European Stars and Stripes (Newspaper) - June 3, 1992, Darmstadt, Hesse                                The stars and stripes wednesday june 3, 1992 Money matters fruit juice labels firms accused of masking ingredients by Jennifer Dixon a farm writer Washington a Consumers spend hundreds of millions of dollars on exotic sounding fruit drinks but the papaya juice they think they re sipping May actually be pineapple. The Center for science in the Public interest said monday that it surveyed More than two dozen fruit juice products and found that the truth about what a inside the bottle was usually hidden in the Fine print. One Label shouted a very Cherry a but the Small Type on the Back of the bottle whispered White grape and Apple juice. And the main ingredients in the Maine coast Blueberry juice turned out to be Apple juice and Apple Puree from concentrate the consumer advocacy group said. Doles pure and Light Orchard peach juice has More grape Apple and Lemon than peach the consumer advocacy group found. A the food Industry is cheating the american consumer out of hundreds of millions of dollars annually by passing off what is mostly Apple and grape juice As More expensive Kiwi peach Strawberry and Cherry juice a said Bruce Silverglade the group s Legal affairs director. Maine coast Blueberry sold at one Washington supermarket for $2.39 a quart compared with a unit Price of si.45 per quart for a half gallon bottle of motts pure Apple juice. Silverglade said that because Consumers spend More than $9 billion a year on fruit juices and drinks a people deserve the facts. The name of the juice on the front of the Label is not what the consumer is purchasing in Many Many  but John r. Cady the president of the National food processors association said the groups Survey amounted to nothing More than a a disinformation  the association and the Center for science in the Public interest also have been wrangling Over a proposed Labelling regulation that would require manufacturers to list the percentage of each juice used in blends. The food and drug administration must Complete the new Labelling requirements by nov. 8. Juice manufacturers would be required to begin using the new labels by May 1993. The processors association contends that listing the percentage of each juice is almost certain to Lead to cluttered labels and a info glut a said Alan Matthys the groups vice president of regulatory affairs. A if Csepi had its Way food labels would consist of nothing but Green lights red lights sirens and warnings a Cady said. A there would be no room for the Brand name or  in addition to the total percentage of juice in the drink the new labels also would require a full nutritional analysis and a listing of the juices in order of concentration Matthys said. A adding to the Label the percentage of each individual juice in the drink will give the consumer no useful additional information a or any health or nutritional advantage a Matthys said. A in fact it distracts from the key nutritional  the Labelling requirements would also require manufacturers to reveal How much juice is actually in a bottle of a juice drink or a juice  As a result of that proposal Many manufacturers Are moving toward bottling beverages that Are 100 percent juice Silverglade said. A the next cheapest thing to water is Apple and grape juice to use As fillers. But they re being labelled As peach or Strawberry juice a Silverglade said. Under current Labelling regulations manufacturers must list ingredients in order of predominance but not by percentage. The Csepi Survey was based on Reading product labels. A Many fruit juice producers Are misrepresenting the composition of products made from two or More juices Silverglade said. A the of Day a proposed Labelling regulation if finalized would help prevent fruit juice producers from duping  assistance programs can ease worker stress Salt Lake City apr Louise was thrilled when she landed the promotion she had worked so hard to get. Then came the reality of Long hours on the Job at a time when her teen age children needed her the most. As the pressure mounted she thought she had nowhere to turn a until she looked into her company a employee assistance program. A the promotion was making it hard to balance my personal and professional life a said Louise who spoke on condition her last name and company not be identified. The program a helped me explore a few ideas to effectively Parent my  Louise Isnit the Only one with such a dilemma. With skyrocketing counselling costs its difficult for companies to find outside help for employees battling stress at Home and in the workplace. But employee assistance programs offer some answers. Hundreds of thousands across the country Are helping employees Cope with problems while businesses increase productivity and save Money on men Tal health insurance. A your feeling As a whole is that we want a work Elace and employees to be As comfortable As Possi-1c,�?� said ism spokesman Andy Mccormick in Purchase . An employee May voluntarily ask for help or an employer May recommend that a worker seek counselling to combat stress that affects Job performance. The programs typically offer an employee one to eight sessions with Counselor who usually Are clinical social workers. A anything that helps keep distresses a personal or otherwise a out of their jobs we feel helps work performance a Mccormick said. Since 1984, ism has contracted with human affairs International of Salt Lake City for employee assistance programs. Human affairs International was founded in 1973 and purchased by Aetna life and casualty co. In 1988. It provides counselling services to More than to 630 businesses and a million employees at companies such As scars Roebuck and co. Exxon corp. Honeywell inc. And Boeing co. A most major companies in this country now have employee assistance programs a said Jeff St. Romain National account management consultant at human affairs International. A when you have stress on the Job the problem can be manifested in a lot of different ways a he said. A most people come in to see us for either emotional family or marital  but the programs Arentt without critics who argue the programs can be stumbling blocks to Quality therapy. A it looks like a lot of employees Are using employee assistance programs but they May not be getting what they really need a said Doug Mottonen manager of mental health care of Utah which also offers employee assistance services. Mottonen himself a clinical social worker fears that too often employees substitute a few sessions for continuous care. Investors guide secured credit card could be Only recourse by Bill Doyle q to rent a car or in some places even Cash a Check it is necessary to have a credit card. Because of a bankruptcy my husband and i went through following his open cart surgery we could get Only a secured credit card backed by a $2,500 certificate of Deposit. A a. After my husbands death that card was revoked and my application for a credit card in my name was refused. This was despite the fact that i came into a considerable amount of insurance and own a Lovely Home and a 1990 Ford. Nothing seens to matter to credit card issuers since i am a 62-year-old widow with Only a $600 monthly social Security Check coming in. I need a credit card even if it must be secured. Can you advise me How to approach this a there a a Strong possibility you will be Able to obtain a secured credit card. Such cards Are offered by a number of Banks. Some accept applicants with previous credit problems such As late pay ments and even bankruptcies others to not. Sonic do not Issue cards to out of state residents. My advice is to Send $4 to bankcard holders of America 560 Herndon Parkway suite 120, Herndon a. 22070, for a list of secured visa and Mastercard issuers Doyle and information about them. A the list was developed to help the millions of americans who have had credit trouble in the past but who now pay their Bills on time a a spokesman said. A it is designed to help them avoid excessive debt to give them another Chance to obtain credit and to establish Good credit  the list also can be helpful to people who want to establish credit or obtain their first credit cards. Unhappily credit often is denied to folks with no credit re cords. The secured cards look like and Are used like any other visa or Mastercard. But As was the Story with your previous secured card you Are required to Deposit Money in the issuing Bank As collateral. If you renege on your credit card debt the Bank will tap that collateral. Q my monthly pension Check goes by direct Deposit to my Bank account. Suppose the Bank which has its share of financial trouble is closed Down How do 1 prevent the electronic Transfer of my pension payments by the payer a simply Contact the pension payer be it your former employer or a pension fund trustee. Alert the pension payer to the Bank s closing. Arrange to receive your pension checks by mail or to have them go by direct Deposit to some other Bank. To do the latter of course you must have an account at the other Bank. Pension payers Are accustomed to shitting direct deposits. So Are Banks. Your new Bank probably will have forms you can fill out directing your pension payer to move the direct deposits. All this might be unnecessary. In a Typ ical Bank failure the busted institution Isnit slammed shut. Instead it is merged into another Bank or its despoil to Are moved to another Bank. Assuming that happens your pension will go by direct Deposit to the other Bank and you will hardly notice the change. Through All this your Money will have Federal Deposit insurance corp. Coverage of up to $100,000. Q i disagree with your statement that every Deposit a person has in his or her name alone at each Bank or savings and loan association a in checking savings cd or anything else a is totalled to arrive at the $100,000 per depositor per institution Odic limit. My a amp a tells me my individual retirement account is insured separately. Is that right a yes. Iras and Keogh self employed retirement plans at each Bank and a amp a do have separate Odic coverage. But the accounts mentioned in the previous column were not in iras or Keogh plans. Doyla welcomes written questions but he can provide answers Only through the column. C King features