FINANCE - REAL ESTATE - CAREER

Even with the same income, your finances will grow. A financial plan helps human nature to maintain order and maximize your income. We select for you through proven analytical tools what you really need.

We help people to live in a safe way. We select suitable properties for you, both for housing and for investment. We will do our best to manage the entire implementation process without stress.

Is purposefulness, perseverance and goal-seeking part of your personality? Do you have experience that has led you to think about your own business? Then we can be the right choice for you to grow your career.

Expensive money borrowes your wallet at lightning speed. It has been said many times that loans for unnecessary things, that is, those that can be regretted, are the most expensive. You pay a week of vacation for a year or two. After two months, you know it wasn't worth it, and the next twenty-two you will realize it more and more. Credit card purchases will do great, but they will be really difficult to repay.

Everyone should have a reserve for the normal operation of the household to cover any unexpected expenses. Paying a broken TV or a washing machine from a credit card or loan is an expensive salvation, that's what we said at the first advice.

It is said that Czechs are "careful". But not as they should be. Caution means securing in the event of unexpected events, ie having quality and cheap insurance. Both in the case of damage to property and health.
In the area of ​​securing their health, Czechs mainly forget about disability insurance. In particular, people with higher incomes and entrepreneurs should not underestimate disability insurance for any reason.

In order to buy your own home today, you need to meet a number of conditions. The main thing is to have at least 20% of the purchase price of the property available. Other conditions state that the amount of the mortgage applicant's debt should not exceed nine times his annual net income and at the same time he should spend a maximum of 45% of his monthly net income on debt repayment. Therefore, acquiring one's own home requires long-term preparation and financial planning.
After the obligation is repaid, the property owner's expenses are rapidly reduced compared to the person living in the rent. Therefore, housing solutions should be one of the priorities.

Czechs like financial security and yet they have long underestimated the creation of old-age reserves. State pensions are a very uncertain variable, as shown by changes over the last quarter of a century. They will get the only security if they create their own reserves for retirement.
Regular investments are suitable for creating reserves over decades. Time works in favor of appreciation, so the sooner it starts, the cheaper it will be. It is ideal to save several thousand crowns a month. If you do not leave anything to chance and you regularly invest 3,000 crowns a month for 30 years, then you can count on the amount of 2,089,089 crowns.

According to the latest data, careful Czechs have more than one trillion crowns deposited in current accounts. Their resistance to movements and falling interest rates on banking products is admirable. Even if they do not earn bills, the Czechs leave money on them. They feel that they will best protect their savings on a savings or current account. But is it really safe? There is almost no interest on current accounts, and it loses its value every year because of inflation. Thus, Czechs voluntarily suffer the loss of their money in the belief that it protects them.

This advice is primarily about the meaning of individual financial products - that is, the reasons why you have them closed. In addition to the reasons, it is equally important to set them up correctly to really help you secure and bridge the problematic period financially. For example, insurance risks such as disability or death covered in the order of one hundred thousand crowns may not be sufficient. In the event of an insured event, ie death or permanent disability, the breadwinner with long-term insurance will not help permanently. Bridging such events is a matter of years, ie millions of crowns. The same is true for underinsurance for a property or household insurance contract. In the event of an insured event, the insurance company will reduce the indemnity by tens of percent. Poorly set up insurance products are, even if it doesn't seem so at first glance, really expensive, because when something happens, you will feel how much you still pay for them, because they did not cover what they had.