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HACE 3100: Test 3
Obesity
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Body Mass Index of 30 or higher.
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Body Mass Index (BMI)
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A measure of an adult's weight in relation to height.
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The percentage of US adults that are overweight or obese (BMI >= 25)
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65%
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Diseases and conditions caused by obesity
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-Hypertension
-Type 2 diabetes
-Coronary heart disease
-Stroke
-Gallbladder disease
-Osteoarthritis
-Sleep apnea
-Some cancers
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In two decades the prevalence of overweight US children ages 6-11 has ____________.
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Doubled
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In two decades the prevalence of overweight US teens has _____________.
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Tripled
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UGA students are willing to give a lower grade to ___________.
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Overweight students
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Nearly _____ % of the US medical cost can be blamed on obesity
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17
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Obesity related medical cost are
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168 billion annually
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Obese people spend ________ more per year on medical care.
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$2,800
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A school in __________ made overweight student take a fitness class in order to graduate.
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Pennsylvania
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Vitamin A
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Plays a big role in eyesight
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Vitamin B
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Important in metabolic activity
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Vitamin C
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Keeps body tissue, like gums and muscles, in good shape and helps body resist infection.
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Vitamin D
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Needed for strong bones
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Vitamin E
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Maintains the bodies tissue like the tissue in your eyes and skin
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Carbohydrates
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Provides energy. Found in bread, rice, beans, milk, popcorn, potatoes, cookies, spaghetti, and corn.
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Fats
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Needed for making new cells. Found in meats, dairy, milk, butter, cream, nuts, and vegetable oils.
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Proteins
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Are the building blocks of all cells. Found in milk, meat, eggs, and cheese.
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FDA
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oversee all food except meat and poultry, bottled water, and wine (<7%)
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CDC
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Oversees all food borne diseases
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USDA
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Oversees all meat and poultry, and processed eggs.
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Who is the secretary of agriculture
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Thomas Vilsack
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EPA
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Oversees drinking water
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National Oceanic and Atmospheric Administration
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Oversees fish and seafood
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Bureau of Alcohol, Tobacco, and Firearms
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Oversees alcoholic beverages except wine.
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US Customs
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Oversees imported foods
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The definition of "Healthy" is said to be very ________.
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Subjective
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Wellness
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Optimal health and vitality
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Dimensions of wellness
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-Physical wellness
-Emotional wellness
-Intellectual wellness
-Spiritual wellness
-Interpersonal and social wellness
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Low intake of fruits and vegetables = what?
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Increased risk of heart disease
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More watching TV = what?
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Increased risk of obesity and diabetes
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Cigarette smoking = what?
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Increased risk of lung cancer
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Few healthy behaviors = what?
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Increased risk of heart disease
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Life expectance in 1850
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25 Years
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Life expectance in 1950
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50+ Years
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Life expectance today
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75 Years, lower for blacks and native americans.
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What are the reasons for increase life expectance?
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Sanitation, immunization, disease control, antibiotics, chronic disease treatment.
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What percent of gross domestic spending is on health care in the US?
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17.50%
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GDP
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way of measuring the size of a countries economy
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Economist believe that health care spending will rise for 2.2 trillion to __________ in 2017 in the US.
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4.3 trillion
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Health care is _______ times the amount spent on national defense.
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4.3
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Since '99 health insurance premiums have increased ______ %.
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120
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Why do people spend money on harmful products like tanning?
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Hedonic
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When social security was started, less than ____% lived to 65.
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5
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In Athens the poverty rate is _________
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31%
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1 out of every ______ Americans are existing below the poverty line
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8
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_______ million people are uninsured
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46.6
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In 2009, annual premiums were?
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$13,375
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In 2009, health as a % of GDP was ________
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17%
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What complicates health in the US?
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-Poor immunization practices
-Ineffective prenatal care
-Teen pregnancy
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_________ girls get pregnant at least once before age 20
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4 in 10
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The ______ the young woman, the more likely she will become a mother
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Poorer
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Teen births cost the US _______ per year
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9.1 billion
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Consequences of teen motherhood.
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-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
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What percentage of teen mother get their high school diploma?
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32%
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What region of the country had the highest STD rate?
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the South
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At least ______% of sexually active people will have HPV at some point in their lives.
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50
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What wast the 18th amendment?
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Outlawed most alcohol use.
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Al Capone was jailed for what?
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Tax evasion
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Prohibition ultimately failed and was repealed by what amendment?
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21st
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Todays prohibition is what?
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the war on drugs
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How many people are behind bars on drug charges?
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500,000
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What is the estimated cost of the war on drugs?
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12 billion
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Babies with fetal alcohol syndrome have a _________ head circumference.
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small head
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What part of the brain does alcohol affect?
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Frontal Cortex
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Food is...
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products from plants or animals that can be taken into the body for energy and nutrients to sustain life and growth.
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Nutrition is...
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The science of foods and nutrients and their actions within the body.
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Consumer spending on food dropped ____% between 1990 and 2000.
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10
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What is the average annual expenditure on food in 2008?
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$3,832
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Low income families spend a higher ______ on food than high income families
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proportion
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Functional Foods
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Foods that have had some kind of drug added, such as margarine, which contains a substance that helps lower cholesterol.
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Unit pricing
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price per standard unit, so that consumer can compare prices easily. example ounces.
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Open dating
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date when a product should be sold or consumed
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Pull date
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Last day the product should be sold
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Expiration date
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Last day that the product should be consumed
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Quality assurance date
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Last date the product is at its peak
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Pack date
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date on the product was manufactured or packed
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What age group is most likely to eat a diet almost entirely of fast food?
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18-24 year olds
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What country accounted for almost 25% of all fast food?
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England
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The slow food movement is also known as...
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The "buy local" movement
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Organically grown foods are...
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foods that can not be treated with synthetic pesticides
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Genetic engineering
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Use of biotechnology to modify living cells. Example: modified tomatoes that have a longer shelf life.
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Biotechnology
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Use of organisms to create or modify products. Example: Use of bacteria to make yogurt.
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Food irradiation
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Using gamma rays, X-rays, or high-voltage electronics to kill potentially harmful substances in foods, such as bacteria.
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Additives
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Substances added to food intentionally (food color) or by accident (small rocks)
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Food allergies
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Reactions of the body's immune system to a food or food ingredient.
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Boycott
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refraining from the purchase of a substance in order to encourage some kind of change.
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What are the two largest expenses for most consumers
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Housing and Transportation
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Housing accounts for about ________ of monthly expenditures.
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1/3 |
Transportation is ______ and expected to increase if fuel prices continue to rise.
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18%
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Rent
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payment for use of a specific property or unit
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Lease
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a legal document that sets forth the rights and responsibilities of landlord and tenants
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Subleasing
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Allows renter to lease the property to another person
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Security Deposits
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Protect the landlord if the tenant vacates w/out making required payments or damages the unit
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Days the landlord has to return the security deposit after lease termination
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30 days
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What if you don't have a lease, are you still protected by the Georgia landlord-tenant laws?
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Yes
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In Georgia, does the Landlord have to tell a prospective tenant that a murder occurred in the unit?
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Only if you ask.
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What is your Right to Health and Safety?
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Implied right from the Landlord that the unit is fit to live in.
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What is your Right to Privacy?
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The Landlord may enter in case of emergency or w/ advance notice for inspections and repairs (usually 24 hour notice)
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What is your Right to Security?
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Includes...
-Locks on exterior doors
-Window latches on exterior windows
-Re-keyed locks on exterior doors before new tenant moves in.
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Get promises from landlord in _______.
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Writing
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Renters insurance
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Covers your personal property in the event of theft, loss or destruction. Pay extra for replacement cost insurance.
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The national homeownership rate is...
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69%
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What priced house should you buy?
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2 1/2 your annual income
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House payments should be no more than ____ of your monthly income.
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28%
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House and debt payments should be no more than ____ of your monthly income.
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36%
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If a household spends more than _____ percent of their income on housing, they are considered to have a "unaffordable" burden.
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30%
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If a household spends more than _____ percent of their income on housing, they are considered to have a "critical" burden.
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50%
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Subprime mortgage loans
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Loans given to households w/ poor credit history
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"Loan Targeting"
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Loans target a specific population or group of people
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Invoice Price
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Price manufacturer charges to dealer
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Base Price
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Cost of car including standard equipment and factory warranty
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Sticker Price
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Dealer installed options, and dealer markup
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______ of cars sold are used
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2/3 |
Used cars can avoid up _____ percent of depreciation cost.
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40
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One disadvantage of a used car is it may contain...
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serious hidden defects
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Dealerships account for approximately ____ percent of used cars sold.
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50
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Before negotiating
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Get info on car
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Before you buy the car
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Call the previous owner
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When you make an offer on a car is should be ________ below the max you can pay
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15-20%
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Closed-end leases
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-Normally offer a purchase option
-Require the dealer to be responsible for resale
-Account of about 80% of all leases
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Open-end leases
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-Compare the fair market value to the lease's residual value of the vehicle
-Are to be avoided b/c you pay the difference
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Lessor
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The company that owns the automobile
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Lessee
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The consumer
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Gross capital cost
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The price of the car for leasing purposes
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Capitalized cost reduction
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Amount of cash down payment, trade-in or rebate.
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Residual value
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The auto's value at the end of the lease
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Rent charge
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An amount paid by the lessee that may include interest, overhead and profit.
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Money Factor
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This figure, also known as the lease rate or monthly lease fee, is the interest rate built into all leases.
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Gap Insurance
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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.
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Financial plan
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A financial plan based on income and expenditures in a month
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Emergency Fund
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Three to six months of salary set aside as savings.
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Certificates of deposit
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A type of time deposit that is usually a safe way to store money from seven days to several years.
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Smart cards
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Worth small sums of money that is paid in advance
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Depository Institutions Deregulation and Monetary Control Act of 1980 did what?
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Opened up competition with new forms of banking
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What is the Bank Secrecy Act?
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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.
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Financial Planner
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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.
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Certified Divorce Planner
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A specialist who is trained to focus on who gets the assets in a divorce
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Interest
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The cost of using money
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Credit cards came in to existence in ______.
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1973
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Loans
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Sums of money lent at interest.
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Debts
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What is owed
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Ch 7 Bankruptcy
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In return for eliminating debts, the debtor agrees to turn over nonexempt assets and pay as much as possible to creditors
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Ch 13 Bankruptcy
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Allows debtor to repay some of the debt which they owe, and they get to keep their assets.
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