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Lecturer(s)
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Bílková Linda, PhDr. Ph.D.
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Dirga Martin, Ing. DiS.
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Course content
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1 .Financial literacy, its components and integration into primary and secondary school curricula; the financial literacy standard. 2. Money, its functions and development; the banking system and the role of the Czech National Bank. 3. Household income, expenditure, assets and liabilities; budgeting, financial reserves and financial planning. 4. Percentages, simple and compound interest, the time value of money, inflation and real returns. 5. Current accounts, payment transactions and digital banking; payment security and personal data protection. 6. Saving and investing; the relationship between return, risk, liquidity and investment horizon; diversification. 7. Loans, the annual percentage rate of charge (APR) and repayment; responsible borrowing, the risks of over-indebtedness, debt enforcement and insolvency. 8. Insurance, social security and the pension system; management of personal and property risks. 9. Wages, basic tax and social security contribution considerations, and their impact on the household budget. 10. Consumer rights, contracts and complaints; unfair practices, financial fraud and disinformation. 11. Working with calculators, data and reliable sources; critical comparison of financial products. 12. Didactics of financial education: model situations, problem-solving tasks, differentiation, assessment and reflection. 13. Design, implementation and reflection on a short financial education activity for primary or secondary school students.
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Learning activities and teaching methods
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Seminar classes, Seminar
- Presentation preparation (report) (1-10)
- 10 hours per semester
- Contact hours
- 26 hours per semester
- Preparation for formative assessments (2-20)
- 40 hours per semester
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| prerequisite |
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| Knowledge |
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| For this course is a prerequisite for secondary education. |
| Skills |
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| use the skills acquired in the secondary school curriculum |
| Competences |
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| N/A |
| N/A |
| N/A |
| N/A |
| learning outcomes |
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| Knowledge |
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| get information on the history of financial mathematics and finance |
| controls on the basis of new knowledge of the pros and cons of each type of principal interest |
| can opt for the right type of savings available funds |
| means the income category, can select a suitable alternative pension guaranteed by the State and individual retirement |
| knows the different types of loans among citizens and among others subjekty |
| knows how to buy stocks, monitor their development rate and revenue per share |
| is familiar with the concept obligace, can decide on their purchase and sale |
| knows how to buy bonds and are able to calculate their income objective |
| knows how to secure stable revenues and expenditures |
| Skills |
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| recognizes freely tradable shares |
| determines the yield of individual financial products |
| can calculate different types of loans to repay loans |
| can use different types of interest in everyday situations |
| Competences |
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| N/A |
| teaching methods |
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| Knowledge |
|---|
| Seminar |
| Seminar classes |
| Skills |
|---|
| Seminar classes |
| Seminar |
| Competences |
|---|
| Seminar |
| Seminar classes |
| assessment methods |
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| Knowledge |
|---|
| Test |
| Skills demonstration during practicum |
| Skills |
|---|
| Test |
| Skills demonstration during practicum |
| Competences |
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| Test |
| Skills demonstration during practicum |
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Recommended literature
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aktualne.centrum.cz/finance/.
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student.finance.cz/.
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www.finance.cz/.
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www.financninoviny.cz/os-finance/.
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www.mfcr.cz/.
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www.statnisprava.cz/ebe/redakce.nsf/i/finance.
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Bohdanesová, E. Finanční matematika I.
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Cipra, T. Finanční a pojistné vzorce.
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Macháček, Otakar. Finanční a pojistná matematika : úrok a úročení, modely opakovaných plateb, burzovní operace při složeném úročení, pojistné operace. Praha: Prospektrum, 2007. ISBN 80-7175-143-X.
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Prouza, L. Finanční a pojistná matematika.
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Radová, Jarmila; Dvořák, Petr,; Málek, Jiří. Finanční matematika pro každého. Praha: Grada, 2007. ISBN 978-80-247-2233-7.
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Tepper, Tomáš. Peníze a vy. Praha: Prospektrum, 1994. ISBN 80-85431-96-3.
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