn Society No. 24 Ammannsville Society No. 30 East Bernard Society No. 31 La Grange Society No. 32 Houston Society No. 37 Hochheim Society No. 42 Sealy Society No. 43 Ganado Society No. 46 Corpus Christi Society No. 49 Needville Society No. 53 Wied Society No. 65 Holman Society No. 69 Smithville Society No. 77 Rosenberg Society No. 85 Damon Society No. 93 Austin Society No. 101 Victoria Society No. 104 Abbott Society No. 108 Dallas Society No. 111 Edna Society No. 114 Houston Society No. 115 Freeport Society No. 118 Taft Society No. 123 Raymondville Society No. 125 Houston Society No. 126 Palacios Society No. 130 Georgetown Society No. 29 Frydek Society No. 34 Hobson Society No. 40 Poth Society No. 41 Ellinger Society No. 44 Moravia Society No. 47 Industry Society No. 48 Cameron Society No. 66 Weimar Society No. 72 El Campo Society No. 83 Flatonia Society No. 89 Sinton Society No. 99 Baytown Society No. 100 Bay City Society No. 120 Sugarland Society No. 124 Texas City DIAMOND STATUS Society No. 3 St. Mary’s Society No. 9 St. John’s Society No. 14 Moulton Society No. 15 Corn Hill Society No. 17 Nada Society No. 22 Wallis Society No. 27 Caldwell Society No. 28 Frenstat RUBY STATUS Society No. 19 Taylor Society No. 38 San Antonio Society No. 45 Tours TURQUOISE STATUS Society No. 75 Jourdanton Catholic Family Fraternal Journal Page 2 A Letter from ThePresident By Loretta Stahl, President/CEO Congratulations to the local Societies who achieved Platinum, Diamond, Ruby and Turquoise Status thru the Fraternal Program. The Platinum level is a new status added during the 2013 Regular General Convention to encourage growth within the Societies. The many community events and parish projects held and volunteer hours donated prove once again the generous and charitable spirit of our Membership. Our hat is off to the local Society Officers who have guided each of these Societies in their endeavors to be leaders in both their communities and parishes. It takes many hours of planning to ensure the success of these events. Growing the Membership of Catholic Family Fraternal is our focus and with the continued cooperation of all Members we will be successful. Sharing our story about the many positive ways our Membership activities impact others is always a great opportunity to invite a new Member to join our good works. Our Marketing and Sales Department is always willing to assist you in any way with either insurance or annuity products. Please call the State Office or the Agent in your area, if we can be of assistance. Please make plans to join us for our summer activities. The District Meetings are well underway and attendance has been great at the meetings so far. We have Summer Camp for Juniors and Fundays planned for all Members and their families. Happy Spring! O n Saturday, February 7, 2015, members of Catholic Family Fraternal of Texas - K.J.Z.T. participated in the 11th Annual Fraternal Alliance of Texas Bowling Tournament. The event was held in New Braunfels at Fiesta Lanes. Pictured (L to R) are State Co-Ordinator of Junior Activities Anne Wick, Scott Strickland, Liz Hernandez, Christopher Wick holding Matthew Sylvester and VP/Insurance Services Pam Strickland. Not pictured are President/CEO Loretta Stahl and Catherine Sylvester. March/April 2015 CATHOLIC FAMILY FRATERNAL JOURNAL (USPS 585-060) PUBLISHED BI-MONTHLY BY CATHOLIC FAMILY FRATERNAL OF TEXAS 4604 EAST BEN WHITE BLVD. AUSTIN, TEXAS 78741 (512) 444-9586 www.kjzt.org • E-mail us at [email protected] PUBLICATION STAFF Editor Editorial Assistant Loretta Stahl Liz Hernandez 4604 East Ben White Blvd. [email protected] Austin, Texas 78741 PRINTER TEMPLE DAILY TELEGRAM Entered as Periodicals Postage Paid at Austin, Texas and at additional mailing office. Entered under the Act of August 14, 1912. STATE OFFICERS President/CEO Loretta Stahl VP/Insurance Services Pam Strickland VP/Financial Controller Carrie Janecek STATE DIRECTORS Emma Jean Ribar 6704 FM 2269 Buckholts, TX 76518 (254) 697-6349 Sofie Perkins 3104 Traylor Blvd. Rockport, TX 78382 (361) 729-7310 Arlene Cloyd 7181 Kiesewetter Rd. Bellville, TX 77418 (979) 865-9006 Deborah Kaspar P.O. Box 1677 Brazoria, TX 77422 (979) 482-0239 Grace Vinklarek 16052 N State Hwy 95 Flatonia, TX 78941 (830) 839-4400 Joan Johnson 7446 FM 1181 Ennis, TX 75118 (214) 728-6160 Joyce Kurtz 769 Private Road 3077 Hallettsville, TX 77964 (361) 293-7688 POSTMASTER: Send address changes to: Catholic Family Fraternal Journal Attn: Editor P.O. Box 18896 Austin, Texas 78760-8896 K.J.Z.T. Office Hours Monday thru Thursday 8:00 a.m. to 5:00 p.m. Friday 8:00 a.m. to 2:00 p.m. March/April 2015 CALENDAR OF EVENTS April 26 Society No. 29 Frydek will be sponsoring the cake walk booth at the St. Mary’s Parish Bazaar. Come and stop by! May 1 Society No. 3 St. Mary’s will hold their 2nd Quarterly Meeting at 5:30 p.m. in the St. Mary’s Church Sacristy. May 2 Join Hands Day: a national volunteer day that brings young people and adults together to begin a year-round process of relationship building and to make great contributions to your community. Make sure to send us stories of your projects! May 10 Happy Mother’s Day! May 25 The State Office will be closed in observance of Memorial Day. June 7 Society No. 46 Corpus Christi will hold their 2nd Quarterly Meeting at 2 p.m. at the Moravian Hall in Corpus Christi. June 12 Society No. 75 Jourdanton will hold their Flag Day ceremony at 9 a.m. at the Jourdanton Community Center in Jourdanton. June 14 Celebrate Flag Day in your community! June 21 Happy Father’s Day! June 25 Page 3 Catholic Family Fraternal Journal Guardian Angel Camp begins this day! To sign up for Camp, contact State Co-Ordinator of Junior Activities Anne Wick. Then make plans to attend Junior Division Awards Day on July 25th in Abbott and celebrate the accomplishments and hard work of our Fraternal’s Juniors! The Great Joy of the Resurrection This article was previously published in the March/April 2009 edition of the Catholic Family Fraternal Journal. By Rev. Msgr. Joseph Hybner, State Chaplain Our English word for Easter derives from an ancient root that means “to shine,” or “dawn,” or “the direction of the sunrise.” In the Easter Season, the Church gives us 50 days to let the light of Christ’s Resurrection dawn in our hearts and minds until it burns brightly in the fire of Pentecost. It is ironic, but in some ways Lent is easier than Easter. It is easy enough to acknowledge our need for spiritual renewal. It is all too easy to make a list of our bad habits. It is even easy to make an attempt to eliminate one or another of them, at least for the 40 days of Lent. But it is hard to know how to respond to the Good News of the Resurrection. On Easter Sunday, the sight of the empty tomb sent the disciples scurrying here and there, all the way to Emmaus and back again, from Jerusalem to Galilee. They weren’t sure what to do with themselves. Even a week later, they were hiding behind locked doors. We are like that sometimes. We hear the dismissal at the end of Mass – “Go in peace to love and serve the Lord, alleluia, alleluia!” – and we hurry forth, not entirely sure what we are supposed to do. This is why we spend the Easter Season with the Acts of the Apostles, which we will hear from every day between now and Pentecost. Acts is the sequel to the Gospel according to Luke, and in it the evangelist shows how the life, death, and Resurrection of Jesus Christ gradually reached beyond Jerusalem to touch the whole of the known world. The precious message is carried in earthen vessels – in Peter, the rock who keeps changing his mind; in Paul, the persecutor of the Church who becomes her greatest preacher; and in countless others, named and unnamed, saints and sinners, all of them flawed and all of them chosen. In some places the word spreads like wildfire; in others it seems to drop like a stone. Little by little, the Church grows. The Acts of the Apostles is filled with Luke’s absolute faith in the message of Jesus. Although Luke’s account ends with Paul’s arrest in Rome awaiting trial, it ends in joy, for the Good News is reaching both Jews and Gentiles; nothing can stop the spread of the Gospel. From as early as the third century, the celebration of Easter has overflowed into a 50-day season of celebration. That means Easter is older than Lent! The Church Fathers described this period in different ways. Saint Athanasius called it the “great Sunday.” Saint Hilary of Poitiers referred to it as a “week of weeks” – that is, seven weeks of seven days, an emblem of eternity. Recent Church documents echo the language of the Church Fathers. “The 50 days from Easter Sunday to Pentecost are celebrated in joyful exultation as one feast day, or better, as one ‘great Sunday.’” These are “sacred days”; “these above all others are the days for the singing of the Alleluia.” Since Christ rose from the dead, Heaven is open to everyone, if we choose to accept our redemption in Christ. God is all mercy, He sent his Son to die for us freeing us from evil and sin; He never refuses his grace, but He never forces us either. The Easter Season flows into the month of May, which we dedicate to Mary, the Mother of Jesus, who was Assumed into Heaven. She is our Patroness! We pray to her, asking her intercession through her Risen Son. Jesus said, “I am the Resurrection and the Life, those who believe in me shall live forever” John 11:25. May you have many blessings this Easter Season and always! He is Risen! Tell the Good News! Page 4 ANNUAL BOARD OF DIRECTORS’ MEETING January 26 - 28, 2015 Monday, January 26, 2015 The Annual Board Meeting was called to order following Mass on Monday, January 26, 2015. All Board Members were present. Pam Strickland, VP/Insurance Services, Carrie Janecek, VP/Financial Controller, and Monsignor Joseph Hybner, State Chaplain were also in attendance. The minutes of the 2014 October Quarterly Board Meeting and the 2014 December Special Board meeting were reviewed. Loretta Stahl, State President/CEO presented the Investment Report. The Consent Agenda was reviewed. Pam Strickland, VP/Insurance Services, reported on membership, annuities and the 2015 Exchange Program. Mrs. Strickland informed the Board on the new “One-Per-12-Month Rollover Limitation” and new NAIC regulations on annuities. David Hughen, with Austin HR, joined the meeting. Mr. Hughen, provided the Board with information on the services Austin HR could provide to assist with employee relations. Carrie Janecek, VP/Financial Controller, presented the profit and loss statement, reviewed the budget and reported on past due loans, and marketing expenses. Mrs. Janecek informed the Board that her department would be using new accounting software, Sage 50, as of January 1, 2015. Jim Wiest, Sales and Marketing Manager, joined the meeting. Mr. Wiest updated the Board on Sales Seminars and presented the 2014 Sales Report. Loretta Stahl, State President/CEO, reported on the TDI audit and updated the Board on the Positive Pay Fraud Protection that was recommended by Gary Davis, Auditor. There was a brief discussion on the need for a security system to safeguard the State Office. Tuesday, January 27, 2015 The Meeting was called to order following Mass on Tuesday, January 27, 2015. All Board Members were present. Pam Strickland, VP/Insurance Services, Carrie Janecek, VP/Financial Controller and Monsignor Joseph Hybner, State Chaplain were also in attendance. Barbara Taylor, Human Resources, joined the meeting. Mrs. Taylor presented changes to the Employee Handbook. Jennifer Machacek, Legal Advisor, joined the meeting. Mrs. Machacek went over past due loans and informed the Board of new loans being processed. Jennifer advised the Board on “Event Accident Liability/Procedures.” Lunch was provided by Mike Janak, Investment Advisor. Mike Janak, Investment Advisor, joined the meeting. Mr. Janak presented and reviewed the Investment report. Arlene Cloyd, State Director, reported on Texans of Czech Ancestry (TOCA). Kirk Gravely, with Allen Bailey and Associates (ABA), joined the meeting. Mr. Gravely informed the Board on the current problem with the Exchange Program that the 1983 Bonus is causing. He let the Board know how the problem will affect our Fraternal’s Reserves. Kirk advised the Board on paying renewal commissions for annuities, and he discussed raising the Fraternal’s reinsurance retention and adjusting our current Term Rates. The Strategic Plan was reviewed. The Business Continuation Plan and the Loan Guidelines were reviewed. Wednesday, January 28, 2015 The meeting was called to order following Mass on Wednesday, January 28, 2015. All Board Members were present. Pam Strickland, VP/Insurance Services and Carrie Janecek, VP/Financial Controller, and Monsignor Joseph Hybner, State Chaplain were also in attendance. Catholic Family Fraternal Journal March/April 2015 Statement of Condition Catholic Family Fraternal of Texas - K.J.Z.T. December 31, 2014 STATEMENT OF CONDITION December 31, 2014 Assets December 31, 2014 Bonds and Stocks December 31, 2013 $111,892,529 $106,430,038 $9,756,051 $10,960,743 Real Estate $397,631 $440,845 Certificate Loans $165,540 $283,705 $12,391,965 $7,683,130 $134,603,716 $125,798,461 $110,201,004 $105,575,285 $143,790 $145,807 Investment Reserves $3,049,059 $3,218,192 All other Liabilities $8,757,597 $4,165,069 $122,151,450 $113,104,353 $12,452,266 $12,694,108 $134,603,716 $125,798,461 Mortgage Loans Cash and Other Assets Total Assets Liabilities Certificate Reserves Accumulated Dividends Total Liabilities Surplus Total Liabilities & Surplus Anne Wick, Junior Coordinator, joined the meeting. Mrs. Wick announced the date for Junior Awards Day will be July 25, 2015, in Abbott, TX. Registration will take place at 9:00 am with Holy Mass or a Spiritual Activity beginning at 10:00 am. After the awards, hamburgers will be served. Anne let the Board know that the 2015 Photo Contest will be a Patriotic Theme. After a brief discussion about Camp Guardian Angel, the Board requested that Anne send them a camp schedule. There was a brief discussion on PTO “carry over” hours. The Board advised that Personal Time Off (PTO) be transferred to the VP/ Financial Controller’s Department in order to track in the new accounting software (Sage 50). The Board also advised that the PTO be documented on all employees’ pay stubs. Respectfully submitted, Pam Strickland, VP/Insurance Services March/April 2015 Catholic Family Fraternal Journal Page 5 Request Date: 3/2/2015 Hyperthyroidism Plan Sponsor: 414 CATHOLIC FAMILY FRATERNAL OF TEXAS, KJZT Group Savings Report for February, 2015 Year To Date 2015 Aggregate Prescriptions Filled: By Dr. Ralph Wagner, Medical Adviser The thyroid gland puts out thyroid hormones which help regulate our bodies’ metabolism. This gland is located in the lower part of our neck and when it becomes overactive, the condition is called hyperthyroidism. This is a fairly common condition that most commonly affects younger women. Most cases of hyperthyroidism are caused by an autoimmune disorder when the body’s immune system produces antibodies that affect the body’s own tissues or organs. Grave’s disease is the name given to this autoimmune reaction producing an overactive thyroid gland. Less common causes of hyperthyroidism are overactive thyroid nodules that make too much hormone and thyroiditis, when a viral infection inflames the gland, releasing extra thyroid hormone. The symptoms usually begin slowly and are variable, but may include weight loss, rapid or irregular heartbeats, tremors of the hands, increased sweating, nervousness and changes in bowel or menstrual functions. Other symptoms may be fatigue, difficulty with appetite or sleep, and muscle weakness. The gland may become enlarged, called a goiter, and the condition may lead to an abnormality of the eyes, causing them to appear enlarged. An overactive thyroid gland is usually very easy to detect by the doctor’s examination and simple blood tests. Further testing of the blood and scans of the thyroid gland may be necessary to isolate the condition and devise a treatment plan. There is effective treatment for hyperthyroidism. The best choice of treatments should be made based on a person’s age, condition, and how severe the condition is. Radioactive iodine treatment may be prescribed where the iodine is taken up by the gland, causing the gland to be less active over several months. If the gland becomes underactive, a thyroid supplement is prescribed to normalize thyroid hormone levels. Most adults in the United States are treated with radioactive iodine. Anti-thyroid medications can be used which block the thyroid gland’s ability to produce hormone. These drugs may need to be used for at least a year. Surgery can be an option in certain situations where most of the gland is removed and usually a thyroid supplement is needed later when the hormone levels fall to a low level. Beta-blocker drugs are frequently used early on to control hyperthyroidism symptoms no matter what other treatments are chosen. Complications of untreated hyperthyroidism may include heart failure, rapid heart rate, or irregular heart rhythms. Dry or a bulging appearance of the eyes is not uncommon. Osteoporosis or brittle thinning of the bones can occur. Thyrotoxic crisis refers to sudden worsening of hyperthyroidism with rapid pulse and even mental confusion or agitation. 33 73 Normal Retail Pricing: $1,568.51 $3,174.36 Discount Program Pricing: $1,152.20 $2,385.91 $416.31 $788.45 $26.02 $19.28 30.95% 32.44% Total Dollars Saved By Your Cardholders: Average Saved Per Discounted Prescription: Your Group's Discounted Prescription Savings: Total Savings For 2014 Aggregate Prescriptions Filled: 526 Normal Retail Pricing: $20,001.95 Discount Program Pricing: $14,870.15 Total Dollars Saved By Your Cardholders: Average Saved Per Discounted Prescription: Your Group's Discounted Prescription Savings: $5,131.80 $17.64 30.48% Aggregate Total Savings Since Your Program Began (Mar-2003) The next issue's deadline is May 20th. Please send your articles and photos to: Loretta Stahl, Editor P.O. Box 18896 Austin, TX 78760-8896 Editors Note: -The Fraternal Journal will not return photos. -Please type or neatly print your entries to insure that the information is correct. -Journal entries are accepted on a journal news report form or by email at [email protected] Visit us online at www.kjzt.org $362,772.31 Page 6 II Catholic Family Fraternal Journal DISTRICT NEWS The District II Annual Meeting and Social was hosted by Society No. 7 Dubina on Sunday, March 8, 2015 at the Dubina Community Hall in Dubina, Texas. Registration began at 1:30 p.m. and the meeting started at 2 p.m. A Memorial Service for the deceased members of District II was held with the assistance of the Praha Junior members. A white carnation was placed in a vase by the statue of the Blessed Virgin Mary as the names of the twelve deceased members were read. Society President Elizabeth Kloesel read the names and read the scripture readings. After the Memorial Service, State Co-Ordinator of Junior Activities Anne Wick reported of the Junior Division’s upcoming activities. The Praha Juniors performed for the members and guests present. It was enjoyed by everyone. After the program, they were dismissed to their own meeting and activities. The meeting was called to order by President Elizabeth Kloesel. Elizabeth welcomed everyone to the meeting and introduced the State representatives. Attending was VP/Financial Controller Carrie Janecek, State Director Joyce Kurtz, State Co-Ordinator of Junior Activities Anne Wick and Sales and Marketing Manager Jim Wiest. The local officers attending were President Elizabeth Kloesel, Secretary Willie Mae Kristynik, Treasurer Gladys Muras and Junior Director Wendy Syrinek. Roll call of Societies was St. Anne Praha No. 4 with 12, St. Anne Dubina No. 7 with 8, Holy Rosary St. John No. 9 with 2, St. Agnes Ammannsville No. 24 with 2, The Annunciation Moravia No. 44 with 1, St. Ludmila Weimar No. 66 with 1, Little Flower Flatonia No. 83 with 3. A motion was made by Georgia Cerny of 4 Praha and seconded by Barbara Brandt of 7 Dubina to dispense with the reading of the minutes of the last meeting. Motion carried. Society No. 83 Flatonia accepted to host the next District Meeting and Social. VP/Financial Controller Carrie Janecek presented President Elizabeth Kloesel a check to defray the expense for hosting the meeting and social. She also spoke on the success of the K.J.Z.T. last year. State Director Joyce Kurtz welcomed all present and thanked everyone for coming. She thanked the Societies for a great job in achieving the Platinum and Diamond Status’. She presented the certificates to each Society present. Societies receiving the Platinum Status were 4 Praha, 7 Dubina and 24 Ammannsville. Diamond was 9 St. John, 44 Moravia, 66 Weimar and 83 Flatonia. Mrs. Kurtz presented the 50-year membership pins to the following Societies: 4 Praha with 4 members, 7 Dubina with 2 members, 24 Ammannsville with 1 member, 44 Moravia with 4 members, 66 Weimar with 2 members, 81 Schulenburg with 1 member and 83 Flatonia with 1 member. Society No. 44 Moravia also had 1 75-year membership pin recipient. Sales and Marketing Manager Jim Wiest spoke about insurance sales. He urged everyone to solicit new members. President Elizabeth Kloesel led everyone in the prayer for world peace and said the blessing before the meal. President Kloesel thanked everyone for coming. Door prizes were given and the meeting adjourned. The refreshments were served. March/April 2015 Status Certificates Pictured (L to R) are State Director Joyce Kurtz, Clara Christ for 24 Ammannsville, Dorothy Olsovsky for 44 Moravia, Bessie Dornak for 9 St. John, Georgia Cerny for 4 Praha, Gladys Muras for 7 Dubina and Doris Garbade for 83 Flatonia. 50-Year Membership Pin Pictured (L to R) are State Director Joyce Kurtz and Monica Mican. Juniors Pictured (L to R) are Quade Brothers, Megan Brothers, Cole Brothers, Amy Koncaba, Junior Director Cynthia Koncaba, State Co-Ordinator of Junior Activities Anne Wick, Chelsea Brothers and Assistant Junior Director Darlene Brothers. All are from the Praha Society No. 4. March/April 2015 I Catholic Family Fraternal Journal DISTRICT NEWS The District I Annual Meeting and Social was hosted by St. Mary’s Society No. 3 and Wied Society No. 53 on March 22, 2015. Registration opened at 10:30. At 11:15 there was an opening prayer said by Society No. 3 St. Mary’s President Deborah Konvicka and then a memorial service for the deceased members of the district’s Societies. The lights were cut off. As each member’s name was said and the date of their death, a Junior member brought up a candle and it was lit by a Junior member. It was encouraged a family member take the candle home with them at the end of the meeting. Anne Wick was then introduced as the State Co-Ordinator of Junior Activities. She talked about Camp and Junior Division Awards Day. The photo contest winners were recognized for this district: Sally Machacek, Cade Leist, and Nicolette Siegel. The Junior leaders were introduced-Denise Leist (Shiner) and Marlene Irvin (Moulton). Juniors then did a program and sang “America the Beautiful”. Deacon Joey Targac lead the prayer before the meal. A delicious meal was served by Werner’s Restaurant consisting of breaded chicken breast, twiced baked potatoes, corn casserole, broccoli salad, and rolls. The Societies hosting provided the sweets. After the meal, Deborah Konvicka called the meeting to order and introduced the special guests. Monsignor John Peters opened the meeting with a prayer. Other special guests introduced were: President/CEO-Loretta Stahl, Legal Advisor for K.J.Z.T.-Jennifer Machacek, Deacon Joey Targac and Mary Targac, Deacon Jacob Koether, and Father Barnabas Kyeah. Next, an introduction of the hosting society officers were mentioned as followed: PresidentDeborah Konvicka St. Mary’s Society #3, Vice President-Katherine Kahanek Wied Society #53, Secretary-Monica Peters Wied Society #53, and Treasurer-Jennifer Janik St, Mary’s Society #3. A roll call of the societies in District 1 was next on the agenda. A total of 114 adults and 19 Juniors were present. Included in the count were 2 State Officers and 5 clergy. State Director Joyce Kurtz awarded the 75 year pins, and 50 year pins of recognition. She presented each Society with their Certificate of Excellence. A motion by Mary Ann Marek and a second by Rose Mary Havlik to dispense of the minutes were made. There was no old business or new business discussed. A selection of a new meeting place and a hosting Society for the next district meeting was accepted by Moulton Society #14. President/CEO Loretta Stahl and State Director Joyce Kurtz spoke about the K.J.Z.T. message. Next, Msgr. John Peters spoke highly of the great work K.J.Z.T. members and Societies are doing for the surrounding areas. Door prizes were handed out and a closing prayer for world peace was said. The meeting was adjourned. Page 7 Status Certificates Pictured (L to R) are State Director Joyce Kurtz, Jennifer Janik for 3 St. Mary’s, Helen Manning for 1 Yoakum, Mary Ann Rother for 14 Moulton, Mary Ann Marek for 5 Shiner, Anna Wiggington for 37 Hochheim, Rhonda Syamken for 2 Hallettsville, Gladys Hermes for 12 Sweet Home and Katherine Kahanek for 53 Wied. 75-Year Membership Pins Pictured (L to R) are State Director Joyce Kurtz, Helen Janik, Mary Jane Patek, Mary Jones and Anita Grabarkievtz. Juniors Pictured (L to R in front) are Levi Leonard, Jack Leonard, Sally Machacek and Cierra Shaver. Pictured (L to R in middle row) are Ted Machacek, Kade Leist, Trinity Garza, Seryna Garza, Conner Shaver, Julia Machacek, Shiner Junior Director Denise Leist and Moulton Junior Director Marlene Irvin. Pictured (L to R in back) are Shiner Assistant Junior Director Brian Leist, State Co-Ordinator of Junior Activities Anne Wick, Noah Leist, Eudosio Garza, IV, Katarina Leist, Grace Irvin, Abby Irvin, Anna Adamek and Moulton Assistant Junior Director Alice Leonard. 50-Year Membership Pins Pictured (L to R in front) are Sheri Grohmann, Peggie Sustr, Mildred Siegel, Sandra Konvicka and State Director Joyce Kurtz. Pictured (L to R in back) are Rhonda Syamken, Diane Broussard, Karen Groenhuyzen, Juliet Monk and Sandy Maldonado. Page 8 Catholic Family Fraternal Journal March/April 2015 Congratulations to the 2015 Recipients of the 75-year Membership Pin! 1 YOAKUM JANICE BOWER BETTY JOAN HLOZEK EVELYN GRIFFIN (deceased) MARY J AUSTIN MARY LOUISE HUNT 89 SINTON HELEN RICHTER 2 HALLETTSVILLE JO MARIE PRASEK PATRICIA A HESSLER VERNELL M BOZKA MARY H BUJNOCH 23 HOSTYN LILLIE M NASH 53 WIED ANITA GRABARKIEVTZ HELEN M JANIK 3 ST. MARY’S LEONA ZIEGLER 30 EAST BERNARD GERTRUDE HILLMANN BERNADETTE DOBIAS ISABEL ROBERTSON CAROLINE J LOCHRIDGE MARY ANN KRAMR HELEN E MICA ANNIE MACHA CLARICE A MARIK SNOKHOUS DONNA A STEWART 57 HUNGERFORD MARTHA CHALUPA 93 AUSTIN MARTHA WATKINS FRANCES KAJS ALEXIS DAVIS MARY ANNE BROWN CHRISTINE J TOUNGATE 70 KARNES CITY CECILIA B VAJDOS 99 BAYTOWN PATRICIA HERRIN 72 EL CAMPO LAVERNE WENDEL MARY TRISKA ANNIE TAMEZ NELL MARIE KIGHT ALICE NEIMAN IDA MAE MACH JOYCE MCCLURE BETTY PARMA BETTY ANN BITTLE BEATRICE STANFORD ANNIE SUPAK 101 VICTORIA EDITH KRENEK ELEANOR CONTI MILDRED PETRUSEK 73 ROBSTOWN CAROLINE A NEELY MARIE C MALOY 109 PASADENA LORRAINE MICHALEK 5 SHINER LUCY VANA MARY J PATEK 6 BRYAN BARBARA MERKA MARIE THACKER MARY F ZEMANEK LOUISE BOND 11 WEST JOSEPHINE KUBALA LILLIAN KRAMOLIS MARY FRANCES RENZE GEORGIA KRAMER WILLIE M EAGAN HENRIETTA GERIK 12 SWEET HOME EMILY FRANZ (deceased) 14 MOULTON MARIE JONES 16 ENNIS AGNES HARPER GEORGIA WARE 18 GRANGER HYACINTH KNAPEK 19 TAYLOR VLASTA MEKOLIK 21 MARAK MARTHA STUHFF 22 WALLIS ANNA J MYER 29 FRYDEK BEATRICE CHALUPA 32 HOUSTON LOUISE WIDACKI ELIZABETH (BETTIE) DEDMON HENRIETTA NEVLUD 33 HILLJE FRANCES (MILDER) MCALPINE 34 HOBSON VALERIE PAWELEK 38 SAN ANTONIO EDITH KATZFEY AGNES E ROHAN 40 POTH GERTRUDE H SELLS 41 ELLINGER ADELLE LINKE 43 GANADO LILLIE BURES IRENE MALCIK 44 MORAVIA DOLORES A MCCULLOCH 46 CORPUS CHRISTI MARGIE KURECKA AGNES WADE 75 JOURDANTON MARY ANN POLANSKY GEORGIE M POLANSKY MARGARET M LACHUT 86 SEYMOUR EMMA M KRUPPA ALICE M GLEICH DOROTHY M MATUS JO ANN CARPENTER MARCELLA M FORD BERNICE GOWENS GERMAINE HOELSCHER ELIZABETH RAY GENEVIA A KUEHLER 88 VERNON AGNES MORGAN N LOUISE HONKOMP 104 ABBOTT MARY ANN MARAK 108 DALLAS AGNES KOZLOVSKY ANNA M DOKUPIL ANNA MACH 111 EDNA MARY A SHEBLAK 113 ANGLETON BETTY J KLASEL 114 HOUSTON LILLIAN BOONE 115 FREEPORT EVELYN BOWLING 116 SAN ANTONIO MARIE MC CAIN 119 BELLAIRE AGNES LILLIE COOK 125 HOUSTON BERNICE MATUSEK DELORES A LAITKEP March/April 2015 Page 9 Catholic Family Fraternal Journal Paying for College By Jim Wiest FIC, CFFM, Sales and Marketing Manager At the top of parents’ long-term goals for their children is making sure their children receive a high-quality education. But as college costs climb and climb with no end in sight, it’s become harder each year to afford a high-quality college education without taking on a cratersized debt. The most popular vehicle parents use to save for their children’s college education is the 529 College Savings Fund. But lately, a newcomer has entered the picture: Whole Life Insurance. Well, it’s hard to call whole life insurance a “newcomer” because it’s been around since the Civil War – before a college education was even considered a possibility for middle-class families. Nevertheless, Whole Life Insurance has also become a popular way to save for college – giving parents two strong options. Although there is no inexpensive alternative, I would like to show you the pros and cons of both and show you which one is truly the best way to save for your children’s college education. College saving plans (commonly referred to as 529 plans) have gained much fanfare in the past decade – especially as tuition costs rise while the average American’s salary remains stagnant. Indeed, there’s a lot to like about them. First, as most know by now, accumulated earnings are tax-deferred and withdrawals are exempt from federal income tax when used for “qualified higher education expenses.” Other benefits include: • Friends and family members can also contribute to a 529 plan. • The account holder can change the beneficiary if the original beneficiary decides not to go to college or does not use all the funds. • 529 plan funds can be used at the vast majority of most colleges and universities in the United States. But there are drawbacks: • Plans vary from state to state. And many states allow you to open a 529 Plan in their state without even being a resident in it. This element alone multiplies the time and effort a family has to spend researching the different plans offered by each state. • If money from a 529 plan is withdrawn and not spent on what’s considered a “qualified higher education expense,” it would likely be subjected to income taxes and a penalty tax as high as 10%. We all know that college expenses don’t stop at room, board and books. • Finally, a 529 plan can reduce your beneficiary’s ability to receive incomebased financial aid. If this happens, it can render the savings plan useless since it just increased the total amount of money you’ll pay for higher education. whose stars have fallen dramatically. Less than a decade later, we’re living in a very different world. And more and more people are starting to realize that 529 Plans may not bring all they expected. Not only that, they are also realizing that Whole Life cash value life insurance, as a college savings tool is a better option. For example, take the case of former stock broker Brian Solik. Given his profession, if anyone would know firsthand that we’re not living in the mid-2000s anymore, it’s him. After the stock market crash in 2008, he stopped contributing to the three 529 plans for his children and instead began using cash value life insurance for college savings. His reason – no surprise – was safety. Taking a hit to your investment portfolio is one thing. You have to expect that to a certain degree. But when your children’s college savings starts losing value, it’s time to rethink your strategy. Whole life insurance is hands down the better college savings plan than actual college savings plans. Among Whole Life Insurance benefits: • Whole Life allows you to save for any person, business or charity regardless of their relation to you. You can also choose multiple beneficiaries, divided up to receive whatever percentage you set for each. • Whole Life plans offer unlimited ways to spend your money. Money withdrawn from a college savings plan is only allowed to be spent on pre-qualified college expenses or else be subjected to federal income tax and possibly a 10% federal tax penalty. Last time I checked, college students ate food, buy clothes, put gasoline in their cars, etc. Whole Life plans can help pay for this without penalizing the student. • Whole Life plans won’t jeopardize a student’s chances of getting additional financial aid. This is because the coverage is on the parents’ lives, not the student. Compare that to money in a college savings fund, which is factored into the financial aid calculator. • And most importantly, guaranteed results. Whereas many college savings plans are subject to the turbulent stock market. Can you imagine putting money away for years only to find out that what you cash out is less than the amount you put in? The cash values, while not projected into the stratosphere, are absolutely, unconditionally guaranteed, as is the death benefit should you die before having the chance to pay for your children’s college yourself. Now you know what few people know! Whole Life can do so much more than insuring the loss of loved one – for everything that happens in life, from college to retirement. For more information and assistance about college savings, please contact me and ask for my free “Paying for College” life guide. It has 19 pages of information covering everything you need to know to get ready for college, no matter what age your children are. You can request a printed copy or the computerbased version with individual cost calculators that you can use right at your keyboard. Jim Wiest FIC, CFFM Sales and Marketing Manager Mobile: 512-897-8338 You’d think that with the ever growing importance of a college education – [email protected] combined with wildly escalating tuition prices – the popularity and reliance on 529 College Savings Plans would increase as well. When you think about it, the mid-2000s were the heyday for a lot of things Catholic Family Fraternal Journal Page 10 Society News The Society held a raffle with pro- 17 Nada ceeds and matching funds from the State Office going to pay for new light posts in front of St. Mary’s Church for their People Helping People Parish Project. Members presented the check to Father Joe Vrana after Sunday Mass. Pictured (L to R) are Ernestine Schneider, Treasurer Leona Brzozowski, Virgina Pavlovsky, Father Joe Vrana, Pauline Leopold, Grace Korenek, and Secretary Cathy Leopold. Members participated in the Hostyn 2nd Annual Living Rosary and March for Life on Wednesday, January 21st. Lillian Kallus welcomed everyone in the church narthex and opened with a prayer for life. The walk began with a rosary from statue to statue, in the church due to inclement weather, and ended at the altar. Deacon John McCourt ended with a special prayer. The First Eucharist students, teachers and mothers joined the prayers and walk. Members that participated included Lillian Kallus, Verlene Kuntschik, Joyce Muras, Eileen McCourt, Bethany Kallus, Linda Wagner, Margie Janda, Deacon John McCourt and Monica Muras. 23 Hostyn The Society’s 2015 first quarterly meeting was held Thursday, February 12th, in the Msgr. Harry Mazurkiewicz Parish Center. President Elizabeth Kallus called the meeting to order at 4:00 p.m. with opening prayers for living and deceased members and Pledges of Allegiance to the U.S. and Texas Flags. Secretary Marilyn Kothmann read the November meeting minutes, thank you notes, and correspondence from the State Office; and Treasurer Barbara Eilert sent her report read by Kallus. Committee report - Vice President Joy Kovar reported Beatrice Sumbera, Felicia Chovanec, Betty Baca, and Agnes Niemeyer were remembered on their special birthdays, five get well cards were sent, there were twelve C.E.F. enrollments by members, and she arranged for a Mass to be said for the intention of recently deceased member Evelyn Sevcik. Under new business, Fr. Joseph Varickamackal will be remembered for his ordination anniversary and birthday on March 3rd; People Helping People parish project will be the plant wheel at the Sacred Heart Spring Festival on April 12th; Juniors have raffle tickets for sale with the drawing to be held at Camp Guardian Angel in June; the annual Mass for living and deceased members will be March 8th at 9:00 a.m.; and the next quarterly meeting will be May 7th at 4 p.m. State Director Grace Vinklarek informed members of upcoming events: officer and delegate workshop on February 28th in La Grange, District Meeting on August 9th hosted by Society No. 20 of Cistern, area Family Fun Day on June 13th at Splashway, and the Junior coronation event July 25th in Abbott. She also congratulated the members for obtaining the Platinum status in 2014. Meeting attendance prize was won by Joy Kovar, and a door prize donated by State Director Grace Vinklarek was won by Mary Louise Hernandez. The meeting closed with the Memorare prayer. A social with light refreshments was enjoyed. Members manned the des77 Rosenberg sert table at the Czech Heritage Society meal. 31 La Grange March/April 2015 Society members met on Saturday, January 24th in the Holy Rosary Church narthex for their first quarterly meeting. President Lillian Kallus called the meeting to order. The junior members led the opening prayer and pledges to the U.S. and Texas flags. Secretary Verlene Kuntschik read the minutes and Treasurer Helen Janda gave the financial report. There were 13 CEF enrollments since the last meeting. The People Helping People Parish Fundraiser, which was the Chicken Noodle Soup and Bake Sale, was a huge success. President Kallus requested the charity reports to be turned in as soon as possible. Thank you notes were read from AMEN and Faither Dan Kahlich. She reminded members about Junior Summer Camp to be held July 25th – 28th, Awards Ceremony to be held July 25th and Funday at Splashway on June 13th. She talked about the Junior Division State project qualifications. Junior raffle tickets were made available to members. Meeting dates for the year were set. President Kallus encouraged members to attend special services in Lent and to attend DIM bible studies. State Director Grace Vinklarek shared information on the upcoming junior activities for the year. She explained various insurance policies. She gave a report on the health of Msgr. Joseph Hybner. She informed the members the District Meeting will be held on August 9th. The attendance prizes were won by Ann Janda and Jacob Janda. The meeting closed with a prayer. 23 Hostyn The Society presented checks to the Boy Scout Troop 228 and Cub Scout Pack 124. 66 Weimar Pictured (L to R in front) are Boy Scout Leader Brent Hoskins, boy scout Cole Hoskins, Society Treasurer Evelyn Thuemler, cub scout Michael Koeth and Cub Scout Leader Michelle Koeth. Pictured (L to R in back) are Society President Mildred Santoro, Vice-President Marjorie Grunewald and Secretary Sylvia Addicks. Pictured is the group of participants. Pictured (L to R) are Bernice Freudensprung and Ethel Arrington. March/April 2015 Page 11 Catholic Family Fraternal Journal The Society presented a 75-year 43 Ganado membership pin to Jo Ann The- resa Everett of El Campo. She is a member of Society No. 43, The Purification, Ganado. Society No. 43 Ganado Celebrates Centennial The Society held its Centennial Celebration on October 19, 2014. They had a Mass, meal and a guest speaker. Guests were all the State Directors and President/CEO Loretta Stahl. Frances Vesely spoke about the organizing of the Society and she named the charter officers and how much this organization meant to the first members and continues to present day. Pictured presenting the pin is Society President Cecilia French. For a People Helping People project, the Society held a Valentine party at the Ganado Nursing and Rehabilitation Center. Refreshments of angel food cake, strawberries, cool whip and punch were served to approximately 75 residents and guests. Several Society members are residents at this facility. Entertainment was provided by Carl Wright who played tunes appropriate for Valentine’s Day. 43 Ganado Pictured (L to R) are Frances Vesely, Mary Ann Peters, Society President Cecilia French, Kathryn Wesselski, Alice Wright, Lanoe Macha, Helen Andel and Charlotte Andel. Happy 100th Anniversary! 2015 District Meeting Schedule All Members and their families are invited to attend and participate in the activities of the District Family Socials and Meetings. Merit Pins of Recognition and 50-Year and 75-Year Membership Pins will be presented to eligible Members in recognition of their dedication and years of service and membership. The Junior Divisions of the various Societies will participate in their District's Meeting and Activities. District VI IX X XI/XII III/VIII Date 04-19 04-26 05-03 06-14 08-02 Event Times Meeting Place V 08-09 Registration at 11:30 a.m.; Meal and Meeting to Follow at Cistern Parish Hall Registration at 1:30 p.m., then Meeting, Benediction & Meal at Holy Family Parish Hall Registration at 11:30 a.m.; Meal and Meeting to Follow at St. Agnes CCD Center, 202 Cedar St. Registration at 11 a.m.; Meal and Meeting to Follow Abbott Parish Hall Registration at Noon; Meal and Meeting to Follow St. Mary’s School Cafeteria Registration at 11:30 a.m.; Meal and Meeting to Follow at Holy Rosary Life Center, Rosenberg Hosting Society 118 Taft 111 Edna 104 Abbott 19 Taylor 77 Rosenberg 20 Cistern IV 10-11TBASt. Cornelius CCD Center70 Karnes City Page 12 The Society held its first meeting of the year on February 8th. The Junior members joined in for opening prayers for sick members, followed by the Pledge of Allegiance. Secretary Alene Eggers read the minutes from the last meeting. Dorothy Prachyl made a motion to accept the minutes and Janis Wensowitch seconded. In the absence of Treasurer Georgia LaScala, President Elsie Marak gave the treasurer’s report. The Society donated a $50 gift card for a raffle held at the Annual Ennis Czech Music Festival on February 7th. The Society bake sale last December raised $996.50. The Cheer committee read the names of the sick and deceased members who were enrolled in the Clerical Endowment Fund. Thank you notes were also read. Last year a raffle was held for the St. Joseph Cemetery. Those present voted to request the Cemetery Committee to use the funds to purchase new fencing. Amy Hutyra made the motion and Janis Wensowitch seconded. Members discussed projects for this year. The Society will continue providing refreshments for the Life Teen program. The parish project will be a booth at the Annual St. John Nepomucene Festival in May. The community project will be the food pantry at Helping Hands of Ennis. Plans will be finalized at the April meeting. President Marak gave the dates for upcoming local meetings, the District meeting in Abbott on May 3rd and the annual Mass and celebration on August 15th. Members discussed increasing membership to qualify for the Platinum status. The Juniors joined in for closing prayers for deceased members. Names were drawn for door prizes, followed by a social with refreshments. 16 Ennis Catholic Family Fraternal Journal March/April 2015 123 Raymondville The Society held a 29 Frydek The Society presented a check to Disaster Relief project on Saturday, February 21, 2015. Money raised partment. went to a member of the community that was involved in an auto/pedestrian accident for medical expenses. A steak lunch was served and then the attendees played Bunco with each participant paying to play. A small silent auction was held and door prizes were given out. Prizes for the most wins, least wins, most Buncos and most wipe outs were given. The Society raised $465.00 and this will be matched at 100% by the State Office. Pictured are officers and members making the presentation. St. Elizabeth Society sponsored a table at the recent 40 Days/Coalition for Life Annual Fundraising Banquet on Thursday, Feb. 26, 2015, at 7:00 p.m. at the Brazos County Expo Center in Bryan. The Friend Table Sponsorship of Catholic Family Fraternal of Texas was prominently visible and recognized in the program for the evening and on the Sponsor Boards outside the hall. The Society was pleased to have in attendance three of their officers: Loretta Lanicek, Mary Hovorak, and Liz Zemanek, as well as members Lorraine Roesler, Jo Ann Zaeske, Fred Wenck, Adam Wenck, Irmie Goode, Anita Fickey, Frank Zemanek, Marcia Zemanek, Linda Holubec, and Mary Frances Zemanek, and some of their family members. After a prayer and the recitation of the Pledge of Allegiance, a catered dinner by Ricky’s Catering of Somerville was served. After dinner, Shawn Carney, Campaign Director of 40 Days for Life, gave an organization update, stating that since the first vigil was held in 1998 to close the Planned Parenthood Abortion Facility in Bryan, Texas, responses from many prayerful people have traveled far beyond the Brazos Valley to cities across America and internationally. The Facility in Bryan is now closed and has been purged, blessed, and purchased by Hope Pregnancy and 40 Days for Life to further their commitment to LIFE and to assist many women who need a place to turn in time of need and decision making. R. C. Slocum, former Coach of Texas A&M University, introduced the Speaker for the Event, Bobby Bowden. Bowden is former football coach at Florida State University. Having coached and mentored young men for seven decades, he is the coach with the most wins in NCAA Division I football history. Coach Bowden, now 85 years of age, has been an outspoken Christian and has written many books about the importance of faith. His faith, passion and humor were very inspirational for the 1,000 attendees supporting 40 Days for Life. According to Bobby Reynoso of Coalition for Life in Bryan, Coach 6 Bryan The Society collected canned goods for the St. Vincent de Paul pantry at Assumption Church in Houston at the February 1, 2015 meeting. Pictured are participants playing Bunco. 32 Houston Pictured (L to R) are Gracie Perrard, Kenneth Bollom, Louise Widacki and Henrietta Nevlud. the San Felipe-Frydek Fire De- The Universal Catholic Family Fraternal of Texas – K.J.Z.T. Prayer Day will be once a month on the first Sunday of each month. Please offer a prayer for all Catholic Family Fraternal of Texas – K.J.Z.T. members and each other’s intentions. March/April 2015 Page 13 Catholic Family Fraternal Journal Bowden was moved by the fact that 40 Days for Life started in Bryan and spread to 559 cities, including his home town of Tallahassee, Florida. He encouraged the crowd, saying, “Keep going – God is using the work you are doing…and you have responded to His call to save lives and it’s changing the world!” 101 Victoria Pictured are members (L to R): Lorraine Roesler, Linda Holubec, Loretta Lanicek, Mary Hovorak and Liz Zemanek. Pictured are guests serving themselves at the Lenten Meal. Pictured is the Evening’s Speaker, Coach Bobby Bowden. Pictured (L to R) are Wendy Hrncir, Carolyn Nevlud, Evelyn Dierlam, Rosie Olsovsky and Irene Brosch. The Society held their first quarterly meeting on March 8, 2015 at the St. Agnes Center. 111 Edna The Society held a Lenten Soup at St. Mary’s after the Stations of the Cross. They served creamy vegetable soup and pinto bean soup, fruit tray, devil eggs, pimiento and tuna sandwiches, corn bread, crackers, coffee and tea. The meal was enjoyed by all. The Society donated $500.00 for the TV Mass to Our Lady of Victory. The check was presented to Father Gary Janak. 101 Victoria Pictured is Treasurer Georgia Orsak enjoying a cup of coffee. Pictured (L to R) are Evelyn Dierlam, Father Gary Janak and Carolyn Nevlud. Pictured (L to R) are President Doris Andel and Secretary Barbara Durocher discussing K.J.Z.T. business. The Society held a very successful Community Fundraiser Project on Sunday, March 8th at the La Quinta Inn in Raymondville. The Society raised $1,212.00! This amount will be matched at 50% by the State Office. All of these proceeds will be given to a local seminarian, Jacob Quilantan, studying at Assumption Seminary in San Antonio. After a warm welcome from Vice-President Dena Salinas, Jacob gave the opening prayer. A children’s bingo was played and a special bingo was also played for an additional $5.00 to win gift baskets. Refreshments were served and there were door prizes. The Bingo ended with a closing prayer. 123 Raymondville Pictured top to bottom are attendees, the centerpieces and some of the day’s prizes. Catholic Family Fraternal Journal Page 14 Kitchen Corner Fiesta Guacamole Dip Submitted by Mary Beth (Motal) Byers, Society No. 101 Victoria 2 cans refried beans 1 pkg. taco seasoning mix 1 tbsp. lemon juice ½ tsp. seasoned salt Shredded Cheddar cheese Sliced green onions 1 (16 oz.) sour cream 3 ripe avocados, pitted and peeled ⅛ tsp. garlic salt Chopped tomatoes Sliced ripe olives In small bowl, combine sour cream and taco seasoning. Refrigerate while preparing other items. In small bowl, mash avocados and stir in lemon juice. On serving platter, spread refried beans out evenly. Spoon sour cream mixture evenly over refried beans and next spread on avocados. Cover, chill several hours. Just before serving, garnish with cheese, to- Hints & Tips Spices Store spices in a cool, dark place, not above your stove. Humidity, light and heat will cause herbs and spices to lose their flavor. Garlic Odor After working with garlic, rub your matoes, green onions and olives. Serve with chips. Refrigerate leftovers. “Kvasaky” Crock Pickles Submitted by Martha Sitka, Society No. 3 St. Mary’s ½ c. ice cream salt ½ c. vinegar 2 qt. water Cucumbers 2 cloves garlic 3 red hot peppers 3 shallots Dill Combine salt, vinegar and water; boil and cool. Peel medium size cucumbers and put into a gallon jar. Add garlic, red hot peppers, shallots and dill. Pour cooled brine over this and let set out on cabinet top until milky (about 3 days). Then put in the refrigerator. They are ready to eat. March/April 2015 Puff Pastry Chicken Bundles Submitted by Gracie Pyron, Society No. 49 Needville 1 beaten egg 1 can cream of mushroom soup 2 c. cooked macaroni 1 (17 ¼ oz.) pkg. frozen puff pastry sheets, thawed 1 (6 ½ oz.) container garlic and spice Alouette cheese 4 boneless, skinned chicken breast halves ¼ tsp. salt and pepper 1 egg, beaten 1 tbsp. water Place tuna in casserole dish with onion, celery, egg and soup; mix well. Cook macaroni in salted water and drain. Put macaroni over tuna in casserole dish and place Velveeta cheese strips over top of casserole. Tomato slices can be added over cheese strips. Bake in 350 degrees oven for 30 minutes. Unfold pastry sheets, roll each sheet to 12 x 10-inches. Cut into four (6 x 5-inch) rectangles; shape each into an oval by trimming off corners. Spread each oval with about 1 ½ tablespoons of cheese. Sprinkle chicken with salt and pepper and place in center of pastry oval. Fold pastry around chicken, completely enclosing. Moisten edge with water and press firmly to seal. Place seam side down on baking sheet. Use remaining pastry to decorate bundles, making twisted ropes or heart shapes. Combine egg and water, brush over bundles. Bake at 400 degrees for 25 minutes or until golden brown. Serves four. Garnish with curly endive. Aunt Lisbet’s Pralines Tuna-Macaroni Casserole Submitted by Bernice Herzik, Society No. 81 Schulenburg Submitted by Jane Hellinger, Society No. 93 Austin 1 pkg. (4 serving size) butterscotch pudding mix (regular, not instant) 1 c. granulated sugar 1 c. brown sugar 1 tbsp. butter or margarine 1 ½ c. broken pecans ½ c. evaporated milk Cook and stir all ingredients except pecans over low heat in a heavy 2-quart saucepan until sugar dissolves. Add pecans, cook and stir to a full boil, then lower heat and boil slowly 3 to 5 minutes, stirring often until soft ball stage. Remove from heat, beat by hand until candy begins to thicken. Drop by spoonful onto waxed paper. Set aside to cool and finish hardening. 1 can (9 ¼) oz. tuna ¼ c. chopped onion ¼ c. chopped celery hands vigorously on your stainless stop it from sticking to the pot or the Test it Out steel sink for 30 seconds before wash- other food. When making meatballs or meatloaf, ing them. It will remove the odor. you need to know how the mixture tastes before you cook it. Make a little Sandwich Time! Deep-Frying To make a great sandwich, spread the patty and fry it in a pan like a mini When you deep-fry, hold each piece mayonnaise from corner to corner on hamburger. Then you can taste it and of food with long tongs as you add it the bread. People rush this step and adjust the seasoning. to the oil. Hold it just below the oil’s just do a swoosh down the middle. surface for five seconds before releas- Every bite should be flavorful. Now ing it. This will seal the exterior and that’s a sandwich! Credit: www.foodnetwork.com March/April 2015 Page 15 Catholic Family Fraternal Journal Pope Francis’ Prayer Intentions Interest Rates effective March 1, 2013 Universal Life No Lapse Guarantee Flexible Premium Deferred Annuity $25,000 - $99,999 = 4.35% $100,000+ = 4.85% $2,000 - $9,999 = 2.95% $10,000 - $49,999 = 3.65% $50,000 or more = 3.90% (Rates for certificates issued before 10/01/2009) Universal Life Insurance Certificates Single Premium Deferred Annuity $50 - $750 = 3.50% $751 - $4,000 = 3.50% $4,001 or more = 4.00% (Rates for certificates issued after 03/1/2013) Single Premium Annuity & IRA Rates 4.15% Current (Rates for certificates issued before 03/1/2013) 3-Year Single Premium Deferred Annuity $10,000 - $49,999 = 2.00% $50,000 or more = 2.00% 5-Year Single Premium Deferred Annuity $10,000 - $49,999 = 2.10% $50,000 or more = 2.35% (Rates are guaranteed for 3 or 5 year surrender charge period) $10,000 - $49,999 = 3.65% $50,000 or more = 3.90% 3-Year Single Premium Deferred Annuity Flexible Annuity & IRA Rates June 2015 Immigrants and refugees. That immigrants and refugees may find welcome and respect in the countries to which they come. Vocations. That the personal encounter with Jesus may arouse in many young people the desire to offer their own lives in priesthood or consecrated life. (No Bands) 4.0% $10,000 - $49,999 = 1.50% $50,000 or more = 1.75% Security Plus 5-Year Single Premium Deferred Annuity The Minimum Rate Credited to IRA & Annuity Accounts is 3.5% Pursuant to Contract Terms. $10,000 - $49,999 = 1.75% $50,000 or more = 2.00% (Rates are guaranteed for 3 or 5 year surrender charge period) May 2015 Care for the suffering. That, rejecting the culture of indifference, we may care for our neighbors who suffer, especially the sick and the poor. Openness to mission. That Mary’s intercession may help Christians in secularized cultures be ready to proclaim Jesus. (No Bands) 4.25% Czech Heritage Tours Presents Our Fall 2015 European Tour! September 13 - 25, 2015 Please note interest rates may be changed without notice and will take effect on anniversary date. Germany, Czech Republic, Poland & Hungary Memorial Scholarship Fund • Czech Republic: Prague, Roznov, Frenstat & Moravia • Germany: Nuremberg • Poland: Krakow, Czestochowa, Auschwitz • Hungary: Budapest Sincere thanks to all donors who contribute to the education of our young members through the Memorial Scholarship Fund. (This is an ongoing fund.) To donate, simply fill out the form below and send it in to the State Office with your donation. An acknowledgement card will be sent to the name and address of the family submitted on the form. CATHOLIC FAMILY FRATERNAL OF TEXAS-K.J.Z.T. MEMORIAL SCHOLARSHIP FUND In memory of: Given by: Address: Acknowledgement to be sent to: Name: Address: Any amount accepted: $ Please complete and mail to: Catholic Family Fraternal of Texas P.O. Box 18896 Austin, Texas 78760 (Genealogical research & side excursions are available) **Limited availability on June 2015 summer tour** For more information, please visit www.czechheritagetours.com Contact Steavy Jakubik or Renee Valek: [email protected], 972.878.2929 DANCE SPONSORED BY THE CZECH HERITAGE SOCIETY OF SOUTH TEXAS SATURDAY, MAY 2, 2015 4:00 pm. - 8:00 p.m. MUSIC BY CHRIS RYBAK MORAVIAN HALL 5601 KOSTORYZ ROAD CORPUS CHRISTI, TX Admission: $7.00 Page 16 Catholic Family Fraternal Journal Junior News Juniors had their installation of ofJuniors made donations to the 85 Damon ficers before their January 11th Souper Bowl of Caring. Items meeting at St. Mary’s Parish Center. The new Junior collected went to the Needville Food Bank. Director, Sherri Zacharias, installed the following as officers for the year 2015: President Nathan (Tiger) Chupik; Vice-President Coleman Wolf, Secretary Mikayla Kaluza; Treasurer Nicolas Hovde and Reporter Cameron Wolf. 11 West March/April 2015 The Juniors participated in the ProLife Eucharistic Procession held on January 18th. They, along with other local organizations and parishioners, prayed the rosary as they walked from Welhausen’s Park to SS Cyril & Methodius Church. At church, they had benediction and presented roses to Mary for the unborn. 5 Shiner Pictured (L to R in front) are Patsy Maroul, Caylie Sebesta, Caroline Jetton, Claire Jetton, Abby Barton, Taryn Fojtik, and Trevor Fojtik. Pictured (L to R in back) are Tyler Prihoda, Joe Pavlicek, Linda Pavlicek and Carol Buchta. The Juniors met in January to elect and induct new officers Pictured (L to R) are Junior Director Sherri Zacharias, Cameron for 2015. They also colored crosses to give to nursWolf, Nicholas Hovde, Mikayla Kaluza, Coleman Wolf, Tiger Chuing home residents. pik and outgoing President, Eric Kostecka. Juniors helped at the Czech Heri85 Damon tage Society’s meal held in Needville. They helped with the raffle and carried plates for the elderly. 104 Abbott Pictured (L to R in front) are Kade Leist, Trinity Garza, Seryna Garza and Eudosio Garza IV. Pictured (L to R in back) are Denise Leist (Junior Director), Hope Kapavik, Noah Leist, Katarina Leist and Brian Leist (Asst. Junior Director). Using People Helping People matching funds from the State Office, the Juniors were able to purchase three televisions with DVD players for the CCD program at the Immaculate Heart of Mary parish. 104 Abbott Pictured are the new officers (L to R in front) Mallory Ballew-Vice President and Madison Murphy-Reporter. Pictured (L to R in back) are Katelyn Pustejovksy-Treasurer, Payton PustejovskyPresident and Lauren Gerik-Secretary. The Juniors met on February 8, 2015. making a calendar of events for the year, the juniors made treat bags for K.J.Z.T. The Juniors met in early January and members in 3 local nursing homes. The adult members provided items for the bags and the juniors elected the 2015 officers. formed teams to deliver them after the meeting. Pictured are Lindsay Morris and Cameron Pavlicek with Mr. Clarence Meyer. All are members of the Czech Heritage Society of Fort Bend County. 5 Shiner Pictured (L to R in front) are Krystin Hodges, Eudosio Garza IV and Katarina Leist. Pictured (L to R in back) are Juliette Siegel and Noah Leist. 16 Ennis After Members making the presentation were (L to R in front) Madison Murphy, Will Gerik, Paxton Pustejovsky, Ally Hanaway, Keaton Pustejovsky, Mariann Pustejovsky, Katie Hanaway and Kyle Gerik. Pictured (L to R in back) are Mallory Ballew, Payton Pustejovsky, Lauren Gerik, Katelyn Pustejovsky, Lydia Pustejovsky, Carly Pustejovsky, Allison Murphy and Director of Religious Education Traci Pustejovsky. Guardian Angel Camp will be June 25 – June 29, 2015, in Ledbetter, Texas. Pictured (L to R in back) are Hannah Kriska, Katelyn Smith, Brendan Ruffin, Hunter Ruffin, and in front, Jake Ruffin. More information on page 17. March/April 2015 Page 17 Catholic Family Fraternal Journal 2014 Junior Division State Craft and Scrapbook Winners By Anne Wick, State Co-Ordinator of Jr. Activities Spring means warmer temperatures and its time to get out and discover all the events that are going on now and during the rest of the year. ATTEND ---- The District Meetings and Socials already have begun, so take time to ATTEND your District Meeting and Social. The Juniors are encouraged to participate in the Junior Program and are asked to display their Patriotic photo. 1. 2. 3. 4. 5. Group A Ellen Samford - Society No. 42 Sealy Stephaniah Phillips - Society No. 22 Wallis Braedyn Roach - Society No. 118 Taft Kayson Roach - Society No. 118 Taft Owen Kaminski - Society No. 49 Needville EXPERIENCE ---- EXPERIENCE spiritual, traditional, and fun activities at Camp Guardian Angel. The camp will begin on Thursday, June 25th and end on Sunday, June 29th. It will be held at Cooper Farm in Ledbetter, Texas. The cost Group 1 of camp is $157.00 and is open to Junior members ages 7 thru 18 (High School). 1. Sally Machacek It is an excellent opportunity to learn about our Catholic Faith, Czech Heritage, - Society No. 14 Moulton Fellowship and make a lot of friends along the way. 2. 3. 4. FUN --- Two Family Fundays are scheduled for this year for all the Juniors and 5. their families. One will be held at Splash Way Waterpark in Sheridan, Texas, PLAN ---- The Junior Division Day and Awards Ceremony will be held this year at the Immaculate Heart of Mary Parish, in Abbott, Texas, on July 25, 2015. Registration will begin at 9:00 a.m., followed by Holy Mass (Spiritual Activity) presentation of awards, and a meal. Please PLAN to attend and support the Junior members who participated in the Point and Merit System throughout the year. on Saturday, June 13th, 2015 and one will be held at Hawaiian Falls in Waco, Texas on Sunday, July 19, 2015. Join in the FUN. Hoping you have a Blessed Easter Season and looking forward to seeing you at 1. the upcoming events. 2. 3. 4. 5. Caylie Sebesta - Society No. 85 Damon Julia Machacek - Society No. 14 Moulton Paxton Pustejovsky - Society No. 104 Abbott Will Gerik - Society No. 104 Abott Group 2 Molli Pustejovsky - Society No. 104 Abbott Clayton Pavlicek - Society No. 85 Damon Connor Brorsen - Society No. 22 Wallis Kade Leist - Society No. 5 Shiner Marisa Lander-Kapavik - Society No. 11 West 1. 2. 3. 4. 5. 1. 2. 3. 4. 5. 1. 2. 3. Group 3 Kasi Schneider - Society No. 85 Damon Bethany Kallus - Society No. 23 Hostyn Lauren Gerik - Society No. 104 Abbott Anna Adamek - Society No. 14 Moulton Katy Harman - Society No. 23 Hostyn Group 4 Nicolette Siegel - Society No. 5 Shiner Tiger Chupik - Society No. 11 West Payton Pustejovsky - Society No. 104 Abbott Lindsay Morris - Society No. 85 Damon Molly Brown - Society No. 126 Palacios Scrapbooks Society No. 104 Abbott Society No. 85 Damon Society No. 23 Hostyn Page 18 Catholic Family Fraternal Journal March/April 2015 Saturday, June 13, 2015 Bring the family and come enjoy a day outdoors at Splashway Waterpark and Campgrounds! This summer is going to be one of the best yet! Splashway is proud to introduce to you our giant 30,000 square foot wave pool. This pool will be an experience of a lifetime for all ages. Your discounted tickets are only $18.99 (plus tax) per person over 42” tall and $15.99 (plus tax) per person under 42“ tall. That’s $9 off Splashway’s general admission rate! Tickets for children under 36” tall are $5.99 (plus tax). Splashway tickets are available for purchase online or at the gate. KJZT will provide a meal band to each member at no cost to you! Meal bands are a great option because they are simple to use! Meal band food options are chicken strips, chicken nuggets, or pizza. All options include chips and a drink. www.SplashwayWaterpark.com/KJZT This link will expire on June 13, 2015, and all tickets purchased will only be valid on June 13, 2015. w w w.SplashwayWaterpark.com March/April 2015 Catholic Family Fraternal Journal K.J.Z.T. Family Funday - Waco Sunday, July 19, 2015 A hot dog lunch will be served at the Hawaiian Falls Pavilion at Noon. The park opens at 11 a.m. Tickets are $15 for adults and children over the age of 2. Children under 2 are free. A pre-purchased ticket includes admission to the park, a hot dog lunch, cookie, chips and a soft drink. For your convenience, Mass will be held at 9:30 a.m. at St. Louis Catholic Church, 2001 N. 25th St. in Waco. Attendance is optional. Please R.S.V.P. to the K.J.Z.T. Home Office at (888) 253-2338 by July 10th. When calling, please indicate whether or not you need lunch only ie., you already have season passes. Tickets are cash or check only. Please make checks payable to: Catholic Family Fraternal of Texas - K.J.Z.T. For more information about the park, visit hfalls.com/waco Hawaiian Falls - Waco, 900 Lake Shore Drive, Waco, TX 76708 Page 19 Catholic Family Fraternal Journal Page 20 D March/April 2015 Other News istrict III and District VIII held a joint Officers Meeting on February 7, 2015 at Immaculate Conception Center in Sealy. Many topics were covered and fellowship was enjoyed. M ember Stephaniah Jessie Phillips of Society No. 22 Wallis was recently baptized at Guardian Angel Catholic Church in Wallis, Texas. Saint’s relic with miraculous tendencies does it again for Pope Francis by Alvaro de Juana, EWTN News/CNA, Rome, Italy, March 21, 2015 While Pope Francis was giving some advice to the religious, priests and seminarians of Naples on Saturday, a miracle occurred: a vial of dried blood from a fourth century saint liquefied. This stunning but locally known and accepted phenomenon is said to happen three times a year: May 1, Sept. 19, which is the saint’s feast day, and Dec. 16. The last time this occured with a Pope was in 1848 with Pius IX. It didn’t happen when St. John Paul II visited the city in October of 1979, or when Benedict XVI went in October of 2007. The blood belongs to St. Januarius, Patron of Naples and former bishop and martyr of the city, whose bones are also preserved in the cathedral. He’s believed to have been martyred during the infamous persecution of Christians during the rule of the Roman emperor Diocletian, who retired in 305. On March 21, at the end of the meeting with priests, religious and seminarians in the cathedral of Naples, the Pope gave a blessing with the relic. When received by the cardinal of the diocese, Crescenzio Sepe, the blood was still solid on one side of the vial. When Pope Francis returned the reliquary, the cardinal told him: “It seems that St. Januarius loves the Pope, because the blood is already half liquefied.” For the miracle to occur, it’s necessary to wait several minutes before the dried, red-colored mass confined to one side of the reliquary becomes blood that covers the entire glass. Francis quipped in response: “you can see that the saint only loves us a little. We have to convert more,” drawing laughter from those within earshot. March/April 2015 CATHOLIC FAMILY NEW MEMBERS Page 21 Catholic Family Fraternal Journal Jack C. Davis is a new member of Society No. 16 Ennis. He is the son of Joshua and Natalie Davis of Rockwall. Jack’s grandparents are Tim and Ginger Bush, Joey and Karen Glaspy of Ennis and JC and Karon Davis of Rockwall. His great-grandparents are Edward and Adail Parma and Joan Glaspy of Ennis and Mary Nell Witt of Palmer and Jean Tinney of Quitman. Evyn M. Regian is a new member of Society No. 117 Waco. He is the son of Michael and Amanda Regian. Evyn has an older brother, Adyn, and an angel brother in Heaven, Easton. He is the grandson of Dwight and Barbara Wiedman and John Regian of Waco and the late Delores Regian of Waco. Jerimy J. Miller is a new member of Society No. 83 Flatonia. He is the son of Christopher and Elizabeth Miller. Jerimy is the grandson of Richard and Evelyn Miller and Paul and Maria Olmos. Listing of Newly Enrolled Members and Associates with Insurance (The following have given permission in accordance with regulations to have their names published in the Catholic Family Fraternal Journal. None are published Ellie Brianne Clark Jack C. Davis Jerimy J. Miller Evyn M. Regian Ellie Brianne Clark is a new member of Society No. 16 Ennis. She is the daughter of Beth and Brian Clark. Ellie’s sisters are Katherine and Molly. Her grandparents are Tommy and Anita Clark and Kenny and Deanna Smith. Page 22 Catholic Family Fraternal Journal Junior Activities March/April 2015 March/April 2015 Page 23 Catholic Family Fraternal Journal "In Memoriam" SOCIETY NAME DATE OF DEATH Prayers are requested for the repose of the souls of our members who have gone to their eternal rest. AGE 2HALLETTSVILLE VIOLA (KUBENKA) STRAUSS2/28/201594 4PRAHAGERALDINE (MENDEL) JASEK1/2/201566 5SHINERBARBARA (JALUFKA) JANAK12/15/201476 10 FAYETTEVILLELILLIAN (KLIMEK) SKLAR12/26/201491 11 WESTVIRGINIA KUTSCHEROUSKY1/17/201568 11 WESTALBINA (BILEK) BILLIE1/4/201596 11 WESTMARY HAMMOND10/3/201485 14 MOULTONANGELINE (KOZELSKY) KEOUGHAN12/15/201488 15 CORN HILLJACKIE (GREEN) PECHACEK12/23/201484 16 ENNISDOROTHY (KRAJCA) TOUPAL2/26/201579 16 ENNISHELEN (DOLEZALIK) ZMOLEK1/21/201589 18 GRANGERAGNES (MICHALEK) STOJANIK9/12/201491 19 TAYLORMARY (VANEK) JOHN1/19/201596 22 WALLISEVELYN (REPKA) GRIFFIN1/27/201589 24 AMMANNSVILLE GRACE (STAVINOHA) GREENSHIELD12/23/201485 29 FRYDEKWILLIE (MLCAK) JEZ10/21/201491 30 EAST BERNARDGEORGIA (SEVCIK) WICKE10/13/201498 31 LA GRANGEEVELYN (EVANICKY) SEVCIK1/28/201584 32 MAREKFRANCES (HANEL) MAREK12/8/201487 32 HOUSTONJUSTINE (CINADR) JANAK10/31/201494 32 HOUSTONMARGARET (VINKLAREK) GERLICH11/11/201490 38 SAN ANTONIOMARGARET (CHRISTEN) KELLER9/20/201479 40 POTHHENRIETTA (SCHWERTLICH) GILLES1/2/201589 42 SEALY EMIL REZNICEK9/13/201482 46 CORPUS CHRISTI VERONICA KLEFFNER2/13/201568 46 CORPUS CHRISTI VIRGINIA (GANEM) SAHADI3/7/201093 49 NEEDVILLEJOSEPHINE (ANDEL) WETZ12/13/201493 65 HOLMANRITA (TUMIS) MAZOCH1/12/201588 66 WEIMARBARBARA (HUFFMEYER) WATSON11/29/201480 75 JOURDANTONLILLIAN (JASIK) RAKOWITZ7/11/201391 81 SCHULENBURGMARY (BUJNOCH) KRISCHKE12/26/201490 81 SCHULENBURGGLORIA (MAROUL) JOCHEN1/2/201587 85 DAMON HELEN (BIGON) MIKESKA1/1/201584 91 GALVESTONANITA SARAGOSA1/6/201595 99 BAYTOWNANTONIA (VESELKA) HOFFMAN12/30/201495 108 DALLASEMIL CHMELAR12/11/201484 108 DALLASLILLIAN (JEZEK) CASSIDY12/10/201497 108 DALLASANN (MANAK) MELIN2/6/201585 108 DALLASJANIE (DLABAJ) NEMIC1/2/201592 108 DALLASHELEN (VINKLAREK) KUBACEK1/5/201594 108 DALLASJANIE (MECHEL) SKOTAK12/8/201496 116 SAN ANTONIOEMILY (VALENTA) HAVELKA12/29/201492 123 RAYMONDVILLE MILDRED (KAJS) KASPER2/6/201592 124 TEXAS CITY GERTRUDE (SKRIPKA) CASTONGUAY 11/20/2014 91 125 HOUSTONIRENE (KLOSS) KASPER2/3/201591 140 BASTROPSHIRLEY (KUEHN) WILHELM1/25/201577 998 STATE OFFICE DOLORES (DE LA ROSA) REYES 11/25/2014 72 Tracie Marie Smajstrla November 23, 1929 - March 8, 2015 Tracie Marie Smajstrla, 85, passed away peacefully on March 8, 2015, in Houston, Texas. She was born to Frank and Rosie Kallus on November 23, 1929, in Abbott. She was preceded in death by both parents and 3 brothers, Raymond, Albin, and John Kallus. Tracie is survived by her loving husband of 66 years, Edward H. Smajstrla; daughter, Monica Greene and husband Richard; grandchildren, Christina Greene and Jonathan Greene and his wife Leslie Greene and great-grandchild, Charlotte Greene, and many other loving family members and friends. Tracie was a loving and caring wife, mother and grandmother, she will be missed by everyone that knew her. She had a variety of interests, which included Polka dancing, sewing, and traveling the world. She was a member of the Red and White Polka Club, The American Legion’s Women’s Auxiliary, K.J.Z.T. Society No. 11 West, SPJST Fraternal Order and a member of St. John Vianney Catholic Church. Tracie semi-retired in 1989, from her 37 years of being in retail, notably as a buyer with their Ben Franklin Variety Stores and grocery and fabric stores. She was very devoted to her family and spent most of her time in retirement enjoying her family and grandchildren. Donations may be made to the Alzheimer’s Association or St. John Vianney Catholic Church-Mass intentions. The State Directors and State Officers of the Catholic Family Fraternal of Texas K.J.Z.T. offer their deepest sympathy to the bereaved families of our departed members. THE MAGNIFICAT CANTICLE OF MARY My soul proclaims the greatness of the Lord, my spirit rejoices in God my Savior, for he has looked with favor on his lowly servant. From this day all generations will call me blessed: the Almighty has done great things for me, and holy is his Name. He has mercy on those who fear Him in every generation. He has shown the strength of His arm, He has scattered the proud in their conceit. He has cast down the mighty from their thrones, and has lifted up the lowly. He has filled the hungry with good things, and the rich He has sent away empty. He has come to the help of His servant Israel for He has remembered his promise of mercy, the promise He made to our fathers, to Abraham and his children for ever. Amen. EACH DECEASED MEMBER, SOCIAL MEMBER OR ASSOCIATE WITH INSURANCE named in our "In Memoriam" column is remembered by the Catholic Family Fraternal of Texas with an Annual Enrollment in the K.J.Z.T. Clerical Endowment Fund. Thinking about insuring your little ones? We can help with easy and affordable options It’s tradition! Providing K.J.Z.T. Life Insurance for each new grandchild is a great way to give your grandchildren a head start in life. For only a few hundred dollars, your new grandbaby would be eli‐ gible to participate in Junior Society Activities, where they will make new friends and work togeth‐ er in the church and community. When the child turns 6, he/she can attend Camp Guardian Angel Summer Camp, and at 18, they can apply to receive college scholarships. We are excited to announce that the K.J.Z.T. $5,000 Single Premium Whole Life Plan is back! This means that a new baby girl can get $5,000 Perma‐ nent Coverage guaranteed to age 100 for a Single Premium for as low as $347.05! $5,000 coverage for a bouncing baby boy is only slightly higher, $393.85! It is not just for the kids. Coverage is available all the way to age 85. And for the seniors 65 and over, from Catholic Family Fraternal—K.J.Z.T. you may wish to consider he Single Premium Whole And He Departed from our sight that we might return to our heart, and there Life as an alternative to bank CD’s! nd Him. For He departed, and behold, He is here. ~Saint Augustine Happy Easter Contact Us for more info or for an agent near you: Catholic Family Fraternal, K.J.Z.T. Jim Wiest, FIC, CFFM Sales & Marketing Manager [email protected] FIND US: www.kjzt.org Catholic Family Fraternal‐KJZT @CathFamTX CFFT‐KJZT
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