davidaulloa/AmericanStories huggingface dataset:
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

u Jul 1iIClllOSIS . ak SlOdIldllS
or 81 receive $72O.74 in cash
and a ST, 900 paid up certifi.
cate. This is the most popu.
lar certificate.
Many parents use their
child's baby bonus money tc
pay for this certificate and
still have money left over.
A Deal You Can't Beat
3. - Educational Endow-
ment at age Is. This is al
most the same as the 20 Year
Endowment with the excep-
ton that it pays off at age
18 and the rates are higher.
Children past the age of ten
are not eligible to obtain this
certificate. The attractive in
ducement to the purchase of
this form of insurance is the
fact that the policy natures
at the same time that the
youngster is ready for col
lege.
4. - Term to Age 18. This
is Canada's cheapest insur-
ance, which costs you only Is
cents a month the first year,
and the following years, $1.75
per year. Five months of each
year the CFU Home Office
valves the dues on this GER
tificate for added savings.
After Is years of member
ship the total cost of this pro-
lection is SITS x 16, or $28.
Upon transfer to Lodge the
member is entitled to a re-
bate of $3.50, showing a to-
tai cost of $3.50 for 16 years
Of insurance.
Included in this is the Jun
ior Magazine which is pub
lished bi-monthly by the Jun
ior Order Department and
publicizes various pi c n j cs,
sports activities, concerts,
parties and other activities.
Where else in Canada can
you get all these extras, plus
complete protection, for such
a minimum fee?
Symbol OF Confidence
A further deduction of So
is given if at least one parent
is a CFU member and the
child is enrolled within six
months of it's birth. In such
an event the Junior Order
Department awards prepaid
dues check for an entire
years free dues.
We house over 33,7O0 boys
and girls in the CF'U Junior
Order. This is a sign of con-
fidence and faith in the CFU
and assures it a great future
in the years to come.
Will you sign up your
child? The sooner the child is
signed the sooner the bene-
fits will be available; the
younger the child, the cheap
er the rates per month for
your money.
To sign up your child or
for more information, see,
write or phone your Nest 397
Manager, Joseph Stanovich,
21O Fairfield Avenue, Hamil-
ton, phone Liberty 9-1872.
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

supplementary COnCractS
Each of these contracts
may be purchased with a sup
plement which provides for a
death benefit in the event the
insured is under the age of
six months at death. How
ever, the benefit payable un-
der this supplement will be
$3.50 of the face amount of
the original contract.
Conditions And Provisions
If at any time, while this
contract is in force, it is
found necessary for premium
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27
zumberaks Start
Printing For Fete

Cleveland, Ohio - Seven
teen years of fraternal unity
in the ranks of the "zumbe-
rak" CFU Lodge $50 will be
commemorated on Sunday,
November 81, at the play
house, Cleveland's nationally
known theatrical institution.
On that date the "zumbe-
raks" will join in witnessing
a play written by Elmer Rice,
titled "The Winner, a pack
age of the sharpest wise
cracks ever heard on the
stage. The heroine is just a
small town girl who bags a
fortune in the highly popula-
ted city of New York.
While most of us are in
clined to look upon seventeen
years as a period of time
which isn't too long to stag
ger the imagination since in
the case of an Individual it
represents physical maturity,
the time when the powers of
the body and mind are ready
to take on the problems of
life, in the life of an organ
ization it is a different mat
ter.
AS we of the "zumberaks"
look back we recall many
happy memories such as the
initial organizational meeting
when only eight mer-Nors
were present to lay the
ground work for the Lodge,
and the following years
marked by outstanding a.
chievements.
It is customary that at
least once a year an event be
dedicated to marking the an
niversary of the Lodge, just
as an individual usually goes
through the round of birth
day parties.
To make this years event
a celebrated one, a double
barreled combination of do
inrs is being arranged for by
the Secretary, Mary A. Popo-
vich.
To obtain your tickets to
the play being presented for
our anniversary, call Miss Po-
povich at EN- 1-7829. Her
address is 1172 E. 58th st.
And now, to cap the climax,
a week later, on November
27, the "zumberaks" will hit
the deck with a huge Dance
at the newly remodeled st.
Nicholas Hall. Dancing will
be to the tunes of Gilbert
Georges Orchestra. T h e r e
will be prizes galore at this
affair, the prelude to Cleve-
lands salute to the Goth An
niversary of the GU sched-
uled for November 18th.
So there is the layout of
our program. 1t will certainly
be a fitting time for all
"zumberaks'' to see each
other at the Playhouse, and
then meander down together
to an informal, refrc"hing
gathering in the Green Room.
Remember these d a t e s,
make a note to observe them
with us, and order your tic
kets today.
= George Relich, Rep.
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27
Vital Datum
| Worth KNOWING
BY Joseph Bella
Supreme Secretary

pittsburgh, Pa, - AS a
continuation of our weekly
column, you may have no.
ticed that no questions or an
swers appeared in last weeks
issue from this department.
The reason for this, believe
it or not, was due to the fact
that no serious problems, or
| questions, were received by
our office during that week.
The same situation holds
true this week, but there is
one matter which seems to
be confusing, or misunder-
stood, to our Secretaries, that
being LODGE DUES GRE
DTS.
Special Form 11-Rev.
When a member is placed
on Reserve by the Lodge Sec
retary, the Lodge very rare
ly collects dues from such
member for Lodge expenses,
since his dues are being paid
from the Reserve Of the GER
tificate.
Because of this fact, the
Home Office has a special
form for this purpose, which
is Form 11-Rev. under the
heading of LODGE DUES
CREDIT. This is the only
form that may be used for
the purpose Of receiving Gre
dts from a members Reserve
for Lodge expense dues, and
it must be used only for those
members who are on Reserve.
AS stated in the instruc-
tions on the bottom Of the
form, said form should be
submitted annually in the
month of December for all
members who are on Reserve.
If the members Reserve is
expiring during the year, the
form should be submitted to
the Home Office at least 60
days prior to the date of ex-
piration.
Very Simple Procedure
A credit up to IL months
only shall be allowed in any
current year. This means
that no credits will be allow
ed for any period which pre-
cedes the current year of op-
erations.
For example, if a member
is placed on Reserve on April
1, 1854, the Lodge Secretary
would mail us the form in
December, and receive credit
from the members Reserve
for his Lodge expense dues
for the period from April l,
1854, to December 81, 1854,
or a period of 9 months for
the current year.
Any period prior to April L
would not be taken into con-
sideration, since the member
was paying his own dues un-
til that time, which included
his dues for Lodge expenses.
When a member is placed
on Reserve, his dues for
Lodge expenses are not in
cluded on the Reserve card,
which is the reason why the
Lodge dues credit form must
be used at the end of each
year.
Forward Forms In Time
Said forms should be mail
ed to the Home Office as
early as possible in December,
so as to. allow us plenty of
time to mail the checks to
our Lodges before the end of
the year.
We hope that these few
words of explanation will cla-
rify the proper use of Form
11-Rev. and that it will eli
inmate the need for much un-
nacaSsaru corresnondance
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

y y
may be retained by the in
sured as. a paid-up Life insu-
rance certificate in the face
amount.
If living at maturity of this
certificate, the insured may
choose one of three attractive
options. These options are as
follows: The insured may ac-
cept the face amount of the
certificate in cash; he may
receive a paid-up Life insur-
ance contract for the face a.
mount plus a cash settlement
of approximately 1919 of the
face amount; he may receive
a paid-up Life insurance con-
tract, payable at death, in an
amount greater than the orr
ginal face amount; or he may
elect to have the net proceeds
payable under this certificate
paid in equal annual or
monthly installments for a
stipulated number of years.
Twenty Year Endowment
This contract provides for
the payment of premiums for
20 years, after which, the
certificate natures for the
face amount. In the event of
prior death of the insured,
the face amount will be paid
to the beneficiary.
On maturity of this certifi-
cate, the insured, in lieu of
receiving the face amount in
cash, may elect one of the
following options: He may re-
ceive a paid-up Life insur-
ance contract for the face a
mount and receive an amount
equal to approximately $50
of the face amount in cash !;
he may receive a paid-up Life
insurance contract. in an a.
mount equal to approximately
three times the original face
amount; or he may elect to
have the net proceeds paid
in equal annual or monthly
installments for a stipulated
number of years.
Educational Endowment
This contract is issued on
the lives of children to 10
years of age. AS the name
implies, this certificate is de-
signed to mature on the GER
tificate anniversary nearest
the insured's 18th birthday.
In the event of prior death
of the insured, the certificate
provides for the payment of
the fact amount to the bene-
ficiary.
On maturity at age 18, the
insured may elect one of the
following options: He may
receive the face amount in
cash; he may receive a paid
up certificate plus a cash set
t / e m ent Of approximately
$50 of the face amount; he
may receive a paid-up Life
insurance certificate in an a.
mount equal to approximate
lily three and one-half times
the face amount of the origi-
nal certificate or may elect
to receive the net proceeds in
equal annual or monthly in
stallments for a stipulated
number Of years.
Dividends Reduce Cost
Each of these three con-
tracts is entitled to partici-
pate in the surplus earnings
of the Society. These divi-
dends greatly reduce the low
net cost of insurance protec-
ton.
Supplementary Contracts
Each of these contracts
may be purchased with a sup
plement which provides for a
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

He has to his credit an even
will read this release there is
every probability that he has
gone over the top to be the
first winner of an Honorary
Delegateship to the Croatian
Fraternal Unions 1855 Con-
vention at Philadelphia.
Congratulations to you bro.
Balich-may this outstand-
ing achievement serve as the
guidepost for many others to
follow you to victory!
just More Propaganda:
We, of your C.F.U. head
quarters staff, might proper
ly be considered as paid a.
gents of the organization. AS
such, it is expected of us to
live and breathe the C.F.U.,
to speak of it in glowing
terms, and to write about it
in laudatory fashion.
This is all we'll and good
and is as it should be. How
ever the very fact that we
are duty bound to discharge
our obligations in this man.
ner handicaps our effective
ness at times.
When we have something
new, something exceptionally
good, and we tell you about
it, there is a tendency to dis
count it's true worth because
after all "there they go over
board again on some new an
GLE" "It's just more propa-
ganda." "What's the gimmick
now" And 80 on, ad infini-
tum.
And since no man is a pro-
phet in his own kingdom we
too have to call upon an out
side source at times to tell US
and you how good we (the
CHA are. We. personally
have been writing and talk
ing and preaching the new
CSC Certificates until we
are blue in the face and still
there is some skepticism;
there are still some doubling
Thomases who just can't be-
iieve that the CF'U could
really have something this
good.
Dunno Provides Answer
Let us, therefore, all sit
back and read what DUNES
Insurance Reports have to
say about our new Juvenile
coverage.
This firm is the worlds
largest policyholders report
ing service with offices in
London, New York, Chicago
and Louisville. This organi-
zation is not connected with
any insurance company or
society.
It's sole function is to pre-
pare and publish impartial
and factual analyses of insu-
rance affairs for the benefit
of the public. The report is
copyrighted and gives your
CFU an At (Excellent) rat
ing. Here it is:
Al Or Excellent!
We have made an analysis
of the Endowment Certifi-
Gates offered by the Croatian
Fraternal Union of America.
Our analysis indicates that
these certificates have many
liberal and attractive fea-
lures individual to this Soci-
ETY..
We have also examined the
financial statement of Croa-
tian Fraternal Union of Ame-
rica. Based on this examina-
tion,. we have awarded this
Society our highest rating of
Al (Excellent).
Twenty Pay Endowment
This contract as it's name
implies is a certificate on
which premiums are paid for
20 years and which natures
. for the face amount at the
certificate anniversary near
est the insured's 85th birth
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

George BaIich Will Soon Emerge As
First Honorary Convention Delegate
Campaigners Given Fresh Sales Talk In
DUNES Junior Order Insurance Report
BY Michael Grasha, Secretary, Campaign Committee
Pittsburgh, Pa. - Before proceeding with literary
contribution the week we want interject Member
ship Campaign special bulletin!
That is to announce that as of this writing (Oct. 22)
bro George Bah stands the very threshold of victory
his credit even 743 Points and by the time
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

HAAS~ w RNA ~AAe%S~ AAA
surance for the same face
amount and for such period
as the net cash value will pur-
chase when applied as a net
single premium at the then
attained age Of the member,
The member may upon writ
ten request, have the cash
value applied for the payment
of premiums, such payments
being treated as premium
loans.
Each of these contracts
contain the usual provisions
as to a 31-day Grace period
for the payment of premiums,
reinstatement within three
years, suicide within one year,
policy loans, etc.
Dividends and Waivers
Each year, the Junior Or
der Department pays cash di.
vidends to all it's members
who are insured for two or
more years on the highly
desirable Twenty Year En-
dowment, Twenty Pay and
Educational Endowment at
Age 18 Certificates. These
dividends are paid to the
member in the month in
which he was enrolled into
the Junior Order.
For Term to Age 18 Certi-
ficates, we do not issue cash
dividends, but we do allow
credits in the form of wal
vers. This means that the
member is not required to pay
any dues for as many months
during the year, as is decided
by the Supreme Board of Di-
rectors, other than 5 cents
monthly during the waiver
months, plus any other addi-
tional dues which the Nest
assesses it's members. During
the past several years, our
members have received an
average Of five months wal
vers per year.
The Junior Magazine
Every member of the Jun
ior Order is entitled to receive
a copy of our Junior Mag
azine" which is published ev-
cry two months, free of
charge, and any member who
does not receive the maya.
zine, should write a letter or
card to the Junior Order De-
partment with their full name
and address included.
Baby Book
This beautifully boun d
booklet is also a gift to the
mothers who enroll their chill
dren into the Junior Order
under one year of age. The
booklet is 50 designed, that
the mother can keep a com.
plete history of her child up
to 6 years of age.
All of the above named pri-
vileges are granted to each
and every member of the Jun
ior Order. They may be yours
for the asking by joining the
ranks of one of the largest
and fastest growing Frater.
nal Insurance Organizations
in America, the Croatian Fra
ternal Union.
Recommendation
Based upon our analysis of
it's condition and affairs as of
December 81, 1853, and ap-
praisal of it's management,
we conclude that the Croatian
Fraternal Union of America,
Pittsburgh, Pennsylvania, is
worthy of public confidence
and we so recommend it.
Battle Creek Members
DIrn u.1lnu,non E.n1s~
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

~ ~AAAAASAS wv w AAS 81 ~ hJSA SiAAAhS
Slovenians, and of the above
mentioned Slav nationalities
However, each member has
equal rights and privileges ir
the ranks of the Croatiar
Fraternal Union.
We have four types of in
surance certificates available
in the Senior Department
namely, Whole Life, 20-Yea,
Payment, Endowment at 70
and 2O-Year Endowment.
We also have Single OF
Double Disability Plans fol
op e r a i ons, at reasonable
rates. And we have Sick Ben.
eft certificates which pay
$1.00 to $500 per day.
Income Defender Plan
We also have another type
of Sick Benefit Plan (Income
Defender Plan), a brand new
protection plan which just
came out this year. Under
this plan you receive the
following:
Disability - If confined tc
a hospital, 5000 the first
month, $1O0 tn e second
month, total $500.
Disability - If at home
$1O0 the first, second and
third months, total $500.
If disabled "a hours or less
you receive $500, a total of
$500 allowed in any giver
year.
If disabled less than one
month, a member at home re.
ceives 1888 per day, a hospi.
talized affiliate, $3.50.
Extra Benefits Galore
AS a member Of the Gro.
atian Fraternal Union YOU
share, with over 10000
members on the North Anne.
rican Continent, many extras
which no other insurance or.
ganization, fraternal or com.
mercial, can give you.
For example, we have a IL.
page weekly paper with an
English Section for those who
cannot read Croatian; we
have cultural and sports &C.
tivities and CFU sponsored
tournaments; and, as a mem.
ber, you may participate in
CFU Membership Drives and
thereby earn enough extra
money with which to pay
your dues.
Invest wisely by joining
the CFU today, tomorrow
may be too late. For more in.
formation, or if you wish to
sign up, write, see or phone
Philip Zebich, Lodge Secreta-
ry, at 81 Lyndhurst, Hamil-
ton, Liberty 1882, or Jo-
seph Stanovich, phone LIber.
ty 9-1872.
Junior Protection Tops
The CFU Junior Order De-
partment has four types of
insurance certificates avail
able for children of Slav de.
scent, between the ages of Q
and 16 years. They are as
follows:
10 Pay-Endowment at
Age IS. This becomes an En-
dowment if the member lives
to see his 85th birthday. In
the event of death, after age
6 months, the certificate as
sumes full face value. After
two years you receive a year
ly dividend of $3.17 per
81, 900 until death. This is a
very low cost policy, well
worth considering.
2. - 2O-Y e a r-Endowment
Certificate. This pays divi'
dends annually after two
years, $3.72 per $1,000, for Is
years. In case of death the
certificate is worth it's full
face value after age 6
months. If the child is age O.
taking a $1,000 certificate, al
maturity he has three op'
tions, namely, II take out
CT mn nd onoon %o ho q ,,ooy,n,
ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-10-27

Croatian Frafenna| Union Considered
Finest Organization Of Type In World
Prospects For Membership Will Profit
Greatly From AffiliatiOn With Society
BY Joseph Stanovch Manager, Nest 397
Hamilton Ont. - Are you between 16 and 60 and not
insured? Are you looking for insurance which will give
you the best deal? Are you of Croaan Serbian Slovenian
Macedonian Bulgarian, Ukranian, Czech Sovak Polish
descent? Are you in good health?
If your to these questions is yes" you may
join the CFU. The majority of members Croatans
The Arizona post., 1954-04-02
Local BIG
Wins Honors

Delegates to the Bnai Birth
Girls conclave held last week.
end in Phoenix returned to re-
port that the three-day ses-
sions were profitable and
worthwhile.
Lillian Wald chapter won
the Best Chapter award. Oar
lene Copalman, Stars of Re-
becca representative, was one
of two finalists in discussion
competition and will be a con-
testant in the district conven-
ton competition in California
in June. Ping-pong was won
by Ann CranSton.
Emphasis at this mid-win-
ter session is on leadership
training and is led by profes-
sional Bnai Birth Youth Or
ganization staff from the
coast. Meetings were held in
the new Phoenix Community
Center and were well organ
lied and the facilities were de-
scribed as excellent.
The Arizona post., 1954-04-02
Temple Plans
Public Seder

Annual public Seder held by
Temple Emanuel in the audi
torium the first night of Pass
over has become an institu,
ton. 1t will be held next Sat
urday evening at 6 pm. For
many it is their only opportu-
nifty to participate in the holi-
day ritual, read from the Hag-
gadah, hear the Four QueS'
tions, sip the wine and sing
the Passover songs.
While members of the con
gregation have opportunity to
make reservations first, reSer-
vations are now being accept
ed from the public and should
be made to the Temple office
by enclosing check at $3.75
per person for the dinner.
Space is limited and there is
always a capacity attendance,
hence prompt reservations
are desirable.
AS in past years, Rabbi Bill
gray will lead the service and
Herman Novick will lead the
community singing.
The Arizona post., 1954-04-02
Stamp Club
Holds Exhibit

Tucson Stamp Club is pre-
pairing a Stamp Show that
will have interest not only for
the lobbyist but for the unini-
tiated as well, according to
Dr.. j. Irving Wolf, a collector
of national reputation. It will
be held April 10 through the
18th at the Santa Rita Hotel.
Admission is free and the
exhibit will be open from 10
am. to 10 pm.
Among the non-competitive
exhibits will be the Cardinal
Spellman one on Religion in
Stamps" a priceless collec-
ton. Others will be from col
lectionS of such stamp col,
lectors as John J. Britt, pres.
of Collectors Club of New
York; Fred Barovich, vice
pres. of the Society of Philat-
elic Americans; Sol Glass,
pres. Bureau Issues Assn. Lo,
cal exhibitors include: Ben
Held, with Israeli stamps; DR..
Wolfe, with money denomina-
tions in stamps; Jerry Cohen,
tin can covers; Steve Funk,
around the world; Wallace
Levin, Trieste.
Eight awards will be made
at a banquet to be held on the
18th. Robert Lowrie is club
president.
The Arizona post., 1954-04-02
Several Reports
On Center

Following their attendance
at the Jewish Welfare Board
convention in Cleveland next
weekend, Harry Bacal, Cen
ter Committee chairman, and
Benjamin Brook, Council di-
rector, will report to the
Council delegate meeting on
April Is at the Center.
Reports will also be made
concerning plans for the new
Center as they have thus far
progressed. Community is in
vited to attend.
The Arizona post., 1954-04-02
81
MaM@
Silberman-ROsenbaum

Following their recent mar
riage in Burbank, Calf, and
honeymoon at Las Vegas and
the Grand Canyon, DR.. Sey-
mour L. Rosenbaum and his
bride are now residing at 2031
E. Speedway.
Mrs. Rosenbaum is the for
mer Miss Florence Silberman,
daughter of Mr.. and Mrs. Har-
ris Silberman, Burbank. She
attended Glendale College and
the Lawton School for Medi-
cal Technicians. Couple met
at Los Angeles General Hos
pital while the doctor was a
resident physician there. DR..
Rosenbaum is a graduate of
the University of Arizona and
received his masters degree
there. His medical training
was received at the South
western Medical College, Dal-
las. His scholastic and social
affiliations include member
ship in Phi Beta Kappa and
Sigma Xi. He is the son of Mr..
and Mrs. George N. RoSen-
baum, E. 5th, who attended
the wedding. About $50 per-
sons were present.