Tag Archives: assignments

Weekly posts

Consumer Protection & Regulation Oct 13/15

As a big consumer of online everything, I thought it was interesting to learn about the Consumer protection regulations that exist for us shoppers. These regulations can be helpful to those who have deposits in their bank, because it can protect them with their confidential information that may be seen by private firms, from taking out a loan with an unknown interest rate, and again, from being a victim of credit card hacking. The regulations are actually very helpful to consumers, because imagine trying to buy something that says it has no interests at all, and then finding out it has a 30% interest rate. I would honestly not be too happy about having to pay a 30% for a loan when I could have searched with a different bank for a smaller interest rate. One of the flaws that is mentioned is that having access to this information will do no good, when most of us are not understanding how to evaluate the financial information given to us. That is why it would be recommended to have a financial advisor that knows a thing or two about buying houses, so that you are able to make the best financial and personal decision on your dream home.

 

Early life and Childhood/Youth Prompt 1: Oct 20/22

 

Since I already used the Babies_Etc_ Slides for my first prompt, I decided to take on the first prompt on the Birth Slides. The first slide starts off the question, who are the consumers? In this case, mothers and father to be and the fetus. Parents to be are especially vulnerable to fall in the trap of thinking they need every single baby item that hits the market. They are also vulnerable to being pushed by other consumers or producers into which birth methods to use. It is very common to have babies at a hospital, since they will have people that can look after them from the moment they find out they are pregnant. There is, however, another popular method to giving birth and that is by having a midwife. Midwifes are to be licensed before practicing, as required by Washington state. Insurance companies cover this method, and Medicaid is one of them. On another note, I always hear mothers ask if they are getting epidural. You know, the big needle placed on the mother’s back prior to giving birth to help ease the intense pains. This needle process is known as an epidural and it is quite common for many mothers that give birth in hospitals. As common as epidurals are, it is also common to ask mothers that question, and it almost seems as if it done to see which mothers are NOT taking the epidural. Why is it so common to hear about epidurals? I would say it is, because many women are scared to have one during their labor due to the scary risks that they hear about. Finally, one of the most important slides that were mentioned (at least to me based on what I read because I have no children to actually know how these things are practiced) was the slide on maternity care. In terms of the baby’s health, it all starts off with the fetus. Babies can be born at full term, but may experience Fetal Alcohol Syndrome if the mother consumed alcohol while pregnant. One of the slides mentions that evidence shows that there is not enough resources for maternity care. It mentions smoking cessation support, which would be fitting for Fetal Alcohol cessation support. It is hard for many mothers to stop the bad habits that can affect their babies before they are even born like smoking, alcohol and drugs, which is why it would be helpful if mothers could find many resources to help them cease these habits (minimum throughout their pregnancy).

 

Financial Health Prompt 1: Oct 27/29

Financial health is just as important as physical and mental health, when it comes to taking care of oneself. I really can’t say what is important about financial health decisions, since I don’t make wise choices when it comes to that either. I can say that speaking for myself and for things that I feel I should always strive to improve on is making sure that I think about what I buy. Regardless of what is it, I tend to buy things without realizing (more like thinking about or acknowledging) that it can harm the environment or even myself. I am big fan of anything makeup, and I realize that I do have to work on buying less of it, especially since I have yet to go through my first eyeshadow palettes that I got years ago (which by the way they just had to be tossed out without being close to it being empty). My point is that we should all work towards consuming just a tiny bit less to help out our wallets, our health, and our mental wellness. My hope is that we can work every day, even if it is in small steps, towards simplicity. I guess that could be a challenge in today’s world of consumerism, but I do think that it is possible to maximize our health status. Policy makers, I think, should focus on the way that products are sold to us, by making sure that no label has even more “hidden” labels. It would make us as consumers really think about what is going into the products that we buy. Though it is a team effort (from policymakers and us as consumers), it is ultimately up to the person that is affected by the product directly and their friends and family to help them make wise choices as consumers. By consuming less, we can avoid financial problems with our credit cards, our housing situation, and even helping out those that may need a boost financially.

 

Prompt 1: Foods in Moderations does work? Nov 10/12

 

Okay, Okay, right off the bat I’d have to agree with the description that the article gives on what most of us consider “moderation”. That one doughnut, or that one pizza night will add up in the long run if that is the way that I eat every single day. “When you are eating something from the same category of non-health foods once a day, it’s not a treat- it’s a habit” (Greatest.com). I definitely see myself as “justified” “moderator”, because I justify all the moderation that I do with my eating, and wow is that a big part of my diet. I tend to justify my eating habits by the amount of exercise that I do at my place of work. I walk at a fast pace all day and only sit to enjoy my breaks, which make me justify the way I eat when I get home, because I must have burned off all those calories right? It is true, that perhaps eating this way may at some point increase all probabilities of getting some sort of diet-related disease, and I should especially consider this because my dad and his family have hypertension, diabetes, high cholesterol and other health problems that could be controlled better with a healthier lifestyle.

Retrieved from:https://consuminghealthmatters.files.wordpress.com/2017/04/whyeverythinginmoderationdoesntworkarticle.pdf

Prompt Two Oct6/8

Have you ever read a CBO report, or even a summary of one? Do you know what the CBO is? Consumers really should know about this important piece of our federal government.  CBO stands for Congressional Budget Office, and it provides nonpartisan (meaning not slanted toward either party) information and analyses surrounding bills and laws. Take a look at this agency’s take on the proposed American Health Care Act, that, if signed into law, would replace the ACA. Once you’ve read at least a bit of it, respond to the questions below. What did you learn reading this resource that you think many consumers probably don’t know? What do you want to know now? Where might you find out more?

 

I had never heard of what a CBO report consisted of or what it really meant in terms of a budget report. After doing a bit a research on the topic, I came to the conclusion that the CBO provides as the name states, the budget information to Congress. It is a nonpartisan agency that works with the staff from the Joint Committee on Taxation (JCT) in providing an estimate of what is spent from the ACA and how reductions in the budget for that program could affect the people and the government. It would reduce the spending of the program by 26% in 2026, yet it would also affect those who benefit from this policy if they became uninsured. One of the things that I learned about this report and this Act specifically is that the reports are very detailed with unbiased information on how the budget is used and how it can be improved. I would want to know about the CBO itself and what it is that is suggested for people to do if the budget is cut and they find themselves uninsured. I know that it is an informative website on budget, but it could also be helpful if they set up links where they could read more about how it affects them and where they can find resources where it’s in their area or online. In this case, I could probably find out more about it by searching other websites, or perhaps even by asking with local health insurance workers (clinics and hospitals).

 

 

 Prompt 1: Illness and Mortality Prompt Nov 17/19

Basic consumer help for illness, long-term care, and death and dying

I decided to type in long term care in the search bar, and the first website that popped up was LongTermCare. Gov. As soon as I clicked on this website, It gave me several links to topics like The Basics, Medicare & Medicaid, Where you Live Matters, How to Decide, Cost & Pay, as well as care according to age. I wouldn’t really say that there is anything that is less helpful, because the website also has links to help you find services and health studies, like Alzheimer’s. If this website didn’t work out, I would suggest for people to look at websites that might specifically cater to their needs or the needs of their loved ones. For example, if someone was only looking for illness care, then I would start off with that search, and if that didn’t work out, I would also try calling my local health care offices.

Retrieved from: https://longtermcare.acl.gov/

 

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Understanding Fiduciaries

The fiduciary rule, something I personally have never heard of until today, seems like a no brainer. Apparently, financial advisors are allowed to give advice that is not in the best interest of their clients. Their advice will, in turn, benefit the advisors instead. All of this is 100% legal unless you are, what is called, a fiduciary. This is a term for a group of professionals that are legitimately required to put the clients’ interests and benefits before their own. This “fiduciary rule” seems like it should be an obligation for everyone in the financial advising world however, it sadly is not.

Both the articles, one written by Kathryn Lee and the other by Patrick Tucker, came down to the same conclusion. The fiduciary rule is, in fact, a good one. Tucker and Lee are in favor of fiduciaries and think that financial advisors, who do not work under this rule, are scammers and con-artists. I, myself, happen to agree with them. The article written by Lee was much easier for me to understand. She got right to the point and explained exactly what a fiduciary is and how the rule works. Lee also explained that it is legal for financial advisors to give one-sided advice to clients, which I was not aware of. Reading her article, I was able to pinpoint exactly which side she stood on as well as gain information I was uninformed of. The tone in Tucker’s article was too far over my head. I have very little knowledge in the legal world as well as the financial world, so it was difficult to comprehend much of the vocabulary he chose to use. It was also a challenge to identify which side Tucker took because of the lack of familiarity I had with his writing. I think that it is very important to understand that many clients go to financial advisors and fiduciaries because they are unaware of laws and legal terms. Which is why, regarding the readings, Lee’s article is more consumer friendly. If I was seeking financial help, I would now know to look for a fiduciary or be weary of all financial advice I was receiving.

C P & R: Prompt One

As a consumer of sodium, it is hard to say whether I feel protected or not. I will admit that, as a college student, I find myself eating fast food more than I’d like to admit. On Friday nights when it has been a long week and I can’t quite seem to find the energy to cook, it’s always easiest to grab a bite to eat somewhere outside of my home. Even though I am a nutrition major and care deeply about remaining healthy, I do have my slip ups. This is what causes me to be so unsure of how protected I am when it comes to being a consumer of sodium. I feel as if when I eat my own food at home my sodium intake is extremely low and when the weekend hits and I eat out most the days, my sodium intake must be at an all-time high. These two put me in the extremes of low sodium and very high sodium, which is what makes me wonder about my protection, is that healthy?

There is a large chunk of information that I do know about sodium and the impact large quantities of it have on your health however, there is also a lot for me to learn. I know that salt can increase your blood pressure which causes the heart to have to work harder. An unhealthy heart can lead to a multitude of negative health problems. I am also aware that adults should not consume more than 2,300 mg of sodium daily. For me, what I need to understand and learn about, is how to track my daily intake in milligrams so I can keep from going over 2,300 during the weekends.

Another way to help those keep track of how much sodium they consume would to remain comfortable and up to date on the laws regarding food labels. There is a specific spot on nutrition fact labels that show exactly how much sodium is in certain food items base on serving size. There is also a small place located beneath the nutrition facts that remind you how much should be consumed daily: 2,300 mg. With that being said, I think it is very important to be your own protector when it comes to sodium and excess consumption. In our world today, it is very easily hidden in so many different foods we eat. To remain healthy and protected as a consumer, education should be the number one priority.

Link

Thinking and Discourse (Prompt 3)

There are certain aspects of consumer health that interests us more than others. For example, if you buy cosmetics, you might be interested in the financial, economic, and environmental issues that are caused by some brands more than others, and same can be said about consumer health- babies and small children.

I decided to answer prompt 3 for this week, specifically the slides on babies. I don’t have children, but my friends do, and I find it very interesting to understand what it is that they look for when they go out and purchase in the baby market/world.

I mostly found the slides about “Keeping kids Safe” interesting, specifically the section on “BPA in baby bottles”. It’s such a random thing to think about, or to even connect this point to the other, but I found this section interesting, because my friend and I were talking the other day about her newborns and their feeding schedule. She brought this up randomly, but she told me to spread the word about these amazing baby bottles she found at our local supermarket. I went looking for these baby bottles to gift to my friend for her baby shower, and that is when I discovered a million different bottles/ feeding utensils. It is ultimately up to the consumer to decide what to purchase based on their knowledge of the product. For example, you might have two parents looking for a baby bottle, but they might leave the store with something different than the other, because they are looking for something that caters specifically to their child.

Since babies are…well.. babies, they depend on others to look after their health. This would include bottles, nutrition, risks at home, clothing, toys, and the list goes on forever. Another slide that caught my attention for this reason was the “Feeding older Kids”. Once children leave their home and go off to school for the first time, it is essential to make sure that they are not only being fed, but also making sure that they are given the best possible options like fruits and vegetables. Laws have been passed that help provide schools with local and fresh foods, and also help fund low-income elementary schools that may not be able to source out healthy snacks.

intro- first blog post

Hello!

My name is Brenda and I just transferred to Central to hopefully finish my social science (IDS) degree. One of the things that I hope to accomplish with my major is having the ability to help others. Before I started college, I wanted to pursue a degree in the medical field for the same reasons, but then I realized that I wouldn’t be 100% committed to all the intense science courses. Anyway, I hope to help victims of domestic violence and sexual abuse by working with my local New Hope agency.

As far as my consumer health status goes.. it is something that I am constantly trying to work on. I am not trying to pressure myself into following a certain method, so I am trying to improve my overall lifestyle in small changes. As far as buying groceries, my family and I try to incorporate fresh produce and local, when possible. We grow our own veggies, so we know how fresh and free of chemicals they are. Of course this is not always possible, so we often try to buy the “healthiest” options of what we’re looking for.

My goals for now are to make sure that I am giving, or at least doing my best to give 100% at my full-time job and full-time school course load. I am also hoping to have time to volunteer at New Hope as much as I can, so that I can continue to learn about my career path.

Family and patience are two things I truly value, and that I am always working on. I want to focus on the bigger picture as opposed to stressing out or losing my patience on the little things. Family is everything to me and they are part of the reason why I continue my education.

Two rights that I can think of are freedom of speech and freedom of religion. We are able to express our opinions as well as religious choices. Two rights that I believe we should have are the ability to give everyone a higher education and healthcare. I know there are people out there that would love to go to college, but can’t because they cannot afford it despite having full-time jobs.