2 ŽENSKÁJEDNOTA

Fraternally Yours,ŽENSKÁ JEDNOTA®

8 26 1 ISSN0897-2958

Fraternally Yours,ZENSKAJEDNOTA,

is a monthly magazine published by the FirstCatholicSlovakLadiesAssociation.

NationalHeadquartersat24950ChagrinBlvd., Cleveland,Ohio44122EDITOR:CarolynBazik

P.O.Box1617,Reading,PA19603E-mail:zjbazik@comcast.net

Phone(610)373-2743•Fax(610)375-8333

Periodical Postage Paid at Cleveland,OH44101andadditionalentries

SubscriptionRate,Non-Members:$6.00—1Yr.

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Postmaster:Sendaddresschangesto ZenskaJednota,

FirstCatholicSlovakLadiesAssociation 24950ChagrinBoulevard,Cleveland,OH44122

Deadlineforallarticlesisthe15th ofthemonth,1½monthspriortotheissuedate.

OFFICEHOURS—HOMEOFFICEMondaythroughFriday—8:00a.m.to4:30p.m.Phone:(216)464-8015•TollFree:800-464-4642Fax:(216)464-9260•Website:www.fcsla.com

BOARDOFDIRECTORSCHAPLAIN:

Very Reverend Monsignor Peter M. Polando,CathedralofSaintColumba,159W.RayenAve.,Youngstown,OH44503.Residence:(330)744-5233.Email:ppolando@youngstowndiocese.org.PRESIDENT:

CynthiaM.Maleski,Esq.,24950ChagrinBou-levard,Beachwood,OH44122.(800)464-4642.Ext.1011.Email:Cynthia@fcsla.com.NATIONALDIRECTORS:

JeanetteE.Palanca,304W.ExchangeStreet,Crete,IL60417.Residence:(847)770-3508.Email:jeanetteeve@outlook.com.

SueAnnM.Seich,1433SaxonyCircle,NW,Can-ton,OH44708.(330)478-2949.Email:sams330@aol.com.

LawrenceM.Golofski,1114SurreyLane,Vander-grift,PA15690.Residence:(412)915-9035.Email:LarryG.FCSLA@gmail.com.

JoannSkvarekBanvich,Whiting,IN46394.Resi-dence:(219)322-8785.Email:btvendo@gmail.com.NATIONALTRUSTEES:

VirginiaA.Holmes,1625VermontAvenue,WhiteOak,PA15131.Residence:(412)672-1565.Email:Holmes7732@aol.com.

BarbaraNovotnyWaller,413OleyStreet,Read-ing,PA19601.Residence:(610)372-5750.Email:bnwaller@comcast.net.NATIONALAUDITORS:

Barbara A. Sekerak, 6312 Elmdale Road, Brook Park, OH 44142. (216) 676-9332. Email:bas7535@gmail.com.

DennisL.Povondra,102SouthJandaAvenue,Tabor, SD 57063. Residence: (605) 463-2571.Email:povondra@hcinet.net.

Dorothy L. Urbanowicz, 27 Crescent Drive,Monessen,PA15062.Residence:(724)684-8243.Email:doty8613@gmail.com.

COURTOFAPPEALS:AnneM.SedlockRonaldSestakJudithA.FedorCynthiaOresik

BernadetteJ.Demechko

“At the End of the Day”IcalledherassoonasIheardthenews.Clearly,shehadmadesome

mistakesbasedonpoorjudgment,butshewasagoodperson–someoneIcalledafriend.

“Atthemoment,Iamnotveryproudofmyself”,shesaid.“Butwillyoubeattheendoftheday?”,Iasked.

Inthespanofalifetime,nomatterhowlongorshortitmaybe,thereareforeachofus,moments,days,perhapsevenyearsduringthatlifetimewhenwemayhavefallenfarshortofGod’sexpectations…andhopefullyofourown.

Peoplearemuchlikefruittrees.Fromseedscreatedbylove,nourishedthroughhope,andstrengthenedbyfaith,wearealldestinedtoproduceuniquefruits(gifts),whichonlywecanbringtotheworld.Whilewemaynotalwaysthinkaboutit,wewereplantedhereinlife,atthistimeandwiththeverypeoplesurroundingus,tofulfillagreaterneed.

Aswegrow,throughoutourlifetime,webranchoutinmanydifferentdirections.Notallbrancheswillproducethesameamountof“fruit”.Some,infact,mayneverbearfruit.Althoughwemaydesiretogrow,tobecomeallweweremeanttobe,wesometimesfallshort.Branchingoutisapartofgrowing.Headingintherightdirectionisnotalwaystheresult.

Butunlikethefamiliarthoughtthat“onebadapplewillspoilthebunch”,wecannotcutdownanentiretreebecauseafewapplesarerotten.

Thosemoments,thosetimesinourlivesofwhichwemaynotbeproud,cannot...andshouldnot…destroyanentirelife.

God’stimeandloveisimmeasurable.Iwouldguessthatmylifetime,mygrowingfromseedtofruitbearing,withthemanydetoursandroadblocksIhavefaced,willbecomebutaninstantineternity.

WeshouldaimthentoseeitasasingledayonHisgreatcalendar.“Attheendoftheday”(ourlifetime),ourprayershouldbethatwecanstandbeforeHimandsay,“AlthoughthereweremomentsIregret,IampleasedwithwhatIdidwiththetimeIwasgiven.” DearFriends,

Thismonth,shouldyoufallshortofyourtrueabilities,don’tstoptrying,reaching,orgrowing.“Attheendoftheday”,itisnotwhatmomentsyouregretthatwilldetermineyoursuccessinlife,butwhatgoodfruit(lessons)youcanharvestfromit…remember,evenbitterfruitproducesatastypiewhenmixedwiththerightingredientsandbakedatthecorrecttemperature.

Untilnextmonth, Warmly, Carolyn

Lord, teach us to offer you a heart of thanksgiving and praise in all our daily experiences of life. Teach us to be joyful always, to pray continually, and to give thanks in all our circumstances. Happy Thanksgiving!

NOVEMBER2018 3

Very Reverend Monsignor Peter M. Polando, D. Min., J.C.L., National Chaplain

My dear Sisters and Brothers in Christ,Last month’s article explained one type of Privilege case

within the Church, the Pauline Privilege, in which the Church allows the dissolution of marriage involving two unbaptized people, when one becomes baptized and now desires a sacramental marriage. Continuing this month, the other type of Privilege case is the Petrine Privilege, also known as Privilege of the Faith or Favor of the Faith. You learned last month that the Pauline Privilege was so named after St. Paul. The Petrine Privilege is so named because it refers to St. Peter. Jesus Christ gave the apostle Peter authority on earth to lead His church. This supreme authority is passed on to each Pope. An ecclesiastical dissolution by virtue of the Petrine Privilege is granted by the Pope and not on the diocesan level as is the Pauline Privilege. Thus, the name “Petrine” Privilege.

Last month I explained that if it can be proven that either one or both parties to the marriage is not baptized, the marriage is non-sacramental and therefore subject to a possible dissolution. For Pauline Privilege, both parties to a marriage would need to be non-baptized at the time of a prior marriage, with one now desiring baptism before remarriage in the Catholic Church. The Petrine Privilege differs in that it may be invoked if only one of the partners was not baptized at

the time of a prior marriage. Say the non-baptized petitioner wants to become Catholic or wants to marry a Catholic, the petitioner’s first marriage can be dissolved, permitting that person to become Catholic or to marry a Catholic. Another example would be a Protestant who was married to an unbaptized person and now desires to marry a Catholic. The Pope may dissolve the marriage of the Protestant to facilitate his or her marriage to the Catholic. In this case the Petrine Privilege is done in favor of the faith of the Protestant’s Catholic intended spouse.

At the time the Code of Canon Law was being revised, canons were drafted which briefly set forth both the law and the procedural norms for the dissolution of the bond in favor of the faith. Instead of including this complex material in the Code, the Congregation for the Doctrine of the Faith at the Vatican issues procedural norms that are approved by the Holy Father and sent to diocesan Bishops. The current papal legislation that governs the granting of a Petrine Privilege is Potestas Ecclesiae and was issued in Rome on April 30, 2001. The norms are very particular in what is required for Petrine Privilege and are what guide the Judge Instructor on the diocesan level in preparing the petition to be sent to the Holy Father.

There are a considerable number of requirements for the valid granting of a Petrine Privilege. The following four conditions are the most important: 1) It must be proven that one or the other of the parties to the marriage was not baptized when the marriage was entered and during the entire time of their married life; 2) It must be proven that the marriage was not consummated after the final separation and/or baptism of the non-baptized party; 3) No possibility exists to reconcile and restore the former union; and 4) The petitioner was not predominantly responsible for the destruction of the former union, and the person whom the petitioner wishes to marry in the Catholic Church did not contribute to the downfall of the petitioner’s prior union. (In other words, if Sam, non-baptized, was having an affair with Meg, a Catholic, while married to Jenny, which ultimately ended Sam and Jenny’s union, the Holy Father is not going to grant a dissolution in favor of the faith so that Sam can now marry Meg who broke up his union with Jenny!)

Petrine Privilege may sound complicated, but the Tribunal in each diocese is skilled and always ready to aid priests and individuals as they navigate through the process.

In closing, as we approach Thanksgiving, I extend to all you my thanks and my wishes to you and your families for a Happy and Blessed Thanksgiving! Next month we conclude our series on Tribunal processes, particularly as they relate to irregular marriages.

(To be continued)

Magdalen I. Iskra Appointed Trustee of Zonta Club

ZontaClubofthePolishUnionoftheUnitedStatesofAmerica,nowmergedwiththeFirstCatholicSlovakLadiesAssociation, appointedMagdalen I. Iskra, atrusteeoftheClub.Magdalenacceptedtheappoint-mentandisgratefulforthehonor.Inthephoto,fromleft,are:MarthaA.Iskra,vicepresidentoftheFCSLAMagdalenI.IskraDistrict;TerriRumensky,PUABoardmember;NancyBachurek,PUAdistrictdirector;andMagdalenI.Iskra,FCSLAdistrictpresident.

PRIVILEGE CASES

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Message from our National PresidentCYNTHIA M. MALESKI

“Joy springs from a grateful heart … [and from] remembrance of the amazement which our encounters with Jesus Christ awaken in our hearts.”

** Pope Francis Dearfellowmembers,

Weareconductingregionalmeetings inanumberofcom-munities to tell thegoodnewsof our association and areplanningtovisitseveralothersaswell.Oneofthegoalsofthemeeting is to confirm that ourcause and purpose is indeed a noble one since we striveto affirm the dignity of everyperson whomwe touch.We

alsoexplain the fraternalbenefit societymodel,ourproductsandbenefitsandhopethatthoseattendingcancontinuetobuildpersonalrelationshipssowecanworktogethertobringinnewmembersastheyearsgoby.Ienjoymeetingourregionalleadersinfacetoface

gatheringsandhopetocontinuetolearnevenmoresowecanbecomeevenstrongeraswecontinuetogrow.

Oneofthebesttakeawaysforallofusfromthesesummitsisthesenseofgratefulnessthatwecertainlyfeelaboutourbondandworktogethertobenefitallourmembers,thecommunitieswhereweliveandwork,andfuturegenerations.

Aswedevelopgrateful heartswithpositiveout-looks, itbecomesclear forustoaccept thegift thateverypersonistous,eventhosewhomayhaveques-tionsforus.Thereisasilverliningineveryquestion.Aswedevelopasenseofgratefulnessforwhatwehave,wecanassesssituationsfromtheperspectiveofthegood thatmaycome from them.EveryoneateveryregionalsummithasbeenappreciativeofthesharingofvitalinformationaboutFCSLA.

AsweprayonAllSaintsandAllSoulsDaysonNovember1andNovember2,weprepareforThanks-giving, thegreatAmericanholiday,with thanksandgratefulness.

Personally,Iamgratefulformywonderfulfamilyandthevaluesthatmyparentsandothershavepro-videdmeasapartofourCatholicfaithandupbringingthroughouttheyears.Whatapreciousblessing!Iamevergratefulforourfaithandthosewhostrivetoservethegreatergoodofhumankindandleadusforwardinourlivesandinourfaith.

IamgratefultobecalledtobeNationalPresidentofourassociation.Iamgratefulandthankfulforourboardofdirectors,districtandbranchofficersandALLOFYOU for partaking in thegood, positive values,programs,benefitsandgatheringsthatFCSLAoffersinthisgreatcountryofours,theUnitedStatesofAmerica.Iamgrateful forall thosewhoserveourcountry topreserveourfreedom.

WhenyouorIsitdowninaquietspace,prayandreallyreflect,ourgratefulheartsandpositiveoutlookcanonlyleadustoaJOYFULspiritandJOYFULlives!

ForwhomandwhatareYOUgratefulfor? HappyThanksgivingtoall! Cynthia M. Maleski

“Accentuate the Positive, Eliminate the Negative!”

At the quarterly board meeting of the Slovak Catholic Fed-eration in Boardman, Ohio, Steve Hudak, National Treasurer; Sue Ann Seich, National Director; Cynthia Maleski, National President; Dorothy Urbanowicz, National Auditor met two of-ficials from the Pontifical College of Saints Cyril & Methodius, Rome, Italy: The Rector, Th.D. Pavol Zvara, PhD. SLL and Fr. Viliam Zemancik, Vice-Rector. First Catholic Ladies Associa-tion was a primary founding sponsor of the College many years ago and we continue our support today. The Rector reported that the program at the College remains strong and the Archbishops/Bishops of Slovakia continue to send priests to study in Rome for the special needs of their local churches. His Eminence Josef Cardinal Tomko (retired) resides at the College. Thank you to Monsignor Robert Siffrin and our Na-tional Chaplain Monsignor Peter Polando for hosting several welcoming receptions.

NOVEMBER2018 5

FCSLA Connects . . .Albert E. Heiles, CLU, ChFC, AEP, CRC, FIC, LUTCFNational Sales Manager

Albert Heiles

SHOULD PARENTS OR GRANDPARENTS BUY LIFE INSURANCE ON THEIR CHILDREN

OR GRANDCHILDREN?Somepeoplewill say, no need to

insurechildren.Somecomparetheex-penseofapremiumasan investmentandconcludeit’sapoorinvestment.Whydo people buy life insurance for theirchildrenandgrandchildren?Firstofall,noticetheword“for”ratherthan“on”.Lifeinsurancepurchased“for”yourchildrenorgrandchildrenisagiftthatbeginstobuildafoundationforfinancialfreedom.Itisprovidingaheadstartintheworld

ofbuildingafinancialbase.Intheyounglifeofachildorgrandchild, issuessuch

assmoking,weight,healthproblemsordrivingrecordsarenot part of their lives.Theyhaven’t takenonavocationsthatwouldaffecttheirinsurability.Atyoungages,theyprob-ablyqualify for life insuranceat favorable rates.With theadditionalbenefitofcashvalue,thepolicyisanexcellentexampleofinterestworkingontheirbehalf.Cashvaluewillbeavailabletothemlaterinlifeifneededforpersonal,busi-nessor investmentopportunity.Delayingthepurchaseoflifeinsurancemightresultinunavailabilityduetoincreasedcostsordecreasingbenefits.

Whatimpactwouldthedeathofyourchildorgrandchildhaveonyourabilitytodealwithissuesoftheaccompanyinglifepressuresasaresultoftheloss?Wepraynothingeverhappens toourchildrenorgrandchildren.Recovery fromsuchatragedyisverydifficult.Lifeinsuranceonachildwillnevertaketheirplaceormakethelosslesssignificant,butitwillbeacashcushiontofallbackonthatcancertainlyhelpdealingwiththetragedyoftheloss.

FirstCatholicSlovakLadiesAssociationoffersexcellentlifeinsuranceproductsthatprovidechoicesonpaymentsintermsofpremiumamountsandpremiumdurations.Weof-ferproductsthatcanbesinglepremium(onlyonepremiumispaidandthepolicyispaidupforlife)andthoseinwhichpremiumscanbepaidupin10yearsor20years.Andfinally,weoffera life-longpremiumpolicy.FirstCatholicSlovakLadiesAssociationhaspaiddividendsonwholelifepoliciesforovertendecades.Dividendsarenotguaranteedandcanbechangedatanytime.Ifdividendsarepaid,theycanbeusedwithoptionstoenhanceyourpurchaseofawholelifeinsuranceproduct.

A representativeofFCSLAwouldbehappy to shareadditionalinsightonourexcellentlifeinsuranceproducts.PleasefeelfreetocontacttheHomeOfficeat800-464-4642.

Thankyou, Albert E. Heiles, CLU, ChFC, AEP, CRC, LUTCF

SS.C.M. Sisters to Offer Christmas Oplatky

Oplatky,thetraditionalSlovakChristmaswafers,willonceagainbeavailablethisholidayseasonfromJankolaLibrary.OrderswillbeacceptedfromOctober22untilDecember14.

TheOplatky, in packages of five, are thermal-sealedandcanbepurchasedfor$5.00perpack.Inaddition,theminimumcostofshippingandhandlingis$7.50andupward,dependinguponthenumberofpacksorderedandthecostofprioritymailing.Custom-izedrequestscanbefilledtomeetyourneeds.

Payment, to Jankola Library, is requiredbeforeorderswillbeshipped.Formoreinformationortoplaceanorder,contactSisterCatherineLabouréBresnock,SS.C.M.at570-275-5606orwritetoJankolaLibraryandSlovakMuseum,1002RailroadStreet,VillaSacredHeart,Danville,PA17821-1698.

MARCH FOR LIFE

Ourpresenceatthe46thAnnualRighttoLifeMarchonFriday,January18,2019 inWashington,DCisextremelyimportant.FirstCatho-lic Slovak LadiesAs-sociation support the positionoftheProLifeMovement.

The FCSLA and FCSU w i l l o n c eagain be offering freetransportationfromtheFCSLAHomeOfficeinBeachwood,OHforthisveryimportanttrip.Forthepastseveralyearswehavefilledtwobusesforthismarch.Againthisyear,wewillreservetwobuses for theMarch.Ourorganizationsareproud toencourageourmembersalongwithmanyyoungstudentsfromareaCatholicHighSchoolstoparticipate.ItisaveryrewardingexperiencetoactivelyparticipateandhelprelaythisveryimportantmessageofsupportingtheRighttoLifemission.

Willyoujoinus?PleasecallKellyattheFCSLAHomeOffice.Herphonenumber is800-464-4642EXT.1051oremail her at Kelly@fcsla.org fordetailsorquestionsandtoreserveyourseatonthebusbeforeDecember15.Thebusesfillupquicklyandseatingislimitedsodonotwaituntilthelastminutetoreserveyourseat.Youcanalsogotoourwebsitewww.fcsla.orgforatentativeitineraryforthetrip.

Ifyouwouldliketoattendandareunabletojointhoseleaving fromtheFCSLAHomeOffice,please lookonlineforinformationandtransportation.Callyourlocalchurchordiocese,theymaybeabletohelp.

6 ŽENSKÁJEDNOTA

New Slovak Ambassador to the United States

EffectiveSeptember1,2018,IvanKorcok has been appointed SlovakAmbassadortotheUnitedStates.Here-placesPeterKmecwhosetermhasex-pired.Priortohisappointment,Ambas-sadorKorcokwastheStateSecretaryoftheMinistryofForeignandEuropeanAffairsoftheSlovakRepublic.Healsoheldseveralpositionsrepresentingthe

SlovakRepublicattheEuropeanUnionandNATO.Ambas-sadorKorcokwasborninBanskaBystrica.Heismarriedandhastwosons.

St. Ann’s Annual Meeting and Christmas Party

St.Ann’sSr.Branch114invitesallof itsmemberstotheirAnnualMeetingandChristmasParty.ItwillbeheldonSunday,December16at1:00p.m.attheAmericanSlovakClub,2915BroadwayinLorain,OH.Themeetingwillincludeelectionofofficersandwillbefollowedwithlunch.PleasemakeyourreservationsnolaterthanDecember12byphon-ingBernieDanevichat440-960-2605orMargeThomasat288-1492.Pleasecomeandjoinus.

TheDistrict14JoinHandsDayactivitywasheldonMay19,2018.TheeventwasheldatWestRestHaven,inWest,TX.AllresidentsandvisitorswereinvitedforafundayofBingo,CoffeeandKolaches.Everyresidentwasawinner.

Receives First Holy CommunionLaurenElizabethShe-

mansky (J362) receivedherFirstHolyCommunionat Most Precious BloodChurchinHazleton,PAonSunday,May5,2018.

She is in 3rd gradeatHoly Family School inHazleton,PA.Laurenisthedaughter of Linda (S172)andThomasShemanskyand thegranddaughter ofTheresa, J362Secretary

andFrancisCeklosky(S172).BarbaraJeanCekloskyJ362Treasurerishergreataunt.

UPCOMING VILIJA SUPPERSr.Branch262willhostthetraditionalChristmasmeal

onSunday,December9th.Theeventwill beheldat theOklahomaSchoolHouseHall, 171ThornStreet,Apollo(OklahomaBoro)PA,15613,startingat5p.m.Theeventisformemberswhomaybringoneguest(age16orover).ReservationsmustbemadebyNovember21,bycallingMarileeKessler724-454-1625.

NOVEMBER2018 7

Sr. Branch 88 Annual Holiday Party Reservations

MonessenSr.Branch 88will hold their annualHolidayParty onSunday,December 2, 2018.Theeventwillbeheldat2:00p.m.attheCedarbrookGolfClub,215StateRoute981,BelleVernon,PA.Asinthepast,a$15.00depositpermemberwillberequiredattimeofreservation.Yourpresencewillresultindepositrefund.Party is formembersonly and reservationsmustbemailedtoDorothyUrbanowicz,27CrescentDr.,Monessen,PA15062.All reservationsmust bepostmarkednolaterthanNovember15,2018.

Chicago Branches Holiday PartyTheChicagoSeniorBranchesarehosting their

SeniorBranchCombinedChristmasPartyonSaturday,December1,2018attheOrlandChateau,14500La-GrangeRoad,OrlandPark,IL.Theeventwillbeheldfrom11:00a.m.to3:00p.m.Costis$20perpersonandRSVPsareduetoyourSeniorBranchOfficernolaterthanNovember17,2018.PleasecontactyourSeniorBranchOfficerorLorraineGibasat630-728-7518formoreinformation.

St. Ann Society Christmas Dinner and Annual Meeting

YouarecordiallyinvitedtotheannualChristmasdinnerandmeetingsponsoredbytheSt.AnnSocietySr.Branch140ofLansford,PA.ThedinnerwillbeDecember2,2018atMacaluso’sTheLanterninNesquehoning.Themealwillbeservedat1:30p.m.

Reservationsare required for all and thedeadline isNovember19th–noexceptions.Guestswill becharged$30.PleasecallLouiseDunstan570-645-4354.

Pre-Christmas Season Banquet and Meeting Held

Ashasbeeninthepast,membersoftheMen’sLodge109KJandtheLadies’Lodgesof101,320and011,jointlycelebratedthePre-ChristmasSeasonbyparticipatingintheAnnual,fun-filledandentertainingMembershipLuncheononSunday,September9th,2018at2:00p.m.TheluncheonwasheldatSt.MaryMagdalenSchoolHallinSouthCity,St.Louis.

WehonoredFrancesMiklovic,theFirstCatholicSlovakLadiesAssociation2017YouthoftheYear.Franceshaspar-ticipatedinmanyserviceprojectsinherchurch,herschoolandhercommunity.Sheisanindividualwhostandsoutinacrowdbecauseofherachievementsandleadership.Shemaintainsan“A”averageatAfftonHighSchoolranking3rdinherclassenteringhersophomoreyear.ForthisnationalhonorshereceivedanengravedStarAward,andacheckfor$100.

Displays the Honoree with multiple “gifts” the Branch awarded her.

Frances with the Branch Officers: Ann Wright, Vice President (and Aunt); Frances, Joseph Miklovic, Secretary (Grandfather); Dolores Bachesta, President; Margaret Lyons, Treasurer (and Aunt).

FCSLA Annuity RatesRates for our deferred Elite Annuities:

SILVER ELITE (5 YEAR)

3.25% APY*GOLD ELITE (7 YEAR)

3.50% APY*PLATINUM ELITE (10 YEAR)

3.75% APY**This rate is in effect 10/1/2018 thru 12/31/2018.

The credited rate is reviewed quarterly by the Board of Directors and will never go below the minimum guaranteed rate. The guaranteed minimum rate for Elite Silver and Gold contracts issued in 2018 is 2% APY and for the Platinum Elite is 2.5% APY.

8 ŽENSKÁJEDNOTA

NOVEMBER2018 9

Joseph John Sabo, S269JosephJohnSabo,ourdearFather/Papap,

wenttobewithhisLordonJanuary25,2018andjoinhislatebelovedwife,Dorothy,ofover60years.“Iloveyou;FaithinGod,pleasekeepit,useit,cherishitandpassiton.Foritwasthisfaiththatwasgiventome.”Josephissurvivedbyhisdedicatedson,Gary(Starlett,thedaugh-terheneverhad);grandchildren,Jen(Chuck),

Brian(Jennifer);andgreat-grandchildren,EastonandCaleb.Hejoinshissiblings,Steven,Andrew,Mary,andKatheryn,whoareallwiththeLord.Weholdhiminourheartsforever.SpecialthankstoCypressHospice.Inlieuofflowers,donationsmaybemadeinmemoryofJosephtoCypressHospice,2BereaCommons,Suite1,Berea,OH44017.

Betty Ann (Charney) Horensky, S77BettyAnn(Charney)Horensky,79,ofGree-

nock,diedMarch25,2018.ShewasbornMay26,1938,inMcKeesportandwasthedaughterofthelateWilliamF.andAnna(Cholock)Charney.Shewas thewife of the lateGeorgeEdwardHorensky, Jr., who died February 19, 2012.BettywasanactivememberofCorpusChristi

ParishinMcKeesportanditsLadiesofCharity,FishFryMinistry,PeanutButterandJellyMinistryfortheBoysandGirlsClubandtheFestivalCommittee.In1978,sheretiredfromtheDepartmentofEnergyinWestMifflinwith23yearsofservice.Afterhersonstartedschool,shebecamethesecretaryatPeaceEvangelicalLutheranChurchinGreenockandworkedtherefor15years.Bettywillberememberedforhercheerfulpersonalityandtastybakedgoods,especiallylemonbarsandorangecookies.Sheissurvivedbyherson,GeorgeWilliam(Katherine)HorenskyofRostraver,sister,DeborahCharneyofPortVue,grandchildren,VincentW.HorenskyandElizabethMaryHorensky,andbrother-in-law,DavidHorensky.MemorialcontributionsmaybemadetotheSt.JudeChildren’sResearchHospital.

Mary D. Mayernik, S88Mary(Dzsubak)Mayernik,age90,ofWhite

Oak,PA,passedawayonJanuary2,2018,inJeffersonHills,PA.ShewasbornJanuary28,1927inMcKeesport,PAthedaughterofthelateJohnandAnna(Seman)Dzsubak.Marywasahomemakerformostofher lifeandanactivememberattheformerSt.DominicChurchandtheChristianMothers(pastSecretary),Slovak

Club,andRosarySociety.Marywasasecretaryandvicepresi-dentoftheFirstCatholicSlovakLadiesAssociation.Sheenjoyedworkingwithotherparishionerstohelpthechurchbybakingnutrolls,applestrudelandcabbagerolls.Maryandherlatehusbandraised three daughters,Maryann (David) Rossi of Elizabeth,PA,Patricia(James)MattaofFortMill,SCandSusan(Richard)BorchiloofMeadville,PA.Maryissurvivedbyherdaughtersandtheirhusbands;sixgrandchildren;sevengreat-grandchildren;alsoaniece.MemorialcontributionsmaybemadeinhermemorytoOurLadyoftheValleyParish,1ParkManor,Donora,PA15033.

Helen Krulicki, S162Helen Krulicki, 94, went peacefully to God on Decem-

ber 13, 2017, at Charlotte Hungerford Hospital, Torrington,CT. She was the beloved wife of the late Edward Krulicki. Helenwas born inTorrington onAugust 5, 1923, daughter ofthe lateConradandMary (Kozlak)Grinvalskyand spent all ofher94yearsinTorrington.ShewasemployedattheTorringtonCompany formany years andworked atWaringProducts inher retirement.Helen cherished herSlovak heritage andwasproud to be a lifelong parishioner of Sacred Heart Church. Survivors includeadaughter,MarianPastoreandherhusbandGarry;herson,John“Jack”KrulickiandhiswifeLisa;andherpre-ciousgranddaughter,SarahKrulicki,allofTorrington.Theywillmissherlaugh,hersmile,herwit,andespeciallyhernever-endinglove.

Caroline (Snauko) Verhougstraete, S546CarolineVerhougstraetepassedawayonJanuary3,2018at

theageof93.ShewasbornonJune29,1924inNewBrighton,PA,tothelateStephenandHelenaSnauko.AgraduateofResurrectionHighSchoolin1942,CarolineretiredfromtheStateofMichiganafter23yearsofservice.CarolineservedasSecretary/Recep-tionistatSt.MichaelsCatholicChurch inGrandLedgefor9½years.AfaithfulandactivememberofSt.MichaelsParishsince1987;sheservedasaLectorandEucharisticMinister;memberoftheCouncilofCatholicWomen;memberoftheSt.MichaelsSeniorGroup;memberoftheStateEmployeesRetirementAs-sociationandpastmemberoftheAmericanBusinessWomen’sAssociationfor45years.Sheissurvivedbyherchildren:Janice(BillWines)Verhougstraete, LouAnnand James, four grand-children,fivegreat-grandchildren,asisterMartha(Earl)Hudakandseveralniecesandnephews.ContributionsmaybemadetoSt.MichaelsCatholicChurchortheAmericanCancerSocietyinmemoryofCaroline.

Anna D. Lesniak, S630AnnaD. Lesniak, a longtimemember of

theRosaryandAltarSocietyandseniorcitizensgroupatSt.Benedict’sParish,diedJanuary20,2018,onedayafterher100thbirthday.AnativeofMcKeesport,PA,sheandherfuturehusband,Valentine,metwhen bothwereworking at alocal grocery.They enjoyed going to dancesintheBigBandEra.HerhusbandworkedforWestinghouseandin1947wastransferredto

Buffalo.Shespenttherestofherlifehere,raisingherfamilywithunwavering loveanddevotion.They livedmostof their lives inEggertsvilleandlatermovedtothetownofTonawanda.Withoutmuchformaleducation,shestayedmentallysharptotheendofherlife,rememberingnames,dates,birthdaysandeventsbetterthananyoneinthefamily.Mrs.Lesniakandherhusbandbelongedtoasquaredancingclubfor25years,aswellasseveralpinochleandbridgeclubs.ShekeptthefinancialrecordsforSt.Benedict’sseniorbustripsformanyyears.Inadditiontoherhusband,Mrs.Lesniakissurvivedbythreechildren,PatriciaKrzesinski,CynthiaGoldenandRichardLesniak;twosisters,MargaretMarshalik.Ifdesired,contributionsinAnna’snamemaybemadetotheHospiceFoundationofWNY.

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2018 Photo Contest WinnersOur 4th Annual Photo Contest was a HUGE success! The photos just kept coming in and they were all AMAZING!!

I wish I could give everyone a grand prize! You make the judging tougher and tougher each year. This year they were judged by an art teacher who is not a member of FCSLA. There were several times where she went WOW! There were 112 entries, almost 30 more than last year.

A big thank you to everyone who sent in a photo to make this contest successful and fun! You are ALL winners in my book. Everyone that sent in a photo received a little gift for participating.

I hope everyone enjoys these wonderful photos of the grand prize winners. God has blessed us with so many wonderful and amazing things in this world – photos do not do them justice, but it sure is fun to look around and try to capture the awesome visions we see through our camera lenses.

You can see the grand prize winning photos with a more detailed description on our website fcsla.org and Face-book Page.

Start looking for unique photo opportunities for the 2019 contest. Congratulations to all the winners!

Kelly Shedlock, Fraternal & Youth Director

ANIMALS1st Place (tie) – “Garden Kitty” – Branch SZJO, Susan Chlysta, Ravenna, OH1st Place (tie) – “Good Friends” – Branch S-153, Kathy Donaldson, Sharon, PA2nd Place (tie) – “Just a Girl and her dog” – Branch S-035, Christina Diehl, Califon, NJ2nd Place (tie) – “Miracle of Life” @ Living Treasures Animal Park, Jones Mills, PA–Branch S-177, Lena Knapp, Cranberry Twp., PA 2nd Place (tie) – “Dashing through the snow” – Branch S-422, Megan D’Andrea 3rd Place (tie) – “Seagull playing in the waves” Seaside Hts., NJ–Branch S-172, Sarah Mastrull, Levittown, PA 3rd Place (tie) – “Relaxing day at the beach” Seaside Hts, NJ–Branch S-172, Dale Mastrull, Levittown, PAHonorable Mention (tie) – “Static Cling”–Branch S-066, Jenilee SpaniolHonorable Mention (tie) – “Diamond in the Ruff” – Branch S-424, Nadine Dubina, Canonsburg, PA

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ANIMALS (Continued)

ARCHITECTURE1st Place (tie) – “Bridge to Nowhere” Skagway, Alaska –Branch S-633, Ron Scribner, Omaha, NE 1st Place (tie) – “Ketchikan Sunrise” Ketchikan, Alaska–Branch SZJO, Monica Scribner, Omaha, NE 1st Place (tie) – “Gothic Renaissance Architecture” Dubrovnik, Croatia – Branch S-161, Kurt Lesnansky, Youngstown, OH2nd Place (tie) – “Lighthouse Steps” Point Loma Lighthouse, San Diego, CA–Branch S-114, Cheryl Deeks, Stow, OH2nd Place (tie) – “Bridge Before Sunset” San Francisco, CA–Branch U-321, Carly Cheponis, Asbury, NJ3rd Place (tie) – “Suspension in Spring” Wheeling, WV–Branch S-218, Karen Litvak, Washington, PA 3rd Place (tie) – “9th Wonder of the World” Williamstown, KY–Branch S-088, Thomas E. Oslick, Pittsburgh, PA Honorable Mention (Tie) – “Holy Family Church” Zakopane, Poland –Branch S-077, Margaret Nasta, McKeesport, PA Honorable Mention (Tie) – “Piazza San Pietro” Rome, Italy–Branch S-141, Rose Marie Krulac, Solon, OHHonorable Mention (Tie) – “Redemption”–Branch S-557, Megan Candow, Gates Mills, OH

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ARCHITECTURE (Continued)

FLOWERS/LEAVES/TREES1st Place (tie) – “Majestic Rose” – Branch S-161, Abigail Swierz, London, OH1st Place (tie) – “Reflecting in Rocky River” Rocky River, OH–Branch S-525, Paula Dalpiaz, Novelty, OH2nd Place (tie) – “Mid-Summer Colors”Omaha, NE–Branch S-631, Linda Way, Fremont, NE2nd Place (tie) – “Beach Day” Playa del Carmen, Mexico–Branch S-524, Emily Rebro, North Ridgeville, OH 2nd Place (tie) – “Pollinator” – Branch S-287,Laura Gibson Kelly, Evergreen Park, IL 3rd Place (tie) – “Night Time Flowers”:Chinese Lantern Festival, Las Vegas, NV–Branch S-090, Marcel Szal, Las Cruces, NM3rd Place (tie) – “Bees and Sunflowers” –Branch S-023, Cassandra Muffler,Oconomowoc, WI3rd Place (tie) – “Summer Berry Pie”–BranchSZJO, Teresa Brinkley, North Richland Hills, TXHonorable Mention– “Our Slovak ChristmasTree” – Branch S-172, Martha Iskra,Wilkes-Barre, PA

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FLOWERS/LEAVES/TREES (Continued)

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LAKES/MOUNTAINS/WATERFALLS1st Place (tie) – “Mountainside Cabin” Switzerland – Branch S-007, Judy Taylor, Bellbrook, OH1st Place (tie) – “Serenity” Farmington, PA – Branch S-001, Irene Spisak, Pittsburgh, PA2nd Place – “Shoshone Falls” Twin Falls, Idaho – Branch S-319, Mary Jo Zima, Downington, PA 2nd Place – “Flying over Mackinac Bridge” Mackinac Island, MI – Branch S-409, Larry Devore, Hammond, IN3rd Place (tie) - “Morning in Saugatuck” Saugatuck, MI – Branch S-409, Frances Kovacik, Crown Point, IN3rd Place (tie) - “Blue Ice” Mackinaw City, MI – Branch W-500, Marie Knieper, New Lothrop, MI3rd Place (tie) - “19th Century Rustic Cottage” Great Smokey Mountains, TN – Branch W-008, Debra Prantl, Colorado Springs, COHonorable Mention (tie) – “Rocky Mountain High” – Branch S-524, Amy Dreger, Avon, OHHonorable Mention (tie) – “A Natural in the Water" – Branch S-035, Peter Walters, Branchburg, NJ

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MISCELLANEOUS NATURE1st Place (tie) – “Serenity” Great Falls, MT–Branch W-001, Kenneth Siskoff, Great Falls, MT

1st Place (tie) – “Forever in your Arms” – Branch S-627, Geraldine Wemhoff, Creston, NE 1st Place (tie) – “Every Day is BEEautiful” – Branch S-023, Teresa Rentmeester, Waukesha, WI

2nd Place (tie) – “Dragon’s Breath” Yellowstone National Park, WY–Branch S-180, Cheryl Clements, Belmont, MI

2nd Place (tie) – “Resting on the Dill” – Branch S-030, Denise Malagisi, Struthers, OH

3rd Place (tie) – “A Natural Frame” Cascade Head Trail, Otis, OR–Branch S-452,Scott Zimny, Highland, IN

3rd Place (tie) – “Sheetscot Pond at Noon” Sheepscot, ME–Branch S-035, Erich Diehl,Califon, NJ

3rd Place (tie) – “Snowy Florida” National Wildlife Refuge, Sanibel, FL–Branch S-114,Brenda Higgins, Tampa, FL

Honorable Mention – “Reflection of Light” Reflection of crystal fixture–Branch S-522,Viera Fricky, Richmond Hts., OH

Honorable Mention – “Evening Embers”–Branch S-344, Rick Maro, Youngstown, OH

Honorable Mention – “Black Sand Basin Erupts” Yellowstone National Park, WY–Branch S-287, Rosa Knizner, Alton, IL

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MISCELLANEOUS NATURE (Continued)

SKIES/SUNSETS/TROPICAL1st Place (tie) – “Paradise” Key Largo, FL–Branch S-524, Patty Freaney, Avon, OH1st Place (tie) – “Fractured Sky” Ft. Meyers, FL–Branch S-081, Stephen Zabrecky, Fort Wayne, IN2nd Place (tie) – “Sunset in the Maasai Mara” Kenya–Branch S-590, Judith Figura, Pittsburgh, PA2nd Place (tie) – “Sunrise in Alger, MI”–Branch S-409, Michael Devore, St. Augustine, FL

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SKIES/SUNSETS/TROPICAL (Continued)2nd Place (tie) – “Molokai at Dinner”–Branch S-191 Sandra Klucar, Akron, OH3rd Place (tie) – “Fading Winter” Upper Peninsula of Michigan–Branch S-180 Noah Clements Belmont, MI 3rd Place (tie) – “A little bit of Galapagos Paradise” San Cristobal Island–Branch S-424 Deb Dubina, Canonsburg, PA Honorable Mention (tie) – “Fire in the Sky” Orange Park, FL–Branch S-081 Daniel Senko, Orange Park, FLHonorable Mention (tie) – “God’s Wonders” Wichita, Kansas–Branch W-133 Rosemarie Vogel, Wichita, KS

OVERALL BEST PHOTO“The Peace Maker”MysonBillisalocalpoliceofficer–thisishismotorcycle,heridesforthetownship.Branch S-088 Linda Oslik, Pittsburgh, PA

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TheChicagoAnnaHurbanDistrict hosted its annualscholarshipawardsluncheonforitstwentyChicagoDistrictScholarshipwinnersandtheirguestsonSaturday,June23,2018attheMayor’sMansion(formerlyEuropeanChalet)inChicago,IL.TheDistrictandBranchOfficersandmemberscongratulated thescholarshipwinnerson theirscholasticachievements. LorraineGibas,AnnaHurbanDistrict ofChicagoPresident,reportedthatforthe2018-2019NationalScholarshipProgram,theFirstCatholicSlovakLadiesAs-sociationawardedtoitsmembersfromfirstgradethroughandincludinggraduateschoolatotalamountof$268,500.ThetwentyChicagoDistrictscholarshipwinnersreceivedatotalof$24,500andthebreakdownofthewinnersareasfollows:threeelementary,twohighschool,twelvecollegestudents,andthreegraduatestudents.Thetwentyscholar-shipwinnersare:EvanJ.Jurcenko(J096),LukeA.Braun(J106),SamuelP.Bugner(J174),MalinaE.Zolna(J322),ZacharyW.Starzyk(J339),NatalieHelenDuck(S046),NoahP.Clements(S180),JacquelyneA.Miksanek(S181),TylerJ.Miksanek(S181),JosephF.Bajek(S287),BrendenA.Butler(S287),DawnR.Fowler(S287),EmmaL.Minelli(S287),JohnM.Benckendorf (S295),HaileyA.Bruining (S421),ElizabethA.Hermosillo(S485),DanielM.Hudziak(S485),AlinaM. Lehocky (S485), Vincent Leo LoCascio (S485)andAshleyA.Wojciechowski(S485).AstheawardeesinattendancewerecalleduptoreceivetheircertificatefromtheDistrict,ashortfamilyandscholasticbiographyofeachwinnerwasreadaloud.TheChicagoDistrictisveryproudtoannouncethatforthefirsttimeinitscollectivememory,threeofitsNationalScholarshipwinnersaregraduatestudentsinthesameyear:TylerJ.Miksanek(S181),AlinaM.Lehocky(S485)andVincentLeoLoCascio(S485),withtwoofthembeingpreviousscholarshipwinnersfromthesamebranch.TheChicagoDistrictisproudofallourscholarshipwinnersandwishesthemcontinuedsuccessintheirstudies.

WhiletheDistrictcelebrateditsscholarshipwinners,at-

Anna Hurban District of Chicago Holds Annual Scholarship Awards Luncheon

L-R: Luke A. Braun, Malina E. Zolna, Emma S. Minelli, Evan J. Jurcenko, Alina M. Lehocky, Hannah N. Palmer, Brenden A. Butler, and Joseph F. Bajek.

District Officers and Scholarship Winners.

tendeestothemeetingwerealsoencouragedtobringitemsforOperationHelpaHerotoassisthomelessVeteransinChicagosetupbasicitemsastheytransitionfromshelterortransitionallivingtopermanenthousing.(Toseeadditionalphotos from thisevent go to: http://www.fcsla.org/district/chicago/gallery.php)

FIRST CATHOLIC SLOVAKLADIES ASSOCIATION

NOVEMBER2018 19

District Sales Meeting Held

OnSunday,August19,2018,District14heldameetinginWest,TX.NationalSalesManager,AlHeiles,made an informationalsalespresentationontheFCSLAproducts.

Branch W045 Annual Membership PicnicTheannualmembershippicnicofBranchW045,CedarRapids,IAwasheldonSunday,July29,2018inGlovik

HalloftheSt.WenceslausGymbuilding.Wehad75membersattendthepicnic.ThefestivitiesstartedwithBingoat2:00p.m.andthemealwasservedat4:00p.m.Therewere15differentBingogamewinners.Adeliciousmealwasprovidedforallattendees.Raffleticketsweresoldanddrawingswereheldafterthemealwith13peopleeachreceiv-ingacashprizeof$20.00.

My Mom just won Bingo! The early Bingo players.Chatting after Bingo, waiting for the food to be served.

Anna Hurban District of Chicago

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CHRIS AARON WINS FIRST PRIZE

ChrisAaron(J175)ofMt.Prospect,ILwon first prize in theScience Fairwithhisteaminschool.Theirtopicwasexplaining about aSuperNova.TheyhadrecreatedalookoftheSuperNovaandalsousedpostersandacomputer.Healsowasonthehonorroll.Heisnowin8thgrade.

The photo at right is of his proudMomPattie(Wos)AaronandChris.TheyaremembersoftheFCSLAofChicago,IL.Chris is a 7th generationmember,his very proudNanaCathy (Svihula)WosofMadeiraBeach,FLandhisAuntCathyWosofSt.Petersburg,FL.TheyhavethreegenerationsthatcamefromSlovakiaandweareallveryproudtobeofSlovakdecent.

Elie (center) is pictured with her Mom Sherry and sister Sara.

Ohio District Scholarship DinnerYoungstown,OhioDistrictofFCSLA

heldtheirscholarshipdinneratAvionontheWaterinCanfield,OH.

TheSeniorBranchwinnerswereal-readyattendingcollegeforthesemes-terandcouldnotattendtheluncheon.

The Puhalla family with their daughter Alyssa a Branch 231 scholarship winner.

Carol Dumez, Branch 231 Secretary/Treasurer, representing her great-niece Amber Schultheis, S169 winner; Alyssa Puhalla, J231 winner and Dolores So-noga, S169-J231 Branch President, representing Cole Kusnierz-Compton, another S169 winner.

Newest Member Maya Arnold

Joins Branch 376MayaGraceArnold,bornJune8,2017

joins HelenGlocka (great-grandmother),SusanneGlocka (grandmother) and Jen-niferGlockaArnold(mother)asamemberofBranch376,Milwaukee,Wisconsin.Hergreat auntNancyGlockaDanhauer, auntAngelaGlocka Lois and cousinsAdelaideandAugustLoisarealsoFCSLAmembersofBranch376.

Jr. Branch 317 Member Graduates 8th Grade

ELEANOR MARIE ANDERSON, daughterofTimandSherryAndersonofSchererville, INgraduatedfromSt.MichaelCatholicSchoolonMay25,2018.Eleanor(Elie)isalifelongmemberofJr.Branch317andhasbeenveryactive

in branch activities.She helped inJoinHandsDay,caroledatanursinghome,helpedattheSlovakDaybakesale and did cantering atMasses.ShealsosangwithhercousinsAvaWidiger, BrynneWidiger andBar-baraTrelowhoarealsomembersofBranch317attheSr.Branch409’sChristmasparty.Eliewillbeattend-ingMarianCatholicHighSchool inChicagoHeights,IL.SheislookingforwardtoplayingtheclarinetinMar-ian’sincrediblemarchingbandwhichshe started to playinfourthgrade.

Branch W093 Christmas Party

December 2ChristmasPartyat12noon,

BesedaHall,Tabor,SD.Potluck,cookieexchange,meeting,honor50yearmembersandscholarshipwinners, games and refresh-ments.AnyquestionspleasecallSecretaryJoyceSestakat605-463-2268.

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PresidentMaryJoNoyesandallmembersofSr.Branch376and Jr.Branch334,Milwaukee,WI,welcomedpastPresidentKathyDorfnerassherecoversfromthreestrokessufferedlastyear.VicePresidentDorfnerthankedeveryonefor their prayers, cards, flowers, visits, andwell-wishes,includingthosefromtheNationalOffice!"Thesethingsandthepatience,loveandsupportofmydaughter,Dawn,son,Dave,familyandfriendsarewhathavegottenmethroughthishorrendoustime!"

MinuteswerereadbyDanielLoduha,andKathyValentpresentedtheFinancialReport.PresidentNoyesremindedmemberstochecktheJednotaforspecialeventsandoffers.Memberswerethentreatedtoadeliciouslunch,followedbyasinfulpoppyseedcake!Garden-themeddoorprizeswerecreatedbyMaryPetersonandraffledoff.

Before themeetingwas adjourned,memberswere

Sr. Branch 376 and Jr. Branch 334 Hold Spring Meeting

asked to keep deceasedmembers and sickmembers,especiallyDrewPrice,intheirprayersandtonotethattheannualChristmaspartywillbeheldonSaturday,December8,2018,startingat11:30a.m.

Attends Annual Indiana Fraternal Alliance Meeting

Sevenmembersof theHelenKocanDistrictat-tended120thAnnualMeetingoftheIndianaFraternalAlliance,onAugust23-24,2018inKokomo,IN.

TheFraternalCauseProjecttookplaceatJacksonStreetCommons,builtin2014.JacksonStreetCom-monshouseshomelessanddisabledveteransin27units.Veteranspay30%oftheirwagesandstayuntiltheyarereadytogoontheirown.Theyalsohavetheirowncarsandmanyhavebicycles.MembersplayedBingowiththeveterans,touredthefacilityinsideandthegardens.AlltheresidentsreceivedgiftsprovidedbytheIndianaFraternalAlliancemembers.Itwasenjoyedbyallthatattended.

RossWaltemath,HowardCountyVeteransSer-vicesDirectorspoke tousonbenefits forveterans,andaskedustosupportourownlocalveteranorga-nizations.

KeithWard,CommunityOutreachManager ofUnitedCommercialTravelerspresentedatalkonwhytojoinafraternal.Hetoldusaboutgettinginvolved,changewiththetimes,makemeetingsfunandpub-licizeevents.

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BALANCE SHEET AS OF JUNE 30, 2018ASSETS Cash&ShortTermInvestments $ 34,697,521 Bonds 911,755,073 PreferredStock 2,253,102 CommonStock 7,025,410 InvestmentIncomeDue&Accrued 13,575,925 PropertyPlant&Equipment,Net 5,190,798 CertificateLoans&AccruedInterest 2,917,938 OtherAssets 1,220,442 TOTALASSETS $ 978,636,209LIABILITIES LifeReserves $ 298,355,386 AnnuityReserves 553,332,030 DeathClaimsPayable 2,562,564 UnearnedPremiums 493,967 MaturedEndowments 331,725 ProvisionforDividendsPayable 1,400,000 AccumulatedDividends&Interest 4,666,606 AccruedConventionDonations 672,000 ProvisionforFutureConventions 445,796 AssetValuationReserve 8,268,824 InterestMaintenanceReserve 1,260,108 OtherLiabilities 1,427,339 TOTALLIABILITIES $ 873,216,345 Surplus $ 105,419,864 TOTALLIABILITIESANDSURPLUS $ 978,636,209

INCOME STATEMENT For the Six Months Ending June 30, 2018

REVENUE InsurancePremiums $ 1,814,305 AnnuityPremiums 18,448,397 InvestmentIncome 23,007,498 AmortizationofInterestMaintenanceReserve 114,184 RentalIncome 184,309 OtherRevenue 447,110 TOTALREVENUE $ 44,015,802EXPENSE IncreaseinReserves—Life $ 717,386 IncreaseinReserves—Annuity 13,538,508 InsuranceBenefits 3,440,439 AnnuityBenefits 15,627,577 CommissionExpense 545,350 SurrenderBenefits 2,184,542 PostMortemBenefits 670,090 MiscellaneousMemberBenefits 52,083 MaturedEndowments 15,542 DonationExpenses 46,060 ChangeinAccruedConventionDonations 126,000 ConventionExpenses 100,002 BankServiceCharges 48,397 DataProcessingServiceFees 167,867 AccountingFees 80,339 ActuarialFees 195,358 LegalFees 21,865 ConsultingFees 52,511 BranchandDistrictFunding 400,752 FraternalActivities 31,037 OfficialPublications 241,337 ScholarshipAwards 142,998 MiscellaneousEmployeeBenefits 238,119 Fees—Directors 83,401 Salaries—Employees 976,796 Salaries—Officers 265,682 InterestExpense 164,210 TaxExpense 105,047 DepreciationExpense 110,704 UtilityExpense 48,159 PostageandPrinting 135,747 Advertising 49,037 TravelExpense 52,206 InsuranceDepartmentFees 49,560 SalesPromotion 82,148 RentalExpense 189,995 OtherExpense 357,792 TOTALEXPENSE $ 41,354,640

Income (Loss) from Operations $ 2,661,162 DividendstoMembers 694,333 Subtotal Income (Loss) $ 1,966,829 CapitalGains(Loss) 3,425 NET INCOME (Loss) $ 1,970,254

SANTA’S DOGJohn Giannini

( S161 ) , r e t i r e dLieutenantColonelintheArmyReserve,has been a member of FCSLA for overfifty years.HiswifeJoAnn has writtena Christmas book,SANTA’S DOG,aboutfamily,loyaltyand a dog. Theythought this story would resonate with fellow FCSLAmembersandwantedtoofferaspecialdiscount.Ifyoulovedogs,ifyouhavefamilyinthemilitary,orifyoubelieveinSanta,youwillbetouchedbythisbook.

Inthisrhymingstory,readersfollowtheadventuresofSanta’sbestdog,Lance,whenhefallsoutofthesleighoneChristmasEve.He’stakeninbytheanimalshelterandthenbroughthomebyamilitaryfamilywhoneedssomehelpasDad is called to servehis country.WhenChristmasEvecomes‘roundthenextyear,LancemustdecidewhethertoreturntotheNorthPolewithhisfriendSantaorstaywithhisnewfamily.

AsJoAnnexplains:SANTA’S DOG is based on a true story! Early in our marriage when my husband was deployed to Iraq during Operation Iraqi Freedom, I didn’t like being at home myself and adopted Sampson, an older mixed-breed dog (part husky, part angel), from a kill-shelter in Las Vegas. Sampson became my best friend and kept me safe. One day after John had returned home from deployment, I brought Sampson to the veterinarian to get his ears checked because he didn’t seem to be able to hear me (why else wouldn’t a dog come immediately when called, right?) The vet assured me that Sampson was fine and explained that his behavior was typical of northern-breed dogs: they do things on their own time. I went home and told my husband what the vet said, and John declared, “Northern dog? Maybe he’s Santa’s dog and got lost from the North Pole!”

Getafreedoggiebandana(andfreemediamailship-ping)witheachbookpurchaseddirectlyfromtheDogs&Bookswebsite.ANDasaspecialoffertoFSCLAmembersonly, use coupon code FSCLAandget15%offyourorder!https://www.dogsandbooks.com/shop.

United Slovak Societies EventsTraditional Christmas Eve Dinner (Vilija)–Sunday,

December3rd, 5:30p.m., $22.00advanced ticket sales,opentothepublic.

Silvester Steak Fry–December31st,5:00p.m.-7:00p.m.,$25.00,advancedticketsales,opentothepublic.

The above events are held at theAmericanSlovakClub, 2915BroadwayAvenue, Lorain,OH.Tickets salesandreservationswillclose10daysprior to theevent.AllticketsandreservationscanbeobtainedbycallingPamat440/245-5146.

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PERFECT PECAN PIE3eggs2tablespoonsflour½cupwhitesugar¾ cup light corn syrup¾cupdarkcornsyrup¼teaspoonvanilla2 tablespoons melted butter¹/8 teaspoon salt1generouscupchoppedpecans

Preheat oven to 425 degrees. In amedium-sizedbowl, beat three eggs (byhandorwithamixer)untilwellcombined.Addflourandmixwell.Addwhitesugarandcornsyrups;mixwell.Addvanilla,meltedbutterandsalt.Withaspoon,stirinpecans.

Pourmixtureintoaprepared9-inchpieshell.Arubberspatulaworksbesttoensureyougetallthefillingfromthebowl.Bakeat425degrees for 10minutes, then reducetemperature to325degreesandbake foranadditional40to45minutes.Thepieisdonewhen thecenter is justsetand it isgoldenbrown.

Coolpiecompletelybeforeserving.

PUMPKIN MUFFINS 1cupbrownsugar½cupsugar½cupbutter,softened1egg,beaten¾cupcannedpumpkin¼cupwalnutsorpecans,chopped2cupsall-purposeflour¼teaspoonbakingsoda1teaspooncinnamon1tablespoonbakingpowder¾ teaspoon salt½cupmilk

Preheatoven to375degrees.Greaseorsprayastandardsizedmuffinpanwithnon-stickcookingspray.

Creambutterandsugarswithamixeronmediumspeeduntilfluffy.Beatinegg.Addpumpkinandnuts.

Mixdryingredientstogetherwellandaddtopumpkinmixtureinthirds,alternatingwithmilk.Blendjustenoughtomixingredients.

Spoon into preparedmuffin pan andbakefor20minutes.

BEST APPLE CAKE EVERBakingspraywithflour,orshorteningandflourtogreasethepanFor The Cake3cupsall-purposeflour1teaspoonbakingsoda2 teaspoons cinnamon½teaspoonnutmeg½teaspoonsalt1½cupsvegetableoil1½cupsgranulatedsugar½cupbrownsugar3eggs2teaspoonsvanilla3largeapples,peeledandcutinto large pieces1cupchoppedwalnuts(optional)For The Glaze3tablespoonsbutter3tablespoonsbrownsugar3tablespoonsgranulatedsugar3tablespoonsheavycream¼teaspoonvanilla

Preheatoven to325degrees.Greaseandfloura12-cupBundtpanandsetaside.

Inalargebowl,sifttogetherflour,bakingsoda,cinnamon,nutmegandsalt.Sifttwoadditionaltimesandsetaside.

Inthebowlofastandmixer,combineoilandbothsugars,andmixuntilwellblended.

Add eggs one at a time,mixing thor-oughlyaftereachaddition.Addvanillaandmixagain.

Add the sifted dry ingredients to thebatter andmix thoroughly.By hand, foldinapplesandwalnutsandmixuntilevenlycombined.

Spoonthebatterintothepreparedbundtpan.Bakefor1hourand15minutesoruntilatoothpickinsertedintothecenterofthecakecomesoutclean.

Removecakefromtheovenandallowtocoolinthebundtpanfor20minutes.

While thecake iscooling,prepare theglaze. Inasaucepan,overmediumheat,combinealloftheglazeingredients.Bringtoaboilandallowthemixturetoboilfor1minute.

Remove the cake from the pan, ontoaservingplate.Spoontheglazeoverthewarmcake.Cool fora little longerbeforeserving.

QUICK AND EASY CHEDDAR POTATO

CASSEROLE3½cupswater½cup(1stick)butter

1teaspoonsalt½teaspoonblackpepper3½cupsinstantpotatoflakes¼cupfinelychoppedonion1½cups(6ounces)shreddedsharp Cheddar cheese½cupheavycream

Preheatovento350degrees.Coatan8-inch square baking dishwith cookingspray,setaside.

Inalargesaucepanoverhighheat,bringwater,butter,salt,andpeppertoaboil.Re-movesaucepanfromheatandstirinpotatoflakesandonion;mixwell.

Spoonmixtureintobakingdish.Sprinklewithcheeseandtopwithcream.Bake35to40minutes,oruntilheatedthroughandtheedgesaregolden.

CRISPY SWEET POTATO BAKE

1(48-ounce)cansweetpotatoes,drainedand mashed¾ cup sugar¼cup(1/2stick)butter,melted2 eggs½cupmilk1teaspoonvanillaextract½teaspoonsalt1cupcoarselycrushedfrostedcornflakescereal

Preheat oven to 375degrees.Coat a3-quartcasseroledishwithcookingspray.

Inalargebowl,combineallingredientsexceptcornflakes;mixwell.

Spoon into prepared casserole dish.Sprinkle corn flakes evenly over potatomixture.Bake 35 to 40minutes, or untilfirmandgolden.

ROASTED BRUSSELS SPROUTS

1½poundsBrusselssprouts3tablespoonsextravirginoliveoil¾teaspoonkoshersalt½teaspoonfreshlygroundblackpepper

Preheatovento400degrees.CutoffthebrownendsoftheBrusselssproutsandpulloffanyyellowouterleaves.

Mixtheminabowlwiththeoliveoil,saltandpepper.Pourthemonasheetpanandroastfor35to40minutes,untilcrispontheoutsideandtenderontheinside.

Shakethepanfromtimetotimetobrownthesproutsevenly.Sprinklewithmoreko-shersalt,andserveimmediately.

Traditional Seasonal Sides!

11/18

PERIODICAL

The FCSLA Mission StatementWe provide financial security to our members

while embracing our Catholic values and Slavic traditions.

The FCSLA Vision is to:Be a Premier Fraternal Benefit Society

that offers quality financial products and benefits.