HREQ 1800 Lecture 12: Childhood and Society Lecture 12
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QUESTION 1
Adolescents who snack on high-fat foods or sugary foods willdevelop type II diabetes as adults if they
are genetically predisposed. | ||
do not change their eating habits. | ||
gain too much weight. | ||
all of these. |
QUESTION 2
With regard to food intake, if parents do not set limits forchildren, children will
probably become obese by the time they are adolescents. | ||
not learn to set limits for themselves in other aspects of lifeas well. | ||
become too independent as adults. | ||
all of these. |
QUESTION 3
Children will learn to disregard their own internal hunger andsatiety cues if they
observe their parents habitually overeating. | ||
watch too much television, especially food advertisements. | ||
eat too many complex carbohydrates during the day. | ||
drink too many soft drinks. |
QUESTION 4
Parents can teach children to become responsible with regard tofood intake by
modeling the behavior they want the children to learn. | ||
creating positive learning experiences around food. | ||
giving children a certain amount of authority with regard tofood choices. | ||
all of these. |
QUESTION 5
When food is overly important or not attended to properly in thefamily, experts have found that there
are more eating disorders. | ||
are fewer incidences of binging and purging. | ||
is a greater chance for discipline problems. | ||
all of these. |
QUESTION 6
The first concrete element associated with trust, safety, andsecurity between an infant and the primary caregiver is
love. | ||
food. | ||
attention. | ||
all of these. |
QUESTION 7
Adolescent girls who believe they do not measure up to mediaportrayal of the perfect young body image
may develop eating disorders. | ||
develop a stronger self-image and more confidence. | ||
usually are more accepting of their bodies in spite of themagazines. | ||
frequently commit suicide. |
QUESTION 8
Experts agree that people with type II diabetes who ate foodshigh in fat or sugar as adolescents
developed the disease because of their eating habits. | ||
developed the disease because of their genetic background. | ||
developed the disease because they were obese to begin with. | ||
all of these. |
QUESTION 9
Teen magazines could have a positive influence on adolescentbody-image and self-image if the magazines would
focus on things teens can do rather than on what teens looklike. | ||
show "real" teens of all ethnic backgrounds and shapes and notteen models. | ||
not emphasize the "Barbie" doll look as the ideal for teens. | ||
all of these. |
QUESTION 10
The most powerful factor(s) to impact adolescent weight lossinclude(s)
genetics. | ||
the closeness of the family. | ||
peers. | ||
a and b. |
Wendy and Frank Kampe, 30 and 35, are considering the purchaseof life insurance. Wendy doesnât have any coverage whereas Frankhas a $150,000 group policy at work. The Kampes have two youngchildren, ages 3 and 5. Wendy earns $28,000 annually from apart-time, home-based business. Frankâs annual salary is $55,000.From their income, they save $7,500 annually. The rest goes forexpenses. The couple estimates that the children will befinancially dependent for another 20 years.
In preparation for a visit with their insurance agent, theKampes have estimated the following expenses if Frank were todie:
Immediate needs atdeath | $25,000 |
Outstand debt (including mortgage payment) | $90,000 |
Transitional funds for Wendy to expand her business to fullysupport the family | $15,000 |
College expenses for their two children | $205,000 |
They also anticipate, should Frank die, receiving $8,000 a yearin Social Security survivorâs benefits until the youngest childturns 18, and $5,000 annually in pension benefits, until Wendyturns 80. Wendy projects her gross annual income to be $40,000after her business expansion. Once the children areself-supporting, Wendy wants to plan a spousal life income for 10more years, from age 50 to age 60, plus retirement income foranother 20 years from age 60 to age 80. She anticipates receiving a5 percent after-tax, after-inflation return on theirinvestments.
To date, the Kampes have accumulated a total of $107,000 ofassets, not including $45,000 home equity. Their assetsinclude$10,000 considered as an emergency fund, $12,000 of IRAfunds for Wendy, $35,000 in other investments, and $50,000 inFrankâs employer 401(K) plan.
Questions:
Using the needs approach, estimate the amount of additional lifeinsurance, if any, that the Kampes should purchase to protect Wendyif Frank should die.
Should Wendy purchase an insurance policy? Why or why not? Ifso, what type of policy would you recommend for Wendy?
What type of life insurance policy would you recommend thatFrank purchase?
What would happen to Frankâs group life insurance if he leaveshis present job?
What could happen to the Kampesâ children if Frank or Wendyshould die without adequate life insurance coverage?
Should the Kampes name the children as life insurancebeneficiaries?
Which life insurance riders might the Kampes select whenpurchasing a policy?
Since they will make a concerted effort to become informed aboutlife insurance, should they also purchase life insurance on thechildren, rather than waiting until later when they would have toreeducate themselves for life insurance shopping?