BKF_OSFI Personal finance

Faculty of Economics and Administration
Spring 2017
Extent and Intensity
0/0. 8 credit(s). Type of Completion: zk (examination).
Teacher(s)
Ing. Peter Mokrička, Ph.D. (lecturer)
Ing. Gabriela Oškrdalová, Ph.D. (lecturer)
doc. Ing. Martin Svoboda, Ph.D. (lecturer)
Guaranteed by
doc. Ing. Martin Svoboda, Ph.D.
Department of Finance – Faculty of Economics and Administration
Contact Person: Iva Havlíčková
Supplier department: Department of Finance – Faculty of Economics and Administration
Timetable
Fri 24. 2. 16:20–19:35 P102, Sat 18. 3. 12:50–16:15 P104, Sat 8. 4. 8:30–11:50 P304
Course Enrolment Limitations
The course is also offered to the students of the fields other than those the course is directly associated with.
fields of study / plans the course is directly associated with
Course objectives
The course Personal Finance is designed as the first introduction for students of all disciplines and specialties to personal and family finances. In the introductory part the course deals with fundamental aspects of personal and family finances and personal and family goals and their planning. The following units are focused on loans, savings and investment, but also on risk and hedging against it, system of payment and electronic banking. Even housing and execution will not be left out. In the context of this course students also receive information on selected areas of personal and family finances over the world. At the end of this course a graduate will be able to: - identify personal and family finances - characterize different types of loans, ways of saving, investment and risk management, insurance products and system of payment products - clarify the tax aspects of personal and family finances - describe financial planning and its stages - compare ownership, cooperative and rental housing - clarify the issue of execution.
Syllabus
  • 1) Introduction to personal and family finances 2) Revenues and expenditures of individuals and families, personal and family assets 3)Personal and family goals and their planning (personal and family goals, when begin to plan family finance, formation and implementation of personal and family financial plan) Financial, capital and money markets. Investment portfolio, its formation and management. 4) Loans (consumer loans, mortgage loans, hired purchase, credit cards, leasing, etc.) 5) Saving (time accounts, savings accounts, building savings, pensions, etc.) 6) Investments (active and passive investment, shares, bonds, shares, index products, etc.) 7) Risk and to insurance against it, insurance (travel, accident, pension, health and life insurance, third party liability, accident insurance, liability insurance, default insurance, insurance against illness, etc.) 8) System of payments. Electronic banking. 9) Housing (own housing funding, advantages and disadvantages of ownership, cooperative and rental housing, insurance and taxes) 10) Investments, savings, loans and taxes 11) Overindebtedness of households 12) Execution (under what circumstances may be imposed, on what and whom may be imposed, how it runs, how to defend against it, rights of a borrower, lender and executor, what to do in case of unqualified execution, etc.) 13) Personal and family finances in the Czech Republic and in the world
Literature
    required literature
  • MÁLEK, Petr, Gabriela OŠKRDALOVÁ and Petr VALOUCH. Osobní finance (Personal finance). 1st ed. Brno: ESF MU, Brno, 2010, 203 pp. Osobní finance, 1. ISBN 978-80-210-5157-7. info
  • SYROVÝ, Petr and Tomáš TYL. Osobní finance : řízení financí pro každého. 1. vyd. Praha: Grada Publishing, 2011, 207 s. ISBN 9788024738130. info
  • SMRČKA, Luboš. Rodinné finance : ekonomická krize a krach optimismu. 1. vyd. Praha: C.H.Beck, 2010, xxii, 538. ISBN 9788074001994. info
    recommended literature
  • Personal finance. Edited by George S. Callaghan - Ian Fribbance - Martin Higginson. 1st ed. Chichester: Wiley, 2007, x, 461. ISBN 9780470028551. info
  • JANDA, Josef. Spořit nebo investovat? 1. vyd. Praha: Grada Publishing, 2011, 167 s. ISBN 9788024736709. URL info
  • KOHOUT, Pavel. Investiční strategie pro třetí tisíciletí. 6. přeprac. vyd. Praha: Grada, 2010, 292 s. ISBN 9788024733159. info
  • SYROVÝ, Petr. Investování pro začátečníky. 2. přeprac. vyd. Praha: Grada, 2010, 105 s. ISBN 9788024734866. URL info
  • PŘIB, Jan. Kdy do důchodu a za kolik. 13. aktualiz. vyd. Praha: Grada, 2011, 139 s. ISBN 9788024740904. URL info
  • ŠULC, Jaroslav. Penzijní připojištění. 2., aktualiz. a rozš. vyd. Praha: Grada, 2004, 196 s. ISBN 8024707721. info
  • SYROVÝ, Petr. Financování vlastního bydlení. 5. zcela přeprac. vyd. Praha: Grada, 2009, 143 s. ISBN 9788024723884. URL info
  • HYBLEROVÁ, Šárka. Zdroje financování bytové výstavby v České republice se zaměřením na hypoteční úvěr. Vyd. 1. V Liberci: Technická univerzita v Liberci, 2010, 118 s. ISBN 9788073726737. info
  • FILIP, Miloš. Osobní a rodinné bohatství : jak chytře investovat. Vyd. 1. Praha: C.H. Beck, 2006, xiii, 381. ISBN 8071795232. info
  • FILIP, Miloš. Osobní a rodinné bohatství : kam s penězi. 1. vyd. Praha: C.H.Beck, 2006, xv, 474. ISBN 8071794163. info
  • FILIP, Miloš. Osobní a rodinné bohatství : jak se dobře zajistit. Vyd. 1. V Praze: C.H. Beck, 2006, xi, 273. ISBN 807179466X. info
  • SYROVÝ, Petr. Jak si spořit na důchod : zorientujte se v důchodové reformě. 1. vyd. Praha: Grada Publishing, 2012, 152 s. ISBN 9788024744797. URL info
Assessment methods
The course has a form of lectures. A submitted semester paper (POT) will be assessed either passed or failed. Requirements for admission to the test are the following: - submission of semester paper (POT) assessed as passed. The course is completed by a written test. Any copying, recording or leaking tests, use of unauthorized tools, aids and communication devices, or other disruptions of objectivity of exams (credit tests) will be considered non-compliance with the conditions for course completion as well as a severe violation of the study rules. Consequently, the teacher will finish the exam (credit test) by awarding grade "F" in the Information System, and the Dean will initiate disciplinary proceedings that may result in study termination.
Language of instruction
Czech
Further comments (probably available only in Czech)
Study Materials
The course is taught annually.
Credit evaluation note: k = 1,5.
The course is also listed under the following terms Spring 2010, Spring 2011, Spring 2012, Spring 2013, Spring 2014, Spring 2015, Spring 2016, Spring 2018, Spring 2019, Spring 2020, Spring 2021, Spring 2022.
  • Enrolment Statistics (Spring 2017, recent)
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