Six home-schooled students and one adult participant each initially practiced to accuracy two decks of five previously unknown multiplication facts. The decks were yoked for practice and reinforcement. Once accurate performance was achieved, overpractice was undertaken using custom computer software that allowed either fast (free-operant) or rate controlled responding. Rate-building practice, to an established fluency performance standard, was used with one deck while practice with the other deck was rate-controlled. The number of times a fact was practiced was the same for both methods. Response rate and accuracy was assessed after training to accuracy, at the end of overpractice and after 4 and 8-weeks of no practice. The assessment at the end of rate-building confirmed that rate building resulted in fast and accurate responding. It also confirmed that, for the rate controlled facts, response rates did not meet the fluency performance standard. However, the 4- and 8-week retention assessments showed no consistent differences in accuracy or response rate between the rate-controlled and rate built decks. After 8 weeks without practice, performance on the rate-built deck was not significantly different to that prior to rate building. These results suggest that practice to fluency does not lead to superior retention when compared to the same amount of rate-controlled practice. The results also indicate that when a skill is practiced to fluency, a period without practice leads to deterioration, to pre-rate-building levels, of accuracy and response rate. This study highlights the need for research examining the role of maintenance in the effectiveness of fluency based learning like Precision Teaching.

The thesis deals with loans to finance own housing. The thesis is primarily focused on mortgage loans, bridging loans and hans coming from building savings, both of them provided by building societies. In particular parts of the thesis are described basic principles of mortgage hans and building savings loans. There is stated thein legislation, kinds and types of individual housing loans. In the following part is analyzed the current market situation and market development of housing loans in the Czech Republic including the factors influencing this development. In the last part are compared different types of the hans using a model example. In comparison are included fees relating to loans and interest rates, which are published on the official website of selected companies.

A functional definition of fluency describes performance frequency ranges that predict retention, endurance, stability, application, and adduction as outcomes of practice. This experiment assessed these outcomes after different training conditions using a within-subject design. Participants in an experimental group learned new skills in a condition with rate and accuracy criteria, then in a yoked, rate-controlled condition with the same number of prompted responses and correct trials in practice. Control group participants received training in consecutive conditions with rate and accuracy criteria. Performance of individuals in the control group demonstrated practice effects. Data obtained from participants in the experimental group showed similar performance across conditions. Considering efficiency, the condition with rate and accuracy criteria was superior.

This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.