Abstract Financial literacy has become an interesting topic recently, given the global trends and the need for individuals to take responsibility for their personal finances and, in particular, for their retirement planning. In this paper we investigate financial literacy of adults in Bosnia and Herzegovina. Our survey questionnaire is based on the OECD/INFE questionnaire, with some adjustments to national specificities. The method of research is the online survey. Looking at the results, our research overall shows rather low level of financial literacy of Bosnian citizens. In particular, low level of understanding and skills related to basic concepts, such as compound rate of return and diversification, indicate that there are many aspects of financial knowledge that could be improved. Financial knowledge and behavior of our sample is better positioned than the average in other countries. Due to worse attitude, the overall level of financial literacy is lower than the average in other countries. In addition, the analysis showed that attitudes towards the money are worse than the attitudes of citizens in other countries. Looking at at different levels of income, we notices no statistically significant difference in behavior and attitudes within different groups. The low level of financial literacy emphasizes the importance of introducing financial education at an earlier age, since the lack of financial education can cause people to start saving later in life, thus limiting required retirement goals. As a result, it is unlikely to achieve an optimal balance between current consumption during work and future consumption as individuals retire. In addition, the lack of information on the distribution of risk and return on various investments can lead to the misallocation of their pension portfolios.

This paper contains a theological and philosophical consideration of the New Thought phenomenon. New Thought is a phenomenon quite unknown not only in Bosnia and Herzegovina, but also in the neighbouring countries of the region, and therefore not fully explored. The author offers a comprehensive account of New Thought, which entails a presentation of socio-historical, religious as well as cultural contexts that fostered the emergence of New Thought teaching. West-European and American religious contexts are particularly emphasized because this is where New Thought was created. New Thought phenomenon favours the role of human thoughts in the realisation of the full potential of human life and insists that the state of human thoughts directly affects the profiling of the quality of life.

Religion has always been a powerful force that has attracted many tourists to destinations around the world. Our country is a place of meeting of different peoples and religions, which has contributed, according to the religious and cultural heritage, to be one of the richest countries in Europe. Four large religious communities in Bosnia and Herzegovina have significant shrines that are visited by tourists from all over the world, although neither the entities nor the states have a strategy for promoting religious tourism. In this paper we will present the representation of religious objects and manifestations of Mostar tourism-geographical region, their tourist valorization and proposal in order to improve this specific form of tourism.

<jats:p />

The turbulent past and the events of the past centuries have led to the territory of Bosnia and Herzegovina to the creation of an environment in which different religions co-exist, interact and complement each other. Bosnia and Herzegovina is a country of long and rich history, which cultural heritage presents a complex mixture of Mediterranean, Byzantine, Ottoman and Central European influences making the country a unique attraction for cultural and religious tourism. As a meeting point of different civilizations and cultures over centuries, most of major religions Judaism, Roman Catholics, Christian Orthodox and Islam exist in harmony in this country offering a number of sacred places and unique experience to domestic and international visitors. In this paper we will present the representation of religious objects and manifestations of Travnik tourismgeographical region, their tourist valorization and proposal in order to improve this specific form of tourism.

INTRODUCTION: Cardiac single photon emission computed tomography (SPECT) is one such technique that has a potential to overcome the limitations of conventional myocardial SPECT including the absolute quantification. Despite the progress in the field of medical technology, soft tissue attenuation is still a hindrance in the path of the diagnostic accuracy of myocardial perfusion imaging. Soft tissue attenuation artefacts are more likely to occur in patients with high body mass index (BMI) undergoing myocardial perfusion imaging (MPI) and therefore it is routine practice to perform attenuation correction in this group of patients. However, that attenuation artefacts may also occur in patients with normal BMI. Soft tissue photon attenuation produces inhomogeneous defects that decrease the specificity of the test, thereby making it difficult to distinguish between coronary artery disease and the attenuation artifact. AIM: The aim is to demonstrate the benifit of the use of CT and the attenuation correction in MPI. MATERIALS AND METHODS: This paper is a non-experimental (qualitative) research, that is, a scientific review of the literature. Upon creating their professional work, different databases were used, including Pub Med, Medline. RESULTS: The results we analyzed in this paper were collected from published academic journals. CONCLUSION: Conclusions are concerning the aim of the research.

: Technological development and ICT have been recognized as one of the main factors of changes in business and enterprise management. The impact of ICT in tourism has been recognised as one of the main drivers changes in the past several years. This chapters seeks to provide insight into influence of ICT on tourism and impact of ICT utilization on operations in hotels. The chapter is based on research which has been conducted among hotels and hotel managers in Bosnia and Herzegovina aiming to determine the level of ICT utilization and its impact on hotel operations and performance. The results indicate that ICT has contributed to changes in behaviour of guests as well as operations in hotels and their business performance.