|
|
Comparison of investments for retirement
SUCHÁŇOVÁ, Markéta
The aim of this thesis was to choose some types of investments and set the expected return using time series; furthermore to compare these possibilities using multi-dimensional assessment. I chose four types of investments, namely: mutual funds, life insurance, additional pension savings and building savings. I expected a monthly deposit of 1000 CZK for a period of 20 years in my thesis. In case the investor would keep this money cash or on a bank account, where he would not have to pay account fees and have a zero interest rate, he would save 240 000 CZK during this period. Based on published historical returns I modeled the expected return of the investment by means of methods of time series. For modeling the return I used the model of linear trend. The highest revaluation is expected with the additional pension savings, where the dynamic strategy brings the overall return of 414 214 CZK, the balanced strategy 379 874 CZK and the conservative strategy 333 209 CZK. The investment into mutual funds using conservative strategy brings 317 894 CZK, using balanced strategy brings the return of 314 986 CZK. When choosing the conservative strategy of life insurance the overall return is 296 071 CZK and when choosing the balanced strategy it is 292 614 CZK. The expected return of the building saving is 286 139 CZK. However, it is not recommended to opt for an investment only based on the expected return. We have to take into consideration as well the risk of the investment, input one-time fee and the overall fee (monthly or annual fees). For this reason I determined the category of the above mentioned criteria, which I set using scoring method. For the determination of the order I chose the TOPSIS method and the scoring method. Based on the carried out above methods it is certain that the best investment is investing in additional pension savings.
|
|
|
Development of prostate cancer radiotherapy from the 80s to the present day
SUCHANOVÁ, Markéta
Prostate cancer (CaP) remains the most common cancer diagnosed in men. This desease has worldwide increasing incidence. In the Czech Republic incidence has tripled during the last 20 years. The increase of the mortality is much more slower, but CaP is still the third leading cause of cancer-related death in men. CaP treatment management options may include active surveillance, radical prostatectomy, brachytherapy and external beam radiation therapy. The radiotherapy occupies an irreplaceable position. It is used as a curative therapy for clinically localized CaP with a low and intermediate risk. In the case of high risk CaP and locally advanced tumors are often treated with the addition of the hormonal therapy, which enhances tumor control and overall patient's survival. The radiotherapy is also used in some cases as an adjuvant treatment following a radical prostatectomy, as well as a salvage therapy in a biochemical relapse or as a palliative treatment if the cancer progresses. The aim of this study is to provide an overview of the development of CaP radiotherapy from the 80s till the present day. The specific objective of the study is to assess the incidence of the radiation-related complications (RRC) in patients with CaP treated with IMRT and PT. Among the methods of processing this thesis was using secondary data analysis. Practical information were obtained during the visits to the Department of the Radiation Oncology at the Hospital Ceske Budejovice a.s. (NCB) and the Proton Therapy Center Czech s.r.o. (PTC). During these visits was observed the radiotherapeutic treatment of the patients with CaP and valuable information were obtained through interviews with Mrs.Vančurová, MD and Mr. Vítek, MD., Ph.D., MBA This study analysed the incidence of the acute and late RRC in patients with CaP treated in these facilities. The acute and late side effects was assessed for GU and GI toxicity using RTOG / EORTC score. The specific problems were measured with the CTCAE v.4.0 scale. The overall incidence of the RRC was subjected to the statistical hypothesis testing using a two-sample unpaired t-test. The examined sample consisted of the 30 patients with CaP irradiated at NCB and the 30 patients from PTC with low, intermediate and high risk CaP. It was found that for the patients from NCB the rectum mean dose was 40,7 Gy and the mean dose of bladder was 39,4 Gy. For the patients treated at PTC the mean dose to the rectum was 13,2 Gy and to the bladder 11.1 Gy. This is related to the incidence of the RRC. Acute GU and GI toxicities Grade 2+ occurred in 33 % and 23,3 % of the patients treated in NCB. With a median follow-up of 22 months there was late GU toxicity Grade 2+ in 13,3 %. Late GI toxicity Grade 2+ occurred in 26,7 %, which exceeds incidence of the RRC described in the literature. Incidence of late GI toxicity Grade 3 and 4 was also increased, it appeared in 10 % (3 patients). Furthermore in one case cancer reoccurred and metastasized one and half year after the radiotherapy. In PTC no acute or late Grade 3+ toxicities were observed. Acute GU and GI toxicities Grade 2 occurred in 13,3 % and 6,7 %. After median follow-up of 21,5 months there was incidence of late GI toxicity Grade 2 3,3 %, late GU toxicity appeared only Grade 1 in 13,3 %. There was found statistically significant difference in occurrence of RRC in patients treated in NCB and PTC. The hypothesis that PT reduces the incidence of the radiation side-effects compared to the IMRT technique in the patients with the prostate cancer was confirmed. The prostate can move greatly during the day. It is recommended using CBCT, which is part of new linear accelerators at NCB, to check the position of the prostate before each irradiation. This study provides an overview of the treatment of CaP and may serve to increase of awareness of the RRC. The main contribution can be seen in the comparison of a standard approach with a promising alternative.
|
|
|
Using Quantitative Methods to Evaluate Life Insurance Products
SUCHÁŇOVÁ, Markéta
The objective of this bachelor thesis titled Using Quantitative Methods to Evaluate Life Insurance Products is to familiarize the reader with life insurance products, explain the various types of supplemental insurance policies, and then apply the method of multicriteria decision-making on life insurance. The theoretical part of the thesis explains the basic terms related to life insurance. Next the thesis explains the methods that are used to determine weights and ranking. The practical part of the thesis focuses on applying these methods. First, our given client was presented with custom-made life insurance offers from 8 different insurers. The client chose the importance rankings of his individual criteria. Following was the application of the weight-determining methods ? the weighted-sum model, the sorted-weights method, the Fuller method, and the weighted sum model with group-wise assignment of weights. Based on the weights obtained from the weight-sum model with group-wise assignment of weights, ranking methods were used (weighted sum model, WSA, TOPSIS). Based on the resuls obtained from the ranking method, a final rank-based ordering was determined, i.e. the offers were sorted from the best to the worst one. As the best offer turned out the EVOLUCE life insurance policy offered by the Česká podnikatelská pojištovna a.s. insurance company.
|
|
|
The Evaluation of physical demands associated with postal workers
SUCHANOVÁ, Markéta
Evaluation of physical burden on selected professions at the post office The current trend of working conditions tends to reduce the proportion of physically demanding work, but leads to an increased psychological stress in staff members. However, there are professions, such as those involved in postal services, that are still exposed to considerable physical burden. This thesis provides a basic view of health consequences of excessive physical load and manual handling of burdens, it describes specifics of the postman / postwoman profession, specifics in the staff members working in interior post services and those who work at postal counters in terms of physical burden. The objective of this thesis was to survey the physical burden connected with manual load handling at the post office in Jindrichuv Hradec. The thesis also aims at finding out rehabilitation possibilities for post office staff and proposing ways how to improve the current situation. A questionnaire enquiring about post office staff members´ awareness of musculoskeletal diseases prevention, evaluation of their own health condition and symptoms of fatique caused by physical activity, is a crucial component of my thesis. The results of the questionnaire survey were analyzed and reported in graphs and tables. Measurements of weight and cumulative weight of manually manipulated loads and the workers´ heart rate before and after the physical stress were carried out. I have found that postmen and postwomen and interior post services staff are exposed to great physical strain and frequent handling heavy loads, that in some cases exceed hygienic limits. It was also found that 65% of post office staff were not aware of the claim on financial contribution to rehabilitation massage. The hypotheses stated were confirmed. 1. Post office staff members are exposed to excessive physical strain while handling heavy load 2. The level of post office workers{\crq} knowledge on musculoskeletal disorders prevention is not sufficient. I suggest mechanization, use of mechanical devices and removal of architectural barriers to be introduced. Furthermore, I suggest to include training to handle loads in a correct way to prevent back disorders.
|
|
|
Assessment of Health Status of Citizens for Purposes of Social Security Benefits {--} with Focus on Care Allowance
SUCHANOVÁ, Markéta
Social Security is the main instrument of social policy that serves to balance social inequalities and helps address adverse social situations. This thesis provides a basic overview of individual retirement and sickness insurance allowances, state social support benefits, social care, poverty relief allowances and the offer of social services. The thesis also deals with the Medical Assessment Service and the health assessment of persons for purposes of individual social security systems. The main attention is paid to the care allowance, the benefit addressed to persons who are, mainly due to poor health status, dependent on the assistance of another person in regular daily self-care and self-sufficiency. The research is focused on care allowance recipients who live in homes for the elderly, in nursing homes and in their own households with their families or separately. The objective of this thesis is to survey the provision of social security allowances, activities of the Medical Assessment Service and the issues of the health assessment process for the purposes of the care allowance entitlement. Another objection is to determine the quality of life of people receiving the care allowance. A part of the thesis is a questionnaire by which the course of the care allowance entitlement was assessed, the reasons for applying for the care allowance and the manner of the care allowance use are described, and the health status assessment of respondents and quality of their lives were determined. The information obtained from the questionnaires was evaluated and recorded in graphs. It was found that 93.6% of respondents use the care allowance for payments for care services, personal assistance or to pay the rent and services in senior homes, i.e. payments of services related to the security assistance and support to the allowance receiver. The first hypothesis, assuming that the care allowance is mainly used to cover expenses related to the security assistance and support to the allowance receiver, was confirmed. It was also found that, with the exception of respondents living in nursing homes, the respondents´ quality of life did not change when they were drawing the allowance. The second hypothesis, assuming that the care allowance improved the respondents´ quality of life, was not confirmed. The considered replacing the current 36 self-care and self-sufficiency operations with 10 areas of basic needs of life might be a simplification and an increase in effectiveness of the health condition assessment for the purpose of the care allowance admission.
|
guest ::
RSS feed.