Verhovayak Lapja, 1937. július-december (20. évfolyam, 27-53. szám)

1937-12-30 / 53. szám

December 30, 1937, PAGE 19 OUR ACTUARY’S COLUMN IDEAL GIFTS FOR OUR BOYS Our Legal Holidays seem to be scattered throughout the whole year, and each month appears to have its distinctive festive season. In this issue we shall dis­cuss the Good Resolutions we should adopt (and keep) on New Year’s Day. In February we celebrate the birthdays of our two great­­e s t American presidents. During the months of March or April, the Easter season turns our minds towards Godly and religious matters. Here in Pennsylvania, we celebrate Founders’ Day on the 8th of April, and we con­sider the hardships endured and the great success achiev­ed by our early settlers, who certainly learned the true meaning of a real depres­sion. During the month of May, we go to our cemeter­ies and decorate the graves of our loved ones to be ready for our Memorial Dáy exer­cises. Many states celebrate Flag Day in June and on the 4th of July, we have our Na­tional Independence Day. September has Labor Day, Columbus Day comes in Oc­tober and during November, we have Armistice and Thanksgiving Days. The greatest holiday of the whole year is Christmas Day and loving parents have bestowed many gifts upon their children on the 25th of this month of De­cember. Throughout the whole world, people of all creeds and nationalities were prepared to celebrate this most glorious day. The (Cont’d from proceeding page) could go. (Lucky peepul!) * * * * Mrs. Jack Bores won the first prize last year — a raf­fle on Verhovay Day — and she expects to win the prize again this year — a trip to a European capital or $400 in cash. The prize will be giv­en away Sunday, January 23 at the Verhovay Home. She can’t do that to me —• I’m going to win. I’ve always wanted to go to Vienna in the spring — ah, romance! * * * A New Deal has been de­clared by the new officers of Branch 429. We are going in for plenty of sports, dances, parties etc. We will not be left behind by no Branch 366 or any other branch. It will be the best club in Dearborn to belong to when we get through. Well, I’m with you. In 1938, watch for, small children received all kinds of toys to amuse and entertain them. As they become too big for the or­dinary toy or game, books or some kind of a wearing ap­parel are selected. The greatest worry and concern connected with our Christ­mas season was to choose the most suitable gift for the adolescent boy or girl. What did he want? What would she most enjoy? How proud and happy the father was when on this Holy Day he presented his child with a Christmas Gift w'orth as much as from $250 to $1,000 without spoiling the child. What better or more suit­able Chistmas gift could be chosen than a Verhovay Membership Certificate? While it does not require an immediate outlay of a large sum of money, it offers the loving parent a most won­derful opportunity to teach the child the most important and valuable lesson of thrift and economy. Consider for a few moments how much better off you yourself would be today, if, while you were still a mere lad, your father had drilled into your little and fertile mind, that the saving of a very few cents each day will eventually create an estate of Hundreds and even Thousands of Dol­lars. Would you not have been most proud, if your father had called you aside at the age of ten years or younger, and explained that he was presenting you with an in­surance policy or certificate and that at the age of 16 you would secure full control of the same? The father agrees to keep up the payments of the cer­tificate dues until the child can conveniently take care of the same. Perhaps you yourself are too old or too unhealthy to obtain life in­surance at any price. At any rate the dues on the child’s certificate are very much less than what your insurance rate would be. In our previous articles we have many times explained that LIFE INSURANCE PRE­MIUMS OR DUES ARE ACTUALLY INVESTED AND BY NO MEANS SPENT OR WASTED. Here are a few of the many points you might explain to the child. 1. — Verhovay must even­tually pay full amount of claims on all membership certificates on which dues have been regularly paid to the end. 2. — Verhovay Insurance is furnished at the actual cost of the same. The Fourth Lop Well, well, well, Old 1937 Father Time is passing away and our Young 1938 Cupid is now appearing upon the scene! The duration of our Membership Campaign has been extended for the senior contestants. Ninety days have already passed and there still remain only five more months before our campaign closes. Every contestant should realize that this is the proper time to hustle along and try to steal a march on the other fellow. Each / V erhovay member may be likened to the cocoa­­nut tree that stood in a grove with a million other trees. While each tree earned only a single dollar each year, the whole grove produced an­nually a profit of one million dollars. Three months have already passed into history. Our membership contest continues for only five more months. Did you forget our Parrot Story? A few years ago our New York baseball fans began to shout to their favorite player: “Push ‘em up, Tony!” 3. — After the first month­ly payment of dues has been made, your estate is always worth as much as the amount of your insurance. 4. — Verhovay not only in­sures your life but she also agrees to make you certain payments or loans while you are still alive and may need this Cash or Loan Value. You should never accept this Option until it is absolutely necessary to do so. 5. —- Life Insurance is one of the very safest ways in which a person may invest his savings from time to time. 6. — Life Insurance is a very much better invest­ment than Real Estate be­cause you don’t have to worry about the payment of Taxes, collection of Rents, finding of Tenants, making of Repairs and you can al­ways take your life insur­ance policy or certificate with you as you move from one place to another. 7. — Never permit anyone to inveigle you into drop­ping your Level Premium Insurance for the antiquated Step Rate Plan. Reliable Fraternals were compelled to give up this idea many years ago, 8. —- There is no such thing as Cheap Insurance. No matter what the plan may be, you positively must pay for any and all insurance you may obtain. 9. — By all means beware of a certain fast growing or­der which appeals in particu­lar to our Negroes and For­eign Speaking People. They are now charging a most ri­diculous low rate for the younger ages, and the rate of dues increases each and every year that you may be­long. 10. — For every $1.00 you pay to the Death Benefit Fund at the age of 20, you will be paying $2.00 at the age of 48, $4.00 at the age of 59, $8.00 at the age of 67, $16.00 at the age of 75 and if you should live to reach the ripe old age of 80, your payment to the Death Bene­fit Fund that }rear will be more than 27 times as much as you were asked to pay when you joined at the age of 20. ’ 11. — Just consider how very foolish this Step Rate Plan is. Your Death Bene­fit Fund Rate of Dues will have increased to more than 27 times during the 60 years you have been a member of the Order. If anyone tries to tell you that your dues will no longer increase after you reach the age of 65, you may be sure that either he does not know the actual truth, or else he is trying to deceive you with his abso­lutely false statements. 12. — There is no more clanger of Verhovay’s clues being raised than there is that our Old Line Life In­surance Companies will fail to meet their obligations. S. Horner Wood-------o------­WOULD LIMIT DEFENSES The Illinois senate has passed amendments to the acts governing accident and casualty and life policies pro­viding that no policy shall contain a provision exempt­ing the insurer from liability if the assured dies or re­ceives fatal injuries while committing an illegal act un­less the exemption applies only to cases where the il­legal act directly causes or directly contributes to the death or fatal injury. DILLY-DALLY WITH THE THIRTY-SIXER The bowling team of 36 has given up all hope. It seems that no other team dares to accept the challenge. . . .Gee Whiz . . . Branch 36 had already decided where they would place the trophy in the club room . . . The Verhovay Home in Detroit has moved to new quarters and as yet no room has been assigned to our boys ... I think its going to be a cold winter? . . . Why doesn’t someone from Port Huron write articles for the boys? . . . Why doesn’t Mr. R. J. Phillips of 356 resume his column? His “Yerhovay­­ettes” article was very popu­lar some time ago . . . Here’s hoping that the plans for a Verhovay Day celebration in Cleveland can be realized. At least a dozen boys from 36 had said they would like to be there . . . Flash . . , Latest bulletin from the front brings us the news that all incumbent officers of branch 36 has been defeated in the December election . . . Con­gratulations and the best of luck for a successful year .., Question . , . if the members of 429 still insist on giving a party for 36, I relent and give my wholehearted con­sent . . . Biggest laugh of the year . . . You gotta have a club card. No card, no beer . . . Girl’s Club of Dear­born attended a dance giv­en by Branch 36 . . . And did they receive attention? , , . We wish to extend season’s greetings to all . . . why don’t visitors to Detroit noti­fy us. Let us show you the town. Detroit and its Ver­hovay group is still tops and you will find much to inter­est you here ... So until the next time I’ll say, “So long everybody” — GO AHEAD and stub­bornly refuse to add our double indemnity clause to your certificate. Tell your family that you want to save the 25£ monthly and don’t care if they lose the additional $1,000 for your accidental death. yjivyjiv yjti./jtv /jivviv j&k /jjv /jty sikjp./ji.ka McKeesport Branch No. 395 WISHES Each and Every Member OF THE Verhovay Fraternal Insurance Ass’n. A Very Happy and Prosperous New Year The “Ferret”

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