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Financial literacy and financial history of Czech households
Vrabčák, Jan ; Rajl, Jiří (advisor) ; Fleischmann, Luboš (referee)
The author of this bachelor's thesis deals with the phenomenon of the present that is topic of financial literacy. The subject of this thesis is to create a reliable and sufficiently understandable manual, which actions should a financially literate individual, who is responsible for financial situation of his family, take. Author's intention is also to applicate gained knowledge on a model of fictional average Czech household, in real conditions, though, and therefore confirm usability of his own work. The result is going to be a product, which will pass on advice, how to take care of own financial situation, and will show or rationalize everything on a specific and detailed example.
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Case study of family finances in the context of macroeconomic data in 2009–2013
Zuranová, Natálie ; Smrčka, Luboš (advisor) ; Duda, Dušan (referee)
The focus of my thesis is to evaluate the financial situation of the individual family and compare it with the average Czech family, according to data collected by the Czech Statistical Office. The thesis is divided into two parts, theoretical and practical ones. In the first part there are introduced the theoretical framework and the basic theoretical concepts adopted for this study. In the second part is the family budget based on real data from a bank account analysed. Finally, I propose a more efficient use of available funds, found in a family bank account, and thus I can explain the importance of investing. My thesis is is consistent with the macroeconomic developments and the financial crisis in 2009--2013.
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Analysis of the family budget during the whole life time
Křížková, Michaela ; Zámečník, Petr (advisor) ; Šikýř, Martin (referee)
The aim of this work is to analyze incomes and expenses of individual person and families during their life, to find appropriate opportunities for savings and investment for certain situations in life, to calculate the efficiency of investment to education, to calculate funding their own flat or house compared to living in a rented flat or house, to calculate the costs of a child, to find out when it is appropriate to insure themselves, to plan the financing for seniors. Historically averages and interest rates of mortgages, the growth of emerging markets, the average of inflation rate are used for every calculation. In conclusion, there is given a complete perspective of total income and expenses.
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Indebtedness in connection to personal and family finance
Lahvinenka, Anastasiya ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
In this bachelor work I have analyzed indebtedness of Czech households by using breakdown of some indicators that are connected to this issue (net income, bank loans, deposits in banks, inflation, interest rate and annual percentage rate). Also this work describes some researches of a company STEM, which can widen our view on indebtedness of Czech households. This bachelor work also provides practical knowledge in managing personal and family budget in a way, so that we could finance our needs and at the same time have enough money to cover our commitments.
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Pension reforms and their impact on family budget
Lohonka, Petr ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
This thesis focuses on the possible options for pension reform in the Czech Republic and their impact on family budgets, both in terms of payments in the economically active age, and then from the amount of pension at retirement age. In the theoretical (methodological) part are several possible scenarios of pension reform chosen from proposals to the Czech Republic and from the pension systems applied abroad too. There are described the main pillars and main differences between them and of course the difference from the current state of pension system in the Czech Republic. The entire chapter is devoted to the current state of pension system, because it is the starting point for each of the reforms. After describing all options of pension reforms in the theoretical (methodological) part, we focus on the practical part. There are described several model participants and for each participant are calculated present payments and future revenues, which depends on the variant of the reform. According to this testing we search for such a pension reform, that would be the best across social and income groups. At the end is this testing evaluated and the results of the entire work interpreted.
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