o'°*% 'ddrcss N *6%°. IOBA 1 'O... x). */'< (Tri. 'o •■ l^nue 3889) (NEW URADNO GLASILO JUGOSLOVANSKE KATOLIŠKE JEDNOTE EMA) OFFICIAL ORGAN OF THE SOUTH SLAVONIC CATHOLIC UNION V letu 1937 se bo vršila 2. mladinska konvenri.ja J. S. K. .lednote. Njen cilj je: mnogo nnvib članov za mladinski oddelek. Entered as Second Class Matter April 15th, 1926, at The Post Office at Cleveland, Ohio Under the Act of March 3rd, 1870. — Accepted for Mailing at Special Rate of Postage, Provided for in Section 1103, Act of October 3rd, 1917, Authorized March 15th, 1925 NO. 16 ST. 16 CLEVELAND, OHIO, WEDNESDAY, APRIL 21st, — SREDA, 21. APRILA , 1937 VOL. XIII. LETNIK XDL i RAZNO IZ AMERIKE IN INOZEMSTVA , NE BO STAVKE Nevarnost ponovne stavke v ’ avtomobilskih tovarnah General Motors korporacije, ki je pretila konci preteklega tedna, \ je odvrnjena. Stavka je preti-. la, ker so se razbila pogajanja za poravnavo stavke v tovarni General Motors korporacije v mestu Oshavva, Ontario. Stavka v avtomobilskih tovarnah v Zedinjenih državah naj bi pod-1, prla zahteve stavkujočih delav-! cev v Canadi. Mesto stavke pa i je United Automobile Workers i unija v Zedinjenih državah ob-t ljubila stavkujočim avtomobil-: skim delavcem v Canadi vso i! mogočo finančno podporo, "da - bodo lahko vztrajali, kolikor časa bo treba. PROTI LINČANJU Poslanska zbornica zveznega - kongresa je pretekli teden po hudi debati odobrila protilin-čarski predlog kongresnika J. ^ A. Galavana iz New Yorka. Za 4j predlog je bilo oddanih 276 glasov, proti pa 119. Predlog do-j loča, da v primerih linčanj fe-t deralne oblasti zasledujejo in kaznujejo zločince, ako državne oblasti tega ne store v teku 30 dni. Predlog tudi določa zaporne in denarne kazni za' državne, ’ okrajne in. mestne, uradnike* ki ' h»> ne potrudijo resno, da bi pre-' prečili linčanja. Predlogu so nasprotovali skoro vsi kongresniki iz južnih držav, ki so zatrjevali, da države same uspešno odpravljajo to sramotno pego južnih držav. Kot v zasmeh j tem trditvam je prav isti čas . prišlo poročilo, da sta bila v j državi Mississippi spet linčana i dva črnca. Predno predlog postane zakon, ga mora potrditi še senat; tam pa ima baje šei t hujše nasprotnike kot jih je i-j mel v poslanski zbornici. / PANAMERIŠKI DAN Panameriški ali vseameriškij - dan so proslavili v Washingto-• nu dne 1-5. aprila. Pri tisti priliki se je predsednik Roosevelt j izrazil, da demokracija ne more uspevati v atmosferi, ki je i polna nevarnosti in nezaupanja j i med državami. Poudaril je, da ‘ se prebivalci ameriškega konti- ‘ nenta lahko štejemo za srečne, . ker tu verujemo v demokracijo I ;. I in dobro sosedstvo, pa vsled te-r- ga ni treba, da bi bile vse meje : med posameznimi republikami 1 zavarovane s topovi in bajoneti. Prosti militarizma in diktatur, uživamo primerno svobodo. Demokracija in svoboda pa sta najboljši jamstvi za mir. V prilično istem smislu je na panameriški proslavi govoril državni tajnik Cordell Hull. NOVE VRSTE. STAVKE Razne stavke se še vedno vršijo ali pojavljajo širom dežele, kljub uspešno zaključenim ali! preprečenim stavkam v nekaterih večjih industrijah. Nekate-1 re stavke so staromodne, pri katerih stavkarji zapustijo svoje delavnice. Novejše vrste stavke so sedeče, pri katerih stavkarji ostanejo v tovarnah, i toda nečejo delati. Najnovejše pa so stavke “počasnosti,” pri katerih stavkarji gotovih oddelkov tovarne tako počasi delajo, da s tem zadržujejo delavce v drugih oddelkih in s 'tem tudi produkcijo. (Dalje na 4. str.) VSAK PO SVOJE J ugoslovanski m i n i s t rski predsednik Stojadinovič in italijanski zunanji minister grof Ciano sta nedavno podpisala prijateljsko pogodbo med Jugoslavijo in Italijo. Zanimivo bi bilo vedeti, kateri omenjenih državnikov je pri tem držal figo v žepu! Morda oba L ❖ Prijateljska pogodba med Italijo in Jugoslavijo bo morda slednji prinesla kakšne gospodarske in druge ugodnosti. To je prav in dobro. Nevarno pa bi bilo, če bi se Jugoslavija preveč nanesla na podpisano krpo papirja ter zanemarila svojo vojsko in prijateljstvo drugih držav, posebno tistih, ki so ji sorodne po krvi in jeziku prebivalstva. Pobotati se s starim sovražnikom je lepo in krščansko, toda pri tem je dobro imeti pištolo kje v primerni bližini in vrata k zanesljivim sosedom odprta. Pravo prijateljstvo je mogoče le tam, kjer je na obeh straneh iskrenost in zvestoba. Lahi pa se v teh lastnostih niso še nikdar posebno odlikovali. $ Jugoslovansko jagnje si izbira čudno družbo: italijansko volčico in nemškega dakselna. če se to jagnje pravočasno ne razvije v rogatega koštruna, bosta daksel in volčiča imela o- ... ....... Iz Hermini«, Pa., poroča dragi rojak, da se je tam pričela razvijati nova industrija, in sicer industrija za sušenje in pre-zerviranje regrata. Nova industrija se bujno razcveta in obetajo se ji zlati časi. To bi se vsaj dalo sklepati iz milijard zlatorumenega regratovega cvetja. V legislaturi države Ohio je bil nedavno sprejet predlog, da se za vsakega ubitega volka plača iz državne blagajne nagrada v znesku $10. časopisje poroča, da so tekom zadevne debate poslanci zavijali ko lačni volkovi. Prijatelj Cahej sklepa iz tega, da so bili naši slavni postavoda-jalci takrat najbolj v svojem elementu. Neka rojakinja se je silno zgražala in skoro omedlevala, ko je čitala v časopisu, da indijanski otroci v Braziliji love kobilice in jih hrustajo s tako slastjo kot sladkorčke. Pa to ni taka reč. Saj je celo o Janezu Krsti-| tel ju zapisano, da je jedel z medom namazane kobilice, pa je vseeno postal velik svetnik. * Za narodno gospodarstvo bi : bilo velike koristi, če bi tudi naše otroke mogli privaditi na take poslastice, če bi se kje pojavila kobilčja nadloga, bi enostavno šole zaprli in otroke poslali na polje, pa bi bilo po njih, po kobilicah namreč. In če bi j otroci na piknikih nadlegoval: starše za ice cream in candy, bi jih enostavno spustili po liva dah in jim dovolili, da se na zobljejo kobilic. * časopisje poroča o dr. W. G I Kendallu, ki kot uspešen zdrav nik prakticira v mestu Quincy Mass., in je star že 83 let. T« odlični zdravnik da ima čudn< navado, da samo vsakih 25 le J enkrat popije čašo vode. Ko si j z j utra j ob treh ali štirih zbudi ‘I popije steklenico močnega piva j nakar spet zaspi. Tu in tam s r! privošči čašo kave, vode pa, ko i že omenjeno, le eno čašo na vsa (Dalje na 4. str.) v Moštvene in druge SLOVENSKE VESTI ^ današnji izdaji Nove Dobe n° Izobčena nekatera zelo važ-a naznanila iz glavnega urada, ... ^a na.i bi člani pozorno pre-v^a '• Oalje bi bilo priporočlji-°> da bi člani vsaj v glavnem • ^e(^ali “Valuation Report” arn*nation Report,” kajti ei>.jeni poročili vsebujeta za-'tTiive in razvesel ji ve podatke o llS| organizaciji. * Skupno veselico priredita na ■ aprila društvi št. 15 in št. 42 s;/v Pueblu, Colo. Veselica N ?,VrŠila v Orlovi dvorani na oba n '^'ve‘ *n se k° Pričela Pri -Ur* zve^er- čisti dobiček f !rec^ve je namenjen blagajni i ®racije JSK.J društev v dr-^avi Colorado. bof7 u^tersu> O” se bo v so-8 ,.° ^4. aprila vršila plesna ve-p a društva št. 229 JSKJ. °stor veselice: Hrvatska dvo-na «a Lowellville Rd. petletnico ustanovitve bo . slavilo angleško poslujoče , Mtvo št. igo JSKJ v Cleve-s I s plesno veselico, ki >o vršila v soboto 24. aprila p, flight Ballroom na 6025 St. ‘ Jftir Ave. c * , c ■Sl®***# kegljaška tekma se bo MagLfcheflefri(\.Ž5. aprila v Gljs- ( ffiPttHi, O. Tekme se bodo ude-' ‘ jT'i “teami” JSKJ društev iz * jj^sylvanije, New Yorka, II- ] St°nSa *n Ohio. Prostor tekme: Cll- ir*Eddy Alleys, 12320'St. ; Ave. ( 'Jfi i i Py I *&ci redn<) zborovanje fede-Cof,e ^SKJ društev v državi * 25. Ol,ado se bo vršilo v nedeljo'1 I5ri^r^a v mestu Pueblo, Colo. ‘ Zb0 Se ^o uri zjutraj. : stopr°Vanja se udeleži kot za- s Janj^llc Slavnega odbora sobrat * R°£el.i> Prvi glavni 1 0rnik JSKJ. v * bot0ftln'berl(mU’ O., se bo v so-kaj^ ‘ rriaia vršila veselica tam- ( ‘ne?a društva št. 44 JSKJ.,, | * 1 v Ch?'S/t0 društvo št. 170 JSKJ i ditevCa^u’ TU., naznanja prire-cei-a ^0niladne veselice za ve- 1 8‘ maja. , **rir • * H j a j editev piknikov nazna- 4 v p edeča društva JSKJ : št. 70 v Pa., 13. junija; št. | 3o v c Ul., 20. junija; št. Ja: g|. ‘sholmu, Minn., 27. juni- julija'. v v Denver ju, Colo., 4. ; ju 1 j j.L ’ 33 v Centru, Pa., 25. S/ * v0 v qfnsko samostojno društ-dn0 ve ra,r^u’ O., priredi pomla-žvečer Sep^Co v soboto 24. aprila ^°iti v p, rostor veselice: S. N. ^rardu. f'ed * Administrated ohUlkley BuildinR'> Cle’ 2 dne 10> obvešča z dopisom ^ašen. ^Prila 1937 uredništvo , Savin.rJsta’ da je bila “St. Clair E St ni**. Ij°an Company, nd, ov ;!air Avenue, Cleve-100% ^s^ovenska posojil-^^istra -..ederal Housing ad-^rana o!'11- Pr*znana kot kvali-f°dlao-i Čr lz.da.ianje vknjižb na ^ave. v j cl^onal Housing po-! ^.a Je om °^.*Su Je označeno tudi, i^^ica ^nj?na ^venska poso-^°an B *fni?a Federal Home v6vfli don’ ^S^erna- Celotni za-?en v v originalu priob- ( ‘!,isioNoveDobekCiii da""šnie boto I ODMEVI IZ RODNIH ~ KRAJEV J ] NOVA OPERETA 1 Na mariborskem odru je bila * 1 pretekli mesec podana nova izvirna slovenska opereta “Rdeči j nageljni,” katero je uglasbil ne- , stor mariborskih g 1 edaliških ' igralcev, režiser Pavel Rasber-ger, ki se uspešno udejstvuje na slovenskem odru že 35 let. Snov ^ operete je vzeta iz dobe ilirizma j in je postavljena v Ljubljano in ; ’ okolico. Glasbeno pa nova ope-reta vsebuje obilico slovenskih I j in srbohrvatskih narodnih motivov ter napevov. Poskrbljeno ' je tudi za narodne plese. Narod- J ni napevi so opremljeni deloma z narodnim, deloma tudi z umet- j j nim besedilom. Glasba je povsem narodna in prijetna. ZADNJI SVOJEGA RODU ! V svojem gradu v Škofji Loki 1 je umrl zadnji moški potomec stare Wolkenspergove rodbine, baron Avgust Wolkensperg, star 78 let. Leta 1609 so bili Oblako- i vi, tedanji fužinarji pri železni- ^ kih, zaradi svoje dobrodelnosti! povzdignjeni v baronski stan Wolkenspergov. Pokojni baron; je bil velik prijatelj planin in narave sploh. Ljudem, med katerimi je živel, je bil najboljši prijatelj in svetovalec. Bil je zelo naklonjen tudi Sokolu, kateremu je brezplačno odstopil * . svet, kjer je zdaj eno naj lepših ; sokolskih telovadišč. Tudi.uje-j ; jgovi hčerki Izi in Hilda sta r-la-: ; nici Sokola. , ČEHOSLOVAKI IN JADRAN čehoslovaki se zelo zanimajo za jugoslovanski Jadran in so vzdolž obale istega zgradili! mnogo domov, letovišč in hote-, lov. češkoslovaški letoviščarji . vsako leto v večjem številu pose-(|čajo Jadran, kjer se počutijo i j ])rav domače, češkoslovaški ča-. sopisi in revije razvijajo veliko ^propagando za jugoslovanski i j Jadran kot neprekosljivo leto-, višče. Vsako leto prihaja tudi • ! tisoče češkoslovaških otrok tja j ) na počitnice. ---- VISOKA STAROST V Velikih Poljanah pri Ribnici je nedavno preminil posestnik Anton Ambrožič, star 97 let. Bil je do zadnjega zdrav in trden in še pred letom dni je uspešno sukal koso. Bil je skromen in varčen mož in v družbi šegav in dovtipen kot pristni Ribničan. Lastoval je manjšo kmetijo, na kateri je gospodaril do konca svojega dolgega življenja. URADNI ŠIMELJ Po smrti je dobil podporo. Menda ni nikogar v Sarajevu, ki :ne bi poznal in čislal simpatičnega starčka, ki je bil uslužben kot dnevničar v socialnem oddelku banske uprave. Ta starček je bil D j uro Hondrey. Mož ni bil samo skromen uradnik, | temveč tudi literat in za seboj je imel kot nacionalni revolucionar in prosvetni delavec burno in zaslužno preteklost. Pred ka-’ kimi tremi leti je Hondrey na-1 slovil na Narodno skupščino prošnjo za priznanje nacionalnega dela in za kako podporo. ’ Ta prošnja je dolgo romala po sobah najrazličnejših referentov, bila je tudi že v raznih arhi-’ vih, zdaj, ko je Djuro Hondrey ) že poldrugo leto mrtev, pa je bi-‘ la po čudnem naključju rešena, j Banska uprava v Sarajevu je dobila akt, s katerim se Djuri priznava dosmrtna pokojnina \ mesečnem znesku 400 Din. (Daljfi na 4. str.) “ZAKAJ SE OBLAČIMO Vprašanje, zakaj se oblačimo, se nam prvi hip zdi nekako čudno, vendar če malo pomislimo, i moramo priznati, da tega prav za prav ne moremo odgovoriti. Obleke smo pač tako navajeni, da si ne moremo predstavljati jeksisterjce brez iste. V mrzlem zimskem času imamo pač dober izgovor za nošnjo obleke, toda to prav gotovo ne velja za vročo letno sezono. Saj nam je v poletni vročini vsaka obleka preveč, kljub temu pa nam ne pride na misel, da bi jo odvrgli. Primitivna ljudstva še po nekod popolnoma lahko izhajajo brez obleke, in to ne le v gorkih, ampak tudi v prilično hladnih krajih. Patagonci, ki žive v hladnem podnebju, ne nosijo nikake obleke, z izjemo kake male ko-jžuhovinske krpe. Darwin je pisal o njih, da jih je videl stati ali hoditi v mrzlem dežju, ki jim je zmrzoval na koži, pa se mu je zdelo, da jim ni niti mar mraza. Tudi domačini v centralni Avstraliji ne nosijo nikake obleke, dasi je večkrat pošteno mrzlo v (tistih krajih. Dandanes morda res nesimo obleko zaradi nekake dostojnosti, toda to ni veljalo pri primitivnem človeku, ki je prvič začel obleko nositi. Nekatera primitivna ljudstva, ki nosijo nekoliko obleke, jo nosijo tako, da izpostavljajo tiste dele telesa, ki jih mi navadno pokrivamo z obleko. Dalje je znano in doka-jzano, da razna človeška plemena, ki nosijo mnogo obleke, niso posebno dostojna ali moralna v našem smislu. Nekateri znanstveniki menijo, da se je nošnja obleke prvotno razvila iz primitivne gizdavosti. Primitivni ljudje so si zatikali v lase pisana ptičja peresa, okoli vratu so si obešali pestrobarvne školjke, pa tudi zobe in krem- ► (Dalje na 4. str.) NAMIŠLJENI BOGOVI “ V vseh časih so gotovi ljudje nastopali kot bogovi, kot sinovi bogov, kot njihovi potomci, ali vsaj njihovi preroki, namestniki in izvoljenci. Kralji starodavnih ljudstev so v večini slučajev nastopali kot bogovi ali njihovi sinovi. Pa tudi dandanes so še na svetu taki namišljeni bogovi. Japonski cesar Hirohito je še vedno “nebeški sin,” katerega predniki so podedovali Japonsko od sončne boginje Amatera-su pred 2,5000 leti. Povprečni Japonci baje še vedno verujejo v to bajko. Duhovni in posvetni vladar Tibeta je Pančan Lama, živi Buda. Njegovi podaniki so prepričani, da je v njenn včlovečen bog Buda. Zanimivo je, da Buda, ko je živel, ni verjel v bogove in jih je dosledno tajil, toda ljudje so ga po njegovi smrti napravili za boga. Aga Kan, ki vlada neki mohamedanski sekti v Indiji, sicer nima sarže boga, toda ponaša se, da je direktni potomec preroka Mohameda, in vsled tega neko i višje bitje. V Nemčiji je neka nova verska sekta že pričela Hitlerja skoro po božje častiti. Dotična sekta naglaša, da so Hitlerjevi zakoni in odredbe božji zakoni, biblija pa da je stara židovska j knjiga. Njihova glasilo piše, da je Hitlerjeva beseda božji zakon in da se v nji razkriva božja avtoriteta. Mussolini se za enkrat še ne , štuli med bogove, kljub temu, . da zahteva od svojih podanikov , brezpogojno pokorščino; njegova beseda je zakon. Bivši nemški cesar Viljem si je svoječasno tudi domišljal, da je neko božansko bitje, saj je svetovno znana njegova fraza: “Jaz in Bog!”'Med zemljane so (Dalje na 4. str.) V POMOČ PRISELJENCEM Ameriške organizacije, ki se ; zanimajo za blagor priseljen- i cev, delujejo v vsaj 75 mestih 1 Združenih držav. Tako trdi Miss 1 Marian Schibsby v članku o, 1 “Priseljencih in njihovih otro- < cih” k letniku “Social Work < Year Book” za 1. 1937, ravno- i kar izdanemu od Russell Sage : [ Foundation. I že v ranih dobah se je občuti-' la potreba, da bi bili novodošleci ' deležni posebne zaščite radi svojega nepoznavanja angleščine, 1 ameriških zakonov in običajev ; lin dostikrat tudi radi svojega ' siromaštva. Prvo društvo za izseljence (Emigration Society) je bilo 1794 ustanovljeno od do-: brodelnih privatnih državljanov v svrho “informacije in pomoči za osebe priseljene iz inozemstva.” Sredi devetnajstega stoletja so začela delovati društva, ustanovljena od tujerodnih skupin, za oskrbo lastnih rojakov. Dandanes pa je v raznih ameriških mestih mnogo takih organizacij, ki pokrivajo takorekoč vsako pokrajino te dežele. Gospodarska kriza in omejitev priseljevanja, ki je sedaj v veljavi, sta znatno znižali število priseljencev, ki prihajajo v Združene države, ali — kakor /iMiss Schibsby poudarja, potre-i!ba delovanja v korist tujerod-. cem je še' vedno živa. Te dežela J je še vedno najvažnejša dežela i na svetu za pr&jemanje prise-. ljencev; odkar je stopil v velja-, vo priseljeniški zakon iz 1. 1924, , je bilo pripuščenih več kot 2,-000,000 inozemcev. L. 1930 je I bilo 14,204,149 tujerodcev v j Združenih državah. Skupaj z njihovimi otroci, ki so se tukaj rodili, jih je bilo več kpt 40 mi-ljonov, kar pomenja skoraj tre-tjino vsega prebivalstva Združenih držav. ! (Dalje na .4. str.) ftVv-^VviV.-itn ' • .. ,4- 1- Važna naznanila iz glavnega urada BREZ ZDRAVNIŠKE PREISKAVE V namenu, da se pospeši našo mladinsko kampanjo in olajša delo naših agitatorjev in kandidatov za mladinsko konvencijo, je glavni odbor sklenil, da se od zdravniške preiskave oprosti vse tiste prosilce za članstvo v mladinskem oddelku, ki žive v državah, kjer zakon tega izrecno ne zahteva. Na podlagi tega sklepa se torej ne bo zahtevalo zdravniške preiskave otrok v sledečih državah: California, Colorado, Illinois, Indiana, Kansas, Maryland, Michigan, Missouri, Montana, Nebraska, New Mexico, Oregon, Pennsylvania, Utah, Washington, West Virginia, Wisconsin in Wyoming. Zdravniško preiskani pa morajo biti, otroci v sledečih državah: Idaho, Minnesota, New York in Ohio. Urez zdravniške preiskave naj se ne sprejme nobenega otroka, dokler krajevni tajniki ne prejmejo novih prošen j za sprejem. Te nove Ustine bodo iz glavnega urada razposlane v par dneh. , V vseh državah, kjer se zdravniške preiskave ne bo zahtevalo, bodo otroci morali biti pregledani od društvenih tajnikov (tajnic), sicer y,e prošenj ne bo odobrilo. ANTON ZBASNIK, glavni tajnik. USPEHI MLADINSKE KAMPANJE Od 1. do 17. aprila nam je kampanja prinesla IH7 novih (-lanov, in sicer 158 članov mladinskega in 29 članov odraslega oddelka. Do omenjenega dne je bilo prijavljenih 28 kandidatov za delegatstvo od 22 društev. Glavni tajnik želi, da se prošnje novih mladinskih članov pošiljajo v glavni urad sproti, to je, da se jih ne zadržuje toliko časa pri društvih, da bi posamezni kandidati imeli dovolj kreditov za delegatstvo. To bo znatno olajšalo delo v glavnem uradu. DVA DELEGATA PRI DRUŠTVU Društvo “Ilirska Vila,” št. 173 JSKJ v Clevelandu, Ohio, ima, glasom naznanila iz glavnega urada, kvalificirana že dva delegata za letošnjo mladinsko konvencijo. To sta Anton Primc Jr., o katerem je bilo že poročano, in Albert Poklar, ki je kvalificiral začetkom tega tedna. V tekmi za delegatstvo je tako društvo Ilirska Vila odneslo prva dva kvalificirana delegata za letošnjo mladinsko konvencijo. Glavni tajnik dalje poroča uredništvu, da je mesto Cleveland sploh jako aktivno v letošnji kampanji in da bo vsak čas imel tret ji clevelandski kandidat za delegatstvo kreditiranih dovolj novih članov, da bo kvalificiral, in sicer je ta nadaljni, tako rekoč že izvoljeni delegat Joseph Rudolf Jr., član društva št. 37 JSKJ. Po dosedanjem razmahu mladinske kampanje sodili bo prihodnja mladinska konvencija šlela okrog 60 delegatov. Uspehi prvih treh tednov so prav razveseljivi. SOLVENTNOST J.S.KJEDNOTE Na drugem mestu današnje izdaje Nove Dvbe je priobčen “Valuation Report, ki izkazuje solventnost naše Jednole ah zalil j ficku Irtu tfHKr solventnost je znašala za odrasli oddelek 109.53%, za mladinski oddelek 588%, za oba oddelka skupaj pa 112.42%. To je najvišja solventnost v zgodovini naša Jednote in najbrž tudi na j višja med vsemi večjimi jugoslovanskimi podpornimi organizacijami v Ameriki. Povprečne obresti od jednotinih investicij so lansko leto znašale 5.04%. Umrljivost je znašala 91.05%. Vse navedeno kaže, da je splošno stanje J. S. K. Jednote zelo ugodno. State of Minnesota, Department of Commerce, Insurance Division The following report of examination as of June 30, 1036, of the condition and affairs of the SOUTH SLAVONIC CATHOLIC UNION OF AMERICA, of Ely, Minnesota, was recently completed by a duly qualified examiner of this Department. Due consideration has been given to the comments of the examiner regarding the operation of the Union and its financial condition as reflected by the report. The report is hereby, as of this date, approved, adopted and filed and made an official record of this Department. PRANK YETKA COMMISSIONER OF INSURANCE Dated February 17, 1937. STATE OF MINNESOTA, DEPARTMENT OF COMMERCE, INSURANCE DIVISION December 15, 1936. Hon. Frank Yetka, Commissioner of Insurance, State Office Building, St. Paul. Minnesota. Sir: In accordance with your instructions, I hare made an examination of the SOUTH SLAVONIC CATHOLIC UNION OF AMERICA, home office located at Ely, Minnesota, and submit herewith the report of my findings. SCOPE OF EXAMINATION The Society was last examined by your Department as of July 31, 1932. This examination covers the period from that date to June 30, 1936. HISTORY It was incorporated January 1, 1901. under the laws of Minnesota as a fraternal beneficiary society, with a lodge system, ritualistic form of work, and a representative form of government. The declared object of the Society is to write fraternally male and female persons of the white race, between the ajes of 16 to 55, who are eligible to membership, for their social, Intellectual, »nd moral welfare, and to provide death, funeral, sick, accident and disability benefits, which benefits are paid out oi funds derived from assessments collected from its membership, as provided for in Its Constitution and By-laws. A Juvenile Department is also maintained by the Society, into which children are admitted up to 16 years of a*r. Separate books of record are kept relating to this Department, and its affairs, including financial statement, will be referred to in this report under the caption of “Juvenile Department." GOVERNING BODY The government of the Society and the management of its affairs are vested in its supreme officers, who are elected at the General Convention which convenes once in e.very four years. The General Convention consists of all supreme officers of the Society and delegates elected by the subordinate lodges. The number of delegates to be elected from each lodge is based on the number of members in good standing, and limited to one delegate for each membership between 75 to 150, and one additional delegate if the total membership exceeds 150. At the Convention held in 1932 there were 13 supreme officers and 137 elected delegates present, and qualified to vote. MANAGEMENT The Supreme Board of the Society is the administrative body, and it meets twice a year, namely, in January and July. The management is composed ol the following Supreme Officers, Trustees, and Judiciary Committee members, whose terms of office expire December 31, 1936: Office Name Address Supreme President Paul Bartel Waukegan, 111. Supreme First Vice President Mat), Anzelc Aurora, Minn. Supreme Second Vice President Louis M. Kolar Cleveland, Ohio Supreme Secretary ............... Anton Zbasnik ................ Ely, Minn. Supreme Assistant Secretary Barbara Matesha Ely, Minn. Supreme Treasurer Louis Champa Ely, Minn. Chairman, Board of Trustees John Kumse Lorain, Ohio First Trustee ................... Janko N. Rogelj Cleveland, Ohio Second Trustee John Balkovec Pittsburgh, Pa. Third Trustee Frank E. Vranichar Joliet, 111. Fourth Trustee Joseph Mantel Ely, Minn. President. Judiciary Committee Anton Okolish Barberton, Ohio First Judiciary John Schutte Denver, Colorado Second Judiciary Valentine Orehek Brooklyn, N. Y. Third Judiciary Rose Svetlch Ely, Minn. I Fourth Judiciary John Zigman Strabane, Pa. Supreme Medical Examiner F. J. Arch, M. D. Pittsburgh, Pa. Editor, Manager, of Official Organ Anton J. Terbovec Cleveland, Oh is Following are the members o, the Investment Committee: Supreme Secretary Anton Zbasnik Ely, Minn.! Chairman, Board of Trustees John Kumse Lorain, Ohio First Trustee ' J. N. Rogelj Cleveland, Ohio Second Trustee John Balkovec Pittsburgh, Pa. Third Trustee F. E. Vranichar Joliet, 111. SALARIES OF OFFICERS AND COMMITTEE MEMBERS Salaries to officers and committee members are fixed by the Regular Convention and are as follows: Per Annum Supreme President $ 500.ou First Vice President 20.00 Second Vice President 20.00 Supreme Secretary 2,700.00 Assistant Supreme Secretary 1,500.00 Supreme Treasurer 900.00 Chairman, Board of Trustees 75.00 Four remaining Trustees, each 50.00 President, Judiciary Committee 65.00 Four remaining Judiciary Committee Members, each 25.00 Editor. Manager of Official Organ 2,400.00 Chief Counsel 100.00 The Supreme Medical Examiner receives 25 cents for each application for membership, and each claim examined. SURETY BONDS Officers of the Society are covered by fidelity bonds in the following amounts: Supreme President $1,000.00 First and Second Supreme Vice Presidents, each 500.00 Supreme Secretary 10,000.00 Assistant Supreme Secretary 1,000.00 Supreme Treasurer 50,000.00 Supreme Medical Examiner 1,000.00 Editor, Manager of Official Organ 1,000.00 Chairman. Board of Trustees 1.000.00 Four other Trustees, each 500.00 Chairman, Judiciary Committee 1,000.00 Four other members, each 500.00 The officers of the subordinate lodges are also bonded in the aggregate sum of $198.000.00, which is a schedule bond, and the amount of coverage on each lodge is about $1,000.00. applicable as follows: President $100.00 Secretary 400.00 Treasurer 500.00 Compensation insurance for home office employees is also effective, as well as a guaranty bond to protect the Society for fulfillment of its contract with a publishing company to print its official organ, which is a weekly publication. All of the foregoing bonds and other insurance policies have been issued by companies duly authorized to transact business In this State. TERRITORY The Society is licensed to transact business in the following named states, which schedule also reflects the total membership as to adult and juvenile members in each State licensed. ■ State Adult Juvenile Minnesota 2.926 1,222 Maryland 57 22 Michigan 370 64 Montana 463 26-i Nebraska 95 3D New York 419 150 Ohio 1.896 905 Oregon , 55 16 Pennsylvania 3,344 2,300 Colorado 995 510 Illinois 1.012 654 Indiana 282 160 Utah 100 45 Wyoming 371 237 West Virginia 126 53 Washington . 418 127 Kansas 151 p At large 323 150 Totals 13.403 6,975 CERTIFICATE FORMS AND RATES Following is a schedule of certificate forms issued: Plan A Whole life. (National Fratrenal Congress 4%) Issued since organization, ceased January 1, 1933. AA Whole Life. (American Experience 4%) Issued since January 1, 1933. [ B (old) 20 Pay Life (American Experience 4%) 5 Ceased January 1, 1933. B (new) 20 Pay Life (American Experience 4%) Issued since January 1, 1933. j C 20-Year Endowment (American Experience 4%) I Issued since January 1, 1933. The only form of certificates now being issued is Plan AA, Plan B (new), nd Plan C. The amount of risk is limited to $2,000.00. However, this has been ncreased to $3,000.00, effective January 1, 1937. Plan A certificate, which is a whole life contract, the first one issued by the Society, and on the National Fraternal Congress Table of Mortality 4% inter-st, does not contain any of the so-called non-forfeiture features. Due to exist-ng conditions which were brought about by the depression and which threatened he Society with a possible loss of members owing to their inability to pay as-essments, a resolution was adopted at the Convention held in 1932 whereby all ertificate holders under Plan A could convert their insurance into certificates lased on the American Experience Table of Mortality. 4% interest. The mem->ers who so converted their insurance were given credit for the reserve accumu-ated on their old certificates as calculated and submitted by the Society’s ac-uary, which reserve credits were to equal 90% oi the terminal National Frater-lal Congress 4% reserve and to be applied in reduction of rate (by back dating >r otherwise) upon the policy to be taken in exchange. An allowance was also nade for an expense charge of $10.00 per certificate of $1,000.00, such expense :harge being deducted from the credit or from the first twelve assessments paid m the new certificate. At that time, .the total number holding Plan A certificates amounted to approximately 12,000 members, with about $9,000,000.00 of insurance in force. So :ar, approximately 3,000 members have taken advantage of the transfer to new :ertiflcates. The various other forms of certificates are all on the American Experience Table of Mortality with 4% interest, and provide for loan, cash surrender values, jaid-up, and extended insurance privileges. SICK, ACCIDENT AND DISABILITY In addition to the life insurance provided for its membership in the Adult Department, the Society also pays benefits as the result of sickness and accident and disability to those who elect to pay the additional charge for this projection. The sickness, accident and disability features are two distinct separate departments and its operations are governed wholly by the By-laws of the Society (including application) and not by a certificate or policy contract. No member is eligible to this protection unless he also holds a life certificate. The administration of this department is largely handled by the local lodge officers, except the payment of claims. As a matter of fact, prior to 1913 it was handled entirely by them. Since January 1, 1914, the administration of the sick, accident and disability department has been centralized at the home office. The local lodge officers, however, still continue to investigate claims in their jurisdiction and report to the home office. RATES AND BENEFITS — SICK AND ACCIDENT The rates charged are the same for all ages and occupational risks. Assessment rates of 85 cents per month pay $1.00 per day. and a rate of 50 cents per month pays 50 cents per day, for a period limited to six months, the first three days excluded. In the event disability continues longer than six months for full benefits, the same are reduced 50% and limited to another six months on this basis. Additional specific benefits are allowed for certain types of accidental injuries, and for various kinds of surgical orperations. RATES AND BENEFITS — DISABILITY Disability benefits are provided for at the rate of $10.00 per month, and limited to a two year period, commencing immediately after the member has been incapacitated for one whole year as the result of either illness or accident Members are privileged to possess this protection without having sick and accident coverage. The regular assessment charge for this protection is 5 cents per member, payable monthly. However, this rate has proved to be insufficient to meet the payment of claims since early 1932. To meet the deficit in the disability fund, transfers have been made as follows: From Athletic Fund: 1932 ...........$4.262.67 1933 4,282.77 1934 2.963.12 From Sick and Accident Fund: 1934 ...........$2,719.33 From Expense Fund: 1934 $1,872.99 $16,100.88 These transfers were authorized by the Supreme Board, and in order to provide for further additional funds in the disability fund, a special assessment has been collected since March 1, 1934, amounting to 10 cents per month on each member, which rate continued until March 1, 1935. Subsequent to this date, the special assessment has been 5 cents, making the total monthly rate 10 cents per member. « VARIOUS FUNDS MAINTAINED The following funds are maintained by the Society: Mortuary Sick and Accident Athletic Disability Expense EXPLANATION REGARDING VARIOUS FUNDS Mortuary Fund is maintained from the net rates collected from members on both National Fraternal Congress Table and the American Experience Table of Mortality. Members who are paying according to ttje National Fraternal Congress rates pay an additional monthly rate of 6 cents per $1,000.00, which is ill allocated to the mortuary fund. Sick and Accident Fund is maintained from the full asssments charged for sick and accident benefits. Disability Fund. Tile same applies here as in the case of the Sick and Accident Fund. Athletic Fund. Under a provision of the By-laws, effective January 1, 1929, the Society authorized the creation and maintenance of a Sport or Athletic Fund for the aid oi local lodges desiring to organize and promote a feature of this kind among its members. Each member of the Older is required to pay 2 cents per month in addition to all other assessments towards the maintenance of this fund. The financing of all athletic activities was suspended for an indefinite time, by action of the Supreme Board in January, 1933, in order that this fund may be used to meet payments from the Disability Fund, which action appears to be in accordance with Section 364 of the By-laws. Expense Fund. This fund is maintained by specific assessments from members and are as follows: 20 cents per member each month from those who hold death benefit certificates only. 25 cents per member each month from those who hold certificates for death benefits, and are also insured for sickness, accident and disability. The allocation of assessments to the various funds were verified by your examiner and appear to be made in accordance with the By-laws. ANNUAL STATEMENTS Annual statements as filed with your Department for the years 1932, 1933, 1934 and 1935 were verified with the books and records as to income, disbursements and ledger assets. No errors were noted. PAYMENTS TO MEMBERS A large number of transactions involving payments to policyholders, which included death claims, cash surrender values, also items of extended insurance, were verified, and from the oases examined it appears that the Society discharges its contractual obligations both correctly and promptly. Following is a financial statement showing the condition of the Adult Department as of June 30, 1936, with Income and Disbursements from January 1, 1936, to June 30, 1936. FINANCIAL STATEMENT Balance in various funds December 31, 1935: Mortuary Fund .............................$1,817.938.05 Disability Fund ... 3,780.04 Sick and Accident Fund ‘ 27,475.44 Athletic Fund...................................... 2,746.55 Expense Fund 21,037.58 Total Balance in Funds . $1,872,978.56 INCOME Mortuary Fund: Assessments during the first twelve months of membership $ 637.77 All other assessments 78,418.47 Gross interest on bonds $41,819.98, less $1.120.60 accrued interest on bonds acquired 40,699.38 Interest on policy loans .......................... 3,776.57 $123,532.19 Disability Fund: Assessments ..................................................... 6,956.95 Sick and Accident Fund: « Assessments ...................................... $53,733.00 Lodge fine ........................................... 25.00 53,758.00 Athletic Fund: Assessments ...................................................... 1,568.38 Expense Fund: Assessments .................................... $23,123.92 Sale of lodge supplies................................ 82.35 Advertising and subscriptions ....................... 237.06 Protest fees on checks ................................ 2.40 Transfer from Juvenile Department ................... 350.00 23,795,73 TOTAL INCOME .......................................................... 209,611.25 SUM ............................................................. $2,082,589.81 DISBURSEMENTS Mortuary Fund: Death claims .....................................$58,431.12 Cash surrender values ............................. 1,400.03 Policy loans liquidated by reductions in reserve and insurance ....................................... 973.37 Gross decrease, by adjustment, in book value of bonds ........................................ 12,751.65 73,556.17 Disability Fund: Claims paid .................................................... 4,573.58 Sick and Accident Fund: Claims paid .................................................... 57,433.91 Athletic Fund: To local lodges for athletic purposes ........... 600.00 Salary of sports commissioner ................... 60.00 Athletic contests ............................... 418.25 Aid for flood sufferers.......................... 500.00 1,578.25 Expense Fund: Commissions for obtaining new members and transfer of policies ............................ 859.50 Salaries of officers and trustees ............... 3,832.50 Salaries and other compensation of committees 1,106.00 Salaries of office employees 2,510.00 Salary and fees paid to Supreme Medical Director .......................................... 729.00 Fees paid to subordinate medical examiners .. 309.50 Traveling and other expenses paid to officers, trustees and committees ............................. 591.47 Insurance Department fees ........................... 341.00 Advertising, printing and stationery............... 2,368.39 Postage, express, telegraph and telephone 613.04 Lodge supplies ........................................ 1.57 Official organ (Nova Doba) ........................ 3,592.73 Tax and exchange on checks ...................... * 54.00 Legal expenses ......................... »....... * 199.00 Repairs to furniture and fixtures 33.72 Taxes and repairs to real estate owned by Juvenile Department ................................. 532.19 Fuel, light and water ............................... 358.80 Insurance ....................................... 1,221.95 Actuarial services .................................. 174.00 Miscellaneous ....................................... 153.50 19,581.86 TOTAL DISBURSEMENTS ..................................................$ 156.723.77 BALANCE ............................................................$1,925.866.04 SUMMARY OF TRANSFERS From the To the Mortuary Fund Expense Fund ...................................$ 72.50 Sick & Accident Fund Expense Fund 1,149.72 Total ..........................................$ 1,222.22 Balances in Various Funds After Deducting Disbursements from Income: and Transfers, to wit: Mortuary Fund ......................................$1,867,842.47 Disability Fund ...................................... 6,163.41 Sick and Accident Fund 22,649.81 Athletic Fund .......................................... 2,736.68 Expense ............................................... 23,473.67 Total ............................................. $1,925,866.04 ; LEDGER ASSETS Book value of bonds ......................................$1,746,803.05 Cash in office ................................................. 200.00 Deposit in banks: checking account .............................. $12,219.22 savings account 5,000.00 closed bank 5,700.00 22,919.22 Cash in transit to bank for deposit 20,486.50 Loans on certificates ....................................... 135,456.37 TOTAL LEDGER ASSETS $1,925,866.04 . NON-LEDGER ASSETS 1 Interest accrued on: s I Bonds not in default.....................................................$ 26,468.36 Savings account ............................................................ 50.18 1 Loans on certificates ............................ ................ 4,063.69 Assessments due June 30, 1936, and collected by local lodges but ■ not yet turned over to the home office ................................. 1,604.93 Furniture and fixtures ...................................................... 8,500.00 i GROSS ASSETS $1.966,553.20 1 DEDUCT ASSETS NOT ADMITTED 1 Book value of bonds over market value ........................ $13,205.77 s Deposit In closed bank ......................................... 5,700.00 Excess of certificate loans over reserve ........................... 6.76 ' Furniture and fixtures ....................................... 8,500.00 27,412.53 / _______________________________________________________________________________________ TOTAL ADMITTED ASSETS .............................................. $1,939,140.67 LIABILITIES Death claims adjusted (91) ..................................$ 27,867.42 Death claims unadjusted (7) .................................... 5,736,09 Death claims resisted (1) ...................................... 1,000.00 34,603.51 Sick and accident claims (315) ................................ 23,815.00 Disability claims (100) ....................................... 11,621.05 1 Salaries, expenses and commissions 874.12 Taxes due or accrued.............................................. 145.50 Advance assessments ............................................. 36.45 I, Net reserve upon all outstanding certificates June 30, '36 1,535,380.70 TOTAL LIABILITIES ...................................................$1,606,476.33 SURPTUS ............................................................... 332.664.34 1 TOTAL $1,939,140.67 EXHIBIT OF CERTIFICATES Number Amount Certificates In force December 31, 1935 ...................... 13,190 $9,844,587.00 Certificates written 439 240,000.00 Certificates revived. ........................................... 258 192,750.00 Certificates increased .................................................... 6,500.00 Total ........................................................ 13,896 10,283,837.00 Deduct terminated ............................................... 493 351,839.00 Total in force June 30, 1936 .............................. 13,403 $9,931,998.00 Certificates terminated by: Death ............................................................ 75 61,894.00 Lapse ........................................................... 418 283,972.00 6 Decrease . 5,973.00 ANALYSIS OF FINANCIAL STATEMENT INCOME AND DISBURSEMENTS As the result of erroneous information received from the bank, $350.00 was credited to principal instead of interest on bonds. The item is correctly adjusted in the financial statement herewith, and a correction entry should be made in the books of the Society. (Continued on page 3) Društva po zapadu pokažite svojo moč! Kampanja za člane v mladin- ^ ski oddelek JSKJ je v polnem j t teku. Kandidati za delegate na ; i prihodnji mladinski konvenciJj j * so po večini že prijavljeni Pr| ‘ 5 svojih društvih. Spremljevalci ; i: mladih delegatov in delegatih !l na mladinsko konvencijo so od 0 glavnega odbora že tudi odbrani | t] in med njimi sem tudi podpis*' ; Cl ni. Poverjena mi je čast, da bon' ^ spremljal na konvencijo nilade i a delegate iz zapadnih držav. Zato se v prvi vrsti obrača111 | na krajevna društva JSKJ P° ; ti zapadnih državah, da se poti-11' ^ dijo, da bi vsako društvo posla- ; lo vsaj enega delegata na ml*' dinsko konvencijo. Naš zapa [ vendar ne sme biti med zadnJ1' & mi! Torej, na noge in pomaga]' Si mo prijavljenim kandidatom- I; da bodo dosegli zadostno števil0 Va novih članov, da jim bo omog0' | *t čen počitniški izlet v zelen0 ^ Minnesoto, v deželo desettis0' ^ čerih jezer in v mesto, ki rojstni kraj J. S. K. Jednote! 1 Skušajmo tekom te kamPf oj nje pridobiti kar največ naSC mladine v vrste naše organih' ^ cije. Mi se staramo, mladina 1'a' j ste. Mi padamo, mladina vstaj8, 1 Ni več daleč čas, ko bo mor8*® 0 mladina prevzeti in nadaljev8 od nas započeto delo na P0*'111 naše organizacije, ko bo mor* ’ la mladina nadaljevati pot. na so jo započeli njeni predniki’ 1x>t Kakor sem omenil, naš zap8 v ne sme zaostati, pa naj se se 1 ko pripravljata sobrat Lunka1 ^ Ohio in sobrat Mikec iz Pe)l11 'l! sy Ivani j e, katerima je tudi P0-ver jena čast, da bosta sprenilJ8 la mladinske delegate na ko11 ^ venci j o. Mislim, da mene ne v sta prekosila s številom “rt1*8 gj dih vojakov,” ko se bomo \ Chicagu. Tam se bomo udar* j; l Računam, da bom pripeljal ceJJh vlak “mladih voj akov-del tov” iz zapadnih držav. Torej, društva po zapadi, državah, na noge, da nas bo P J ji šla največja armada iz zap8 ' na konvencijo v Ely. Gre se ^ čast zapada, zato upam, da ^ ^ pri tem tudi glavni porotnik^ brat Schutte ne bo zapustil. j0[) se bo oglasil v našem glasil11 ^ ^ sploh pomagal, da se bo naš -pad najbolj odrezal v tej kil11' ^ panji. Naš zapad mora biti 1 prvem mestu! : ^ še enkrat, društva, druŠtV^ ^ uradniki in sploh vsi člani. 1’ ^ trudimo se vsi, da se bomo c8* no odrezali v tej kampanji- ^ jjjg lujmo vsi skupaj, roko v rok1 j ^ večji in močnejši mladinski ° ^ delek J. S. K. Jednote! Frank OkojeJ. 3. glavni podpredsednik j DOPISI Š . e,i S pota. — Le redkokdaj ^ ^ oglasim za nekoliko časa v E*’ j S Minn., pri mojem društvu jS JSKJ, h kateremu sem t pil leta' 1893. Društveni je bil takrat stari Frank L0^, predsednik pa Joseph Ag11' zdaj že oba pokojnika. K -1-1 S®1'' Časi se izpreminjajo. Bi* ‘ S pri seji društva št. 1 JSK-*' ; ^ se je vršila v Jugoslovan^, ^ narodnem domu. Na seji j®' ., dal lep red, ki zasluži P1’^ ^ nje. Zasledoval sem razl,L 1^ društvene sklepe in ukrepe- „ it Bil sem tudi pri več drug'1'1 ^ k jah. Nekaj se ukrepa glede ^ boljšanja J. N. Doma, pa s0^tT ^ di priporočila, da se Dom I da, ker je v ravnini in nek8 -j, sredini mesta. Pri tem nns ^ jj^h da je treba previdnosti. ^ je draginja in stavbeni ^8(1 $ al je drag. Lahko bi se zg0 _,f|- \ kakor se je v neki drugi n8' ^ bini minnesotskega železneg^i ^ krožja, kjer se je okrog $ .p-zazidalo, potem pa je zma’1'^ lo denarja in so prišle še dr ^ {51 neprilike, pa je vse prop8 ..j-pi i Drugorodci so nato prevzel1 tličje, katero je stalo ortiel^>giH^] vsoto, in se zdaj šopirijo 2 . 0Jic ko stavbo. Ako bi se bilo (Dalje na 3. strani) ^ate of Minnesota, Department of Commerce, Insurance Division (Continued from page ?.) anclEXtv!nSiVe *'es*> checks were made to determine the accuracy of assessments lodge incorne items transmitted to the Supreme Treasurer by the local In' ?n<^ ll*m turned over to the Supreme Secretary. No errors were noted, j loa '\lhe case of return preminums, the practice is to give credit to the local te>nitfSeCre*,ar*es for any such items’ which are later held out from the next j i home ''J106 that follows- This is the reason no return premiums appear in the toents *Ce *M0^S' meantime, all such items are treated as advance assess- ^em °f “Policy loans liquidated by reduction in reserve and insurance J likewi appearinS in the disbursements is the result of reducing the reserve,; | ien). se the amount at risk, for which checks are issued for an amount equiva- the loan and charged to the mortuary fund, of a]| e books are kept according to the single entry system, and the accuracy the n .ms of income and disbursements posted into the ledger was verified for cashV10(* c°vered in the financial statement by making a schedule from the "t errors were discovered. The ! disbursements from January 1, 1936, to June 30, 1936, were checked solid. Honth Ursernents for 1935 were checked for the first two and the last two bursei S °f year> also the first and last months of 1934 and 1933. The dis- j lnjia'lents incurred in connection with the quadrennial convention held in Eaph°**S’ Int^ana> in i932 were also reviewed, tion o item 01 disbursements examined was accompanied by detailed informa- j bills'f ]nci also lcept in very good order. It is suggested, however, that all expense! I Convp1 ^le various officers, trustees and others, including delegates to the ’ ions, should be submitted in the English language. transfers to expense fund — $1,222.22 I n°ted that the sum of $1,222.22 has been transferred to the Ex- I ®kk& U11C*’ $72.50 was from the Mortuary Fund and $1,149.72 from the i I ®ook Accident Fund, both of which are in accordance with the By-laws. * »alue of Bonds — $1,746,903.95 I ValugS °! June 30, 1936, the investment in bonds amounted to $1,746,803.95 book I St titJ. '3ar Va'ue the same, as all bonds are adjusted on the books to par value! I These *'■ Purchase. The total cost of the bonds owned amounts to $1,801,915.82. I of Qu,securities are kept for safekeeping in one of the bank’vaults in the City I home f ’ Minnesota, and were counted and inspected, also verified with the ! I m e records. I law. the bonds appear to be of the character of investment contemplated by I of |jon^ blowing is a schedule reflecting classification, book and market value " I n Book Value Market Value I t'Ublio t Unty and Municipals ......................... $1,696,803.95 $1,676,223.18 'I 'Utilities ................................................ 50,000.00 57,375.00 jlSookv, 1,746,803.95 1,733,598.18 jjl ®lue over market value....................... 13,205.77 111 $1,746,803.95 $1,746,803.95 i-1 Sat« 0afr'ce*' va]ues were used to determine the value of the bonds as of the iil^ce examination, which market values were obtained from reliable I "'atw' the result of this method of valuation, the book value exceeds the 11'ot„., Value to the extent of $13,205.77, which amount is deducted under assets 4 ft!tted- ftouid be mentioned that t)ie Society employs a method of amortizing its .. K’ v,1^ich method, however, is not exactly correct and for this reason actual E ,Vallles were employed for the purpose of this statement. According to the 11' I °I |6i 97-tnethod of amortizing its bonds, the book value would reflect an excess O' I ^ol 5-61 over tlie amol'tized value. *n£ is a schedule of the bonds in default as to principal, including book ii- ■ arltet values, and past due interest. ill'I Book Market Interest lO'I^fll Value Value Due I ^ake, Jefferson County, Arkansas $ 2,000.00 $ 460.00 $ 1,087.50 Florida, (drainage)..................... 15,000.00 3,000.00 4,050.00 Wisconsin..................................... 3,000.00 2,250.00 ........... • Parish, Louisiana ................... 10,000.00 8,500.00 1,500.00 Cle County, Florida............................ 2,500.00 1,450.00 .......... f PP * IWnn £ (i-637-S0i following schedule reflects the bonds In default as to interest only, also [ Ji ^ market value and amount of past due interest: Mp" Book Market Interest 1 )’ Value Value Due (d* %ro,0n County, Texas ...................... $ 20,000.00 $ 14,000.00 $ 512.50 $ V*6e c°unty, N. C............................... 10,000.00 5,600.00 1,900.00 e County, Texas ........................... 10,000.00 10,525.00 500.00 ” Sbw^ty, Florida ................................. 10,000.00 9,100.00 2,600.00 SO" Si^lh City, N. C.................................. 5,000.00 4,500.00 375.00 df Lake, Jefferson County, Arkansas 8,000.00 1,840.00 3,262.50 |( ?\n“:es. Florida ................................ 20,000.00 4,000.00 6,350.00 1 City, Term.................................. 5,000.00 4,400.00 150.00 1* ^ County, Mich.............................. '25,000.00 10,000.00 6,637.50 (H' aUzas> Fulton Countv, 111. . 12,000.00 1,800.00 2,500.00 \ ' | ...................................... $125,000.00 $ 65,765.00 $ 24,787.50 ^date^8*' amounting to $2,668.75 on defaulted bonds has been received since ‘ y < It the examination. 1’ *3e noted that considerable interest is past due on some of the bonds #5*' j . and it is difficult to estimate at this time the probable amount of loss f)C' tNatinn W*^ eventually have to take because in some instances very little in- j , / ^ he,,,,11 's available. In some cases a plan is being formulated to issue refund-i1 ' X « at a reduced interest rate. In some cases the situation appears to be ® (J^ty J this connection, your examiner respectfully recommends that the j v to V;, r°ceed as soon as possible to obtain complete and reliable information ^be exact status is in regard to all bonds in default and what the fl’, .J^lar 1 lllay be for recoveries. The Supreme Board meets in January, 1937, in ^lai auSs*°n and it would seem imperative that this matter be given their : ^ Mention. the bonds in default are the Everglades Drainage District Florida fcN.ln ,hich the Society has a total investment of $35,000.00, par value, cost |Je p\i»„, arket value as of June 30, 1936, was quoted at $7.000.00. These bonds. ;;'°0o.0ochased on different dates, namely, $25,000.00 on February 28, 1921, and ,j • i"' *hev 011 December 24, 1925. The former bear interest at 6%, and the latter j rlV'1, h‘fi (i„?a*'Ure in various years, from 1934 to 1954. These bonds are consider-^ as to interest and part of them are in default as to principal, i k h« ^ten ’°00-00- Said bonds are in the possession of a bondholders protective •iS* best in'f 'v^ich committee appears to be doing all in its power to safeguard * itt,^lthQl, ^sts of the bondholders in this particular investment. ’ af' ‘'e §tn the bonds are said to bear the signatures of various state officials 0, i, k^Uo«,0 of Florida, said bonds are not e. direct obligation of said State. trnkar«! is a brief summary giving the history of the bonds and security. | V, these bonds were issued for the purpose of financing an extensive i , tn ^ect covering approximately five million acres, which total issue is I gfil » . close to ten million dollars. These bonds are also referred to as 1 !v C61a(3e7^Sment Bonds” and appear to be a direct obligation of the entire ' '„ii! h/Of jm . a*naSe District. Practically all of this district was ceded to the ^ aft.01ida by the United States Government by act of Congress in 1850. p ' ^ kno-.,R1 ^e grant, the Florida legislature passed an act creating a State ■•/ll1* ih t]11 as “Internal Improvement Board” to hold title to these lands in * ‘, ji state, the Governor and other officials mentioned, ex-officio, to ^llC fcNtehS? board- Tllese sam officials likewise constitute the Board of e. >^6mfcnrrS °f Everglades Drainage District, in which Board is vested the, ., s? thj ^ is rp, ailhSit in j>. a^eous expense items are paid. ^ ~ $^,919.22 .•od'1 boHstant- deP°sited in various banks was verified in the usual manner, ’ eft >^ories la^ed by obtaining the customary form of certificates from the r HdS'ded «L °ah Sta/1 bank deposits is the sum of $5,700.00 in the Pittsburgh «lF i5 ci0ar® Bank and Trust Company, of Pittsburgh, Pennsylvania, which ,f j K*1' ^:,0°0 00 since 1931. The amount on deposit at the time the bank closed V Vf to iifnd slnce then the Society has received a total return of 43%. d in, ts^her d f *nformation available at this time the prospects for receiving .,3d1. isk’!°0.oo js 1J/ldends from this bank are very remote, therefore this balance ii P1'1' A,nW teCiUCted as assets not admitted. 5 'V Ci01 JmJ oo0 Bank for Deposit — $20,486.50 3,1 li' % ^as jn , ’ 1936> the records show that the sum of $20,486.50, consisting of 55 ii >IiifQs^. Whi lransit United States mail) from the home office to the bank y 1st »J. dePosit was credited to the Society.’s account by the depository, 0 and 2nd, 1936. 1 Loans on Certificates — $135,456.37 Certificate loans made to members amount to $135,456.37, which amount in-' eludes the sum of $7,645.35 and represents interest charged to the principal. This is due to the fact that interest on certificate loans is not required to be paid in advance. The interest rate is 6%. However, after January 1, 1937, the rate will be reduced to 4% according to a resolution adopted by the Convention this year. ' Individual accounts are kept with each borrower, which is a subsidiary record and was reconciled with the control account kept in the general ledger. Only one item was found which exceeded the reserve, and this amounted to $6.76 and is deducted under assets not admitted. Assessments Due — $1,604.93 The assets include the sum of $1,604.93, which amount consists of current assessments due as of the date of this examination and which have actually been collected by the subordinate lodges but not yet remitted to the home office on said date. LIABILITIES Unpaid Claims Death Claims — $34,G03.51 As of June 30, 1936, the date of this examination, there were 99 unpaid death claims for which the liability amounts to $34,603.51, which are classified as follows: 91 adjusted ..........$28,209.51 7 unadjusted ........ 5,394.00 1 resisted ......... 1,000.00 ----------- Total ................$34,603.51 All of the 7 unadjusted claims have since been adjusted and paid. The adjusted claims have also been reduced by $2,579.27 subsequent to the date of examination. One claim for $1,000.00 is being resisted and it appears that the Society is amply justified in this procedure. It should be explained that the reason for the comparatively large number of unpaid adjusted death claims of record is due to the fact that in almost every case the beneficiary’s address is unknown, or the beneficiary is a minor. In most cases it seems preferable to the beneficiary to wait for payment until of legal age instead of having a guardian appointed. From the following schedule of unpaid death claims as of June 30, 1936, it will be noted that quite a few are of long standing, dating back as far as 1907: Number of Claims—Occurred in Amount 1 1907 $ 292.49 1 1912 189.75 1 1915 258.49 1 1917 570.19 1 1918 141.58 4 1919 1,691.18 3 1920 414.08 5 1921 2,440.74 4 1922 774.25 2 1923 272.30 2 1924 340.99 5 1925 1,321.94 2 1926 494.64 3 1927 1,535.99 2 1928 366.39 5 1929 1,246.83 I 1930 53-85 10 1931 2,274.87 5 1932 1,017.75 G 1933 3,303.52 10 1934 2,930.46 25 1935-1936 12,671.23 99 $ 34,603.51 Interest at the rate of 3% was allowed on deferred payments, up to 1933. No interest has been allowed since except to minor beneficiaries and at the rate of 1%, which allowance was also discontinued Januai'y 1, 1935. For accounting purposes it would seem better if all unpaid claims which cannot be paid until some time in the future, lor reasons first explained, were charged out as a disbursement and treated as a ledger liability. As a matter of fact it is the Society’s plan to do this hereafter. Sick and Accident Claims Unpaid — $23,815.00 As mentioned in the forepart of this report,.'the Society makes provision in its By-laws (not by certificate or policy) for the payment of benefits to its members for sick and accident and disability in addition to death benefits to those who pay the addditional cost for this coverage. A distinction is made by the Society between sick and accident, and disability feaures, also accounted for in two separate funds namely, “Sick and Accident Fund” and “Disability Fund.” A separate charge fs iriadt? fbr each coverage and a member may elect to have either one or both. The sick and accident period is limited to one year, of which the first six months is for full benefits and the following six months for 50% benefits as the result of either sickness or accident. As of June 30, 1936, there were 315 pending sick and accident claims for which liability is estimated at $23,815.00, which amount is reflected as a liability. The larger portion of these claims have subsequently been paid. Disability Claims — $11,621.05 After the expiration of one year of *disability for sick and accident and the member is still disabled, he then falls into the class known as the “Disability Class,” which period is limited to two years. As of June 30, 1936, there were 100 such claims pending, for which liability was estimated at $11,621.05. Net Reserve Upon All Outstanding Certificates — $1,535,380.70 The net reserves on all Plan A wholte life certificates were calculated on the National Fraternal Congress Table of Mortality, with 4%, and all other forms of certificates in accordance with the American Experience Table of Mortality at 4%, which reserves were calculated as of June 30, 1936, and total the sum of $1,535,380.70. This amount is included as a liability in the financial statement. Surplus — $332,664.34 As will be observed from the financial statement herewith, the total admitted assets exceed the total liabilities to the extent of $332,664.34, which amount reflects the surplus of the Adult Department. JUVENILE DEPARTMENT The Juvenile Department was officially organized and became ail auxiliary organization to the South Slavonic Catholic Union at its regular convention held in Chicago on September 22, 1920. It has separate By-laws from the Adult Department and the Supreme Board of the parent society has general management of its affairs. At the present time it has a membership of approximately 7,000. Membership in this Department is available to children who have not reached the age of 16 years, upon passing a satisfactory medical examination. The fee for the medical examination is paid by the Union. Benefit certificates issued to the members are based on the Standard Industrial Table of Mortality with 4% interest. Death benefits are based on the following schedule: Age at next Amount of insurance birthday at attained age 1 ...................................$ 25.00 2 ..................................... 34.00 3 ......'.....1........................ 40.00 4 48.00 5 ..................................... 58.00 6 ................................... 140.00 7 ................................... 168.00 8 200.00 9 .................................... 240.00 10 .................................... 300.00 II .................................... 380.00 12 .................................... 450.00 13 ...........j........................ 450.00 14 .................................... 450.00 15 .................................... 450.00 16 ................................... 450.00 Members in the Juvenile Department are permitted to remain in this di-I vision until the age of 18 years, if so desired, when they must either transfer to i the Adult division or be automatically dropped from the rolls. Each member is charged a flat rate of 15 cents per month for the benefit protection furnished, except those members who joined after the age of 14 years, who pay a rate of 20 cents per month during the period of membership between the age of 16 and 18 years. From the amount paid by members each month, 1 cent is allocated to the expense fund and the balance to the mortuary fund. Any member may, on or after the sixteenth birthday, file application for adult membership in the Union, at the surrent rate of assessments for adult members at the attained age and without medical examination unless the i amount of insurance applied for exceeds the sum of $500.00, in which case the applicant is required to pass the regular medical examination as required of adult members. Members who transfer to the adult department receive a proportionate share of the reserve accumulations, if any, as a credit allowance toward a certificate in the Adult Department provided the member became affiliated with the Society before the age 'Of 13 years and transfers within a period of 6 months after reaching the age of 16. Any member who does not elect to transfer, forfeits all right to any share in the reserve accumulations, which is in accordance with the By-laws. ANNUAL STATEMENTS Annual statements for the years 1932, 1933, 1934 and 1935 as filed with your Department were verified with the books of the Society as to Income, Disburse-ments, and Ledger Assets. No errors were noted. BOOKS AND RECORDS Postings from the subsidiary record books were checked into the ledger for the entire period covered in the financial statement and no discrepancies were noted. The income items were checked solid for the months of January, February and March, 1936, and the disbursements for the first six months of 1936 and all of 1935. Exhaustive test-checks were made of the disbursements for 1933 and 1934. No errors were noted. A convention of juvenile delegates was held at Ely, Minnesota, during August 1935, which was the conclusion of a special membership drive, and was attended by delegates elected on the basis of enrollment of new members. Approximately 1,600 new members were added as the result of this drive. The sum of $2,989.15 was used to defray the expenses of this convention and charged to the mortuary fund (surplus), which was unanimously approved by both the Supreme Board and the Convention of the Adult Department held in 1936. Following is a financial statement showing the condition of the Juvenile Department as of the close of business June 30, 1936, with Income and Disbursements from January 1, 1936, to June 30, 1936: Balance in Funds December 31, 1935: Mortuary Fund .................................. $131,098.36 Expense Fund ........................................ 100.20 Total .................................................... $ 131,198.56 INCOME Assessments: Mortuary fund ................................$ 4,022.83 Expense fund .................................... 286.92 Total received from members ............................... 4,309.75 Interest from bonds, less $124.48 interest on bonds acquired credited to mortuary fund................... 2,620.52 TOTAL INCOME ...................................................... 6,930.27 SUM .............................................................$ 138,128.83 DISBURSEMENTS Mortuary Fund: Death claims paid...................A.........$ 1,408.00 Reserve credits to transferred members 352.80 Gross decrease by adjustment in book value of bonds ...................................... 1,089.15 2,849.95 Expense Fund: Transfer to Adult Department ................................ 350.00 TOTAL DISBURSEMENTS .............................................. 3,199.95 | BALANCE .........................................................$ 134,928.88 The foregoing balance, by funds: Mortuary Fund....................................$134,891.76 Expense Fund ......................................... 37.12 Total ...........................................$134,928.88 LEDGER ASSETS Real estate (home office property) less $150.00 encumbrances ............................................. $ 22,530.77 Book value of bonds..................................... 110,330.00 Cash in bank ........................................... 2,068.11. TOTAL LEDGER ASSETS ............................................ $134,928.88 NON-LEDGER ASSETS Accrued interest on bonds not in default ........................... 1,555.71 Assessments due and in possession of the subordinate lodges 18.80 GROSS ASSETS ................................................... $136,503.39 DEDUCT ASSETS NOT ADMITTED Book value of bonds over market value............................... 1,655.00 j TOTAL ADMITTED ASSETS .......................................... $134,848.39 LIABILITIES Death claims ........................................ $........... Reserve for accumulated credits............................ 15,624.00 Reserve on death benefit certificates....................... 8,788.50 Reserve credits due and payable............................. 80.88 Advance assessments ........................................... 2.50 TOTAL LIABILITIES ................................................ 24,495.88 ■ EXCESS OF ADMITTED ASSETS OVER ALL LIABILITIES .... $110,352.51 EXHIBIT OF CERTIFICATES Number Amount In force December 31, 1935 ............................... 7,099 $2,300,125.00 Certificates written ....................................... 210 36,525.00 Certificates revived ....................................... 136 42,010.00 j 7,445 2,378,660.00 Deduct terminated or decreased ............................. 470 175,442.00 -------------------- Certificates in force June 30, 1936 ...................... 6,975 $2,203.218 00 Certificates terminated by death ............................. 4 1,408.00 Certificates terminated by lapse ........................... 285 92,584.00 Certificates terminated by transfer to Adult Department.... 181 81,450.00 Total terminations ........................................ 470 $ 175,442.00 ANALYSIS OF FINANCIAL STATEMENT INCOME AND DISBURSEMENTS Items of income appear to be self-explanatory. The only item in the disbursements which may seem to require some explanation is the transfer of $350.00 from the expense fund to the Adult Department. This transfer is one of several transfers which the Juvenile Department makes to the Adult Department from time to time for reimbursement of expenses paid on behalf of the Juvenile Department, also for administration and clerical work. In this connection it was noted that the amounts so transferred represented whatever balance remained in the expense fund of the Juvenile Department instead of being based on actual expenses, and other charges for administration and clerical work. It is, therefore, suggested that a more correct method be used in the adjustment of this item between the two departments. ASSETS Real Estate — $22,530.77 The real estate item represents the Juvenile Department’s investment in its home office property which was completed for occupancy in 1933 at a cost of $22,530.77, which amount is also the present book value. The sum of $22,530.77 includes the purchase price of the ground space, which was $3,500.00. The home office building is situated on lots 10, 11 and 12, block 25, Whiteside’s Addition to the City of Ely, Minnesota; 344 E. Harvey Street. The total ground space has a frontage of 150 feet and a depth of 75 feet. The building is an attractive one story structure with basement, 68 feet by 35 feet, built of the best grade of Kasota Lime Stone and Tile, with Barrett Black Diamond roof, and equipped with oil heat. All expenditures in connection with the home office property, which was erected on bids, were verified by your examiner and found in order. The real estate is allowed as an asset for the full amount of the book value, which seems proper at this time. The deed to the property is on record and shows proper title to the Juvenile Department. Adequate insurance for both fire and windstorm is effective on the building. While the Juvenile Department is the owner of the home office property, the Adult Department is paying all the maintenance expenses of the building, such as taxes, insurance, repairs, janitor service, heat and light, in lieu of the rent lor the space it occupies. It is suggested that this practice be changed whereby the Adult Department be obliged to pay rent for the space it occupies and that the Juvenile Department pay all the expenses. Book Value of Bonds — $110,330.00 The investment in bonds amounts to $110,330.00, book value, par value the same. The total cost of the bonds owned as of June 30, 1936, is $113,290.47. The Society adjusts all its bonds to par value on its books at the time of purchase. These are kept for safekeeping in a Duluth, Minnesota, bank deposit vault and were duly counted, inspected and compared with the records of the Society. All of the bonds are of the character contemplated by law. The total investment consists of state, county and municipals. Bonds of the par value of $15,000.00 are in default as to interest. None are in default as to principal. The past due interest in default amounts to $1,643.75. For the purpose of the financial statement, I have used market values (June 30,1936) to determine the value of bonds for the same reason as expressed in connection with the valuation of the bonds owned by the Adult Department. The rates used were obtained from a responsible firm of brokers, and as a result of these values the book value exceeds the market value to the extent of $1,655.00, which excess is deducted as an asset not admitted. According to the Society’s method of amortization, the book value would reflect an excess of $3,691.37 over the amortized value. Accrued interest on bonds not in default was determined and amounts to $1,555.71, which item is reported as a non-ledger asset. (Continued on past 6) DOPISI Nadaljevanje z 2. strani. preudarno ravnalo, bi zdaj tam imeli Slovenci svoj Dom, tako se morajo pa drugod potikati. Meni se še najbolj dopade priporočilo za povečanje (podaljšanje) sedanjega J. N. Doma na Elyu, ker je še nekaj praznega prostora na stavbišču, ki spada Domu. Matija Pogorelc. Center, Pa. — Po daljšem času naj spet sporočim nekaj novic iz naše naselbine.—Delavske razmere so po navadi. Za delo sposobni ljudje večinoma delajo, nekaj jih je pa itak vedno brez dela. Dne 3. aprila je bila prišla domov na pardnevni obisk k svojim staršem Miss Annie Eržen, ki ima službo v zakladni-Skem departmentu zvezne vlade v Washingtonu. Tam sta zdaj kar dve ameriški Slovenki iz naše naselbine, namreč Annie Eržen in Marie Peternel, obe v federalni službi. Obe sta seveda rojeni v tej deželi, toda sta zmožni slovenskega jezika v besedi in deloma tudi v I pisavi, kar je vsekakor častno. Častno je tudi, da imamo kar dve naši rojakinji v federalni službi v našem glavnem mestu. Ko se nas je bila lani neka mala družba podala v Washington, nam je Miss Marie Peternel pokazala mnoge zanimivosti našega glavnega mesta. Videli smo mnogo več, kot če bi bili sami iskali. Saj se ve, kako je s tujcem, ki pride v veliko, neznano mesto. Mogoče se spet letos kakega lepega poletnega jutra znajdemo v Washingto-j nu in se pozdravimo z našima | mladima prijateljicama iz Cen-| tra. Sobrat Paul Oblock, drugi glavni podpredsednik, ki je bil operiran za kilo, se zdaj zdravi doma in mu gre znatno na boljše. Želimo mu skorajšnega in popolnega okrevanja. Njegov brat Ignac je pred kratkim skočil v zakonski stan; njegova boljša polovica je slovaške na-I rodnosti in tu rojena. Drugi brat Tony je predsednik tukaj-šnega Slovenskega kluba. On ! lastuje večje število truckov in dve parni lopati, tako da lahko prevzame precej velike kon-trakte. želiAio mu mnogo uspeha. Jurij Previc in njegova soproga sta v nedeljo 11. aprila prišla iz Bele doline malo k nam na Center na obisk. Jurij je bil več časa bolan za revmatizem, zdaj pa se spet povoljno počuti. To je potrdila tudi njegova soproga. Slišal sem, da ima sosestra Mary Rihtar iz Universala neko zelo uspešno zdravilo za nahod. Samo nekaj je treba po-duhati iz neke steklenice, pa gre nahod po gobe. Na večer 10. aprila je imelo tukajšno angleško poslujoče društvo Ramblers, št. 221 JSKJ svojo pomladno veselico v Slovenski dvorani na Centru. U-deležba je bila prilično dobra, vendar bi bila lahko boljša, ker take prireditve so bolj redke. Kegljaške tekme, ki se je vršila v nedeljo 11. aprila v Pittsburghu, Pa., se je udeležilo tudi precejšno število članov in članic društva Ramblers in bili so uspešni. Kot se sliši od strani, so se posebno naše punce dobro odrezale, kajti dobile so več prvih nagrad in tudi “trophy” so prinesle na Center v Slovensko dvorano. Tudi fantje so dosegli nekaj nagrad, toda moškim zmagovalcem namenjeni “trophy” je ostal v Pittsburghu. Govori se, da drugo leto pride na Center. Naj še omenim, da se več kegljačev in kegljačic iz Centra namerava udeležiti kegljaške tekme, ki se bo vršila 25. aprila v Clevelandu, Ohio. Želimo jim mnogo uspeha. Frank Schifrar, tajnik društva št. 33 JSKJ. Dalje na 7. str. rr NOVA DOBA rr GLASILO JUGOSLOVANSKE KATOLIŠKE JEDNOTE Lastnina Jugoslovanske Katoliške Jednote IZHAJA VSAKO SREDO Cene oglasov po dogovoru Naročnina za člane 72c letno; za nečlana $1.50; za inozemstvo OFFICIAL ORGAN of the SOUTH SLAVONIC CATHOLIC UNION, Inc., Ely, Minn. Owned and Published by the South Slavonic Catholic Union, Inc. ISSUED EVERY WEDNESDAY Subscription for members $.12 per year; nonmembers $1.50 Advertising rates on agreement Naslov za vse, kar se tiče lista: NOVA DOBA 6233 St. Clair Ave. Cleveland, O. VOL. XIII. 10 Jf NO. 16 12 URADA GLAVNEGA PREDSEDNIKA Spoštovani mi bratje in sestre:— Glavni predsednik Narodnega bratskega kongresa, Mr,. S. H. Hadley, je proglasil od 19. aprila in do 24. aprila Narodni bratski teden. Želja predsednika bratskega kongresa je, da v temu tednu posvetimo vse naše moči ter smernice našim bratskim organizacijam. Governer države Ohio je določil Narodni bratski teden od 30. avgusta do 2. septembra za državo Ohio, ob priliki konvencije Narodnega bratskega kongesa, katera se bo vršila tiste dni v mestu Columbus, Ohio. Vsem bratskim organizacijam, katere so priključene tej organizaciji, je dana prilika, da baš te dni pokažejo ogromno moč, katero tvorijo bralske organizacije v tej deželi. Jugoslovanska katoliška jednota je članica Narodnega bratskega kongresa ter ravno te dni obhaja svoj narodni praznik in se obenem priključuje skupni slavnosti vseh bratskih organizacij. Ob prvega aprila do tridesetega junija tega leta je določen po glavnem odboru naše Jednote čas naših smernic ter naših aktivnosti. Druga mladinska konvencija je sedaj na našem programu. Vse priprave in načrti za to drugo našo narodno manefistacijo so v polnem razmahu. Prospektivni delegati so že na delu, da si čim preje pridobe predpisano kvoto novih članov. Prva mladinska konvencija je dosegla svoj namen, radi tega je zadnja konvencija določila, da se naše mladinske konvencije vrše periodično na vsaki dve leti. Po novem načrtu ima vsako društvo priliko poslati toliko delegatov kot samo želi. Glavno je, da prispektiVni delegat pridobi 30 novih članov v mladinski oddelek ali 15 novih članov v odrasli oddelek. Zelo povoljne novice prihajajo od vsepovsod o naši agitaciji, zadnji teden smo celo čitali, da je prvi dosegel predpisano kvoto nadebiulni mladenič in sobrat Anton Primc Jr. od društva šl. 173 v Clevelandu, Ohio. Radi lega apeliram, posebno na ona društva, ki do sedaj še niso prijavila svojih kandidatov, da to store nemudoma. Ko pridete na vaših sejah z dnevnim redom k točki 7., prosim društvene tajnike, da prečita jo ta moj apel na društveni seji, ter da se pri točki 18. dnevnega reda pomudite toliko časa, da tudi pri vašem društvu nemudoma imenujete kandidata za prihodnjo mladinsko konvencijo. Prepričan sem, da v tej kampanji ne bo nobeno društvo pasivno. Prepričan sem, da bomo vsi kot bratje in sestre pokazali svojo lojalnost napram naši Jednoti ter šli takoj vsi na delo za svojo organizacijo. Z bratskim pozdravom, PAUL BARTEL, glavni predsednik JSKJ. Kandidati za mladinsko konvencijo Dosedaj so glavnemu uradu prijavljeni sledeči kandidati za delegatstvo mladinske konvencije: Društvo št. 1, Elg, Minn., Fred Tomsich; ” ” 2, Elg, Minn., Albert Pechaver; ” 6, Lorain, O., Victoria Kumse*; ” 21, Denver, Colo., Helen Okoren in Josephine Mauser; ” 30, Chisholm, Minn., Louis Ambrozich Jr.*; ” 31, Braddock, Pa., John Cvetan in Frank Regina; ” 33, Center, Pa., Isabelle Eržen; ” 37, Cleveland, O., Joseph Rudolf-', Lillian Rudolf in Edward Zalar; ” ” 54, Hibbing, Minn., Caroline Kern*; " 57, Export, Pa., Mary Supansich; ” 66, Joliet, III., Frances Music h in Mary Russ*; ” 94, Waukegan, III., Frank Novak; ” 107, Duluth, Minn., Joseph Tomick; ” ” 120, Ely, Minn., Molly Koroshetz*; ” 132, Euclid, O., John Tanko Jr. in Dorothy Gruden*; ” 138, Export, Pa., Thomas Kuznik; ” - ” 159, Cornwall, Pa., Frank Meze Jr.; ” 166, Indianapolis, Ind., Louis Žnidaršič Jr.; ” 173, Cleveland, O., Anton Prime Jr.** in Albert Poklar**; ” 180, Cleveland, O., Frances Jean Kolar; ” 184, Ely, Minn., Robert Champa*; ” 229, Struthers, O., Virginia Mikolich*. Kandidati, označeni z eno zvezdico, so bili že delegati na prvi mladinski kotivenciji; kandidati, označeni z dvema zvezdicama, so pa že dobili dovolj novih članov, da so kvalificirali za delegatstvo druge mladinske konvencije. VSAK PO SVOJE (Nadaljevanje s 1. strani) kih 25 let. Ako mož misli, da je s preziranjem vode dosegel kakšen rekord, se temeljito moti. Jaz poznam rojaka, ki si ne privošči čaše vode niti na vsakih 50 let enkrat! Zapisano je, da kdor že ima, se mu bo še dodalo. Brivec Nick Turco v New Yorku, ki ima že 12 svojih otrok, je oni dan, ko se je vrnil s sprehoda, našel na pragu še trinajstega. Mož pa je menda mislil, da je številka 13 nesrečna, in je najdenčka izro-' čil policiji. * V Indiji živi divjaško pleme Purarov, ki ima nekatere zelo čudne običaje. Med te običaje spada tudi, da mora ob priliki kake svatbe eden svatov s puščico v nogo obstreliti nevestino mater oziroma bodočo taščo. Pu-rari so sicer divjaki, vendar bi omenjeni običaj ugajal tudi marsikateremu oženjenemu možu v civilizirani Ameriki. Vendar, kakor stvari stojijo, ni verjetno, da bi bil v to svrho potrebni amendment kaj kmalu sprejet. * V Birminghamu na Angleškem je vodstvo neke pivovarne obljubilo delavcem, ki se za primer vojne zapišejo v armado, garantirano delo, ko se vrnejo iz vojne, če bo pivovarna še eksistirala. To pa ni posebno širokogrudna obljuba. Da bi pivovarna po vojni ne eksistirala, ni velike nevarnosti, toda veliko vprašanje je, koliko bivših vojakov bo po vojni eksistiralo. ❖ V Roslynu, N. Y., je nastal med starši šolskih otrok in med učitelji hud spor glede učenja, da štorklje prinašajo otroke. Ena stranka trdi to, druga drugo. Morda bi bilo umestno to reč predložiti v razsojo vrhovnemu sodišču. ❖ Ameriški listi so nedavno pri-! nesli obširna poročila o francoski igralki in časniški poročevalki Magdi Fontangesovi, ki je tri mesece imela ljubavno razmerje z italijanskim diktatorjem Mussolinijem in ki je obstrelila francoskega državnika grofa Chambruna, kateri ji je baje preprečil nadaljevanje tega razmerja. Seveda so o tej pikantni dogodbici poročali tudi skoro vsi slovenski listi v A-meriki. Slovenski listi v starem kraju pa so v tem oziru izpostavljeni strogi cenzuri. V ljubljanskem dnevniku “Jutru” sem j te dni videl precej obširno poročilo o streljanju Fontangeso-j ve na grofa Chambruna, toda na krajih, kjer bi moralo biti omenjeno Mussolinijevo ime, so be'-le lise, ki molče trobentajo o strogi cenzuri. Ameriški Slovenci bi se vpričo tega lahko izpraševali, da-li je Jugoslavijo še svobodna država, ali je pašiluk diktatorja Mussolinija! V neki ameriški reviji sem či-tal, da je general Franco, poveljnik španskih rebelov, dne 6. novembra lanskega leta tele-fonično naročil restavracijam v Madridu, naj njemu in njegovim hrabrim vojakom pripravi-! jo za drugi dan dobro kosilo. Od takrat je preteklo več ko štiri mesece, toda general Franco s svojimi rebeli še vedno zaman trka na vrata Madrida. Juha tistega 6. novembra naročenega kosila je gotovo mrzla in piščanci bi lahko spadali v razred kokelj. ❖ Po parkih so zagoreli grmiči zlatega dežja kot cveteči kresovi. Razkuštrane glave starih vrb so se ovile v mlade zelene sanje. Trate so zelene kot na j čistejši emerald, črešnje in magnolije se kitijo s prelestnimi belimi in rožnato nadahnjenimi šopki. Vse to, prijatelji, je v počast vitezu Zelenemu Juriju in božanski Vesni, ki vriskajoča prihajata v deželo! * Naj reče kdo, kar hoče, fantje pri društvu Ilirska Vila, št. 173 JSKJ v Clevelandu, Ohio, so pa res gadje. Predno je kampanjski petelin trikrat zapel, so imeli kvalificirana že dva delegata za mladinsko konvencijo! In, kakor pravijo, se še ne mislijo ustaviti! A. J. T. RAZNO IZ AMERIKE IN INOZEMSTVA (Nadaljevanje s 1. strani) ČUDNA BOLEZEN V mestu Santa Ana, Cal., se zdravniki zanimajo za nenavadno bolezen 49 let starega belega W. L. Morrisona, katerega koža je v teku par mesecev postala popolnoma črna. Mož ne čuti nikakih bolečin, toda nima teka in je zelo shujšal. Koža mu je začela črneti meseca januarja najprej na rokah in b-brazu, polagoma pa se je črna barva razširila po vsem telesu. Nekateri zdravniki menijo, da izhaja bolezen iz jeter, ki izločujejo neko črno tvarino v kri. Bolezen je zelo redka in nenavadna in se običajno konča s smrtjo. NAPETOST V RUMUNIJI Iz Rumunije se poroča, da je tamkajšnja situacija zelo napeta in da je morda prestol kralja Karla v nevarnosti. Fašistična organizacija “Železna straža” je baje nameravala izvesti državni udar in postaviti Karlovega brata Nikolaja na prestol. Kakor je. bilo že poročano pred tednom, so bile Nikolaju odvzete kraljevske predpravice in je bil postavljen pod nadzorstvo. Aretiranih je bilo več zarotnikov. DEVET UBITIH Na farmi Johna Waszaka blizu mesta Muskego, Wis., je eksplozija dinamita razdejala njegovo hišo in ubila vso njegove družino, namreč ženo in štiri sinove in štiri hčere, katerih starost je znašala od treh do dvajset let. Na nepojasnjen način je eksplodiral zaboj dinamita, ki je bil spravljen v kleti. Gospodar je ušel smrti, ker je bil pri hlevu, kakih 50 čevljev od hiše. Dinamit, ki je eksplodiral* je bil ostanek večje količine dinamita, katerega so pred leti rabili za razstreljevanje drevesnih štorov. POSREDOVANJE ZA MIR V Londonu in Parizu resno razpravljajo o posredovanju za mir na Španskem. Po mnenju tamkajšnjih državnikov evropski posredovalci ne bi dosti dosegli, ker so vse večje evropske države smatrane za pri-itranske od ene ali druge bo-jujočih se strank v Španiji. Največ upanja na uspeh bi i-melo posredovanje predsednika j Zedinjenih držav, morda v zvezi z zastopniki drugih ameri-! ških republik. Da-li bi bil predsednik Roosevelt pripravljen ponuditi posredovanje za mir v ! Španiji, ni znano. VOJNA V ŠPANIJI Dino Grandi, italijanski poslanik v Londonu, je pretekli teden izjavil, da je Italija pripravljena razpravljati o odpoklicu italijanskih “prostovoljcev” iz Španije. Zdi se, da se Italija boji splošne evropske vojne, ki bi se lahko izcimila iz španskega kaosa, ali pa se ne zanese več na hrabrost svojih vojakov v Španiji. Poleg tega je zadnje čase tudi Francija indirektno namignila, da če bo Italija še nadalje pošiljala vojaštvo na pomoč španskim re-belom, bo Francija začela pomagati vladnih četam. Blokada Španije od strani raznih držav bi se morala pričeti 19. aprila. Taka blokada, ki bi preprečevala obema bojujočima se strankama v Španiji dobavo vojaštva, orožja in živeža iz inozemstva, je bila že parkrat obljubljena, toda je doslej še vedno ostala le na papirju. Glasom zadnjih poročil so španski rebeli skoro na vseh frontah “kratko” vlekli. Le z baške fronte javljajo rebeli o nekih zmagah, katere pa vladna stranka zanika. Jugoslovanska Katoliška Jednota v Amer® ELY, MINNESOTA GLAVNI ODBOR: a). Izvrševalni odsek: Predsednik: PAUL BARTEL, 225 N. Lewis Ave., Waukegan, 111. Prvi podpredsednik: JOSEPH MANTEL'', Ely, Minn. Drugi podpredsednik: PAUL J. OBLOCK, R. D. 1, Box 153, Turtle Creek, Pennsylvania. Tretji podpredsednik: FRANK OKOREN, 4759 Pearl St., Denver, Colo. Četrti podpredsednik: JOHN P. LUNKA, 126G E. 173rd St., Cleveland, Ohio. Tajnik: ANTON ZBAŠNIK, Ely, Minn. Pomožni tajnik: PRANK TOMSICH, JR., Ely, Minn. Blagajnik: LOUIS CHAMPA, Ely, Minn. Vrhovni zdravnik: DR. F. J. ARCH, 618 Chestnut St., Pittsburgh Penna. Urednik-upravnik glasila: ANTON J. TERBOVEC, 6233 St. Clair Ave., Cleveland, Ohio. b). Nadzorni odsek: Predsednik: JOHN KUMSE, 1735 E. 33rd St., Lorain, Ohio. /; 1. nadzornik: JANKO N. ROGELJ, 6401 Superior Ave., Cleveland' Ohio. 2. nadzornik: FRANK E. VRANICHAR, 1812 N. Center St., Joliefc Illinois. 3. nadzornik: MATT ANZELC, Box 12, Aurora, Minn. 4. nadzornik: ANDREW MILAVEC, Box 31, Meadow Lands, Pa- ZDAJ PA ŠE HITLER! Ni ce šev dobro polegel hudomušni smeh zaradi Mussolinijeve ljubavne afere z neko ! bivšo francosko igralko, ko je prišel tudi nemški diktator Hitler na vrsto. Baje se je zagledal v znano filmsko igralko Polo Negri in je poslal na Poljsko agente, da poizvedo, če Pola Ncgri ni židovskega pokole-nja. Kot znano, je Pola Negri Poljakinja in njeno pravo rodbinsko ime je Apolonija Chalu-piec. Omenjeno senzacionalno novico sta prinesla dva poljska dnevnika, eden v Varšavi, drugi pa v Katovicah. Poljske oblasti so oba lista zaplenile, češ, da ni dovoljeno žaliti vladarja druge države. VEČ KRME ZA TOPOVE Fašistična Italija si na vse načine prizadeva zvišati število rojstev v državi, da bi imela več prirastka in rezerve za j vojake. Samci so obdavčeni in družine z večjim številom otrok so deležne raznih ugodnosti. Dosedanji rezultati pa menda še niso povoljni, zato je bil izdan nov odlok, po katerem bo vsakemu delavcu zvišana plača z rojstvom vsakega sina. Poleg tega se bodo novoporočencem dovoljevala državna posojila, znašajoča od $52 do $1.58, za začetek gospodarstva. Ta posojila se bodo odplačevala v dolgoletnih obrokih. Ob rojstvu prvega otroka se bo zakoncema črtalo 10% dolga, pri drugem 20% in tako naprej. V POMOČ PRISELJENCEM (Nadaljevanje s 1. strani) Le v štirih državah—California, Delaware, Massachusetts in New York—imamo neke javne ustanove, ki izvršujejo oskrbo kake vrste za priseljence. Vse druge organizacije za blagor priseljencev so privatnega značaja. Te vsebujejo take organizacije, kot so Foreign Language Information Service, International Migration Service, Hebrew Sheltering and Immigrant Aid Society itd. Izmed bolj specijaliziranih organizacij naj navedemo takozvane International Institutes, ki delujejo v 37 mestih. V drugih krajih so druge organizacije, ki nosijo taka imena kot Citizens’ bureau, Americanization C o u n c il ali committee, bureau of adult education, interracial council in enako. Njihovo delovanje v splošnem vključuje tudi pomoč za naturalizacijo in za druge priseljeniške probleme. Nekatere organizacije se ukvarjajo z' vzgojo za odrasle potom tečajev za angleščino in državljanstvo, dočim druge stremijo za oskrbo v Ameriki rojenih otrok priseljencev, organizirajo klube, debatne skupine, pospešujejo zabavna in prostočasna delovanja, kakor tudi ljudske proslave, razstave in predstave v narodnih nošah, ki naj drugi generaciji vlivajo nekaj spoštovanja za podedovano kulturo staršev. Mnoge ameriške organizacije rade sodelujejo z lastnimi organizacijami tujerodcev, njihovimi cerkvami, jednotami, telovadnimi, dramatičnimi in glasbenimi društvi itd. Miss Schibsbin članek o “Priseljencih in njihovih otrocih” je le eden izmed mnogih razprav, ki jih je najti v letniku “Social Work Year Book.” To je bistveno neka enciklopedija organiziranih aktivnosti v ameriškem so-cijalnem delu in na sličnih poljih. V primeri s prejšnjo izdajo od 1. 1935 se razpravlja v letniku o mnogih novih predmetih, kot so zakon za socijalno varnost, Work Relief, Civilian Conservation Corps, starostno zavarovanje, zadružništvo itd. Važen del letnika je seznam 1020 GLAVNI POROTNI ODBOR: Predsednik: ANTON OKOLISH, 1078 Liberty Ave., Barberton, O' 1. porotnik: JOHN SCHUTTE, 4751 Baldwin Ct., Denver, Colo. 2. porotnik: FRANK MIKEC, Box 46, Strabane, Pa. 3. porotnica: -ROSE SVETICH, Ely, Minn. 4. porotnik: VALENTIN OREHEK, 264 Union Ave., Brooklyn, N. *■ Jednotino uradno glasilo. NOVA DOBA, 6233 St. Clair Ave., Cleveland, Ohio Vse stvari, tikajoče se uradnih zadev, naj se pošiljajo na glavnega tajnik11' denarne pošiljatve pa na glavnega blagajnika. Vse pritožbe in prizive naj so slovi na predsednika porotnega odbora. Prošnje za sprejem novih članov, Pr("' njo za zvišanje zavarovalnine in bolniška spričevala naj se pošiljajo na vrhovnega zdravnika. Dopisi, drudtvena naznanila, oglasi, naročnina nečlanov in izpremembe J1®* slovov naj se pošiljajo na naslov: Nova Doba, 0233 St. Clair Ave., Cleveland, Jugoslovanska Katoliška Jednota v Ameriki je najboljša jugoslovanska ?a' varovalnica v Zedinjenih državah ln plačuje najliboralnejše podpore svoj*,D članom. Jednota je zastopana skoro v vsaki večji slovenski naselbini v AmeriKj' in kdor hoče postati njen član, naj se zglasi pri tajniku lokalnega društva ‘r pa naj piše na glavni urad. Novo društvo se lahko ustanovi z S člani beleč* plemena, neozlraje so na njih vero. politično pripadnost ali narodnost. Jedno1* sprejema tudi otroke v starosti od dneva rojstva do IG. leta in ostanejo lahko v mladinskem oddelku do 18. leta. Pristopnina za oba oddelka^ jo prosta. ^ Premoženje znaša nad $2,000,000.00. Solventnost Jednote znraša 112.4270* NAGRADE V GOTOVINI ZA NOVOPRIDOBLJENE ČLANE ODRASLEGA MLADINSKEGA ODDELKA DAJE J. S. K. JEDNOTA * GRADE V GOTOVINI. Za vsakega novopridobljenega člana mladinskega delka je predlagatelj deležen 50 centov nagrade. Za novopridobljene člane odraslega oddelka pa so t lagatelji deležni sledečih nagrad: za člana, ki se zavaruje za $ 250.00 smrtnine $1.25 cal za člana, ki se zavaruje za $.. 500.00 smrtnine $2.00 za člana, ki se zavaruje za $1,000.00 smrtnine $4.00 nag' za člana, ki se zavaruje za $1,500.00 smrtnine $5.00 nag1 za člana, ki se zavaruje za $2,000.00 smrtnine $6.00 nag1 za člana, ki se zavaruje za $3,000.00 smrtnine $8.00 na! Te nagrade so v veljavi za nove člane, pridobljene februarja 1937 naprej. Jednota jih izplača šele potem, novi član vplačal vsaj tri asesmente. narodnih in državnih agencij, ki se zanimajo za socijalno oskrbo. Urednik letnika za 1937 je bil Russell H. Kurtz. — FLIS. NAMIŠLJENI BOGOVI (Nadaljevanje s 1. strani) ga tekom svetovne vojne posta-j vile zavezniške armade, pred katerimi je junaško pobegnil na Holandsko. ■ Otoška republika Dominica ima predsednika-diktatorja, ki se imenuje Rafael Leonidas Trujilo, ki se tudi štuli v tako visoko tovaršijo, kakor se je j svoječasno nemški cesar Viljem. Pred njegovo krasno vilo je iz barvastih električnih žarnic sestavljen napis: “Bog in Truji-k,” Med sodobnimi mogočnjaki je menda ruski diktator Stalin edini, ki se ne mara štuliti med živeče bogove, dasi1 razpolaga z močjo, kakršno je imel še malokateri smrtnik. Nedavno se je resno razjezil, ko so ga začeli njegovi častilci čez mero poveličevati, in je potom radija ukazal časopisju, da ga ne sme imenovati drugače kot “tovariš Stalin.’ varja tem zahtevam, že obleka je v teh ozirih ^ [krat zelo bedasta, ženska neprimerno bolj. Modern3 ska obleka je le slaba oi proti vremenskim nepi'ij1 poleg tega pa včasi tud1 razkriva, kakor pokriva # Torej, zakaj so sc ljudr vadili nositi obleko, ki s mnogo denarja in ki je v P? j vročini prava pokora za1’ ka! ODMEVI IZ RODN1 KRAJEV (Nadaljevanje s 1. stra^ STAR OBRTNIK V Novski v Slavoniji zar Viktor Potočki, ki ie 104 leta. Doma je iz Hrva^ Zagorja. Očak je še čil i11 : in učakal bo gotovo še nek* zakaj njegov rod je trdoži'. gov stari oče je dosegel Hj to, oče pa 105. leto. Stai'eC‘ revščini. Prebiva v revni ► in skromno pohištvo v J1/ delo njegovih rok. PodP* društvo gospodinj in letni starec iz Krapine. " rec je edini od vajencev * močnikov, ki so delali ne delavnici Potočkega. ŠAKAL V SPOVED*1* Na dalmatinskem otok1-, čuli živijo šakali, ki so importirani baje že v 1* let ju. Neke nedavne ne imelo mesto Korčula zacijo. V neko ulico se le kel šakal in dva psa sta ff* la< Zver je zatekla v Nikole, ki je poleg sa^, dominikancev, šakal je v cerkev, ko je nekdo oiV ta, psa, ki nista mogla ^ ^ pa sta se postavila na ^ Eden je ostal pri glavni*1’^,) pa pri stranskih vratih- ^ sta na vso moč lajala P9fl’ j pa je tulil v cerkvi. Red<>v^ * prihiteli ter našli šakala spovednici. Ko je zver P1,^ do vrat, sta jo psa nasfc0 raztrgala. ' ■ : ■ j ii' ZAKAJ SE OBLAČIMO (Nadaljevanje s 1. strani) pije ubitih zverin, s čimer so hoteli pokazati svojo odličnost. O-kraski so se množili in iz vsega j je polagoma nastala neke vrste obleka. ^ Prvo oblačilo človeka je ob-!staja!o nedvomno iz živalskih kož. Po vsej priliki si je primitivni lovec najprej ogrnil s kako kožo pleča, kajti na plečih je nosil domov, kakršen je že bil ta dom, ubiti plen. Dokazano pa je, da so ljudje že v zelo davnih časih nosili obleko iz raznih pletenin. Obleka, kakršna je danes v modi, bi nas morala v prvi vrsti varovati pred mrazom, vročino in raznimi mrčesi, toda vsi vemo, da dostikrat le malo odgo- ]j( r J ■ ENGLISH SECTION OF ■ ▼ Olt»cial °r9*n ▼ o/ the South Slavonic Catholic Union. AMPLIFyiNG THE VOICE OF THE ENGLISH SPEAKING MEMBERS If Current Thought Tenpm Tournament Next Sunday, April 25th, SSCU bowler-members | 0rn. four states will assemble at the St. Clair-Eddy Al-6.ys in Cleveland to roll tenpins in the third annual na-"°fal open tournament sponsored by our South Slavonic Catholic Union. y Entries include lodge teams from states of New li ’ Pennsylvania, Ohio and Illinois. The last named yul be represented by the very active Ladies of SS'CU, ^iary unit of Lodge No. 66, of Joliet. This group s all have traveled the most miles, about 400 in round ^Umbers, in order to participate in the ever growing Popular tournament. . While the chief attraction next Sunday will be tenpins — team events, doubles and singles — many par-ucipants look forward to such gatherings as a means of becoming better acquainted with members from other states. Also, to exchange greetings, as many shall renew acquaintances. Management of the spacious twenty-four alleys looted at 12320 St. Clair Ave., has assured the SSCU ^at all will be in readiness to accomodate our hiembers. plenty of room is available for spectators at St. Clair-jtldy recreation parlors, and according to the out-of-town entries, a lot of extra room will be necessary as boosters are expected to accompany the teams. The SSCU tournaments, both tenpins and duckpins, cll‘e anything but quiet Sunday afternoon affairs. Excitement reigns supreme, for each body of representative fowlers has its supporters, and most of us are familiar I Jth the fact that support from the sidelines helps the bowlers to achieve higher scores. (j, A list of attractive cash prizes contributed by the i^CU will be awarded to those placing first and second 111 team events, doubles and singles. Medals and temporary possession of the tenpin plaque, also contributed our Union, will be awarded the first place winners. Additional cash prizes, obtained from the entry fees, go to teams, doubles and singles winners, placing in Jettons lower than first and second. Fifty cents of each uilar entry fee shall go for this purpose. According to le present estimate, about six teams should share in pditional cash prizes in the men’s divisions, and three in the women’s division. This is in addition to cash prizes 0r teams finishing first and second. v * * * >T On Saturday, April 24th, George Washington lodge y?- 180, of Cleveland, will observe its tenth anniversary fino a dance, which will be held at Twilight Ballroom, St. Clair Ave. Members of this lodge invite all • oCUers and their friends in the neighborhood, and t^'ticularly the out-of-towners who will be in town next Saturday to take part in the tenpin tournament. . Sunday evening, following the tournament, a din-3' Will be served at Bridge Tavern, 694 E. 152nd St., 3ere cash prizes and medals shall be awarded the jnners. All those who wish to have dinner are requestor to make reservations in advance to Nova Doba, 6233 Clair Ave. Cardinals Dance On April 24th Struthers, O.—Hear ye! Once more the Cardinals are going to do some hopping to the musical strains of the Bergant Sisters. Yeah-man! sweet music and sweet women. Don’t miss it or you will regret it. We hope to see our neighboring lodges present. How about it, folks? The time has come when Cardinals again will soon be on the field of battle swinging bats and throwing balls. It looks as if the boys soon will have to oosen up. Yours truly will have to drop twenty pounds of excess weight in order sto get in shape for the season. Our pool shark, Stan Pogačnik, has been keeping an eye on the ball all winter long. Now that the juvenile campaign is on, let’s all get behind it and enroll new members. Let’s send our candidate as de-egate to the convention. All Cardinal members must return unsold tickets to me on April 23d. See you all at the dance. Edward T. Glavic, Sec’y. Slovene Institution Authorized By FHA ci BRIEFS tad °}°rtl<^0 Federation of SSCU dav^A hold a meeting Sun-l\f -April 25, at Pueblo. Janko SSrnfe1^’ first supreme trustee, attp | Cleveland will be in nin, nce- On Saturday eve- *nd doApril 24> lod^es Nos- 15 at o ’ SSCU will hold a dance -^el lod£e hall on Northern | ^°urnament Dinner { I bowlers, members I l€n, }'iends who wish to at-| /tej. tournament Din-I 25 Undaij evening, April | ,.e’ a> e Requested to make H Nn? Vati»n* in advance to 1 Ave*ri°ba’ 6233 SL Clair S J, ’ €Veland, O. n * °urnament Dinner B o-n T at Bridge Tav- fi St. ’A °cated at 694 E. 152 | pej, C,lctr9e of fifty cents I the U^e m°de, and H knoJnana9em™t must I Prnv! m advance the ap- °r B 8erve lS exPe°ted to x Th I l of the C£mmitlee Ln charge B *»iu OUrnatnent Dinner S cUrinaTuly appreciateyse- E ffiatinn le nec€8sary inf°r-* U m advance. Ave. Proceeds of the dance shall go ifito the treasury of the recently formulated Federation. In visiting trustee Rogelj, the Colorado Federation will have a SSCU member who has been i unusually active in all of the Union’s Federations, including the Pennsylvania, Ohio and Minnesota. Center Ramblers, No. 221, SSCU of Center, Pa. will have the largest out-of-town representation of any lodge to the : third national SSCU tenpin 11 tournament which will take Ij place next Sunday, April 25, in ] Cleveland. This delegation is | expected to arrive in Cleveland I sometime Saturday. Ladies of II SSCU from Joliet, 111., repre-I i senting No. 66, SSCU shall have I traveled the most miles, about | 400 each way, in order to parti-] cipate. Frank Golob, SSCU member 1! of Pittsburgh, Pa. was the oldest individual to participate in the third national SSCU duckpin j tournament held on April 11th j in Pittsburgh. He is 63 years old 1 ----------------------- I Editor’s Note Continuation of “Blood and | Battlefield”, World War chroni j cle translated by Valentine Ore 1 hek, has been suspended in this issue, and will be resumed nex week, if space permits. From the Office of Supreme Secretary Exemption From Medical Examination The St. Clair Savings & Loan Company, 6235 St. Clair Ave., Cleveland, Ohio, has been approved as a qualified mortgagee under the National Housing Act, it was announced by Federal Housing Administrator Stewart McDonald. “In obtaining the standardized insured mortgage rated by the Administration’s risk-rating system for its borrowing members, this thrift and home loan association may assure the citizen who wishes to own a debt-free home that the financing comes within his means, that the lome is structurally sound, and hat it is located in a neighborhood free from adverse influences,” said Mr. McDonald. In entering the mutual mortgage insurance system of the ederal Housing Administration, this association is also securing added protection for its shareholders by providing a means of having its mortgage investments insured. The St. Clair Savings & Loan Company has served the thrifty and the home-owners of the Cleveland area since 1916 and has assets of $701,460.12. Paul J Schneller is its Secretary and Treasurer. The association is a member of the Federal Home Loan Bank System. In order to give our juvenile campaign an added incentive and to make easier the work of our agitators and candidates for juvenile convention; the supreme board decided to exempt from medical examination all those applicants for membership in the juvenile department who reside in states where the statutes do not specifically require such examination. Therefore, pursuant to this decision, medical examinations for children shall not be required in the following states: California, Colorado, Illinois, Indiana, Kansas, Maryland, Michigan, Missouri, Montana, Nebraska, New Mexico, Oregon, Pennsylvania, Utah, Washington, West Virginia, Wisconsin and Wyoming. Children must undergo a medical examination in the following states: Idaho, Minnesota, New York and Ohio. No child shall be accepted without a medical examination until the local secretaries have received new applications for membership, which will be forwarded in a couple of days. In all states where a medical examination is not required the children will have to be looked over by the lodge secretaries because otherwise the applications shall not be approved. ANTON ZBASNIK, Supreme Secretary Juvenile Campaign Lodge No. 25 Eveleth, Minn. — The next regular monthly meeting of Lodge No. 25, SSCU will be held on Sunday, April 25. A large turnout of members is anticipated at this meeting, where will come up for discussion the second juvenile convention campaign. Let us see if it isn’t possible for our lodge to send a juvenile delegate to the convention to be held at Ely. All you juvenile and adult members should be on hand to pick out candidates so that your choice will be the one to attend the convention. Also, we would like to see all the juvenile members present at this meeting. , Frank Urbiha, Sec’y Soudan, Minn. — Not so long ago on one of my few regular visits to Ely I chanced to run across Little Stan, just by accident, or was it through force of habit. But it was Stan sure enough standing just behind a brand new Austin, 1938 model, with a pick in one hand and a shovel in the other. It seemed to me as though he was in the act of loading the back seat with ice collected from the city streets. “What in the world are you up to Stan,” I asked. He looked up and said, “Why, hello Martin, do you know that our campaign for new members started April 1st?” “Yes, I do,” I answered. Well, Stan continued to shovel the ice from the street, explaining that he was making sure the city of Ely would be in shape for the second juvenile convention, after the campaign came to a close on June 30th. Stan, further told me of the wonderful plans in store for the juvenile delegates. The exact details are being withheld, but Stan promised to relate every item through the pages of Nova Doba every week. So, you juvenile candidates for delegate, get busy and secure your thirty new juvenile members and become delegates. Get the adult members of your lodge to assist you. Don’t wait until they are ready to help you out, but go to them tomorrow and present your story to them. Some of the arguments offered by prospective candidates for membership is to the effect that they already belong to one lodge, and they already are insured. To this I say, “what of it.” Certainly they can carry the additional protection offered by our SSCU. M. L. Stepan, Sec’y No. 5, SSCU SSCU Tenpin Tourney Starts 12:30 P. M. Sun., April 25 at St. Clair-Eddy Alleys Cleveland, O. — With some twenty teams expected to bowl in the third national SSCU bowling tournament next Sunday, besides doubles and singles, and with only six or seven hours of bowling available, it is imperative that all the participants strictly adhere to the following schedule. There can be no waiting for late comers, and those who fail to show up on time shall forfeit their entry. There is no alternative inasmuch as the schedule was worked principally to accommodate out-of-town bowlers who requested certain hours for bowling. Two rounds of doubles and singles, and one round of team events will comprise the tournament. Bowlers will roll doubles first, on three consecutive alleys, and then continue with singles on the next three consecutive alleys. In the men’s division the first round of doubles and singles will commence at 12:30 p. m. sharp, and the following bowlers must be on hand at the alleys: William Kosicek—Frank Jevitz .......... (Joliet) Peter Batchen—A1 Brumberg..............(Gowanda) Jos. Zelnik—Lloyd Phillips.............(Gowanda) Louis Rotar—Henry Zuzek............... (Gowanda) Louis Klancer—John Batchen ........... (Gowanda) George Kovitch—F. Sluga............. (Cleveland) Joseph Kogoy—John Arko...............(Cleveland) Joe Kramer—Frank Opalek............. (Cleveland) Walter Guzik—Al. Jelercic ......... (Cleveland) Mathew Molk—John Kardell............ (Cleveland) Joe Struna—Frank Oberstar........... (Cleveland) Tony Laurich—Mike Krall ............ (Cleveland) At 2:30 p. m. the team events in the men’s division will get under way. This means that all men’s teams entered in the SSCU tournament must be at the alleys at the designated time ready to bowl. There can be no waiting for any bowlers, if the tournament is to go through on schedule. Bowlers again are notified that the St. Clair-Eddy Alleys are located at 12320 St. Clair Ave. After the team events in the men’s division have been rolled, the remaining entries in the doubles and singles events in this division will wind up the tournament. In the ladies division, the doubles entry will begin at 1:00 p. m. and the following girls must be on hand ready to bowl: Helene Strauss—Frances Strauss (Gowanda) Frances Zelnik—Isabelle Rptar......... (Gowanda) Mary Zakaitys—Molly Klancer .......... (Gowanda) Helen Kozlica—Anne Munich ........... (Joliet) Betty Stucin—Minnie Kogoy .......... (Cleveland) Lucille Kosick—Lucille J. Jevitz....... (Joliet) Mary Perdan—Sylvia Jelercic (Cleveland) The ladies shall have alleys 19, 20, 21, 22, 23 and 24 to themselves in which to roll the three events. The men shall have 18 alleys, Nos. 1 to 18 inclusive, in which to roll their three events. With the Cardinals Interlodge Tennis Cleveland, O. — All SSCU lodges are invited to join the Interlodge Tennis League which will have its first meeting on Monday, April 26 ,at the S. N. Home on St. Clair Ave., old building. Meeting will begin at 8 p. m. Sam Richter, Chairman LUCK? I never saw a lucky loafer. I never met a lucky liar. I never know a lucky learner. I never heard of a lucky lamenter. Did you? On the level, luck, comes from labor, laughter and licking languor. —Atlantic Currents. * Yes, Where? “Did anyone ever tell you how wonderful you are?” “Don’t believe they ever did.” “Then, where’d you get the idea?” In Need of Sleeping Quarters A large number of out-of-town bowlers and boosters are expected in Cleveland next Saturday evening, April 24, where they shall stay overnight in order to participate in the third national SSCU tenpin tournament the following day. Sleeping quarters must be provided for the out-of-town guests and all those Clevelanders who have a spare room or two available are urgently requested to get in touch with Nova Doba office, 6233 St. Clair Ave., either by mail or in person. The out-of-towners arriving in Cleveland Saturday evening will assemble at the Twilight Ballroom, 6025 St. Clair Ave., where the George Washington lodge, No. 180, SSCU will observe its tenth anniversary With a dance. Struthers, O. — Cardinals break into print' again. This time With a delightful reminder of our April 24th dance, which will be held in the Croatian Hall on Lowellville Rd. Excellent music will be furnished by the Bergant Sisters orchestra of Lisbon, O. Joe Zlogar and Frank Maizel are co-chairmen of the dance. We wish to see some of the members from lodge 108, SSCU of Youngstown and other neighboring lodges attend our dance. Virginia Mikolich, our juvenile delegate in 1935, is trying hard to become a delegate to the second j uvenile convention. Let’s give her all the assistance at our disposal. Our next monthly meeting will be held on May 14, at the home of John Pogačnik. Rose Slabe No. 229, SSCU Lodge 5 Notice G. W.’s 10th Anniversary Dance April 24th To Feature Leo Nowak’s Music Soudan, Minn. — Members of St. Barbara lodge, No. 5, SSCU are notified of our next regular meeting which will take place on Sunday, April 25, at the usual quarters. The meeting will start at one p. m. and included in the business will be discussions on our lodge finances. Absentees to our previous meetings are particularly requested to be on hand. Hence, let us all be present at this assembly and voice our opinions on matters under discussion. M. L. Stepan, Sec’y No. 5. SSCU Cleveland, O. — Ten years as; an English-conducted branch of the SSCU will be fittingly observed by the George Washington lodge, No. 180, SSCU next Saturday, April 24th, at the Twilight Ballroom located at 6025 St. Clair Ave. Leo Nowak | and his orchestra has been engaged to furnish music for the lodge’s Tenth Anniversary dance. The G.W.’s will have out-of-town guests to help them celebrate their anniversary, for some of the bowler-members and boosters expect to be in Cleveland next Saturday and stay over to bowl the following day at the third national SSCU open tenpin tournament. Admission to the G. W.’s dance is thirty-five cents. Dancing will begin at 8 p. m. Members of George Washington lodge can look back with pride on the last ten years since its inception. In all activities expected of a lodge the G. W.’s came through with flying colors. In the field of sports, the Washingtons not 1 only have entered teams in 1 basketball, bowling and base-: ball—further they were honored I with championship teams in ‘ bowling, both in the local circles ' -ind as national SSCU champions during 1935 and 1936. In 1933 and 1934, still depression years, the active George Washington lodge sponsored pep rally meetings to which attended several hundred neighborhood friends and boosters. Only the steady driving hand of loyal and active members are primarily responsible for any group, and the George Washington lodge is no exception to the rule. This SSCU unit can point with pardonable pride on the many sacrifices made by some of its outstanding members in the past, the hard and conscientious application of efforts, refusing to accept “no” for an answer. Such is the calibre of fibre that goes into a suit of success. The past ten years have wit-j nessed some of the worst degression years in history. That the G. W. lodge was affected by the crisis is a matter of record. But it has withstood the pre-sure of time and the ever exacting demands made by the outsiders. The George Washington lodge looks forward to the years to come, confident in the belief that it shall continue to serve the community as a fraternal branch of the outstanding fra-i ternal organizaition in the United States, and that it shall continue to grow and expand. John Kardell, Pres. Let’s Hear From Momma Little Abie was puzzled by all the talk of prosperity and depression so he asked his father : to tell him the difference. I “Well,” said his father, “Pros-1 perity is wine, women and song. ■ Depression is home brew, mora-1 ma an$ the radio.” FIRST JUVENILE DELEGATE IS A VERY HAPPY BOY LETTER FROM ANTON PRIMC IS ENTHUSIASTIC By LITTLE STAN, Juvenile Convention Campaign Director Ely, Minn. — How does it feel to be the /irst official delegate to the Second Bienniel Juvenile Convention? Just ask Anton Prime, Jr., of lodge Ilirska yila, No. 173, Cleveland! A day after the campaign drive officially opened, young Prime had thirty new-member applications at the Home Office, and as a result was declared the first official delegate! w«;* Anton Prime, Jr. Congratulations poured in on Prime, and he found himself featured in the headlines of the campaign—into National SSCU prominence. Little Stan himself wrote Prime a letter of congrats, and when he received an answer just a few days later, he was as thrilled as young Prime. That answer indicated more than just the happiness to be the first delegate with a trip to Ely scheduled for next August —:it also showed that Prime realized that the biggest part of his happiness came when he had completed his first quota, ‘n&w- Because he has fulfilled his quota and is now eligible, will he sit back and watch the others? No! Just listen to what he says in his letter from which Little Stan will print a few excerpts. “Dear St^n: “First of all I send you my best regards and I’m telling you how glad I was when I received your encouraging letter. “I’m telling you I surely was surprised when I received a telegram from Mr. Zbasnik, our Supreme Secretary, sending congratulations that I am the first delegate for the next convention. I never expected to be the one! “Anyway, YOU BET I’M GLAD AND HAPPY THAT I AM GOING TO ELY and hope that you and I will have a good time together! (Stan: No question about that!) “You asked me to whisper to you how I got my new members. In getting them I do not know if I was just lucky or what, but I SURELY WENT AFTER THEM AND COAXED THEM TO JOIN!—by telling them how good the SSCU was, and all the good it does for them, and how nice it is to belong to our branch, Ilirska Vila. “YOU BET I AM PLANNING FOR THE TRIP AND BELIEVE ME I AM STILL WORKING FOR MORE NEW MEMBERS FOR I WANT MY PAL TO COME ALONG WITH ME AND I AM HELPING HIM NOW! I think it is just too bad that our seven-piece orchestra cannot come along too, as I play the saxophone. My pal is the drummer, and all the rest of the boys belong to this Union, only some belong to other branches. “But believe me, I’m surely proud that I am a member of lodge Ilirska Vila. “Good-bye until we meet each other, and good luck to all the rest of the juveniles who are trying their best. Your friend, Anthony Prime, Jr.” Little Stan answered Prime’s letter immediately. A seven-piece orchestra composed of SSCU members in Cleveland, gave birth to some sparkling ideas! What a hit such an orchestra would make at the convention! And they all could come if they qualified as delegates to the Convention by enrolling 30 new members! The campaign is only three weeks old, and a lot can be accomplished by June 30, the closing date of the campaign! Just an idea, fellers, let’s see what can be done about it. Meanwhile, official word was received at the home office that the next candidate for delegate from Lodge Ilirska Vila, No. 173 is Albert Poklar. Judging from the spirit of the members, Poklar will not be the last delegate from the lodge. Little Stan still has high hopes that the entire 7-piece orchestra will be able to come. By the way, Anthony Prime’s picture in the juvenile section last week was just dandy. Little Stan is quite sure that Prime will have no trouble at all getting acquainted with Ely’s coeds. Heh, Heh! The Magic Carpet Rides J ust itching to get^away from an uncomfortable stall, the Magic Carpet whirrs slowly towards Little Stan, urging him to take it out for another flight throughout the nation! Here in Ely, a real April rain is soaking everything, and heavy clouds hide any trace of an April Sunday. Little Stan wonders if it would be safe to take the Magic Carpet out. It doesn’t take much persuasion to change Little Stan's mind as he loves to make these trips. Gleefully the Magic Carpet whirrs, as Little Stan is about to begin another thrilling journey. First of all Little Stan jots down a few notes. He must pick up Sophie Kapelj, who wants to ride the carpet with him. He scans the Nova Doba, and jots down other names. All set, he hoards the impatient machine, and away. Higher and higher into the air, almost out of sight. Above the clouds, the carpet sweeps above a peaceful world. Speed records don’t mean a thing, as it just floats, swiftly, serenely, peacefully. Alone for the time, Little Stan thinks about the 1937 juvenile convention. Questions pop into his mind. Will everyone try hard to become a delegate . . . not only try, but will they? Gee, they are going to have a marvelous time. Why can’t everybody come. A break in the clouds chases these thoughts as Little Stan catches sight of Cleveland’s famous Terminal Tower. Using it as a focal point he heads towards the home of Sophie Kapelj! Slowly alighting, he gets-off the carpet, and quietly steps into her home! There she is, seated in a nice cozy chair, evidently planning that memorable trip! Johnnie, her brother has his head cupped in his hands, also dreaming! They stare for a minute, and are dumbfounded to see Little Stan. Recovering from their surprise, they glteefully board the Carpet, and prepare to whisk away their thoughts above the clouds. Beginning in earnest, another trip with the Magic Carpet! While still in Cleveland, the Magic Carpet insists that the entire group stop at Rudolfs. There’s Joey and Lillian, both working to become delegates. They also want to come on the Magic Carpet excursion, but Little Stan thinks that it would be Report From Second Bienniel Juvenile Convention Campaign Director too much of a load for the Carpet. He looks at it as a pleasant whirr indicates that the carpet is willing, so Joey and Lillian hop on! Pennsylvania bound! Over Lake Erie and into Strabane where we again visit Zorka Thomas. She and Veronica Bar-bish serve delicious refreshments, and ask us to stay for the picnic, but we must refuse, because the night is flying, and we have many more visits to complete before the Journey’s End. We go to Export, where Helen Previc doesn’t feel that there are enough residents to enroll in order that she may become a delegate. The entire crew on the Magic Carpet cheers her up. They tell her to try to enroll those in other lodges in the SSCU, too. After all, a good selling point in that case may be that “two organizations provide that much more protection for a member.” Try it Helen. We wish those ill a speedy recovery. Cheer them up, and away to find Dorothy Skerly. President of the Juvenile club, Dorothy was a delegate two years ago. Now she finds that the 18-year-old age limti will prevent her from being here. Everyone liked Dorothy, and we wish that she could accompany us. We look forward to another visit from Dorothy. And no kidding, Little Stan liked Dorothy, too! While still in Pennsylvania, we stop at Lebanon to see Frank Meze, 1937 candidate for delegate, and his sister Josephine. We want a Meze represented this year, don’t we fellows and gals! “You bet!” they chime almost in rhyme ... We circle back to Ohio. We know that we missed a large number of Pennsy people, but we must visit them on the next trip. In Euclid, Ohio, our next stop, we find Dorothy Gruden of lodge 132, a delegate in 1935, trying hard again! John Tanko, son of the secretary of lodge 132, Euclid, is also trying. We’d like to see Euclid well represented ! We can’t pass up Victoria Kumse. Why she and Smudgie who licked all the ink off of Little Stan’s picture, are great pals! We just know that Vickie will be here again. We nearly forgot someone in Euclid, we’ve got to go back to say Hello to Jenny Pretnar. The haunted house was for rent, but the girls weren’t afraid, oh no! Heh, Heh! It’s getting late and the Magic Carpet must storm its way back to Ely. Goodbyes are said to the Rudolfs and the Kapeljs, as the Magic Carpet drops them off at their homes, and Little Stan rides on alone! He stops at Ely before turning in—ah!, one minute, he had forgotten one major call! What time is it? Enough? Yes, this is one time when the Magic Carpet must break speed records! To Oaksville, New York, where young nine-year old Anton Cankar, who is a very good little boy. He does chores like milking the cows, bringing in wood and in his spare time enjoys playing with his dog and cat. Nice fellow, Little Stan thinks, as his Carpet skims back to Ely. Little Stan seems absent-minded! Forgetting! Tsk, Tsk! Wonder why he took all those notes before the ride of the Magic Carpet? They didn’t do him much good! Anyway, he laughs with Florence Prosen! But her sister will have the last laugh because Little Stan will drop her a line also! Then we can all laugh together. Heh, Heh, Heh! At Ely, the entire gang seems like one big happy family. There is Justine Korent who is working hard to become a delegate. FIRST DELEGATE ANTHONY PRIMC JR., LODGE 173, CLEVELAND, OHIO CANDIDATES MINNESOTA Lodge No. Ely—Fred Tomsich ........_.................. 1 'Albert Pechaver ..................... 2 Amelia Korošec......._.................120 Bobby Champa ...................... 184 Justine Korent ........................200 Chisholm—Louis Ambrozich .................... 30 Hibbing—Caroline Kern ....................... 54 PENNSYLVANIA Turtle Creek—Isabel Erzen.................... 33 Export—Thomas Kuznik ........................ 57 Lebanon—Frank Meze.........:.................159 Claridge—Mary Supancich ..................... 40 Braddock—Frank Regina........................ 31 Broughton—John Cveton ...................... 31 OHIO Cleveland—Lillian Rudolf .................... 37 Joseph Rudolf.......................... 37 Edward Zalar .......................... 37 * Frances Joan Kolar.........................180 Albert Poklar .........................173 John Kapelj............................ 71 Sophie Kapelj ......................... 71 Euclid—John Tanko ...........................132 Dorothy Gruden.........................132 Lorain—Victoria Kumse......................... 6 ILLINOIS Waukegan—Frank Novak ........................ 94 Joliet—Marie Rus ............................ 66 Frances Musich......................... 66 INDIANA Indianapolis—Louis Žnidaršič ................166 COLORADO Denver—Helen Okoren ........................ 21. Josephine Mauser....................... 21 AND MORE COMING INTO THE HOME OFFICE DAILY! The Campaign is only 21 days old! Early start is urged by everyone! Let’s go to town with Little Stan, your Campaign Director! Stanley Pechaver State of Minnesota, Department of Commerce, Insurance Division (Continund from paqo 3) Cash in Bank — $2,008.11 The cash in bank, checking account, was verified in the usual manner, also substantiated by obtaining the customary certificate of credit from the depository. Assessments Due and in Possession of Local Lodges — $18.80 As of June 30,1936, the amount actually collected by the local lodges and not yet remitted to the Society amounted to $18.80. This amount consists of current assessments which were verified from the records, and are allowed as a nonledger asset. LIABILITIES Reserve for: Accumulated Credits ...........$15,624.00 Death Benefit Certificates ......8,788.50 The certificates issued to juvenile members are all term to age 18, and the reserve is based on the Standard Industrial Table with 4%' interest. The reserve for “Accumulated Credits” and “Benefit Certificates” was estimated as of June 30, 1936, using as a basis the valuation made by the Society’s consulting actuary on previous dates. This method of arriving at the reserve is considered sufficiently accurate for the purpose of this examination inasmuch as there is no question as to the solvency of this class of certificates. For the item of Accumulated Credits, the reserve amounts to $15,624.00, and for the Death Benefit Certificates the reserve amounts to $8,788.50, which tw° items are included under liabilities. ' Reserve Credits due Members .......$80.88 Advance Assessments ................ 2.50 The two foregoing liability items are self-explanatory. Surplus — $110,352.51 ’As will be noted from the financial statement herewith submitted, the excess of admitted assets over all liabilities amounts to $110,352.51. GENERAL COMMENTS The last quadrennial convention of the Society was held at Cleveland, 0!>>° in September, 1936. No special changes were made in the Articles of Incorporation or By-laws at this meeting. Section 3 of the By-laws was amended to confine the activities of the Society to the United States of America. A provision was adopted whereby a member, after being placed on extended insurance, cannot apply for a cash surrender of his certificate, and also cannot revive his certificate if he is over 55 years of age. Corporate Records The minutes of all meetings of the Conventions and Supreme Board are recorded in Slovene. However, they were translated for your examiner and they appeared to be well kept. I was informed that hereafter the minutes will be recorded in English. Books and Records All books of record and accounts were found neatly and accurately kept* Suggestion, however, is made for keeping a control account in the ledger f°c bond investments. Financial Position As will be noted from the foregoing financial statements, both the Adt)'1 and the Juvenile Departments are in a very favorable condition, showing a combined surplus of $443,016.85. The affairs of the Society are well managed and economically conducted. Your examiner greatly appreciates the assistance and cooperation receive« from the Supreme Secretary and Treasurer, also the entire siaff, during the course of the examination. Respectfully submitted, J. O. MELIN, Special Examiner Lot] Off, Exp Leg: Oth fur; Tax All Pire Kati Gov Sur« Trai toisc Athi Bon lute Gr<* Gro Official Duckpin Tourney Scores Pittsburgh, Pa. — The following are the official scores of the Third National SSCU Duck-pin tournament. In order not to take up too much space in the paper, I am giving only the five highest scores in the singles, doubles and all events. MEN’S TEAMS Lodge No. 26 St. Stephen ........... 2346 221 Center Ramblers ....... 2287 221 Center Ramblers ....... 2281 196 Pittsburghers ......... 2127 228 Electrons ............. 2031 221 Center Ramblers ....... 1974 221 Center Ramblers ....... 1893 26 St. Stephen ........... 1880 205 Jeff. Collegians ...... 1800 40 St. Michael ........... 1753 26 St. Stephen ........... 1735 221 Center Ramblers ....... 1691 12 St. Joseph ............ 1679 196 Pittsburghers ......... 1658 She is in Little Stan’s circulation department, and is one of the best on his staff! Little Stan’s brother A1 is also scratching his head for new member prospects. Then, you have Freddy Tomsich, Bobby Champa, Amelia Korošec, and Florence Dorothy Startz. They all are bound and determined to become delegates! Aren’t you! By the way, how did you juveniles like the first introduction of the series, “Writing With Little Stan and ? ?” Who will be the first to submit an article directly to Little Stan for next month’s issue?? Everyone will' be treated differently, depending on the subject they write about. So don’t be bashful! Now the Magic Carpet seems tired and drowsily it makes its way to the hangar at The Ely Shopper—where the 100 per circulation will give it enough pep for another ride in the very near future! Meantime, be on the lookout for that letter from Stan! Each one is personal. No, they aren’t mimeographed, they’re actually written on Little Stan’s typewritter! AND DON’T FAIL TO ENROLL THOSE THIRTY MEMBERS. LITTLE STAN WANTS EVERY JUVENILE TO BECOME A DELEGATE! 180 Geo. Washington ...... 1644 26 St. Stephen ......... 1587 40 St. Michael .......... 1554 40 St. Michael .......... 1530 40 St. Michael .......... 1522 221 Center Ramblers ..... 1520 221 Center Ramblers ..... 1511 LADIES’ TEAMS 221 Centem Ramblers 1582 26 St. Stephen .......... 1533 182 Ladies Lodge ........ 1496 221 Center Ramblers ..... 1412 221 Center Ramblers ..... 1227 26 St. Stephen .......... 1130 MEN’S DOUBLES 196 John Coghe and Fred Eulert, Pittsburghers.. 982 221 Tony Ekerl and Jos. Yearm, Cen. Ramblers 959 221 John Oberch and Robt. Yearm, Cen. Ramblers 954 196 Dick Berdik and Dr. J. J. Boltey, Pittsbur’ers 949 196 W. Antloger and L. Kompare, Pittsbur’ers 888 LADIES’ DOUBLES 221 Jennie and Frances Mozina, Cen. Ram’ers 733 26 Eleanor Tomec and Ame. Flore, St. Steph. 707 182 Steph. Eulert and M. Golobic, Ladies Lodge 786 221 Ber. Knafelc and Fran. Oberch, Cen. Ramblers 661 221 Jos. Oberch and Catherine Sobor, C. Ramb. 582 MEN’S SINGLES 196 Dick Berdik............. 533 221 John Oberch ............. 517 26 John Celan ............. 515 196 Wm. Antloger............ 504 205 Anthony Lombardi .... 492 LADIES’ SINGLES 221 Jennie Mozina........... 383 182 Stephania Eulert........ 370 182 Mary Golobic............ 335 26 Elearnor Tomec ...'..... 329 221 Catherine Sobor......... 306 -b-liaAmephary-en.... MEN’S ALL EVENTS 221 John Oberch1............ 1553 26 John Celan ............ 1514 196 Dr. J. J. Boltey 1510 221 Tony Skerl.............. 1499 196 John Coghe............. 1411 LADIES’ ALL EVENTS 221 Jennie Mozina........... 1168 182 Stephania Eulert....... 1095 26 Eleanor Tomec.......... 1076 182 Mary Golobic ........... 944 221 Antoinette Pintar........ 917 I want to take this opportunity to thank all who in any way helped to make this tournament the grand success it was. Respectfully submitted by L. P. Boberg, Tournament Chairman ANNUAL STATEMENT For the Year Ended December 31, 1936, of the Condi' tions and Affairs of the South Slavonic Catholic Union of America Home Office S. S. C. U. Building, Ely, Minnesota. Organized under the Laws of the State of Minnesota, made to the Commission^ of Insurance of Illinois pursuant lo the Laws thereof. I—Balance From Previous Year ...................................... $2,004,177.13 ' II—INCOME i Membership fees acutafly received ...................................... Ndnfl 1 Assessments or premiums during first 12 months of membership of which all or an extra percentage is used for expense................ 12,267.2“ ; All other assessments or premiums ...........................:......... 327.819-19 Dues and per capita tax ......................................'.............. NoBe Medical examiners’ fees actually received ................................. N°ne Other payments by members, viz: ............................................. None Total received from members ............................................ 340,086$ Deduct payments returned to applicants and members ........................ 15.8* ; Net amount received from members....................................... 340,010-^ (A) Consideration for supplementary contracts not involving , 1 $............and involving $..............life cpntingencies 27,814’ Gross interest on mortgage loans less $................accrued interest | on mortgages acquired during the year................................... No*1 Gross interest on collateral loans per Schedule C ........................... No” Gross interest on bonds $88,827.88 and dividends on stocks, $(None) less $1,903.99 accrued interest on bonds acquired during the year, - i per Schedule D .............:......................................... 86,923^ Gross interest on deposits in trust companies and banks, per - Schedule N .............................................................. 87 ^ Gross interest from Loans on certificates................................ 7/702.» 3^ Gross income from society’s property, including $.................. for society’s occupancy of its own buildings (less $............inter- g 1 ™ est on incumbrances), per Schedule A........:............................ No® Sale of lodge supplies....................................................... 1^- Prom all other sources, viz: . Ads and Subscriptions *............................................ 458-1 Protest fees on non-sufficient fund check from lodge..................... 2. Transfer from Juvenile department expense fund........................... 350- ■ ^ Pine paid by lodge........................................................ 5 . ^ Borrowed money gross $...............less amount repaid$............................ ^ Gross profit on sale or maturity of ledger assets, viz: (a) Real Estate ................................................... (b) Bonds per Schedule D...................'....................... (c) Stocks per Schedule D................................................ N° Q] Gross increase, by adjustment, in book value of ledger assets, viz: . (a) Real Estate ................................................... No (b) Bonds per Schedule D (including $.................. for accrual e of discount) ................................. ;........................ ^ (c) Stocks per Schedule D ............................................... Total Income ...................................................... 463,50^ Amount carried forward ................................................$2,467,67j^ Amounts brought forward ..............................................$2,467,6™' III—DISBURSEMENTS , (A) Death claims ...................................................... 147,872-^ ::(.t (A) Disability claims .................................................... 8’ $ Sick and accident claims................................................ 109,062• (A) Old age benefits................................................... Cash Surrenders .......................................................... 2,49 Adjustment of loans on extended insurance certificates..................... 2^31^ Total benefits paid ................................................... 270,l6^ Reserve Credits—Juvenile Department ........................................ ^ ] Paid for claims on Supplementary Contracts not involving $............. and involving $.........life contingencies............................... ** j Commissions and fees to agents, deputies and organizers: First Year Assessments or Premiums $................ Renewal Assessments or . 50 Premiums $............................................................. L69 Compensation of managers and agents not paid by commission for -j services in obtaining new insurance ......................................... ^ Salaries of deputies and organizers.......................................... ^ Salaries of managers or agents not deputies or organizers.................... " vj Salaries and all other compensation of officers’ trustees and committees .......................................................... 10.55 0o Salaries of office employees, No. 7...........:............................... a6^ Medical Examiners’ fees $..............Inspection of Risks $........... 2,0°'^4 Traveling and other expenses of officers, trustees and committees .... Insurance Department of Minnesota. Examination .............................. g(Je For collection and remittance of assessments and dues.......................... qO Insurance Department fees .................................................... nR0 Actuary .................................................................... 3 Rent including $............for society’s occupancy.of its own building i General office maintenance and expense .................................... *’70^ Advertising, printing and stationery .................................... 5 rQl0 Postage, express, telegraph and telephone.............................. (Continued on past 7) % ft J Iticr DeC; 1 'an 1 t*>k I a«h <*«h si c ■k I Nils % K J x b; % ANNUAL STATEMENT flywi. (Continued from page 6) K*SUPPlieS .......................................................................... 1.57 E*Pens Inf‘bUcalion ........................................................... 7,421.30 Legal ev Supreme Lodge meeting.................................................. 21,270.84 Other i Pe,nse in litigating claims ......... None K8al expenses ..................................................................... 346.50 Taxes r iU1Cl rixtures .......................................................... 2,659.40 ^'1 other*1 r*rS anc* °ther expenses on real estate 312.95 Awarrt bUrSements (sPecify purpose): Fire in ........................................................................... 74.0° kuor^Upance Premiums '................................\ 285.50 Gov’t Si ,t'a*'ernal Congress Dues 152/50 I Surety R ar£e ancj postage on checks 108.25 Transfer fnd Premiums ..................;........................................ 1,207.50 tMisceliu^ r°m J.uvenile to Adult Expense Fund..................................... 350.00 UthlelS se0US ................................................................... 404.76 B°rroWecl "Z.................................................................. 1-960 21 foweri f10ucy repaid gross $ less amount bor- [interest n u None 0^ i0s 11 ljt)rrowed money . None ■ (a> d °U sa*e or maturity of ledger assets, viz: ((,) r.ea* Estate ............................................................... None (c) per Schedule D ......................................................... None |6toss dec°ClCS per Schedule D....................................................... None rease, by adjustment, in book vale of ledger assets, viz: ,b) *eal Estate ................................................................. None tj0n nfUcls Per Schedule D (including $................ for amortiza- iC) 4 Premiums) ..........;................................................. 23,144.43 tocks per Schedule D ........................................................ None |8a:al!'eaihDisburscn>ents .................................................... 359,951.51 increase h °re transfers ................................................... 2,107,727.75 “y transfers ............................................................ 3,334.88 ■{See -------------- iDecrea^r.................................................................... 2,111,062.63 by transfers ............................................................ 3,334.88 loanee -------------- I ......................................................................... 2,107,727.75 IV vaiu *V LEDGER ASSETS I Pero? °f rieal Estate (less $150.00 incumbrances), •ffHlltct Ule A ...........................................$ 22,530.77 It s 0n Real Estate’ Per Schedule B, first l^ans s ’ ® ■ .......; other than first liens, $................. None It 'aterBi^6'^ by Pledge of Bonds, Stocks or other col- ;oa 1>er Schedule C ......................................... None I ^ vainS 01 °^er credits on certificates of members 140,881.15 I per °f Bonds, $1,904,483.95; Stocks, $(None), 13 ln ^“edule D ........................................... 1,904,483.95 Fash hi tiety’s office.........................$ 200.00 I Bank nsit to the Northern National i^Positj Duluth, Minnesota ..................... 17,128.89 Ih. 011 inJn trust companies and banks not i^Nts est’ per Schedule N ...................... 17,415.06 lhter 1(1 trust companies and banks on I est. Per Schedule N............................. 5,087.93 39,831.88 rVi. ----------- Vable, $ Organizers’ balances, $........................... None ^°tal Ledger Assets, as per “Balance," column 6, page 3 $2,107,7?'’ ^5 rarest NON-LEDGER ASSETS ft on ^........ and accrued, $ f ler t v °f bonds over book value, per Schedule D None ^W*'ue of stocks over book value, per schedule D None An %• actually collected by subordinate Lodges not yet turned 0 Supreme Lodge ......................................................... 1,501.56 AdAAssets (give items and amounts): \ Il(i Subscriptions ...................................$ 231.88 e Supplies and Fixtures . 10,500.00 10,731.88 I k Gr°ss Assets..................................... .. $2,150,225.13 SjjJSeg DEDUCT ASSETS NOT ADMITTED tk ifc.- from organizers not secured by bonds None Viable .......................................................... None SUsPended banks, less $700.00 estimated v3 recoverable ........................................ 5,000.00 e of Real Estate over market vale, per vaiUe A ....................v................................ None Lkt o of bonds over amortized or investment value, V V&lUe D ' 27,780.30 (j of stocks over market value, per schedule D None U ^a.su, Ue and accrued on .mortgage loans (state : : loans ........................................................ None Oi, !'cllvj.i or other credits in excess of net value of 6f as.wal certificates ........................................ None An^ays . s not admitted, viz: Assessments over 60 C ana.'Jf. 663.66 6 ®Un i Pti°ns ............................................ 231.88 pPlies and Fixtures .................................. 10,500.00 44,175.84 L > Admitted Assets.................................A..................... $2,106,040.22 bij's "-^ABILITIES, RESERVES AND UNASSIGNED FUNDS % Uty ............................................................ $ 12.ooo.oo JlN ana 4 7’222'41 , “Q Accident ................................................................ 23,040.50 ................. / None 'atieg^tal Claims ............................................... $ 42,262.91 fav°r acp,!.etlts, expenses, commissions, etc., due ! $ 1.665.97 Ofyefl accrued . None 1 'i,.'" 8ah,„ney' $........ in erest due or accrued i None 1(e^sments or premiums ................................. 36.25 1 SwahlUt}es, viz.: • V C,le.ntary Contracts ... ’ 27,814.35 ’ Ult j-. lts due members who transferred to the ) epartment........................................... 146.66 29,663.23 ^ Tota) ---------------------------- vo (St) “nPaid claims and other current liabilities $ 71,926.14 j C y basis of computation): ................... 1,582,088.75 ^ i l ^—■ 4 kUncrrVe!i............................................................ $1,582,088.71: 1 °ntingency Reserves: ........................... 155,873.35 >1 t. ' 155,873.35 5 p -------------- 6 Uuds .............. 2D6,161.05 Tq^j , 0 Balance With Admitted Assets............................... $2,106,049.29 VII—EXHIBITS OF CERTIFICATES I) Business in Total Business in the Year---------Illinois During Year 5 3l t certifi I—Number—Amount—'—Number—Amount—j e Previ,^ates in foi'ce December e tK.11 certif year 20,298 $12,144,712.00 1,634 $ 925,026.03 C>r lcates written during 0 tju't certin U™ 613,550.00 108 54,750.00 0 Vfuear eates revived during 5 !'-r certifj,. 92 55,200.00 5 4,000.00 4 SfuUring th 6S received by trans- 3 tK certifi„6iyear ■ • None None * he Vear Cates ^creased during 0 906,675.00 97,981.00 ^ I Totals ------- -------------- ----------------------- e Kh term,«' . 21,566 $13,720,137.00 1,777 $ 1.081.757.00 3 ^f«rredm‘^ted, decreased or 6 “ring the year . 1,218 674.999.00 120 64,327.00 ^mbe^t certificates in Stu certifi„ . 1 of current year 20,348 $13,045,138.00 1,657 $ 1,017,430.00 I ^Ported i6S terminated by urmg the year 166 126,029.00 16 12,785.00 k Benefit certificates terminated by lapse reported during the year 534 284,050.00 49 23,950.00 Benefit certificates transferred reported during the year......................................... 8 5,500.00 Benefit certificates terminated by Cash Surrender, Expiry, Maturity and Transfer to adult reported during the year .......................... 518 253,699.00 47 21,686.00 Benefit certificates decreased during the year ............................ 10,321.00 426.00 Received during the year from members in Illinois: Mortuary $13,098.74; Reserve $(None); Disability, $1,087.75; Sick and Accident, $7,898.60; Expense, $3,740.98; Total, $25,826.07. VIII—EXHIBIT OF DEATH CLAIMS Total Claims Illinois Claims |—Number—Amount—|—Number—Amount— J Claims unpaid December 31 of ' previous year ......................... 97 $ 31,737.31 7 $ 1,871.78 Interest ........................................... 75.06 i.06l Claims reported during the year 166 125,752.00 16 12,210.00 Claim reported scaled down in 1935—paid in full in 1936 ..................... ) 333.34 Totals 263 . 157,897.71 23 14,032.84 Claims paid during the year.......... 249 147,872.71 21 13,057.84 Balance ................... 14 10,025.00 2 1,025.00 Saved by compromising or scaling down claims during the year None None Claims rejected during the year . 1 2V00 l 25.00 Claims unpaid December 31 of current year .............................. 13 $ 10,000.00 1 $ 1,000.00 IX—EXHIBIT OF. DISABILITY CLAIMS Total Claims Illinois Claims |—Number—Amount—|—Number—Amount—j Claims unpaid December 31 of previous year, as per line 31 last statement estimated ...........^........., 101 $ 5,132.59 4 $ 223.32 Increase in estimated liability during year .............................. 271.10 30.33 Claims reported during the year 88 10,248.39 8 895.20 Totals ........................ 189 15,652.08 12 1,153.85 Claims paid during the year.......... 104 8,417.67 6 521.17 Balance 85 7,234.41 6 632.68 i Saved by compromising or scaling down claims during the year None None Claims rejected during the year ....... 1 12.00 None None Claims unpaid December 31 of current year ..................... 84 $ 7.222 41 6 $ 632.68 X—EXHIBIT OF SICK AND ACCIDENT CLAIMS Total Claims Illinois Claims |—Number—Amount—|—Number—Amount—j Claims unpaid December 31 of previous year, as per line 38 last statement, estimated liability ............. 377 $ 17,059.45 23 $ 1,252.00 Increase in such estimated liability during the year .............................. 12,907.08 1,333.62 Claims reported during the year ... 1,886 103,823.62 123 7,749.66 Totals....................... 2,233 133,790.15 148 10,335.23 Claims paid during the year 1,817 109,062.65 123'-'s 8,653.23 Claims rejected during the year 24 1,687.00 None ■ I. # • ' Claims unpaid December 31 of current year, estimated liability ..... 422 $ 23,040.50 23 $ 1,632.00 XI—EXHIBIT OF OLD AGE AND OTHER CLAIMS Total Claims—None. Illinois Claims—None. ** ■ STATE OF MINNESOTA) ■> COUNTY OF ST. LOUIS ( SS: . PAUL BARTEL, President, ANTON ŽBASNIK, Secretary, LOUIS CHAMPA, Treasurer of the SOUTH SLAVONIC CATHOLIC UNION OF AMERICA, being duly sworn, each for himself deposes and says, that tliey are tyie. above described officers of said Society, and that on the thirty-first drfy 6f December last, all the above described assets were the absolute property of the said Society, free and clear from any liens or claims thereon; except as above stated, and that the foregoing statement, with' the schedules and explanations herein contained, annexed or referred to, are a lull and cqrrect exhibit of all the assets, liabilities, income and disbursements, and of the condition and affairs of the said Society, on the said thirty-first day of December last, and for the year ended on that day, ccording to the best of their information, knowledge and belief, respectively. T PAUL BARTEL, President. ANTON ZBASNIK, Secretary. LOUIS CHAMPA, Treasurer. Subscribed and sworn to before ms this 25 day of February, 1937. JOSEPH L. MANTEL Notary Public 1933 - PENNSYLVANIA Fraternal Benefit Societies — Valuation Report (Including death benefit certificates of juvenile branch) Made by South Slavonic Catholic Union of America as of December 31, 1936, to the Insurance Department of the Commonwealth of Pennsylvania, pursuant to the requirements of law. IMPORTANT BEFORE FILLING OUT THIS REPORT NOTE CAREFULLY THE FOLLOWING INSTRUCTIONS: This report must be filed on or before the thirty-first day of May, 1937. Each item in the blank should be carefully filled out, in accordance with the information required. The Valuation Exhibit must give in ssparate items for each form of certificate the present mid-year value of future net contributions as contingent assets, and the present mid-year value of promised benefits as .contingent liabilities, or in lieu thereof the mid-year net value of such certificates. Societies which use the mean of terminal reserves in valuing their certificates must include as advance assessments in item 11, page 5, of annual statement, the pro rata unearned portions of all assessments covering insurance protection beyond December 31 of the eurrent year. All death losses of whatever nature must be included in accrued liabilities in the Valuation Exhibit. The present value of future extra assessments should be included as a part of the contingent assets only in the event that the society has by its authorized governing board or body actually provided for the specific levy of a fixed number or amount of extra or additional future assessments. If the laws of the society provide for segregation of the funds between the various classes of members, separate Valuation Exhibits should be made for each class in addition to a combined Valuation Exhibit, so as to define more definitelj v,he status of the members in each class. It is not necessary to make complete separate Valuation Reports. The combined Report should of course be complete. Loans and interest thereon which are secured by tabular reserves or accumulations actually maintained on the corresponding individual certificates should D? treated as a part of the assets. Liens and interest thereon not in excess of the difference between the pres->nt value of the promised benefits and the present value of the future net con-ributions on the corresponding individual certificates, should be treated in the Valuation Exhibit as a deduction from the contingent liabilities. This is on the assumption that the liens provided for the payment of interest annually or for compound interest at a rate at least as high as that assumed in the valuation of the certificate liabilities. In the case of liens which do not bear interest or which bear interest at a rate less than that assumed in the valuation of the certificate liabilities, they should not be entered at their full face amounts but should be entered only in the amounts of their actual equivalents, i. e., the single premiums at current attained ages which would provide for insurance equal in amount to the liens and interest thereon where such single premiums are calculated on the ame mortality and interest assumptions as used in the valuation of the certificate liabilities. In lieu of following the plan outlined above, a society may show the reserve liability for an amount of insurance equal to the face amount, less the insurance purchased by the accumulated lien as a single premium at the current attained age. In this connection the rate of interest provided for in the liens must be taker into consideration. E. g.: If the lien does not bear interest, the reserve liability may be calculated on the net amount of insurance after deducting the amount of the lien. The Valuation Exhibit is made up on the bases of excluding the expense, sick and accident (when the benefits are not valued) and special funds (i. c., funds other than general or expense funds not available for the payment of benefits) from the Asset side and excluding the liabilities of such funds from the Liability side, except that the excess of the matured liabilities of such funds over the balances in them, if any, should be included as a part of the liabilities of the mortuary or benefit funds for valuation purposes only. If the sick and accident benefits are valued, both the assets and liabilities of the sick and accident fund should be included in the Valuation Exhibit. Borrowed money should be excluded from both the assets and the liabilities. The ratio per cent, of assets (actual and contingent) to liabilities (actual and contingent) should be shown for December 31, 1917, which is the first basic date for comparison referred to in the valuation sections of both the Mobile and New York Conference bills. The percentages should also be shown for the current and four prior years. In making comparisons of the above percentages of solvency between various years, the ratios for all years should, of course, be calculated on the same basis. In connection with the Valuation Exhibit on the “Accumulation Basis”— Section 30 Method—use is made of a part of the Valuation Exhibit on the Sec-'tion 29 Method—Basis other than Accumulation. In this case the latter Exhibit is not required to be completely filled out. The items of assets and liabilities must check with the corresponding items in the Annual Statement. These items of information shall be furnished by an official of the society to the actuary or accountant who shall include them in the Valuation Exhibit. This Valuation Report must be certified by a competent actuary or accountant, or verified by the actuary of the department of insurance of the State in which the society is domiciled. Publications in official journals or, in lieu thereof, communications to individual members shall be made of the results of valuation in form identical with.that of the Valuation Exhibit to Insurance Departments with explanations. When furnishing copy to the Annual Report to the Actuary or Accountant (unless he has personal knowledge of the facts) the Secretary (or other qualified officer) of the Society shall definitely give the amounts of the non-admitted assets and of the expense fund and of other funds held for relief or other special purposes and not primarily for the payment of claims, and shall answer the following questions: If the laws of the society provide for the segregation and trusteeing of the reserves or funds of any class or classes of certificates, a separate Valuation Exhibit and “Form of explanation for publication” shall be attached to this report in respect of each such class and be furnished to all members irrespective of class, through the official publication of the society or otherwise. Do the laws of the society provide for the segregation and trusteeing of the reserves or funds of any class or classes of certificates excepting juvenile certificates? If so, specify same. — Juvenile only. If so, attach a copy of such to the Valuation Report. Was such segregation and trusteeing of reserves or funds in accordance with, pursuant to, or under the express authority of, the statutes of any State? Answer: -------------. If so, specify the State and give the reference to the particular statutory provision. Answer:---------------. Does the society issue separate certificates promising disability benefits? Answer: No. If so, specify same. Answer: ---------------. Are the net contributions for disability benefits kept in a fund separate from all other benefit and expense funds? Answer: Yes. If so, state the increase, or decrease, of the funds in the year 1936. Answer: Increase $2,846.30. How many assessments were actually collected during each of the last five years? Answer: Twelve. 1936 1935 1934 1933 1932 Death ........................... ...................................................... Disability----------------------- ...................................................... Expense................................................................................. Combined death, disability and expense —— --------------------- 12 . 12 12 12 12 Date when Society last changed,the number of regular assessments to be collected each year. Answer: Unchanged. Wljat proportion of first and subsequent years’ contributions may be used for management expense? Answer: First year Expense Fund Assessments. Subsequent years-------------. Are there any reserve liens (not certificate or premium loans) outstanding against certificates in force? Answer: None. If so, state face amount and rate of interest charged.-------------. Are Certificate liens or loans or premium loans granted? Answer: Yes. If so, state conditions and amount of each class of liens or loans outstanding. Answer: Restricted loans at 6% interest payable annually. Also state the amount of liens or loans outstanding at each rate of interest. Answer: $140,881.15 at 6%. I hereby certify to the correctness of the foregoing answers and to the correctness of items, 37, 48, 50, 59, 72, and 74 of the Valuation Exhibit. (Signature) ANTON ZBASNIK (Official Title) Supreme Secretary. Valuation report of the South Slavonic Catholic Union of America. A synopsis of the forms of certificates and the formulas employed for valuing the benefits and contributions under each form, together with the amount of insurance in force, must be given by the actuary or accountant with answers to the following questions: State the method of valuation used (whether level net premium, full preliminary term, straight modified preliminary term, Illinois Standard, etc.). Answer: N. F. C. class level not premium—others Illinois Standard. Has the society during the past five years for any class of certificates changed it valuation procedure or formulae so as to affect its solvency percentage? No. If so, explain fully.--------------. State the Mortality and Interest Assumptions employed in the Valuation. Answer: (Use schedule A on next page.) (a). Have the negative reserves on individual certificates been eliminated from the Valuation Exhibit? Answer: Yes. . What is the total amount of negative reserves on individual certificates? Answer: $5,065.42. The term, “Negative Reserve,” refers to the excess of the present value of the future net contributions over the present value of the promised benefits. (c). Does the society charge redundant net rates of contribution, i. e., net rates in excess of the tabular net rates (on the basis of the mortality table and interest assumptions used in the valuation) ? Answer: Extra 6c per mo. per 1000 on N. F. C. redundant at some ages. (di. If so, state the amount of the present value of such excess contributions, and also state the intended purpose thereof. Answer: $5,065.42. (e). If a society, which uses tabular values in making its valuation, charges net rates of contribution lower than the tabular net rates (on the basis of the mortality table and interest assumptions used in the valuation), it must set up an additional reserve to cover the deficiency in such net rates. (f). Has the requirement been complied with? Answer:-------------------. (g). State the amount of such deficiency reserve, if any. Answer: $ (None). In the determination of the ratio per cent, of assets to liabilities, according to the method of valuation prescribed by the Fraternal Insurance Law of the Commonwealth of Pennsylvania, there must be eliminated the funds not available for the payment of future claims under contracts of insurance and the "non-admitted assets” other than certificate*liens, loans and interest thereon; provided that the total of such indebtedness on any certificate included in the Valuation Exhibit shall not be greater than the excess of the present value of the promised benefits ovar the present value of the future net contributions under said certificates as shown by the method of valuation assumed by the society, in accordance with the laws of the Commonwealth of Pennsylvania. Have the above requirements been complied with? Answer: Yes. VALUATION EXHIBIT (Section 29 Metliod—Basis other than Accumulation) Assets—Actual and Contingent (Excluding assets of expense and special funds) Freseut mid-year value of future net contributions on the following form of certificates: Death only.................................................... $ Death and disability ....................................... $ Total ........................................................... $ Assets available for payment of death losses determined as follows: Admitted Assets, item 37, page 4 of annual statment (including loans and interest thereon secured by reserves or accumulations actually maintained on the corresponding individual certificates) $2,106,049.29 less sum of general or expense funds $8,772.98, sick and accident funds when not valued $34,375.28, and special funds include all funds other than general or expense funds not available for payment of benefits................................$ 2,961.22 Assets—Actual and Contingent—sum of items 36 and 37, above $2,059,939.81 Liabilities—Actual and Contingent (Excluding liabilities of expense and special funds) Present Mid-Year Value of promised benefits, or Net Tabular Mid-Year Values, on following forms of certificates: Death pnly ....................................................$........... Death and disability ........................ Sec Sched A—Sick and accident ............................................. Adult forms ................................................. 1,558,733.53 Juvenile forms ................................................... 23,355.22 Contingency Reserve 155,873.35 Total $1,737,962.10 Deduct liens and interest thereon, not included in Admitted Assets, (Continued on page 8) DOPISI (Nadaljevani* s 3. str.) Barberton, O. — Vsem članom društva sv. Martina, št. 44 JSKJ naznanjam, da bo naše društvo priredilo veselico v soboto 1. maja. Vsled tega je priporočljivo, da pridejo na sejo 25. aprila po možnosti vsi člani in članice, da se pogovorimo o vsem potrebnem. Kdor zasleduje poročila v Novi Dobi, ve, da je v teku živahna kampanja za pridobivanje članov v mladinski oddelek in tudi v odrasli oddelek. Tej kampanji bo sledila mladinska konvencija in delegat ali dele-gatinja mladinske konvencije bo tisti ali tista, ki dobi kreditiranih vsaj 30 novih članov mladinskega ali 15 novih članov odraslega oddelka. Vsako društvo lahko pošlje na mladinsko konvencijo poljubno število delegatov, samo da vsakemu kreditira 30 novih članov mladinskega ali odgovarjajoče število novih članov odraslega oddelka. Za naše društvo bi se spodobilo, da ne bi poslalo na konvencijo samo enega, ampak več delegatov. Naselbina je velika in dosti je še nedoraslih otrok, celo otrok naših članov, ki še ne spadajo v mladinski oddelek, dasi je asesment prav malenkosten. Torej, potrudimo se zdaj in jih vpišimo. Prilike so ugodne. Jednota povrne stroške zdravniške preiskave do vsote $2.00 pri odraslih članih in do 3V0te 50 centov pri mladinskih članih. Dalje Jednota še vedno plačuje nagrade v gotovini za vse novo pridobljene člane obeh oddelkov. Delavske razmere so tu v Barbertonu še dosti povoljne, posebno odkar se je delavstvo organiziralo. Res pride sem in tja do kakšne sedeče stavke, pa je kmalu poravnana, ker tudi naši gospodje podjetniki sc bojijo stavk. Kljub prilično dobrim delavskim razmeram pa imajo nokate i člani težkoče s plačevanjem asesmentov. ‘ Nedavno me je poklical sobrat, tajnik in mi je predložil tajniško knjigo, češ, da naj jo pogledam. Bilo je zadnji dan pro I odposlanjem asetmeuta. Jz gledam in gledam in končno vprašam, kaj pomenijo vsi tisti rdeči križi v knjigi. In tajnik mi je povedal, da tisti križi stojijo pri imenih tistih, ki še niso plačali iisesmentov. V tem oziru bo treba v bodočnosti zahtevati od članov nekoliko ve;: točnosti, ali pa bo pela suspen-dacija. Star pregovor pravi, da čez 7 let vse “okoli pride”, toda v vseh slučajih to ne velja. Jaz sem pri tem društvu že .11 let, pa vidim vedno ene in iste člane na društvenih sejah. Nekateri pa sploh nikoli ne pridejo. Želim, da članstvo v večjem kakor običajnem številu poseti prihodnjo sejo, da se pogovorimo o mladinski konvenciji oziroma o kampanji pred isto, in pa seveda o veselici, ki se bo vršila 1. maja. Letos ne bo društvo priredilo nikakega piknika, zato moramo pa gledati, da bo vsaj veselica dobro obiskana. Vstopnina bo samo 25 centov za osebo. Bratski pozdrav!—Za društvo št. 44 JS-iv J: John Klančar, predsednik. Center, Pa. — Vsem ,je že znano, da se letos vrši mladinska konvencija in pred njo se vrši kampanja za pridobivanje novih članov. Vsak član mladinskega oddelka, ki je v pravi starosti, ter dobi ali mu je kreditiranih vsaj 30 novih članov mladinskega oddelka tekom te kampanje, s tem kvalificira za delegata. Mladinska konvencija se bo vršila začetkom avgusta v Elyu, Minn. Pri našem društvu št. 33 JSKJ smo postavili za kandidatinjo mlado sosestro I-sal el Eržen. Kandidatinja :.e Dalje na 8. str. ANNUAL STATEMENT (Continued from nage 7) and not in excess of required reserves on the corresponding individual certificates valued according to Section 29 Method— Basis other than Accumulation ......................... Balance, item 47 less item ,48, above $1,737,902.10 Liabilities of mortuary or benefit funds .determined as follows: Total Liabilities, except reserve, page 5 of annual statement, $71,926.14 less sum of liabilities of general or expense funds, page 5 of annual statement, not in excess of balance in corresponding funds (item 37, above) $1,695.22; liabilities of sick and accident funds when not valued, page 5 of annual statement, not in excess of balance in corresponding funds (item 37, above); and liabilities of special funds < funds other than general or expense funds not available for payment of benefits), page 5 of annual statement, not in excess of balance in corresponding funds (item 37, above) $30,263.91 39,968.01 Liabilities—Actual an. j( MANDIE na 30. junija, na parniku, ki je najvec.1 J sedaj tudi najhitrejši, imamo še kakih 10 zelo do ^ prostorov na razpolago. Vabljeni ste, da se Pri(%| te! Ako potem, ko ste že dali “aro,” iz enega ali ^ gega vzroka ne morete potovati, se vam vaš denar J devolje vrne ... Ta PRIJAZEN NASVET velja * za tiste, ki nameravajo potovati pred našim gla^ izletom ali pa pozneje. Upoštevajte ta prijateljski svet in uvideli bodete, da vam želimo le dobro. • Vsa navodila in nasvete glede potovanja d« pri: AUGUST KOLUNDER (0. 6419 ST. CLAIR AVENUE v Slov. Narodnem Domu HOLLANDER prodaja parobrodne listke parnike in linije, opravlja tudi notarske posle in logi ima vedno jugoslovanske in italijanske znatni NAJCENEJŠI SLOVENSKI DNEVNIKOV ameriki * enakopravnost Naročnina za celo leto izven clevelanda je $4* \' I Društvom in posameznikom se priporočamo tiskovina. Unijsko delo—zmerne c®1* 6231 ST. CLAIR AVE. Cleveland, DOPISI Nadaljevanje s 7. str. priporoča vsem uradnikom in uradnicam in sploh vsemu članstvu našega društva, da ji z nabiranjem novih članov pomagajo doseči čast delegat-stva. Istotako se priporoča uradnikom in uradnicam ter članom in članicam angleško poslujočega društva Ramblers, št. 221 JSKJ, ki letos nimajo svojega kandidata za mladinsko konvencijo, da njej pomagajo. Društvo št. 33 JSKJ bi posebno letos, ko praznuje svojo 35-letni-co, rado poslalo svojega delegata ali delegatinjo na mladinsko konvencijo, in člani društva Ramblers nam lahko pri tem dosti pomagajo, posebno ker pridejo bolj v stike z drugorod-ci kot mi starejši. Društvo Ramblers je aktivno in priljubljeno v naselbini. Poslalo je svojega delegata na pr vo konvencijo in na prvi konvenciji je dobilo enega glavnega uradnika JSKJ. Društvo št 33 ni bilo deležno take časti tekom vseh 33 let. Zato se vs: pobrigajmo, da pošlje naše dru štvo delegatinjo na drugo frila dinsko konvencijo! Bratski po zdrav! — Za društvo št. 3" JSKJ: Frank Schifrar, tajnik Eveleth, Minn. — Prihodnji redna seja društva Sv. Ime Je zus, št. 25 JSKJ, se bo vršila 1 nedeljo 25. aprila. Želim, da s< omenjene seje članstvo kar mo goče polnoštevilno udeleži. Tu di mladinski člani naj bi prišl na omenjeno sejo. Na seji bi prišla na razpravo mladinsk konvencija, ki se bo vršila letos v avgustu v Elyu, Minn., in priporočljivo bi bilo, da tudi naše društvo pošlje na isto e-nega ali več delegatov. Na seji 25. aprila bomo izbrali kandidata ali kandidate. Torej, pri-h dite vsi na sejo, odrasli člani j in mladina! Bratski pozdrav1 — Za društvo št. 25 JSKJ: Frank IJrbiha Jr., tajni!:. Struthers, O. — Društvo “Cardinals”, št. 229 JSKJ, sto-| pa spet enkrat na plan, in sicer to pot s poročilom, da priredi v soboto 24. aprila plesno veselico. Veselica sc bo vrfsila v j Hrvatski dvorani na Lov/ell-ville Ild. Za godbo bo skrbel dekliški orkester “Sester Ber-; gant” \z Lisbon, O., in smo go-tovi, da bo i3ta zadovoljila vse, starejše in mlade. Na to veselico vabimo tudi člane in članice iz okoliških naselbin. Po-i sebno upamo, da dobimo kaj jposetnikov iz Youngstowna, O. Kandidatinja za delegatinjo na mladinski konvenciji je Vir- I ginia Mikolich, ki si zelo prizadeva dobiti dovolj novih članov ; ’ za pridobitev delegatstva. Daj-; mo ji pomagati1 k uspehu! Naša prihodnja mesečna 3e-; ja se bo vršila 14. maja na domu Johna Pogačnika. II Rose Slabe. ! Sliaron-Farrell, Pa. — članom društva Sloga, št. 174 JS-‘ KJ naznanjam, da sem spremenil svoje bivališče. Zdaj stanu-e jem na 151 Chestnut in Mor-s ton Sts., Wheatland, Pa. Ta na-e slov velja za one, ki hočejo pri- ti do mene osebno. Za pisma pa še naprej ostane stari naslov, to je: “Box 441, Farrell, Pa.” Bratski pozdrav! Frank Kramar, tajnih. Gilbert, Minn. — Vsi dobri člani in članice JSKJ želimo, da bi bil njen napredek kar najboljši, po vseh krajih te velike dežele, kjerkoli so njena društva in posamezni člani. Posebno pa želimo, da bi napredovala v svoji rojstni deželi v Minnesoti, kjer je tekla njena zibelka. Saj smo tudi lahko ponosni nanjo. Nobene druge slovenske organizacije ni v Minnesoti, ki bi j se bila tam rodila in potem razširila širom Zedinjenih držav. Zato smo pa toliko bolj ponosni nanjo in vsled tega je naša dolžnost, da vedno delamo za njen napredek, posebno pa zdaj, .tekom mladinske kampanje, ki je predhodnica mladinske konvencije. Naša J. S. K. Jednota je nestrankarska podporna or- ' ganizacija, točna v svojem po- ' slovanju in nadsolventna, to je, c finančno trdna, torej nam je lahko priporočati tako organi- t zacijo vsakemu. 1 članice društva sv. Ane, št. ^ 133 JSKJ v Gilbertu, Minn., pozivam, da gredo z navdušenjem I na delo, da bo tudi naše društvo imelo delegatinjo na 2. mladin-. ski konvenciji JSKJ, ki se bo vršila začetkom meseca avgusta v Elyu, Minnesota. Samo 30 no- - vih članov mladinskega oddelka j t je treba, da kandidat ali kandi- ; datinja kvalificira za delegata ali delegatinjo. Torej glejmo, . sosestre, da se bo naš Gilbert do-i bro izkazal tekom te kampanje i in da bo častno zastopan na mla-L dinski konvenciji! Sestrski po-zdrav! — Za društvo št. 133 , JSKJ: j Frances Lopp, tajnica. i Girard, O. — Rojakom v tem ' mestu in bližnji okolici nazna- - njam, da bo tuka.jšno samostoj-i no društvo “Slovenski bratje” - priredilo veliko pomladno veselico v soboto 24. aprila. Veselica ■ se bo vršila v tukajšnem S. N. Domu in se bo pričela ob 7. uri zvečer. Za ples bo igral izborni i Simončičev orkester iz Clevelanda. Vstopnina bo samo 25 centov za osebo, člane tega društva, ki niso bili na februarski seji, ! obveščam, da je bilo takrat skle-1 njeno, da vsak član kupi po dve j vstopnici; eno lahko proda kakemu prijatelju, eno pa obdr-Iži. Lahko pa seveda proda tudi obe in kupi zase drugo. Rojaki in rojakinje v tem mestu in po okoliških naselbinah so prijazno vabljeni, da nas obiščejo na naši veselici v soboto 24. aprila. Poskrbljeno bo za okusen prigrizek in pijačo, in prepričan sem, da bo tudi dobra družba navzoča.' V dobri družbi se pa vsak dobro počuti in zabava. Torej, na svidenje! Mathew Kogovšek. URE, PRSTANI, DEMANTI, ZLATNINA, SREBRNINA IN DRUGO! Zenith in Sparton Radios in refrigerator ji. Svilnate društvene zastave in regali je. Popravimo ali prenovimo tudi stare zastave. IVAN PAJK 24 Main St., Conemaugh, Pa. Fran Milčinski: 0 papigi in procesiji Papige so prav zabavne živali, le to grdo navado imajo nekatere, da rade zmerjajo. Pa bodi pravici na ljubo in papigam v opravičbo, da jim zmerjanje ne izvira toliko iz lastne zanikarnosti, nego so se ga največ navzele od svojih gospodarjev. Poznal sern papigo, stara je bila kakor zemlja in plešasta kakor profesor, pa mi je pripovedovala njena gospodinja, da vsakega berača, ki se prikaže, nažene s potepuhom. Pa se je neki dan tak berač postavil po' robu: “To se mi še ni primerilo vse žive dni,” je dejal, “da bi pošten človek, ki prosi, bil zmerjan za potepuha.” In je dejal, da bo šel na sodnijo in bo tožil. Pa nemara ni vložil > tožbe, kajti je dandanes tudi tožbam za čast treba, da jih kolekuješ. Toliko pa čast ni vsakomur vredna, da bi zanjo tvegal pare in dinarje iz svojega žepa. In se je tako zgodilo, da ta papiga ni bila poklicana pred sodnika na odgovor, nego ji je bila prizanešena kazen, kakršno postava piše za zmerjanje. No, pa mi je ta gospa povedala še o drugi papigi, star župnik jo je bil podedoval za svojim bratom, častnik je bil in brez otrok. Ta papiga je: starega župnika prijetno kratkočasila. In je bil stari župnik potreben razvedrila, kajti je bila njegova služba sitna in težavna. Imel je v fari toliko tistih posvetnih novotarij, ki jim pravijo tovarne; koder so pa tovarne, je tudi več greha kakor drugod. Prinesle so te tovarne staremu gospodu župniku dokaj o-pravila, oh, vse preveč z mladimi materami, s tistimi, ki so; ’• * bile matere brez cerkvenega do- *T* vol jen ja. To ne bi smelo biti. Včasih ni bilo tistih stvari v fari in take sramote! In ni zameriti staremu gospodu župni ku, da je takim materam, ko so mu prihajale v farovž, po svoji vesti in kot dober pastir razložil zavržnost njihovega početja in jim jo je razložil s kratko in jedrnato, pa živo besedo, a ima narod za take prilike in osebe obilo značilnih in krepkih besed, najdeš jih v vsakem boljšem besednjaku: “Čandra, copata, lajdra, leščer-ba, plundra” itd. Ali so kaj pomagali župnikovi izpodbudni pouki ali ne — 1 kakorkoli: svet se je sukal na-! prej. Prišel je visok praznik, ta praznik je bil združen s proce-sijo in je procesiji kazala pot,: Tj kakor po navadi, tudi mimo m farovža. Kuharici je šla briga, da je na oknih nažgala sveče, med svečami so stali košati pi-: ” sani šopki, na eno okno pa s: p je spomnila in je med sveči postavila še kletko s papigo, kletka je bila sinoči osnažena in se je lesketala kakor zlato, ptič je bil pisan bolj kakor šofiki na drugih oknih — naj bo v božjo čast! Papiga pa je tudi bila vesela solnca in zraka in zvonov in petja in pogleda vse na okoli. Procesija je prihajala mimo z banderi in vsem sijajem — močno je zanimala papigo. V procesiji so stopale ženske vsake sorte, s svečami, s trakovi in svetinjicami in brez.! Pa se je ptiču zbudil spomin, odvezal se mu je kljun in jih je KILA ALI HERNIA Klinika za zdravljenje iste brez operacije Na tej kliniki se tudi zdravijo varicose veins (razširjene žile), hydrocele, Fistula, fissure, hemorrhoids (zlata žila) in varicocele. Dr. M. A. Brandon 4?.G Broadway Bldff. Lorain, O. Klinike se tudi obdržujejo v Carter Hotelu v Clevelandu, O. (vsako sredo popoldne) in v Columbusu, O., v uradu dr. E. P. Benedicta, 1205 'i N. High St. (Po nadnllne Informacijo niSite v angleščini.) SCHEDULE A (1) Mortality and Interest Assumption Used (2) Korm of £ Ž E :> ]00 Din Za $ 0.50 100 Lir Za 5.00 200 Din Za 12.25 200 Lir Za 7.20 300 Din Za 30.00 500 Lir Za 11.70 500 Din Za 57.00 1,000 Lir Za 23.00 1,000 Din Za 112.50 2v000 Lir Za 45.00 2,000 Din Za 167.50 3,000 Lir Ker se cene sedaj liltro menjajo so navedene ceno podvržene spremembi gori nil doli. Pošiljamo tudi denar brzojavno ln izvršujemo izplačila v dolarjih. V Vašem lastnem interesu je, da pišite nam, pred n o s<* drugje poslu/,Ite, za ceno In pojasnila. Slovenic Publishing Co. (Glas Naroda—Travel Bureau) 21G West 18 St. New York, N. Y. EXPECTED AND ACTUAL MORTALITY ON GROSS AMOUNT AT RISK Expected mortality on gross amount at risk S 128,912.00 Total death losses incurred during the year determined as follows: Death lasses paid during the year including the commuted value of installment death losses $143,244.71 (item 1, page 3 of annual statement), plus such death losses unpaid December 31 of current year $12,000 (items 1-G incl., page 5 of annual statement), and less such death losses unpaid December 31 of previous year $10,055 (items 1-6, incl, page 5 of annual statement for said year), giving actual mortality on gross amount of risk $117,375.00 and less $27,814.35 old claims transferred to supplementary contracts account. Ratio per cent, of actual (item 79, above) to expected mortality (item 78, above), on gross amount at risk during 1930 91.05% 1935 ............. 82.5%' 1934 ............. 101.7% 1933 % 1932 ..................% Valuation report of the South Slavonic Catholic Union of America. INTEREST INCOME FROM INVESTMENTS (Excluding items belonging to general or expense funds) The figures entered in items 81 to 88, inclusive, below should relate to benefit funds only. The general or expense fund figures are to be excluded from these items. For example: The interest, dividends and rents and investment expenses of general or expense fund are to be excluded from items 81 to 87, inclusive, below; and in calculating the percentages shown in items 86, 87 and 88 below, the assets of general or expense funds are to be excluded. Interest, dividends and rents received during' the year, per items 11 to 17, inclusive, page 2 of the annual statements (less item 43, page 3, and less $ amortization and plus $ accrual) $ 94,714.18 Add the excess of interest and rents due and accrued over interest and rents paid in advance December 31 of current year determined as follows: Item 17, page 4, less the interest in item 10, page 5, of annual statement ............................................... 30,263.94 Total...................................................................... $ 124,978.12 Deduct the excess of interest and rents due and accrued over interest and rents paid in advance December 31 of previous year determined as follows: Item 17, page 4, less the interest in item 10, page 5, of previous year’s annual statement 26.372.25 Interest earned during the year, item 33 less item 84 above <5.04 per cent, of mean ledger assets less one-half of interest earned) 98,605.87 Investment expenses paid during the year $ , plus $ unpaid December 31 of current year, less $ . unpaid December 31 of previous year, giving incurred investment expenses (averaging per cent, of mean ledger assets) 00 Net interest (including rents) on Investment of benefit funds, item 85 less item 86, above (5.04 per cent, of mean ledger assets less one-half of net interest income from investments) $ 98,605.87 Net rate of interest earned on benefit funds during 1936 5.04% 1935 ..................... 5.17% 1934 ..................... 4.81% Instructions for Calculating Expected Mortality on the Gross Amount at Risk (a) $124,525.89, qx_i_n times insurance in force December 31 of previous year. (b) $129,429.62, qx_i_n times insurance in force December 31 of current year. (c) $ 3,868.12, qx4_n times Death losses incurred during the current year. (d) $257,823.63, Sum of items (a) (b) and (c), above. Divide item The above calculations were made on basis of N. F. C. and Am. Exp. 4% table of mortality. (g) The insurance in force and death losses tabulated according to attained ages may be taken from Schedule VI, page 6, of the annual statements for the previous and current years. The insurance in force and death losses in Schedule VI should be reported according to the attained ages on the anniversaries of the certificates during the current year. For example: The insurance in force and death losses as of December 31, 1936, should be reported according to the attained ages on the anniversaries of the certificates during j the year 1936. . ) i ii v«1