The article examines the period of the early years of a child's life and its influence on the formation of his intellectual and spiritual potential and capital, on the formation and further development of his personality. The personal, spiritual, moral and intellectual development of a modern family with young children and the process of raising young children are considered.

The article investigates the application of competence approach in personnel assessment. The theoretical foundations of the competence-based approach, its aims, advantages of its use, as well as recommendations for implementation are considered. It also analyses the impact of the competency-based approach on improving the overall effectiveness of the personnel appraisal system is also presented. The results of the study substantiate the feasibility of implementing the methodology of personnel assessment by competences.

The article is devoted to the description of the advantages and disadvantages of various marketing tools in the promotion of insurance products. The main trends in the use of marketing tools in the insurance industry are identified and the features of their use depending on the specifics of the insurance product and its target audience are shown. It is shown that the main trend in the marketing of insurance products is the transition to a digital environment, which in the near future will determine the nature of marketing communications.

In connection with the development and increase in the number of interactions via the Internet, such part of culture as subcultures are currently being created and developed in the format of remote interaction. Remote interaction, having its own characteristics, affects communication, the format of communication between group members and the scope of what boundaries of what is permitted such groups set for themselves. This topic is of interest, among other things, because participants in subcultures are most often young people - a group of the population that has the greatest resources for the further development of society, since it is young people who are the engine of development in the field of science, technology and innovation, have great potential for learning, actively participates in the social life of society. The article examines the features of the development of youth subcultures on the Internet, the influence of the Internet on the formation and development of youth subcultures, analyzes their main features and characteristics, the reasons for youth joining subcultures, the reasons for the emergence of new subcultures

In this article, the concept of a young scientist and his role for modern science as a whole is considered from the point of view of a systematic approach. The topic of integration of young scientists into the scientific community is relevant, since young scientists play a key role in the development of science. They generate new ideas, analyze current problems of modern science, and suggest ways to solve scientific problems. The process of integration of young scientists into the scientific community is influenced by a combination of intra-system and non-system factors: low motivation and lack of interest in scientific activity, low wages, lack of scientific laboratories, equipment, funding, etc. To analyze the factor space of hierarchical levels of integration, the following methods were used: document analysis, comparative analysis, description, scientific generalization of the theory. The analysis of the university and regional level of support and integration of young scientists in the Belgorod region showed the feasibility of technologizing integration processes and making changes to the infrastructure to support young scientists at the regional level. This can lead to the creation of new technologies, improving the quality of people's lives, solving various problems in society, attracting young researchers and developing their careers, as well as improving the quality of scientific research. In addition, the integration of young scientists helps to create new research teams and develop cooperation between various scientific organizations, which is also an important factor for the development of science.

This study is devoted to the analysis of the role of human resource management in the context of increasing organizational effectiveness. Special attention is paid to developing a competent workforce, motivating and committing employees, and developing their professional competencies. Research methods include case studies of successful companies, surveys of employees and managers, and a literature review on the topic.