Abstract. Financial literacy is reviewed in the article as a factor influencing any individual's well-being. Characteristics of a financially competent individual are defined. Behavioral mistakes impeding rational decision-making are outlined. Structures bearing the signs of financial pyramids are described as an example of their participants' cognitive limitations. The importance of creating a common information area is stressed. This process is aimed at remedying negative consequences for all economic agents and preventing inefficient financial decisions when executing financial transactions. The major task of the process is to incorporate information about social and economic activity of institutions (state, business and non-governmental) and population in the common information area. Therefore, every economic agent will get prompt and trustworthy information. It will encourage an individual to make financially adequate decisions.

Abstract.The results of influence of process parameters on oil quality and recommended effective technological modes of oilfield treatment processes are presented in this paper. It is shown that the parameters that significantly affect the efficiency of oil processes are temperature and water-oil emulsion flow rate with a given number of working process units and the structure of flowsheet flows.

At the present stage of development of the Russian state its primary objective is to provide citizens with access to fully-fledged quality education conforming to their interests and abilities regardless of their material wealth, place of residence, nationality and health. The goal can be achieved if to develop state educational insurance. Establishment of the system of state educational insurance is possible if the process of shaping individuals' knowledge, skills and abilities (competences) is improved. The result of the system operation is the process of capitalization aimed at ensuring continuous well-being of individuals, households, organizations and country in general. Capitalization of knowledge, skills, and abilities (competences) generates individuals' financial interest associated with their education, i.e. interest in receiving education as a source of their future income. Financial interest, the subject of which is a man's accomplishment, enables studying opportunities for establishing intercourse on ensuring individuals' income, resulting from his accomplishment. This process, in its turn, initiates insurance of an individual's rights and guarantees in the field of education. On the one hand, regular insurance financing of educational system, ensures its stability for future generations of the Russian society. On the other hand, it will establish the basis for sustainable creation of workforce.