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New Braunfels Herald-Zeitung (Newspaper) - December 26, 1984, New Braunfels, Texas New 6f SunfftlS December estions offered ease tax planning I By CONNIE WORLEY 5 County Extension Agent Heady or not here cftmes tax If you have neglected again this year to do adequate tax and finan cial maybe you need a financial Choosing an investment advisor is an important decision for any new The first step is to consider the difference between fullservice brokerage houses and discount The brokers at fullservice brokerage houses offer investment advice on a wide range of in cluding mutual taxadvantaged option retirement funds and life They typically provide research on companies they suggest to and they should contact you when it is time to buy or sell brokers usually have a minimum com mission charge on ever typically in the 40 For most trades between and the commission charge runs somewhere between 1a and 2Va Discount brokers handle transactions for but they do not provide the kind of personal attention a fullservice broker So they offer greater savings potential for the experienced investor than for the To find a check with your banker or tax advisor for Also ask relatives and business Consult several firms before selecting a Explain to them how much money you have to what your investment goals are and then ask for their recommendations for your Also check the performance record of each firm and ask for determine how you can get all or part of your investment in case you have an And dont forget to check the fee schedules of the firms you are You cant expect that your broker will always be But you should expect that he or she will be honest and straightforward and understand your investment Family picture While services are your final decision on a broker will ultimately rest on Qualifying for longterm capital gains Changes in the tax law mea you can now sell an in vestment after holding it just six months and still qualify for the longterm capital gains Before July you had to keep your stock at least a year before you could benefit from the longterm capital gains Speculators will gain the most from this Tax laws on home computers Tax laws regarding home computers have tightened Any computer you buy must now be used more than half the time for business use in order for you to take a tax Deductions can be made if the computer is used in your own business or if an employer requires you to have a computer to do your Managing personal investments wont qualify as business The new rules apply to computers put into service after June Lost Or Stolen ATM Card What if your ATM is lost or stolen Under the you must assume certain responsibilities to activate the consumer protection afforded by the 1979 Electronic Funds Transfer If you notify your financial in stitution within two business you are liable for no more than in But if you wait more than two you could be liable for up to If you really dawdler and wait more than 60 days to notify the in you could be responsible for all Beef turnovers always a hit By CECILY BROWNSTONE Associated Press Food Editor Whenever I serve hot pastry tur inovers my guests are pushovers for As soon as one batch disap Ipears theyre ready for the The can be freshly baked at or they may be baked and reheated briefly in a hot Ground beef is a good choice for the In the following recipe it is Icoupled with I wondered labout that applesauce when the came to but after trying I found the sauce gave Ithe filling moisture and good BEEF TURNOVERS Vz pound ground chuck beef 2 cup finely chopped onion Hi teaspoon salt teaspoon pepper Cayenne pepper to taste 2 hardcooked finely chopped l3rd cup storebought sweetened applesauce fromanSounce jar 11ounce package pie crust mix 1 teaspoon dried dill weed 1 slightly beaten for glaze In a 10inch skillet over moderate cook beef and crumbling with a until beef loses its red Off heat stir in hardcooked eggs and Stir together pie crust mix and dill prepare according to package On a pastry cloth with a stockinetcovered rolling roll out half the pastry to an 18by 9inch rectangle it will be very Cut into 3inch Place a portion of beef mixture using 1 to 2 teaspoons for each in center of each pastry Moisten Fold over to make triangles and enclose filling pinch edges to Brush each with beaten Repeat with other half of remaining beef mixture and egg slightly an an ungreased cookie Bake in a preheated 375degree oven until golden 12 top 15 Serve Makes packaging a large portion of food cost After labor costs and farm third largest portion of our food eight percent goes to That includes not only the package 5jn the but the shipping Sjther distribution materials and the says Mary a food and nutrition Specialist with the Texas Agricultural Extension 3 While the cost of packaging as part our food dollar is some cost more to package than 1 says According to the food packaging and container costs average nearly onethird of the cost of But in abouc a fourth of the foods and beverages packaging costs are greater than the cost of reports the In the more processed or complicated a food product the higher the packaging Sweeten For foods such as soft baby frozen dinners and canned fruits and Chili Souffle tops for meal i LIGHT SUPPER iChili Souffle Rolls Aspic Salad Greens if ruit Crisp Coffee CHILI SOUFFLE r 4 tablespoons butter j 4 tablespoons allpurpose flour 1 cup milk pound sharp cheddar jjjrated mediumfine cups lightly packed 4 large separated fc 4ounce can chopped green drained In a 2Vato 3quart suacepan over w heat melt butter stir in Off heat gradually stir in keeping Cook over moderately low stirring until thickened and Off add cheese and stir until Vigorously stir in egg one at a Fold in Beat egg whites until stiff fold into cheese Turn buttered 2quart souffle Bake in a preheated 375degree oven until puffed and brown 30 Serve at Makes 4 CECILY BROWNSTONE AP food editor vegetables all have packaging costs greater than 100 percent of the ingredient she Packaging costs for frozen fruits and vegetables are only 42 percent of the cost of ingredients and packaging costs for dried fruits and vegetables are 39 percent of the cost of the On the low end of the frozen flour products and coffee have packaging costs that are less than 15 percent of the cost of And basic foods like sugar and red meats have packaging costs of less than 10 percent of the value of the New methods and material for processing and packaging food have developed to consumer demands growing out of changing family patterns and notes But consumers can expect to pay for these changes at the grocery checkout Activities Tickets for the New Years Eve dance will be available at Saengerhalle oti Wednesday The dance will be at Saengerhalle from to 2 with music by Cloverleaf New Years Eve partygoers in the Canyon Lake area may get a free ride home by calling Francis thelake Episcopal Church at 9643820 between the hours of 9 and 3 Drivers will work in teams of two so callers can be given rides home in their own The Katie Riggs explains the church is providing the service to get people home safely and to increase public awareness of the problem of drinking and The church is asking for volunteers to call DialARide ChairmanRon Mitchell at 9643421 or the church office at The Army National Guard Try One program is aimed at former servicemen who may be permitted to sign up for a oneyear term at the highest grade they held on active Fof more call SFC James Murphy at 6291412 or 625 Parents of twins meet the second Wednesday of each month at Paul Lutheran Church at 7 The American Cancer Society meets the fourth Tuesday of each month at McKenna Memorial Hospital at The Humane Society Animal Shelter is be open Sundays from noon to 4 Many animals are available for adoption at the shelter at 1922 New Braunfels Duplicate Bridge Club plays each Tuesday beginning at 1 at the community room of New Braunfels National New Neighbors have coffee each Thursday at at Mill Street All interested persons are ToasttnaSters meet each Tuesday at the Summit 2405135 For more call Oefie Conrad at Vladimir Pospisil at 6256887 or Betty Reinarz at 625 VFW Post Auxiliary 7110 meets the second Wednesday of each month at 600 Peace at Overcaters Anonymous meets Mondays at 6 at 511 North Tuesday at 7 and Friday at 11 at Our Lady of Perpetual Help For more infomation call The Community Band practices each Monday at Canyon Middle School band hall and is looking for new members for the yearround Canyon Lake Evening Lions Club meets the first and third Thursday of each month at 7 at Startz Following a pattern Ideas help parents to head off behavior problems An interesting thing about childrens behavior is that the same discipline problems often come back in different forms at different Parents who recognize these behavior patterns and know some ways to deal with them have a head start in keeping the family according to Growing a monthly child development the following basic principles may Principle 1 Dont reward negative behaviors Most experts agree that behaviors that are consistently rewarded are the very ones which tend to become that they become part of the childs behavior Parents often unthinkingly reward negative For punishment is often seen as a reward by the child because at least the parent is noticing the child Mulled wine warms party WINTER PARTY Apple Wedges Cheese Hot Mulled Wine HOT MULLED WINE 2 cups water 4 cups sugar 4 sticks cinnamon 1 teaspoon whole cloves 3 medium thinly sliced 1 thinly sliced 1 gallon dry red room tem perature Combine oranges and lemon in an 8 quart Bring to a continue boiling for 5 stirring Reduce heat to pour in stirring until piping but do not Use strainer or slotted spoon to remove spices and Ladle into cups or mugs and garnish each serving with a cinnamon stick and a dash of 18 From Past Repast Missouri Mansion Preservation Jefferson CECILY BROWNSTONE AP food editor Terry Caftans Now Only MANUFACTUBERS OUTLET The Eye Fantasy is eighteen shades of luscious Silky Shadows With mirror and two All yours in a lovely reusable Wedgwoodblue fanshape case value at just with any purchase of Merle Norman Available through December 1984 or supplies Ey nORfflAOT Personalized Skin Gate Makeup 373 A Undi Plaza Shopping Center and paying attention to him while the punishment is the child may misbehave to get attention even if it is Principle 2 Ignore negative behaviors as much as possible At times it is necessary to punish negative but punishment does not necessarily mean spanking or other direct If you ignore negative most often they will simply go Why Because you have taken away the reward simply by not paying You can get a lot of mileage out of this principle if you learn how to us Principle 3 Avoid con frontation Try not to get into fights with your child when he is behaving After you are smarter than he and you should be able to manipulate the situation and him so the behavior does not bring on This takes much extra effort on your but its worth What can parents do instead of punishing or confronting They can use one of the most effective behavior modifiers positive rein Principle 4 Reward positive behaviors Pay attention to the positive things your child and which you think are Praise him for positive Give him at tention a a a com pliment and he is likely to repeat the positive The Growing Child newsletter follows a childs development month bymonth from birth to six years For more information and a free sample write to Growing Box IN Include childs birthclate when JOIN US AT The Country Peddler 272 UNION Corner of Union San Antonio 6256737 Mxir portable tvor boom box when you rent a Curtis Mathes As little as ivers and pays your first weeks After the first your payment may vary depending on the model you J25Q6MP We can normally deliver the same Rent a brand new Curtis Mathes 25 diagonal color credit needed free delivery free installation no long term obligation helps establish credit tp 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