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Are the New Food Brands Really Healthier — or Just Hype?

There’s an explosion of new products on supermarket shelves, thanks to the growing number of shoppers who are snubbing big, traditional brands and loading up their shopping carts with smaller progressive brands that appear to be more authentic, transparent and healthier — for both people and the planet.

It’s estimated that the top 25 U.S. food and beverage companies (think Kraft, Kellogg, ConAgra and Unilever) lost some $18 billion in market share over the past six years, while boutique brands are flying off supermarket shelves.

If you’re like most shoppers, you’re probably looking for foods and beverages that are truly good for you. Here’s how to make sure you load up your shopping cart with healthier options:

Trendy Doesn’t Equal Healthy

Gluten-free. Wheat-free. Paleo. Plant-based.

You know someone who swears by each of these food trends, but that doesn’t mean it’s the right way for you to eat, and it doesn’t make the food or beverage nutritious.

Nutrition trends come and go, and niche startups can leverage these consumer trends to sell more products because they can more quickly develop and market foods and beverages that capitalize on shoppers’ desires — whether that’s by including today’s superfood (i.e., coconut or turmeric) or avoiding the ingredient non grata (i.e., wheat or gluten). For a clear picture of what you’re buying, read the Nutrition Facts panel and ingredient list.

[See: 6 Fruits and Vegetables You Should Eat This Fall.]

Don’t Believe Everything They Claim

A good-for-you brand should have a nutrition profile and ingredient list that speaks for itself. I recently saw marketing materials from a new plant-based brand that explained how harmful and disease-promoting dairy foods are, rather that making a case for the healthfulness of its own product.

Companies that disparage their competitors by using terms for them like “dirty,” “toxic” or “disease-promoting” may or may not be as healthful as you might think.

Read Beyond Buzzwords

Buzzwords like “natural,” “superfood,” “lightly-processed,” “free-from” or “clean” tell you nothing about what’s most important for your health, like calories, sugar, saturated fat or sodium content. What’s more, all of those terms are essentially unregulated by the Food and Drug Administration, so brands can make up their own meaning. In fact, numerous lawsuits have been filed against food companies by consumers who believe they were misled by the term “natural” used on packaged foods.

[See: Quinoa 101: What It Is and How to Cook It.]

Size Doesn’t Matter

If you’re trying to eat a diet free from Big Food (large, multinational companies) because you believe their products are junk, you might want to follow the money. Many of the largest food companies have gobbled up — or invested in — boutique brands to make up for their own sagging sales. For example, Hormel owns several smaller brands, like Applegate Farms and Justin’s; Campbell’s owns Bolthouse Farms and Plum Organic baby food; and General Mills has a stake in a slew of startups.

It’s natural to want to try something new and different or root for the underdog, but in some cases, smaller brands are just part of one huge corporation — and that’s not inherently a bad thing.

[See: The 38 Best Diets Overall.]

Remember the Basics of Good Nutrition

It’s easy to be lured by health trends, buzzwords and sleek packaging. But the healthiest foods — fruits, veggies, lean proteins and whole grains — aren’t new or sexy, but they are your best approach to achieving a healthful diet.

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Are the New Food Brands Really Healthier — or Just Hype? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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