Spring 2011 MemberMAGAZINE - Catholic Financial Life · Members Giving Back 26 Life is Good: Environmental Stewardship - Transforming Our World by Changing Our Ways MemberMAGAZINE

Read about our “green” initiatives & find scholarship info inside

Spring 2011

MemberMAGAZINECatholic Financial Life

2 Catholic Financial Life Spring 2011 read more on the web www.catholicfinanciallife.org

Members of Branch 194-Charlestown, Wis., along with the Pine Creek 4-H Club and Veolia Environmental Service, worked together on a clean-up at St. Martin Heritage Park.

catholicknights.org | 3

“Our earth speaks to us, and we must listen if we want to survive.”

– Pope Benedict XVI, July 24, 2007

Catholic values in action is more than a slogan, it’s how Catholic Financial Life conducts business and how our members live their lives. Our magazine features members bearing witness to our mission by serving God through serving others. Thank you to our members in Charlestown, Wis., for keeping their community clean and green (cover photo).

We are continuously expanding our use of “green” communications with members. At our Web site you can:

• accesscertificateinformation

• initiateservicerequests

• contactanadvisor,and

• applyforandreceivestatusupdatesonfraternalbenefitapplications,includingoureducational scholarships (see page 5).

I encourage you to create your online account to take full advantage of our “green” services. You can read more about Catholic Financial Life’s green initiatives on page 10.

The most important part of being a good steward is caring for your family and making sure they are financially protected. We’re here to help. See pages 14-15 for tips on creating a family financial plan along with a worksheet to help you accumulate more “green”. This worksheet would be a great starting point for the next conversation with your Catholic Financial Life advisor.

It’s been a cold and white winter in Wisconsin and I’m ready for the green of spring to return.

I wish you and yours a blessed Lenten season.

Fraternally,

William R. O’Toole, Jr. President and CEO [email protected] 800-927-2547

P.S.: Green is also the color of my favorite football team, the Super Bowl Champion Green Bay Packers!

www.catholicfinanciallife.org

President’s Message

Top Photo: Bill O’Toole with Archbishop Jerome Listecki of Milwaukee and Bishop Emeritus Louis Gelineau of Providence R.I., at the dedication of the All Saints Chapel at the Catholic Financial Life home office.

Bottom Photo: Members of Catholic Financial Life New England Chapters met with Bill O’Toole during a regional training meeting. Pictured are Marialyse Rivers, Gloria Pilotte, Bill O’Toole, Elaine Caron, Ann Lamoureaux.

Our Mission: Catholic Financial Life, a faith-based membership organization, puts Catholic values in action by: serving God through serving others; providing financial security;andenhancingqualityoflife.

About the cover.

Features5 Educational Scholarships

Available – Apply Online

6 All Saints Chapel – A Statement of Faith

10 Seeing the World through Green-Colored Glasses – Green Initiatives at Catholic Financial Life

11 New England Pilgrimage – Members Gather at the Shrine of Our Lady of LaSalette

16 Member Wins National Honors – Anita Lange Named First Runner Up for 2010 Fraternalist of the Year

17 Sales Leadership News – Promotions for Rogelio Cabral, Ismael Cardenas; Paul Hill Elected NAFIC President

18 Catholic Financial Life’s Top Advisors for 2010 – Our Annual Who’s Who of Advisors

Board of DirectorsExecutive Officers

William R. O’Toole, Jr., Pleasant Prairie, Wis.President and Chief Executive Officer

Allan G. Lorge, Cedarburg, Wis. Secretary/Treasurer and Chief Financial Officer

Elected Directors

A. Raymond Auclair, Narragansett, R.I.Mary Baker, Wauwatosa, Wis.Carla C. Breunig, Menomonee Falls, Wis.Robert Dippold, Maria Stein, OhioWilliam C. Dreyer, New Berlin, Wis.Mildred M. Jandrin, Kewaunee, Wis.Phyllis John, Eaton, Wis.Dennis Kabat, New Holstein, Wis.John Kenawell, St. Louis, Mo.Patrick J. Murphy, Milwaukee, Wis.William R. O’Toole, Jr. Pleasant Prairie, Wis.Paul B. Pinsonnault, North Attleboro, Mass.Charles Rebek, Wauwatosa, Wis.Janet Stelken, Dyersville, IowaThomas VanHimbergen, Shorewood, Wis.Arthur Wigchers, Brookfield, Wis.

Appointed DirectorsMary Bowser, Milwaukee, Wis. Donald W. Layden, Jr., Wauwatosa, Wis.

Spiritual Director

Archbishop Jerome E. Listecki, Milwaukee, Wis.

Magazine Team

Executive Editor: Lee BergEditor: Kari Lueneberg

Catholic Financial Life Magazine is the official publication of Catholic Financial Life, 1100 West Wells Street, P.O. Box 05900, Milwaukee, WI 53205-0900. Published four times a year.

POSTMASTER: Send address changes to Catholic Financial Life Magazine, Catholic Financial Life, 1100 W. Wells Street, Milwaukee, WI 53233. Phone 414-273-6266 or 800-927-2547.

Copyright © 2011 Catholic Financial Life. All rights reserved.

DEPARTMENTS4 A Message From Our Spiritual

Director

8 It’s all About ME (Member Experience): Readership Survey Results, Join our Environmental Discussion

12 Living the Catholic Life: The Gift of Lent – More Than 40 Days Without Chocolate

14 A Teachable Moment: Your Family’s Plan for Financial Success. Start With Our Goal Worksheet

20 Serving God by Serving Others: Members Giving Back

26 Life is Good: Environmental Stewardship - Transforming Our World by Changing Our Ways

MemberMAGAZINECatholic Financial Life

Spring 2011, Volume 2, Issue 1

http://issuu.com/action/page?page=1









































4 Catholic Financial Life Spring 2011 read more on the web catholicfinanciallife.org

Dear Brothers and Sisters in Christ,Before I was named Archbishop of Milwaukee, I had the honor of serving as shepherd to the faithful in the Diocese of La Crosse, Wis.. During my time there, I became familiar with the charitable activities of various fraternal organizations including Catholic Knights and Catholic Family Life Insurance. They were and continue to be valuable partners to the diocese, especially in their support of parishes and schools.

Since accepting the appointment as Spiritual Director for Catholic Financial Life, I’ve learned a great deal more about the organization. Through my meetings with President Bill O’Toole and other board members, it’s become apparent to me that the leadership of Catholic Financial Life is devoted to our Church and its teachings.

This past December, I was joined by the Most Reverend Louis Gelineau, bishop emeritus of Providence, R.I., to celebrate a dedication Mass for your new chapel, All Saints. Catholic Financial Life has made a bold statement of faith by building this chapel at the entranceoftheorganization’sheadquarters.AllSaintsChapelisavisibledemonstrationof your love for Christ and His Church. In a society that is becoming increasingly secular, dominated by materialism and relativism, I admire that your organization is taking a stand on behalf of Christ not only by its words, but in its deeds.

As we enter this holy season of Lent, I encourage you to direct your focus to God, for only through God can we truly enrich and strengthen our lives. Far too many people become entrenched in a desire for material possessions. Rampant consumerism in our culture not only leaves many feeling unfulfilled, but it has a negative impact on God’s creation, our environment. Be wary of the false belief that material things will bring fulfillment to your life.

As your Spiritual Director, I am here to help guide your organization as it extends its hand in service and strengthens the hearts of the faithful. Remember that we belong to Jesus, who suffered and yet remained faithful in His Love for us. During Lent, stand with Christ and open your hearts to His Love.

May God bless the members of Catholic Financial Life with His abundant love and grace.

Sincerely yours in Christ,

Most Reverend Jerome E. Listecki Archbishop of Milwaukee

A MESSAGE FROM OuR SPIRITuAL DIRECTOR

1 A set amount of money is available on an annual basis for scholarships. Eligibility for a benefit does not guarantee receipt of a benefit. All benefits are non-contractual and may be discontinued or modified by Catholic Financial Life at any time.

Apply by March 31, for 2011-2012 ScholarshipsCatholic grade school, high school & college scholarships available

Your membership in Catholic Financial Life gives you access to special member-only benefits. Students who are the primary insured on a Catholic Financial Life certificate or insured under a spousal rider are eligible to apply for educational scholarships. These benefits are one component of membership that makes Catholic Financial Life stand apart.

Scholarship ProgramsMembers are eligible to apply for a number of scholarship programs.1 The application deadline is March 31, 2011.

n Catholic elementary school $200 scholarships (renewable annually) are available for students entering grades 1-8.

n Catholic high school $500 scholarships (renewable annually) are available for students entering grades 9-12.

n College scholarships for $500 (two-year institutions) and $1,000 (four-year institutions) are one-time awards and are not renewable.

No Internet Access? No Problem. Please call (800) 927-2547, extension 6571, for additional assistance.

Apply Online You can now submit your scholarship application online through the Account Access portal on our Web site catholicfinanciallife.org

1) Click on “Account Access”. You can login or register on the next screen.

2) Once you’ve logged into your account. Click on “Member Benefits”.

3) Click on “Educational Benefits”.

4) Click on the scholarship program you would like to apply for to complete the online application.

“During Lent, stand with Christ and open your hearts to His Love.”

–Archbishop Jerome Listecki


The words of Psalm 122 “let us go rejoicing to the house of the Lord” echoed throughout the room as the liturgical musicians called the gathering to worship. Last to process into the room was the Society’s spiritual director, the Most Reverend Jerome Listecki, archbishop of Milwaukee, who would be the principal celebrant at Mass. It was not until he blessed the altar, clothed it in incense, anointed it in holy chrism, and lit the sanctuary lamp did the room of wood and plaster truly become a house of the Lord—Catholic Financial Life’s new All Saints Chapel.

The special event, steeped in centuries-old traditions, was held December 7, the

day before the feast of the Immaculate Conception, our nation’s patroness. It was a fitting conclusion to the final board of directors meeting for 2010.

The chapel’s name “All Saints” has been dramatically brought to life through the gifted hands of Ecuador’s finest native wood carvers, whose work was commissioned exclusively for the chapel. Under the direction of the Franciscan World Missions, the artists created figures of subtlety and warmth. Each face beckons; each pose inspires. Reproduced solely from photographs of statues located around the world, the two-foot carvings of Our Lady of Guadalupe as well as Saints Joseph the Worker,

John the Baptist, Patrick, and Boniface, symbolize the patron saints in tribute to the German, Irish, French-Canadian and Hispanic roots of the Society’s founders and current members.

The three stained glass windows that illuminate and enliven the chapel’s warm earth tones depict Christ with the poor, Christ with the children and Christ knocking on the door. The images in the windows were specifically chosen to symbolize our multi-faceted work of protecting families and children through our insurance programs, our common cause to serve the poor, and our goal to provide not only financial security but spiritual enrichment as well. The

masterfully detailed windows employ bold primary and secondary colors presenting a fresh, modern approach to these age-old stories.

One of the striking features of the chapel is located directly behind the altar between the niches that enshrine the statues of Mary and Joseph. It is the golden tabernacle featuring a motif reminiscent of the rays of the radiant cross that is the hallmark of the Society’s new logo. During the holy liturgy of the Mass it is difficult for the congregation not to focus on the stunning centerpiece and fitting repository of the Holy Eucharist.

Mass will be celebrated at least twice monthly in the chapel during which our members will be remembered with intentions. Members and their families are encouraged to visit the Home Office anytime to see the chapel. Located directly off the main lobby, the chapel is open for prayer from 6 a.m. to 6 p.m. daily. Branches and chapters interested in gathering for Mass are asked to please call ahead for reservations.

All Saints Chapel is a very important addition to Catholic Financial Life. It shows all who enter our building that we are an organization founded on faith.

It is a demonstration of our members’ devotion to Christ, constructed in honor of all members, those current as well as those who came before. Tax-deductible contributions to the All Saints Chapel may be sent to the Catholic Financial Life Foundation, Attn: All Saints Chapel, 1100 W. Wells Street, Milwaukee, WI 53233. If your gift is in honor/memory of someone special, please provide their name so they may be remembered during our prayer intentions.

All Saints Chapel dedication Mass

To watch the dedication Mass, please visit our Web site.

“When you place a chapel at the front entrance of your building, you are making a statement and that statement immediately is to whom your confidence and trust belongs – it belongs to a God whose bountiful love we already know and proclaim.”

–Archbishop Jerome Listecki


“For many families, eating dinner together has become a lost art. What families need to realize is that there is more at the table than the eating of food. Family mealtimes together every night keep the doors of communication open. It’s the perfect time and place to connect and reconnect. Gathering together demonstrates your priorities in life. Sitting across the table is where and when you can find out more about each other: likes, dislikes, daily life. What should we talk about? Better than a restaurant menu, decide together and choose: the favorite part of the day; the greatest challenge of the day; planning and picking tasks, both short-term and long-term; exchanging memories, favorite books, and heaven forbid, favorite television viewing. Ask about classes, assignments, teachers, homework. The benefits of eating together last much longer than the edibles. Oh, how we need to take the family meal off the endangered species list!”

Carol Neuser – Green Bay, Wis.

“My husband and I became empty-nesters this fall but still eat together. In retrospect, we both fondly recall all the dinners we made a point of having together until both children left for college and enthusiastically look forward to when they come home to continue this tradition. Back in the day, all four of us would eat a home cooked meal (no take-out), say the familiar blessing, each adding our special offerings as we went around the table, enjoying each other’s company and conversation. Hopefully, this tradition will mean as much to our children so they will continue to do this when they establish their own homes.

Clare Ann Taylor – Southlake, Texas

“My husband, myself and our little boy (and our dog!) always try to eat together as a family. Our son is only 12 months old, but we feel it’s important to seat him at the table to observe the wonderful conversations we have about our day, about what’s going on in our community and the world, and just communicating with each other in a loving way. We look forward to the day when our son can share his day with us at our family mealtimes.”

Rose Visser – Milwaukee, Wis.

“We had such good times and could laugh and talk at the kitchen table. We’d talk about our days and sometimes, more importantly, the plans for tomorrow. Our middle child, Jamie, was cleaning up after supper and putting on a clean fresh tablecloth since the other needed washing and she said “Oh, this thing, the crumbs just seem to run to it”. It’s the little things like that I remember fondly about our family mealtimes.”

Judith Robida, Stetsonville, Wis.

“We have always eaten our meals together as a family and will continue to unless events dictate otherwise. Those events were the exception, not the rule. This is our time to discuss the day and events happening and to pray together. Both of us, being raised on a farm, knew mealtimes were family times and have kept that tradition alive in our family. We are happy to report our children are doing the same.”

Linda Rosiejka, Helenville, Wis.

What do you think?What are you doing to be a good steward of the environment?In each issue of our magazine we’ll be providing a discussion topic for members. From the responses received, we’ll have a prize drawing for $25. Congratulations to Karen Ballman of Milwaukee,Wis., our most recent winner.

Our new discussion topic is on Catholic environmental stewardship. What are some things you do to save energy or help the environment? Visit the magazine link on our website and join the discussion on our Facebook page to be entered in our drawing. www.facebook.com/CatholicFinancialLife

If you do not have internet access you can mail your response to Member Magazine Catholic Financial Life, 1100 West Wells Street, Milwaukee, WI 53233. The deadline to be included in the drawing is March 31.

In the fall issue of this magazine we asked readers what they wanted to see as we develop content for this publication. Thanks to all who participated and congratulations to Darlene Rae of Sun City, Ariz., the winner of our prize drawing. Here’s a summary of what we learned.

A Name for the MagazineOur goal in selecting a name was to be descriptive of the content provided while reinforcing our new brand. Members submitted numerous suggestions for the name. Some were very creative. From the submissions a few stood out: “Catholic Living”, “The Radiant Cross”, and “First Light.” Most of the names submitted, however, were already in use by other organizations and publications.

“Catholic Financial Life” and “Member Magazine” were the most popular suggestions.

Because the name of our organization is new, it is important that it appears prominently on the magazine’s cover. And often times simplicity is best. Since members are the focus of our organization and the magazine is one

way we seek to enhance membership, we chose to call the magazine exactly what it is—a “Member Magazine.”

What Topics to CoverIn addition to the content topics highlighted above, many members submittedrequestsforrecipes, conservation and money saving tips, spiritually inspirational stories and contests like “Find the Hidden Knight.” Since a knight is no longer part of our identity, in our new publication readers can search for the hidden radiant cross symbol from our logo, beginning with our next issue.

How Members Get Their InformationOver 92% of those that responded indicated that they usually get their information about Catholic Financial Life through the magazine, and 89% prefer to receive the publication in print. We do, however, offer this publication as an E-zine. If you would like to make the switch to our on-line magazine, please visit our Web site and click on the “ContactUs”linktosendyourrequest.

From your table to ours...Here’s what our members are saying about the discussion topic from our last issue, “Family Mealtime.”

2010 Readership Survey Results

Here’s what our readers want to see:

0 20 40 60 80 100 120 140 160

Member profiles 108

Catholic arts and culture

Branch/chapter activities

Health and wellness

Advisor awards and achievements

Faith topics

Contests

Book/movie reviews from a Catholic perspective

Financial topics

136

79

115

113

139

139

94

148

IT’S ALL ABOuT ME...Member Experience

8 Catholic Financial Life Spring 2011


Seeing the World Through Green-colored Glasses Catholic Financial Life looks for opportunities to go green

New England Members Gather in Pilgrimage to Our Lady of La Salette

“Enhancingqualityoflife”isaphrasetaken directly from the mission of Catholic Financial Life. It’s only natural that our organization take a serious look at its ecological footprint. Being environmentally responsible results in more than caring for ourplanet,itenhancesthequalityoflifefor people around the globe. In the spirit of our faith, Catholic Financial Life has made a commitment to adopting initiatives that help to protect and preserve God’s creation. Following are some of our “green” initiatives.

Reduce As an organization with 126,000 members, the amount of paper we use is significant. We’ve implemented a number of Web-based computer applications to help us reduce our paper consumption. These programs allow associates to access information on-line, eliminating the need for printed reports to gather information.

We offer electronic statements to members. To sign up, please visit our Web site and use our on-line Account Access feature. (See the back cover for more details.)

This magazine is printed on paper with 30% post-consumer recycled content. It also has been certified by the

Forest Stewardship Council (FSC), the Sustainable Forestry Initiative (SFI) and the Programme for the Endorsement of Forest Certification. Certification ensures that the paper’s fiber comes from well-managed and responsibly-harvested forests.

We offer this publication as an E-zine. To sign up for the electronic version and stop the paper copy, please visit our Web site and click on the “Contact Us” link to send yourrequest.

We have a new, more energy efficient sign on our building. The new sign utilizes LED technology, resulting in a 60% reduction of energy use when compared to the previous neon sign.

In our building, we’ve also upgraded theHVACequipment’spumpsandmotors to high efficiency units. We have an automation system that cycles our equipmentonandofftosavemoney.All toilets, showers, faucets, and clothes washers are now high efficiency low flow units. Newly installed is a “green machine” to handle our cooling tower water chemistry.

RecycleCatholic Financial Life has implemented a recycling program for paper, aluminum and plastic.

It’s a tradition that traces its roots to the early 1950s when thousands of faithful from across New England would annually gather at the National Shrine of Our Lady of LaSalette in Attleboro, Mass. Members of Union Saint-Jean-Baptiste (USJB), then the largest fraternal benefit society for Americans of French descent, would pray in the outdoor chapel of the ever-expanding pilgrimage site located on the grounds of the provincial house of the LaSalette Fathers. The liturgy and homily were completely in French as was the social that followed.

Times have changed. Since the merger in 1991 with Catholic Family Life Insurance and in 2010 with Catholic Knights, the former USJB members are now the base of the New England membership of Catholic Financial Life. The pilgrimage

has changed as well. The annual event held the Sunday after Labor Day is now celebrated in both English and French. The centerpiece of the beautifully landscaped grounds is an indoor chapel seating 1,000 faithful. Those who now attend this popular event may meditate on the Passion of Christ at the Stations of the Cross Garden or pray at the Rosary Pond featuring a larger-than-life rosary ringingthetranquilwaters.

The 2010 edition of the nearly 60-year-old pilgrimage featured family activities including a petting zoo, face-painting, pony rides and arts and crafts. While the aroma of traditional French-Canadian foods filled the air, folk songs brought many to the dance floor as Collette Fournier and her band accompanied on fiddle, organ, harmonica, and guitar.

As in the past, the central purpose of the day is the celebration of Mass. The celebrant was Bishop Emeritus of Providence, R.I., the Most Reverend Louis E. Gelineau. Assisting him as altar servers and lectors were young Catholic Financial Life members. Liturgical music was provided by the Ocean State Children’s Choir.

The event brings together Catholic Financial Life members from throughout New England in worship, in community, and in honor of their heritage. The pilgrimage is an annual opportunity for members to renew their common bond, strengthen their faith, and hand down traditions to the next generation.

Benefits of Recycling*It takes 95 percent less energy to recycle aluminum than it does to make it from raw materials. Making recycled steel saves 60 percent, recycled newspaper-40 percent, recycled plastics-70 percent, and recycled glass-40 percent.

Brutal wars over natural resources, including timber and minerals, have killed or displaced more than 20 million people and are raising at least $12 billion a year for rebels, warlords, and repressive governments. Recycling eases the demand for these resources.

In the United States, processing minerals generates almost half of all reported toxic emissions from industry, sending 1.5 million tons of pollution into the air and water each year. Recycling can significantly reduce these emissions.

*Information compiled by D. Burden Bates

and published on the World Wide Web as A

Recycling Revolution at:

http://www.recycling-revolution.com

“God looked at everything he had made, and he found it very good.”

Genesis 1:31



Layered with tradition and symbolism, Lent serves to deepen faith and renew our baptismal commitment. Lent invites us to participate in the Sacrament of Reconciliation enabling us to give of ourselves more completely to Christ in a life renewed.

The Lenten season asks that we pray, fast, and give to those in need. Daily practice of these acts helps to bring

about spiritual renewal, just as we witness the earth renewing itself at spring. The word, “Lent” in fact is derived from the Anglo-Saxon word for spring, “lengten.”

For many, the word “Lent” first brings to mind the idea of giving up something. The Carnival season ending with Mardi Gras or Shrove Tuesday is celebrated in anticipation of the coming weeks of

fasting. Sadly many who celebrate do so without ever reflecting on the spiritual gift offered by the activities so important to Lent.

The sacrifice we make through fasting, abstinence, or doing something extra, serves a greater purpose than demonstrating self-denial in the name of our faith. It reminds us of Christ’s sacrifice to remove our sins and give us

Catholic Financial Life Sponsors Fourth Season of Living Our FaithCatholic Financial Life is proud to continue its sponsorship of “Living Our Faith”, a faith-filled, inspirational television program, featuring Catholic Financial Life Spiritual Director Archbishop Jerome Listecki.

Guests this season will include Dr. Kathleen Cepelka, superintendent of Catholic schools; Dr. Dan Scholz, Cardinal Stritch University; a psychologist Lynne Berendsen; and our Society President and CEO Bill O’Toole. The archbishop will also talk about a wide array of topics. The Church’s position on stem cell research and euthanasia; declining Mass attendance; exorcisms; other gods; and the filing of Chapter 11 Reorganization by the Archdiocese of Milwaukee will all be points of discussion.

In addition to the inspirational guests and topics, each program will feature the “Ask a Priest” segment, and a closing reflection given by Archbishop Listecki.

The 13-week series airs on WISN TV 12 (Milwaukee area) most Saturdays until Easter. Please check your local listing or the Living our Faith Web site for the program schedule. If you live outside the viewing area, programs can also be viewed at the Living Our Faith Web site, livingourfaith.net and Time Warner Cable’s Wisconsin On Demand.

The Gift of Lent – more than forty days without chocolate

LIVING THE CATHOLIC LIFE

Following the often hectic schedule and outward celebration of the Christmas season, Lent presents us with an amazing gift. The season of Lent grants us the opportunity to turn inward as we are called to reflect on our transgressions, discern our commitment to living the gospel, and experience a renewal of spirit.

Ideas for Enriching Your Lenten Experience Pray, pray, and pray some more. Prayer can take many forms. During Lent make more time for prayer in your life. Find your voice when praying alone and join your voice with others in community. Open yourself to watch for and listen to guidance from God. Pray for vocations, pray for those new to the faith, as well as those who’ve fallen away. Pray for our troops. Pray for those who’ve lost jobs. Visit the prayer intention section at our Web site and offer your prayers for those

who’ve asked for assistance. The need for prayer is endless.

Add goodness to your life. Lent isn’t only about sacrifice. Identify something negative in your life and work to change it or replace it with something positive.

Practice forgiveness. Just as you examine your own sins and ask for absolution, make an effort to forgive others.

Focus on faith for forty days. Be more aware of your daily choices. What do you

watch on television? What music are you listening to? What books and magazines are you reading? What Web sites are you visiting? Ask yourself, “Is what I am consuming nourishing my soul?”

Live simply and add peace to your life. Unplug or limit access to electronics. Slow your schedule down and focus on the things that really matter—your faith, family, and helping others.

Exchange a daily habit for a donation. Do you pick up coffee on your way to work? Make your coffee at home during

Lent and donate the money you save to charity.

Invite a friend to church. Make a special effort during Lent to share your faith with others. Practice one-on-one evangelization.

Volunteer to help the poor – and bring the kids.

Join our discussion on Facebook and tell us your plans for Lent.

a life renewed. It also reminds us of Christ’s charity and our responsibility to help alleviate the suffering of others. As Scripture tells us in Isaiah 58: “This rather, is the fasting that I wish: releasing those bound, setting free the oppressed and homeless, sharing your bread with the hungry, clothing the naked and not turning your back on your own.” So Lent calls us to look within our hearts and reach out in service to others.

Receiving the gift offered by Lent requiresaction.Whileitsmeaningcanbe deep and challenging, the things we needtodoaresimpleinanexquisitelybeautiful way—to pray, to fast, and to be charitable. The Lenten experience shows us that by living simply, our lives can become abundantly full in spirit through our faith in Christ.

Lent calls us to look within our hearts and reach out in service to others.

read more on the web catholicfinanciallife.org14 Catholic Financial Life Fall 2010

While a family can never be certain what the future holds, it’s startling how few families have a plan in place to achieve their financial goals. Sixty-eight million American adults have no life insurance and lack the financial safety net it provides in the event tragedy strikes. The cost of educating our children continues to escalate as the availability of financial aid diminishes. Baby boomers are ill-prepared for retirement as fewer than half have saved enough money to live the lifestyle desired in their golden years. In general, families are spending much more than they save, resulting in a mountain of debt.

How comfortable are you that your family will be able to achieve its hopes and dreams? Let Catholic Financial Life help you write your family’s plan for success. It’s easier than you may think and now is the perfect time to start! Here are the basics:

1) Set Your Financial Goals – No matter where you are in life, you should have specific financial goals. Your goals are the things you want to make the future brighter for you and your family. It’s easy to come up with some general goals…“to be successful”…“to be financially secure”…“to live the good life,” and so on. It is much more productive to work toward goals that are specific. They may include suchthingsashavinganadequateemergencyfund,reducingdebt,purchasinga new or second home, funding your children’s college education, a comfortable retirement or the capital to start a business.

2) Prioritize Your Goals – Once you have clearly identified your goals, it’s key to prioritize them. For each goal, you can estimate the time frame needed for it to be accomplished. Some goals are long term. Others are short-term goals you want to achieve in five years or less.

3) Analyze Your Current Situation – Determine – on paper – what you own and what you owe, how much you earn and how much you spend. Are you saving any money for the future? How will you obtain the necessary funds within your desired time frame for each goal? By doing just this much, you have created your family’s financial statement.

4) Develop a Plan – Do you have planning strategies already in place to achieve your goals? Your overall plan should include some or all of the following areas:

n Life insurance and disability planning n Retirement planningn Investment planning n Estate planningn Education fund planning

5) Monitor Your Plan – Financial planning is an ongoing process as needs and goals will change at different stages of your life. Review and update your plan at least once a year or any time a major life change occurs such as buying a home, getting married, changing jobs, having a child, or beginning retirement.

Now is the time to get on track to achieve your hopes and dreams. On the next page is a goal-setting worksheet to help you get started. Use a separate worksheet for each specific goal you identify. Most importantly, we’re here to help you plan for your family’s success. Contact your Catholic Financial Life Advisor today. If you’re not sure who your advisor is, please call 800-965-2547.

Daniel Lloyd, CPA, FLMI, CLU, ChFC Advisor, North Shore Wisconsin Agency

Your Family’s Plan for Success

To learn more about setting your financial goals, visit the Financial Planning section at catholicfinanciallife.org


The returns shown above do not represent the actual results of any particular investment. The factors assume monthly compounding. If inflation ishigher or your returns are lower, you will need to invest more to reach your goal.Source: NPI

A TEACHABLE MOMENT: FINANCIAL RESOLuTIONS

TABLE 1: INFLATION/RETURN FACTORS

Annual Inflation Rate/ Investment Return Goal Time Frame (Years)

1 2 3 4 5 10 15 20 25 30 40

3% 1.03 1.06 1.09 1.13 1.16 1.35 1.57 1.82 2.12 2.46 3.32

4% 1.04 1.08 1.13 1.17 1.22 1.49 1.82 2.22 2.71 3.31 4.94

5% 1.05 1.10 1.16 1.22 1.28 1.65 2.11 2.71 3.48 4.47 7.36

6% 1.06 1.13 1.20 1.27 1.35 1.82 2.45 3.31 4.46 6.02 10.96

7% 1.07 1.15 1.23 1.32 1.42 2.01 2.85 4.04 5.73 8.12 16.31

8% 1.08 1.17 1.27 1.38 1.49 2.22 3.31 4.93 7.34 10.94 24.27

9% 1.09 1.20 1.31 1.43 1.57 2.45 3.84 6.01 9.41 14.73 36.11

10% 1.10 1.22 1.35 1.49 1.65 2.71 4.45 7.33 12.06 19.84 53.70

TABLE 2: ANNUAL SAVINGS FACTOR

Average Annual Return Goal Time Frame (Years)

1 2 3 4 5 10 15 20 25 30 40

4% .982 .481 .314 .231 .181 .081 .049 .033 .023 .017 .010

5% .977 .476 .310 .226 .176 .077 .045 .029 .020 .014 .008

6% .973 .472 .305 .222 .172 .073 .041 .026 .017 .012 .006

7% .968 .467 .301 .217 .168 .069 .038 .023 .015 .010 .005

8% .964 .463 .296 .213 .163 .066 .035 .020 .013 .008 .003

9% .959 .458 .292 .209 .159 .062 .032 .018 .011 .007 .003

10% .955 .454 .287 .204 .155 .059 .029 .016 .009 .005 .002

Goal1. Years until money is needed .......................................................................................

2. Total amount needed for goal in today’s dollars .................................................

3. Inflation factor (from Table 1; our example assumes 4% average annual inflation) .................

4. Projected future value of amount needed .............................................................

5. Amount already saved toward goal ..........................................................................

6. Return factor (from Table 1; example assumes 7% return) ...........................................................

7. Projected future value of amount saved .................................................................

8. Additional money needed to reach goal (subtract #7 from #4) ....................................................................................................

9. Annual savings factor (from Table 2; example assumes 7% return) .............

10. Annual savings needed .................................................................................................

11. Monthly investment needed to reach goal ............................................................

Down payment for a home

3

$20,000

× 1.13

$22,600

$7,000

× 1.23

$8,610

$13,990

× .301

$4,211

÷ 12 months

$351

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____________

____________

×____________

____________

____________

×____________

____________

____________

×____________

____________

÷ 12 months

____________

Goal WorksheetExample


After just two short years of service with Branch 1038 in Saint Louis, Missouri, Anita was awarded First Runner-Up for the 2010 National Fraternalist of the Year. The annual award is presented by the American Fraternal Alliance and honors individuals for outstanding fraternal service.

Anita began her fraternal journey with Catholic Financial Life by getting involved in various branch committees and assisting with meeting preparations. Soon she would serve as chairperson for various events with her branch and St. Mathias Parish. According to Branch President Sandy Jacobs, “From the moment Anita became a member of Branch 1038 in St. Louis she hit the ground running.”

And run she did. As an extremely active volunteer, Anita Lange and Branch 1038 sponsored and co-sponsored numerous benefits that raised thousands of dollars for charities, including Catholic Financial Life’s national partner, the Society of St. Vincent de Paul (SVdP). Anita took on the role of official liaison with the SVdP conference at St. Mathias Parish and last year co-chaired the first SVdP Friends of the Poor Walk sponsored by her parish. She was instrumental in organizing and co-sponsoring theseactivitiesandfrequentlyencouragedotherstogetinvolvedinoneofthemanyactivities sponsored by her branch. Representing Catholic Financial Life as a member of the Missouri Fraternal Congress, Anita organized a bingo party for local veterans undergoing rehabilitation. She also attended the Congress’ annual convention and assisted in the Toys for Tots campaign.

In addition to her branch service, Anita is also an active community and parish volunteer. She is an active participant in the Community Access Committee for her local school district. She also coordinates blood drives and the annual Christmas Giving Tree at the local Walmart, where she works as a department manager. Additionally Lange has served on the St. Mathias Parish Liturgy Committee for the last 20 years, is a cantor, a lector, and is a member of her parish’s activity committee.

From the fraternal support she provides to her local branch, her commitment to community service, and the way in which she mobilizes youth and adults to work together in community partnerships, Anita Lange exemplifies what it takes to be a true fraternalist.

Volunteering is a substantial part of Anita Lange’s life. Asamotivatorandexcellentrolemodelshefrequentlygives her time to helping others in her community and her parish.

Catholic Financial Life Volunteer Anita Lange Wins National First Runner-Up for 2010 Fraternalist of the Year Award

Rogelio Cabral named Vice President of SalesRogelio Cabral, FIC, has been promoted to Catholic Financial Life’s Vice President of Sales. In this role, he will lead the Society’s sales operation in the 26 states in which Catholic Financial Life is licensed.

Rogelio joined Catholic Financial Life seven years ago and was promoted to regional manager in his second year with the Society. He has been responsible for the development of the Society’s presence in the Hispanic market and its first Hispanic

agency. Prior to joining Catholic Financial Life, Rogelio spent 17 years in insurance and retail banking.

Rogelio serves on the Sales and Fundraising Committee for the Hispanic Entrepreneurs of Wisconsin and is a member of the United Community Center’s “Wall of Fame.” He holds a Bachelor of Science degree with a major in Finance from the University of Wisconsin - Milwaukee.

Regional Manager Paul Hill Elected NAFIC PresidentPaul Hill, FIC, LUTCF, has been elected to serve as president of the National Association of Fraternal Insurance Counsellors (NAFIC). NAFIC is a trade association dedicated to promoting professionalism and continuing education, as well as a belief in the fraternal ideals of God, family, patriotism and service to humanity among its members. Paul’s election is a testament to his position as a well-respected leader in the fraternal insurance industry. Paul will preside at the next NAFIC convention to be held in Louisville, Ky., in May.

Paul has been a dedicated advisor with Catholic Financial Life for 23 years. In 2008, Paul was promoted to a district manager. He was elevated to regional manager for the Southwestern Wisconsin/Northeastern Iowaagencyin2010.Paulhasqualifiedforour Leaders Conferences at the President’s Club level for numerous years, and has consistently received the Quality Business Award. He also received the President’s Field Manager Award for 2009. Paul actively serves 10 branches in southwestern Wisconsin and Iowa.

Ismael Cardenas promoted to Regional Manager Ismael “Ish” Cardenas, FIC, has been promoted to Regional Manager of the Milwaukee Central Agency.

Ish, who joined Catholic Financial Life six years ago, has been a district manager for the past three years. He has consistently been recognized for outstanding sales and service, qualifyingfortheSociety’sDirectorsCluband 100 Lives Club in 2010. Ish has been instrumental in developing the Milwaukee Central Agency.

Ish serves on the board of the Council for Spanish Speaking, is an active member of the Hispanic Entrepreneurs of Wisconsin, and has served on the Fundraising Committee for Milwaukee Municipal Court Judge Phillip Chavez.

Ish holds a bachelor of science degree withamajorinfinancefromMarquetteUniversity and a Masters in Business Administration from Cardinal Stritch University.

“Anita routinely “sings the praises” of her branch and Catholic Financial Life, inviting others to get involved in one of the many activities sponsored by Branch 1038.”

– Sandy Jacobs, Branch 1038 President

Announcements in Sales Leadership



2010 President’s ClubAdvisorsJohn Augustine, FIC, LUTC Bill Klein, CLU, ChFC, FIC, LUTCF Rick Kremel, CLU, LUTCF, ChFC, FIC

Field Managers Paul Hill, FIC, LUTCF Dom Marino, LUTC Jim Piette, CLU, ChFC, FIC Jim Schaefer, FIC, CLU, ChFC, Mike Soczka, CLU, LUTCF, FICF

Vice President’s Club AdvisorsDan Bastarache, FIC Denny Kuss Mike LaVoy Pat Polster Steve Schultz, FICF Karen Stiles, FIC, LUTCF Matt Tomlinson

Field ManagersJeff Long, FICF

Director’s Club Laura Adame Ish Cardenas, FIC

Million Dollar Round Table John Augustine, FIC, LUTC Bill Klein, CLU, ChFC, FIC, LUTCF Rick Kremel, CLU, LUTCF, ChFC, FIC

100 Lives Club John Augustine, FIC, LUTC Ish Cardenas, FIC Jason Holt Karen Stiles, FIC, LUTCF

2010 Rookie of the Year & Roger Holthaus Rookie Award Matt Tomlinson

2010 John Schneiger Rookie Award Pat Polster

2010 Leading Life Producers Bill Klein, CLU, ChFC, FIC, LUTCF Steve Schultz, FICF

2010 Leading Total Producers John Augustine, FIC, LUTC Ron Robida

2010 President’s Field Manager Award Mike Soczka, CLU, LUTCF, FICF

2010 District Manager Award Steve Mathie, FICF

2010 Michael Stivoric Fraternal Life Award Kathie Ramthun, FIC, LUTCF, CLU

Career Advisor Life Production AwardLaura Adame John Augustine, FIC, LUTC Bill Klein, CLU, ChFC, FIC, LUTCF Rick Kremel, CLU, LUTCF, ChFC, FIC Jim Piette, CLU, ChFC, FIC Karen Stiles, FIC, LUTCF

New Member Growth AwardLaura Adame John Augustine, FIC, LUTC Ish Cardenas, FIC Penny DeCheck Dalila Diaz-Dirnbauer Curtis Eberle, FIC Armando Gonzalez Cortes Jason Holt Ida Martinez Kenna Mililli Kathie Ramthun, FIC, LUTCF, CLU Cory Ruefer Karen Stiles, FIC, LUTCF Matt Tomlinson

Catholic Financial Life’s Top Advisors for 2010In early February Catholic Financial Life advisors and sales managers gathered for a day of continuing education and an evening of recognition. Catholic Financial Life is committed to recruiting and maintaining highly educated and knowledgeable advisors. Ever changing insurance regulations and economic issues make it essential for our advisors to stay on top of industry trends. Annuities were the topic of study this year as advisors had the opportunity to earn four continuing education credits.

With the conclusion of the training session, advisors came together to honor their colleaguesduringanawardsbanquet.NationallyrecognizedspeakerandtrainerRoger Seip took to the podium that evening to both educate and entertain the group. He spoke about the importance of developing and maintaining a positive attitude. President Bill O’Toole and Catholic Financial Life’s new Vice President of Sales Rogelio Cabral addressed the group, thanking our advisors for their loyalty and hard work, as well as their efforts to bring new members to our organization.

The program continued with an awards ceremony recognizing Catholic Financial Life’s top advisors and field managers. The following page lists the top awards presented during the evening’s program.

“I was thrilled to see the excitement as our advisors received awards for their accomplishments. I can only imagine the energy at next year’s celebration!”

Rogelio Cabral, Vice President of Sales


SERVING GOD By SERVING OTHERS

Branch 266, New Holstein, Wis., teamed up with Divine Savior Catholic School for their Dutch Apple Pie fundraiser. Over 200 volunteers came together for two full days of pie-making. They started their work at 5 a.m. and kept working until late into the night. Over 4,000 pies later, the event raised a total of $26,045 for the school.

MarquetteStudent-AthleteAdvisoryCommittee(SAAC)presidentandCatholicFinancial Life Intern Joe Kohut and Vice President of Fraternal John Borgen present a matching funds check to the Society of St. Vincent de Paul’s Lin Fischer. The SAAC raised over $1,000 to support the Society of St. Vincent de Paul.

Sisters Haley and Hanah Ligman play Bingo with a resident of Whispering Pines Nursing Home. Their Daisy troop along with members of Branch 11, Wisconsin Rapids/Stevens Point, Wis., also gave out bingo prizes, Girl Scout cookies, and made crafts with the residents.

Veterans were honored at Villa Loretto and Vila Rosa Assisted Living on November 11, 2010. Flowers, donated by the Fond du Lac Chapter WI-60, were presented to each veteran and a service was held in the chapel. After lunch residents were entertained by a singer presenting patriotic music and bingo. (Left to right) Ray Wirth, David Horn, Howard Wegner, and Harold Schneider.

Branch 564, Hallettsville, Texas present a Matching Funds donation to Lavaca Assistance Ministry Body (LAMB). Pictured are Jackie Robertson (LAMB), Kathleen Steinocher (event chairperson), Bill Curley (LAMB), and Bea Wyatt (branch treasurer).

OnDecember9,membersofBranch318,Mequon/CedarburgandBranch89,MilwaukeeNE,Wis.,visitedwithmorethan1,000studentsofSaintRoseandSaint Leo Catholic School and Messmer Preparatory School. In addition to leading a prayer service with the students at both locations the branch shared sweet holiday treats and a special Christmas ornament with each child from K4 through grade 8.

“We are carriers of God’s love and whoever you are, you can become one also.”

–Mother Theresa

Members Giving Back



1. Taking part in JOIN HANDS DAY were members of Chapter 441-Westport, Mass., and their adopted school and partner, the Montessori School of the Angels. Members of the faculty, chapter, and school children saluted our veterans by recogniz-ing their military service with a patriotic program. All beamed with pride as they remembered the freedoms we all enjoy today thanks to all the men and women who have served our country.

2. Members from Wisconsin Branches 278, Paris; 202, Racine; and 151, Kenosha enjoy a hay ride as part of the joint branch Halloween Party. Other activities included bobbing for apples, stuffing scarecrows, and painting pumpkins. Members were also asked to donate non-perishable food items for the poor.

3. Branch 943, Cassella, Ohio, held their annual family picnic on September 19, 2010. They had lunch, a short meeting, handed out door prizes, games for the children, card playing and a bean bag tournament.

7. Members of Valley Chapter WI-25 enjoyed an afternoon family bowling December 4 at the My House Bowling Alley Lanes in Kaukauna, Wis.

8. Chapter 395-Orleans, Vt., held a harvest dinner for approximately 275 diners. (Left to right): Andre Williams, Gus Breton, Rita Breton, and Joanne Wil-liams took a few moments from cooking to smile for the camera.

9. Rock River Chapter WI-19 volunteers Philip and Phyllis Sillman present a $500 check to the Society of St. Vincent de Paul Lake Mills Conference Director Henry Mess and store manager Peggy Draeger. In addition to their work with the chapter, the Sillmans volunteered more than 500 hours during 2010 at the Lake Mills Society of St. Vincent de Paul store.

4. Zachary Olson of St. John Elementary School, was presented with a 2010 Student of the Year Award by Mike McNamee, advisor for the North Western Wisconsin Agency. Zachary received a $50 savings bond, a certificate of achievement and his name will appear perma-nentlyontheschoolplaque.(Lefttoright)MikeMcNamee, Zachary Olson and Sister Mary Ann Wutkowski, principal.

5. Marilyn Wendel, secretary of Branch 1118, St. Joe, Ohio, presents a statue to 75-year member Mary Ellen Thompson.

6. Rosie Sweere, of Branch 157, Hilbert, Wis., presented a matching funds check to the Hilbert Boy Scouts. The funds were raised at a 4th of July Picnic food stand where members served cheese sandwiches, nachos and ice cream sundaes.

10. A soup dinner was held by members of Branch 195, Bakerville, Wis., at the Corpus Christi Church. Many local families came out to enjoy homemade soups and freshly baked pies. The event raised funds for the Church’s Parish Council of Catholic Women.

11. Advisor Larry Schneider (second from right) joined members from Chilton Chapter WI-09 for a chapter picnic and potluck lunch.

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12. Branch 141, Jefferson, Wis., sponsored a family with five children through the Christmas Neighbors program, a program that provides toys to families in need during Christmas. The branch presented a matching funds check to the organization at their Christmas party. Members from the branch also volunteered their time, helping with toy distribution. Above: Secretary Linda Rosiejka prepares for a toy delivery.

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1. District Manager Steve Schultz and Advisors Jenny Rosine and James Gundrum present a Catholic Financial Life Rosary to West Bend Chapter WI-43 member Clara Moll, while her daughter Mary looks on. Clara turned 100 in December and on that same day celebrated 50 years of membership. She has lived in the same house in Barton, Wis. for 96 years. The schoolchildren in town sent her birthday cards and the historical society gave her a framed historical print. Clara lives by the philosophy to, “Treasure every day, be kind, have fun and pray.”

2. Branch 82, Waunakee, Wis., presented a matching funds check to Ralph Middecamp (second from left) of the Society of St. Vincent de Paul. The branch raised funds for St. Vincent de Paul through a fish fry attended by more than 560 people. Also in photo: Ken Kiefer, Doris LaBarre, and Advisor Bill Klein.

3. Branch 6, Appleton, Wis., members Betty and Roy Conrad sell kringles after Mass at St. Thomas More Parish as a part of a fundraiser for the church.

4. Members from Branch 194, Charlestown, Wis., delivered food baskets to elderly and shut-ins for St. Vincent de Paul.

5. Steven Honish of Indian Creek Chapter WI-18, keeps the kids entertained at the farmers market in Tomah, Wis., by giving them rides. The farmers market was a part of St. Mary’s Fall Festival. Funds raised at the event will help with church expenses.

6. Karen Bein and Rita Fellenz of Branch 279, Hartford/St. Lawrence, Wis., prepare Christmas packages for soldiers. The branch purchased the gifts hoping to send a little bit of home to our troops.


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Member-Family honored with 25th Annual Strangers & Guests Award The Kevin and Janeen Eberle family, of rural Richland County, Wis., are the recipients of the La Crosse, Wis., Diocesan Strangers & Guests Award for 2010. The award recognizes a Catholic farm family who shows strong parish and community involvement, as well as farming practices which exemplify Christian ideals in rural stewardship.

The annual award is given as part of the Rural Life Day celebration sponsored by the diocese. As members of Sacred Heart Parish in Lone Rock, Wis., the Eberle’s are very active serving as ushers, lectors and council members. Currently Janeen Eberle serves as vice president of the parish’s Altar Society.

Kevin and Janeen have been married for 26 years and have four children – Stephanie, Rebecca, Julie and Scott. The family’s faith in God and their determination to succeed in the face of difficulty explains why this dairy farm family is so passionate and appreciative of the fruits of their labor.

Farming allows the Eberle family to nurture what God has given them and faith is an integral part of their everyday farming life. As second-generation farmers working their land, Kevin Eberle realizes the benefits of faith and his father’s devotion for their land, which ultimately led to his own aspiration to reap and sow.

Rock River Chapter Wins Lodge of the Year AwardCatholic Financial Life’s Rock River Chapter WI-19 was recently named the 2010 Lodge of the Year by the Wisconsin Fraternal Congress (WFC). Rock River, through its many social and benevolent activities, truly embodies the ideals of fraternalism. As part of the award, the chapter received a $250 donation to the charity of their choice, the Cystic Fibrosis Foundation.

Rock River earned the award based on chapter-sponsored activities held throughout the previous year. From fundraisers to fun-filled friend-raisers, Rock River raised a total of $16,800 (including matching funds) to benefit organizations such as Tomorrow’s Hope, the Cystic Fibrosis Foundation, the Jefferson Literacy Council and the Saint Lawrence Council of Catholic Women. The chapter held a very successful bag decorating event for Tomorrow’s Hope that raised $4,500 to help support local health care organizations. A kickball tournament, kringle sale, walkathon, silent auction and a Comedy Sportz performance were also held to benefit other groups and parishes within their community.

In addition to the fund-raising activities, the chapter partnered with St. Joseph’s School during TV Turnoff Week, providing volunteers to read to kindergarteners. The chapter also organized Christmas parties at two different parishes, baked cookies for local seniors for Valentine’s Day delivery and sponsored bingo for residents of the Brook Gardens Senior Center.

Top Photo: The Eberle family: (L to R) Stephanie Potter, Kevin Eberle, Julie Eberle, Janeen Eberle, Scott Eberle, and Scott Potter. Not pictured is Rebecca Eberle who is studying at UW-Stevens Point. (Photo credit: Joseph O’Brien, The Catholic Times, La Crosse)

Bottom Photo: Officers from the Rock River Chapter WI-19 receive the Wisconsin Lodge of the Year award at the annual meeting of the Wisconsin Fraternal Congress. (L to R) Vice President of Fraternal Outreach Joe Gadbois; Rock River Officers Mary Neff, Phyllis Sillman, Kathi Miller, Bonnie Bull, Barb Schmitt; Catholic Financial Life President and CEO Bill O’Toole.


Care for the natural world has been a long-standing tradition of the Church and its teachings. From the Book of Genesis in which God gives mankind dominion over His creation, to the writings of St. Francis of Assisi, the patron saint of the animals and the environment, scripture calls us to be good stewards of His creation.

Environmental issues were a focus for the United States Conference of Catholic Bishops (USCCB) in their 1991 statement, “Renewing the Earth.” In it, the USCCB calls for a sacramental view of the universe, stating: “Reverence for the Creator present and active in nature, moreover, may serve as grounds for environmental responsibility. For the very plants and animals, mountains and oceans, which in their loveliness and sublimity lift our minds to God, by their fragility and perishing likewise cry out, ‘We have not made ourselves.’ God brings them into being and sustains them in existence. It is to the Creator of the universe, then, that we are accountable for what we do to preserve and care for the earth and all its creatures.”

In Pope Benedict XVI’s 2010 message for World Peace Day, he remarks, “It is becoming more and more evident that the issue of environmental degradation challenges us to examine our lifestyle and the prevailing models of consumption and production, which are often unsustainable from a social, environmental and even economic point of view. We can no longer do without a real change of outlook which will result in new lifestyles.”

Further, Pope Benedict stressed the need to find real solutions aimed at environmental progress. Leading by example, the Vatican became the first carbon-neutral sovereign state in 2008 through its solar energy initiatives and reforestation efforts.

Pope Benedict wasn’t speaking only to Catholics in his message. It was a call to the global community – for individuals, families, neighborhoods, and nations, to work together and transform our way of life, to identify the things we can do and to act upon them. By doing so, we preserve God’s creation, we foster peace.

Editors note: See page 8 to join our discussion on the environment.

Environmental Stewardship A Call to Protect and Preserve God’s Creation

LIFE IS GOOD

Five Things You Can Do for the Planet – While Saving Money Too.1. Lose the plastic bottles: Water bottles account for 1.5 million tons of

plastic each year. Switch to a stainless steel reusable bottle. If you’re worriedaboutwaterquality,installafiltersystemonyourfaucet.

2. Use solar power to dry your clothes: Remember the days of hanging laundry out-to-dry. Go old school and install a clothes line. If the weather’s not cooperative, consider using dryer balls to speed up drying time and eliminate dryer sheets.

3. Shop locally: Transporting food causes increased emissions. Shop at a local farmers market or choose to join a Community Supported Agriculture (CSA) program for organic produce. CSA programs are typically structured so that you purchase a “share” of a farmers produce in advance. As foods are harvested you will receive regular deliveries of fresh foods throughout the growing season. For more information on Community Supported Agriculture, you can visit localharvest.org.

4. Make some changes around your home to save energy: There are dozens of things you can do to make your home more efficient without a lot of effort. A visit to your electric/gas provider’s Web site can get you started.

5. Compost your yard and kitchen waste: By building a compost bin in your yard, you can decrease what you’re sending off to the landfill. You’ll enjoy the added bonus of being able to add some very nutrient rich material to your garden.

Seven themes for environmental responsibility as noted in the USCCB statement “Renewing the Earth”

n a God-centered and sacramental view of the universe, which grounds human accountability for the fate of the earth;

n a consistent respect for human life, which extends to respect for all creation;

n a worldview affirming the ethical significance of global interdependence and the common good;

n an ethics of solidarity promoting cooperation and a just structure of sharing in the world community;

“Creation proclaims the glory of God.” Daniel 3:56-82

n an understanding of the universal purpose of created things,whichrequiresequitableuseoftheearth’sresources;

n an option for the poor, which givespassiontothequestforanequitableandsustainableworld;

n a conception of authentic development, which offers a direction for progress that respects human dignity and the limits of material growth.

Catholic values in action.

Milwaukee, Wisconsinformerly Catholic Knights/Catholic Family

catholicfinanciallife.org

Did you know that you can access your Catholic Financial Life account information anytime, day or night, at our Web site? While this service has been available to former Catholic Knights members since 2009, it has been expanded to include all members of Catholic Financial Life. What’s more, insured members can now log on to apply for a variety of member benefits, including scholarships. (See page 5 for scholarship information.)

Owners of life insurance contracts and annuities can view:

n A summary of the contracts you own

n Contract detailsn Loan informationn Billing/premium informationn Beneficiary informationn Annual statementsn Tax statementsn Service forms

To create your account:

1) Visit catholicfinanciallife.org and click on “Account Access.”

2) Click on the “Register Here” link.

3) Complete the online registration form and click “Create Account.”

4) You will receive a verification email from Catholic Financial Life. Note: If you have an email spam filter, make sure to allow emails from catholicfinanciallife.org

5) Once you receive the email, click on the verification link contained in the email. Once verified, you may proceed to your account access.

Ifyouhaveanyquestionsorproblems logging into your account, our Member Services department is here to assist you. Call (800) 927-2547.

Online Member Access Available 24/7

Newly Extended Service HoursIn our continuing effort to provide an exceptional member experience, Catholic Financial Life is extending service center hours on Wednesdays until 8 p.m. CST at (800) 927-2547.

Documents

Spring 2011 MemberMAGAZINE - Catholic Financial Life · Members Giving Back 26 Life is Good: Environmental Stewardship - Transforming Our World by Changing Our Ways MemberMAGAZINE