Проблемы ипотечного кредитования в России на современном этапе

По мере развития в России банковского сектора большую популярность приобрели ипотечные кредиты. Данный вопрос является актуальным в наши дни, так как многие взрослые люди хоть раз задумывались о возможностях использования данного банковского продукта. У ипотеки, как и у других форм кредитования, есть свои плюсы и минусы, хотя люди, задумываясь о приобретении собственного жилья, все же останавливаются на выборе ипотечного кредитования

The accident insurance as a promising direction for insurance in Russia

Статья посвящена анализу состояния рынка услуг страхования от несчастных случаев. Актуальность исследования определяется тем, что страхование является неотъемлемым атрибутом цивилизованного общества, позволяющим сохранить обеспеченность доходами при неблагоприятных ситуациях. По статистике в России уровень травматизма и непредвиденных обстоятельств весьма велик. Люди традиционно уделяют мало внимания формированию резервов на случай временной или постоянной нетрудоспособности. Цель работы: рассмотреть систему страхования от несчастных случаев. Методы исследования: метод сопоставления, необходимый для выявления главных тенденций на рынке страховых услуг; аналитический метод, позволяющий понять, какие проблемы характерны для этого вида страхования; статистический метод, выявляющий масштабы страхования от несчастных случаев. Результаты: раскрывается сущность и виды страхования от несчастных случаев.The article is devoted to analysis of service market of accident insurance. The relevant of the study is determined by the fact that insurance is an integral attribute of a civilized society that allows you to save security income in adverse situations. According to statistics, in Russia the level of injury and unforeseen circumstances is very great. People traditionally pay little attention to formation of reserves in case of temporary or permanent incapacity for work. The main aim of the study is to consider the system of the accident insurance. Methods: the matching method required to identify the main trends in the insurance market; the analytical technique which allows understanding the typical problems for this type of insurance; the statistical method allows us to identify the extent of accident insurance. Results. The paper reveals the essence and types of accident insurance and considers the model events when the insurance company indemnifies for the damage. The causes of the demand for this type of insurance in Russia are identified. Based on the statistical data the author has determined the proportion of the accident insured people

Organocatalytic chemoselective primary alcohol oxidation and subsequent cleavage of lignin model compounds and lignin

This research was supported by the European Union (Marie Curie ITN “SuBiCat” PITN-GA-2013-607044, S.D.) and by the Distinguished Professorship Program at RWTH Aachen University funded by the Excellence Initiative of the German federal and state governments.A one-pot two-step degradation of lignin β-O-4 model compounds initiated by preferred oxidation of the primary over the secondary hydroxyl groups with a TEMPO/DAIB system has been developed [TEMPO=2,2,6,6-tetramethylpiperidine-N-oxyl, DAIB=(diacetoxy)iodobenzene]. The oxidised products are then cleaved by proline-catalysed retro-aldol reactions. This degradation methodology produces simple aromatics in good yields from lignin model compounds at room temperature with an extension to organosolv beech-wood lignin ( L1 ) resulting in known cleavage products.PostprintPostprintPeer reviewe

Direct Observation of Martensitic Phase-Transformation Dynamics in Iron by 4D Single-Pulse Electron Microscopy

The in situ martensitic phase transformation of iron, a complex solid-state transition involving collective atomic displacement and interface movement, is studied in real time by means of four-dimensional (4D) electron microscopy. The iron nanofilm specimen is heated at a maximum rate of ∼10^(11) K/s by a single heating pulse, and the evolution of the phase transformation from body-centered cubic to face-centered cubic crystal structure is followed by means of single-pulse, selected-area diffraction and real-space imaging. Two distinct components are revealed in the evolution of the crystal structure. The first, on the nanosecond time scale, is a direct martensitic transformation, which proceeds in regions heated into the temperature range of stability of the fcc phase, 1185−1667 K. The second, on the microsecond time scale, represents an indirect process for the hottest central zone of laser heating, where the temperature is initially above 1667 K and cooling is the rate-determining step. The mechanism of the direct transformation involves two steps, that of (barrier-crossing) nucleation on the reported nanosecond time scale, followed by a rapid grain growth typically in ∼100 ps for 10 nm crystallites

New crystal packing arrangements in radical cation salts of BEDT-TTF with [Cr(NCS)6]3− and [Cr(NCS)5(NH3)]2−

BEDT-TTF forms three packing arrangement styles in its radical cation salts with [Cr(NCS)6]3− in two of which two trans-oriented isothiocyanate ligands penetrate the BEDT-TTF layers either at the point where a solvent (nitrobenzene) is incorporated in a stack of donors or by four donor molecules forming a “tube” motif to accept a ligand at each end along with a small solvent molecule in between (acetonitrile). The [Cr(NCS)5NH3]2− ion forms a related crystal packing arrangement with BEDT-TTF with a reduction in the number of “tube” motifs needed to accept an isothiocyanate ligand

Основи маркетингу (для студентів)

Серія навчально-методичних посібників містить розширені матеріали, що необхідні для розуміння та ведення підприємницької діяльності, розуміння механізмів пошуку та ідентифікації можливостей для бізнесу, визначенні питань управління підприємницькою діяльністю, правових основ підприємництва, соціальної відповідальності бізнесу та його маркетингової діяльності. Призначено для студентів ВНЗ І-II рівня акредитації економічних, управлінських та інженерних спеціальностей, підприємців початківців та фахівців практиків

A Role for SKN-1/Nrf in Pathogen Resistance and Immunosenescence in Caenorhabditis elegans

A proper immune response ensures survival in a hostile environment and promotes longevity. Recent evidence indicates that innate immunity, beyond antimicrobial effectors, also relies on host-defensive mechanisms. The Caenorhabditis elegans transcription factor SKN-1 regulates xenobiotic and oxidative stress responses and contributes to longevity, however, its role in immune defense is unknown. Here we show that SKN-1 is required for C. elegans pathogen resistance against both Gram-negative Pseudomonas aeruginosa and Gram-positive Enterococcus faecalis bacteria. Exposure to P. aeruginosa leads to SKN-1 accumulation in intestinal nuclei and transcriptional activation of two SKN-1 target genes, gcs-1 and gst-4. Both the Toll/IL-1 Receptor domain protein TIR-1 and the p38 MAPK PMK-1 are required for SKN-1 activation by PA14 exposure. We demonstrate an early onset of immunosenescence with a concomitant age-dependent decline in SKN-1-dependent target gene activation, and a requirement of SKN-1 to enhance pathogen resistance in response to longevity-promoting interventions, such as reduced insulin/IGF-like signaling and preconditioning H2O2 treatment. Finally, we find that wdr-23(RNAi)-mediated constitutive SKN-1 activation results in excessive transcription of target genes, confers oxidative stress tolerance, but impairs pathogen resistance. Our findings identify SKN-1 as a novel regulator of innate immunity, suggests its involvement in immunosenescence and provide an important crosstalk between pathogenic stress signaling and the xenobiotic/oxidative stress response