Verhovayak Lapja, 1937. január-június (20. évfolyam, 1-26. szám)
1937-03-27 / 13. szám
MARCH 27, 1937 PAGE .6 The Real Value of a Human Life Appraisers can easily estimate the approximate value of Real Estate, Buildings, Automobiles, Machinery, Live Stocks, Bonds and Business Enterprises, but it is most difficult to actually compute the real value of a Human Life. The great American, humorist, Bob Burdette, in his lecture on 'The Rise and Fall of the Mustache” compared the farmer’s opinion of the value jof his adolescent sons and daughters with the value of the horses, mules, cattle and fowls that were herded in his barns and coops. Each evening the farmer sees to it [that the stable doors are securely fastened and locked, and if he imagined during the night that thieves had broken into his barns or that one of his domestic animals bad wandered astray, he (would immediately rouse the household and servants and have the neighborhood searched, at once for it costs money to replace a single P'g. goose, duck, turkey or hen. On the other hand, as soon as the farmer’s son attains the age of sixteen or perhaps eighteen, he is permitted to have a key to the front door and no one seems to care just where or how the youth spends his evenings and nights; As the rounds are made at sun-down to make sure that no stall in the barn is empty, no visit is made to the lad’s bed-room to ascertain whether he is safely housed for the night. In other words the farmer is so busytaking care of his domestic annuals that he has no time to consider the moral yvelfare of his children, for the reason that he realizes the financial value of his live stock. THE GREATEST ASSET WE POSSES ! , These- days almost every sane person carries a full line1 of insurance upon everything he owns and would not consider insuring Ins home or business block for verymuch less than its real value, and yet most of us forget that the greatest asset we can possibly posses is our own life and health which can never be replaced. _ During the recent depression, many found it absolutely necessary to reduce, and in quite a feyv cases even cancel, the amounts of their insurance, and noyy that they are again being employed, their first thought should be to once more obtain the full protection that they formerly enjoyed. M hen we consider the great uncertainties connected with our Human Life ami Health, we feel like quoting the side-shoyv hawker or barker that we always bear when we visit the circus, fairs, expositions or amusement parks. His one expression seems to be ‘"Hurry, Hurry, Hurry” and again it is “Hurry, Hurry, Hurry.” We should indeed hasten to increase our insurance up to at least somewhere near the correct amount, for tomorrow may be too late, and after all is said and done, there is no time like the present to apply for additional insurance. THE MIGHTY TRUTH During the month of March, 1936, America was being very much distressed by floods and other disasters. This year we are appalled by the terrible school house calamity occuring in the Lone Star State of Texas. No one can dare to prophesy just yvhere yve may. be tomorrow or the next day. We are fast and surely learning the mighty truth j of the expression, “The! Young may die, but the Old must sooner or later eventually cease to exist any longer.” We can only live in hope that after yye have, departed into the Great Beyond, we will not be compelled to suffer remorse or other punishment, because of our neglect and failure to see to it that our beloved ones and dependents have been protected against dire want, distress, suffering and misery on account of our untimely death. These days, no sane person should neglect or even postpone the securing of sufficient life insurance. I he older a person becomes. the greater will be the amount of the Level Premium which he must pay when he secures additional life insurance. In a verygreat many cases the poor condition of a man’s health makes it utterly impossible for him to secure additional insurance at any price whatever. Furthermore the state layvs provide that a person’s age changes six months after his birthday, and the amount of dues is computed from the age nearest birthday rather than the last or the next, and, of course, the older a person is when he becomes insured, the higher his level rate of dues will be. \\ hen we speak of the value o'f a man’s life we think of the amount that must be invested at (let us say) 3 y2 %, per year, to provide a certain income for a fixed number of months. If we consider the period to be 296 months, -and this is four months less than 25 years, we find that $1,000.00 Insurance is needed for ey ery unit of $5.00 income. On this basis of calculation a Ten Thousand Dollar Investment means an income of $70.00 monthly for less Verhovayokjapja than 25 Years. Ten Thousand Dollar Insurance sounds much larger than a $50.00 monthly income yet the one is equivalent to the other, and if you are planning to leave more than $50.00 monthly income for a longer period than 25 years, you should see to it at once that your life is insured for more than Ten Thousand Dollars. JUST REWARDS — On May 31, Verhovay w ill arrive at the conclusion of her SECOND HALF Oh' A CENTURY . GIGANTIC MEMBERS HIP DRIVE, and within the past eighteen months many thousand of new members have joined our Association during the conducting of the two membership campaigns. On the 24th of next July, twenty-* five Verhovay members will sail from New York on the magnificent S. S. Europa as guests of our Association. They have been doing excellent work and rendered loyal service during the recent campaign, and they will receive their just rewards, for Verhovav w ill gliidlv entertain them until they reach Budapest. I would like to impress indelibly upon the minds of our Verhovay members the most important idea that Life Insurance should be bought and not sold. When you buy something, you go to get it, instead of waiting for the other fellow to bring it to you. Too many men keep waiting for someone to sell them life insurance.This reminds me of a boy I once knew very well. His father sent him to the employment office of a factory or mill that was hiring men and boys by the dozens. Although lie left early in the morning, he did not return home until late in the evening, and he was certainly a most discouraged and disgusted lad when he reported to his father that he stood the whole day on the pavement in front of the door of the employment office and he saw lots of people going in and out of the building and not a single person invited him inside or put him to work. Now is the most appropriate and proper time for Verhovay members to immediately increase their own individual insurance and also to persuade our new members to not only hold on fast to that which is good, but also to realize the great importance of their also increasing their insurance with Verhovay. HEART INSURANCE Fraternal Beneficial Associations issue what has most aptlv been termed “HEART ■' INSURANCE” when they insure HAZARDOUS ' RISKS at STANDARD RATES. They issue Life Insurance at the actual cost of the same, and they find it absolutely necessary to keep this cost down to the rock bottom minimum, in order to compete with the large insurance companies that receive sufficient profit to pay salaries to their premium collectors who make weekly visits to the policy-holders homes and solicit additional insurance. Let us consider a local Yerhovay lodge or branch that has a membership of one hundred carrying a total amount of Eighty Thousand Dollars Insurance Protection. No doubt it would be most difficult or almost impossible to increase the membership of this particular lodge to one hundred and fifty or tyvo hundred members. Still if each of the present members proceeded to buy sufficient extra insurance to come anywhere near reaching the actual and real value of his life, this same one hundred members Verhovay Fraternal insurance Association ! B An Invitation to Attend the ANNIVERSARY DANCE Sponsored by American V. F. I. A, BRANCH 395 McKeesport Pennsylvania Penn McKee Hotel Ballroom Tuesday, April 6th, 1937 MUSIC BY ART GILES WITH RAY JACKSON VOCALIST EVERGLADES” AND Columbia Broadcasting Orchestra FEATURED ON STATION WJAS PITTSBURG ADMISSION 50c per person...Dancing 8:30 to 12 '___________ _ _ __ ____,_______________ «i
