Rozhovor s Mgr. Krist\u00fdnou Messnerovou, finan\u010dn\u00ed poradkyn\u00ed spole\u010dnosti Favour Finance.<\/strong><\/p>\n

<\/p>\n

Krist\u00fdno, jste maminkou na pln\u00fd \u00favazek, pe\u010dujete o 2 d\u011bti na mate\u0159sk\u00e9, a p\u0159esto st\u00e1le pracujete. Jak\u00fd je v\u00e1\u0161 recept k tomu, jak skloubit rodinu s profesn\u00ed realizac\u00ed? Mus\u00ed \u010dlov\u011bka pr\u00e1ce bavit?<\/strong><\/span><\/p>\n

Na tohle univerz\u00e1ln\u00ed recept asi neexistuje. Ka\u017ed\u00fd \u010dlov\u011bk m\u00e1 jin\u00e9 priority, mo\u017enosti a vlastn\u00ed hranice, v\u00a0\u017eivot\u011b se d\u00e1 zvl\u00e1dnout v\u0161e, kdy\u017e \u010dlov\u011bk chce. Mus\u00ed pr\u00e1ce bavit? P\u0159edev\u0161\u00edm v pracovn\u00ed sf\u00e9\u0159e je velk\u00e9 \u0161t\u011bst\u00ed d\u011blat pr\u00e1ci, kter\u00e1 je z\u00e1rove\u0148 kon\u00ed\u010dkem a \u010dlov\u011bka bav\u00ed. Ani mi to nejde p\u0159es jazyk, naz\u00fdvat poradenstv\u00ed slovem pr\u00e1ce. Od za\u010d\u00e1tku jsem do toho \u0161la, proto\u017ee mi poradenstv\u00ed d\u00e1valo smysl, p\u0159ipadalo mi zaj\u00edmav\u00e9 a nev\u0161edn\u00ed. Vid\u011bla jsem v\u00a0tom velk\u00fd c\u00edl \u2013 pom\u00e1hat lidem, \u0161et\u0159it jejich pen\u00edze a t\u00edm vlastn\u011b i \u010das. Tak jsem to cht\u011bla zkusit ve sv\u00e9m voln\u00e9m \u010dase a dosud to vlastn\u011b z\u016fstalo m\u00fdm kon\u00ed\u010dkem, a z\u00e1rove\u0148 i zp\u016fsobem odreagov\u00e1n\u00ed.<\/p>\n

Co pro v\u00e1s osobn\u011b znamen\u00e1 pracovat ve Favour Finance?<\/strong><\/span><\/p>\n

Favour pro m\u011b znamen\u00e1 p\u0159\u00edle\u017eitost, svobodnou v\u016fli. Obecn\u011b mi splnil smysl m\u00e9ho \u017eivotn\u00edho c\u00edle, a posl\u00e1n\u00ed \u2013 pom\u00e1hat lidem. A\u010dkoliv m\u011b nikdy nenapadlo, \u017ee budu pom\u00e1hat pr\u00e1v\u011b v\u00a0tomto oboru. Favour Finance mi dal \u00a0\u0161anci d\u011blat poradenstv\u00ed tak, jak ho vid\u00edm j\u00e1, s\u00a0up\u0159\u00edmnost\u00ed a tak, jak mi to p\u0159ipad\u00e1 spr\u00e1vn\u00e9. T\u00edm m\u00e1m na mysli vlo\u017eit do spolupr\u00e1ce s\u00a0klienty srdce. M\u00e1me nekone\u010dn\u00e9 mo\u017enosti, vzd\u011bl\u00e1v\u00e1n\u00ed, velkou oporu, z\u00e1zem\u00ed a d\u00edky tomu mohu poskytovat poradenstv\u00ed profesion\u00e1ln\u011b a s\u00a0\u010dist\u00fdm p\u0159esv\u011bd\u010den\u00edm, up\u0159\u00edmnost\u00ed a srdcem na dlani. V\u0161e bez rozkaz\u016f, strachu, v\u00e1zanosti a z\u00e1vislosti a to je ta svoboda a dar. D\u011blat pr\u00e1ci jinak, b\u00fdt odli\u0161n\u00ed. V tom c\u00edt\u00edm velkou v\u00e1hu a smysl. Za filosofii spole\u010dnosti Favour Finance jsem opravdu vd\u011b\u010dn\u00e1 a nesm\u00edrn\u011b si j\u00ed v\u00e1\u017e\u00edm.<\/p>\n

Jak sama vn\u00edm\u00e1te slu\u017ebu finan\u010d\u00edho poradce?<\/strong><\/span><\/p>\n

Slu\u017eba finan\u010dn\u00edho poradce m\u00fdma o\u010dima: poradce = kamar\u00e1d, intervent, rodinn\u00fd p\u0159\u00edtel, \u010dlov\u011bk, kter\u00e9ho si klient v\u00e1\u017e\u00ed a za vz\u00e1jemn\u00fd vztah je vd\u011b\u010dn\u00fd. Ten, kter\u00fd bude v\u017edycky v\u00a0seznamu t\u011bch, na kter\u00e9 se klient obr\u00e1t\u00ed. Moji klienti v\u00ed, \u017ee v\u017edycky \u0159\u00edk\u00e1m \u201ekdykoliv, cokoliv a beze studu a pochybnost\u00ed\u201c. Pochopiteln\u011b nemohu b\u00fdt v\u017edy a v\u0161ude, ale sna\u017e\u00edm se s\u00a0klienty b\u00fdt alespo\u0148 tak, jak to jen jde. Poradit nav\u00e9st, pomoci. Pokud se finan\u010dn\u00ed poradenstv\u00ed d\u011bl\u00e1 tak, jak ho vn\u00edm\u00e1m j\u00e1, ani zdaleka nen\u00ed jen o financ\u00edch, ale sah\u00e1 do mnoha dal\u0161\u00edch sf\u00e9r. Proto v\u017edy v\u0161e d\u011bl\u00e1m tak, jako bych to d\u011blala pro sebe samou a tud\u00ed\u017e s\u00a0velk\u00fdm p\u0159esv\u011bd\u010den\u00edm, \u017ee je to to nejlep\u0161\u00ed. Klient by m\u011bl vn\u00edmat sch\u016fzku s\u00a0osobn\u00edm poradcem ne jako nutn\u00e9 zlo a ve skrytu du\u0161e\u00a0j\u00edt sch\u016fzku p\u0159e\u017e\u00edt, ale m\u011bl by m\u00edt v\u00a0mysli pocit klidu, t\u011b\u0161it se, zastavit se a c\u00edtit oporu a s\u00edlu.<\/p>\n

Osobn\u011b se sna\u017e\u00edm b\u00fdt v\u017edy empatick\u00e1 a up\u0159\u00edmn\u00e1, proto\u017ee jen \u010dist\u00e1 empatie a up\u0159\u00edmnost dok\u00e1\u017e\u00ed nemyslet na to, co by se mohlo pokazit, ale na cesty a zp\u016fsoby, jak by se to mohlo pov\u00e9st. V\u00a0dne\u0161n\u00ed dob\u011b jsou neomezen\u00e9 mo\u017enosti a po\u010dty poradc\u016f. Ka\u017ed\u00fd je jin\u00fd a klient m\u00e1 volbu se rozhodnout a vybrat si sv\u00e9ho poradce, kter\u00fd dle m\u00e9ho nemus\u00ed ve vz\u00e1jemn\u00e9m vztahu s\u00a0klientem d\u011blat nic jin\u00e9ho, ne\u017e b\u00fdt t\u00edm, k\u00fdm opravdu je, s\u00e1m sebou, a jen tak bude vztah harmonick\u00fd, dlouhodob\u011b funguj\u00edc\u00ed.<\/p>\n

Pohybujete se v oblasti Ji\u010d\u00ednska. \u0158ekla byste, \u017ee je tato oblast n\u011b\u010d\u00edm specifick\u00e1 oproti jin\u00fdm kraj\u016fm v republice?<\/strong><\/span><\/p>\n

Specifi\u010dnost Ji\u010d\u00edna? Je to p\u0159eci tak\u0159ka \u010cesk\u00fd r\u00e1j \u2013 srdce \u010cech. Ze zku\u0161enost\u00ed, kter\u00e9 m\u00e1m, moji klienti jsou v\u00a0p\u0159ev\u00e1\u017en\u00e9 v\u011bt\u0161in\u011b z\u00a0Ji\u010d\u00ednska, ale i z\u00a0jin\u00fdch kraj\u016f. T\u011b\u017eko se mi specifikuj\u00ed zvl\u00e1\u0161tnosti na\u0161\u00ed oblasti, ka\u017ed\u00fd \u010dlov\u011bk je individu\u00e1ln\u00ed, a\u010dkoliv oblast, ve kter\u00e9 \u017eije, ho bezpochyby ovliv\u0148uje. Z m\u00e9ho pohledu jsou na Ji\u010d\u00ednsku o n\u011bco ni\u017e\u0161\u00ed p\u0159\u00edjmy, ne\u017e v\u00a0jin\u00fdch v\u011bt\u0161\u00edch m\u011bstech, co\u017e ovliv\u0148uje spoustu dal\u0161\u00edch mo\u017enost\u00ed. Paradoxem je, \u017ee ve srovn\u00e1n\u00ed s\u00a0jin\u00fdmi kraji, jsou tu i pom\u011brn\u011b vy\u0161\u0161\u00ed ceny nemovitost\u00ed, co\u017e n\u011bkdy m\u016f\u017ee zt\u00ed\u017eit cestu za vysn\u011bn\u00fdm bydlen\u00edm.<\/p>\n

Jste zn\u00e1m\u00e1 svoj\u00ed specializac\u00ed na hypot\u00e9ky. Jak sama vn\u00edm\u00e1te aktu\u00e1ln\u00ed situaci na hypote\u010dn\u00edm trhu?<\/strong><\/span><\/p>\n

R\u00e1da \u010del\u00edm v\u0161em v\u00fdzv\u00e1m a je pro m\u011b d\u016fle\u017eit\u00e9, aby moji klienti v\u011bd\u011bli, \u017ee pokud maj\u00ed pocit, \u017ee n\u011bco opravdu nejde, tak se na m\u011b maj\u00ed obr\u00e1tit a v\u017edy cestu najedeme. Ka\u017ed\u00fd p\u0159\u00edpad je pro m\u011b velkou v\u00fdzvou, s\u00a0probl\u00e9my p\u0159ich\u00e1z\u00ed p\u0159\u00edle\u017eitost a adrenalin. O to v\u011bt\u0161\u00ed odm\u011bnou je pro m\u011b to, kdy\u017e najdeme cestu a spole\u010dn\u00fdmi silami dojdeme k\u00a0vysn\u011bn\u00e9mu c\u00edli.<\/p>\n

M\u00e1m pocit, \u017ee sou\u010dasn\u00e1 situace na trhu je tro\u0161ku nevyzpytateln\u00e1, o \u010dem\u017e jsme se mohli p\u0159esv\u011bd\u010dit v\u00a0leto\u0161n\u00edm roce. Snad nen\u00ed klient, kter\u00fd by necht\u011bl zn\u00e1t m\u016fj pohled na fixaci \u00farokov\u00e9 sazby. V\u00a0leto\u0161n\u00edm roce nastal \u010das na \u201erefixi\u201c hypote\u010dn\u00edch \u00fav\u011br\u016f z\u00a0p\u0159ede\u0161l\u00fdch let, ve kter\u00fdch byly \u00faroky na historick\u00e9m minimu, tud\u00ed\u017e je velmi t\u011b\u017ek\u00e9 prosadit a vyjednat klientovi sazbu co nejpodobn\u011bj\u0161\u00ed t\u00e9, kterou m\u011bl doposud. Oproti tomu se nemovitosti po\u0159\u00edzen\u00e9 p\u0159ed lety moment\u00e1ln\u011b daj\u00ed prodat s\u00a0v\u00fdd\u011blkem. M\u016f\u017eeme se jen domn\u00edvat z\u00a0dostupn\u00fdch informac\u00ed, jak se situace bude vyv\u00edjet d\u00e1l, zda opravdu \u00farokov\u00e9 sazby budou stoupat mnohem v\u00fd\u0161e a jak dlouho bude realitn\u00ed trh udr\u017eiteln\u00fd v\u00a0t\u011bchto mez\u00edch.<\/p>\n

Mnoha sv\u00fdm klient\u016fm jste pomohla ke snu o vlastn\u00edm bydlen\u00ed. Vede k n\u011bmu cesta v\u017edy jen p\u0159es hypot\u00e9ku?<\/strong><\/span><\/p>\n

Kdyby v\u0161e bylo tak snadn\u00e9. Trochu jsem to u\u017e nakousla v\u00a0p\u0159edchoz\u00ed odpov\u011bdi. Poskytov\u00e1n\u00ed poradenstv\u00ed beru jako kompletn\u00ed proces, tud\u00ed\u017e ned\u011bl\u00e1m rozd\u00edly v\u00a0tom, zda sjedn\u00e1v\u00e1me prvn\u00ed povinn\u00e9 ru\u010den\u00ed nebo x t\u00fd klient\u016fv produkt. A\u010d n\u011bkdy klienti \u201ezvl\u00e1\u0161\u0165 ti poradenstv\u00edm nepol\u00edben\u00ed, \u010di naopak ti s\u00a0nep\u0159\u00edjemn\u00fdmi zku\u0161enostmi\u201c p\u0159ich\u00e1z\u00ed s\u00a0po\u017eadavkem na jednu v\u011bc, tak v\u00a0moment\u011b, kdy se pozn\u00e1me a nav\u00e1\u017eeme vz\u00e1jemnou d\u016fv\u011bru, klienti procitnou a zjist\u00ed, \u017ee se v\u016fbec nemus\u00ed ni\u010deho b\u00e1t. \u017de jim chci jen uk\u00e1zat jinou cestu, jak vkl\u00e1dat pen\u00edze pouze do efektivn\u00edch produkt\u016f, kter\u00e9 maj\u00ed smysl. Je pouze na nich, zda tou cestou budou cht\u00edt j\u00edt. Hypot\u00e9ka nikdy nen\u00ed jen hypot\u00e9kou samotnou. Bezpodm\u00edne\u010dnou sou\u010d\u00e1st\u00ed hypote\u010dn\u00edho \u00fav\u011bru je zaji\u0161t\u011bn\u00ed jak nemovitosti, tak klienta sam\u00e9ho. S\u00a0poradenstv\u00edm se poj\u00ed i spousta jin\u00fdch proces\u016f a slu\u017eeb, kter\u00e9 nejsou v\u017edy pro poradce samoz\u0159ejmost\u00ed. J\u00e1 d\u011bl\u00e1m v\u011bci kompletn\u011b a chci m\u00edt v\u0161e pod kontrolou, b\u00fdt t\u00edm, kdo m\u00e1 p\u0159ehled nad cel\u00fdm procesem. Klienti do m\u011b vkl\u00e1daj\u00ed velkou d\u016fv\u011bru, p\u0159ed\u00e1vaj\u00ed odpov\u011bdnost na m\u011b, a tak je nesm\u00edm zklamat.<\/p>\n

Jak\u00e9 jsou va\u0161e dal\u0161\u00ed pracovn\u00ed \u010di osobn\u00ed c\u00edle?<\/strong><\/span><\/p>\n

Ka\u017ed\u00fd \u010dlov\u011bk by m\u011bl o n\u011b\u010dem sn\u00edt a n\u011bco si p\u0159\u00e1t, plnit si mal\u00e9 i velk\u00e9 c\u00edle a sny. M\u00edt jich mnoho, aby ho mal\u00e9 zakopnut\u00ed neslo\u017eilo na kolena. Ka\u017ed\u00e1 prohra byla v\u017edy mo\u017enost\u00ed odrazit se o to v\u00edc. \u010c\u00edm v\u00edc p\u0159ek\u00e1\u017eek \u010dlov\u011bk p\u0159ekon\u00e1v\u00e1, t\u00edm je siln\u011bj\u0161\u00ed. V\u00a0pracovn\u00ed sf\u00e9\u0159e jsem po p\u00e1r letech za\u010dala sn\u00edt o t\u00fdmu, r\u00e1da u\u010d\u00edm a vedu lidi. V\u00edm, \u017ee budovat t\u00fdm stoj\u00ed spousta sil, \u010dasu a zku\u0161enost\u00ed. Mysl\u00edm, \u017ee pr\u00e1v\u011b tam je ten z\u00e1klad nejd\u016fle\u017eit\u011bj\u0161\u00ed pro dal\u0161\u00ed rozvoj a fungov\u00e1n\u00ed t\u00fdmu se zdrav\u00fdm j\u00e1drem.<\/p>\n

V\u00edm, \u017ee m\u00fdm \u017eivotn\u00edm c\u00edlem, posl\u00e1n\u00edm a smyslem byt\u00ed bylo a je prost\u011b pom\u00e1hat lidem. Nikdy m\u011b nenapadlo, \u017ee t\u00edm oborem pom\u00e1h\u00e1n\u00ed by mohlo b\u00fdt finan\u010dn\u00ed poradenstv\u00ed. M\u011bla jsem n\u011bjak\u00e9 \u017eivotn\u00ed sny, ale \u017eivot m\u011b zavedl a\u017e sem. T\u00edm nechci \u0159\u00edci, \u017ee jsem skeptick\u00e1 v\u00a0my\u0161len\u00ed do budoucna, stoj\u00edm si za sv\u00fdmi \u017eivotn\u00edmi jistotami, a pe\u010duji o n\u011b, ale \u017eiju \u017eivot te\u010f a tady. T\u011b\u017eko \u0159\u00edci, jak se v\u00a0budoucnu zase zam\u00edchaj\u00ed karty. R\u00e1da bych ur\u010dit\u011b neuh\u00fdbala z\u00a0cesty psychoterapie a intervence, ale bezpodm\u00edne\u010dn\u011b m\u00fdm nejvy\u0161\u0161\u00edm c\u00edlem je cesta za zdrav\u00edm m\u00fdm a m\u00fdch nejbli\u017e\u0161\u00edch, spokojen\u00fd klidn\u00fd domov, rodina a rodinn\u00e9 \u0161t\u011bst\u00ed. To je nejcenn\u011bj\u0161\u00ed, co \u010dlov\u011bk v\u00a0\u017eivot\u011b m\u00e1.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Rozhovor s Mgr. Krist\u00fdnou Messnerovou, finan\u010dn\u00ed poradkyn\u00ed spole\u010dnosti Favour Finance.<\/p>\n","protected":false},"author":4,"featured_media":2949,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":""},"categories":[37],"tags":[],"_links":{"self":[{"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/posts\/2946"}],"collection":[{"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/comments?post=2946"}],"version-history":[{"count":3,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/posts\/2946\/revisions"}],"predecessor-version":[{"id":2951,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/posts\/2946\/revisions\/2951"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/media\/2949"}],"wp:attachment":[{"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/media?parent=2946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/categories?post=2946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/favourfinance.cz\/wp-json\/wp\/v2\/tags?post=2946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}