ER2002 4-7

Spotlight 7-9 Our membership reports on the fall's activities.

2002 cholarship Info 10 WSA Lodge donations for the summer.

F'lftaftci 4

eport 11 2001 3rd Quarter Financial Report

oard ee 12 Summary of the Meeting of the Board October 6, 2001

Tom.oft w Aembers 13-14 Join the WSA Tomorrow Members helping others and having fun.

Fraternal • peline Upcoming events at WSA- Don't miss out!

~~t,ylnterest ates 1sT Quarter of 2002

15

Existing Deferred Annuities 5.250/o This is the renewal rate for owners of 1 year guaranteed WSA Deferred Annuities with anniversary dates in January, February, or March.

New Deferred Annuities 6.500/o Includes a first year interest bonus of 1.25%.

New Five Year Deferred Annuities This interest rate is guaranteed for five years.

New Immediate Annuities Annuitize Existing Certificates

Surrender charges are waived.

5.75°/o

5.25o/o 5.00%>

These rates are subject to change at any time. Please call the Home Office for current rates. WSA reserves the right to refuse new or additional deposits at any time.

Please call the Home Office prior to sending deposits.

Published quarterly in the interest of and for dle progress, good and welfare of WSA Fraternal Ufe. Also to promote and maintain a

mutual and fraternal undetStanding between aJ1 m~mbers, to unite our whole membership, and to develop

a fraternity, brotherhood and cooperation to tbe highest degree.

Subscriptions by Jnembership only.

1ina Scribner Managing Editor

Shannon McCauley AssistanT Editor

Tony Metielicb Ann Mobilia

Leonard Tezak

BOARD OF DIRECTORS: John J. Kogovsek Chainnan Diana Bartolo Vice-Chainnan Gary Moore Director Lisa Povich Director Cynthia Conte Director Roger P. Lewis Director Rocco Santangelo Director Micheal R. Osborn Director Randy R. Fuss DirectorfPt:esident/CEO

ARTICLE AND LETTER SUBMISSIONS

All articles and letters submitted for publication must be legible or

typewritten and must reach the Editor no later than the first day ·

of the month prior to publication.

Postmaster Send address c.hanges to:

WSA Fraternal Life Fraternal Voice Editor

9025 Grant St., Suite 201 Thornton, Colorado 80229

Periodicals Postage Paid At Thornton, Colorado

WSA Helps Out:

WSA and its Lodges support many organizations and causes. Each newsletter we will feature these agencies which have received donations in the past quarter,

because we feel it is an important part of our fraternal organization. If you know of any groups which may be in need of our help, please contact your Lodge. Let's make this list grow!

· ····r ' '

• Salvation Army Soup Kitchen

• The Thtor Center of Lovelandl ,

• St. John's School

• University of Colorado • Arthritis Foundation • American Red Cross • House of Neighborly

Service

• Meals on Wheels Loveland "

Great, Ne~ Benefit, Over the next year WSA will introduce many new benefits to our members.

Don't miss out on these exciting new beneflts. WSA Fraternal Life will supply to it's members a First Aid Kit at a

subsidized cost. These will be great for your home, or car -something many of us never seem to have around when needed.

The complete kit includes:

+ Adhesive strips (3/4" x 3") + Scissors - Para-med 5-1/2" + BZK Towelettes + Triangular Bandage (37"x 37") YouR co +Gauze pads (3"x 3")- + Abdominal Pad (S"x 9") $1Qosr

2 per envelope + Gauze Roll (2"x 5-yd) 0 + Non-adherent pad (2"x 3") + Adhesive Tape (1/2"x 2-112-yd) ~6CLUDEs + Emergency blanket + Sting Relief Pads 5

TAGE

+ Butterfly Closures + Island Dressing (2"x 3") + Cold Compress - small + Knuckle Bandage + Forceps - pla.stic + Latex Glove Pack - 2 per poly + Eye Pad- oval + Iodine' Ointment (1.5 gm- pdi) First Ai<;l Manual

All Packed in a Convenient Red First Aid Bag

Call the Home Office to "get more informati'ott.on thisj"new; ffaternal: benefit. 1'-800-45-:li' -:-7528~- or 303-4S:Jr~ ~~-494·

I would like to thank you for your contribution to St. Anthony's CYO. This money helped kids from St. Anthony's to grow closer to Christ this summer.

Thank you, Tom Doborynki Youth Minister

~ ( ~ ~ t

DearW5A: The Pueblo

Animal League gratefully acknowl­edges your generous gift. This will enable us to care and provide homes for the lost and abandoned dogs and cats of Pueblo city and county.

Gratefully, The Pueblo Animal League

DearWSA: Can't thank you enough for being

so kind. Your thoughtfulness will be remembered for a very long time.

Thank you so very much, Kusa Trayalr,

Patty Crlstelll, Shelley Tezel, P.A.L.

Director

Dear W 5A: Thank you very much for the delightful Halloween bags

you prepared for all of our Meals on Wheels clients. I con­tinue to receive compliments about the bags as I speak with clients each day. One client described her anticipation in advance of Halloween. She has received one of your bags the last three years and said she felt like a child awaiting a surprise, wondering if she should receive a bag again this year, and if so, what it would contain. She joyfully relayed her evaluation that she was not disappointed. "This was the best bag by far! "

The colorful Mylar bags were definitely a topic of conver­sation. They thought they were wonderful! Many thanks have been relayed for the contents of kh~:3iJ~~ the bag. They definitely appre­ciated the useful items. Several called while sipping on the cup of hot spiced cider. That was a favorite treat.

One client described the day as starting off with intolerable • pain. "Everything ached and hurt, but you know that little bag did wonders for me. I was so surprised and pleased to receive the trick or treat bag that I became engrossed in its contents and I started working on the little word search book and eventually I realized that I hadn't even thought about any aches or pains and felt so much better! ' She kept repeating her thanks.

One WSA volunteer driver shared her own pride in being able to deliver the bags to her clients, share in the pleasure they brought to the clients, see the sparkle in their eyes and the anticipation they evidenced as the treasures tumbled out of the bags.

It was a real pleasure to be invited to share information with your members. Congratulations on the amount of parental support your youth have. I hope they had as much fun putting the bags together as our clients did opening them. They really did make Halloween very special for our clients. Thanks to each of you. We will look forward to part­nering again next year.

Sincerely, Marita Hafner

Director, Meals on Wheels

~ '

Aenlbers Write: Dear WSA:

My family and I would like to thank you for WSA's sponsorship of the Kasic Memorial Tennis Tournament. Unfortunately none of our immediate family was in Pueblo during the tournament but we were told that it was a great success thanks to the pro­fessionalism, dedication and support of the WSA mem­bers.

Jim Jr. and family were in France on business, Mike is a pilot in the Air Force, Brian is in Australia and John works in Virginia. I was in Seattle on business.

My family and I are proud of WSA's endeavors throughout the state and honored to have the tourna­ment as a memorial to my late husband who was a member of WSA all of his life. Thank you again for your generous sponsorship.

DearWSA:

Sincerely, Gail Kasic

Thank you so much for your generous contribution ,, in the fight against Breast Cancer. I received many let­ters with encouraging words, prayers, and prayer requests. I received 52 pledges totaling $2840! I could not have done it without Y;OU. I was overwhelmed by the extremely generous gifts ...

The 3-day walk from Kenosha to Chicago was a success. The total new amount raised was $6.5 mil­lion. This entire amount will helps educate, research, and test this horrible disease and to help women with undetected 'breast cancer find out early enough to sur­vive. Cancer has effected so many of our lives. It has personally touched our family. We have felt so help­less as our loved ones could not fight any longer. Even the strong can't always survive. I lost my sister April 10 to her battle with cancer. I have watched my Mother-in-law to continue her battle.

I walked every mile with your names and the names you gave me on my shirt and also in my prayers.

I walked all 60 miles without even a blister on my feet! I knew there were many Angles with me helping me carry my heavy heart, my broken spirit, cluttered mind and encouraged my tired feet to move. The inspiration and hard work of 700 volunteers and crew members, the people with signs along the way, kept us

DearWSA: The Ely chapter of the N.E. Arthritis Foundation

wish to thank you for your donation. As you know when you presented the check to us at our Ely Arthritis Education and Support Group Meeting on October 17th, how happy we were to receive this donation.

Our primary need for money is for research for a cure for the 100 different types of arthritis. However, donations also help in making available to our mem­bers new publications which will help them understand arthritis.

Thanks again. It is groups like yours that help us in our effort to cope "living with Arthritis".

Sincerely, Loretta Zabinski, Auna 6obence,

Helen Latva, Molly Logar and Rosemary Vesel

Ely Arthritis Group Leaders

. ' motivated. ldl,d fantastic and felt L ' could of kept walking 60 more miles. I met so many incredible people. There were young women who were survivors, men walking for their wives in deep thought, as well as people walking for their Moms, Daughters, Sisters, Aunts, Grandmas, Cousins and Friends, just as I was. There was laughter, tears, hugs and I even found spiritual , · singing and Holy Mass. Each night we would walk into a full Mobile City. There were thou­sands of tents. They had medical tents with Dr.'s and RN's, (even free massages), a general store, hot show­ers, and a giant dining tent with terrific homemade meals and live entertainment. It was AWESOME!! We all had a common bond to cross the finish line togeth-

. er, through fatigue, sprains, dehydration and pulled muscles. WE DID IT!! I could not have done it with­out you!

May God Bless you and yourramily always with health, love and peace. Thank you with all my heart for your generosity.

Love, Cindy Conte

Dear W 5A: I would like to thank you for all

you have done for me, in furthering my education.

Thank you for all of your help. Sincerely,

Joshua Molinaro

Dear W SA: On behalf of the members of The

American Bear Association and vol­unteers at the Vince Shute Wildlife Sanctuary, we would like to express our deep appreciation for your gen­erous donation.

The contributions we receive help us continue our work in promoting respect for the black bear, other wildlife, and the importance of habi­tat. The Vince Shute Wildlife Sanctuary is our open-air classroom where visitors can come to experi­ence the 'magic" of the bears. Here people witness a wide range of behavior and gain new understand­ing of the black bear and its habitat. This understanding can help prevent the creation of "nuisance" bears and avoid their needless deaths.

Thank you for your support and most of all, thank you for caring.

· Sincerely, Kimberley S. McGrath Staff of The American

Bear Association

•

ds DearWSA:

A very sincere thank you for your assistance in helping me reach my educational goals through the WSA scholarship Program's Continuing Education Grant. I truly appreciate your support of my efforts and continue to work hard to be a successful student. Thank you for having such a great pro­gram!

DearWSA:

Sincerely, Allison L. Aman

We would like to thank you for your support to the supper club. If we didn' t have the donations and volunteers and workers, many adults would go without a hot meal in the afternoon. Your gift has helped your ~alvation Army share with those in need. May God's love touch you and fill your

5

heart :with joy. God Bless You,

DearWSA:

The Salvation Army Vtreinia, Minnesota

Thank you for the scholarship towards my continuing education. The money will be very useful at the University of Northern Colorado. I sincerely appreciate it.

Dear W SA:

Thanks again, ianeisha Pechek

As I finish the second week of the Fall 2001 Trimester at Fort Lewis College, I am full of excitement and curiosity that marks a new school year. While I walk amongst the bustle on campus, I cannot help but feel indebted to you. This is my second year at FLC and I am a junior. Transferring to FLC was the best decision I have ever made. I feel like I am really at home here and getting a remarkable eduction.

I would like to take this opportunity to extend my earnest thanks to you for your contribu­tion to my education. I truly would not be able to be here without your generosity. You have my sincerest thanks and my word that I will do everything to make the most of your gift. I am so very proud to be a member and have the support of the Western Slavonic Association!

Sincerely, Devon M. Sadar

Dear WSA: The Ely Fire Department would like to express our

sincere thanks for your financial support of our Fire Safety Education Program.

It is our sworn duty to provide the Ely community with the level of fire protection and life safety the pub­lic expects. You have recognized that we desperately need to reach our children with accurate and vital facts that will educate and help them grow as safe, happy and responsible citizens. The materials we have carefully selected were developed exclusively by the National Fire Safety Council, a non-profit, tax-exempt organiza­tion. Because of your generous support, we are able to provide this well-rounded Fire Safety Education Program. Without your help this could not have been possible.

~,,. j Words fail to express how wonderful it is for us to ,,

see such community support as yours for our children. We sincerely appreciated your efforts on behalf of

the youth of our community. Thanks again, on behalf of the Ely Fire Department

and all the young people who will be touched by your helping hand.

Yours in Safety, Service and Protection, Gary L. Klun

Fire Chief

~---~-.-u~•w~~-~~-~~-~~~~••••••a~

----otlight. on. WSA

Pueblo Youth Services Receives Benefit from the WSA Junior Department Junior Department Advisor Roger Lewis presents a check to Mary Joy Kogovsek for the Pueblo Youth Services Bureau.

WSA Tomorrow M.embers Enjoy a Great Day at the Colorado State Fair

These lucky WSA Tomorrow members

had a fun time at the Colorado State Fair

last August. The group car pooled to Pueblo,

enjoyed a picnic lunch, and packed in a

great aftemoon of activities at the Fair.

WSA Junior

.Member Jason

Simms· Lee

Wtns Ernstll Young

Entrepreneur of the Year Award

Joan Simms' grandson Jason travelled to Palm Springs in November as a finalist in the Ernst & Young Entrepreneur of the Year award. WSA would like to congratu­late the fifteen year old as the winner of that prestigious award.

7

Lodges #3 BL #16 Team Up to Bene&t Pueblo Charities

Lodge #16 members present a

check to Sister Nancy for Migrant Farmer

Families from Mexico.

Lodge #3 members presents Sister Nancy another WSA benefit check for Mexican Migrant Farm Families.

1he Pueblo ArUmal League Receives Gifts · from Both Lodge #I and Lodge #1

Puebw Animal League officer accepts .a

financial gift from wdge #16 members

'\ }

nWSA

Lodge #1 members and guests enjoyed the Musical "Titanic" at the Country Dinner Playhouse last September. Waiting for the show to begin is: Tony and Mary Mehelich, Helen Skrabec, Zora Sadar and Joe Skrabec

Blackhawk Is Always A Fun Destination

l.~' ' j l

........ >! 4·· ,,,,_.,. , .

. ZJ '

For Lodge #41 Lodge #41 members Fred and Ester Hosick, Jim Tekavec and Cathy Taylor are set and "rarin' to gamble." All-in-all 47 members and guests took the bus to Blackhawk and enjoyed the buffet and a day of fun last July.

Lodge #41 And Lodge #1· urray For Leadville Days! .

August saw the Lodge #41 members travel to Leadville for the annual Burro races. Besides the race, our members enjoyed craft an'd food

booths. Waiting for the action to begin are: Jim Tekavec, Barbara Peitrafeso, Carol Rondinelli, Marsha Lutes,

Mike Rondinelli and Bill Pietrofeso.

Lodge#7 Gathers to

"Share" Twenty-three Lodge #7

members gathered at Share Colorado to help

needy families. The members packed

food for families in the metro area.

10

2002 Scholarship Info ear2

c The 2002 WSA Fraternal Life Scholarship Program

has been revised from prior years. Please read the qualifications carefully and submit all required documentation with this application.

To qualify you must: • Currently be a member of WSA Fraternal Life and • Have been a member for the last two years continuously and • Provide:

• A copy of your High School transcript reflecting a minimum 2.0 overall GPA (based on a 4.0 schoring system) and verifying your graduation in the year 2002.

• A letter of acceptance from an accredited college or university for the ensuing year. • Three letters of recommendation from teachers and/or school administration personnel. • A recent photograph suitable for publication. • An official application, completed and signed by project leaders and/or coordinators

documenting 40 hours of community service during your Senior Year.

Contact the Home Office or visit our web site at: www. wsa- life.com to receive a copy of the Scholarship Application

Applications mast be re<3eived by the Home 011i.(3e on, or before, June 30, 2002

Please contact your society headquarters or visit the NFCA website at www.nfcanet.org for more information.

If you are reading this, then you probably belong to a fraternal benefit society. Because your society is a

member of the National Fraternal Congress of American (NFCA), the association of America's Fraternal Benefit

Societies, then you can be one of: ·

• 8 Volunteer Scholars to win up to $:3,000 • 11 Honorable Mention Recipients

to win up to $1,000

The scholarship is directed to graduating high school seniors who have shown a commitment to performing

volunteer service in the community.

Application Deadline: February 28, 2002

NATIONAL FRATERNAL CONGRESS OF AMERICA

Celebration by the Ocean Scenes from the Junior and Adult Christmas Party

m~Jn/~ers Rocco and Clwyl Santag~lo cekbT'tJU with IMirguesa

Santa came to present gifts and take

Christmas requests.

Alex and Samantha Thorfinson enjoyed the interactive

g~s. Cindy Conu, Marp Uwil and John Kogo•11k

joilud 1M /u&

Quarter En.ding September 30,2001

AssETS BONDS $4,457,707 STOCKS 0 MORTGAGE LOANS 14,670,336 REAL ESTATE 5,493,431 CERTIFICATE LOANS 328,1 08 CASH & SHORT TERM INVESTMENTS 5,694,593 OTHER INVESTED ASSETS 1,934,474 EQUIPMENT 14,684 DEFERRED PREMIUMS 782 INVESTMENT INCOME DUE 632,769 DEFERRED TAX ASSET 712,532 INCOME TAX RECOVERABLE 150,534

CERTIFICATE RESERVES

AMOUNTS LEFT ON DEPOSIT

CLAIM RESERVES

$19,965,214 3,030,793

35,000 301,000

47,236 12 MONTH REFUNDS ESTIMATED

ADVANCE PREMIUMS

INTEREST MAINT. RESERVES

GENERAL EXPENSES PAYABLE

TAXES, FEES, LICENSES PAYABLE

TRUSTEE WITHHOLDINGS

UNEARNED INVESTMENT INCOME

ASSET VALUATION RESERVE

TAX LIABILITIES

BORROWED MONEY

9,017 701,383 179,791 388,649

16,169 1,516,501

0 0

12

Meets Su Th

mary Of Meeting

Of The Board Octo . er 6, 2001

Chairman John IJ(ogovsek called the meeting of the Board to order. All Directors were present. ..

Chairman Kogovsek welcomed all those in atten­dance and asked the Board to pause in remembrance of deceased Honorary Director Mamie Pugel.

t • • • • •

Reports were given by the following individuals:

• Chairman of the Board John Kogovsek · • Vice President of Information Syst~ms Richard Perry • Vice President of Operations Tina Scribner • President Randy Fuss • Controller Tammy Kanary • Board Junior Department Advisor Roger Lewis

The Board performed the following actions:

• Approved the minutes of the meeting of the Board of Directors held July 14, 2001. • The Board made a motion to authorize the Finance. Committee to approve a donation

of WSA' s membership in · Sherman, LLC to the WSA Blue Planet Foundation should this donation benefit WSA Fraternal Life through tax saving~ without jeopardizing WSA Blue Planet Foundation's non-profit status.

• The Board made a motion to authorize the Finance Committee to approve the purchase of a building for the new Home Office of WSA Fraternal Life should it encounter the appropriate opportunity.

• The Board approved the minutes of the Finance Committee and ratified the actions of the Finance Committee discretion in 'hiring a new audit firm for audit year ending 2001.

• The Board approved a resolution to increase the origi~al signature requirement by the bank on WSA checks, increasing security measures, as well as on all outgoing wire

transfers.

~ No further business, the meeting was adjourned.

Copies of the minutes are available upon request from the Home Office.

to Ski!

We're making our Annual trip to ELDORA I When: February 2atli . ~M.'".

' i'' ~

Busses leave the Home Office at 7:00AM and head to Eldora ski resort. Lunch is provided and so are rental$ if you need them.

Busses will leave at 3:00 PM sharp to bring us all back to WSA.

There is no charge for Junior Members who have attended ,, two or more community service events in the last 12 months and

$20 for all other junior members (age 6 & under are free). Adults (ages19 and over) are $30.

Non-Members please contact the Home Office. For more info and to RSVP: Call Roger Lewis at: 970-66:3-05:3:3 ,

fax the form below to: 970-66:3-05:3:3, or e-mail us from the W58 web. ~ite at www. wsa-life.com

Parents: You must attend this, as well as all events with your Junior Member. WSA Tomorrow members not accompanied by an adult will not be allowed to participate in this or any WSA Tomorrow event. The staff of WSA Fraternal Life cannot be responsi­ble for the safety and well being of an unchaperoned child.

Thank You!

Eldora Ski Trip Reservation Form

NAME Example: Joe Skier

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6.

7.

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W5A Tomorrow is an organization which strives to help our young members become involved in their community and we reward

members with fun get togethers, scholarships, and the irreplaceable feeling of personalsatisfactior gained from fraternalism.

But we need to know ... what do you want?

Join us at our Year 2002 Tomorrow Members'

Planning Meetingl Let's come up with new event ideas and find out what you think we can do to keep pace with ever ~hanging youth concerns, plus plan

rewarding fun events that everyone will enjoy participating in.

• Do you kno~ of organizations you would like to see benefited?

• Do you have hobbi~s.(you would like to explore?

• Are there environmental issues you think W5A Tomorrow Me'mbers should address?

• Would you like to pursue answers to. educational or technological questions?

Become an active · p~rt

of WSA Tomorrowlll

RSVP to ROC7ER LEVVIS at: 970-663-0533

or RSVP on the web at: www.wsa-li-fe.cot11

I 7 8 8 9

II IS 18 19 20

4 12 12 IS 14 17 18 19 20 2S

6:30PM 5:30PM 5:30PM 5:30PM 6:30PM 6:30PM 5:30PM

!O:OOAM 5:30PM

6:30PM 5:30PM 5:30PM 5:30PM 6:30PM 5:30PM

6:30PM 5:30PM 7:00AM

4 6:30PM 12 5:30PM 12 5:30PM IS 5:30PM 14 6:30PM 18 lO:OOAM 17 5:30PM 18 6:30PM 20 5:30PM

HOME OFFICE CLOSED. New Year's Day.

Denver Lodge #7 will meet*

Loveland Lodges #17 & #72 will hold a joint meeting*

e

Pueblo Lodges #3 & #16 will hold a joint meeting at the S.R.D.A.*

Den~er Lodge #41 will meet at the Home Office*

Lodge #37 will meet at the Home Office*

Denv~r Lodge #6 will meet*

Denver Lodge #1 will meet at the Home Office*

Tom9rrow Members 2002 Planning Meeting

Minnesota Lodge #67, and Chicago Lodge #33 will meet*

Denver Lodge #7 will meet at the Home Office*

Pueblo Lodges #3 & #16 will hold a joint meeting at the S.R.D.A.*

Loveland Lodges #17 & #72 will hold a joint meeting*

Denver Lodge #41 will meet at the Home Office*

Lodge #37 will hold a meeting*

Minnesota Lodge #67, and Chicago Lodge #33 will meet*

HOME OFFICE CLOSED. President's Day

Denver Lodge #6 will meet*

Denver Lodge #1 will meet at the Home Office*

Tomorrow Members Annual Ski Trip to Eldora

Denver Lodge #7 will meet at the Home Office*

Pueblo Lodges #3 & #16 will hold a joint meeting at the S.R.D.A.*

Loveland Lodges #17 & #72 will hold a joint meeting*

Denver Lodge #41 will meet at the Home Office*

Lodge #37 will hold a meeting*

Tomorrow Members Event To Be Announced

Minnesota Lodge #67, and Chicago Lodge #33 will meet*

Denver Lodge #6 will meet*

Denver Lodge #I will meet at the Home Office*

*These meetings are tentative. Please call the Home Office for correct place and time.

15

Happe

5

11 =·~12 ~ 13 ~ Lodges #'3 & #16 Mut~ne Lowland: Denver: Lodges #17 & #72 Lodge #41

18 19 ~ Mut~ne Denver: Lodge #1

SI'RJNG 5EGIN9

25 2 2

7

14

• ~ -,'I • ~ 'o

. . l . .

' . ' ·: SAT

1 2

8 9

15 16

22

To fie Announced : W5A Tomorrow Meml>ers

23

Check out our own web site at: www.wsa-Ufe.com, or e-mail us at: info@wsa-Ufe.com