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ABSTRACT. The interest in retirement planning is increasingly brought to common people's attention due to demographic aging of population and better financial literacy level these days. In this study we analyze the level of financial literacy among Slovak university students in relation to further pension decisions and financial behavior overall. The primary aim of this research was to compare the level of financial literacy among the selected faculties of economics in Slovakia. The analytical part was oriented on evaluation of financial behavior of the respondents and their skills in terms of financial literacy concept along with the analysis of the correlative data dependence of the selected variables and their intensity by using the Logit model. At first, the results have shown a statistically significant dependency of financial literacy on the respondents' gender. Female respondents reached higher financial literacy than male ones. Older students did not achieve higher level of financial literacy as compared to younger students. Students do not look ahead and most of them do not calculate how much they need to save for their retirement. The results of the presented research provide important information for policy makers who should reflect on the present status of this issue in Slovakia.JEL Classification: I21, I22, I25

This article aims at anexaminationof the impact of the number of public procurement tenders in the healthcare sector on the final purchase price. We used the data from 1544 public contracts related to the acquisition of health technologies for the years 2014-2017. The highest number of public contracts was reached at level of 501 in 2014, and the lowest number was 238 in 2017. The highest average value of estimated and final prices was found in 2015. The proportion of tenders submitted with only one tenderer was over 39 %. For the analysis, we used a generalized linear model and quantile regression. The results showed that, as the number of bids increased by one unit, the ratio of final and projected price on average would change 0.975 times, which means an increase in savings by 2.45%. Using quantile regression, we modelled the influenceof the explanatory variables on the individual quantiles of the explained variable instead of the conditional mean. The aim was to determine the impact of the number of proposals at everyovercharge level. As the order value of the quantile increases, the effect of offers on generating savings in public procurement is gradually decreasing. For more than 40 % of the most overpriced orders, the number of offers does not have a statistically significant effect on the size of the savings. With 25 % of the most economical orders with an increasing number of bids by one unit, savings of 4.77 % were achieved. However, increasing the number of procurement contracts to create savings in public procurement may develop differently over time. By applying the generalized linear model, we found that in 2014 the increase in the number of offers by one unit had an impact on the average increase in public procurement savings of 7.15 %. In 2015, this impact fell to 1.59 %. In 2016, the growth in the number of proposals did not have a statistically significant impact on the average increase or decrease in savings. In 2017, this value increased slightly above 1.96 %. Public acquisition processes will continue to be a critical pointfor the efficient allocation of public resources.

Global technological trends affect broad spectrum of areas in our life

The paper deals with an issue of the cardiovascular diseases mortality, which is currently the main cause of all the deaths, not only in the Czech Republic and in the Slovak Republic, but also globally. The main objective of the study is to analyse and to quantify the relationship between the cardiovascular diseases mortality rate and the selected socioeconomic indicators at the national level of the explored countries. Consequently, the results of the surveyed countries are compared by application a distance method from a fictitious object. As the results of the analysis show, from the selected socioeconomic factors, the health expenditures play a significant role-this determinant in the Czech Republic had a higher impact on the possible decrease in mortality than in the Slovak Republic. The other major socioeconomic factors are the unemployment rate, the secondary education unemployment rate, the tertiary education unemployment rate, and gross domestic product growth rate. They have different impact on the cardiovascular diseases mortality in the individual countries. This mortality rate is also analysed among the regions where significant regional disparities occur. The results of the comparative study provide an important platform for national and regional policymakers in the health and social field. They can also provide important information for national and international benchmarking.