Households are characterised by diff erent life cycles with diff erent income structures and expenses. They have to be considered and planned in ti me, so that their fi nancial background can be ensured. Regarding effi ciency households are able to make their opti mal choices from diff erent alternati ves on the basis of their own system of obj...ecti ves. In many cases households are unable to make these eff ecti ve decisions, which is usually due to the low level of their fi nancial culture. There are certain points in people’s lives when it is useful to have a large amount of savings. One of these points is the old age when people cannot earn a suffi cient amount of money. The other one takes place when someone starts his or her career or a family and when they make a living so as to be able to support themselves. One alternati ve of household life cycles is to set up their own business and operate it. Even during the operati on of interprises we can diff erenti ate several life cycles. Households taking up enterprises are usually able to plan the necessary fi nancial background to launch their businesses and to prepare business plans for a profi table operati on as well as adjust them to changes, which is not an easy task. In our research we write about savings and we describe their roles in given life cycles. This writi ng includes some important elements of our research.
During our research we examined the position of civil society organizations. We collected various forms of civil union aids and we gathered the concepts and crules of fundraising. We were curious about what are the main sources of revenue, especially for the civil society organizations, that are located in Jasz-Nagykun-Szolnok county; which are... the most common fundraising strategies; how permanent donation is typical these days; and the proportion of the 1 percent offered from the personal income tax in the income sources. The Hungarian experience shows that the smaller organizations can rarely apply for support. Even if they can apply for a grant, the implementation or transact meet with difficulties. This is why we think, that the government is able to change that with a reform of the granting system, giving help for the non-governmental organisations in need.
In our study we would like to present the effect of adult education on the situation of women in the labour market in the subregion of Miskolc. During our research we developed several hypotheses that we proved by analysing the literature, by statistical data, and a questionnaire on this subject. Women over the age of 18, who are economically a...ctive and are living in the subregion of Miskolc were selected for the research. Altogether 200 people completed the questionnaire. We used IBM SPSS Statistics 20 and Microsoft Excel 2007 software to examine the data. The aim of our research was to prove that regarding the inhabitants of the subregion of Miskolc adult education is not effective enough to change the situation of women in the labour market. The results of the questionnaire showed the interest in adult education, but supply does not meet demand, since the state either does not support the education or the unemployed or the job-seeker cannot find a suitable education that would match her qualifications. We would like to recommend solutions for the development of this area, for the decrease of unemployment, for the improvement of the situation of women in the labour market and for increasing the efficiency of adult education.
Savings are important not only for the individual, but also for the macro economy because the macro economy can only finance expansion investments from savings. Savings constitute an important element in the development of lending activity. However there is a connection between the development of income and savings. Our research team examined t...he importance and the role of savings and self-care for households considering the current difficult economic and financial situation. Currently a primary research is being carried out in the form of a questionnaire in the course of which households are asked about their saving habits and assets structure.