William Penn Life, 1996 (31. évfolyam, 1-12. szám)

1996-02-01 / 2. szám

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Page 2, William Penn Life, February Í996

William Penn

LIFE

Official Publication of the William Penn Association Published Monthly Office of Publication:

709 Brighton Road Pittsburgh, PA 15233 Phone: 412/231-2979 Third Class U.S. Postage Paid Pittsburgh, PA Permit No. 2724

Frances A. Furedy Editor-in-Chief

George S. Charles, Jr. Associate Editor

John E. Lovász Managing Editor

NATIONAL OFFICERS Frances A. Furedy Acting National President National V.P./Treasurer

George S. Charles, Jr. National V.P./Secretary

BOARD OF DIRECTORS

Michael J. Hrabar Chairman

Roger G. Nagy Vice Chairman

Elmer A. Furedy Vice Chairman Anthony C. Beke Louis A. Fodor Barbara A. House Michael R. Kara Andrew W. McNelis George F. Mirkovich Michael F. Tomcsak Elmer W. Toth Frank J. Wukovits, Jr.

Frank J. Radvany Secretary of the Board

AUDITING COMMITTEE

Charles J. Furedy Chairman

Margaret H. Boso Secretary

Dennis A. Chobody Joseph Hamari Robert A. Ivancso Ernest J. Mozer, Sr.

CONSULTANTS

Bruce &c Bruce Company Actuary

Horovitz, Rudoy & Roteman C.P.A.

Rothman Gordon Foreman &. Groudine, P.C.

General Counsel

Dr. Julius Kesseru Medical Director

Unsolicited articles, letters, manuscripts, pictures and other material submitted to the WILLIAM PENN LIFE are forwarded at the owner's risk, and the WILLIAM PENN LIFE expressly denies any responsibility for their safekeeping or return. The WILLIAM PENN LIFE reserves the right to edit, revise or reject any article submitted for publication.

Postmaster: If undelivered, please send form 3579 to: William Penn Association 709 Brighton Road Pittsburgh, PA 15233

Bowlers prepare for WPA tourney

PITTSBURGH — The 53rd Annual Bowling Tournament and Scholarship Days—and your chance to win $10,000—are only three months away.

Three months may seem like a long time, but as the old saying goes, time flies. If your branch has yet to put together a team, then start doing so now. You won’t want to miss out on all the fun and excitement of this year’s tournament.

The tournament will be held May 24 to 26 in Pittsburgh, the home of our Home Office. Bowlers and other tournament guests will be staying at the Hyatt Regency Pittsburgh, located in Chatham Center in the uptown section of the city.

All bowling events will once again take place at Princess Lanes, one of the area’s finest bowling facilities and the site of five previous tournaments.

Much of the bowlers’ and fans’ attention will be focused on the team event during which all eligible contestants will have the chance to win $ 10,000. The prize will be awarded to the member who bowls a perfect 300 game during this event.

To be eligible to win this prize, a bowler must be a life-benefit

member of the William Penn Association by April 1, 1996, with at least one year’s premium paid.

This will be the eighth year for the 300-game contest, but, to date, no one has claimed the prize. Tournament organizers would like nothing better than to award $10,000 to some lucky member.

If you would like a chance to be that lucky someone, then contact your branch officers and get on a team. If you can’t find a team but would still like to bowl in this event, contact the Home Office and we will try our best to put you on a team.

The team event and $10,000 prize are just two parts of a full schedule of events planned for the weekend.

The weekend will officially begin Friday, May 24, with the annual meeting of the William Penn Fraternal Association Scholarship Foundation, Inc., at the hotel.

After the meeting, a reception for all bowlers and guests will be held in the hotel, featuring plenty of free food and refreshments.

The bowling events will begin with Saturday’s five-man and five-woman team competition and continue Sunday with the doubles and singles events. Free

bus transportation between the hotel and bowling lanes will be available.

The Scholarship Dinner-Dance will be held Saturday evening. There will be a pre-dinner social hour, door prizes, live music and dancing. Final arrangements for the dinner-dance will be announced soon.

Entry forms are being mailed to Association branches. We encourage all William Penn members to join us for this fun-filled fraternal weekend. Even if you don’t win $ 10,000, you will leave the tournament with priceless memories and new friendships.

See you in Pittsburgh May 24!

'Hungarian Varieties’ to move in spring

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"Hungarian Varieties Radio Hour,” hosted by Branch 226 member Dr. Victor Molnár, will be switching to a new day and time this spring.

Beginning in April, the 57- minute show will be broadcast on Saturdays from 6:03 to 7:00 p.m. on station WEDO-AM (810) McKeesport.

Until then, it may be heard from 12:03 to 1:00 p.m. every

Friday on WEDO.

Late last year, the program was moved from its previous Saturday evening time slot when WEDO switched to a sunrise-tosunset broadcasting schedule.

To ease regular listeners back into the Saturday time slot, Dr. Molnár will be hosting two Hungarian programs each weekend during March, both on WEDO: the current show on Fridays after

the noon news; and a 30-minute show on Saturdays at 6:00 p.m.

In April, and continuing until November, the Saturday show will expand to an hour and the Friday show will be dropped.

The "Hungarian Varieties Radio Hour” is the only Hungarian program serving southwestern Pennsylvania, and can be heard within a 100-mile radius of Pittsburgh.

Even lawyers have problems

By Emil W. Herman, Esq., General Counsel

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This month’s article was precipitated (pun intended) by the "Blizzard of ’96” and a problem suffered by my associate, Bernadette L. Puzzuole, Esq. In addition to giving her an excuse to use her new snowblower several times more than she wished, the blizzard caused a wading pool to form in her bedroom, draining directly into the kitchen below. Freezing rain, repeated heavy snows and continuous below freezing temperatures conspired to cause her gutters to clog, and melting snow and ice to seek an alternate means of escape through some loose siding.

The weekend was spent moving furniture, soaking up the wet rug with anything absorbent, and collecting drips and plaster in the kitchen. The rug needs to be cleaned, if not replaced; floor board below it may be rotted; plastering and painting are necessary in some areas; furniture sitting on the wet rug for several hours is warped and damaged; and the source of the original leak must still be discovered and repaired. While Bernie can continue to blame Mother Nature, Bernie and her insurance will have to pay for the costs associated with all of this. Hopefully, it is the insurance.

Hearing this problem made me wonder how many of you are prepared to make an insurance claim for property damage. Hopefully this will help you if you suffer problems similar to Bemie’s.

First, take some time to gather together your insurance information, before you or a family member needs to make a claim. This means life, homeowners, health care, disability and auto insurance policies and any other policies you may have on yourself, your family members or your property. Make a list of every type of insurance you have and every policy within each type.

Do not overlook "freebie” policies. Many banks in recent years have provided, free of charge, a minimal amount of life insurance on the life of the account holder, as a hook to encourage you to purchase more insurance. Some credit card companies provide "balance payoff” policies upon the death of the cardholder, at no or a small charge. Some clubs, including the American Automobile Association, include free accidental death insurance as a membership benefit. Even if you did not pay for these policies, there is no reason you or your heirs should not benefit from them at your death.

When you have made your initial list, determine the following information for each policy:

1. Type of insurance;

2. Insurer;

3. Agent who sold insurance to you;

4. Premium (amount and frequency of payment, e.g., $20 per month), address to which payment is made and proof that policy is current;

5. Claims procedure—number to call or person to contact;

6. Types of coverage—for example, your homeowners may include both property damage and liability coverage and your auto insurance may provide collision, property damage, personal injury, etc.; and

7. Location of policy.

Having all of this information together when you or a family member needs to make a claim will make that process much easier, and will assure that no policy against which a claim can be made is overlooked.

Take time to read the policies now and determine what proof will be necessary to make a claim in the future. To the extent you can gather that information now, do so, and store it with the insurance policies. For example, if you will need to establish the purchase price for your furniture and appliances, place their receipts with your insurance information. Many people take pictures of their furniture and other personal property as visual proof of its condition and value.

Where you store this information is important as well. While for many things home storage is appropriate, if your home is burglarized or destroyed, the information may be lost, and the claims process more difficult. You may want to consider a safe deposit box to hold the policies and proof of value of your property.

If you need to make a claim, do not expect the adjustor to immediately pay you the money requested. Before you call to make a claim, read the particular policy involved, and anticipate the questions you may be asked. Your claim for water damage may be covered if the water heater leaks and floods the basement, but not if a broken water main in the street cause the same type of damage. If you know in advance what is covered and what is excluded from coverage, you may ease a frustrating process.

Be aware of how soon after a loss a claim must be made. While Bernie will not know the extent of damage to her home until the spring thaw, her insurance policy requires that notice of the claim be given within 20 days of the occurrence. If damages escalate, the claim can be amended, but if you wait too long to make the claim, the insurer may deny coverage.

If you have taken the time to do as I suggest, making a claim against your insurer will be much easier for you. I hope you never have need to do so.

If you have any topics you would like us to consider for this column, please send them to: Emil W. Herman, Esq., Rothman Gordon, Third Floor, Grant Building, Pittsburgh, PA 15219. Topics will be considered based on space considerations, interest to all readers, and appropriateness for general legal discussions.