GroWinG ConCerns

Wfm
WINTER
2008
Woodmen of the World Fraternal Magazine
Healthy Eating Habits
Photo by Freda Mc Farlane
Balancing Extracurricular
Activities
Growing Concerns:
Are you planning for retirement?
How Much Have You Saved?
Our parents taught us the value of saving. But, somewhere along life’s path, many of us cashed in our piggy
banks. If you’re staring down retirement, it’s not too late to go into it with change in your pocket.
At Woodmen of the World, we’re with you through LIFE. That includes retirement. Contact your local
Representative today to find out how our annuities can help you put money back into your piggy bank.
Woodmen of the World Life Insurance Society
Home Office: Omaha, Nebraska
1-800-225-3108
www.woodmen.org
An Equal Opportunity Organization
A448 12/07
President’s Messag e
DISCOVER THE POWER IN PARTNERSHIPS
W
hen we stand on the shoulders of others,
we can see farther. I’m paraphrasing a
quote from Robert Burton, an English
scholar who lived in the 1600s. Four hundred years
later, the sentiment remains true – that together, we
can accomplish more than we can separately.
Sometimes we stand on the shoulders of others and
serve as the eyes to the future. Other times, we are
the person that others stand upon. We provide the
support and stable foundation while others have the
vision and direction.
The important part is that we work with others
in our towns – government officials, leaders,
volunteers – who share the same passion for service
and community improvement. This year, I want
to challenge each of you to partner with other
organizations when planning your fraternal projects
with your lodge.
Exciting things happen when teams are formed to
accomplish a common goal. Friendships are formed.
Relationships are built. And Woodmen of the World
gets its name out in the community.
Many lodges have already discovered the power of
partnering with others – there are many examples of
the positive impact these teams have made in their
communities. I would like to share two of them.
For Join Hands Day this past year, Lodge 252 in
Flint, MI, partnered with the senior class of Davidson
Alternative High School and together, they planted
shrubs and flowers around the school. It can be that
simple. Your lodge can provide the funding and
some of the volunteers for a landscaping project
around a school, and the students can provide the
rest of the labor. People are naturally going to take
more ownership in a project if they are involved
from the beginning, and if it affects something in
their daily life.
For their Make A Difference Day project, several
lodges in North Carolina participated in a Turkey
Trot designed to raise money to fight childhood
obesity and help needy families in the area over
the holidays. Lodges 1353 in Ft. Barnwell; 989 in
LaGrange; 499 in Pleasant Hill; 567 in Shelmerdine;
218 in Greenville; 1403 in Walstonburg; and 1319 in
Goldboro each sponsored a runner, and members
donated their time to help prepare gift bags and
register the participants. We don’t have to re-invent
the wheel – help out another organization’s project
and in most cases, the favor will be returned.
Standing on the shoulders of others can not only
help us see farther, it can help us accomplish so much
more and significantly help scores of people.
Sincerely,
James L. Mounce
President and CEO
Wfm
this issue:
WINTER
2008
10
f eat u res
Farming for their Future
Between farming Christmas trees and vegetables,
a young Georgia couple finds time to prepare for
their future. Their story proves you’re never too
young to get ready for retirement. Page 6
Roll … Bounce
Not just for tots and teens, roller rinks upgrade
from their disco days to skating centers with good
food, big screen TVs and wireless internet
service. Page 30
President’s Message Unhealthy Habits
Newsworthy Our fast food lifestyle is killing Americans at
Community Connection Page 3
Pages 5, 9, 44
Page 14
an alarming rate. Find out how you can avoid
becoming a statistic. Page 40
Member News Fraternal Spirit Senior Camp 24
Pages 16, 38, 45
Pages 18, 20, 34, 36, 46
Page 22
26
Our Mission
Woodmen of the World exists to benefit our members through
every stage of life.
We provide valued financial solutions.
We engage members in volunteer community service.
We enrich the lives of our members.
Woodmen of the World Life Insurance Society and/or Omaha
Woodmen Life Insurance Society, founded in 1890, is a fraternal
benefit organization offering insurance protection with member
benefits.
on the cover:
Our 800,000 members, who hold nearly one million insurance and
annuity certificates, belong to 2,000 lodges throughout the United
States. Lodges conduct fraternal projects of benefit to people and
their communities. These projects include presenting U.S. flags to
civic and community organizations; donating equipment to police, fire
and rescue units; providing assistance to senior citizens, the physically
impaired and orphans; and providing assistance through our disaster
relief program with the American Red Cross.
Members Clint and Ann
James relax in front of
Christmas trees on their
property in northern
Georgia. Farming seldom
allows the Jameses a day
off, and in the same way,
they know that their plan
for the future should
never take a holiday. Even
though they’re both a long
time from retirement, they’ve
taken steps to prepare.
Life and health insurance and annuity products are issued by
Woodmen of the World Life Insurance Society and/or Omaha
Woodmen Life Insurance Society (Woodmen of the World), a
Nebraska corporation that is licensed as Woodmen of the World Life
Insurance Society in all states and the District of Columbia, except
CA, CO, ID, MT, NV, OR, UT, WA and WY. In those states, Woodmen
of the World is licensed as Omaha Woodmen Life Insurance Society.
Not all products are available in all states. Not all Woodmen of the
World Representatives are licensed to sell all products offered through
Woodmen of the World and its subsidiaries.
Member Spotlight Page 23
Money Talk Page 33
Chef’s Corner Page 43
Fun Zone Page 48
In Memoriam Page 50
* Securities are offered and processed through Woodmen Financial
Services, Inc., 1700 Farnam St., Omaha, NE 68102, 877-664-3332,
member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the
World. Securities other than the Woodmen Variable Annuity product
are issued by companies that are not affiliated with Woodmen of
the World.
** Products that are not issued by Woodmen of the World or offered
and processed through Woodmen Financial Services, Inc., may be
offered through Woodmen Insurance Agency, Inc., a wholly owned
subsidiary of Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society. These products are issued
by carriers that are not affiliated with Woodmen of the World.
credits:
Directors
James L. Mounce,
Chairman, President and CEO, Omaha, NE
James W. Bridges Jr.,
Executive Vice President, Fraternal, Omaha, NE
Danny E. Cummins,
Executive Vice President, Operations and Secretary, Omaha, NE
Mark D. Theisen,
Executive Vice President, Finance and Treasurer, Omaha, NE
William C. Owen, Tallahassee, FL
Thomas T. Gallion III, Montgomery, AL
Betty H. Brown, Shelbyville, TN
Daniel W. Rice III, Kinston, NC
Lucia G. Taylor-McCoy, Elkview, WV
Stephen W. Mellor, Memphis, TN
M. Lane Harvey, Mt. Vernon, IL
Dr. James W. Bosler III, Louisville, KY
Dr. James W. Shaver, Landis, NC
R.B. Moore, Lynchburg,VA
Winter 2008 VOL. 118, NO. 1
Magazine Staff
Managing Editor: Billie Jo Foust
Content Editor: Andy Oerman
Design Editor: Joe Bavaresco
Writers: Nicole Schmoll, Angie Schendt, Heather Bockert
Designers: Jeri Martinez, Bret St.Amour
Contributors: Rosanne Bachman, Kathy Cardwell,
Sara Schmidt, Angel Stottle
Marketing & Public Relations
Team Vice President: Steve Haack
If you have questions, comments, or suggestions for
articles, please direct them to [email protected].
Magazine printed on recycled, recyclable paper.
woodmen.org
e-mail us at: [email protected]
Wfm (ISSN 1069-1790) is published quarterly for $2.00 per
year by Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society, 1700 Farnam St.,
Omaha, NE 68102.
Periodicals postage paid at Omaha, NE, and additional
mailing offices. Postmaster: Send address changes to Wfm,
c/o Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society, 1700 Farnam St.,
Omaha, NE 68102.
EQUAL ACCESS POLICY
Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society is an Equal Access
fratrenal benefit organization. It is the policy of Woodmen of
the World to seek qualified members on a nondiscriminatory
basis and to provide all members with equal access to and
allow their participation in the organization’s lodge system,
lodge events, fraternal benefits and all other fraternal
activities on a nondiscriminatory basis.
WITH YOU THROUGH LIFE
Growing Concerns
No one shares the exact
same plan for retirement.
Dreams are as unique as the
individual who has them.
But all workers – from
farmers in blue jeans to
managers in suit coats –
have one important thing in
common: it’s never too soon
to prepare.
Passion that runs deep
C
Clint and Ann talk with their Woodmen of the World
Field Representative, Emma Chastain, FICF, in their home.
Their farm is a year-round affair. “We grow cabbage,
tomatoes, green beans, sweet corn, potatoes, winter
and summer squash, peppers and eggplants,” Clint
says. “And Halloween pumpkins.” They sell their
produce at a roadside stand, with help from his father
and sister and a couple of long-time employees.
it’s important for individuals to plant the seeds for
tomorrow. An Individual Retirement Annuity from
Woodmen of the World offers a way for members
to take control of their financial futures today, and
possibly gain some attractive tax benefits, too.
The exact times of year that different vegetables
flourish vary by the type. But around the time their
growing seasons are over, the Jameses start cutting
Christmas trees for customers who visit their farm
in the hopes of finding the perfect full, green tree
under which to place their holiday gifts.
Clint works seven days a week, often until midnight
during the summers, and only slightly shorter hours
during the winter. Ann, besides helping out on the
farm, works as an x-ray technician and is going back
to school. Even with all the things keeping them
busy at present, they still know the value of planning
for the future. The growth of vegetables and trees
is not their sole concern; they’re thinking ahead to
retirement.
Planting seeds
Photo by Freda Mc Farlane
Many people do not have employer-sponsored
retirement plans, and many express concern about
the long-term future of Social Security benefits. So
Photo by Freda Mc Farlane
lint and Ann James are all about roots.
They’re a young married couple in their
mid-20s who are part of a tightly knit
family. They’ve lived in the same mountainous part
of Georgia, near the North Carolina border and the
headwaters of the Little Tennessee River, for their
entire lives. And they make their home on a farm
that grows vegetables and Christmas trees.
Clint and Ann purchased Roth IRA Annuities to
help fund their financial futures. “We bought them
for retirement,” he says. “Because we farmers have to
make our own.”
“We bought (Roth IRA
Annuities) for retirement.
Because we farmers have to
make our own.”
Woodmen of the World Field Representative Emma
Chastain has known the Jameses for years. Clint
says he’s been a member since he bought his own
insurance at age 18; Ann has been a member since
they got married five years ago. “They’re a levelheaded, business-minded young couple,” she says.
“Everyone around here thinks the world of them.”
As she does with everyone she serves, Chastain sat
down with them, discussed their goals and determined
their needs before selling anything. “Retirement is a
Photo by Freda Mc Farlane
Individual Retirement Annuities
Individual Retirement Annuities can provide a
stable vehicle for those looking ahead. Roth IRA
Annuities were a good solution in the James’ case,
but Woodmen of the World also offers Traditional
IRA Annuities for individuals. Generally, Individual
Retirement Annuities offer the following benefits,
within contractual limitations and IRS guidelines1:
y A systematic way to save for retirement.
Both farming and planning for one’s financial future
require the proper equipment.
Typically, Traditional IRA Annuities offer:
y Income tax-deductible contributions; and
y Tax-deferred interest earnings.
Roth IRA Annuities typically offer:
y Income tax-free interest earnings.
For Traditional and Roth IRA Annuities, the
maximum contribution limit for tax year 2007
is $4,000 and must be made by April 15, 2008. A
catch-up contribution of $1,000 may be made if the
participant is age 50 or older by December 31, 2007.
A Bountiful Harvest
In the spare time that they do manage to find,
Clint and Ann like to fish, take day trips to nearby
Savannah, spend time with friends, or sometimes,
because they’re often on their feet all day, just stay
at home together.
Not everyone imagines their retirement the same
way; some don’t really imagine it at all. When asked
about his dream for retirement, Clint responds, “I
don’t have one. I want to farm as long as I can.” He
goes on to say, “I’m not one to think of pulling up
roots and moving to the Keys. I like it here.”
Wfm W INTER
2008
Since 1890, Woodmen of the World has been helping
people and their families fulfill their financial goals.
“Woodmen of the World is
my safety net.”
“My land and what I accrue in my life (are) number
one. But if I get old or sick, I have (products with)
Woodmen of the World to catch me when I fall.
Woodmen of the World is my safety net,” Clint says.
Contact your Woodmen of the World Representative
today for a free needs analysis, and to find out if an
Individual Retirement Annuity is right for you.
He or she can provide information about different
Individual Retirement Annuities, their respective
contribution limits and the tax advantages each
can provide. For more information about the tax
benefits of Individual Retirement Annuities, consult
your professional tax advisor. zx
Tax consequences may vary by state. Contact your
professional tax advisor for details. Early withdrawals before
age 59½ may be subject to ordinary income tax and a 10
percent premature distribution penalty. Surrender charges
may apply.
1.
Ne ws worthy
Moore Elected to Board of Directors
R
.B. Moore of Lynchburg,
VA, has been elected to
the Board of Directors for
Woodmen of the World. His
election was effective November
1, 2007. An active member
and Past President of Lodge
71 in Appomattox, Moore has
also served on the National
Legislative
and
Judiciary
Committees and is a Past President of the Virginia
Jurisdiction.
R.B. MOORE
Moore is a commensurate fraternalist. In addition
to serving as a member of the Board of Directors
of the Southwest Virginia Woodmen of the World
Fraternal Program, he has been Vice President of the
Virginia Fraternal Congress, was selected as Virginia’s
Fraternalist of the Year in 1985 and is a three-time
recipient of the Mr. Woodman Award (Fraternal
Spirit Award). He has also served as a delegate to
the Woodmen of the World National Convention in
1969, 2001 and 2005.
A passion for fraternalism is not all that Moore
brings to the Board; he also offers insight from his 42
years of faithful service to the Virginia Department
of Transportation. As Assistant District Traffic
Engineer, Moore oversees financial management,
project development and implementation, and
customer satisfaction for the 10-county Lynchburg
District. He will also lend knowledge from his service
on several governmental committees, including the
Central Virginia Transportation Safety Board. zx
Standing in the Shadow of a Legend
W
hat do we do when a legend
moves on? Boxing found new
stars to pick up where Muhammad
Ali left off. Late night talk called on
Jay Leno after Johnny Carson called
it quits. Woodmen of the World
promoted Joe Walters to carry on
Larry Riggs’ legacy of success as State
Manager of North Carolina.
LARRY RIGGS AND JOE WALTERS
Larry’s Legacy
For nearly as long as memory serves,
Riggs has led North Carolina East to a yearly finish as
one of the top marketing areas in the nation for sales.
Although he has served as State Manager of North
Carolina East since March 1996, he began his career
as a Field Representative in Newport, NC, in June
1972. Three years later, he was promoted to Area
Manager, and in 1986, his performance garnered him
a promotion to State Manager of Arkansas.
Riggs leaves a legacy of success in sales that many
would be hard pressed to match. Since his retirement
on January 1, he has been spending time with his
family and looks forward to hunting,
fishing and traveling in his spare time.
Walters Named New State Manager
of North Carolina East
Joe Walters brings years of proven
performance and top results with him
to his new position as State Manager
of North Carolina East. A Woodmen
of the World member and Field
Representative since 1979, Walters
has been Top Hat Area Manager eight
times, in addition to being named Outstanding Field
Representative and Area Manager of the year.
Walters is not only a top producer but is also
fraternally active. A member of Lodges 208 and
865 in Bladenboro and Elizabethtown, NC, Walters
has also served as President of the North Carolina
Fraternal Congress.
While a legend can never truly be replaced, in this
case he is being followed by someone equally and
uniquely successful. zx
Today’s Family
The
Balancing
Act:
Extracurricular Activities and
the Family
by Carolyn Maille-Petersen
President James Mounce display
her award.
I
f you have children who
are involved in any sort of
extracurricular activities, at
some point you have most likely
wondered if your kids are doing
too much. On the other hand,
if you are the parent of a child
who doesn’t have much interest
in extracurricular activities, you’ve
probably wondered if you
shouldn’t push him or her to get
involved in some way.
But no matter which way the
pendulum swings in your family, we
all know that there’s such a thing as
too much or too little activity, and
finding the balance is tricky.
Angela Tompsett, a Senior
Financial and Tax Accountant and
Home Office associate in Omaha,
knows all too well about finding
balance. She is the mother of five
children ages 5-18. She’s done
her share of driving her kids to
and from various activities, but
she believes it’s worth it. “It’s
more hectic when your kids are
involved in activities, but it’s good
to let them try different things,”
she says. Her philosophy is
simple: “How do you know what
possibilities lie ahead of you if you
don’t try something?” She likes it
when her kids are keeping busy
because she feels that it not only
helps them develop skills, but it
also keeps them out of trouble.
“Every kid is different, even kids
born on the same day who look
alike (referring to her twin 17-yearolds, Max and Alex).”
“Kids have different temperaments,” says Judith Myers-Walls,
Associate Professor and Extension
Specialist at Purdue University in
Indiana. “Some kids need to be
busy and you need to help them
understand what is too busy.
Some kids like putting their feet
up and relaxing, and you need to
push them a little.”
The amount of activity is going
to vary not only by the child’s
temperament, but also by age, in
most cases. “Young children need
lots of different experiences,” says
Myers-Walls. “They don’t need
lessons. They need to play, to
interact with other children; they
need richness of environment.”
They’ll want to start joining
extracurricular activities when they
get to be school age. In general,
the ages of 6-12 are the “joining”
ages, says Myers-Walls.
Of course, this isn’t to say that
parents shouldn’t enroll their
younger children in activities.
Activities for the pre-kindergarten
set that also involve the adults in
their lives can be a good thing
because “some parents are so
busy that they need something
scheduled to spend time with their
kids,” says Myers-Walls. It also
allows parents to talk with other
parents, and to learn different ways
to interact with their child, as well
as giving children the opportunity
to play with other kids and learn
social skills.
But she is quick to point out that
each child’s tolerance for activities
will vary, as will their interests.
11
Reading Your Child’s Cues
That being said, it is important to
learn to read our children’s cues, no
matter their age, says H. Wallace
Goddard, a Professor and Family
Life Specialist at the University of
Arkansas Cooperative Extension in
Little Rock. “It ultimately requires
us to pay attention,” he says. If a
child is involved in extracurricular
activities, parents need to read
their child’s behavior and level
of ‘peacefulness.’ “Is the child
flourishing and are the family’s
objectives being met?” he asks.
If a child is able to keep up with
schoolwork and friends and still
has ‘down time,’ then he or she
is probably fine. If, however, (the
child) seems stressed, has a hard
time getting to sleep or is worrying
about getting things done, then
it is probably time to rethink the
extracurricular activities, says
Goddard. Additionally, “if a
family’s needs are consistently
getting crowded out, then it might
be time to rethink the amount of
activity,” he says.
“Is the child
flourishing and
are the family’s
objectives being
met?
Another clue is whining and
complaining about attending
an activity. This requires some
deciphering before deciding how
to proceed, says Karen DeBord,
12
Wfm W INTER
2008
Professor and Extension Specialist
in Child Development at North
Carolina State University in
Raleigh. If a child is complaining
about getting ready to go to an
activity, DeBord suggests finding
out what it is about the situation
that the child dislikes: is it putting
on the required equipment (some
sports require a lot of gear)? Is it
that the child is having problems
switching from one activity to
another? Does the activity happen
so soon after school that the child
has no time to relax and transition?
Or is it that the child truly dislikes
the activity? If so, then it might be
time to “just say no.”
Just Say No
And knowing when to say no to
activities is just as important as
knowing when to say yes, says
Myers-Walls. She tells parents to
reward children for saying no to
activities sometimes. “Don’t just
reward them for doing more – you
don’t want them to feel like their
worth is based on how much they’re
doing,” she says.
Basing your
sense of worth on how much you’re
doing is a typical adult mindset, she
says, and it’s not good for adults or
children. Tompsett adheres to this
advice. When it felt like the activity
level was getting too overwhelming,
she says, “I did what Nancy Reagan
did: I just said no.” And though she
let her children try new things, she
also encouraged them to sign up
for the same activities so that there
was less running from one place
to another. The added benefit is
that this allowed them to practice
together at home and promoted
teamwork.
Of course, parents know that it’s
not always easy to “just say no.”
Deciding when to sign up for an
activity and when not to sign up
requires some thought on the
part of both parents and children.
“Before you decide to enroll your
child, meet as a family,” says
DeBord. “Talk about how this
will fit into the family routine, talk
about what the child (thinks he or
she) will gain from it (and) what
you think the child will gain from
it.” Parents should also find out
how involved they will need to
be, she says. Does it require the
parent to attend every meeting?
Participate in fund-raising? Are
events for the entire family or
just for the participating child?
Parents should also consider how
the activity benefits the child,
such as improving cognitive skills
by learning music, or learning
focus by taking tae kwon do.
Though not every activity needs
to benefit the child in these ways,
it is definitely something to take
into consideration when making a
decision, especially if this isn’t the
only activity in which a child is or
will be participating.
Parenting the Active Teen
For teens, the approach is a little
different. It’s probably not a good
idea to dictate what they will and
won’t participate in, says MyersWalls. “A good role for the parents
“What are your family’s values? Is it
spending time with each other or is it
rushing around building skills? If you can
find balance and you want both, you need
to find a way to parcel it out.”
to take is kind of as an observer to
reflect on what they see.” Parents
might point out that they see their
son or daughter looking stressed,
not eating well or getting enough
sleep, and then suggest looking at
the teen’s schedule to see how to
improve the situation. And though
you don’t want to give ultimatums,
“you might need to be a little
pushy,” she says, to ensure that
they do get the healthy meals
and sleep they need. “Make sure
you’re supporting their activities
so they don’t feel like they need
to do more activities in order to
get your attention.”
DeBord contends that as a society,
Americans tend to rush around
and increase the pace. To keep the
pace from overwhelming children
and families, parents need to ask
these questions of themselves,
says DeBord: “What are your
family’s values? Is it spending time
with each other or is it rushing
around building skills? If you can
find balance and you want both,
you need to find a way to parcel
it out.”
Extracurricular activities are great
when the child is engaged and
learning a skill, but when the
number of activities leaves little
or no time to relax and hang out
as a family, it’s probably time to
take a step back and reassess.
Learning how to sit still, relax
and entertain oneself without the
aid of a structured activity is an
important skill, as well, according
to experts. Ensuring a healthy
balance between scheduled and
unscheduled time is critical not
only for the health and well-being
of the family as a whole, but also
for each individual as well. So kick
back, relax and spend some time
with your family. zx
Carolyn Maille-Petersen is a freelance
writer in Champaign, Il.
13
C ommu n i ty C o n n ec t ion
JOIN HANDS DAY
Closes Generation Gap
T
he first national fraternal event of the year,
Join Hands Day, connects the people who
are “wise beyond their years” to those who
are “young at heart.”
But age is meaningless at a Join Hands Day project
– all volunteers are treated equally.
“The whole idea behind Join Hands Day is to
get young people involved in community service
projects from the very beginning, so they are fully
engaged in the project. They are able to learn
leadership skills, like putting together a timeline,
delegating tasks to others, recruiting volunteers
and initiating partnerships in the community,” said
Assistant Vice President John Manna, National
Fraternal Activities Manager.
14
Wfm W INTER
2008
North Carolina East Fraternal Coordinator Eric
Pilson agreed with Manna that partnering with
other organizations is crucial. “Once lodges form
a relationship with another organization, it really
opens doors to what they can do together to improve
their community. And it increases exposure for
Woodmen of the World,” Pilson said.
Combining these two philosophies – volunteering
with people of all ages and partnering with outside
organizations – can lead to meaningful Join
Hands Day projects that make a lasting impact on
communities everywhere.
Becky Arrington, Secretary of Lodge 60 in
Fayetteville, NC, planned a project last year with one
of the elementary schools in her town’s more needy
A group of school children from
Florence, MS, and members from
Lodge 1450 partnered to collect
colorful cartoon bandages for sick
kids at Blair E. Bastin Children’s
Hospital in Jackson. The lodge also
donated toys, games and books for
the hospital’s three activity rooms.
Members of Lodge 827 in Murray, KY,
partnered with the Angels Community
Clinic and landscaped the entrance to
the building on Join Hands Day.
areas. Her initial idea was to help out with a backpack
program she had heard about, but when she called
the school, the administrators said they needed more
help with the school’s student-run bookstore.
“I’ve talked about this project to so many different
people. Kids need to learn how to think like
entrepreneurs, and anytime you put a book in a
child’s hands, you can’t go wrong,” she said.
“One teacher started the bookstore, and students can
buy supplies like pencils and paper, and they can buy
books for $2 a piece. They can also earn books by
doing good deeds,” Arrington said.
Lodge 172 in Sylvester, GA, partnered with an area
nursing home and gave a long-stem rose to every
female resident.
Her lodge donated money to stock the bookstore, and
she made cards for the teachers to give to students
who are good for one free book, compliments of
Woodmen of the World.
“We ordered five or six dozen roses, and gave
every single one out that day. It was very fulfilling
– it brightened their day and I could tell we really
touched their lives. Some of them were brought to
tears,” said Field Representative Kenny Griffin.
Omie Lee Hutchinson, President of Lodge 172,
said she and her fellow members often visit nursing
homes. They bought poinsettias for members in
nursing homes over the holidays. She and her
husband will often call a nursing home to ask for a
resident who doesn’t often receive visitors, and then
visit that resident once a week for a month or so.
Bookworms in Sylacauga, AL, can see the books at the
B.B. Comer Memorial Library more clearly now that
members of Lodge 1137 washed the windows for their
Join Hands Day project.
“There are plenty of good projects out there; you
just have to look around in the community and what
the needs are, and what your lodge members like to
do,” she said. “We enjoy it, and it keeps the Woodmen
of the World name in front of people. I know how
good we are, and I want everyone to know how good
we are.” zx
15
M e mb e r N e w s
Looking Out For You
N
ational Fraternal Committee members love to
serve. They also love Woodmen of the World,
which means they get extreme satisfaction from
serving you.
They are everyday volunteers who enjoy serving
as lodge officers so much that they continued on to
hold positions at the Jurisdictional level. Committee
members suggest new fraternal projects, review
current activities and encourage local lodges to think
of innovative ways to involve members. Each new
Committee member holds the respect of their peers,
as well as the position of Jurisdictional Junior Past
President for their states. New Committee members
will serve until September 1, 2009.
New National Fraternal Committee Members
Joe Thomas
Alabama
David Gayles
David Grist
Arkansas
Georgia
S
ervice on the National Fraternal Committee is a
two-year commitment. The following individuals,
will continue to serve until September 1, 2008:
Florida
David Overstreet
Illinois
Wilma Jean Smith
Ruth Cherry
James Day
North Carolina
Nebraska
Maryland
Mississippi
Betty Tindall
South Carolina
Outgoing Committee Members
Other Committee members
Vivian Holley
Calista Sommerkamp Deborah Sumerall
Kentucky
Harriet Irwin
O
ur thanks go to the following Committee
members whose terms expired September
1, 2007: Jettie Everette, Alabama; Ronald Moon,
Arkansas; Gary Hall, California; Bettie “Ann” Spann,
Kentucky; Mary Darting, Missouri; and Marijo
Cooper, South Carolina. zx
Tennessee
Williams Receives Accolades From NFCA
shining example of what it means to
be a fraternalist,” said NFCA Chair of
the Board Katharine E. Rounthwaite.
“We are pleased to honor Kimberly
for selflessly giving her time to serve
her community in so many ways.”
A
lready recognized as the
East North Carolina and the
organization’s National Fraternalist
of the Year, Kimberly Williams put
Woodmen of the World in the limelight
when she was named second runner-up
for the National Fraternal Congress of
America’s 2007 Fraternalist of the Year
Award.
A member of Lodge 449 in Merritt, NC, Williams was
honored from among 10 million NFCA members for her
outstanding volunteer efforts. “Kimberly Williams is a
16
Wfm W INTER
2008
Williams was instrumental in
recruiting 86 new members to join
her lodge, and helped plan numerous
activities for her lodge’s more than 1,000 members.
Whether it was putting on a pool party or organizing a
Join Hands Day activity, Williams showed her love for
friends and family through her tireless volunteer efforts. zx
President James Mounce and
Kimberly Williams display her awards.
Remarkable Creativity
A SAFER Way to Sail
D
on’t let the name fool you – SAFER (Service
Association of Fraternal Employees, Retired)
members may be retired but that doesn’t mean they lack
a sense of adventure. The group’s name may sound
strange to those not familiar with it, but their motivation
couldn’t be more common. They are a group of friends
who share a common bond – Woodmen of the World
and traveling together.
This year’s journey, a four-day cruise to Key West and the
Bahamas, began in Jacksonville, FL, on September 8.
Other SAFER Safaris
S
haron Warga expends her energy devising
innovative ideas for Woodmen of the World
members. You’ve probably benefited from at least one
of them without even realizing it. Warga is responsible
for the “Project-in-a-Box” format in which many new
Fraternal activities come to you. Warga was recently
recognized by the National Fraternal Congress of
America (NFCA) for something we’ve known all
along – she is not only a creative worker, but a great
communicator.
Warga, Project Coordintor for Woodmen of the
World, received the 2007 Marcia D. Heywood
Memorial Fraternal Communications Award from
the Communications Section of the NFCA. The
award honors an outstanding communicator for
contributions to the field of communications and the
advancement of the fraternal benefit system.
A 26-year veteran of the Home Office, Warga is Editor
of Lodge Leader magazine, has served as President
of Lodge 704 in Bellevue, NE, Past President of the
Fraternal Section of the NFCA, and Past President of
the Nebraska Fraternal Congress. zx
While they may not have made an actual safari yet, the
group has traversed both land and sea, as a 2004 trek to
the Woodmen of the World Home Office makes clear.
Wherever they go, they enjoy their time together. Any
SAFER member will tell you that traveling with friends
is fun. And they should know since they’ve been doing it
for 16 years. The group’s inaugural trip was to Charleston,
SC in 1991.
“It’s really nice being together with each other and having
meals together since we see one another once a year,” said
Milton Orville Anderson, group President.
Anderson was employed as a Field Representative
and later, as an Area Manager in South Carolina and is
currently a part-time Field Representative. He is active
in three lodges: 152 in Darlington; 52 in Florence; and
1112 in Hartsville, AL. Anderson was a member of the
President’s Club and Cabinet during his time as a fulltime Field associate.
Anderson may be the president, but he is not the only
fraternally active SAFER member. Retired Field
Representative Harley Keener is so active in Lodge 885 in
Dillard, GA, that it was recently renamed Harley Keener
Lodge in his honor. “After 35 years with Woodmen of
the World, I hated not to keep involved,” said Keener. “I
discovered it by accident a few years after I retired. My
wife, Jean, and I have been going ever since.” zx
17
f r at e r n al s p i r i t
North Carolina
Members Victoria
Williams (left) and
Daisy Bass (right)
pose for a picture
during Merritt Youth
Lodge 1345 outing
at the North Carolina
Aquarium in Pine
Knoll Shores.
Florida
Members of Perry
Lodge 460 presented a
U.S. flag and flagpole to
Hays Christian Center.
Georgia
Kentucky
A
carnival was held at the Bluegrass
Woodmen Youth Camp, with Kentucky
East lodges sponsoring the event. Grace
Combs of Richmond Lodge 895 is shown enjoying
a mule-led carriage ride. The rides, sponsored by
Hodgenville Lodge 974, were made possible by
Lodge President Mike Shields’ mules ”Jim and
Joe.” In addition to the carriage rides, youngsters
enjoyed volleyball and great food.
18
Wfm W INTER
2008
Macon Lodge 6023
presented hand
sanitizers and BandAids™ to the Red Cross
Donor Center. Pictured,
from left to right, are
Area Manager Jason
Shearer, FICF, Lorie Frost
of the Red Cross, Lodge
President Karen Farmer,
and Georgia Central
Fraternal Coordinator
William Bailey.
Georgia
Pennsylvania
Americus Lodge 202
presents a $1,000 check
to the local Panther
Sports Program for new
uniforms and supplies.
Butler Lodge 8 President
Jerry Sepich (left)
presents a U.S. flag to
Girl Scout Junior Troop
559 and Senior Troop
862.
South Carolina
Ohio
West Columbia Youth
Lodge 273 members
Kendall and Mack
Shealy enjoy the maze
at the annual Family Fun
Night. Kendall and Mack
are the grandchildren
of Retired Board of
Director Carroll Shealy.
Cleveland Lodge
6099 member Mildred
Mlinarik presents a U.S.
flag to Boy Scout Troop
595.
Alabama
Alabama
Field Representative
Johnny Miller, FICF (left),
and Area Manager Leo
Davidovich, FICF (right),
present a U.S. flag to
the Child Development
Center on behalf of Fort
Payne Lodge 436.
Alabama North Fraternal
Coordinator Philip
Robertson presents a
U.S. flag and etiquette
program to the local Boy
Scout Troop on behalf of
Decatur Lodge 1855.
West Virginia
Georgia
Field Representative
Neoma Spratt, FICF
(far right), presents
a U.S. flag to the
Adrian Volunteer Fire
Department on behalf of
Elkers Lodge 6065.
Valdosta Lodge 6018
members donated
supplies to the students
of Lowndes Middle
School.
19
West Virginia
Paden City Lodges 332
and 335 presented a
U.S. flag to Core Field
in Sistersville.
Arkansas
J
.R. Grubb, a member of Hamburg Lodge 7,
caught the $30,000 winning prize in the FLW
Wal-Mart Open on Beaver Lake. Grubb’s
five bass weighed in at 11 lbs., 13 ozs. for the top
money prize and a trophy.
South Carolina
After two days of fishing, Grubb made the top
10 to compete for the win. Remembering last
year’s event, when he lost a fish he had hooked,
he persevered. And it was worth it.
Grubb, owner of a 135-acre catfish farm, hopes
to turn pro in the near future.
20
Wfm W INTER
2008
Ann Addy (right) of
Lexington Lodge 1276
made a presentation
of supplies to Jenifer
Sharpe for Lexington
County Community
Mental Health facility.
Georgia
Georgia
Ringgold High School
Coach David Gibson
(right) receives a $400
check from Dalton
Lodge 24 Treasurer Mike
Gibson. The money will
support the school’s
weight-lifting program.
A donation is made by
Americus Lodge 202 to
the Glendale Garden
Club to help restore two
local parks damaged by
a tornado.
Texas
North Carolina
Six-year-old Freddie
John Wieder III, a
member of youth
Lodge 4600, Alvin, plays
first base for Groves
American All Star Team.
Also pictured is the
youngster’s father.
A set of flags is
presented to Faith
Community Church in
Asheboro by Lodge 921.
Virginia
South Carolina
A check is presented
to Jim White (right),
Director of Bristol
Emergency Food Pantry,
by Ralph Bond of Bristol
Lodge 269.
Myrtle Beach Lodge
1111 presented six
U.S. flags and six state
flags to the city’s
fire departments.
Missouri
North Carolina
Columbia Lodge 880
members Edward
Carey (left) and David
Chrisman placed a
wreath at the courtyard.
Paul Weaver of Mt. Olive
Lodge 508 presents a
set of flags to Rev. Bill
Cotton, pastor of Millers
Chapel, Pentecostal
Freewill Baptist Church
in Faison.
21
Se n io r C a mp
The Adventure Starts Here!
Hundreds of senior members enjoy going to camp each year to experience fun and fellowship.
Shown are some senior campers and camp activities that were held last year.
Louisiana
Shreveport Lodge 54 seniors spend an
afternoon enjoying games.
Texas
Campers gather in Bellville for a group picture.
Alabama
Senior campers enjoy
a game of cards at the
21st annual Alabama
North Senior Camp.
Mississippi
This group of seniors enjoyed working
on a puzzle.
Illinois
Campers are pictured
with their senior
camp T-shirts.
Georgia
Many of the campers enjoyed working
on crafts at Georgia North Senior Camp.
North Carolina
Fifty-eight seniors attended the North
Carolina West Senior Camp last fall.
22
Wfm W INTER
2008
Member
spotlight
Philip Robertson
Member of Lodge 513,
Decatur, AL
Resides with family in
Priceville, AL
Philip Robertson has been a
member of Woodmen of the
World since birth. He has been
North Alabama’s Fraternal
Coordinator since 1987 and
was awarded the National
Fraternal Coordinator of the
Year Award in 1996. “Being
selected was an honor, and it
is a privilege to be Fraternal
Coordinator for North
Alabama,” said Robertson.
Deremerstudios.com
He is grateful that he has
the support of his family and
loved ones. “My family is
involved fraternally. My wife,
Kim, has always led the arts
and crafts for Senior Camp
and my two children, Drew
and Paige, attend summer
youth camp. They participate
in many fraternal, civic and
patriotic events, as well as
attending lodge functions.”
Robertson has planned and
organized many 2007 fraternal
events for his area, including
Join Hands Day, the Youth
Camp program, Flags Across
America, Camp Improvement
Project Week, the Southeastern
Regional event, Make A
Difference Day and the 21st
Annual Senior Camp. “I’m
thankful to be blessed with
an association full of quality
people.” zx
23
C ommu n i ty C o n n ec t ion
Florida
Lodge 37 and youth Lodge 747, Tampa, participated
in the “Making Strides Against Breast Cancer” walk,
helping raise funds and awareness of breast cancer.
Doing Good
Louisiana
Georgia
A box of tissues was given to each resident of Eunice
Manor by members of Lodge 976 and youth Lodge 977.
24
O
A National Day of
n Saturday, Oct. 27, a total of 435 Woodmen
of the World lodges participated in Make A
Difference Day projects to improve their
communities. 2007 marked the 17th annual event of
“doing good.”
Wfm W INTER
2008
Georgia South seniors presented dog houses to the
Coastal Georgia Humane Society.
Illinois
Treat bags were presented to Nature Trail Nursing
Home residents by members of Mt. Vernon Lodge
202 members.
Kentucky
Mayfield Lodge
115 members
distributed food
and supplies to
the Mayfield/
Graves County
Animal Shelter.
Arkansas
Lodge 7, Hamburg, cleaned headstones at a local cemetery.
Georgia
North Carolina
Lodge 263, Cove City, members
helped clean the yard of a member,
as well as cabinets of a local church.
Members of Macon Lodge 10 and Lodge 6023 prepared lunch for members
of the 352nd Army Reserve Unit at the Lodge Hall in Macon. Checks
totaling $300 were presented to the Unit’s Family Fund. The 352nd, in
turn, presented both lodges and Georgia Central State Manager Jason
Fender all U.S. flags that had been flown in Iraq.
25
C ommu n i ty C o n n ec ti on
In Honor and
REMEMBRANCE
I
n communities across the nation, nearly 600 In
Honor and Remembrance ceremonies, sponsored
by Woodmen of the World lodges, were held to
remember those who died September 11, 2001, and
pay tribute to the men and women who protect our
nation every day.
Ceremonies included the installation of flagpoles
and the dedication of U.S. flags at town halls, fire
departments, schools, parks and other community
centers.
Arkansas – Searcy Lodge
68 – Kensett House of Prayer
26
Wfm W INTER
2008
Mississippi – Glen Lodge 64 – Indian Springs Methodist Church
Maryland
– Cumberland
Lodge 6
– Frankfort
Short Gap
Senior Center
Virginia – Harrisburg Lodge 414 – Camp Still Meadows
Georgia – Stone
Mountain Lodge 1942
– Loganville First Baptist
Church of Youth
South Carolina – Anderson Lodge 26
– Campbell Veterans Nursing Home
Texas – Lytle Lodge 406 – St. Joseph Cemetery, Devine
27
texas – Texarkana Lodge 19 – Clarksville Nursing Center
south carolina
– Anderson Lodge 26 –
Hospice House of the
Upstate
oregon – Eugene Lodge 3 – SCAR/Jasper
Mountain Home for Children
Arkansas – Hamburg Lodge 7 – Unity-Frost Prairie Volunteer Fire Department
georgia – Americus Lodge 202 – Sumter County Fine Arts Academy
H
C
north Carolina – Whiteville Lodge 137
TExas – Columbus Lodge – Weimar High School
– Whiteville Police Department
mississippi – Tupelo Lodge 130 – Shannon High
arizona –Phoenix Lodge 3 – Graham Fire Department
School Softball and Baseball Complex
29
American Mosaic
Roller Rinks
A Fun Place for the Whole Family!
by Kevin Warneke
T
hank goodness Jim
McMahon knew how to
skate.
McMahon was 19 and working
behind the counter on a Saturday
night at a roller rink in Aurora, IL,
when a pretty brunette asked for
size 8½ skates. One problem: She
had her boyfriend in tow.
She returned the following
Saturday without her boyfriend,
and McMahon had his chance. By
the end of the evening, the two had
made a date.
“Her boyfriend didn’t skate well
and was holding her back,” he
recalled.
Thirty-four years later, the
McMahons are still married and
still hanging out at the roller rink.
Then and now, roller rinks bring
people together to socialize, said
Bob Housholder, who began
working at one at age 16. “Thirty
years ago, it was a boy-meets-girl
thing. Skating was a social outlet
for people.
“I believe it still is.”
Housholder should know. He’s
spent the past 30 years working
and skating at rinks, and now
owns his own in Savoy, IL.
Although the roller skating
industry has evolved through the
decades, rinks are still places where
young and old congregate to meet
Renee Osborn and her daughter, Sarah,
enjoy the maple hardwood floor at
Skate Daze in Omaha, NE.
friends, impress others with their
prowess on wheels and skate to the
latest dance tunes.
They’re also a place where families
can have fun together, and Annelle
Anderson takes pride in greeting
her customers by name. Anderson,
who has owned a skating center in
Hurst, TX, with her husband, Bob,
since the early 1970s, said she now
is seeing third-generation skaters.
“Customers tell me, ‘I skated here,
my daughter skated here and now
I’m bringing my grandchildren.’”
complement skating, which
remains the main draw at their
centers.
Scott Cernik refers to his Omaha,
NE, SkateDaze as a destination.
Besides skating, his center
features laser tag, a roller coaster,
bumper cars, and amusement and
redemption games. His center also
features a three-level, 2,600-squarefoot playland, called Playdazium.
“It’s bigger than a house. On each
level, you can stand up.”
The additional attractions simply
make for a better experience for
his customers, Cernik said. “The
more attractions, the most things
you can have under one roof, the
bigger the destination you are.
People will travel to come to us.”
Conner Bottoms
climbs to the top of
the rock wall at Skate
Daze.
One thing has changed. McMahon
refers to his Illini Skateland as a
roller rink; others use the term
skating centers. “I have a roller rink
because my main income comes
from roller skating,” he said.
His Danville, IL, facility also
includes video games, laser tag and
an outdoor miniature golf course.
Owners say the added features
No matter what they’re called,
skating centers have come a long
way since Joe Champa’s father first
operated one.
Champa’s father operated open-air
tent rinks throughout the South in
the 1950s. “He’d be in one spot two
weeks or a month. When business
would slow down, he’d move on to
another town.”
Champa has operated a skating
center in Lexington, KY, for
nearly 40 years. A brother operates
one in nearby Louisville. Besides
skating, Champa’s center includes
such amenities as an adultonly restaurant with big-screen
televisions and wireless Internet
access. The premise is simple:
while their kids skate, parents
can watch television and have
31
something to eat – away from the
loud music, but close enough to be
near at hand.
“The parents love it – and we love
it,” Champa said.
Champa serves as president of
the 900-member Roller Skating
Association International, which
is based in Indianapolis. The
association includes members
from the United States, Canada,
England and Mexico.
Joseph Merlin, a Belgian inventor,
is credited with creating the first
roller skate in 1760. He introduced
his creation by wearing his skates
to a London party – and crashed
into a mirror.
Monsieur Petitbed, in 1819,
received the first patent for a roller
skate. He unsuccessfully claimed
that his skates would allow wearers
to do the same maneuvers as ice
skaters. Curves and turns proved
him wrong.
With the invention in the 1860s of
a roller skate that could turn, roller
skating became a popular pastime.
Skating rinks opened.
By World War II, skating rink
owners had formed the precursor
to the RSA International. The
industry saw steady growth
through the 1940s, ’50s and ’60s.
“When I was growing up, we
skated to live organ music,”
Housholder recalled. “No disco or
rap. Couples danced the two-step,
waltzes, the fox trot and grand
marches. People had fun.”
32
Wfm W INTER
2008
Anderson remembers skating
as a child. She remembers the
music and seeing people enjoy
themselves.
The growth of the ’40s, ’50s and
’60s, however, paled by what was
to come: First the 1970s, which
brought improvements to roller
skating. Plastic wheels meant
skaters could move more easily and
master more difficult maneuvers.
Music and lighting, along with the
disco era, transformed roller rinks
into dance floors.
Housholder remembers the night
in February 1978 when the rink in
East Moline, IL, went from organ
music to disco lights and dance
music. “It was the ‘wow’ factor. It
was ‘Oh my gosh. This is great.’”
“Kids roller skate
and they don’t
even know they’re
exercising,” he
said.
Suddenly, rink operators didn’t
need to worry about attracting
skaters. Hundreds lined up each
Friday night, Saturday afternoon
and night, and Sunday night to
skate. “Everyone wanted to take
part,” Housholder said.
The disco era meant new rinks
opened as entrepreneurs jumped on
the bandwagon. “They thought it
was easy money.” Many of them are
no longer in business, Anderson said.
Another boom followed in the late
1980s, with the introduction of inline skates.
The skating industry faced change
of a different sort after terrorists
attacked the United States on Sept.
11, 2001. Champa said parents no
longer were willing to drop their
children off at entertainment
venues, including skating centers,
and leave.
“More and more parents are
staying with their kids. More and
more parents were in our buildings
with no place to go.”
Champa said rink owners scrambled
to find ways to keep parents
entertained. The challenge: Give
parents their own space at skating
centers, where they can work,
socialize or be entertained. The
restaurant was Champa’s solution.
Entertainment aside, roller skating
provides a benefit to society that
often is overlooked: exercise.
Champa said the association is
working with the President’s
Council on Physical Fitness and
Sports to fight childhood obesity by
getting children exercise through
roller skating.
“Kids roller skate and they don’t even
know they’re exercising,” he said.
Call it exercise or call it a time to
socialize. Anderson calls roller
skating just plain fun. “It’s so
much more than going ‘round and
‘round.” zx
Kevin Warneke is a freelance writer in
Omaha, NE.
mone y ta lk
Convenient
Plastic
Spending money has never been this easy
T
rends are constantly changing, and in this
day and age, convenience and speed are in
high demand. For many, pre-paid cards
including gift cards, payroll cards and “contactless”
cards, are a wish come true. They offer the ease,
flexibility and banking simplicity that’s desired.
A variety of pre-loaded cards are available to consumers and employees, all with different purposes.
They’re most often used to make purchases, but
some go as far as to help with medical costs.
Here’s a look at pre-paid cards available to
consumers:
Gift cards are gift certificates in credit card form.
They can be issued for a specific store, be used as
“universal” cards, or can be swiped at any store that
accepts credit and debit cards. These types of cards
may not be used to withdraw money from ATMs.
Payroll cards are given to employees who don’t
have a bank account, as a paycheck substitute. Some
employers deposit salaries or benefit payments
into an account that allows cash to be withdrawn
from ATMs.
Pre-paid debit cards can be issued by financial
institutions. These types of cards may be used at
ATMs or to make a purchase at retail stores that
accept credit or debit cards. Many use these as a
substitute for travelers checks.
Debit cards for Health Savings Accounts can only
be issued to consumers who are eligible under
IRS rules for any tax-advantaged savings account.
Those who qualify can
save on certain doctor fees
and long-term care insurance payments.
Qualified medical expenses can then be paid using
other forms of payment.
Although these cards are beneficial to many, if a
card is stolen or lost, the amount of money lost may
not be refunded. Make sure you read all terms and
conditions before giving or receiving these types
of cards.
“Contactless cards” are waved in front of card
readers instead of being swiped through a sales
terminal. A radio signal gathers the card information
from an electronic chip. These types of cards can only
be used at participating retailers, but the number of
participants is growing.
Many people enjoy these types of cards because
they are fast and can easily be used when making
small purchases.
Like with pre-paid cards, looking into your options
is recommended. If lost or stolen, the consequences
are the same as those given for normal credit and
debit cards. Check with your bank or card issuer to
find out card policies.
It has become easy for consumers to pick up on the
trend of today: using plastic as their main form of
payment. It’s a good idea to look into the types of
cards available to you, and to ask questions before
allowing your bank to grant your wish. zx
Source: FDIC Consumer News
33
f r at e r n al s p i r i t
Tennessee
S
even-year-old Kasey Irwin was named the
Quad Speed Skating Champion at the
National Championships held in Omaha,
NE. For her win, Kasey, a member of youth Lodge
1169, Maryville, received a medal, plaque and a
bouquet of flowers.
Kasey is the daughter of Dean and Sherry Irwin
of Hiram, and the granddaughter of Kenneth
and Harriett Irwin, members of Maryville Lodge
6246. Her grandmother is currently serving as a
member of Woodmen of the World’s National
Fraternal Committee.
Arkansas
A Lifesaver
Commendation Plaque is
presented, on behalf of
Stuttgart Lodge 1402, to
Daniel Crawford (right),
who rescued a woman
from her submerged car.
Virginia
Nora Lilly of Harrisonburg
Lodge 414 mans a
Woodmen of the
World booth at the
Rockingham County
Fair. Members of Lodge
341 also assisted.
Nebraska
Lodge 1, Omaha,
presented an outdoor
U.S. flag to Springville
Elementary School and
hand-held flags to
the students.
Alabama
The fourth-grade class
at Gaylesville School
displays the U.S. flag
given to them by Fort
Payne Lodge 436.
34
Wfm W INTER
2008
Pennsylvania
Tennessee
Field Representative
Cathy Baker presents
a scholarship check,
on behalf of Kittanning
Lodge 687, to Kent
Millikin.
A U.S. flag is presented
to President James
K. Polk Home in
Columbia by Lodge 18.
Kentucky
Tennessee
Hopkinsville Mayor
Dan Kemp (second
from right) poses with
Lodge 5 members, who
dressed appropriately
for the western picnic.
The Justice Center in
Cookeville receives
a new U.S. flag from
Lodge 961 member
Luther Beam (third
from right).
Louisiana
South Carolina
Eunice Lodge 243
presents a U.S. flag to
Eunice High School.
Field Representative
Martha Brunty shakes
hands with Surfside
Beach Mayor Roy
Hyman following a flag
presentation to City
Hall on behalf of Myrtle
Beach Lodge 1111.
North Carolina
Alabama
Mount Pleasant Baptist
Church in Franklin
received a set of flags
on behalf Lodge 889.
Principal Bobby Mintz
of Cedar Bluff High
School receives a
U.S. flag from Field
Representative Johnny
Miller on behalf of
Fort Payne Lodge 436.
35
Tennessee
Pennsylvania
Morris Chapel Lodge
213 celebrates its
100th Anniversary. A
plaque was presented
to Lodge Secretary
Kenneth Perkins (left) by
Fraternal Coordinator
Darrell Dowdell.
Members of Howard
Lodge 691 and youth
Lodge 788 ride on a
Woodmen of the
World float.
Alabama
T
he youngsters shown below are students
of Mrs. Tammy Norwood, Preschool
Instructor at Southeast Alabama Medical
Center’s Child Development Center. They
attended a U.S. flag presentation to the center by
Field Representative Gary Robinson on behalf of
Brewton Lodge 30. Following the presentation,
the flag was sent to Specialist Charles Norwood,
Mrs. Norwood’s son, who is currently serving in
Iraq. Upon his return home, Specialist Norwood
will deliver the flag back to the Child Development
Center, where it will be flown permanently.
36
Wfm W INTER
2008
South Carolina
Lexington Lodge 1276
presents a $250 check
and a set of flags to
White Knoll
High School.
Arkansas
Georgia
Costume contest
winners of youth
Lodges 1381 and 1387,
Hamburg, attended a
Fall Festival.
Celebrating his 91st
birthday is longtime
member Roy Wheeler
of Buford Lodge 1943.
Florida
North Carolina
Ruth and Dan Danforth
receive a fraternal
benefit check from Alva
Lodge 633.
Tarboro Lodge 115
presents a check to
Edgecombe Home
Care and Hospice.
Alabama
Georgia
A check donation
is made to Coosa
Elementary School by
Sylacauga Lodge 1137.
Valdosta Lodge 6018
members build one
of two doghouses for
Lowndes County
Animal Shelter.
Kentucky
South Carolina
Residents of Countryside
Health Care Facility
in Bardwell attend a
birthday party in their
honor, hosted by Lodge
38.
Chad Lilly of Myrtle
Beach Lodge 1111
receives a gift in
recognition of
Father’s Day.
37
M E M B ER NE W S
Special Matching Funds Program Offered for
Washington Flood Relief
T
he Executive Committee has approved
special matching funds for lodges that want
to contribute to the flood relief in the areas of
Washington and Oregon.
In early December, a fierce storm ripped through the
Pacific Northwest before raging on into the Midwest.
In Washington, it left in its wake flooded roadways,
fallen trees and newly homeless citizens, including
Woodmen of the World members.
Fraternal Coordinator Marcia Stocking and her
husband, Bob, a Field Representative, were among
those who vacated their flooded house. When they
left to take up residence at a high school gym, the
water level was at 18 inches and rising. Marcia’s
car was swept away in the flood, and Bob’s car was
completely submerged.
To assist flood victims like Marcia and Bob, Woodmen
of the World will match lodge donations, up to $500.
“Disaster relief is one of Woodmen of the World’s
signature fraternal projects. This is another important
time for us to help our own who have been affected by
a devastating natural disaster,” said Barbara Courtier,
Fraternal and Lodge Services Manager.
Checks should be made payable to NW Territory
OWL Fraternal and sent to Omaha Woodmen, 1819
Central Ave. S, Suite 143, Kent, WA, 98032. In order
to receive the matching funds, submit the Matching
Funds application (Form 51) and attach a copy of the
check to serve as a receipt. The form and copy of the
check should be sent to the State Service Center for
approval and then to the Fraternal and Lodge Services
Department at the Home Office for processing. The
lodge will then be reimbursed the matching portion,
up to $500. These special matching funds are
above and beyond the usual annual Matching
Funds Program.
If you are a member affected by the flooding, you may be
eligible for financial assistance through Woodmen of the
World’s Natural Disaster Fraternal Benefit. For further
information and an application, please contact Area
Manager Steve Wiiest at 888-469-6017. Applications
must be received within 180 days of the loss. zx
2008 Refunds
R
efunds paid to members holding life and accident
& health certificates during 2008 are expected to be
approximately $116 million, Woodmen of the World’s
Board of Directors recently announced.
The Board also announced that beginning January 1,
2008, Woodmen of the World will pay 5.20% interest
on refunds left on deposit with the organization. The
5.20% rate will also apply to monies being held while an
Adjustable Life or Flexible Life certificate is waiting to
be issued. These percentages are unchanged from 2007.
The maximum interest rates used to calculate refunds
on Adjustable Life unloaned cash values will range
from 4.85% to 5.75%, depending on the certificate year,
38
Wfm W INTER
2008
issue age, sex, face amount and other classifications.
The maximum interest rates used to calculate refunds
on Flexible Life unloaned cash values will range from
5.00% to 6.05%, depending on the certificate year, issue
age, sex, face amount and other classifications.
The interest rate applied to monies received as advanced
premium will be 5.20% on fixed premium life insurance
plans and 4.05% on new flexible premium life insurance
plans. These percentages are unchanged from 2007.
Woodmen of the World’s Executive Committee, taking
into account investment market yields, will set annuity
rates monthly. zx
Woodmen Foundation Formed
W
oodmen of the World has formed a 501(c)(3) private foundation,
incorporated in the state of Nebraska, and called Woodmen
Foundation.
The Foundation is in the process of obtaining the proper certifications of authority
and charitable registration statements that must be filed in individual states.
Approximately half of Woodmen Foundation’s activities will be to raise
funds to be used in relief efforts following natural disasters by making gifts
to public charities such as the American Red Cross, the Salvation Army and
Habitat for Humanity.
Although providing funds for relief efforts through public charities will
be the Foundation’s primary purpose, it will also undertake the following
charitable activities:
1. The Foundation will acquire and make available various necessary items
to be used directly during disaster relief efforts; such items will include
pots, pans, grills, mobile kitchen equipment, generators, tractors, portable
water trucks and similar kinds of equipment necessary for disaster relief.
2. The Foundation will fund programs offered by the Red Cross in first aid,
disaster services and mass meal preparation.
3. The Foundation will fund programs in animal rescue operations offered
by the Humane Society.
4. The Foundation will fund education programs for adults who work with
children in schools, such as adopt-a-school programs.
Woodmen Foundation is governed by a non-paid Board of Directors. These
Directors are appointed by Woodmen of the World’s Executive Officers to
serve one-year terms. The Board in turn elects Officers.
Woodmen Foundation Directors and Officers are:
James L. Mounce, President
Lucia Taylor-McCoy
James W. Bridges Jr.,
Vice President
Pamela J. Hernandez
Mark D. Theisen, Treasurer
Danny E. Cummins, Secretary
S. James Patterson
John S. Manna
Harvey R. Alsup
According to Woodmen of the World President James Mounce, “This
will provide our members with an excellent opportunity to actively
participate in the activities of the Foundation.”
Woodmen Foundation may be reached by mail at:
Woodmen Foundation
P.O. Box 2107
Omaha, NE 68103-2107 zx
We’re Going
National
W
oodmen of the World is proud
to announce that for the first
time, our advertising campaign will
be going nationwide in 2008. This
media increases awareness about what
we stand for and what we do.
Starting in January, commercial
advertisements will air on the
Discovery Channel, the largest
cable network, ranked number
one in program quality by viewers.
MythBusters, Dirty Jobs and Planet
Earth are just a few very popular
shows that air regularly on Discovery.
“Advertising on a national scale is
an exciting new opportunity for
Woodmen of the World,” said Randa
Zalman, Advertising Manager. “This
campaign illustrates our commitment
to providing members with insurance
protection and financial security, as
well as meaningful community service
opportunities.”
Commercials will also be aired
during Atlantic Coast Conference
(ACC) basketball regular season
games starting in January 2008 and
Southeastern Conference (SEC)
football in the fall of 2008.
Six commercials will be airing and
one focuses on our community work
and fraternal involvement in our
communities.
With member pride being so
important, it is necessary to continue
to build on what Woodmen of the
World has established. This exciting
transition will increase awareness for
Woodmen of the World, and build
a clear and consistent message about
our organization zx
39
Healthy Living
Unhealthy Habits Hit Home
Americans must change,
but how?
by Tammy Schupbach Rader
An unhealthy diet and
physical inactivity can cause
or aggravate many chronic
diseases and conditions.
Source: Centers for Disease Control and Prevention
T
he American Dream has become a nightmare
when it comes to healthy living. Once
revered around the world as the ultimate
lifestyle, the luster is fading, as up to 45 percent of
U.S. residents now suffer from chronic diseases. Most
distressing is that these disorders, including diabetes,
heart disease, hypertension, stroke and some cancers,
are often preventable.
Although life expectancy is at a record 77.9 years, the
nation is quickly losing ground to other countries.
The U.S. now ranks 42nd internationally for life
expectancy; a substantial drop from 11th just
two decades earlier.
“Not only does that suffering affect our nation’s overall
health – but also our nation’s economic productivity,”
stated Dr. Richard Carmona, Chairperson of the
Partnership to Fight Chronic Disease and President
of Canyon Ranch Institute. His comments came
during release this fall of a new chronic disease
economic impact study, “An Unhealthy America:
The Economic Burden of Chronic Disease,” by the
Milken Institute. The financial toll is an alarming $1
trillion-plus annually, which could reach $6 trillion
by mid-century.
The goal of achieving an overall healthy and happy
lifestyle comes down to three primary factors, according
to McKeag: diet, exercise and mental health.
Start with a healthy diet
y Learn about healthy food choices
y Eat plenty of fresh fruits and vegetables
y Stay away from sugary foods like candy
y Avoid preservatives
y Pay attention to calories
y Pass up regular soda; try diet, decaffeinated non-colas
y Choose whole-grain unprocessed foods, e.g., brown bread and rice
y Steer clear of animal fats and fried foods
y Consume lean meat or non-farmed fish (farmed
fish can contain contaminants)
y Select yogurt, natural instead of sweetened
Chronic diseases are spiraling upward, with seven out
of every 10 deaths now attributable to these ailments.
The good news is that healthy lifestyle changes can
reverse the course for many Americans, whose risk
for chronic disease is largely associated with bad
health habits.
“In every community in our
country, people are suffering
from preventable chronic
diseases.”
‑Richard H. Carmona, M.D., M.P.H., FACS
Former U.S. Surgeon General (2002-2006)
“People are becoming more aware of what’s good and
what’s bad,” said Doug McKeag, a consultant for the
2008 Summer Olympics in Beijing and Chairman
of the Family Medicine Department at Indiana
University (IU) School of Medicine. “Whether they
make the right choices is another thing.” Dr. McKeag
is also One America Professor and Director of the IU
Center for Sports Medicine.
When it comes to overeating, Americans are clearly
choosing to tune out dire health warnings. The U.S. has
the highest rate of obesity among developed nations,
according to the National Center for Health Statistics.
Roughly one-third of all adults are obese (30 pounds
over a healthy weight), with 17 percent of children
classified as overweight. Astonishingly, the number of
youth overweight has more than tripled since 1980.
Fact: Less than 25 percent of
U.S. adults and youth eat
the recommended five or
more servings of fruits and
vegetables each day.
Source: Centers for Disease Control and Prevention
McKeag has found one unique and powerful way to
reach adults is through children who are taught proper
food choices and in turn educate their parents.
Get plenty of exercise
Exercise at least 20-30 minutes daily, doing an activity
that you enjoy such as walking, biking, hiking, golf,
tennis or cross-country skiing. Ask a friend to join
along for fun and accountability. Schedule exercise
on the calendar like an appointment.
66 percent of Americans
ages 20 and up are overweight.
Source: National Center for Health Statistics
41
Pay attention to mental health
Take time for yourself to keep life’s challenges in
perspective. Maintain a positive outlook and be open
to new opportunities. Cultivate strong relationships,
and strive for a healthy work/life balance.
Obtain screenings, avoid risky behaviors
Other key factors to adopting healthy behaviors
are routine health screenings and avoidance of
risky behaviors, according to the U.S. Department
of Health and Human Services. Up to 60 percent
of colorectal cancer deaths, for example, could be
prevented by regular screenings.
Risky behaviors include such things as smoking, drug
use and alcohol abuse. Smoking is the top cause of
preventable death in the U.S., taking nearly half a
million lives annually.
Fortunately, with increased media attention on the
role preventative measures play in chronic diseases,
there is great hope for America’s healthy future. zx
Tammy Schupbach Rader is a freelance Writer in Carmel, IN.
42
Wfm W INTER
2008
American Medical Association
Top Resolutions for a
Healthy 2008:
Don’t smoke
Eat your fruits and vegetables
Cut back on salt
Limit fat in your diet
Check your cholesterol
Reduce the amount of soda
you drink
Check your blood pressure
Get a colonoscopy
Get a mammogram
Protect your skin from the sun
Source: American Medical Association News Release
chef’s corn e r
RECIPE
Split Pea Soup
When you want a quick, hearty meal, this
soup, made with yellow split peas, pairs
well with crusty whole-grain bread or a
fresh-vegetable medley.
Directions
To make the chive cream, in a small blender or food processor, combine the
chopped chives, yogurt, buttermilk, sugar and salt. Process until well blended.
Cover and refrigerate until needed.
In a large saucepan, heat the olive oil over medium heat. Add the onion and
sauté until soft and lightly golden, about 6 minutes. Stir in ¼ teaspoon of the
salt. Add the carrot and sauté until the carrot is softened, about 5 minutes.
Add the garlic and sauté for 1 minute. Stir in the split peas, water, stock, the
remaining ¼ teaspoon salt and the pepper and bring to a boil. Reduce the
heat to low, cover partially, and simmer until the peas are tender, 60 to 65
minutes.
In a blender or food processor, puree the soup in batches until smooth and
return to the saucepan over medium heat. Reheat gently.
Ladle into warmed individual bowls. Top each serving with a drizzle or swirl
of chive cream and garnish with a sprinkle of chopped ham and a few long
cuts of fresh chives. Serve immediately.
Serves 4
Ingredients
For the chive cream
3 tablespoons coarsely chopped
fresh chives, plus long cuts for
garnish
3 tablespoons fat-free plain yogurt
1 tablespoon low-fat buttermilk
¼ teaspoon sugar
Pinch of salt
2 tablespoons olive oil
1 yellow onion, chopped
½ teaspoon salt
1 large carrot, peeled and chopped
2 cloves garlic, minced
1 ½ cups dried yellow or green
split peas, picked over, rinsed
and drained
3 cups water
3 cups vegetable stock or broth
¼ teaspoon freshly ground black
pepper
½ cup chopped lean ham
Nutritional Analysis (per serving)
Calories 393
Kilojoules 1,644
Protein 23 g
Carbohydrate 56 g
Total fat 11 g
Saturated fat 1 g
Monounsaturated fat 6 g
Cholesterol 7 mg
Sodium 695 mg
Fiber 12 g
©Mayo Foundation for Medical Education
and Research. All rights reserved.
Reprinted with permission from The New
Mayo Clinic Cookbook, concise ed. To
order, visit bookstore.mayoclinic.com or
call 800-291-1128.
43
NEW S W O RTH Y
Day Assumes
New Role
J
im Day has been appointed to
the position of Vice President
of Customer Relations, effective October 8, 2007.
Day began his career at
Woodmen of the World in 1977 in the Systems and
Planning Department. In 1981, he was named PAC
Supervisor, and in 1985, he became the Assistant
Membership Services Manager. He was named
Assistant Vice President in 1988 and Vice President
and Membership Services Division Manager in 1992.
Day is a member of Lodges 1 and 16, and has held
every office while in Lodge 16.
He is a member of the Nebraska LOMA Society
and the LOMA Individual Insurance Services
Committee, and is a past Chair of the Credentials and
Resolutions Committees of the National Fraternal
Congress of America. He is also an immediate Past
President of the Nebraska Jurisdiction.
In his spare time, Day enjoys reading and playing
golf and basketball. He and his wife, Sue, have two
sons, Jacob and Jonathan. zx
Janecek
Named Chief
Underwriter
L
ee Janecek has been
appointed to the position
of Chief Underwriter, effective October 19, 2007.
44
Wfm W INTER
2008
Janecek started his career at Woodmen of the
World in November 1986 as an underwriter. Since
then he has received numerous promotions within
the Underwriting Research and Development
Department. In 1991, he was appointed Senior
Underwriter; in 1993, he was promoted to Manager,
Underwriting Technical Services; in 2002, he was
named the Assistant Chief Underwriter; and in 2005,
he was appointed a Director.
Janecek currently is a member of Lodge 16, and
was named a lodge degree team member from 1989
to 2003. He has served the Nebraska Home Office
Life Underwriters Association and the Education
Committee of the Academy of Life Underwriting.
He has held the position of Secretary for the Education
Committee of the Academy of Life Underwriting,
been a member of the Executive Committee of the
Association of Home Office Underwriters, chaired
the Midwest Home Office Underwriters Conference
and is currently Treasurer of the Academy of Life
Underwriting.
In his spare time, Janecek enjoys fishing, gardening
and cooking. He and his wife, Cindy, have three
children, Zachary, Benjamin and Hannah. zx
Horrocks Named
Director, Field
Development
M
andy Horrocks has
been named Director,
Field Development. Her
appointment was effective
November 1, 2007. Horrocks has been with Woodmen
of the World since 2000, when she joined the
organization as an instructor in Field Education. She
most recently served as Manager of Sales Support.
ME MBER NEWS
Horrocks holds a Bachelor of Science degree from
the University of Iowa. In her new position, Horrocks
will be responsible for field development and
leadership training, as well as administrative support,
event planning, special projects and accounting in
Field Management.
Living a Dream
Woodmen of the
World member and
UNCP starter John
Walters dribbles down
the court against the
Indiana Hoosiers.
She is an officer in Lodge 709 and is married to Randy
Horrocks, State Manager of Nebraska. They have
two children, Jayce and Dakota. zx
Ellis Named
Director and
Assistant
General Counsel
M
att Ellis was named
Director and Assistant
General Counsel, effective
December 1, 2007. He has been with Woodmen of
the World since 2006 as Assistant General Counsel in
the Legal Division.
Ellis received his Bachelor of Arts degree from
Catholic University and his Master of Business
Administration and Juris Doctorate degrees from
Creighton University. In his new positions, Ellis will
supervise risk management and contingency planning,
in addition to his legal duties, which include providing
legal advice including litigation, arbitration, HR
and group benefits.
Ellis is a member of Lodge 1, and was recently elected
as Escort. He belongs to the Nebraska Bar Association
and the Texas Bar Association. He teaches Business
Law II at Creighton University in Omaha, and in
his spare time enjoys tennis, golf, movies and
swimming. zx
I
magine being admired by your friends, lauded by
your university and playing the Indiana Hoosiers
on your home court. That’s the reality for Lodge 208,
Bladenboro, NC, member John Walters.
Walters plays guard for the University of North
Carolina Pembroke (UNCP) men’s basketball
team. Held in high regard by his fellow Braves,
he was named to the Peach Belt Conference allsportsmanship team last year, at the completion of his
sophomore season. Walters’ consistent sportsmanship,
good citizenship and ethical behavior earned him
the honor of representing his university on the AllSportsmanship Team. He played in all 28 games last
season, including 15 starts, and averaged 3.4 points,
1.2 rebounds and nearly one assist per game. Walters’
performance garnered him the team’s Most Improved
Player award.
A native of Bladenboro, Walters was a standout
athlete in high school. He averaged 13.5 points, six
assists and four rebounds for West Bladen High
School and was named the Tri Six Conference player
of the year his senior season. He was also an allconference performer in baseball.
While the Braves may not have defeated the Hoosiers,
Walters will always remember the 16 minutes and
the assist he registered in the contest. zx
45
f r at e r n al s p i r i t
Texas
Kentucky
I
ndependence Lodge 688 set up a booth at
the recent Celebrate America Day in Boone
Woods Park. More than 2,000 visitors attended
the day-long celebration in Boone County.
Hosted by the Boone County Fiscal Court and
many volunteers, Lodge 688 was the only service
organization invited to participate.
Lodge members (shown below) provided
refreshments, balloons for the kids and handed
out Woodmen of the World literature to
passersby. Kids enjoyed climbing into fire trucks
and inspecting sheriff’s equipment, as well as
army trucks.
All active Boone County servicemen and women,
and veterans were recognized. At dusk, a
fireworks display lit up the sky as the Centennial
Brass Band played patriotic music.
46
Wfm W INTER
2008
Field Representatives
Brent Stahelin, FICF, and
Chris Green, present a
U.S. flag to Joe Wright
Elementary School
Assistant Principal
Tammy Cross, Principal
Brad Stewar and
students on behalf of
Jacksonville Lodge 303.
Illinois
Mt. Vernon Lodge
202 member Donna
Overstreet and State
Office Secretary Jeanie
Conklin purchased gifts
to send to Navy Seaman
Jordan Oliver, who is
stationed overseas.
Louisiana
Maryland
Members from Louisiana
and Tennessee work on
a house for Habitat for
Humanity in Lafayette.
Cumberland Lodge 6
presented an outdoor
U.S. flag to Washington
Street Cumberland
Library.
South Carolina
Florida
West Columbia Lodges
273 and 1276 collected
more than $1,300 for
the Juvenile Diabetes
Research Foundation
and Walk to Cure
Diabetes.
Jurisdictional President
and Lakeland Lodge
78 Past President
Robby Molony (left)
presents a $400 check
to Garth Pollonais,
Director of Coaching for
Lakeland Soccer Club,
to help offset costs of
registration for players.
Kentucky
Virginia
Tommy Lawson,
member of Fulton
Lodge 4, presents a
$200 check to Lodge
President Richard
Tidwell to purchase
Christmas baskets for
the less fortunate.
Harry Lilly (left), Charles
Mathias, and Gayle
Shull (right), members
of Harrisonburg Lodge
414, are pictured placing
the In Honor and
Remembrance plaque at
Camp Still Meadows.
Georgia
North Carolina
Members of Cairo Lodge
580 fingerprinted children
at the Family Worship
Center.
Bladenboro Lodge 208
members participate in
a Flags Across America
Ceremony.
North Carolina
Arkansas
Briar Creek Elementary
School Teacher Mrs. Noah
received a U.S. flag from
Denton Lodge 976.
Stuttgart Lodge 1402
presented a U.S. flag to
Stuttgart Jr. High School.
47
F u n Zon e
On Men and Women …
All About Animals …
An Amish boy and his father were visiting a nearby mall. They were
amazed by almost everything they saw, but especially by two shiny silver
walls that moved apart and back together again by themselves.
Two cows were talking in the field. One
cow says, “Have you heard about the
Mad Cow disease that’s going around?”
The lad asked, “What is this, father?”
The other cow answers, “Yeah, makes
you glad you’re a penguin, doesn’t it?”
The elevator
The father, having never seen an elevator, responded, “I have no idea
what it is.”
While the boy and his father were watching wide-eyed, an old lady in
a wheelchair rolled up to the moving walls and pressed a button. The
walls opened and the lady rolled between them into a small room. The
walls closed and the boy and his father watched as small circles lit up
above the walls.
The walls opened up again and a beautiful twenty-four-year-old
woman stepped out.
The father looked at his son anxiously and said, “Go get your mother.”
What’s
Different?
Find 10 differences
between the Valentine
photos. Answers to the
puzzle can be found
on our Web site,
www.woodmen.org,
by clicking on the Wfm
link on the Home Page.
48
Wfm W INTER
2008
Mad Cows
For Convenience…
The Clever Farmer
Q: Why did the farmer plow his field with a steamroller?
A: Because he wanted mashed potatoes.
Under the Big Top!
Step right up and find 50 words associated with a circus. See if you
can find all of the words by reading up, down, forward, backward or
diagonally. Circle each word as you find it and check if off the list below.
A
R
S
L
L
Y
A
S
L
H
E
U
L
G
Y
M
N
A
s
t
I
C
s
x
n
B
I
K
C
I
R
c
U
S
r
I
N
G
J
U
G
G
L
e
r
S
m
v
x
y
G G U
N G M
T S P
I U N
G R I
H W L
t r s
R F I
O L D
P e E
E A S
W C H
A I O
L R W
K C F
E U R
R S M
S C U
p a s
o r i
P A C
C v T
o a p
r n j
n w t
Acrobats
Aerial Acts
Arena
Artists
Audience
Band
Calliope
Canvas
Caravan
Circus Animals
Circus Ring
Cirque du Soleil
Clowns
O
A
E
I
N
I
a
R
T
i
S
T
S
T
C
O
S
T
u
m
E
s
a
p
r
G P K S M W
S T E R X S
C T A C L E
C Y C L I S
G L I N G B
I O Z B E M
d d w o l c
G T H R E E
L O C U R I
I c I r Q U
O P J R O L
N M A G I C
T M E Z C B
A A C C A K
M T P A L O
E I E N L X
R N A V I Q
C E N A O F
l e u s p u
o b t h e f
W Z S E V E
n h a i n j
s w m w w t
d a r e d e
a i n w f i
Costumes
Cotton Candy
Curiosities
Daredevil
Emmett Kelly
Fire Eating
Flea Circus
Gymnastics
J.A. Bailey
Jugglers
Lion Tamer
Magic
Matinee
C
A
Z
T
R
M
u
R
O
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L
A
S
T
A
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r
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V
A
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n
j
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m
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e
S P
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P T
O T
T H
T T
s p
N G
I T
U S
N G
R O
P W
W D
W B
J T
X G
I B
a c
r r
K V
k u
v d
l j
e a
V
I
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a
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I
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B
A
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N
A
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n
c
e
t
Music
Peanuts
Performers
Plate Spinning
Popcorn
P.T. Barnum
Ringling Brothers
Ringmaster
Rolling Globe
Sawdust
Seating
Sideshow
Spangles
D
A
A
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R
E
n
T
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L
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A
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b
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Stage
Stunts
Tent
Three Rings
Ticket
Tightrope Walkers
Tour
Train
Trapeze
Unicyclist
Answers to the puzzle can be found on our Web site, www.woodmen.org, by clicking on the Wfm link on
the Home Page.
49
I n M emo r i am
Juan Jose Garcia Sr.
Jerry D. Seal
Jeannette E. Smith
Age: 63
Lodge 406, Lytle, TX
Member for 44 years
Age: 63
Lodge 7,
Hamburg, AR
Age: 79
Lodge 16, Omaha, NE
Retired Woodmen
of the World
Home Office Associate
William G. “Bill” Bowen
Louise Y. Gosa
Geraldine W. Satterfield
Age: 69
Lodge 1854, LaGrange, GA
Retired Woodmen of the World Field
Representative
Age. 84
Lodge 202, Americus, GA
Age: 75
Lodge 202, Americus, GA
Wayne Harbuck
Maria A. Villarreal
Lee Brotherton
Age: 63
Lodge 202, Americus, GA
Age: 85
Lodge 202, Americus, GA
Beth Highnote
Age: 83
Lodge 6, Norwalk, CA
Resided in Los Angeles, CA
Earl L. Bush
Age: 52
Lodge 202, Americus, GA
Age: 73
Lodge 202, Americus, GA
Roy K. Kimbrough
Ben Clary
Age: 76
Lodge 1893, Tuscaloosa, AL
John Dee Compton
50
Age: 91
Lodge 8, Florence, AL
Resided in Tuscumbia, AL
Deferred Annuities In-force
Rate*
W. Ford King Jr.
November 2007
Tier 1 Tier 2
3.75% 4.00%
Age: 72
Lodge 210, Nacogdoches, TX
Age: 67
Lodge 250, Center, TX
Resided in Woden, TX
Richard G. Crickenberger
James H.C. Kitchens
Age: 93
Lodge 167, Verona, VA
Retired Woodmen of the World Field
Representative
Member for 59 years
Age: 85
Lodge 358, Round Oak, GA
Resided in Gray, GA
Newton Mosely
Age: 50
Lodge 202, Americus, GA
Age: 84
Lodge 1214, Glenwood, GA
Resided in Uvalda, GA
Member for 46 years
Jonoyce Gibbons
Mozelle Pace
Age: 59
Lodge 210, Nacogdoches, TX
Age: 84
Lodge 210, Nacogdoches, TX
Resided in Mount Enterprise, TX
Member for 41 years
Tony Farr
Wfm W INTER
2008
Interest Rates
December 2007
Tier 1
Tier 2
3.60%
3.85%
Tier 1: Values under $25,000
Tier 2: Values $25,000 and above
*Current
in-force
interest
rates
apply when a certificate’s initial rate
guarantee period has expired or when
an initial rate guarantee period has not
been chosen. Current in-force interest
rates are subject to change monthly.
The above rates are for existing annuities
that are out of their initial guarantee
period. You may be able to earn a
higher rate with a new annuity with a
locked-in interest rate. Contact your
Woodmen of the World Representative
if you are interested in receiving more
information. You can also call 1-800225-3108 or go to www.woodmen.org.
What does retirement
mean to you?
When you close your eyes and think of retirement, what do you see? Only you have the complete
picture; maybe it is quiet and restful, or maybe it’s full of travel and adventure. Whatever you imagine,
Woodmen of the World can help you make it a reality.
Plan for your retirement with an Individual Retirement Account1 from Woodmen of the World:
• Investments can be set up according to your own risk tolerance and financial goals.
• Funds are mobile; this allows you to move qualified plan money to an IRA without penalty.
•M
any IRAs offer tax advantages, including a potential tax deduction in the year of the contribution
and a tax deferral until retirement.2
Contact your Woodmen of the World Representative today for a free needs analysis, and find out if an
annuity is right for you.
Securities are offered and processed through Woodmen Financial Services, Inc., 1700 Farnam Street, Omaha, NE 68102, 877-664-3332, member FINRA/SIPC, a
wholly owned subsidiary of Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society. Securities other than the Woodmen
Variable Annuity product are issued by companies that are not affiliated with Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life
Insurance Society.
1
Tax consequences may vary by state. Contact your professional tax advisor for details. Early withdrawals before age 59½ may be subject to a 10 percent Federal
income tax penalty and ordinary income. Surrender charges may apply.
2
Woodmen of the World Life Insurance Society
Home Office: Omaha, Nebraska
1-800-225-3108
www.woodmen.org
An Equal Opportunity Organization
A453 12/07
Don’t Wait – Make 2008 Great
I
n 2008, don’t leave it up to fate.
Debate. Collaborate. Create.
For JOIN HANDS DAY, Saturday, May 3, fix your neighbor’s garden gate.
For Flags Across America, Saturday, June 14, send care packages to troops in Kuwait.
For In Honor and Remembrance, Thursday, Sept. 11, pay tribute to the heroes in your state.
For Make A Difference Day, Saturday, Oct. 25, find a run-down park to update.
The new year is a clean slate –
start planning now to participate in a fraternal date. Your fellow lodge members await.
PERIODICALS
What’s
Different?
Here are the answers to the puzzle.
Under the Big Top!
Here are the answers associated with a circus.
A
R
S
L
L
Y
A
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U
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N
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G
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G G U
N G M
T S P
I U N
G R I
H W L
T R S
R F I
O L D
P E E
E A S
W C H
A I O
L R W
K C F
E U R
R S M
S C U
P A S
O R I
P A C
C V T
O A P
R N J
N W T
Acrobats
Aerial Acts
Arena
Artists
Audience
Band
Calliope
Canvas
Caravan
Circus Animals
Circus Ring
Cirque du Soleil
Clowns
O
A
E
I
N
I
A
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T
I
S
T
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T
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A A
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D A
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W
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Q
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A
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P
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V
N
W
D
F
Costumes
Cotton Candy
Curiosities
Daredevil
Emmett Kelly
Fire Eating
Flea Circus
Gymnastics
J.A. Bailey
Jugglers
Lion Tamer
Magic
Matinee
WC
S A
E Z
S T
B R
MM
C U
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I O
U E
L L
C A
B S
K T
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Q E
F G
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I
S
S
A
W
D
U
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I
Music
Peanuts
Performers
Plate Spinning
Popcorn
P.T. Barnum
Ringling Brothers
Ringmaster
Rolling Globe
Sawdust
Seating
Sideshow
Spangles
M
L
R
N
S
L
G
O
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B
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A
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T
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J
T
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A
P
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Z
E
S
U
M
S
E
A
T
I
N
G
T
K
H
F
U
R
Spectacle
Stage
Stunts
Tent
Three Rings
Ticket
Tightrope Walkers
Tour
Train
Trapeze
Unicyclist