After looking through the Washington state’s website on aging and long term services, what I immediately found helpful was the “Getting Started” page. They have information on what type of care is needed, such as physical, transportation, house care, or with staying social and active in the community. I found this important and useful because I didn’t think about what type of care an adult would need. This website also showed information for in-home services for those who want to stay in their own home. It also has information long-term care housing for adults who might need supervised nursing care, or want to be in a community with other adults to stay social and active. Something I am curious to know is the costs of the different types of services. I would talk to providers to get to know what they offer, and also visit different facilities that offer the type of care my loved one needed to see if they would be happy there.
The fiduciary rule is a new term to me, which means that financial advisers are to put their clients best interests first for their retirement savings and aren’t allowed any compensation or payments that would create a conflict of interest. I did not think that this was an issue in the industry because I assumed that financial advisers would always put the clients best interests first and there didn’t need to be a rule like this.
The student aid bill of rights is a bill that ensures that students are able to pay their monthly payments, can have affordable and quality education, rights to a affordable repayment plan, and the right to have quality customer service from their lenders. The student aid bill of rights is important to students because college can be pretty expensive nowadays. Those who want to go to college are often held back because of its costs, so they are forced to have loans that can take several years to pay off. This bill made it so that payments are 10% of the student borrowers income.
Debt collectors are the people who collects debt a deceased person owes to others. According to the Federal Trade Commission, family members are not required to pay their deceased relative’s debt. Debt collectors can only talk about the debts with the deceased one’s spouse, guardian, executor or administrator. You can protect yourself from a debt collector by sending files and a letter stating for the collector to not contact you again.
After reading, “Why ‘Everything in Moderation’ Doesn’t Work”, it wasn’t very surprising to me the way people perceive eating in moderation actually isn’t good for them. I’m pretty guilty that I used to think like this, I made myself think that eating a bowl of fruit or salad could “cancel” out the gummy worms I ate that day. But I recently changed that mindset after realizing it was not helping with my weight and I was still consuming the sugar, fats, and calories that junk food has. Something else I learned was that even if you eat healthy, having a treat regularly creates an imbalance. I admit that I do at times eat what feels like “moderation,” but I am trying to work on that by cancelling out sugary, fatty, high-caloric foods. Since I am trying to be more physically active by doing weight training and cardio more often, I noticed that what I eat can impact my energy level while working out that day. Eating unhealthy foods made me tired more easily than when I ate something nutritious before working out. I appreciated that the article brought up, “We need to stop self-judging our morals based on our food choices…If you eat a healthful food, you are getting more healthful – you are neither a good nor bad person.” I believe the whole point of this article is to teach people that eating in moderation isn’t what they think it is. That by having some ice cream every day after eating healthy foods can affect you, and people need to start understanding that. However, we shouldn’t beat ourselves up if we have a treat once in a while.
Reading through the Early Life Matter’s readings, one of the new things I learned that stuck out to me was about the cord blood controversy. Cord blood is a source of stem cells from the blood of the umbilical cord. You would think that saving a newborn’s cord blood would be beneficial to them in the future because of the stem cells, but it most likely wouldn’t be because those cells could carry the same genetic defect that you are trying to treat. Most of the time, cord blood does not carry enough stem cells for it to be usable.
VBAC was also a new term to me, which is vaginal birth after cesarean. In some areas, women are not allowed to have a vaginal birth if their previous was a cesarean. Some doctors believe that there are risks involved with it, even though it’s still found safe to do. I have never heard of this issue in hospitals because I always thought that women had the option of what to do, as long as it wasn’t harmful to them or their baby.
The student loan elimination scam is when companies ask for money from students, making them think that it will help eliminate their loan debt. The money they ask from you is like a settlement, but they never work which makes it a scam. I thought this was interesting and relatable because this could happen to some of us after graduating.
The Fiduciary Rule requires financial advisers to put customers first and they are restricted from accepting any kind of compensation or payments that would create a conflict of interest. The rule basically states that financial advisers must put the clients best interests’ ahead of their own for their retirement savings.
Prior to reading both of these articles, I had no idea what the fiduciary rule was. I barely know anything about financial advisers or about retirement savings, other than you should start doing it early on. “4 Arguments Against the Fiduciary Rule Debunked” by Patrick Tucker explained the fiduciary rule better for me. The author was going against the arguments people had for the rule and explaining why they could be incorrect which helped me understand it better. The first article did have a better definition of the fiduciary rule, but the rest of the reading was a little tough for me to understand.
Wednesday: I have a routine of washing my face with cold water every morning to get rid of any oil or germs that might be on my sheets and to help wake myself up in the morning. Brushing my teeth and hair is also part of this morning routine I have. I usually don’t drink water until half an hour or an hour after getting out of bed, so this felt a little weird on my stomach on this day.
Thursday: The night before, I set a glass of water on my night stand so that I remembered to drink water right when I woke up. I continued with my routine of washing my face, and brushing my teeth and hair after waking up. I did spoil myself with coffee because my roommate brewed some that morning.
Friday: I had a glass of water on my night stand again and it’s getting a little easier to drink it in the morning. I don’t have class on Friday’s, so after doing the usual morning routine I went to the gym and kept myself hydrated with lots of water.
Saturday: Weekends are when I sleep in, so I didn’t get to drink my water or do anything until before noon. I still stayed away from coffee or sugary drinks and stuck with my water while I went to the gym that day.
Sunday: I didn’t sleep in as much on this day because I had assignments and online quizzes to do, but drinking water is easier in the mornings. I did get a coffee on this day to keep myself a little more awake while doing school work.
After reading the birth slides and articles, “The Cord Blood Controversy,” stood out to me in terms of families being vulnerable to unneeded stuff for their newborn. Prior to reading this article, I did not know a lot about saving umbilical-cord blood, but I did think it would be useful in a way. But when you really think about it, that umbilical-cord blood is most likely the same type of blood that that child will have years later. The article does say that there is barely a chance of the child needing that blood later on. Although there are stem cells in cord blood, it is unknown if they even have the ability to develop into other types of cells. New parents are more vulnerable to medical or luxury things because they are still learning and want the best of everything for their child of course. I think what most parents would really want to know is what is safe and unsafe for their children. In many products such as food, skincare, and clothing, there are ingredients that could be harmful to the child that they are unaware of. Or even ingredients that claim to do something such as “less fussiness” and not even do that at all in the product. Parents should speak with doctors and educators about what things they could avoid or lean toward when purchasing things for their baby. Raising a family is costly, but thousands of money could be saved by not purchasing unneeded things.
An issue area of concern to me is the hazardous chemicals in cosmetics. This interested me because I own many different types of makeup, perfumes, and skincare products but I don’t really think about the different ingredients they have and if it could be harmful to my body. I think in this area, I am somewhat protected because all products do list every single ingredient/chemical there is in a product. Although most of the time, we don’t even know what over half these ingredients are and if they are harmful to our bodies. It is helpful that some stores like Walmart are banning 10 hazardous chemicals in products in their stores so that less people are affected by it. The US FDA website has a number of articles that show the different chemicals that are in many different products such as hair and nail products, tanning lotions, and makeup. It is definitely important to be aware of the harmful ingredients a product could have so that we can avoid continuously buying that product.
Prior to reading this, I have never read a CBO report or even knew what the CBO was. One of the things that stood out to me was the increased premiums. This shocked me because I thought one of the points to the American Health Care Act was more affordable health care for more people. But because of the higher premiums, more people will be uninsured because not everyone has thousands of dollars to pay out of pocket for healthcare. I am curious as to why premiums are increasing, because I know one of the main reasons that most people don’t have health insurance is because of the cost. I would also want to know what factors would change these projections on health care coverage for the next 10 years. I could find out more by reading more reports like this, or on the ACA website.
One of the words I learned from this weeks slides is hegemony. Hegemony is spontaneous or passive consent. In other words, it’s allowing things to happen even if they will not benefit us at all, but simply because we think that things are meant to happen naturally and that’s how things work. Dictionary.com’s definition of hegemony is “
Market justice is the idea that what is fair in the world or in our life is not possible. It is also the idea that our lives is operated like a market – we spend our hard earned money on things we desire. Market justice is important in consumer health because what we spend our money on can also affect our health. It can be medications to benefit our health, or unhealthy foods that do the opposite.
Social justice is the opposite of market justice and is the desired idea that we have in public health. It is the idea that societies are responsible to make sure everyone has fair and equal outcomes, no matter what healthy behaviors they choose to do. On pachamama.org, they describe social justice as, “governmental implementation of laws/rights that provide equal distribution of resources and opportunities, which in effect protects human dignity.”