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

Cumulative occupational lumbar load and lumbar disc disease – results of a German multi-center case-control study (EPILIFT)

Background The to date evidence for a dose-response relationship between physical workload and the development of lumbar disc diseases is limited. We therefore investigated the possible etiologic relevance of cumulative occupational lumbar load to lumbar disc diseases in a multi-center case-control study. Methods In four study regions in Germany (Frankfurt/Main, Freiburg, Halle/Saale, Regensburg), patients seeking medical care for pain associated with clinically and radiologically verified lumbar disc herniation (286 males, 278 females) or symptomatic lumbar disc narrowing (145 males, 206 females) were prospectively recruited. Population control subjects (453 males and 448 females) were drawn from the regional population registers. Cases and control subjects were between 25 and 70 years of age. In a structured personal interview, a complete occupational history was elicited to identify subjects with certain minimum workloads. On the basis of job task-specific supplementary surveys performed by technical experts, the situational lumbar load represented by the compressive force at the lumbosacral disc was determined via biomechanical model calculations for any working situation with object handling and load-intensive postures during the total working life. For this analysis, all manual handling of objects of about 5 kilograms or more and postures with trunk inclination of 20 degrees or more are included in the calculation of cumulative lumbar load. Confounder selection was based on biologic plausibility and on the change-in-estimate criterion. Odds ratios (OR) and 95% confidence intervals (CI) were calculated separately for men and women using unconditional logistic regression analysis, adjusted for age, region, and unemployment as major life event (in males) or psychosocial strain at work (in females), respectively. To further elucidate the contribution of past physical workload to the development of lumbar disc diseases, we performed lag-time analyses. Results We found a positive dose-response relationship between cumulative occupational lumbar load and lumbar disc herniation as well as lumbar disc narrowing among men and women. Even past lumbar load seems to contribute to the risk of lumbar disc disease. Conclusions According to our study, cumulative physical workload is related to lumbar disc diseases among men and women

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

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

Musculoskeletal symptoms of the upper extremities and the neck: A cross-sectional study on prevalence and symptom-predicting factors at visual display terminal (VDT) workstations

<p>Abstract</p> <p>Background</p> <p>The aim of this study was to determine the prevalence and the predictors of musculoskeletal symptoms in the upper extremities and neck at visual display terminal (VDT) workstations.</p> <p>Methods</p> <p>In a cross-sectional study 1,065 employees working at VDT > 1 h/d completed a standardised questionnaire. Workstation conditions were documented in a standardised checklist, and a subgroup of 82 employees underwent a physical examination.</p> <p>Results</p> <p>Using the Nordic Questionnaire, the 12-month prevalence of symptoms of the neck, shoulder region, hand/wrist, or elbow/lower arm was 55%, 38%, 21%, and 15% respectively. The duration of VDT work had a significant impact on the frequency of neck symptoms in employees performing such work > 6 h/d.</p> <p>Conclusion</p> <p>With regard to musculoskeletal symptoms of the upper extremities, preventive measures at VDT workstations should be focused on neck and shoulder symptoms (e.g. ergonomic measures, breaks to avoid sitting over long periods).</p