Tip of The Week
How to shop for organic foods without breaking your budget.
Most of us would love to have a fridge full of fresh organic produce and meats. But because pesticide and hormone-free products often have a premium price tag, going organic can seem like a luxury for anyone on a tight budget. So how do you make sure the green on your table doesn't drain the green from your wallet?
Craig Minowa, environmental scientist with the Organic Consumers Association, has these tips: First, learn to buy big. Many health-food stores have bulk sections, and if you fill a bag with, say, organic cereal, you may end up paying less for it than you would for the nonorganic variety, since you're not paying for packaging costs. Second, form a buying club. If a bunch of people pool their grocery lists, they can often special-order directly with the store, he said, and that, in turn, can lead to much lower costs.
Another path to frugal but healthy shopping is to choose your battles carefully. If you can't afford to fill your entire shopping cart with organic food, you can still feel good about what you buy. Sarah Bratnober, communications director at the Organic Valley Family of Farms, advises following the 80/20 rule—80 percent of the benefits come from 20 percent of the purchases. Think about what your family eats the most of, then go from there. For example, if you have a choice between organic milk and organic mayonnaise, and your kids go through a gallon of milk in a week but only two tablespoons of mayo, go for the milk. Fruits and vegetables are also good choices, especially the ones your family eats lots of. And if you have the option, get into community-supported agriculture, where you own shares in a farm and get a share of whatever it produces.
Finally, buy fruits and vegetables in season and focus on what's easily available, says Barbara Houmann, spokeswoman for the Organic Trade Association. That way, she said, you may find that the prices are just about comparable with nonorganic fruits and veggies.
If you do manage to get more organic into your diet, you won't regret the extra effort. Organic produce isn't just healthy and better for the environment, it tastes better, too, according to Charles Benbrook, chief scientist for The Organic Center. And that flavor boost might just make it easier to convince your children to eat their veggies, or to introduce them to new foods.
As for cooking, Bratnober says some people are afraid to go organic because they think those products need special preparation. But no worries—she said that the cooking process is exactly the same as it is for regular groceries. There is one caveat: While most organic items, like produce and milk, have a similar shelf-life to their nonorganic counterparts, bear in mind that organic breads and pastries tend to go bad faster than nonorganic baked goods because of the lack of preservatives.
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Member Comments
Posted By: Nins @ 07/07/2008 12:05:37 AM
Comment: Did you know that if McCain is elected you will have to pay income tax on the value of the medical insurance that your employer gives you? Worse still, he is offering a tax break for people who pay their own insurance, BUT only $2,500 for individuals and $5,000 for families.
Let's say you have a family of four. Your insurance policy costs would be at least $1,500-2,500 per month under a self-pay plan, which cost more than employer group plans. So, you pay $18,000 -$30,000 per year for insurance, and you get to deduct only $5,000 of that. If you paid $25,000 for you insurance, you would be out of pocket $20,000 per year. This is FAR WORSE than the current system, where if you are self employed you can deduct 100% of you medical insurance costs.
So, if you're not self employed, you would stick with your Employer's plan. Employer plans for a family of four have a value of $900-$1,500 per month totaling 10,800-$18,000 per year. Surprise! On April 15th, you owe tax on all of that as INCOME to you. Say your bracket is 25%, and the value of your Employer medical plan is $14,000. You will OWE THE IRS an additional $3,500, and that's ON TOP of whatever monthly premium you already pay to your employer for your insurance.
Many analysts say that McCain's new rules would encourage employers to stop offering health benefits. If that happened, then far fewer Americans would be insured than are insured today, because what family of four can afford $18,000-$30,000 out of pocket per year for self-pay health insurance?
Furthermore, McCain's plan does not require insurance companies to cover pre-existing conditions of people who self-pay their insurance. People under employer group plans have all of their pre-existing conditions covered. This is a hugely unfair aspect of the current system. Insurance companies can afford to cover the pre-existing conditions of the much larger pool of people with group insurance, but they refuse to pay the pre-existing conditions on the smaller pool of self-pay customers. They have been allowed to price gouge the self-pay customers, which is a form of market manipulation that should be illegal.
So let's say one of your kids had diabetes and you have high blood pressure, then your employer stops offering insurance. You now have to buy your own, but you and your child are INELIGIBLE due to pre-existing conditions. Oh, yeah, they will let you buy the insurance, but you can't use it for any pre-existing condition until you have paid on time every month for two years. And you know what happens at one year and 11 months? You get a letter saying your policy has been cancelled. I have many patients this has happened to.
McCain's plan SUCKS.
It does nothing to help middle class working Americans afford or obtain medical insurance. In fact, it makes the current system WORSE.