America's Top 5 Healthiest Fast Food Restaurants

by Health.com

on Wed Oct 6, 2010 10:53am PDT

By Tracy Minkin and Brittani Renaud

Who hasn't unwrapped a sandwich while driving down the highway or pulled a hard U-turn into a fast-food joint on the way home from a late meeting or soccer game? We practically live in our cars, so we need quick food, and please, we'd like it to be healthy.

Well, guess what: We surveyed the nation's 100 largest fast-food chains, as defined by the number of locations, and found many are creating menus that look more and more like what we'd cook ourselves (if we had the time)—from nutritious soups and healthy salads to fresh whole grains and sensible desserts. Even better: They're offering good-news Mexican, Asian, and Mediterranean fare.

Using criteria that was created with the help of our expert panel, we scored the chains on such factors as the use of healthy fats and preparations, healthy sodium counts in entrees, availability of nutritional information, and the use of organic produce to determine the 10 highest-ranking restaurants.

One big surprise: A traditional fast-food chain, McDonald's, cracked our top 10. Sure, it's the home of the Big Mac, but did you know it also serves a mean yogurt-and-granola parfait? Here, the standouts that are making grabbed food healthy food.

1. Panera Bread

Over 1,230 locations nationwide (and in Canada)

This bakery-cafe-based eatery wowed our judges with a comprehensive menu of healthy choices for every meal. "Variety makes it easy for everyone to choose healthy," praises registered dietitian and panelist Marisa Moore. What does that mean for you? For starters, you can pick from two whole-grain breads for your sandwich and have an apple with it instead of chips (though the chips are fine, too—they can be baked!). Half-size soups, salads, and sandwiches make it a cinch to control portion size. Also, most of the chicken is antibiotic- and hormone-free, a rarity for large chains.

Panera also won top honors for kid fare, dishing out RD-approved crowd-pleasers like squeezable organic yogurt, PB&J (with all-natural peanut butter), and grilled organic cheese on white whole-grain bread.

We love: Delicious, nutrient-packed combos like a half–Turkey Artichoke on focaccia bread with a bowl of black bean or garden vegetable soup.

Danger zone: Sticky buns and cheese danishes are on display at the counter.

2. Jason's Deli

206 locations in the West, Midwest, Mid-Atlantic, South

How did this up-and-comer snag second place? Largely because of its devotion to organic food: About one-fifth of all its ingredients are organic, from blue-corn tortilla chips and whole-wheat wraps to field greens and spinach. Plus, its creative salads—like the Nutty Mixed-Up Salad with organic field greens, grapes, chicken breast, feta cheese, walnuts, dried cranberries, pumpkinseeds, raisins, and organic apples—make you actually want to order the greens.

Our judges applauded the portion-control option: Reduced sizes of, say, a stuffed baked potato, are $1 less. Jason's menu also highlights ultrahealthy sandwiches and provides the nutitional info.

We love: Being able to build any sandwich on an organic whole-wheat wrap.

Danger zone: High-sodium counts on some sandwiches; if sodium is a concern, stick to the ultrahealthy choices.

3. Au Bon Pain

280 locations nationwide

A pioneer in healthy fast food, Au Bon Pain serves up sandwiches, soups, salads, and hot entrees made with whole grains, veggies, and hormone-free chicken.

New this year: Portions, a 14-item menu of nutritious small plates—from appetizers like apples, blue cheese, and cranberries to salads like chickpea and tomato—all of which are less than 200 calories. Another impressive feature: Au Bon Pain provides on-site nutritional information via computer kiosks, so before you even order you know each option's calories, fat, and sodium. "It's a great way to empower customers," praises judge Amy Jamieson-Petonic.

We love: Yummy low-cal soups, from Jamaican Black Bean to Fire Roasted Exotic Grains and Vegetables.

Danger zone: The sodium counts can get high if you don't pay attention.

4. Noodles and Company

204 locations in West, Midwest, South

Noodles and Company isn't your typical greasy Asian food-court joint. In fact, it goes beyond Asian fare and cuts out the grease (only healthy soybean oil is used in sauteing). Here, you choose from three food types: Asian, Mediterranean, or American, then within each style, pick from four noodle bowl options. Lean proteins—hormone- and antibiotic-free chicken, beef, shrimp, and organic tofu—can be added, too.

The result? Tasty combos like Japanese Pan Noodles with broccoli, carrots, shiitake mushrooms, Asian sprouts, and sauteed beef. Also key: "You don't have to chow down on a giant bowl of noodles. You can opt for a small portion," says judge Frances Largeman-Roth, RD, Health's Senior Food and Nutrition Editor. The small Bangkok Curry bowl has just 250 calories.

We love: The whole-grain linguine—usually hard to find when eating out.

Danger zone: The desserts. The only options are two kinds of cookies and a Rice Krispy Treat bar that checks in at 530 calories and 19 grams of fat!

5. Corner Bakery Cafe

111 locations in West, Midwest, Mid-Atlantic, South

What sets Corner Bakery apart? A fantastic breakfast menu, which is rare in the quick-serve world. We love the Farmer's Scrambler: eggs scrambled with red and green bell peppers, red onion, mushrooms, potatoes, and Cheddar cheese. (It's only 260 calories when ordered with egg whites.) There's also Swiss oatmeal, a chilled European breakfast cereal made with rolled oats, green apples, bananas, currants, dried cranberries, low-fat yogurt, and skim milk.

But Corner Bakery also has healthy salads, sandwiches, and soups made with whole grains, fresh, lean meats, and vegetables, as well as great portion-controlled combinations that make limiting calories a no-brainer.

We love: Healthy oven-roasted chicken that comes on most pastas and salads.

Danger zone: You have to go to their Web site to get nutritional info.

http://shine.yahoo.com/channel/food/americas-top-5-healthiest-fast-food-restaurants-2397396

The Easiest Financial Lesson You'll Ever Learn

by Daniel Indiviglio

Sunday, October 17, 2010

Saving and investing wisely is not an easy achievement. How much do you need to save for retirement? Where should you put your money? There are thousands of financial advisors who offer differing opinions on these matters. But if there is one utterly clear maxim of saving for retirement it's this: contribute at least enough money to your 401(k) to maximize your employer's contribution.

Much to my shock and dismay, 39% of 401(k) participants don't follow this totally noncontroversial advice, according to a new study by Financial Engines, via the NY Times Bucks blog. That's crazy. Here's why maxing out your 401(k) is the biggest financial no-brainer you'll ever encounter.

When your company promises to match some contribution to a 401(k), it's like giving you a raise. Refusing the match is like telling your company that you don't want extra money. Imagine an example where you make $1,000 per paycheck. Now imagine if your company agrees to match 50 cents per dollar up to 6% of your 401(k) contribution per paycheck. That means you can put up to $60 per paycheck into your 401(k) and your company will also contribute $30.

Did you see what just happened? You got a 3% raise. Sure, you had to contribute $60 of your gross income as well, but this money just becomes savings -- something you will surely need some day anyway. Unless you are one of the few people who believe Social Security alone will be sufficient to allow for a pleasant, comfortable retirement at a reasonable age.

Moreover, that $60 you contribute doesn't reduce your take home pay by 6%, because it's taken pre-tax. For example, let's say after all taxes are taken, your income would normally have been 30% lower. If you didn't contribute to your 401(k), your after-tax income would be $700. If you contribute $60 pre-tax, however, your after-tax income is $658 -- only $42 less, instead of $60. This is the second reason why it's so great to contribute to a 401(k): you can delay taxes on that money, so you won't feel like you're saving as much as you actually are.

Let's reflect on this scenario where you contribute to your 401(k) as described above. Your after-tax income declines by $42, but you save $90. This is one of the best deals you'll ever get, and it's virtually impossible to beat.

Let's consider poor reasons not to contribute enough to receive your full employer match:

I Want More Freedom Investing

Maybe you don't like your employer's 401(k) plan. You hate mutual funds. You think you can do better on Scottrade. Good luck with that. In the example above, imagine if you decided to shun your 401(k) and invest $42 (the difference in after-tax income) from each paycheck yourself instead. You would need an investment that would more than double your money -- even if you saved your 401(k) as pure cash. The return would have to be 114% to get $90.

I Worry About Losing Money in the Market

Investing is hard, so this is a fair point. But you would have to do incredibly poorly to lose more than you gain from your 401(k) match. For that $90 savings to decline below your $42 contribution, it would have to decline by more than 53%. Even from the Dow's peak prior to the financial crisis to the bottom it hit in early 2009, the market lost less than 50% -- and that's about as bad as it gets. Moreover, you can generally diversify your 401(k) holdings to include stocks, bonds, and cash.

I Can't Afford to Contribute That Much

Saving isn't a financial constraint: it's a choice. Unless you're living very near the poverty line, then it's possible to find ways to cut expenses. And slicing 4% off your take home pay won't require most people to dramatically change their lifestyle. Go out to dinner less often or wait until a movie comes out on video to see it. Move a few miles further out of town to get a cheaper rent. Remember, you aren't actually lowering your income by contributing to a 401(k); you just don't spend as much of your money immediately. In fact, you're actually implicitly increasing your income by maximizing your employer's match.

I Don't Want My Savings Tied Up

If you need to get at your 401(k) money for some reason before you retire, you will get hit with a penalty and be forced to pay taxes on it immediately. That means the money is essentially tied up. But this isn't a good reason to fail to contribute up to your full employer match.

First, some 401(k) plans allow leeway for when a true emergency hits, where the penalty won't apply. Second, even if a penalty does apply, will it really be greater than your employer match? In the example above, a 10% penalty tax would apply beyond the usual income tax that you would have paid anyway on the income that you contributed. For the example, that penalty would be $9, and you would also need to pay something like $9 in taxes on the employer's contribution. But your employer contributed $30. So again, even if you try to get at your money early, you're still $12 ahead by maximizing your employer contribution.

If you don't already contribute enough to your 401(k) to maximize your employer match, then you should. It's easily the smartest, easiest financial decision you'll ever make. You may want to ultimately save more than that through other methods, but this is the bare minimum saving that you should do.

Daniel Indiviglio is a staff editor at TheAtlantic.com, where he writes about credit markets, regulation, monetary & fiscal policy, taxes, banking, trade, emerging markets and technology. Prior to joining The Atlantic, he wrote for Forbes. He also worked as an investment banker and a consultant.

http://finance.yahoo.com/retirement/article/111003/the-easiest-financial-lesson-youll-ever-learn?mod=retire-401k