I am your
Financial uncertainty. Indecision. Worry. Debts. Disputes in the family over money … Enough is enough. I can take the weight off your shoulders.
My name is Jaroslav Gall, EFA, and I am your mortgage adviser and asset manager.
Claude Monet, impressionist artist
We deal with many events related to money in life. From housing acquisition, through business financing, to loans for the purchase of equipment, cars and household items. Sometimes everything is easy, other times not. During my practice, I have dealt with many unsolvable and intricate situations where clients were driven into a corner and did not get help anywhere. Read what we managed to solve together. Maybe you’ll see yourself when reading their situation.
Mirek, Blanka and their three children have been living in Prague for years. They knew the apartment they wanted to buy well, as they rented it from the owner, who later agreed to sell it to them. Mirek and Blanka have Slovak citizenship and permanent residence, which meant that most Czech banks viewed them as foreigners, even though most Czech people think of Slovaks as are our “brothers”. Another complication was that the land was owned by somebody different (not the landlord who had agreed to sell it to them. In fact, the land was owned by 3 completely different people …
Patrik called me to say that he would like a mortgage of 6 million, ideally for 100% of the value of the property, so that he would be left with a reserve for furniture and other expenses. At the meeting, I found out that he had already paid the developer a non-refundable deposit of 100 thousand without discussing the mortgage agreement with anyone. He thought there would be enough time to earn the money, as the construction would take two years, and he had enough income as a capable JAVA programmer. But he did not realize that, as a self-employed person, banks rate creditworthiness much worse, because they do not calculate the turnover, but the amount of the tax base! And suddenly, the joy of owning a house almost became a loss of 100 thousand.
Richard and I met at hockey. We happened to get stuck into what I do for a living. Richard said, “Then I’ll need you, my friend. I want to finally get my loans and credits in order and not pay the crazy interest.” A difficult divorce had financially exhausted him, but his 4 children still had to be fed. The instalments totalled an incredible 74,000.
The whole story was published in Deník, in the article Predátorské úvěrování – v autobazaru dali ženě půjčku s úrokem 40 procent.
I would draw attention to two important financial issues: 1) After revising her portfolio in 2015, including the insurance contract, I recommended Pavle to supplement the coverage for disability and incapacity for work. Unfortunately, she decided that she would rather save on insurance. In August 2017, she was registered as level 3 disabled. She could have been half a million richer and she wouldn’t have faced the following problem …
You can’t choose your parents, but you can choose your husband. Even so, sometimes it doesn’t work out. Ella’s husband struggled with his business for several years until he began to take out more loans, taking loans from one bank to pay off a debt from another. Disagreements between Ella and her alcoholic husband led to divorce and a “legacy” of 200,000 from insurance fraud. Ella had two small children and there was simply no money to provide for them. Plus, where would they live now?
Mrs. Olga and I met at a difficult time – her wallet was bleeding money. Her investment in her business was returning slower than expected (she had an e-shop for cosmetics) and during that period she took out 6 loans (3 used credit cards, 3 consumer loans). Total debt 841,000…
Read current information from the financial world, instructions and recommendations on how to best manage your finances.
Snad každý z nás někdy přemýšlel o investici do nemovitosti. Vyžaduje to však několik dovedností: dobře koupit, umět se postarat o pronájem a mít na to čas nebo umět delegovat. První z těchto dovedností vyžaduje analýzu. Kde je nejlepší poměr cena/výkon? Koupit novostavbu, před rekonstrukcí nebo po rekonstrukci? Neboli jaký má vliv technický stav nemovitosti […]
Rozhovor v České televizi v pořadu Sama doma ze dne 24.2.2022 s moderátorkou Janou Havrdovou (ČT). Host Jaroslav Gall (JG). Text článku je rozšíření pro komplexnější odpovědi. Záznam rozhovoru zde. ČT: Jak právě segment spoření na důchod inflace zasáhla? JG: Drasticky. Tipnete si, kolik je z 1 milionu zapomenuto na spořícím účtu nebo konzervativních fondech […]
Jak se za 18 let workoholismem propracovat k vyhoření, k chronickému únavovému syndromu a invaliditě? Pojďme se podívat na jeden příběh, který může být varováním pro nás všechny, kteří v této době máme náběh na workoholismus… Ve spodní části článku najdete příznaky vyhoření a kolik amerických lékařů ze 100 se cítí vyhořelí. Tipnete si? Z […]
Klesnou daně, jásejte. Halellujah. Ale jen na chvilku. Máme tu totiž dvě zprávy. Ta dobrá je, že se od ledna 2021 zaměstnancům zvedne příjem. O kolik? To najdete v přiložené tabulce. Ta druhá zpráva obvykle už tak dobrá není: bude to stát veřejný rozpočet 130 miliard ročně navíc. Kde budou následně chybět? Hádejte, nám všem. […]
Jak se za 18 let workoholismem propracovat k vyhoření, k chronickému únavovému syndromu a invaliditě? Pojďme se podívat na jeden příběh, který může být varováním pro nás všechny, kteří v této době máme náběh na workoholismus… Ve spodní části článku najdete příznaky vyhoření a kolik amerických lékařů ze 100 se cítí vyhořelí. Tipnete si? Z […]
I offer an introductory consultation and an e-book “How not to live from payout to payout” in the amount of 99 CZK free of charge to all new applicants.
Feel free to contact me with any questions.
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