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Assessment of The Financial Effectiveness in Lease or Purchase of A Flat as Possible Alternatives of Housing
Šindelek, Martin ; Hroníková, Marta (referee) ; Chovancová, Jitka (advisor)
The subject of this thesis is the financial assessment of ownership and rental housing in the country. The theoretical part focuses on the standard living, cash flow planning for household, Czech housing fund and the most attention is paid to the possibilities of financing of own housing. These are mainly mortgage and building savings. In the practical part are applied previous knowledge to the specific case of renting an apartment and buying a flat. Different financing alternatives own housing are also made. Financial efficiency of rent an apartment and own apartment is compared in the long term.
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Issue of Housing and its Solution in the Village Kobylí
Kaňa, Jan ; Vaňková, Lucie (referee) ; Korytárová, Jana (advisor)
This thesis discusses housing issues and its solutions in a village named Kobylí. The theoretical part focuses on introducing the issues by defining basic concepts related to housing, local real estate market and evaluating feasibility of projects. The thesis provides an overview of current as well as historic data and graphs related to housing. In the practical part, a feasibility study is presented and focuses on an economic evaluation of a construction of a new apartment building in Kobylí, followed by requirements assessment such as an effectiveness of critical variables and a crucial input value from the investor's point of view. Lastly, this thesis identifies and defines new tenants of the building which is offering appartemnts, and evaluates whether the tenants can afford housing in their new apartment.
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Issue of Housing and its Solution in the Village Kobylí
Kaňa, Jan ; Vaňková, Lucie (referee) ; Korytárová, Jana (advisor)
This thesis discusses housing issues and its solutions in a village named Kobylí. The theoretical part focuses on introducing the issues by defining basic concepts related to housing, local real estate market and evaluating feasibility of projects. The thesis provides an overview of current as well as historic data and graphs related to housing. In the practical part, a feasibility study is presented and focuses on an economic evaluation of a construction of a new apartment building in Kobylí, followed by requirements assessment such as an effectiveness of critical variables and a crucial input value from the investor's point of view. Lastly, this thesis identifies and defines new tenants of the building which is offering appartemnts, and evaluates whether the tenants can afford housing in their new apartment.
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A digest of solved problemsoffinancial mathematicsfor lower secondary school-money, household budget
KŘÍŽOVÁ, Markéta
The aim of this bachelor thesis is to introduce basic principles of financial literacy to primary school pupils because its knowledge is necessary for correct decision making in a financial world. Bachelor thesis is designed as a compilation of solved tasks, which is supposed to serve upper primary school pupils. This thesis deals with issues and solved examples form practice. Subjects used in this compilation are warranty claim, false advertising, family finances, inflation, currency exchange rate, price of product/service (VAT) and cash and cashless form of currency.
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Financial Management within the Family Budget
Posekaný, Tomáš ; Votava, Libor (advisor) ; Hamrová, Kateřina (referee)
The aim of this thesis is, by using statistical data to demonstrate the effect of external factors on consumer behavior and outline the correct path to reach decisions in the con-text of the family budget. The thesis includes the issue of controlling the family finances, financial literacy and behavior of families in relation to conventional financial issues. The work also draws particular attention to the importance of financial education and highlights the importance of financial planning, creating of family budget and the need for general awareness about world of finance.
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Financial literacy of users of refuges
JANOUŠOVÁ, Věra
Financial literacy is a topic of the day which concerns all the categories of the population in their everyday life. The thesis titled Financial Literacy of Refuge Clients tries to describe the theme of financial literacy from two points of view. On one hand, from the viewpoint of people who, for various reasons, have become clients of refuge and on the other hand, from the viewpoint of social workers who work in refuge. The theoretical part is divided into four subchapters which describe a given issue. An explanation of the basic terminology related to the topic is followed by a subchapter on financial education of children and adults and activities in the field of education. The third subchapter deals with potential effects of financial literacy and the end of the theoretical part focuses on social work with refuge clients. The practical part describes a research which consists of two parts. To achieve the defined goal, a qualitative research has been employed in both parts, using the survey method and the semi-structured interview technique. The document contents analysis was used in the second part of the research. The survey research was carried out in five refuge of Diaconia of the Evangelical Church of the Czech Brethren. The first part of the survey involved fifteen communication partners, users of the refuge as a social service. The second part of the survey involved five communication partners, social workers in refuge. Both survey samples were created by a special-purpose selection. The data gathered in the interviews were evaluated by means of the open coding method. The main goal of the thesis was to find out how refuge clients view their own financial literacy and a potential for improvement in this respect. A sub-goal of the thesis focused on learning viewpoints of the social workers regarding the potential for improving financial literacy of the refuge clients. The survey results have shown that the category of financial literacy within the meaning as defined in literature is not represented in the refuge clients. With regard to their generally difficult situation which also includes their financial situation, the category of financial literacy narrowed to the efforts to make both ends meet at the end of the month and to the question whether or not to deal with financial claims, debts or distraints. This is the setting which has to be the basis for work of social workers in refuge as well. There exists a wide-ranging offer of potential paths leading to financial literacy for all categories of the population, regardless their address. Leaving aside education at school, getting further information is optional, conditioned by everybody's own interest. To increase financial literacy of the clients, social workers may choose from many options, or use their own knowledge and skills. The main prerequisite for success is to adapt themselves to the clients' interest and capabilities. The thesis describes attitudes of refuge clients to financial literacy issues which are identical to the attitudes of this specific category of the population to addressing their difficult financial situation. Social workers become aware of additional possibilities of financial literacy improvement which they can use when working with their clients. Based on the survey results obtained, a comprehensible leaflet has been prepared, containing the essential information about financial literacy. The leaflet in both electronic and printed version will be available for those interested in it, i.e. refuge clients, social workers as well as the general public.
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Assessment of The Financial Effectiveness in Lease or Purchase of A Flat as Possible Alternatives of Housing
Šindelek, Martin ; Hroníková, Marta (referee) ; Chovancová, Jitka (advisor)
The subject of this thesis is the financial assessment of ownership and rental housing in the country. The theoretical part focuses on the standard living, cash flow planning for household, Czech housing fund and the most attention is paid to the possibilities of financing of own housing. These are mainly mortgage and building savings. In the practical part are applied previous knowledge to the specific case of renting an apartment and buying a flat. Different financing alternatives own housing are also made. Financial efficiency of rent an apartment and own apartment is compared in the long term.
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