JANUARY Boldog Új Évet Kívánunk - PDF

William penn Life JANUARY 2013 Boldog Új Évet Kívánunk Sugar Bay Resort and Spa St. Thomas, US Virgin Islands WPA Island Escape April 26 - May 1, 2013 Join WPA for some fun in the Caribbean sun when we

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William penn Life JANUARY 2013 Boldog Új Évet Kívánunk Sugar Bay Resort and Spa St. Thomas, US Virgin Islands WPA Island Escape April 26 - May 1, 2013 Join WPA for some fun in the Caribbean sun when we visit beautiful St. Thomas in the U.S. Virgin Islands this coming spring. This trip is open to all adult members ages 18 and over who enjoy sunny skies, blue water, warm beaches, relaxing days and fun nights. We ll be staying at the incredible SUGAR BAY RESRT AND SPA which overlooks both Water Bay and the Atlantic cean. Your all-inclusive package will include roundtrip airfare; luxurious accommodations for five nights (double occupancy); breakfast, lunch and dinner daily during restaurant hours (some restrictions may apply); unlimited house brand cocktails, domestic beer, wine by the glass and nonalcoholic beverages during restaurant & bar hours; use of pool side Jacuzzi, three interconnecting pools and fitness center; non-motorized water sports; snorkeling equipment; beach and pool volleyball; miniature golf; daily activity programs; use of tennis and basketball courts; and a free introduction to SCUBA lesson. $1, per member (based on double occupancy) For more information and to reserve your place in the sun, call Premier Travel at r, fill out the reservation form below and send it to Premier Travel, along with your deposit of $500 per person. Deadline for reservations is January 7, WPA Island Escape Reservation Form Name: Date of Birth: Address: City: State: Zip Code: Phone No.: ( ) Person to contact in case of emergency: Phone: ( ) Send this form--along with your deposit of $ per person made payable to Premier Travel --to: Premier Travel 306 Warrendale Road Wexford, PA 15090 william penn Life The fficial Publication of William Penn Association Editor-in-Chief George S. Charles, Jr. Associate Editors Richard W. Toth Diane M. Torma Endre Csoman Managing Editor Graphic Designer John E. Lovasz NATINAL FFICERS National President George S. Charles, Jr. National V.P.-Secretary Richard W. Toth National V.P.-Treasurer Diane M. Torma National V.P.-Fraternal Endre Csoman BARD F DIRECTRS Chair Barbara A. House Vice Chairs William J. Bero Nickolas M. Kotik National Directors Dennis A. Chobody Andrew W. McNelis Roger G. Nagy Katherine E. Novak James W. Robertson Richard E. Sarosi Anne Marie Schmidt Your comments are always welcome. Contact us at: William Penn Life William Penn Association 709 Brighton Road Pittsburgh, PA Phone: Inside VLUME 48 NUMBER 1 JANUARY Bowling for Fun! Join us for a great fraternal weekend at The Meadows May 3 & 4 14 WPFA Scholarship Foundation Eligibility Rules & Application Form 18 A Fraternal Christmas Columns 3 Branching ut 4 Moneywise 6 Tibor s Take 8 The Hungarian Kitchen 11 ur Health Corner Cover Photo Donfiore/Dreamstime.com fficial publication of the William Penn Association. Published monthly. ffice of publication: 709 Brighton Road, Pittsburgh, PA Phone: (412) Third Class U.S. Postage Paid. Indiana, PA Permit No. 12 Departments 2 For Starters 5 Agents Corner 20 Branch News 27 Puzzle Contest 28 In Memoriam Unsolicited articles, letters, pictures and other material submitted to the William Penn Life are forwarded at the owner s risk, and the William Penn Life expressly denies any responsibility for their safekeeping or return. The William Penn Life reserves the right to edit, revise or reject any article submitted for publication. Postmaster: If undelivered, please send form 3579 to: William Penn Association, 709 Brighton Road, Pittsburgh, PA William Penn Life º January 2013 º 1 For Starters Help the victims of Hurricane Sandy Hurricane Sandy was one of the most destructive hurricanes on record, causing more than $20 billion in damages in New England, the Mid-Atlantic region and the Upper Midwest. WPA has many members and friends living in areas affected by Sandy. As fraternalists, we are dedicated to helping others in need, and in the wake of Sandy, the need is great. If each of us gives a little, we can do a lot. WPA is accepting donations to aid the victims of Hurricane Sandy through the William Penn Association Foundation. Make your check payable to William Penn Association Foundation and write Hurricane Sandy in the memo section. Please send donations to: Hurricane Sandy Relief c/o William Penn Association Foundation 709 Brighton Road Pittsburgh, PA Spouses and friends of WPA Board members recently led a project sharing the Fraternal Spirit with young patients at Children s Hospital of Pittsburgh. Early in December, they delivered a check for $1,000, representing funds donated by William Penn Association. The donation will help the hospital provide much needed medical care to children whose families could not otherwise afford it. Helping with this special project were: (l-r) Becky Williams, Nancy Toth and Marguerite McNelis. Association mourns loss of Frank J. Radvany FRANK J. RADVANY National Director Secretary of the Board Emeritus TRENTN, NJ -- The members of Branch 13 Trenton, the Association s fficial Family and WPA members across the nation mourned the recent death of former National Director and Secretary of the Board Emeritus Frank J. Radvany. Mr. Radvany, 94, passed away Dec. 7, Anyone who has attended just about any of WPA s national events over the past 50 years most likely knew Mr. Radvany. He and his loving wife of 65 years, Elsie, were the elegant, friendly couple who greeted everyone with a smile. Mr. Radvany faithfully served the Association and Branch 13 for decades, continuing a legacy of service to WPA begun by his father, Frank. The younger Frank was president of his branch for many years. He was first elected to the Board of Directors in 1967 and served as a National Director until 1988, when he retired from the Board and accepted an appointment to serve as the Board s secretary, a difficult and time-consuming job that he performed with unsurpassed attention, accuracy and dedication. He continued to serve as secretary until 2001, when he was again elected as a National Director. He retired for the second in Continued on page 28 2 º January 2013 º William Penn Life Branching ut with Endre Csoman Winter fraternal activities THERE ARE MANY WAYS to give back to the community and to the people in your local area. William Penn Association is happy to be a part of Pittsburgh and has recently donated time and funds to some local charities in n Dec. 6, 2012, volunteers from the Home ffice delivered four carloads of food (pictured below) to the food pantry at the Northside Common Ministries, bringing to a close our Food Drive WPA donated exactly pounds of non-perishable food. Much of that was donated by our Association s members, branches and friends. That total also included $ worth of food purchased with monetary donations made to our food drive. The program directors at the food pantry sincerely appreciated all of the effort and donations. We couldn t have done this without the generous donations of WPA members and branches, friends in local Hungarian churches, the Home ffice, Board of Directors and National fficers. Thank you, one and all! Also last month, WPA donated $1,000 to Pittsburgh Children s Hospital Fund Drive (see story at left). We have been honored to have been able to donate to this worthwhile charity year after year. For the fourth year in a row, WPA donated two dinners for the Ronald McDonald House Charities for the Christmas season. We ordered the meals from Giant Eagle and they were delivered on Dec. 17, 2012, to the Ronald McDonald House in Pittsburgh. The meals included turkey, mashed potatoes and gravy, stuffing, green beans almondine, carrot soufflé, cranberry orange sauce, dinner rolls and, of course, pumpkin pie. A BIG THANK YU to those branches who held Christmas parties. These parties are an important part of our fraternal society as we share the holiday spirit with each other and those less fortunate. N ANTHER NTE, there will be a Hungarian cultural event in Pittsburgh on Jan. 31. Mária Majda Guessous--a.k.a., Mesi--will be singing Hungarian folk songs live at the First Hungarian Reformed Church of National Vice President-Fraternal Endre Csoman (in blue jacket) and Home ffice employee Judit Borsay (far right), along with volunteers at the Northside Common Ministries food pantry, help unload and sort donations from WPA s Food Drive Pittsburgh. For ticket information, please contact me at , ext Mesi was the winner of the 2011 Hungarian nationwide Folkbeats talent search competition. She is performing courtesy of the Hungarian Cultural Center, New York and Centrum Management. Mesi (pictured left) not only performs ancient Hungarian folk songs but also builds musical bridges to her other ethnic connections, sure to surprise audiences. She will be accompanied by two musicians who will assure musical depth to the wonderful folk-music voyage: Iván Barvich, from the famous Sebő Ensemble, will play wind instruments and tambura; and Dávid Boros Gerzson, Mesi s husband, will play percussive instruments. For more information about Mesi, visit www. guessousmajdamaria.hu. William Penn Life º January 2013 º 3 Moneywise with Jeff DeSantes Understanding underwriting WHEN IT CMES to buying life insurance, the younger you are when you purchase it, the more likely your premiums will be lower. Young people are encouraged to purchase life insurance as early in life as possible in order to take advantage of their youth and good health with lower premiums. This makes you think and wonder why premiums are different for younger people and why they can be different for those who are close in age. That s because before you can purchase coverage, you must meet specific requirements. This process is known as risk selection or underwriting. The underwriting process helps the insurer determine the rate you will pay, based on the level of risk you pose. Auto insurance helps illustrate this concept. Good drivers pay less for coverage than do poor drivers. Also, young drivers, who tend to be more at risk, pay more than mature drivers. The key concept is that the amount of premium is based on the amount of risk. Life insurance is similar. For instance, a cigarette smoker presents a higher risk and has a shorter life expectancy than a non-smoker. Therefore, as a rule, a smoker will pay higher premiums for life insurance than will a non-smoker for the same amount and type of coverage. When you apply for life insurance, an underwriter will examine a number of factors based on the organization s underwriting standards and guidelines. These include: Your current health and physical condition. Your medical history. Your vocation. ccupations with higher risk present a higher risk. Personal habits, including tobacco use and history of alcohol or drug use. Your avocations and hobbies (private pilot vs. card player). Your age. A 60-year-old applicant will pay a higher rate than a 30-year-old. Your gender. Since women have a longer life expectancy, rates for women tend to be lower than those for men. This is why it is very important to get life insurance as early as you can before any health issues arise. Health conditions can cause a person to be rated at a higher premium or even to lose the ability to buy more insurance. But, many people forget this and mistakenly believe, as they age, that their need for life insurance doesn t exist anymore just because their reasons for needing insurance have changed. If you do not have a WPA agent, please call the Home ffice at , ext. 120, and we can assist you in finding an agent who will serve you and your family by offering: A Review of Your Needs Life Insurance Protection Tax-Deferred Annuities Juvenile Insurance Plans Special Fraternal Benefits 4 º January 2013 º William Penn Life Illustration: Can Stock Photo Inc./nasir1164 Agents Corner Illustration: Pictac/Dreamstime.Com Nick Constantino Goshen, NY Nick was born and raised in Middletown, N.Y., where he maintained his office until he moved three years ago eight miles away to the range County seat of Goshen. Nick has worked in the insurance business for 17 years, focusing primarily on final expense life insurance and annuities, voluntary employee benefits and non-medical programs for employees without health insurance coverage. Nick is very active in his community. He is a member and past president of the Wallkill East Rotary Club and the district secretary for Rotary District He is also a member of the board of directors of HNRehg, Inc., the county s homeless and emergency housing shelter, serving as chairman of the public relations and development committee. He is an ordained minister who truly enjoys officiating at weddings. Combining this with his financial background, Nick has developed a workshop entitled Marriage & Money, which is currently being offered by two local community colleges and a private four-year college in his area. The workshop explores ways for couples to openly discuss finances before and after tying the knot. He has been married for 14 years to his lifelong friend, Jill, a Middletown High School art teacher and president of the Middletown Art Group. Nick enjoys spreading the word about the unique niche products offered by WPA and will continue offering our life and annuity products to new and future clients throughout New York State. Agent Profile WPA is looking for a few good agents who want to grow with us William Penn Association is looking to grow and expand its reach in current and possibly new markets. To do this we are seeking to add highly motivated agents to our list of over 200 existing agents. WPA currently writes insurance and annuity products in 20 states. The states include; CA, CT, DC, FL, IL, IN, KY, MD, MA, MI, M, NC, NE, NJ, NY, H, PA, VA, WV and WI. To grow, we need both full-time and part-time agents. Good agents are the lifeblood of any association, and WPA is a strong and growing association that has much to offer our members and the agents who write for us. If you are interested in an opportunity to grow with us, then contact Barbi Tew at , ext.120, or Jeff DeSantes at ext.134. Thank you. Illustration: Robertds/Dreamstime.Com William Penn Life º January 2013 º 5 Tibor s Take with Tibor Check, Jr. Resolutions IN THE STILL and silent halls of the law library, I often allow myself a few minutes to let my mind wander from the dry work that occupies much of my day. My thoughts do not wander far, as above my head, memorialized for all time in large bronze tablets, are passages from the great laws of history. Sumerian cuneiform preserves the Code of Hammurabi. Ancient Greek brings forth the Laws of Solon. Regal Latin performs its intricate grammatical dance to form the Twelve Tables of Roman Law. The foreign and long-forgotten language of the Iroquois ushers their laws into the 21st Century. Then, finally, familiar English reminds us of the power of the law with Plessy v. Ferguson and its more enlightened cousin, Brown v. Board of Education. It is no surprise my thoughts are unable to do more than contemplate the great deeds of great people. Entranced and intoxicated by the sheer weight of history, my thoughts wonder instead of wander. Then, some interruption returns me to the bare reality of studying for commercial law. Yet, what does any of this have to do with Tibor s Take? I suspect that I am at that point in my life when a young man decides what he will do with his future. At times, I have a solid, unflinching vision of my destiny; at other times, like now, I can barely do anything besides wax poetic about what may be. A good place to start, I suppose, would be with a list of things to be accomplished in the coming year. Acknowledging that this year may very well determine if my destiny will be shared with the destiny of the American-Hungarian community, I offer you a list of what I resolve to do with Tibor s Take during the coming year and some topics I wish to explore in this space. 1. Bring a new perspective to Tibor s Take. 2. Highlight the past with the musical memory of the Kara-Nemeth orchestra. 3. Make sacrifice mean something: Give young people something to fight for, and they will. 4. Wear your heart on your sleeve, Part 1: Determining what drives the brains behind Magyar Marketing. 5. Wear your heart on your sleeve, Part 2: exploring new possibilities with New York Pince. 6. Hungarian-Americans in the 21st Century: What are the long-term plans of the Hungarian-American Coalition? 7. The crown jewel of Hungarian gathering places: The 75th anniversary of the Hungarian Cultural Garden of Cleveland, hio. 8. You can always go home again: Finding and reaching out to my Hungarian family. 9. Hungarian sweet tooth: Farkas Bakery and its role in the wider Hungarian community. 10. The Hungarian Cultural Museum of Cleveland, hio: How history and culture are maintained inside Cleveland s Galleria. 11. Your Hungarian neighborhood is alive and well on the Internet. In this coming year, I want to take a completely new outlook on my ethnic existence. I want to focus on what is right with our community instead of what is wrong. I am tired of buying into the false mythology of decline, decay and death that has possessed some individuals and organizations like a specter from the crypt of forgotten history. I want to show everyone--especially the youngest among us--that you can have your cake and eat it too; that Hungarian culture can be enjoyed and celebrated without losing or sacrificing any vital parts of your person. 6 º January 2013 º William Penn Life Tibor s Take Did you know they re Hungarian? I want to ensure that Tibor s Take is not remembered as the last will and testament of the Magyars of Middle America. Instead, I want my column to be drowned out and surpassed by the future deeds of my family and of members of our Hungarian communities everywhere. I want this year to be only the first step in ushering in a new age of understanding and culture. I want the spirit of our community to be like a star ascendant. It can be so, and I encourage you all to make a resolution to make this year step one in a long journey of reawakening and revival. Éljen a Magyar! Tibor II Tibor Check Jr. is a member of Branch 28 Youngstown, hio, and a student at the Cleveland-Marshall College of Law. He serves as a host of the Souvenirs of Hungary weekly radio show broadcast on WKTL-90.7 FM in Struthers, hio. Let s hear your take Let me know how you enjoy my thoughts and views on growing up Hungarian Style. If you have any questions or comments about me or my column, please me at: or drop me a letter in care of the William Penn Association, 709 Brighton Road, Pittsburgh, PA Recently, while doing research on the internet, I came across an article about the Magnificent Eleven, the famous series of 11 photographs taken on maha Beach during the D-Day invasion. There were many more photos taken of the American side of the assault, but a series of mistakes and mishaps pared the original number of 106 photographs down to the 11. Those remaining pictures set the bar of artistic quality for future war photojournalists to follow. As I scrolled through the gruesome portrayal of human suffering and death, I learned that the person responsible for those photos was a Hungarian. Endre Friedman was born on ct. 22, 1913, in Budapest. His parents were tailors, but he wanted to be a writer. At age 18 he left Hungary because he saw very little opportunity to better himself. While traveling throughout Europe, he acquired training in photography. As a young man he became affiliated with many artisans and students that were from the Marxist side of the political ledger. Work for photographers was hard to come by. He realized that his name may be a hindrance to his professional advancement. About that same time he saw that the land of opportunity, America, was the place to immigrate to. He changed his name to Robert Capa. Cápa, Friedman s nickname in school, means shark in Hu
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