El Paso Times from El Paso, Texas • 133

Your Lie Insurance Most Firms Have Standard Surety Policy Phrases (As a public service, The Times has arranged with the EI Paso Chapter, American Society of Chartered Life Underwriters, to answer your questions about life insurance. Just send them to Life Insurance Editor, The El Paso Times, P.O. Box 20, El Paso, Texas. Answers will be published every Sunday. If you would like a personal reply, please enclose a stamped, self- addressed envelope.) Question: I have a life insurance policy that includes a disability income and waiver of premium rider.

My understanding of the rider is that if I become permanently and totally disabled before I'm GO (I'm 54 now), the company will pay me $100 a month and waive all future premiums without any deduction from the face amount of my life insurance. Well, now I wonder if that's By SYD KRONISH AP Newsfeatures British colonies all over the world are honoring the centenary of the Red Cross by issuing special stamps of identical design. Each of the 34 territories is issuing two stamps with the denominations varying as to the locality. The design features the wording "International Red Cross Centenary" and a portrait of Queen Elizabeth, with the exception of Tonga which bears a portrait of Queen Salote and for Zanzibar which has a portrait of Sultan unn i no won rncc unn Tnt dales 1863-1963 are emblazoned 1 in red in the center. Queen TffTf' si terested in this particular work i-j as she is vice president of the British Red Cross Society.

Venezuela has issued a set of four stamps honoring Dag Ham "Dag Hammarskjold, Winner of marskjold, late secretary gen- Nobel Peace Prize 19S1 i ii mi, IH in. unili innr-mitir i- iiiiiiiiiin4 eral of the United Nations and winner of the Nobel Peace Prize. Two lower values are for regular mail and the two higher values are for air mails. Featured on the stamps is a portrait of Hammarskjold with a map in the background. The inscription on the stamp reads tinued uninterruptedly for a period of at least six months." This is the waiting period required by most companies in order to establish the permanency of disability which is necessary before final approval of the claim.

Your policy probably also states: any premium due after notice of disability to the company has been made and prior to approval of the claim should be paid, but will be refunded upon approval of scuh claim." So to be on the safe side, we'd suggest that you pay the premium now due, even though it may seen unnecessary to you since you are so close to the end of the waiting period. We think there is another what it really means. I became disabled as the result of a serious illness nearly five months ago. At the request of my doctor the company sent me the claim forms which we promptly completed and returned. So far I haven't received any money from them and today I received notice that my premium is due.

What should I do? Answer: Assuming your disability falls within the definition stated in the policy (it's a reasonable assumption, you probably would have heard by now if it didn't), we would say you have no cause for alarm. The reason for the time lag in the waiver of premium or the payment of disability income probably is explained by a statement in your policy such as: The recently Issued United States 5 cent stamp honoring Mrs. Eleanor Roosevelt is somewhat unique in that Mrs. Roosevelt was the first President's wife to be honored on a U.S. postage stamp since Martha Washington.

In recent years U.S. stamps only infrequently have honored women. This year, in addition to Mrs. Roosevelt, a commemorative stamp honored Amelia Earhart. It is expected that 20 other nations will issue stamps paying trib- will pay a monthly income for the sixth and each succeeding month of such disability This means that you should receive vour first $100 disability HOUDINI PRESIDENT'S BOOK, a rare memento of the world's most famous magician who died in 1926, is passed along from president to president of the Society of American Magicians.

Edward Schu-man, left, Stamford, present president of Vie New York City Assembly, receives the treasure from his predecessor, Felix Greenfield, Rego Park, N.Y. This presentation, photographed in advance, made better picture than the one taken of the actual event. By IRVING DESFOR AP Newsfeatures Many camera fans, sooner or later are asked to photograph an awards presentation or a speaker at their club, lodge, school, business or civic organization. It sounds like a simple request but it holds many booby traps for the uninitiated. If a photographer at these affairs doesn't observe certain rules of camera etiquette, he can be an annoying distraction to officials, the speaker and to the audience.

In addition his tt.o -t rni -ov income payment at the end of ute to Mrs- Roosevelt. statement in your policy to the which disability has con- effect that: the company the sixth month or very shortly thereafter. Our answer is based upon the general practice within the life insurance industry regarding disability benefits, but policies Volume One of Scotts' 19S4 Standard Postage Stamp Catalog will contain 994 pages 32 pages less than last year. Scotts Publications has achieved this squeeze by lengthening Chats On dies By GEORGE KOLTANOWSKI International Chess Master of the various companies do the pages inch. The publish- differ somewhat.

So, we recom- company announced that ii 3CL 1 1 J)LU11LL 1 Wl J1U11T mand that you contact an agent there were 19,415 price changes of your company for clarifica- of which 8,515 were for Latin pictures may come up with a awards so there will be no need back view of the award recipient for refocusing. I or the speaker or grotesque During a speech, the photog- tion in iight of your particular policy. fixtures growing out ol the hon- The first thing to do is to ar-. CHESS QUOTE: "Don John of Austria had a chamber in which was chequered pavement of black and white marble. Upon this living men moved under his direction according to the laws of Chess.

Richard Twiss (1747-1821), Chess, 1787. PROBLEM By John A. W. Swane, Holland rive well ahead of time to see the room where the speech or presentation will take place. iStudy it for camera angles, dis- 1.

i -A i America, 1,604 in the United States and the rest in the British Commonwealth. The Republic of China, located on the island of Formosa, has issued a new set of stamps commemorating the recognition of the contributions made by the Red Cross to human welfare during the past 100 years. With this set of two stamps Nationalist China joins the many nations who this year issued stamps to help the Red Cross celebrate its centenary. One stamp features a Red Cross nurse in profile. The other stamp depicts the globe encircled by a band.

tances, ngnung, position 01 lec-tern and for any possibly distracting wall fixtures, mirrors or disturbing backgrounds. Then til IH PI v4 vMrf, mum Wwflk a you can plan where to shoot EP Chess Club Meets In YMCA El Paso Chess Club now holds its meetings every Thursday night in the YMCA. All chess players are invited to participate and instruction will be available for beginners who are especially welcome. A rated tournament to be held on Feb. 21 will be under the direction of George Koltanowski, international chess master and author of the weekly chess column which appears each Sunday in Sundial magazine.

Further information may be secured from Park Bishop, chess club president. from and determine your exact focusing distance and exposure. mm re mm1 mm mm MM Mm II ami a. (a) A move adopted by Leon-hardt about half a century ago. It disappeared completely until about 1930 when the Russian theorist Sosine wrote extensively about B-B4.

Now Bobby Fischer has brought it back with a bang. The idea: Attack on the diagonal QR2-KN8. (b) The natural reaction is to barricade the horizon of the White Bishop. Fatal would be 6 7.NxN, PxN; 8.P-K5, as Black cannot play 8 PxP; cause of 9.BxPch. After 6 B-Q2; followed by P-KN3, White maintains the best attacking chances.

(c) Doesn't care for an eventual NxKP for Black, NxN, P-Q4. (d) Stops White's immediate P-KB4, as then NxN, QxN, P-Q4 and B-B4 would decide matters. (e) Wishes to use the open QB file, feeling that the double pawn is not gong to affect matters much. The game has taken a positional character, the inconveniences are more or less evened: White has a weak pawn on K4, whereas Black has a weak square on his Q4, and that is why Black cannot permit B-N5 with exchange of the Knight on KB6, followed by N-Q5, where the Knight WW PPf W'M WWA WW tetl IJyi fcJ mm STOKES INSURANCE SERVICE B04 N. Kansaa St.

KK 3-1609 W.Tf1'': WWW jBi IB Next consult the person in charge and try to get the principal people involved to pose in advance. Most people are glad to cooperate when it is explained that this will produce better pictures. This gives you a chance to select the background carefully, to stand on a chair if necessary and to take several poses something you cannot do during the actual proceedings. It will be helpful to know from which direction award recipients will be coming and where they will stand so that you will be in position for the best camera angle. Ask the people be- rapher must be unobtrusive.

He should take his pictures in the first few minutes when the speaker acknowledges the welcoming applause and starts his introductory remarks. He should not jump up and down during the heart of the address. Nor should he remain poised, camera aimed while he is changing focus or exposure while the speaker and the audience wonder when he is going to snap that photo! He may get up when there is a distinct break, a joke with audience reaction or if the speaker holds up an object to make a telling point. The photographer must anticipate and be instantly ready for these dramatic highlights. It is well to know the program of events so that you're not caught at the end of a roll of film during an important part of the proceedings.

When in doubt, shoot off the last few frames of a roll of film and start a new one. Never leave your camera case with its supplies out of reach. When you need film or flashbulbs, they should be handy. Keep extra batteries, a synch cord or any necessary equipment for emergencies. Take general views early because most rooms get smoky and hazy as the evening wears on.

Avoid shooting the guests of honor while they are eating. It is far better to picture them before or after eating when they are relaxing or chatting with their table companions. Use an official seating list to get correct names and positions of guests to avoid the. embarrassment of asking who they are to identify your photos. When in doubt, you can discreetly ask strangers how to spell their names correctly.

BEFORE YOU BUY SEE OUR PREFERRED RISK ura uftvMAirvM wv hw-tv. White to play and mate in two moves (Solution below). Brilliant Queen Sacrifice J. Rejfir, one of the leading Czechoslovakian masters, died recently at the age of 55 in a Prague Hospital. Here is one of his last games, played in the Czech Championship.

WHITE: Elatny BLACK: Rejfir KE 3-3481 2820 N. STANTON forehand to turn towards you after receiving their award so I that you can get faces instead of the side or back of a head. At! SIIIIIHIIlllltMllllllllMIIMIHimHIIIHiniMIIIIIIIIIIIIIIHIIIIIItHMIIIIIIIHtlllltltflllllltllMIMIIIIIIIIIMI flillllllHilllilllMllllilUHIIIIIIIIIIIIIIIIIIIIMIIIIIIIIHIIlHHIUIIIIHIHMIIIIIIIItllHUIIHIUIIllllllllll Leo Schuster, Jr. Is Well Qualified To Handle All Your 1 1 Life Insurance Business Insurance is and Employee Benefit Plans! SICILIAN DEFENSE P-K4 P-QB4 23. NiNcb N-KB3 N-QB3I 24.

QxP P-Q4 PxP 25. R-B5(g) NxP N-KB3 26. PxB N-QB3 P-Q3 27. R-Kl B-B4(a) P-K3(b) 28. K-Bl P-QR3i 29.

K-Nl i 1 PxN B-N3ch BxRch BxP RxPch R-B7ch R-RTOi) The Agency of Service' SAUNDERS B-N3(e) Q-B2(d) 30. RxB would stand well. (f) Well-played! The phase that follows will show the vain effort of White to save the dam. (g) One breakthrough has been plugged, but the water will flood through on many fronts. (h) Threatens mate on KR8.

If 30.K-B1, R-Ql wins. (i) White has no choice. QxR, KxQ; leads to an easy win for Black. (j) Prepares the entry to an easily won pawn ending. White could have resigned here.

Solution to the problem above is: 1.Q-R4. I5 R-Ql PxR B-K2I K-Rl bCHUSTER i. 2. 3. 4.

5. 6. 7. 8. 9.

10. 11. 12. 13. 14.

15. 16. 17. 18. 31.

RxPch(i) 32. QxPcb 33. QxP 34. Q-Kl 35. P-B6 36.

Q-KB1 37. K-Rl 38. K-Nl 39. K-Rl P-B4 P-B5 N4-K2 BPxN(e) B-K3 QR-B1 P-QR3 P-QN4 N-N3 N-Q5 B-N6 K-Bl RxP R1-Q7 R-K7 K-KKj) P-R4 P-R5 R-R7ch RN-N7ch RxQch K-Q2 101 Ariiena LI 2-1691 N-QR4I P-K41 NxB P-R3I B-Q2! Q-R4 B-B3 Q-Qll P-KR4! P-R5J PxN(f) RxPchl BxB General Insurance Life Insurance Group Insurance Hospitalization Disability 1 1 1014 El Paso Bank Bldg. 533-9891 40.

K-Nl 41. QxR 42. KxR 43. K-B3 19. 20.

21. 22. K-B3 BxQ K-Nl Wbit resign i iiitiiiiimiiimitiiiiiiiiimiiiiiiiiiiiniHiiiHititiMiiiiiiiiiimn Sunday November 171363 17.