  We introduce a simple model for the ferrimagnetic non-collinear ``magnetic
umbrella" states of rare-earth iron garnets (REIG), common when the rare-earth
moments have non-zero orbital angular momentum. The spin-wave excitations are
calculated within linear spin wave theory and temperature effects via
mean-field theory. This could be used to determine the magnetic polarization of
each mode and thereby the spin currents generated by thermal excitations
including the effects of mixed chirality. The spectra reproduce essential
features seen in more complete models, with hybridization between the rare
earth crystal field excitations and the propagating mode on the iron moments.
By the symmetry of the model, only one rare earth mode hybridizes, inducing a
gap at zero wave number and level repulsion at finite frequency. At the
compensation point, the hybridization gap closes and finally, as we approach
the N\'eel temperature, the hybridization gap appears to reopen. The chirality
of the lowest mode changes its sign around the frequency at which the level
repulsion occurs. This is important to estimate the spin current generation in
REIGs.
