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Psychology of Human Development > Exam #3 > Flashcards

Exam #3 Flashcards

1
Q

when we borrow we pay a

A

fee for this privilege

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2
Q

APR

A

annual percentage rate of interest (1%-38%)

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3
Q

cost of the item increases

A

APR decreases

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4
Q

home mortgage APR rate

A

6.5%-7.2%

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5
Q

new car APR rate

A

5%

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6
Q

used car APR rate

A

9%-21%

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7
Q

your target purchase APR rate

A

24%

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8
Q

retail cards average interest rate

A

27%

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9
Q

retail store cards have

A

promotional pressure

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10
Q

Advice for retail store cards

A
  1. apply for a store credit card that you will use (target/amazon)
  2. purchase what you can afford
  3. pay the bill on time each month
    this is how you establish credit
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11
Q

bank credit cards

A

average interest rate 17%
benefits that you will use
read the contract
minimum monthly payment- pay as much as you can
late fees (avg 38$)

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12
Q

debit cards

A

(your lifelines)
overdraft fees (avg $30 per transaction)
psychological disconnect to spending

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13
Q

credit score

A

(300-800)
credit history
# of late payments
# of credit cards you have
collections against you
outstanding medical bills

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14
Q

problems with the marriage definition

A

religious
early adulthood
sexual expression
childbearing
lifelong

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15
Q

average age of marriage

A

28

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16
Q

infidelity rate

A

70%

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17
Q

reasons for fewer people marrying

A

increasing age
increasing cohabitation

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18
Q

as the SES increases marriage rates

A

increase

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19
Q

what percentage of the US was married in 2017

A

50%

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20
Q

remarriage

A

1960= 13% 2016= 40%
men remarry twice the rate of women

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21
Q

homogamy

A

basis for arranged marriages
similarities
culture
religion
age
family of origin experience
level of education
interests

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22
Q

price of a wedding

A

$40,000

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23
Q

wrong reasons to marry

A

money
for beauty
to please others
baby
to escape a bad situation

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24
Q

Other Lifestyle Options

A

Single
Cohabitators
married without kids
same-sex relationships

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25
Single advantages
freedom money more choices sense of identity
26
disadvantages of single
loneliness self-absorption
27
reasons for cohabitation
cost of living cost of education
28
married without kids reasons
infertility by choice professional couples
29
when did same-sex relationships become legal
2015
30
correlations to low fertility rates and fewer people have kids
increased cost of living increased gender equality chlamydia to PID
31
the adjustment to having kids is
monumental
32
when you have a kid you become responsible for
physical needs cognitive needs emotional needs social needs everything
33
advantages to having children
teach next generation seeing "little you" naming them source of joy and. pride learn to be sacrificial unconditional love
34
disadvantages to having children
loss of freedom loss of privacy cost estimate $240,000 per child $14,000 per year world worries
35
preparations for having children
financial stability marriage stability both responsible enough cost of childcare
36
ages of early adulthood
20-40
37
physical traits decade of the thirties has
great individual variation
38
nature aspects physical traits of the 30s
genetic blueprint glaucoma breast, ovarian, colon, skin cancer diabetes heart disease alcoholism depression and anxiety
39
nurture aspects of physical traits of the 30s
lifestyle choices alcohol water smoking weed diet and exercise sun exposure stress
40
alcoholism and the decade of the 30s
males develop earlier (20s) females develop later (40s) level of education increases health increases SES increases health increases
41
leading causes of death in 30s
car accidents drug overdose cancers
42
anxiety
more common more treatable cognitive therapy
43
Early Adulthood Erikson Stage
isolation vs intimacy
44
isolation
trouble sharing their life
45
intimacy
share selves
46
Freud love and work for men and women
men- individualistic goals women- dualistic goals
47
social clock
time table set by the culture for achieving the adult milestones
48
social clock actions and ages
1. leaving home 26 2. marriage 35 3. kids 35 4. buying a house 32 5. retirement 67
49
the greater the deviation from the social clock
the greater the struggle
50
decade of the 30s
busy, active, happy, stable, "calm before the storm"
51
40 is the age of:
age of maturity age of reason
52
physical changes from 40-65
vision hearing skin weight
53
vision changes from 40-65
loss of vision= presbyopia bifocals thickening of the lens
54
hearing changes from 40-65
genetic male prevalence as the volume of music increases hearing loss increases
55
skin changes 40-65
decrease in collagen sags dark spots wrinkles dries up women sun
56
weight changes from 40-65
average weight gain per year 3-5 lbs men become barrels women become pears increase in heart disease
57
reproductive changes 40-65 women
menopause= 52 years perimenopause= 3-5 years pre-men hot flashes increased appetite headaches mood swings insomnia decrease in estrogen
58
reproductive changes 40-65 men
ED (impotence) early 50s decrease in testosterone decrease in sperm count
59
midlife crisis
reality of mortality fear of aging (loss of youth) moving stairs of life
60
Reassessment during midlife crisis
career marriage lifestyle role as parents
61
3 things that can happen during a midlife crisis
jump off thrown off step off
62
issues at midlife
changing role as parent care of aging parents cross-over effect grandparent hood
63
changing role as parent
empty nest syndrome parent-child friendship
64
care of aging parent
cost of elder care increased longevity "sandwich generation" aging parents and unlaunched children
65
cross-over effect
men more "yin" softer more vulnerable women more "yang" more independent and assertive
66
grandparenthood
not responsible spoilers most meaningful tradition keepers age 55
67
middle adulthood 40-65 Erikson
stagnation vs generatively
68
stagnation
not contributing self-absorbed
69
generativity
reach out and help younger generations mentors, coaches, teachers, volunteers altruism
70
late adulthood (65-death) problems
vision hearing loss sense of smell cerebellum loss of neurotransmitters
71
vision late adulthood
cataracts (clouding of lens) decrease in all fields loss of drivers license loss of hobbies
72
decreased sense of smell late adulthood
decrease sense of taste decreased appetite shrink in height
73
cerebellum late adulthood
balance and coordination falling
74
loss of neurotransmitters late adulthood
memory loss dementia risk factors: women increased risk race (Asian, Hispanic, White, African) genetics (risk and protection)
75
Late Adulthood Erikson
despair vs integrity
76
despair
regrets bitter- mask of self-contempt blame all else fear death
77
integrity
"walks the walk" know leaving the world a better place satisfied/fulfilled fear death less
78
Elisabeth Kubler-Ross Stages of Dying from palliative care
1. denial 2. anger 3. bargaining 4. depression 5. acceptance
79
denial stages of death
shop around for other diagnosis
80
anger stages of death
"why me, why now?" unfairness of death
81
bargaining stages of death
strike a "deal"
82
acceptance stages of death
very close to end
83
dependent factors on death and dying
1. age 2. disease 3. personality 4. spirituality 5. Erikson's stages
84
grief
is a process highly individualized don't judge

Psychology of Human Development (4 decks)

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