FCS Final

Debt

what the borrower owes the bank that lent them money

Nature versus Nurture

how do they affect development both are important to understand child development; nature- genetics/biological factors influence an individual’s personality; nurture- their environment influences an individual’s personality

Lemon Law

rights to the consumer who purchased a defective item usually cars

Brain Development

in the womb connections are being made as a person grows from a baby into adulthood

Food borne illness can result in

fever, diarrhea and nauseous

Gross pay

the amount of money in a paycheck before deductions are made

Carbohydrate

Sugars, starches, and fiber.

Federal trade commission (FTC)

promotes consumer protection and eliminates harmful anti-competitive business practices

John Locke’s theory

everyone has a blank slate/mind when they are born

Protein

growth, maintenance and repair of body tissues.

Synapses

a junction between nerve cells.

What is the building block of teeth and bones?

calcium

Lease

agreement between the renter and the landlord.

Overtime

working extra hours usually for more money.

Deductions

money that is subtracted or taken from your paycheck.

Redress

money or benefits that a consumer receives as fair compensation for a company’s mistake.

Convenience foods

are expensive, but save you time in preparation.

Debit Card

funds are immediately withdrawn from consumer’s bank account.

Lenders

can deny giving credit when they have outstanding debt; decide to approve loans when they examine your bill paying history and income

Villi

Increase surface area of absorption of nutrients in the small intestine

Insurance adjuster

a person who investigates and settles insurance claims.

Moral

what is considered right or wrong

Physical

large and small motor groups

Intellectual

intellectual development

Emotional

how we grow and learn to deal with our emotions

Social

how we learn to interact with the people around us

Maslow’s Theory

hierarchy of needs

Wiring

neurons that make connections

Pruning

brain removed connections not needed-think of pruning a trees dead branches

Child Safety

car seats, baby swings, play pens, tubs etc.

Storytelling

children like repetition, stories they can relate to, appreciate a love of learning, we read from left to right, relationship between written word and spoken language

Digestion

where are nutrients absorbed primarily the small intestine

Nutrient dense fruits and vegetables

dark in color and rich in vitamins and minerals

Carbohydrate choices

100% stone ground whole wheat, limit sugar (simple sugars like soda and candy)

Six major nutrients

Fat Pigs Can’t Move Very Well; fats, proteins, carbohydrates, minerals, vitamins, water

Food Label

regulated by the FDA; ingredients go from greatest amount to least

Healthiest fats are

unsaturated (omega 3, polyunsaturated, monounsaturated)

Fiber

non digestible carbohydrate; helps flush out intestine by absorption of fat

Trans fat

worst type of fat, typically in packaged foods, long shelf life, doesn't go rancid

Sanitation

best place is the dishwasher because water can get very hot; or use a bleach solution (ex: wooden cutting boards harbor bacteria)

Cost of Convenience

what is your time worth?; convenience foods are expensive, but save you time in preparation

Credit Card

buy now pay later

Fixed expense

amount stays the same (rent)

Flexible expenses

the cost will vary (utilities)

Insurance quote

the insurance companys estimate of what they can offer you and at what cost

Collusion

practices that eliminate competition through secret agreements

Credit

money given in exchange for a promise for future payment

Annual percentage Rate

the interest rate over the period of one year that applies to credit cards and loans

5 areas of child developement

MPIES (moral, physical, intellectual, emotional, social)

“Use it or lose it”

what we do not use gets eliminated

prefrontal cortex

LAST PART OF THE BRAIN TO DEVELOP; can make teens impulsive and risk takers

“Window of Opportunity”

when it is the easiest to learn a new skill

Piaget’s findings

Children go through four stages of learning and must be given learning tasks appropriate to their level of development.

Erikson’s findings

Childhoods development is life long and child's behavior develops in various stages.

Skinner’s findings

Learning can be broken down into smaller tasks and that offering immediate rewards for accomplisments would stimulate further learning. Child's actions that have positive results have children repeating those actions but if they have negative results than children stop the actions.

Montessori’s findings

An approach to classroom learnign that emphasizes independence and choice. Children have an innate interest to learn and will be able to do so in a suitable environment.

Gardener’s findings

People are not born with all of the intelligence they will ever have.

Maslow’s findings

Hierarchy of needs that portrays a human's beneficial needs from most important to least. (physiological, safety, love/belonging, esteem, self-actualization)

My Plate

recommended by the USDA for food guidelines ½ your foods should be fruits and vegetables

Saturated Fats

animal fats, any animal or animal bi-product

Danger zones for bacteria

40-140 degrees Farenheit; freezing food doesn’t kill bacteria, ground beef carries a very high risk for bacteria, defrost foods in the refrigerator to slow down bacterial growth

Budget

a spending plan for your money

loan

when money is given to another party in exchange for repayment of the loan principal amount plus interest

What happens if you cosign a loan for someone?

you become responsible for repaying the loan if the person defaults

When signing a lease…

read carefully and understand all the terms

Deductible

the amount of money the insured person must pay before the insurance company starts payment

FDA

Food and Drug Administration; enforces food safety laws governing domestic and imported foods, except meat and poultry

FSIS

Food Safety and Inspection; enforces food safety laws governing domestic and imported meats and poultry and related products, such as meats or poultry containing stews, pizza, and frozen food

CDC

Center for Disease Control; monitors rates of and trends in food borne disease outbreaks investigates with local, state, and other federal officials sources of food born disease outbreaks

EPA

Environmental Protection Agency; regulates toxic substances and waste to prevent their entry into the environment and the food chain

USAD

United States Department of Agriculture; responsible for federal execution of laws pertaining to farming, forestry, rural economic development, and food production

Technology/Governmental/Regional Agriculture Responsiblity

USDA

Credit card statement

a monthly statement showing cardholder what is owed and what was purchased

Net pay

(fishing) what you actually take home

Rate

how much you are paid per hour

Federal taxes

a percentage of an employee’s wages go to the federal government

5%-20% rule

if the %DV is less than 5% there is a low amount of this nutrient, while if the %DV is greater than 20% there is a high amount of this nutrient

What color is the serving information?

green

What color is the calorie section?

pink

What color is the nutrients section?

orange

What color is the Daily Value section?

purple

How much is the serving size?

1 cup

How much calories per serving size?

280

How much total fat and how much saturated fat?

9g; 4.5g

How much cholesterol, sodium, and protein?

35mg; 850mg; 15g

What nutrient makes up 10% of the Daily Value?

potassium

What nutrients are considered low?

added sugars, vitamin D

What nutrients are considered high?

saturated fat, sodium, calcium

What nutrients are considered middle in the Daily Value scale?

total fat, cholesterol, total carbohydrate, dietary fiber, iron, potassium

What four changes were made to the Nutrition Facts label?

daily value updated; added sugars, potassium, and vitamin D were added; calories are bolded and in larger font; serving size updated to reflect amounts people typically eat