National Repository of Grey Literature 87 records found  1 - 10nextend  jump to record: Search took 0.00 seconds. 
Financial management and financial satisfaction in Czech households
Fialová, Kamila ; Mysíková, Martina
Household financial management is a complex process in which a variety of factors play a role in influencing household financial health. These factors are primarily the level of household income and expenditure, including the way in which housing is provided, household size and structure, education and financial literacy. An important aspect of household management is the balance of the budget, which is based on the distribution of financial resources between recurrent expenditure covering basic needs, more luxurious and irregular expenditure, and possibly also savings. Budget balance affects the financial stability of a household and its future prospects. In the case of households with more members, the distribution of income within the household can be another important aspect, which can affect not only the financial well-being of individual members but also have wider implications. \nInternationally comparable Eurostat data for 2018 show that Czechs have an average level of financial satisfaction among European nations. On a scale of 0 to 10, Czechs on average rated their financial satisfaction as 6.7, while the European average was 6.6. Czech men (6.8) were slightly more satisfied than women (6.6). Since 2013, the data showed a significant increase in the financial satisfaction of Czech households from an average rating of 6.0. \nData from the 2023 IPSOS sample survey rate the financial satisfaction of Czechs as 5.5 on average (on the same scale from 0 to 10), with men again more satisfied (5.7) than women (5.3). Roughly one-third of respondents are very or rather dissatisfied with their financial situation (0-4), while more than half of respondents are rather or very satisfied with their financial situation (6-10).\nThe results of the regression analysis show that demographic characteristics such as gender, age, education or presence of children do not affect financial satisfaction. In general, people living with a spouse/partner and single individuals are more satisfied with their financial situation than those divorced and widowed. \nThe key factors influencing financial satisfaction are the amount of household income and how they manage it, as well as the accumulation of short-term or long-term financial reserves. Paying a mortgage or rent does not significantly reduce financial satisfaction. Repaying loans significantly reduces financial satisfaction for women living as a couple.\n
Insurance in Czech households
Fialová, Kamila ; Mysíková, Martina
Insurance increases household welfare by transferring uncertainty from risk-averse individuals to risk-neutral institutions. Thus, the main motive for purchasing insurance is risk aversion to avoid loss. Insurance can improve the financial resilience and overall financial stability of households, with particular importance for low-income households.\nHousehold demand for insurance depends on many factors, including the socio-demographic characteristics of household members, the economic structure of the household, the evolution of the macroeconomic environment, as well as institutional factors. Specific household preferences, attitudes and risk perceptions are also important. However, of all the factors, household income is generally cited as the most important as it has a major impact on demand for both life and non-life insurance.\nAlmost 60% of respondents have life insurance, the vast majority of them also use some form of non-life insurance (54% of all respondents). On the other hand, almost a tenth have no insurance at all. At least one of the considered forms of non-life insurance is generally used by the majority of the total respondents (84.4%), while only 31% of respondents have non-life insurance (and not life insurance at the same time).\nPeople with higher education and households with children are more likely to use insurance, which may be related to the motivation to secure their dependents. Household income and financial reserves have a significant impact. Low-income households are significantly less likely to take out insurance, which may be due to the fact that insurance is unaffordable for them. In contrast, households with long-term financial reserves are more likely to use insurance. Life insurance is also used more often by people who have other loans or credits besides a mortgage.\n
Long-term savings in Czech households.
Fialová, Kamila ; Mysíková, Martina
Long-term savings help to maintain a stable standard of living and well-being for people at different stages of their lives, or even to support a rising standard of living over time, even after the loss of income that can be expected, for example, in retirement. The main reasons for saving for the long term are to provide for retirement, invest in property or higher education, either for oneself or for one's children. The aim of this study is to identify the main factors that can influence long-term savings. \n\n
Short-term savings and financial resilience of Czechs.
Fialová, Kamila ; Mysíková, Martina
The aim of this study is to identify the main factors that may affect the resilience of Czech households to financial shocks through their impact on savings - short-term financial reserves.\n\n
Financial affordability of housing in Czech households
Fialová, Kamila ; Mysíková, Martina
Housing costs generally represent the most important item of household consumption expenditure. While the average European household spends 25% of its budget on housing, including energy and other payments, in 2021, the Czechs spend as much as 28%. Housing affordability is generally defined as the provision of a certain standard of housing at a price or rent that is considered a reasonable burden on households. If a household's share of housing costs is too high, this can have a negative impact on other household consumption as well as on living standards. The study assesses the burden of housing costs on Czech households using objective and subjective methods and identifies the main factors influencing the financial burden.
Loans, credit and debt in Czech households
Fialová, Kamila ; Mysíková, Martina
The use of loans and credit is one of the pillars of households' financial resilience and stability. Household borrowing and lending is common in all developed countries and does not necessarily have negative consequences. Indebtedness has a double-edged relationship with household financial resilience. On the one hand, access to loans and credit can improve households' resilience to financial shocks and enable households to increase their welfare by making it easier to smooth consumption over the life course. But on the other hand, high levels of household debt reduce resilience to future financial shocks. Excessive debt can be a sign that a household may not be managing its financial situation and is therefore not financially resilient.\nIn terms of potential impacts, a distinction should be made between indebtedness and over-indebtedness. Over-indebtedness refers to a situation where households are struggling to repay their debts, which can cause financial stress and threaten households' living standards. This study uses two approaches to measure over-indebtedness: objective and subjective. It aims to identify the main factors influencing household over-indebtedness under both approaches.\n
Advanced removal methods of matter difficult to coagulate during drinking water treatment
Fialová, Kateřina ; Pivokonský, Martin (advisor) ; Mašín, Pavel (referee) ; Brányik, Tomáš (referee)
Nowadays, drinking water treatment (DWT) is becoming more and more challenging due to the increasing anthropogenic pollution as well as due to the impacts of climate change. Water sources commonly comprise a cocktail of undesirable substances, the removal of which by the conventional DWT process based on coagulation/flocculation is often insufficient. This dissertation deals with advanced removal methods, particularly adsorption, usable for difficult to coagulate substances during DWT. Particular emphasis is placed on removing manganese, algal organic matter (AOM), and per- and polyfluorinated alkyl substances (PFAS). Additionally, in the case of emerging anthropogenic pollutants, attention was also paid to their occurrence and interactions in water. As part of the research, a new TiO2-based adsorbent was synthesized for Mn2+ removal. Since the prepared adsorbent showed high Mn2+ removal efficiency in a much wider range of pH values compared to the conventional demanganization method, which requires very high pH values, it could serve as a suitable alternative demanganization method. Regarding the removal of AOM, the influence of solution properties on its adsorption onto different types of granular activated carbon (GAC) was thoroughly investigated. It was found that the efficiency of AOM...
Combination of different drinking water disinfection processes and their impact on the formation of disinfection by-products
Česká, Pavlína ; Načeradská, Jana (advisor) ; Fialová, Kateřina (referee)
Combining disinfection processes with chlorination can alter the formation and resulting spectrum of Disinfection By-Products (DBPs) in drinking water. While considerable attention has been given to DBPs formed during chlorination, DBPs formed during the application of multiple disinfection processes are a significantly less explored group. This study focuses on three most common disinfection combinations: chlorination-UV, UV-secondary chlorination, and ozonation-secondary chlorination. After chlorination, trihalomethanes (THMs) and haloacetic acids (HAAs) are the most commonly found DBPs in water. The resulting formation of DBPs is influenced by many factors. UV radiation at typical disinfection doses (40-186 mJ.cm-2 ) does not affect the formation of these two groups of compounds after treatment with UV radiation and secondary chlorination. During the advanced oxidation process (AOP) of chlorination-UV, generally more DBPs are formed than during chlorination alone. However, this can be partially minimized by adjusting the appropriate wavelength and pH of the treated water. For waters containing nitrogenous compounds or bromide, combining chlorination with UV radiation and chlorination with ozonation leads to higher formation of hazardous nitrogenous and brominated DBPs compared to chlorination...
Sales Promotion and Advertising of Company
Fialová, Karolína ; Uhlířová, Marika (referee) ; Mráček, Pavel (advisor)
This bachelor thesis deals with the issue of sales promotion and advertising of a company that deals with agricultural production. Marketing communication in the company is not thriving greatly, therefore based on this deficiency I will analyze the marketing communication, I will also pay attention to advertising and sales promotion which are part of the communication mix. At the end of this thesis, some solutions will be proposed to establish a closer relationship with the customers and the public of the community.
Nábytek pro seniory
Fialová, Karolína
Master's thesis deals with furniture for the elderly. The goal is analysis of elderly furniture. The begining of the thesis is about demography and about important information regarding elderly, their habitation, psychology, health and furniture features. Next, the thesis deals with market research. Survey in retirement homes has the goal find out features about furniture in retirement homes and find out information from clients and nursing personnel about satisfaction with furniture and requirements for furniture. In the end of thesis the informations are completely evaluate and used for create missing furniture element and create informative handout.

National Repository of Grey Literature : 87 records found   1 - 10nextend  jump to record:
See also: similar author names
12 FIALOVÁ, Kamila
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4 FIALOVÁ, Klára
8 Fialova, Karolina
12 Fialová, Kamila
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