IntroductionWhat I often think about

Routes from the praxe.

What I often think about when working with families and businessmen. Life insurance, financial reserve and employer contribution in a clear way and without sales talk.

Life in the Czech Republic6 min

Health insurance for foreigners in the Czech Republic: public or commercial?

Moving to the Czech Republic, studying here or extending your stay? An overview of when you belong to public health insurance, when you need a commercial policy and what to ask before signing.

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Practical Guide4 min

OSVČs, sickness and maternity: where to start the financial plan

An overview for visitors who want to distinguish between drains, doses and their own reserve. Choose an article and follow-up calculation according to their situation.

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Maternity and family finance7 min

Maternity self-employed persons 2026: sickness insurance, conditions and amount of the PPM

The sickness insurance of the OSVČ, the conditions of the maternity and orientation level of the PPM in 2026 Financial reserve and consultation: Ostrava, Olomouc, Prague, Brno and online.

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Start of business5 min

How to create an OVČ and prepare finance for the first months

The trade license is a start, not the whole plan. What to prepare before the first ban, how to separate the money and why to think about the reserve.

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Taxes and budgets5 min

The tax base of the HOUSE is not the same as the household money

Turnover, tax spending and account money are three different views, how not to confuse them in budgeting and financial planning.

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Accounting5 min

Accounting, tax records and overview of the money of the self-employed

Running documents is not the same as knowing how much you can pay. Differences between tax records, accounting and own financial statements.

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A self-employed person and employment5 min

PERSONAL versus EMPLOYMENT: do not compare only the amount on paper

Invoicing is not a net wage. The comparison includes operation, holiday, hospital, reserve and the way of financing the old age.

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Insurance6 min

Why do I want the insurance to have everyone who has a home number

A common injury can change life, as I think about protecting income, health assessments and insurance amounts depending on the situation of the family.

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Financial plan5 min

Two axes: the time and property you build

Every financial goal has a deadline. Insurance helps protect the way to it when life doesn't develop according to plan.

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Insurance5 min

A product I hope I'll never need.

Life insurance is not an investment, it is worth time, peace and protection of the family when something unexpected comes.

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Taxes7 min

What really reduces the tax base

Overview of tax deductions, common product limits on age and employer contribution. Tax savings are to be bonus, not the basis of the plan.

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Entrepreneurs3 min

The company owner is not an employee

The personal finances of an entrepreneur cannot be dealt with in the same way as that of an employee.

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Companies4 min

Company insurance: property is not just a building

It's your cash flow and calm. Supporting or missing coverage of the traffic interruption may jeopardize everything.

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Family4 min

A phone you don't want as a financial advisor ever to get

Why life insurance is not just a product, but a key protection of the family in the hardest time.

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Entrepreneurs3 min

Why is it that few company owners think about retirement like that?

Employer's contribution to saving for old age as a tax-deductible cost also for company owners.

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