In this paper, we assess the scale of indebtedness of households with children and investigate the impact of having children on the likelihood of falling into excessive debt. Using the unique dataset on indebted households in Poland, we employ two indicators to identify over-indebtedness: debt service-to-income ratio (DSTI) and subjective debt burden (SB). Applying two different debt measures allows encompassing both the economic and psychological dimensions of debt burden. In addition, we divide households into two groups: young (with a reference person aged under 35) and middle-aged and older adults (aged 35+). We find that the number of children increases the monthly debt repayments and reduces the likelihood of over-indebtedness, both according to DSTI and SB, for middle-aged and older adult households. There is no evidence for the influence of children on the over-indebtedness of young families. Our results suggest that for this age group of households, the other variables related to their economic situation and debt structures may explain the likelihood of over-indebtedness better than the presence of children.

The aim of this study was to evaluate the effect of hop extracts on changes in the primary and secondary fat oxidation products, physicochemical properties, and microbiological quality of pâté-type offal sausages obtained through the partial replacement of animal fat with vegetable fat. This study demonstrated that the extraction efficiency varied among hop cone varieties, with the highest efficiency observed for the Lubelski variety and the lowest for the Magnum variety. The phenolic compound content was higher in the Magnum cones (2.74 ± 0.11 mg/g dry matter) compared to the Lubelska cones (2.27 ± 0.05 mg/g of product). Additionally, the DPPH radical scavenging activity was greater in the extract from the Magnum cones (4.21 ± 0.09 mg TE/g d.w.) than in the extract from the Lublelski cones (3.87 ± 0.05 mg TE/ g d.w.). Similarly, the extracts from the Lubelski cones exhibited a higher antiradical activity against the ABTS radical compared to the extract from Magnum cones. Throughout storage, a significant increase in the pH value was observed in the control sample and in the samples with a 20% replacement of animal fat with rapeseed oil and Magnum hop extract. However, the addition of Lubelski hop extract resulted in a decrease in the pH value during the 15-day storage period. The samples with a 20% replacement of animal fat with rapeseed oil and 0.1% Lubelski hop extract showed the least changes in water activity during storage. The samples with a 20% replacement of animal fat with rapeseed oil and the addition of 0.2% Lubelski hop extract had the lowest peroxide value and TBARS index throughout the storage period. The addition of hop extract inhibited the growth of the total number of microorganisms in the tested sausages. In the samples with a 20% replacement of animal fat with rapeseed oil, the content of aerobic microorganisms, compared to the control sample, was statistically significantly lower.

Sodium chloride is a chemical compound that has been encountered by people for thousands of years, and plays a significant role in their lives. The aim of this article is to provide a comprehensive review of table salt from the perspective of health, food technology, and cultural heritage. The article discusses salt extraction and production, its composition and consumption, and its effects on the human body. The authors draw attention to new trends, such as the use of micronized salt, microencapsulated salt, and salt with colors and shapes that differ from those of typical table salt. Scientific studies on the presence of undesirable substances and the use of salt additives were reviewed. The role of salt in dairy, meat, and bakery technology was illustrated. Gaps in research on salt were highlighted. In the last part, all types of salt with geographical indications are shown. The paper suggests that producers with a long tradition in the salt sector should apply for the European geographical indications to enhance their national and cultural heritage and promote their region. The review highlights the need for further research on all aspects discussed.

Due to undesired influence, the accumulation of rare earth elements (REE) in the human body has been discussed recently. However, it is usually limited to the study of the population living where REE ores and mines are located. The aim of the experiment presented was to analyse the concentration of REE in the hair of children and teenagers living in two areas of Madagascar in relation to the place of residence, nutritional status, age and sex. REE concentration was determined in scalp hair of 262 of subjects (5–19 years old) by an inductively coupled plasma-optical emission spectrometer. The content of total REE in the Malagasy hair was in the range of 0.79–44.15 mg/kg. The nutritional status was evaluated by Cole’s index, and malnutrition of children was observed more often in village areas. The concentration of these elements was also determined in 20 samples for the estimation of environmental exposure. No significant differences were detected in the content of these elements in the studied regions, although the mean value was always higher in soil samples from the Antananariva region. The obtained data suggest dependence between REE concentration in the hair and age, and nutritional status of the examined subjects. Even if the observed correlations are weak, they contribute significant knowledge on the accumulation of REE in the bodies of children living in areas that are not recognised as deposits of these elements.

Purpose: The study aims to explore the discrepancy between the subjective and objective debt burdens across various household socio-demographic and debt characteristics. Additionally, it seeks to establish an optimal debt service-to-income ratio (DSTI) threshold for identifying over-indebtedness. Design/methodology/approach: This study utilized a sample of 1,004 respondents from a nationwide survey conducted among Polish indebted households. A discrepancy ratio (DR) measure was proposed to evaluate the divergence between subjective and objective over-indebtedness. Binary logistic regression was employed to estimate the probability of being subjectively and objectively over-indebted, as well as the discrepancy between the two measures of over-indebtedness. The study also employed numerical simulations to determine the optimal DSTI threshold for identifying over-indebted households in general and based on their socio-economic characteristics. Findings: The study established a debt service-to-income ratio (DSTI) threshold of 20% to minimize the discrepancy between subjective and objective debt burden, which is lower than thresholds found in other studies aimed at identifying over-indebted households. Age, number of loans, self-perceived needs satisfaction and type of debt were identified as significant socio-economic and debt-related determinants of over-indebtedness. Household socio-economic and debt-related characteristics significantly influence the threshold for identifying over-indebtedness using DSTI. It can vary widely, ranging from as low as 11% for well-educated women with multiple loan commitments to 43.7% for young males with vocational education, high incomes and originating from households with four or more members. Originality/value: The paper proposes a more comprehensive approach to debt burden analysis by introducing a new methodology for determining a debt service-to-income (DSTI) threshold that could serve as a measure of over-indebtedness based on the discrepancy between subjective and objective over-indebtedness. It also emphasizes the significance of socio-economic and debt-related factors in evaluating subjective and objective over-indebtedness.

Niektórzy ekonomiści przywiązani są do idei, zgodnie z którą nie jesteśmy jako społeczeństwo odpowiedzialni za nierówności ekonomiczne powstające na skutek niezliczonych niezależnych decyzji rynkowych podejmowanych przez autonomiczne jednostki kierujące się własnym interesem. Ekonomiści przywiązani są także do wizji rynku jako mechanizmu nagradzającego utalentowanych i tych, którzy ciężko pracują. Jak starano się pokazać w niniejszym opracowaniu, te dwa spojrzenia na efekty naszej rynkowej aktywności rodzą poważne wątpliwości natury etycznej. Społeczeństwo dysponujące wolą prawodawczą jest odpowiedzialne za nierówności. Koncepcja nagradzania za talent i wysiłek prowadzi do niesprawiedliwych nierówności ekonomicznych. Funkcjonujący w społeczeństwie mit merytokracji niesie za sobą erozję zbiorowości, degradację dobra wspólnego i poczucia odpowiedzialności za innych, a w szczególności za tych, którym się nie powiodło, wzmacniając jednocześnie nierówności ekonomiczne.