New Braunfels Herald Zeitung (Newspaper) - December 26, 1984, New Braunfels, Texas
,2B New Braunfels Herald Zeitung Wednesday, December 26, 1984
Suggestions offered to ease tax planning
By CONNIE WORLEY County Extension Agent
Ready or not here conies tax time. If you have neglected again this year to do adequate tax and financial planning, maybe you need a financial advisor.
Choosing an investment advisor is an important decision for any new investor. The first step is to consider the difference between full-service brokerage houses and discount brokers.
The brokers at full-service brokerage houses offer investment advice on a wide range of securities, including stocks, bonds, mutual funds, tax-advantaged investments, option trading, retirement funds and life insurance. They typically provide research on companies they suggest to you. and they should contact you when it is time to buy or sell stocks.
Full-service brokers usually have a minimum commission charge on ever transaction, typically in the $30-40 range. For most trades between $2,500 and $20,000, the commission charge runs somewhere between ll2 and 2*2 percent.
Discount brokers handle transactions for less, but they do not provide the kind of personal attention a full-service broker provides. So they offer greater savings potential for the experienced investor than for the novice.
To find a broker, check with your banker or tax advisor for recommendations. Also ask friends, relatives and business associates. Consult several firms before selecting a broker. Explain to them how much money you have to invest, what your investment goals are and then ask for their recommendations for your situation.
Also check the performance record of each firm and ask for references. Finally, determine how you can get all or part of your investment in case you have an emergency. And don't forget to check the fee schedules of the firms you are investigating.
You can’t expect that your broker w ill always be right. But you should expect that he or she w ill be honest and straightforward and understand your investment goals.
While services are important, your final decision on a broker will ultimately rest on trust.
Qualifying for long-term capital gains
Changes in the tax law mea you can now sell an investment alter holding it just six months and still qualify for the low, long-term capital gains tax. Before July 1984, you had to keep your stock at least a year before you could benefit from the long-term capital gains tax. Speculators w ill gain the most from this change.
Tax laws on home computers
Tax laws regarding home computers have tightened up. Any computer you buy must now be used more than half the time for business use in order for you to take a tax deduction. 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 job. Managing personal investments won’t qualify as business use. The new rules apply to computers put into service after June 18,1984.
Lost Or Stolen ATM Card
What if your ATM is lost or stolen? Under the law, you must assume certain responsibilities to activate the consumer protection afforded by the 1979 Electronic Funds Transfer Act. If you notify your financial institution within two business days, you are liable for no more than $50 in losses. But if you wait more than two days, you could be liable for up to $500. If you really dawdler and wait more than OO days to notify the institution, you could be responsible for all losses.
Beef turnovers always a hit
By CECILY BROWNSTONE Associated Press Food Editor
Whenever I serve hot pastry tur-■ novers my guests are pushovers for > them. As soon as one batch disap-; pears they’re ready for the next. The ; turnovers can be freshly baked at ; party time, or they may be baked ; ahead and reheated briefly iii a hot I oven.
[ Ground beef is a good choice for the • filling. In the following recipe it is [[coupled with applesauce. I wondered [.about that applesauce when the [ recipe came to me, but after trying [•the turnovers, I found the sauce gave [the filling moisture and good flavor.
BEEF TURNOVERS I 12 pound ground chuck beef
1 2 cup finely chopped onion 31 teaspoon salt
11 teaspoon pepper Cayenne pepper to taste
2 hard-cooked eggs, finely chopped I-3rd cup i store-bought I sweetened
applesauce i from an 8-ounce jar»
11-ounce package pie crust mix I teaspoon dried dill weed I egg, slightly beaten t for glaze I In a 10-inch skillet over moderate heat, cook beef and onion, crumbling with a fork, until beef loses its red color. Off heat stir in salt, pepper, cayenne, hard-cooked eggs and applesauce.
Stir together pie crust mix and dill; prepare according to package directions. On a pastry cloth with a
stockinet-covered rolling pin, roll out half the pastry to an 18-b> 9-inch rectangle it will be very thin. (’ut into 3-ineh squares.
Place a portion of beef mixture using I to 2 teaspoons for each — in center of each pastry square. Moisten edges. Fold over to make triangles and enclose filling; pinch edges to seal. Brush each with beaten egg. Repeat with other half of pastis. remaining beef mixture and egg glaze.
Place, slightly apart, an an ungreased cookie sheet. Bake in a preheated 375-degree oven until golden — 12 top 15 minutes. Serve hot.
Packaging a large portion of food cost
; After labor costs and farm costs, the third largest portion of our food [dollar — eight percent goes to [packaging.
'[ That includes not only the package on the shelf, but the shipping carton, Other distribution materials and the packaging equipment, says Mary K Sweeten, a food and nutrition ipei ialist with the Texas A&.M University Agricultural Extension Service.
. While the cost of packaging as part of our food dollar is small, some Foods cost more to package than
others, says Sweeten.
According to the USDA, food packaging and container costs average nearly one-third of the cost of ingredients. But in about a fourth of the foods and beverages sold, packaging costs are greater than the cost of ingredients, reports the specialist. In general, the more processed or complicated a food product is, the higher the packaging costs, Sweeten says.
For example, foods such as beer, soft drinks, cereals, baby food, frozen dinners and canned fruits and
Chill Souffle tops for meal
LIGHT SUPPER [C hili Souffle Hi Rolls I omato Aspic Hi Salad (Jreens [F ruit Crisp Hi Coffee
CHIU SOUFFLE ! 4 tablespoons butter
4 tablespoons all-purpose flour ; I cup milk
4*4 pound sharp cheddar cheese, grated medium-fine *1*2 cups lightly jacked )
4 large eggs, separated 4-ounce can chopped green chilis, Kell drained
I In a 2l2-to 3-quart suacepan over low heat melt butter; stir in flour. Off
lieut gradually stir in milk, keeping smooth. Cook over moderately low heat, stirring constantly, until thickened and boiling. Off heat, add cheese and stir until melted. Vigorously stir in egg yolks, one at a time. Fold in chills. Beat egg whites until stiff; fold into cheese mixture. Turn into a buttered 2-quart souffle dish. Bake in a preheated 375-degree oven until puffed and brown — 30 minutes. Serve at once. Makes 4 servings.
CECILY BROWNSTONE AP food editor
Tickets for the New Year’s Eve dance will be available at Saengerhalle on Wednesday evening. The dance will be at Saengerhalle from 8:30 p.m. to 2 a.m. with music by Cloverleaf Orchestra.
New Year's Eve partygoers in the Canyon Lake area may get a free ride home by calling St. Francis by-the-lake Episcopal Church at 964-3820 between the hours of 9 p.m. and 3 a.m. Drivers will work in teams of two so callers can be given rides home in then own cars. The Rev. 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 driving. The church is asking for volunteers to call Dial-A-Ride Chairman Ron Mitchell at 964-3421 or the church office at 964-3820.
The Army National Guard “Try One” program is aimed at former servicemen who may be permitted to sign up for a one-year term at the
highest grade they held on active duty. For more details, call SFG' James F. Murphy at 629-1412 or 625-6772.
Parents of Twins meet the second Wednesday of each month at St. Paul Lutheran Church at 7 p.m.
The American Cancer Society
meets the fourth Tuesday of each month at McKenna Memorial Hospital at 5:15 p.m.
The Humane Society Animal Shelter is be open Sundays from noon to 4 p.m. Many animals are available for adoption at the shelter at 1922 Kuehler.
New Braunfels Duplicate Bridge Club plays each Tuesday beginning at I p.m. at the community room of New Braunfels National Bank.
New Neighbors have coffee each Thursday at 9:30 a.m. at Mill Street Mercantile. All interested persons
Toastmasters meet each Tuesday at the Summit Center, 2405 1-35 West. For more information, call Gene Conrad at 625-2815, Vladimir Pospisil at 625-6887 or Betty Reinarz at 625-7511.
VFW Post Auxiliary 7110 meets the second Wednesday of each month at 600 Peace at 7:30 p.m.
Overeaters Anonymous meets Mondays at 6 p.m. at 511 North St., Tuesday at 7 p.m. and Friday at ll a.m. at Our I^ady of Perpetual Help Church. For more infomation call 625-7724.
The Community Band practices each Monday 7:30 p.m. at Canyon Middle School band hall and is looking for new members for the year-round program.
Canyon Lake Evening Lions Club
meets the first and third Thursday of each month at 7 p.m. at Startz Cafe.
Following a pattern
Ideas help parents to head off behavior problems
vegetables all have packaging costs greater than IIM) percent of the ingredient costs, she reports. 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 ingredients.
On the low end of the scale, frozen seafood, flour products and coffee have packaging costs that are less than 15 percent of the cost of ingredients. And “basic” foods like poultry, cheese, butter, sugar and red meats have packaging costs of less than IO percent of the value of the food.
New methods and material for processing and packaging food have developed to meet consumer demands growing out of changing family patterns and lifestyles, notes Sweeten. But consumers can expect to pay for these changes at the grocery check-out counter.
An interesting thing about children’s behavior is that the same discipline problems often come back in different forms at different times.
Parents who recognize these behavior patterns and know some ways to deal with them have a head start iii keeping the family peace, according to Growing Child, a monthly child development newsletter, the following basic principles may help.
Principle No. I: Don’t reward negative behaviors
Most experts agree that behaviors that are consistently rewarded are the very ones which tend to become “built-in” that is, they become part of the child’s behavior pattern.
Parents often unthinkingly reward negative behaviors. For example, 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 W edges & G’heese Hot Mulled Wine
HOT MULLED WINE
2 cups water
4 cups sugar
4 sticks cinnamon
I teaspoon w hole cloves
3 medium oranges, thinly sliced
I lemon, thinly sliced
I gallon dry red wine, room temperature
Combine water, sugar, cinnamon, cloves, oranges and lemon in an 8-quart saucepan. Bring to a boil, continue boiling for 5 minutes, stirring occasionally. Reduce heat to medium, pour in wine. Heat, stirring occasionally, until piping hot. but do not boil. Use strainer or slotted spoon to remove spices and fruit. Iridic »nto cups or mugs and garnish each serving with a cinnamon stick and a dash of nutmeg. 18 servings. From “Past & Repast” (Missouri Mansion Preservation Inc., Jefferson City, Mo.)
CECILY BROWNSTONE AP food editor
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and paying attention to him w hile the punishment is happening. Thus, the child may misbehave to get attention — even if it is painful.
Principle No. 2: Ignore negative behaviors as much as possible
At tunes it is necessary to punish negative behaviors, but punishment does not necessarily mean spanking or other direct action. If you ignore negative behaviors, most often they will simply go away. Why? Because you have taken away the reward simply by not paying attention. You can get a lot of mileage out of this principle if > ou learn how to us it.
Principle No. 3: Avoid con
Try not to get into fights with your child when he is behaving negatively After all. you are smarter than he is. and you should be able to manipulate the situation (and him) so the behavior does not bring on fights.
This takes much extra effort on your part, but it s worth it
What can parents do instead of punishing or confronting’ They can use one of the most effective behavior modifiers: positive reinforce me ut
Principle No. 4 Reward positive behaviors
Pay attention to the positive things your child does, and which you think are good. Praise him for positive accomplishments. Give him attention a smile, a hug. a compliment and he is likely to repeat
the positive behavior.
The Growing Child newsletter follows a child’s development month-by-month from birth to six years old For more information and a free sample newsletter, write to Growing Child, P O Box 620N, lafayette. IN 47902. Include child’s birthdate when writing.
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