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Chronic imbalance between government revenues and expenditures was the main cause of growing public debt in many economies. In economic theory we can find some other arguments that justify deficit financing of government expenditures or public debt. We can mention these arguments -- in some situations (for example natural disaster) government borrowing from other subjects is very prompt and operative way how to gain additional money and seems to be better than other ways (for example better than increase of taxation), government bonds and securities can be very attractive instrument where economic subjects allocate savings and improve liquidity of secondary markets or can be used for monetary policy. On the other hand many arguments against budget deficit and public debt are in theory described and analyzed -- negative affects in savings allocation (crowding-out affect), cost of debt service limits active fiscal policy, debt burden is shifted to other generations, government expenditures from debt financing can negatively effect macroeconomic stability. In theory and in practical policy is public debt and its effects on economy relatively complicated and controversial topic and we can analyze its from economic, technical and political point of view. It results also from the fact that there are many different debt instruments which can be used to finance the budget deficit. A main distinction is the currency of denomination, and, in particular, whether or not is the domestic currency. Another important characteristics is the initial term to maturity, which among marketable instrument may range from few weeks to 30 years. A policymaker may rely on marketable securities, as well as on loans from financial institutions and on savings bonds sold to personal investors. Which instruments policy makers choose depends on the objective they pursue as well as on the circumstances in which the choice is made. Debt management we can define as the process of establishing and executing a strategy for managing the government's debt in order to raise the required amount of funding, achieve its risk and cost objectives, and to meet any other sovereign debt management goals the government may have set, such as developing and maintaining an efficient market for government securities. The objective of debt management policy is to minimize over the long term the cost of meeting the government's financing needs, taking account of risk connecting with debt portfolio. Application of debt management in real economy covers for example these specific issues: Debt management objectives and strategy, coordination with fiscal and monetary policy, allocation of responsibilities and objectives among institutions and authorities dealing with debt management, transparency to public, institutional framework, technical and information base. Importance of public debt management results from facts that high levels of public debt are a common feature of modern economies. It is possible to suppose that debt management is going to be very actual issue in the Czech Republic in near future for these reasons -- Czech Republic is small and open economy (we can consider it to be emerging market), during last several years public debt in Czech Republic have been growing rapidly not only in absolute volume but also as GDP ratio, there is a permanent danger that financial and economic shocks in international economy combined with inappropriate fiscal and monetary policy can have negative or in extreme case fatal impact on many people living in the Czech Republic. Dissertation "Public debt Management" primary focused on these issues and problems: Basic theoretical points concerning fiscal policy, deficit and public (government) debt -- methodology of measuring debt, influence debt on economy, risks connecting with public (government) debt Arguments for and against deficit and debt Public debt management -- general recommendations of International Monetary Fund Practice as for the public debt management in some countries -- USA, Sweden, countries of Euro-area Situation as for the public debt in Czech Republic Public debt management in Czech Republic -- historic development, goals and criteria set and used presently, analyze of risks that public debt management deals with, risk management applied in Czech republic, evaluation public debt management in Czech republic -- confrontation with recommendations of International Monetary Fund Analyze of impact of financial crises on process of public debt management in Czech republic Some arrangements concerning directly or indirectly public dept management in Czech Republic are recommended and analyzed. These recommendations are: Implementation of "inflation-linked" bonds Increasing portion of debt denominated in euro currency Prolongation of calendar of emissions Improvement of intelligibility of documents named "Strategie" that should declare and explain principles of public debt management in Czech republic Creation and implementation of special law destined for public debt management

This thesis is devoted to the investment attractiveness of Ukraine in respect to macroeconomic indicators in comparison with the CIS countries which are the members of the Eurasian Economic Union and the countries which have signed the European Union Association Agreement. The beginning of the work includes a theory, a description grounds of the research, a description of the macroeconomic guidelines, types of investments, the relationship between investment and globalization. Furthermore, at the beginning of the work it is explained why exactly these economic changes took place in Ukraine. Then the countries are compared according to the selected macroeconomic indicators and foreign direct investment income. Summing up the results of the comparison as well as checking for the presence of correlation between the indices of GDP per capita and foreign direct investment income per capita using Spearman's correlation coefficients.

This diploma thesis deals with foreign direct investments and investment incentives. Theoretical-methodology framework specifies terminology which applies to the topic of foreign direct investments and investment incentives. Practical part is focused on automotive industry, where is selected a sample from companies which operates in Czech Republic. Practical part of thesis refers to the fact that it is possible to be successful even without investment incentives.

The aim of this thesis is to verify the existence of dependence between inflation and unemployment through the Phillips curve in the Czech Republic and its neighboring countries (Poland, Austria, Slovakia and Germany). This observed relationship is complemented by the economic development of both macroeconomic variables in these countries. The first chapter is devoted to the theoretical background of inflation, unemployment and Phillips curves. In the second chapter, the data used to verify the existence of the inverse relationship between inflation and unemployment is defined. The third chapter is country-by-country, with the development of inflation and unemployment rates first and then Phillips curves based on available data. The last section is devoted to a summary of the achieved results.

Subject of this bechalor's thesis is to evaluate theoretical concept of basic income. At first the paper will define basic income as such and then it will describe it's history and alternations. Futher, the paper will uncover fucntion's of current social welfare system in the Czech republic. Primary goal of this thesis is evualuate economic and social benefits of basic income, and lays down a question if it's possible to ipmlement such system in the Czech enviroment.

Dissertation with title: Housing Financing in the Czech Republic using mortgage loan deals with analysis of mortgage loans. Work aims to acquaint with issue and options of financing of housing. First part is focused on legislation and theory of mortgage loans, where is also characterised process of mortgage loans. Further is followed up comparison mortgage loans with loans from building savings, their advantages and disadvantages when are used to financing of housing. In the second part are presented macroeconomic indicators, that affect state of mortgage market. In the third part are analysed mortgage products of four selected banks , that are Hypotecni banky a.s , Komercni banky a.s, Raiffeisenbank a.s. and České spořitelny a.s. Last part is devoted to model example of two hypothetical clients, where it is carried out comparison of the mortgage loan in the selected banks in terms of fundamental parameters and also the APR. Goal of dissertation is to provide recommendation within this form financing of housing and choose the best variant of mortgage loan for hypothetical clients.

There has been an endless discussion on the efficient-market hypothesis between different academic schools. Many recent studies have opened up towards the paradigm shift in rational thinking problem. This thesis deals with the issue of asymmetric information interpretation during altered mental states. The purpose of this study is to discover the effect on agent's behaviour using a practical tool such as a daily trade plan. If traders succumb to irrationality, they probably make poor choices below their potential levels. Therefore the experiment was conducted with students of FM VŠE. The variables were measured before and after the intervention which was applying the trade plan. The additional data collection mapped the personal context of self-reflection and management of well-being. The results indicate the advantage of using the daily trade plan for manipulating the factors that can negatively influence the quality of decision-making.

The aim of this Bachelor thesis is to create qualified estimation of essential costs needed for stabilization of drainage conditions in the landscape of spring area of the river Jihlava based on design appropriate protective measures. There are fundamental elements described in this thesis which can be used to revitalize the river basin. Further there is described how to create the costing for the measures to stabilize drainage conditions and what is the basis for costing. The task arises as a result from need to specify estimated costs which are cited between two and twenty billion Czech crowns to revitalize spring areas of the Czech Republic. The need of revitalization of basin landscape in the Czech Republic arises mainly from the necessity to decrease the outflow speed in the ladscape and to assure prevention of negative impacts of ongoing changes.

The aim of the diploma thesis is to analyze the development of the government debt in the Czech Republic, in particular in terms of its structure, the assessment of the sustainability of the current government debt level and the assessment of the setting and operation of debt management in the Czech Republic, in comparison with the recommendations of important international institutions. Used will work primarily analytical, synthetic and comparative methods. The first chapter introduces the theoretical definition of the concepts of public debt, including its causes, impacts and forms of coverage. Subsequently, the thesis deals with the theoretical approaches in the sphere of governement debt management. The next chapters assess the development of the government debt in the Czech Republic, its structure, institutional solution and overall debt management. Finally is evaluated the sustainability of the Czech Republic's current indebtedness and realized the comparison of debt management with IMF and World Bank recommendations.

Bachelor thesis deals with the topic of standards of living and quality of life. Both of these concepts are defined and characterized in the performed research of literature. Further the possibilities of standards of living and quality of life measuring are described. In the second part the results of two chosen surveys are described and analy-zed. The first one is Human Development Index, the other is life satisfaction detected during European Quality of Life Survey. Closer description and analyses are focused on European Union, V4 states and Czech republic. The results of secondary analysis are summarized in the tables and graphs.

The goal of this bachelor thesis is to find out if economic convergence happens in reality between chosen countries after their admission to the European Union. This thesis examines nominal and real convergence. Through analysis and comparison of statistical data this thesis compares individual macro-indicators of nominal and real economic convergence and examines if convergence happens. Convergence is observed in time line on chosen countries.

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.

The aim of this thesis is to evaluate the status of the region of Ile-de-France using a comparison of indicators within the PEST analysis and a survey questionnaire that identifies factors that affect business conditions in cooperation with the Czech Republic. In this thesis there are described the most important information about Ile-de-France, socio-cultural and economic characteristics, the business environment of the region and the relations between the Czech Republic and the region of Ile-de-France. The survey questionnaire was given to 46 Czech companies which entered the market of the region of Ile-de-France. Also the survey questionnaire and the results of the PEST analysis helped to identify opportunities and threats for Czech companies that intend to enter the regional market. In conclusion, there is an evaluation of what type of companies has a chance of success when entering and how it is possible to enhance cooperation between the region of Ile-de-France and the Czech Republic.

The thesis focuses on the creation of Nature consult Inc. aimed at providing advice to municipalities in comprehensive land consolidation. The intention of creating this com-pany comes out of the growing need to improve the effectiveness of prevention of negative impacts of climate change, and from the findings of the project Čistá voda pro Plzeň, which was realized largely at the expense of investigators (volunteers). The goal of the thesis is to create a business that is based on the use of community work which will help municipalities with the realisation of purposefully conducted comprehensive land consolidation. The expected activity of the company is education, facilitation, help with preparing applications for the realisation of comprehensive land consolidation and su-pervising the final solutions. The benefit of the company will be restoration of the main functions of the cultural landscape and enhancement of the quality of rural life.

The thesis aims to answer the question whether the budgets of Kamenice nad Lipou and Pelhřimov in the years 2011 - 2015 correspond with objectives and needs of these cities and the differences in the structure of the individual budgets are caused by the different objectives that are determined by municipal policy. The specific goal is to evaluate the financial stability and indebtedness in regard to appointed goals. The analysis, synthesis and subsequent comparison of budgets, final accounts and the available data and informations about cities Kamenice nad Lipou and Pelhřimov in years 2011-2015 was conducted. Based on these methods the hypothesis was confirmed that the municipality budgets of Kamenice nad Lipou and Pelhřimov in years 2011-2015 correspond with the objectives set out in planning documents and with the needs of citizens. In fulfilling these appointed objectives cities not risk hazardous indebtedness and bad economic situation. It was further verified that the structure of the municipal budget Kamenice nad Lipou and Pelhřimov in years 2011-2015 differs in regard to the appointed municipalities objectives.

This Bachelor thesis deals with the issue of opportunities and possibilities of new banks in the Czech market. In the first four chapters there is summarized the theoretical background of concerning the financial market, the banking system, the central banking and the concept of commercial banks. The theoretical part is followed by chapter five, where PEST analysis is used in connection with the aim of this work to analyze the opportunities and possibilities of new banks in the market. The sixth chapter describes the banking sector in the Czech republic, the code mobility of clients and the new banks, which entered the Czech banking sector in 2007-2014. The seventh chapter characterizes the selected banks. The last chapter contains the analysis of the comparison of the position of the Sberbank according to its competition. The conclusion summarizes the whole issue of the thesis.

This bachelor thesis concentrates primarily on the current situation in the Czech mortgage market. It presents the historical development, organization and the current situation in mortgage banking. It describes the basic characteristics of the mortgage loan, which includes the statutory definition of the mortgage loan, basic terms and parameters, division and types of mortgage loans, mortgage application, costs and fees associated with the loan, state aid, possibilities of drawings and repayments of the mortgage loan, the impact of the borrower's death or divorce of married couple on the mortgage loan etc. The main part of my bachelor thesis focuses on the analysis and comparison of individual mortgage loans from the five largest mortgage lenders with the goal to recommend the best mortgage loan for particular model clients.

The subject of this bachelor thesis is to describe and analyse the theoretical concept of basic income. Its primary goal is to provide financial security to all members of society and to improve the social and economic situation. While using approaches from normative economics, the work analyses and assesses the current social security scheme. Changes have been made to this scheme resulting in a new model of this system. The goal is achieved by the integration of basic income between other instruments while aiming to simplify and fairly distribute social benefits. The main limitation is financing of this new model which creates a deficit in the budget. Possible action towards dealing with this issue is highlighted in the end of the last chapter.

The aim of this bachelor thesis is describe and analysis decision-making process and housing finance in the Czech Republic. Especially considering the fact of choosing between their own housing, which is often sourced in debt, or rental housing. This option picked up in popularity, especially after 2008, when gradually to reduce the costs associated with debt financing of real estate. The thesis contains terms related to the real estate market, defines housing types and desition making. Then follows the analysis of primary and secundary data and create models.

The main aim of this bachelor thesis is describe the process of Euro adoption in the Czech Republic. This work will focus on the European Economic and Monetary Union, on the Eurozone, on preparation of the Czech Republic for Euro adoption and on the fulfilment of the Maastricht criteria. I will make the comparison of the Czech Republic and Slovakia on the basis on the Maastricht criteria. At the conclusion there will make an analysis whether the Czech Republic is able to adopt the Euro.

Diploma thesis on subject of "Decisioning about living and the of way financing it" is covering whole process of financing your living. This involves choosing the type of living, the form of funding this living and the way to get a loan, either non-life or life insurance. The goal is to review the whole process of acquiring the proper living and finding the crieria upon which is good to go by while chosing a living and its financing. Every aspect of this will be shown on concrete example with help of desicion making tree and analysis of the financial market.

The thesis investigated the company MOBIL GAS CENTRUM, spol. s. r. o., providing installation, servicing and sale of LPG, CNG in cars and trucks. The aim of which is to help the company to better understand its market position, specify its customers and target audience, competitors and possibly suggest a better way to communicate with customers. The work also describes the marketing mix, marketing objectives and strategies of the company studied, examined the competition using Porter's model of five forces of competitive and marketing research using questionnaires. The conclusion summarizes all the information and formulated recommendations.

In the work I deal with describing the origin of money from the exchange of goods for other goods across commodity trade, the first coins and banknotes, up to today's cash and cashless form of money. Also I will indicate the meaning and function of money for humans. In the main part I will devote a common currency the euro. I will describe what the conditions are for receive and advantages and disadvantages. The main objective of this work is to determine if the euro changes the country's economy and stabilizes her. For comparison I chose five countries. For countries that use the euro I will describe the process by which they had to pass before they received. I will evaluate countries using some macroeconomic indicators. On the base of results I will recommend whether Czech Republic has to receive the euro as soon as possible or wait.

The aim of my thesis is to outline the current situation of the issue of financial literacy of the population in the Czech Republic. It pays attention to the theoretical aspects of financial literacy from many angles. The practical part is focused on the possible consequences of financial illiteracy and their consequent effects on individuals. The outcome of my work is the proposal how to use the basic tools of the state to achieve financial literacy.

Master's Thesis focuses on development of unemployment in countries of Central Europe, specifically on example of Czech and Slovak republic. Aim of Master's Thesis is to analyse and name the causes of unemployment in Czech and Slovak republic, esprecially during the period after the year 1993, when these two countries separated. First, theoretical part describes the reasons and different kinds of unemployment. Included are also sociological, psychological and health aspects. Methodological part describes the mothods used for Master's Thesis processing. Naming and comparison of different unemployment reasons in Czech and Slovek republic are creating the content of practical part of this Master's Thesis.

The bachelor thesis deals with options for financing of theatres in the Czech Republic. Czech Republic is attempting to use more sources for financing of theatres in which share of public sources is unsubstitutable. The thesis is even mainly concerned with these public sources. Theatres wouldn't probably exist without these sources. Firstly there are defined basic terms in theoretical part, including analysis of models of theatre operations and short historical excursion. Secondly statistical information is following and the end of theoretical part deals with particular types for financing of theatres in detailed distinction of public, private and internal sources. Second part of the thesis is executed in the form of case study with the main object of the National Theatre as state allowance organization. Particularly is conducted analysis of financing of this theatre, including definition of available options of gaining financial sources. Upon detected facts there are recommendations made how to more or effectively exploit financial opportunities. As a part of case study there is also assessment of the basic economy indicators of the 2013 year. The purpose of the thesis is to make an overview of available methods of financing theatres as distinctive economic subject and in the case of the National Theatre to suggest solutions for prospective improvements.

The diploma thesis "Financial literacy of pupils at grammar school" deals with the attitudes of students to the issue of financial literacy and the level of their knowledge. It focuses on individual components of financial literacy and key factors which influence and shape the students' knowledge and attitudes. Comparing available literature sources the definition of financial literacy is discussed in the theoretical part. The theoretical part also includes the way financial education is regulated in the Czech Republic. The practical part using a descriptive statistical analysis presents results received from the questionnaire distributed among pupils of the grammar school. Based on the results four hypotheses were set and their validity is tested. The evaluation and discussion parts are incorporated in the work.

This work explains the concept of energy, its inclusion in the national economy and provides ways of producing electricity in the Czech Republic along with future based on their visions of the Czech Republic and the European Union. The aim of this study is to evaluate the development of electricity production in the Czech Republic. Especially if it really is undergoing changes, the reasons for which any changes occur and whether they are consistent with the visions of the Czech Republic and the European Union. It also indicates that the contribution of renewable energy significantly affects the price for the final consumer. A confirmation or refusal of the contribution's influence will be presented at a price example. The basis for price example is a price list of ČEZ, a.s., for analysis of eclectic energy production will be used The Annual report of the CZ ES operation 2013.

The bachelor thesis deals with the development of payment cards in the Czech Republic and abroad. It includes a summary of each card describes their advantages and disadvantages, and also covers security issues associated with their use.

The aim of the thesis is to analyse the impact of the financial crisis on the Czech real estate market with a focus on residential development projects. Another objective is to determine how the bank responded to the event through their funding conditions. In the work is mainly used method of analysis. In the practical part is used the method of comparison. The first part is devoted to the creation and development of the crisis and its spread to the whole world. Course focuses on market analysis and the very last part describes the situation of developers and financing of residential projects. The practical part deals with the comparison of two specific conditions of development loans, first approved in 2007 and the second approved in 2011. Based on the comparison of the major differences are found terms of funding. Finally, it outlines the current status and recommendations how the credit conditions by the banks could adapt to the current market environment.

The aim of this thesis, the theme is "Marketing strategy BLOCK as a marketing design measures that will increase the marketability and competitiveness of Forlab. Final thesis is divided into theoretical and practical parts. The theoretical part deals with the definition of basic concepts and relationships. In the practical part deals with the detailed analysis of the company as BLOCK

This diploma thesis analyzes the real estate market and focuses its financing primarily through mortgage loans and building savings loans. It analyzes the types and characteristics of individual products from different companies. Based on this information recommends solution and suitable procedure for model clients.

The thesis deals with waste management in a particular city. It analyzes the level and trying to find opportunities for improvement. Analyzed government in Čunovo and Petržalka, next government in Bratislava and also higher territorial unit into which belongs Bratislava. Looked at the current level of support.Analysis will subjected to public and given internal documents,which are recovered. The results were confronted with a questionnaire research and his results. The company OLO, as the dominant element in city waste management, was also subjected to the research and findings have been recovered. All results were recovered and supplemented by observation Method of shopping centers and their access to sorting waste for visitors. Resulted in the appreciation of of each individual step of research and the actual proposals for improving the situation have been complex. Their combined implementation should be not only to improving waste management,but also to in a cost saving in terms of household. done not only to improve waste hos-ture, but also the financial savings in terms of households.

The aim of this diploma thesis is an analysis of a level of financial literacy of citizens of Czech Republic. The opening part concentrates on the definition of basic concepts and on the characteristic of financial literacy. The second chapter deals with activities and programs for support of financial literacy on a multinational and European level and describes activities, which support financial literacy in the Czech Republic. The final chapter of this theoretical part contains a summary of the most important concepts of financial literacy in the context of normal civic life. The findings and outcomes of the fourth chapter are based on the processing results of the survey aimed to examine the financial literacy of the sample of respondents. The last part of this thesis is devoted to demonstration of possible activities to increase financial literacy.

The objective of work is a complex description and characterization of the contemporary state and the historical development of the mortgage market in the Czech Republic. Selected players will be used to compare mortgage products. A partial objective can be recommendations that can be applied when selecting a mortgage product in personal finance.

In the theoretical part will be devoted to banking in the Czech republic and current account as the product and services related. The practical part will focus on selection of several bank institutions and description their range of accounts. Tree segments of client will be selected and determined standardized hypothetical client in selected segments. Aim of the thesis is comparison of fees and charges of the bank institutions and determination of the best option.

This bachelor work points to the possibility of using new alternative socio-economic systems, which could be in the future one of the solutions to the current problems of the state but also the global economy. The main theme of the work is closer to the definition of an unconditional basic income theory, an explanation of the nature and evaluation of the pros and cons in its application to practice in the Czech republic.

This diploma thesis deals with the debt crisis in the Euro Area. Thesis describes debt crisis in the eurozone in general and then crises in five most affected states - Portugal, Italy, Ireland, Greece and Spain. In addition there will be compared economic structures and macroeconomic indicators of two selected euro area countries - Spain and Italy. Thesis also contains a chapter in which opinions are expressed by several international and Czech economists. Opinions of economists in the world on the causes, consequences and possible solutions to the crisis are often diverge.

The main goal of this Diploma Thesis is to create a strategic analysis of ABC Pojištění s.r.o. - to make external and internal analysis. And on the basis of this strategic analysis define changes that will improve the position of the company - such changes that will improve sales, market share and profit of the company.

The aim of this thesis is to describe and compare selected life insurance products provided by the best known insurance agencies, highlight the complexity of these products, point out the differences in their insurance terms and give a try to assess the degree of divergence in relation to the client. The theoretical part deals with general principles of life insurance, explains each insurance risk and defines the many benefits that these products bring to the customers. Marginally, this thesis also argues over the ethics of selling life insurance products and financial interests of insurance brokers on these products.

The object of the Diploma thesis is the analysis of mortgage loan parameters on the Czech market, their subsequent comparison and evaluation of the most advantage variants of housing financing. The thesis also deals with the conditions of mortgage loans providing. The comprarison is made on the most significant providers of mortgage loans, who have controlled in the long term 90 % of the market. Within the Diploma thesis is compared five mortgage products offered by Hypoteční banka, a. s., Česká spořitelna, a. s., Komerční banka, a. s., Raiffeisenbank, a. s. a UniCredit Bank, a. s. For analysis was compiled form that includes parameters, basic interest rates and charges for mortgage loans. The parameters are obtained from external and internal bank materials and structured interviews with mortgage specialists. The evaluation of products is used to assess the flexibility, complexity and costs of particular product. I find Hypotéka České spořitelny to be the most comprehensive and flexible product. The lowest interest rates offer Komerční bank with Hypoteční úvěr Plus and UniCredit Bank with Hypoteční úvěr Individual, the highest interest rates has Hypoteční banka with Hypoteční úvěr do 100 %. Hypotéka Klasik offered by Raiffeisenbank is the charges most gentle, the most demanding on charges is Hypoteční úvěr do 100 % offered by Hypoteční banka. The most advantageous mortgage loan can't be unequivocally evaluated. It depends on whether the client prefers the lowest repayment or the most comprehensive and flexible product by which is possible, for example, pay the extraordinary instalment.

This thesis focuses on environmental taxes and their gradual introduction in the Czech Republic within the ecological tax reform. The work mentions the history of environmental policy in the European Union, implementation and harmonization processes in the whole community in the area of ecology. Briefly touches on the objectives and principles of environmental protection that the European Union has set out the current environmental taxes and charges in the individual Member States. Among EU countries, details the history of the introduction of environmental taxes in Denmark and Sweden. The work is a general view of the reform in the country. Her appreciation and potential impacts of reform.

The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.

The aim of this thesis is to familiarize readers with expanded information of betting industry. Thesis focuses on probability theory, odds and betting strategy in the theoretical part. It discusses the differences between the stone and internet betting and will be explained in terms such as asian handicap, handling charge , bookmaker and many others that are related to sports betting. The practical part will analyze the betting industry knowledge among students of the University of Economics in Prague, Faculty of Management in Jindrichuv Hradec.

The Bachelor thesis will predominantly follow an analysis and evaluation of selected products from e-broker sphere in the Czech Republic and try to asses good sites and absences of the selected e-brokers. The work will also acquaint the reader with the main market on which work will be focused and which is a stock market of the Prague Stock Exchange.

The aim of my bachelor's thesis is an evaluation of income disparity of men and women in the Czech Republic and finding factors related to it. Theoretical part describes the characteristics by which salary differences can be measured. In the practical part, using graphs and tables, I am trying to clarify the influence of education and age of workers, type of employment or place of work to the amount of salary.