Monthly Archives: December 2018

Peer Review Post

I chose to do a peer review on mwalker92, “Early Life and Childhood/Youth Prompt 1” post.

  • From reading this contribution, I learned that parents and parents-to-be as consumers are very vulnerable when it comes to the health and well-being of their children.
  • It would be good for soon-to-be parents or new parents to read this contribution, because it will give them a better understanding of what products and services are necessary and which ones may not be necessary for the health and well-being of the child.
  • The strongest (or most credible) part of this contribution is the section that talks about the Cord Blood Controversy.  The writer details that this is a new fad, but that it is not necessarily effective.  What is not told to consumers is that the blood that is banked could be diseased, and therefore, not usable.
  • The weakest part (or something that someone might question) about this contribution is . . . .overall, I thought that this contribution was pretty strong.  I do not see any criticism in weakness.
  • (If any) One part that I had to read more than once in order to understand it is . . . .the writing was clear and I did not have to re-read any portion of the post in order to understand it.
  • (If any) I found 1 typos, spelling, grammar, &/or punctuation errors. *NOTE: Be specific (“2nd sentence in 1st paragraph, misspelled surgery.”)

On the 3rd line, there was no comma after the word “life.”

  • One part that made me want to read more on this topic is the portion about the Cord Blood Bank.  I had a baby a year ago and was given the option to bank her cord blood.  But, I was not given all of the facts.  I chose not to do it, but if I had I would have been upset about the fact that not all the blood is usable.
  • On a 1 to 4 scale where 1 is the lowest possible and 4 is the highest possible, I rate this contribution a 4 overall, because it was strong, little errors, and informative.

Glossary Builder #4

In the 1990’s, Washington began allowing individuals to run Adult Family Homes. Rather than live in a nursing home facility or something similar, the elderly are given an option to live in a cozy home and be cared for at the same time. This sounded like a wonderful idea 20 years ago, but it has come down to the fact that many of the elderly adults are being exploited and abused by their caretakers within the home (Berens, 2011).

According to the FDA, Federal Law requires that prescription drugs be safe and effective. However, physicians and consumers cannot assume that every drug on the market has been approved by the FDA. If it has not been approved by the FDA, it is very possible that it will not meet the standards of an effective and quality drug.   Many older drugs are marketed in the US illegally without being approved by the FDA (Unapproved Prescription Drugs, 2017).

–          Adult Family Home: licensed to provide housing and care services for 2-6 adults in a regular home located in a residential neighborhood. The AFH may be run by a family, single person, or business partners.

–          FDA: a federal agency of the United States Department of Health and Human Services, one of the United States federal executive departments. The FDA is responsible for protecting and promoting public health through the control and supervision of food safety, tobacco products, dietary supplements, prescription and over-the-counter pharmaceutical drugs, vaccines, biopharmaceuticals, blood transfusions, medical devices, electromagnetic radiation emitting devices, cosmetics, animal foods & feed and veterinary products.

–          Prescription drugs: a pharmaceutical drug that legally requires a medical prescription to be dispensed.

Berens, M. (2011). How the aged and frail are exploited in Washington’s adult family homes. The Seattle Times.

Unapproved Prescription Drugs: Drugs Marketed in the United States That Do Not Have Required FDA Approval. (2017). U.S. Food and Drug Administration.

Pharmaceutical Industry Prompt 2

While browsing the FDA website about DTC prescription drug advertising, I came across a tab labeled, “Prescription Drug Advertising: Questions to Ask Yourself.”  In my opinion that was the most relevant section of the website.  I feel this way because it really makes you think more about the drugs that you put into your body.  I think that a lot of times people will go off of the advice and suggestions of their doctors because they trust them; after all, they are professionals.  But, doctors make mistakes too.  It is very beneficial to ask all of the right questions before starting a medication.  It could be likely that one of the questions asked sparks a thought or memory in the doctor’s head.  The doctor could then suggest an alternative medication due to the fact that the one he/she suggested before really would not work for that person.  I really like that the FDA website lays out a handful of helpful questions to ask the doctor.  Any of those questions can really stop a person’s health from declining or not improving due to human error.

Consumers may still be at risk of the rising costs of medications.  As pointed out in the slide, drugs are frequently patented.  A patented drug is more expensive.  The risk is that a high-risk pregnancy may cost $1,000’s.

Illness & Mortality Prompt 1

I took a look at Washington State’s Department of Social and Health Services Aging and Long Term Support website.  As I was browsing, I came across a tab labeled “long term care & services information.”  This website was very easy to browse and very reader friendly.  It lays out which types of housing that an elderly person may need, such as nursing home, adult family home, and assisted living.  It also helps you navigate through the site so that you can find a living facility for your loved one. There is a home locator on the site so that you can enter in the approximate area that your loved one would like to live, and it brings up all of the possible facilities for them to live in.  Not only does this website provide information for the patient needing the care, it also provides information for the caregiver.  There is a tab for the caregiver to visit to gain support and more information and programs for caregivers.

On this site, I do not see anything that isn’t helpful.  As I said previously, the website is laid out very user friendly.  It should be fairly easy for anyone to access and navigate.  For more information on long-term elderly care, I would suggest that a person start at any of Washington State’s Department of Social and Health Services website.  If you are not in Washington State, you can visit your states equivalent website. From there, you will be led to numerous resources and be given an abundance of information.

Glossary Builder #3

According to the Federal Trade Commision, debt does not go away when the debtor dies (Debts and Deceased, 2011). When a person passes away all of their assets and liabilities go into the person’s “estate.” Essentially, the estate is liquidated and any money within the estate is to pay-off the person’s debt. If there is not even money in the estate to pay off the debts, the debts will go unpaid; unless there is a living co-signer or spouse (Debts and Deceased, 2011).

The Nutrition Labeling and Education Act of 1990 (NLEA) established labeling regulation on food packaging to require the Nutrition Facts label (Martinez, 2013). In an effort to lure consumers to purchase its products, companies will add voluntary health and nutrition related (HNR) claims on their products. These claims include “low fat,” “no sodium,” etc., (Martinez, 2013). This type of labelling is in hopes that consumers will buy the product. The U.S. Food and Drug Administration (FDA), is in charge of determining what HNR’s can be used.

  • Estate: all the money and property owned by a particular person, especially at death (Oxford Dictionaries).
  • Debt: a sum of money that is owed or due (Oxford Dictionaries).
  • U.S. Food and Drug Administration (FDA): an administration responsible for protecting the public health by assuring the safety, efficacy, and security of human and veterinary drugs, biological products, medical devices, our nation’s food supply, cosmetics, and products the emit radiation (, 2018).

Debts and Deceased Relatives. (2011). Federal Trade Commission Consumer Information.

Martinez, S. ( 2013). Obesity and Other Health Concerns Lead Food Companies to Step Up Health and Nutrient Claims. USDA.

Oxford Dictionaries. (2018). (2018). Food and Drug Administration.

Food Prompt 2

The article Why “Everything in Moderation” Doesn’t Work is a great article for explaining why moderation isn’t always a good thing. I definitely see myself as part of the group who attempts to eat in moderation, at times, my menu looks the same as the one listed in the article. This article opened my eyes to exactly what moderation should be. I fall under the category of thinking, “since it has been a week since I had a donut, I can indulge on something else now.” But, as the article puts it, having any type of junk food once a day isn’t considered moderation, it is considered a lifestyle (Ross, 2015). I never thought of it like that. I just figured that if I cut back on my sugar intake then I would be consuming it in moderation.

I would assume that I am at an increased risk for chronic, diet-related disease because I do enjoy sugar; probably too much. The article mentions that even if you eat healthfully most of the day, but have a treat each day, that your body is creating an imbalance (Ross, 2015). This imbalance leads to over-indulgence many times. The over-indulgence can lead to a lifestyle of overeating. My take-away from this article is that eating a piece of junk food everyday is not healthful and eventually it will lead to long term diet-related illness. The best method is to cut out junk food completely and never indulge in it.

Ross, J. ( 2015). Why “Everything in Moderation” Doesn’t Work. Greatist.

Finance Matters Prompt #1

I am so glad that bankruptcy was touched on in the consumer finance section. I have worked as a paralegal at a bankruptcy law firm for 13 years.  I have experienced consumers under the old law as well as consumers under the Bankruptcy Abuse Prevention & Consumer Protection Act (BAPCPA) of 2005.  Prior to the law of 2005, anyone could file bankruptcy.  After 2005, congress developed a “means test” to determine whether a consumer qualifies for chapter 7.  In my opinion, the means test does still have some flaws, but for the most part, it is a wonderful tool in determining bankruptcy abuse.  Although the word “bankruptcy” is taboo in our society, bankruptcy can be very beneficial to people who are financially drowning.  Not every person who files bankruptcy has to file due to irresponsibility with their finances.  Many people file because they have accumulated mountains of medical bills due to an injury or an illness.  I have met people from all walks of life while working at a bankruptcy law firm, and have seen so many people benefit from a fresh start.

After reading the piece about starting a business, I think that it is something that every consumer should read before making a decision. The American Dream is to one day own a business.  But, what people don’t know is that the cost to own and run a business is very high.  A business may bring in a lot of money each month, but people do not take into consideration how much money goes out to pay taxes, rent, wages, benefits, utilities, supplies, etc.  No education on starting a business is why many business fold.  The business owner does not have a full grasp on the costs and eventually the owner can not keep up with all of the expenses associated with the business.  Perhaps states should offer more education on owing a business.

Poverty is a real thing in the United States. It is very sad how little money some people live on.  I played the game that was offered under the finance matters tab.  It really opened my eyes to how careful I needed to be spending my money.  Although I do not live in poverty, I still have to carefully manage my money as well.  It is not easy, and it is not something that is taught in school.  Making financial choices can be stressful, and as the game shows, at times a gamble.  While playing that game I realized that my main concern is my children.  I made sure that they had a roof over their heads and food to eat.

Glossary Builder #2

As consumers, we do not always think about safety in the products that we purchase; nor do we think about whether we are protected from hazardous chemicals in those products.  Under the Consumer Protection and Regulation information is an article that discusses Wal-Mart’s announcement in 2013 that it would phase out 10 hazardous chemicals from the fragrances, cosmetics, household cleaners and personal care products that it sells.  The US Toxic Control Substances Act has not had a major update since 1976, therefore, allowing consumer products to be filled with untested chemicals (Koch, 2013).  Chemicals such as bisphenol-A (BPA) and polyvinyl chloride (PVC) has already been banned from products (Koch, 2013).

Cesarean deliveries have increased over the years. Many women are denied the option to have or to try for a vaginal birth after Cesarean (VBAC). In a 2005 survey by Childbirth Connection, it was determined that 45% of women who had a C-section with their prior delivery were interested in trying for a VBAC.  Of that 45% of women who wanted to try a VBAC, 57% of them were denied by their doctor in fear that there would be complications (Roan, 2010).

  • Hazardous chemical: any substance, mixture, or article that satifies the criteria of one or more Globally Harmonised System of Classification and Labelling of Chemicals (GHS) hazard classes, including a classification in Schedule 6 of the WHS Regulations (Health and Safety, 2018).
  • Bisphenol-A (BPA): a chemical produced in large quantities for use primarily in the production of polycarbonate plastics and epoxy resins. Commonly found in water bottles, infant bottles, compact discs, and medical devices (Bispehnol-A (BPA, 2018).
  • VBAC: a vaginal birth by a woman who has undergone a cesarean section in a previous pregnancy.

Bisphenol-A (BPA). (2018). National Institute of Environmental Health Sciences.

Health and Safety. (2018). What are Hazardous Chemicals.

Koch, W. (2013). Wal-Mart announces phase-out of hazardous chemicals. USA Today.

Oxford Dictionaries. (2018). English Oxford Living Dictionaries.

Roan, S. (2010). More women should have choice of vaginal birth after C-section, panel says. LA Times.

Early Life and Childhood Prompt #1

Parents and future parents can be very vulnerable when it comes to family planning and babies. These consumers want what is best for their children and will go to great lengths to get it.  Unfortunately, retail companies know that consumers are in a vulnerable state at this time and they take advantage of it.  This can be done by false advertisements and product price increases.  Based on the slide and the readings, consumers can be very easily misinformed. The problem is that consumers buy into it because they want what is best for their children.

I think the best advice to give parents and parents-to-be is that they do not need to go out and buy all sorts of fancy baby products and contraptions. Purchasing the essentials is all that they really need.  An infant seat, crib/bassinet, diapers, wipes, clothing, and blankets is all that they really need for the first few months of a baby’s life.  It is not necessary to purchase all of the new technological products.  Babies grow so quickly that most of these products are only used for a couple of months before the baby grows out of them.  So, it really is unnecessary to spend a fortune on all of the baby items that are out there.  When I had my first baby 13 years ago, I wanted to make sure that she had the best of everything.  So, I went out and bought everything brand new, and made sure that I had the best of everything.  Twelve years later I had my second child.  I knew better this time around.  I purchased most of her clothing from second hand stores and purchased many of the baby products second hand as well.  I knew that she would only fit in the clothing for a month or two, so I saw no reason to purchase her clothes brand new. Because babies grow so quickly, most of the clothing at the second hand stores are in next to new condition for the fraction of the cost.