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Assessment of the financial efficiency of the purchase of a family house in the territorial context
Rousová, Eliška ; Kocourková, Gabriela (referee) ; Pelčák, Svatopluk (advisor)
This thesis deals with the assessment of the financial efficiency of buying a family house in a territorial context. In the theoretical part, topics such as living standards, family finances and the possibilities of financing one's own home are discussed. The practical part evaluates a questionnaire that was sent to selected respondents. The questionnaire was chosen as the best way to learn about cash flow families. The next step is the analysis of financing options - mortgage loan and building savings. In the last chapter, 4 properties in different locations within commuting distance of Brno are selected and these properties financed by the selected method from the analysis.
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Financial literacy
Stárková, Zuzana ; Krahulcová, Beáta (advisor) ; Zelinková, Olga (referee)
STÁRKOVÁ, Zuzana, Financial literacy, Prague, 2011. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main Theme of the thesis is financial literacy, especially its level among the citizens of the Czech Republic. It concerns also with main consequences of insuffícient financial knowledge of Czech citizens nowadays. First part of the thesis deals with definition of financial literacy, its causes and consequences. Further, it covers social and psychological aspects of financial literacy. Last chapters are devoted to the topics of personal bankruptcy and insolvency act. The thesis is finished with a casuistry of an indebted family. Key words: Financial literacy, Financial education, Family finance, Banking, Indebtedness, Execution, Insolvency act, Social and legal counselling
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Financial literacy
Stárková, Zuzana ; Krahulcová, Beáta (advisor) ; Zelinková, Olga (referee)
STÁRKOVÁ, Zuzana, Financial literacy, Prague, 2011. Zuzana Stárková - Charles University in Prague - Husitská teologická fakulta. Supervisor, Prof. PhDr. Beáta Krahulcová, CSc. Main Theme of the thesis is financial literacy, especially its level among the citizens of the Czech Republic. It concerns also with main consequences of insuffícient financial knowledge of Czech citizens nowadays. First part of the thesis deals with definition of financial literacy, its causes and consequences. Further, it covers social and psychological aspects of financial literacy. Last chapters are devoted to the topics of personal bankruptcy and insolvency act. The thesis is finished with a casuistry of an indebted family. Key words: Financial literacy, Financial education, Family finance, Banking, Indebtedness, Execution, Insolvency act, Social and legal counselling
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Derivatives in family finances
Varecha, Martin ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
This thesis focuses on the derivatives market. The goal is to choose ones that are suitable for use for the benefit of family finances and planning. Mapping the world market derivatives, and then describes the basic characteristics of the main types of contracts. After the general characteristics of the derivatives in the introduction, are briefly described two types (forwads and swaps) that are not directly used in the family finances. In their description, however, are pointed out the fundamental principles of derivatives and trading with them. In the next section, the focus is on those derivatives that are suitable for use in household budgets. They include Futures, Options, Warrants, Investment Certificates, Exchange Traded Funds (ETF), Contracts for diference (CFD). There are also discussed basic principles of these instruments, their use and the current bid.
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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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Osobní a rodinné finance
Mazáč, Tomáš ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
Práce pojednává o rodinných financích, na praktických příkladech ukazuje, jak důležité je v dnešní době mít dostatek informací. Zdánlivě známé programy typu stavebního spoření, či penzijního připojištění a pojištění se dají v rodinném rozpočtu využít mnohem lépe, než je v českých rodinách zvykem. Veškeré popsané principy a možnosti trhu lze v osobních financích velmi efektivně využít.
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Osobní a rodinné finance
Náplavová, Veronika ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
Ve své bakalářské práci na téma Osobní a rodinné finance se zamýšlím nad smyslem bohatství a peněz. Cílem mé práce je analýza osobních či rodinných financí s důrazem na plánování a cíle jednotlivce či rodiny. Zabývám se situací občanů České republiky z hlediska jejich příjmů, výdajů, úspor a dluhů. Nástin problematiky jsem podpořila vlastním průzkumem. Závěr věnuji analýze konceptu finančního plánu.
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