HACE 3100: Test 3

CourseStructure object (206798) - University of Georgia

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Obesity	Body Mass Index of 30 or higher.
Body Mass Index (BMI)	A measure of an adult's weight in relation to height.
The percentage of US adults that are overweight or obese (BMI >= 25)	65%
Diseases and conditions caused by obesity	-Hypertension -Type 2 diabetes -Coronary heart disease -Stroke -Gallbladder disease -Osteoarthritis -Sleep apnea -Some cancers
In two decades the prevalence of overweight US children ages 6-11 has ____________.	Doubled
In two decades the prevalence of overweight US teens has _____________.	Tripled
UGA students are willing to give a lower grade to ___________.	Overweight students
Nearly _____ % of the US medical cost can be blamed on obesity	17
Obesity related medical cost are	168 billion annually
Obese people spend ________ more per year on medical care.	$2,800
A school in __________ made overweight student take a fitness class in order to graduate.	Pennsylvania
Vitamin A	Plays a big role in eyesight
Vitamin B	Important in metabolic activity
Vitamin C	Keeps body tissue, like gums and muscles, in good shape and helps body resist infection.
Vitamin D	Needed for strong bones
Vitamin E	Maintains the bodies tissue like the tissue in your eyes and skin
Carbohydrates	Provides energy. Found in bread, rice, beans, milk, popcorn, potatoes, cookies, spaghetti, and corn.
Fats	Needed for making new cells. Found in meats, dairy, milk, butter, cream, nuts, and vegetable oils.
Proteins	Are the building blocks of all cells. Found in milk, meat, eggs, and cheese.
FDA	oversee all food except meat and poultry, bottled water, and wine (<7%)
CDC	Oversees all food borne diseases
USDA	Oversees all meat and poultry, and processed eggs.
Who is the secretary of agriculture	Thomas Vilsack
EPA	Oversees drinking water
National Oceanic and Atmospheric Administration	Oversees fish and seafood
Bureau of Alcohol, Tobacco, and Firearms	Oversees alcoholic beverages except wine.
US Customs	Oversees imported foods
The definition of "Healthy" is said to be very ________.	Subjective
Wellness	Optimal health and vitality
Dimensions of wellness	-Physical wellness -Emotional wellness -Intellectual wellness -Spiritual wellness -Interpersonal and social wellness
Low intake of fruits and vegetables = what?	Increased risk of heart disease
More watching TV = what?	Increased risk of obesity and diabetes
Cigarette smoking = what?	Increased risk of lung cancer
Few healthy behaviors = what?	Increased risk of heart disease
Life expectance in 1850	25 Years
Life expectance in 1950	50+ Years
Life expectance today	75 Years, lower for blacks and native americans.
What are the reasons for increase life expectance?	Sanitation, immunization, disease control, antibiotics, chronic disease treatment.
What percent of gross domestic spending is on health care in the US?	17.50%
GDP	way of measuring the size of a countries economy
Economist believe that health care spending will rise for 2.2 trillion to __________ in 2017 in the US.	4.3 trillion
Health care is _______ times the amount spent on national defense.	4.3
Since '99 health insurance premiums have increased ______ %.	120
Why do people spend money on harmful products like tanning?	Hedonic
When social security was started, less than ____% lived to 65.	5
In Athens the poverty rate is _________	31%
1 out of every ______ Americans are existing below the poverty line	8
_______ million people are uninsured	46.6
In 2009, annual premiums were?	$13,375
In 2009, health as a % of GDP was ________	17%
What complicates health in the US?	-Poor immunization practices -Ineffective prenatal care -Teen pregnancy
_________ girls get pregnant at least once before age 20	4 in 10
The ______ the young woman, the more likely she will become a mother	Poorer
Teen births cost the US _______ per year	9.1 billion
Consequences of teen motherhood.	-Less likely to complete high school -Dependancy on welfare -Single parenthood -More likely to have more children sooner on a limited income -More likely to abuse or neglect the child
What percentage of teen mother get their high school diploma?	32%
What region of the country had the highest STD rate?	the South
At least ______% of sexually active people will have HPV at some point in their lives.	50
What wast the 18th amendment?	Outlawed most alcohol use.
Al Capone was jailed for what?	Tax evasion
Prohibition ultimately failed and was repealed by what amendment?	21st
Todays prohibition is what?	the war on drugs
How many people are behind bars on drug charges?	500,000
What is the estimated cost of the war on drugs?	12 billion
Babies with fetal alcohol syndrome have a _________ head circumference.	small head
What part of the brain does alcohol affect?	Frontal Cortex
Food is...	products from plants or animals that can be taken into the body for energy and nutrients to sustain life and growth.
Nutrition is...	The science of foods and nutrients and their actions within the body.
Consumer spending on food dropped ____% between 1990 and 2000.	10
What is the average annual expenditure on food in 2008?	$3,832
Low income families spend a higher ______ on food than high income families	proportion
Functional Foods	Foods that have had some kind of drug added, such as margarine, which contains a substance that helps lower cholesterol.
Unit pricing	price per standard unit, so that consumer can compare prices easily. example ounces.
Open dating	date when a product should be sold or consumed
Pull date	Last day the product should be sold
Expiration date	Last day that the product should be consumed
Quality assurance date	Last date the product is at its peak
Pack date	date on the product was manufactured or packed
What age group is most likely to eat a diet almost entirely of fast food?	18-24 year olds
What country accounted for almost 25% of all fast food?	England
The slow food movement is also known as...	The "buy local" movement
Organically grown foods are...	foods that can not be treated with synthetic pesticides
Genetic engineering	Use of biotechnology to modify living cells. Example: modified tomatoes that have a longer shelf life.
Biotechnology	Use of organisms to create or modify products. Example: Use of bacteria to make yogurt.
Food irradiation	Using gamma rays, X-rays, or high-voltage electronics to kill potentially harmful substances in foods, such as bacteria.
Additives	Substances added to food intentionally (food color) or by accident (small rocks)
Food allergies	Reactions of the body's immune system to a food or food ingredient.
Boycott	refraining from the purchase of a substance in order to encourage some kind of change.
What are the two largest expenses for most consumers	Housing and Transportation
Housing accounts for about ________ of monthly expenditures.	1/3
Transportation is ______ and expected to increase if fuel prices continue to rise.	18%
Rent	payment for use of a specific property or unit
Lease	a legal document that sets forth the rights and responsibilities of landlord and tenants
Subleasing	Allows renter to lease the property to another person
Security Deposits	Protect the landlord if the tenant vacates w/out making required payments or damages the unit
Days the landlord has to return the security deposit after lease termination	30 days
What if you don't have a lease, are you still protected by the Georgia landlord-tenant laws?	Yes
In Georgia, does the Landlord have to tell a prospective tenant that a murder occurred in the unit?	Only if you ask.
What is your Right to Health and Safety?	Implied right from the Landlord that the unit is fit to live in.
What is your Right to Privacy?	The Landlord may enter in case of emergency or w/ advance notice for inspections and repairs (usually 24 hour notice)
What is your Right to Security?	Includes... -Locks on exterior doors -Window latches on exterior windows -Re-keyed locks on exterior doors before new tenant moves in.
Get promises from landlord in _______.	Writing
Renters insurance	Covers your personal property in the event of theft, loss or destruction. Pay extra for replacement cost insurance.
The national homeownership rate is...	69%
What priced house should you buy?	2 1/2 your annual income
House payments should be no more than ____ of your monthly income.	28%
House and debt payments should be no more than ____ of your monthly income.	36%
If a household spends more than _____ percent of their income on housing, they are considered to have a "unaffordable" burden.	30%
If a household spends more than _____ percent of their income on housing, they are considered to have a "critical" burden.	50%
Subprime mortgage loans	Loans given to households w/ poor credit history
"Loan Targeting"	Loans target a specific population or group of people
Invoice Price	Price manufacturer charges to dealer
Base Price	Cost of car including standard equipment and factory warranty
Sticker Price	Dealer installed options, and dealer markup
______ of cars sold are used	2/3
Used cars can avoid up _____ percent of depreciation cost.	40
One disadvantage of a used car is it may contain...	serious hidden defects
Dealerships account for approximately ____ percent of used cars sold.	50
Before negotiating	Get info on car
Before you buy the car	Call the previous owner
When you make an offer on a car is should be ________ below the max you can pay	15-20%
Closed-end leases	-Normally offer a purchase option -Require the dealer to be responsible for resale -Account of about 80% of all leases
Open-end leases	-Compare the fair market value to the lease's residual value of the vehicle -Are to be avoided b/c you pay the difference
Lessor	The company that owns the automobile
Lessee	The consumer
Gross capital cost	The price of the car for leasing purposes
Capitalized cost reduction	Amount of cash down payment, trade-in or rebate.
Residual value	The auto's value at the end of the lease
Rent charge	An amount paid by the lessee that may include interest, overhead and profit.
Money Factor	This figure, also known as the lease rate or monthly lease fee, is the interest rate built into all leases.
Gap Insurance	If the lease car is totaled or stolen, gap insurance covers the difference between the replacement value of the car and what is still owed on the lease.
Financial plan	A financial plan based on income and expenditures in a month
Emergency Fund	Three to six months of salary set aside as savings.
Certificates of deposit	A type of time deposit that is usually a safe way to store money from seven days to several years.
Smart cards	Worth small sums of money that is paid in advance
Depository Institutions Deregulation and Monetary Control Act of 1980 did what?	Opened up competition with new forms of banking
What is the Bank Secrecy Act?	Requires all national banks to file a Suspicious Activity Report when they detect certain known or suspected violations of federal law or suspicious activity related to money laundering.
Financial Planner	Looks at a persons total financial picture and helps that person define and prioritize goals and then works out a plan to achieve those goals.
Certified Divorce Planner	A specialist who is trained to focus on who gets the assets in a divorce
Interest	The cost of using money
Credit cards came in to existence in ______.	1973
Loans	Sums of money lent at interest.
Debts	What is owed
Ch 7 Bankruptcy	In return for eliminating debts, the debtor agrees to turn over nonexempt assets and pay as much as possible to creditors
Ch 13 Bankruptcy	Allows debtor to repay some of the debt which they owe, and they get to keep their assets.


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HACE 3100: Test 3

145 Cards in this Set

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