Month: June 2019

How You Can Spend a Holiday without Insurance?


Are you traveling abroad this year and are you thinking of paying for travel insurance? We know how much medical care will come out without him and the towing of a car.

Who is entitled to a special workload allowance?



Do you work in an environment that is very strenuous to the psyche? Do you endanger your health at work? In that case, you will be entitled to a special supplement. What is its height and who is entitled to it?

What do students need to find a summer job?


Summer holidays are at the door and during this period, many students are looking for a summer job. However, they should know a few things before they go online on the Internet.

How to achieve your work?


We finished school and started work. For most, it is a bit disappointing, almost everything we expect is almost never met. But we go to work and we have a goal ahead of us. How to achieve it, what path to choose and how to suffer as few injuries as possible?

How to calculate holiday pay


Many people often think that they have a normal pay during their holiday. What is a holiday pay compensation and how is it calculated?

In Australia, the hourly minimum wage is over CZK 300



The minimum wage is introduced not only in most EU Member States but also in the USA, Canada and Japan. The minimum wage in Australia is even more than 300 CZK per hour. In the US, the minimum wage varies from country to country.

The average wage in the Czech Republic increased to CZK 32,466 and the median to CZK 27,582



Wages in the Czech Republic are growing and this is reflected in the average wage. What is its current value? Why is it growing? And how many people reach the average wage? How do we compare with the EU and our neighbors?

Will credit card travel insurance be sufficient for your holiday?



Together with the upcoming holiday season, the demand for travel insurance is also increasing. This is widely offered for payment cards. But is it enough for a classic holiday? What does it cover? And what are his pluses and minuses?

What to do if you want to get a replacement paycheck from the employment office? 22.05.2019 | Editors


It can happen to anyone, and it’s definitely not pleasant – your employer has for some reason found himself insolvent and stopped paying his wages. How to proceed in such a situation? Contact your employment office. The chances of at least partially satisfying your claims are relatively high. However, one very basic and then a few side conditions must be fulfilled.

Who is the best paid hockey player?



Who is the best paid Czech at the World Hockey Championship? Jakub Voracek or Michael Frolik? And who is the best-paid Russian, Slovak, Swede or American?

When can an employer leave an employee on vacation?


Do you think you are entitled to a holiday and no one can take it from you? That’s what you’re wrong with. The employer can not only refuse you a holiday, but even recall it from you.

How is wage compensation calculated for holiday after sickness?



The monthly holiday pay is calculated from the average earnings in the previous quarter. However, lower income in the previous quarter due to illness does not have a negative impact on the calculation of holiday pay. To put it simply, this period is excluded in the calculation.

What you should know when you are on call



Has your employer come to you to take your on-call duty? And can he even afford it? What should you know about on-call time before you get on it?

What is the difference between a meal voucher and a meal plan?



Meals and meal tickets are definitely not the same. What is the difference between them and when is one or the other entitled? In addition, can you be “knocked” on both?

What breaks are included in working hours?



The work break is for many employees the most popular moment of the job. But is your employer reimbursing you, or do you spend free time with it?

How much will students and pensioners save on traveling in the summer?

money loan


Are you a student or a pensioner and are you planning to travel a lot in the Czech Republic or abroad during the summer? In that case, we have good news for you. Traveling for you this summer will be record cheap.

Should I apply for a loan with months of grace?

Luna wants to apply for a loan to buy a new living room set and a new kitchen. She used the Horry family consumer credit comparator and found the best option. He requested the loan and when he spoke with the advisor, he offered him the possibility of having some “free” months, that is, not paying his fee. Luna wonders if such a wonder will be true or if there will be dust hidden under the carpet.

Well, here we have the answer for Luna. When they offer us a consumer, vehicle, university or mortgage loan, they also offer us a thousand benefits or options that apparently paint our lives in colors. However, unless we have the right information, we could be painting our financial future black.


“Loans with up to six months of grace” or “Do not pay a fee in December”

“Loans with up to six months of grace” or “Do not pay a fee in December”

Are some of the messages that financial institutions usually use to offer the months of grace. But what are they? They refer to those fees that the client may not pay, that is, in the agreed months, the user will not make the normal payment of his fee.

Now, not everything is happiness in these options. Something that we must be clear about is that the banking institution is not going to lose money, so it is not really that you are not paying, but that you are postponing it for a month. So far so good, right? But what they did not tell you is that the interests continue to run and add to the capital owed, so you do not pay a fee but what you will pay will be the interest and these will be added to the total of your debt. This operation is repeated every time you enter a month of grace.


When should the months of grace be accepted?

When should the months of grace be accepted?

When you know that really that month you will be in a difficult situation and you will not be able to cancel the fee, so assuming the cost of interest becomes a better option than falling behind, since it does not affect your score with the financial institution.

We must bear in mind that the months of grace are not “months free of payment”, but an option to consider when we know in advance that in some period of time we will not be able to cancel the credit quota.

Luna has to think about this and see what months are the ones that offer her grace. If she knows she won’t have problems canceling the monthly fee then the recommendation is not to pay extra interest for the pure ones.

If, like Luna, you want to obtain a consumer loan, the Horry family comparator shows you the market options, interest rates and calculates how much your monthly installment would be in two steps.

Together in money

As the name of credit organization Samen in Geld may already suggest, this organization offers a platform on which investors and borrowers are brought together. In recent years, more and more such platforms have appeared on the internet. This is due in part to the fact that banks are less and less willing to provide loans to consumers. This makes it more difficult to get enough credit for the purchase of a new car, the renovation of your home, and so on. Not only for borrowers is Samen voor Geld interesting, it is also for investors

Investors earn an increasingly lower return on their savings.

money cash

The interest rate is limited on the bank and a high return is often not the case with investments in shares or bonds. By choosing Together in Money you can still earn a nice return on your savings, without running a particularly high risk. You choose, for example, which project you want to invest and projects are inspected before they are actually offered to investors. You earn on your loan due to the interest costs that borrowers pay you on a monthly basis.

The operation of Samen in Geld is relatively simple. You can create a personal account on the website of this organization, both as a borrower and as an investor.

With your personal account you can immediately add new projects to the platform, in which investors can then invest.

money coins

Keep in mind that Together for Money is completely dependent on the number of investors that have joined the network. When the number of investors is limited, it can be difficult to gather enough financial resources to complete this goal.

Otherwise, investors will be able to invest with their account in the various projects that are offered on the website. You can read more information about a project in advance so that you know where you are investing. Based on this data and the target amount of the borrowers who have added the project, you can make an investment. Pay attention to the duration of the loans when selecting your projects. After all, you have lost the money you invested for the term of this loan and you can not withdraw your investment from a project in the meantime.

Want to know more about Together in Money?

Are you curious whether a platform such as Samen in Geld is also something for you, as a borrower or a lender? On the website of this organization you will find more information about the precise operation of the platform. Read the instructions carefully in advance so that you do not end up with unpleasant surprises. For borrowers, it is important to realize that it is not possible to take out continuous loans with Samen in Geld. This can be explained by the fact that Together in Money is completely dependent on the loans made available by lenders. For a revolving credit you can go to various other lenders.