Knight of Columbus Council 6366 Newsletter
May 2015
Sunday M o n d a y T u e s d a y W e d n e s d a y T h u r s d a y
1
F r i d a y
2
S a t u r d a y
3
KC BBQ
11:00 AM-
1:00PM
4
KC Officers
Meeting-7:00
PM-KC
Kitchen
5
10 KC
Corporate
Communion
Mother’s
Day
Chris
Linnstaedter
11
Cosme
Rodriguez
17 18
Jeffrey
Dudensing
12
19
24
Kenneth
Bartnesky
25
Memorial
Day
Stan Kvapil
26
31
6
13
7
KC
Founders
Day- Meal-
7:00 PM-
PAC
14
Juan
Pineda
8
Tim Caroll
15
Alphonse
Budnik
9
Emanuel
Chmelar
16
20
Craig
Scarmardo
Alvin Kutach
21
27
Erin
Ofczarzak
Sam Perry
David Matus
28
Shawn
Kucera
Karl
Jakubik
22
Steven
Pipkin
James Nix
Mark
Valigura
29
23
30
Amelio
Mendez

Knight of Columbus Council 6366 Newsletter
May 2015
Knight of the Month -Steve Wooten
Family of the Month -Layton and Jane Anne Giese
Council News:
Reminder: There will be a KC officers meeting on Monday, May 4, 2015 at the KC kitchen beginning at 7:00
PM. We will be selecting our KC scholarship awards recipients.
Reminder: Our Founders Day meal will be held on Thursday, May 7, 2015 at the PAC beginning at 7:00 PM in lieu of our regular council meeting. Wives and sweethearts are invited to attend. We will be awarding Knight of the Year and Family of the Year. A catered meal will be provided.
Reminder: The KC’s will be selling chicken BBQ plates on Sunday, May 3. Please try to volunteer to help prepare the plates. We begin preparations at 8:00 AM and sell plates from 11:00 AM to 1:00 PM.
Grand Knight Josiah Barrow welcomed Craig Scarmardo and Justin Zimmerhanzel into the Knights of
Columbus. They received their first degree at the April council meeting. Congratulations.
A big thank you to Steve Kocurek and brother knights for cooking and serving the monthly meals to the
Journey class. We will not be cooking again until probably next fall. The French fries were a big hit with the students.
The Caldwell KC Council 6366 will vote for the new officers at our May meeting for the upcoming 2015-2016 fraternal year. They are as follows:
Grand Knight-Pat Morgan Warden-Ronnie Schielack
Deputy Grand Knight-Andy Sandoval Inside Guard-Ken Bartnesky
Treasurer-Larry See Outside Guard-Lupe Rosas
Financial Secretary-Gene Wisniewski 1 st
Yr. Trustee-Josiah Barrow
Chancellor-John Kucera 2 nd
Yr. Trustee-Maurice Jurena
Recorder-Murl Bailey 3 rd
Yr. Trustee-Steve Kocurek
Advocate-Sam Perry
Chaplain-Fr. Bernard Hung
Lecturer-Jerry Zavodny
The Knights of Columbus Memorial Scholarships will be presented to our graduating seniors who applied on
Monday, May 11, 2015 at the Senior Awards program at the Caldwell High School auditorium, beginning at
6:30 PM. This is the culmination of our Lenten fish fry and donated memorials.
Brother Knight, Fred VanHolbeck recently passed away. Please keep his family in your prayers.
Message from our worthy Financial Secretary: He is taking dues for 2015. Annual dues are $24.00. You can pay at our monthly council meetings or you may mail them direct to: Eugene Wisniewski, 604 N. Broadway St.,
Caldwell, Texas 77836
If you have any KC news or want to make a memorial donation, contact Maurice Jurena at 979-324-4856 or my email, mrj_757@verizon.net
or just drop it in the Sunday collection basket. Regarding the monthly newsletter, if you want to change from hard copy to email or vice versa, or address change, please contact me.
Knights of Columbus Memorial Scholarship Fund
Martin Olivarez by Connie Olivarez-$210.00
Arnold Zgabay by Jimmy Urbanosky-$20.00

Knight of Columbus Council 6366 Newsletter
May 2015
Prayer List
Fred VanHolbeck family, Claudia Matcek, Milton Mynar, John Vollentine, Ricky Mantey, Jr. and Sr., Mrs.
Herbert Piwonka, Alphonse and Mary Budnik and Fred Seal.
KC Insurance Program
REDUCING OUR TAX BURDEN
Yes, it’s that time of year AGAIN! That time when we shared (putting it kindly) some of our hard earned money with our beloved government. A time we despise & don’t look forward to each year. A time we wish we could just skip & continue on with the rest of the year. Unfortunately that’s not the case…our taxes have to be paid.
This is a time of assessing how the previous year went for us. A time to analyze how much we made, how much we paid & how much we saved! A time we wonder where all the money went & how we could owe so much tax? Yes, this is the time we swear to make changes to lessen the amount of taxes owed & to save more for ourselves.
So, why then do we end up at the same point, in the same predicament the following year? It’s called Life!
We get busy in our careers, in raising our families, in trying to do & make as much as we can that we either forget or get over how horrible we felt writing that check to the IRS on April 15 th
. Our goal is to increase the amount we make, the amount we keep, the amount we save & these things can all be accomplished by paying less in taxes.
Many of us are aware of & participating in the popular programs such as 401-K’s, 403b’s (teachers), 457’s
(Gov’t. employees) & Traditional IRA’s, but, using these as our exclusive source of saving can be extremely detrimental to our retirements. We have been taught & told by our employers, CPA’s, Advisors to contribute to these accounts now while we’re working & in a higher tax bracket & then we can withdraw these funds when we retire & are in a lower tax bracket. Sounds like sound financial advice…doesn’t it?
In theory this is sound advice, but, in reality this just isn’t the case. The truth of the matter is our income & assets will be much higher when we’re in our 50’s, 60’s & 70’s than when we’re in our 20’s, 30’s & 40’s. What many of us fail to realize is when we contribute to our retirement plans we’re not eliminating taxes, we’re just delaying them. Here’s a simple example of this…A 30 year old making $30,000 contributes 4% to their retirement plan yearly ($1,200) for 30 years ($36,000). Being in the 20% tax bracket provides the contributor with a tax deferral of $7,200. Well now that’s not bad. We all would like to save $7,200. But, let’s not forget, that tax was never saved, just delayed. If this account does well & grows at 10% annually over the next 30 years, it will grow to approx. $226,049. There’s nothing wrong with that! What’s unfortunate is the $7,200 we received in tax deferral has ballooned into a tax liability of $67,815 because the full account balance is taxable, not just our contributions. Would any of us really trade $67,815 for a delay of paying a small $7,200?
Absolutely not, but, unfortunately that is exactly what millions of us are doing daily as we contribute to our taxqualified retirement plans.
This is where the Knights of Columbus & your Field Agents Doug & Jody Supak come into play. They can assist you in turning this equation around so you are the one benefitting the most, not the government. Contact them at (979) 968-5332, visit them at 130 S. College St. in La Grange or email them at supakins@cmaaccess.com
.

Knight of Columbus Council 6366 Newsletter
May 2015