{"id":5341,"date":"2024-03-25T10:07:31","date_gmt":"2024-03-25T09:07:31","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5341"},"modified":"2025-09-25T19:54:46","modified_gmt":"2025-09-25T17:54:46","slug":"coby-kdyby-aneb-pribeh-o-velkem-snu-ktery-mohl-skoncit-stastne-hned-napoprve","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/03\/25\/coby-kdyby-aneb-pribeh-o-velkem-snu-ktery-mohl-skoncit-stastne-hned-napoprve\/","title":{"rendered":"Coby, kdyby\u2026 aneb p\u0159\u00edb\u011bh o velk\u00e9m snu, kter\u00fd mohl skon\u010dit \u0161\u0165astn\u011b hned napoprv\u00e9."},"content":{"rendered":"

Zuzan\u011b je 23 let a \u017eije sv\u016fj velk\u00fd sen. Bydl\u00ed ve velk\u00e9m m\u011bst\u011b, vyd\u011bl\u00e1v\u00e1 vlastn\u00ed pen\u00edze a u\u017e\u00edv\u00e1 si dobrodru\u017en\u00fd a n\u00e1kladn\u00fd \u017eivot. Je kade\u0159nice, a je moc dobr\u00e1. V\u00a0salonu na lukrativn\u00edm m\u00edst\u011b m\u00e1 pronajat\u00e9 jedno k\u0159eslo. Jej\u00ed stabiln\u00ed klientela se postupn\u011b rozr\u016fst\u00e1, a to ji p\u0159in\u00e1\u0161\u00ed slu\u0161n\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Kone\u010dn\u011b m\u00e1 dost na to, aby si s\u00a0kamar\u00e1dkou dop\u0159\u00e1vala j\u00eddlo v\u00a0luxusn\u00ed restauraci, nakupovala drah\u00e9 zna\u010dkov\u00e9 oble\u010den\u00ed nebo vyrazila na eurov\u00edkend do Pa\u0159\u00ed\u017ee. K\u00a0dokonal\u00e9mu \u0161t\u011bst\u00ed j\u00ed chyb\u00ed u\u017e jen drah\u00e1 zna\u010dkov\u00e1 kabelka. Zuzana ale nechce \u010dekat, a\u017e si na\u0161et\u0159\u00ed. Zajde do banky a po\u017e\u00e1d\u00e1 o p\u016fj\u010dku. Kreditn\u00ed karta j\u00ed jej\u00ed sen spln\u00ed bez \u010dek\u00e1n\u00ed. Te\u010f u\u017e je Zuzana nej\u0161\u0165astn\u011bj\u0161\u00ed pod sluncem. I kdy\u017e to slun\u00ed\u010dko hal\u00ed mraky v\u00a0podob\u011b m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky kreditky s\u00a0nemal\u00fdm \u00farokem. Banka j\u00ed za \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed kreditky nav\u00fd\u0161\u00ed limit. Jednodu\u0161e dostupn\u00e9 pen\u00edze se ale rychle rozkut\u00e1l\u00ed. A kdy\u017e to spl\u00e1cen\u00ed funguje tak jednodu\u0161e, mohla by si na spl\u00e1tky koupit taky auto.<\/strong><\/p>\n

Zuzana m\u00e1 moc hezk\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, ale rovn\u011b\u017e i nemal\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje. Jej\u00ed n\u00e1kladn\u00fd \u017eivot si \u017e\u00e1d\u00e1 i vysokou da\u0148. To, co ka\u017ed\u00fd m\u011bs\u00edc vyd\u011bl\u00e1, sta\u010d\u00ed pouze na pokryt\u00ed v\u0161ech v\u00fddaj\u016f. Na odkl\u00e1d\u00e1n\u00ed stranou a finan\u010dn\u00ed rezervu Zuzana nemysl\u00ed. Nen\u00ed to jej\u00ed styl. \u017dije tady a te\u010f, pouze pro p\u0159\u00edtomn\u00fd okam\u017eik.<\/p>\n

A\u017e do chv\u00edle, kdy se p\u0159i in-line bruslen\u00ed potk\u00e1 s\u00a0rychlej\u0161\u00edm cyklistou. V\u0161e se seb\u011bhne tak rychle, \u017ee ani nedok\u00e1\u017ee popsat, co se stalo. Zaj\u00ed\u017ed\u00ed k\u00a0lavi\u010dce, kdy\u017e se kolem n\u00ed pro\u017eene mlad\u00edk na kole. I kdy\u017e stihne zareagovat a vyhnout se, Zuzana se lekne a p\u0159i p\u00e1du naraz\u00ed loktem na tvrd\u00fd asfalt. Pak u\u017e vn\u00edm\u00e1 jen ostrou bolest v\u00a0prav\u00e9 ruce a chlad. Cyklista u\u017e je d\u00e1vno pry\u010d, kdy\u017e po p\u00e1r minut\u00e1ch doraz\u00ed z\u00e1chrann\u00e1 slu\u017eba. Ale Zuzan\u011b to p\u0159ipad\u00e1 jako cel\u00e1 v\u011b\u010dnost. P\u0159evezou j\u00ed na traumatologii, kde rentgen odhal\u00ed dvojn\u00e1sobnou zlomeninu lokte. Operace trv\u00e1 v\u00edc ne\u017e hodinu. Ruka je zas\u00e1drovan\u00e1 a zafixovan\u00e1 na 6 t\u00fddn\u016f. Pak za\u010dnou rehabilitace.<\/p>\n

Zuzana zpo\u010d\u00e1tku nemysl\u00ed na nic jin\u00e9ho, jen na to, kdy u\u017e ta bolest pomine. A\u017e kdy\u017e se j\u00ed tro\u0161ku ulev\u00ed, za\u010d\u00ednaj\u00ed ji doch\u00e1zet dal\u0161\u00ed souvislosti jej\u00edho zran\u011bn\u00ed. Jako osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1 si plat\u00ed pouze povinn\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed, dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed ale nem\u00e1. To znamen\u00e1, \u017ee kdy\u017e kv\u016fli \u00farazu nem\u016f\u017ee vyd\u011bl\u00e1vat, od st\u00e1tu nedostane po dobu jej\u00ed \u201eneschopnosti pracovat\u201c \u017e\u00e1dn\u00e9 pen\u00edze. Tak\u017ee jej\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je rovn\u00fd nule.<\/p>\n

 <\/p>\n

Mutumutu rad\u00ed:<\/em><\/p>\n

Kdy\u017e pracujete jako OSV\u010c, ide\u00e1ln\u00ed kombinac\u00ed je dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s\u00a0poji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti. Obzvl\u00e1\u0161\u0165 mlad\u00e9 podnikatelky, kter\u00e9 pl\u00e1nuj\u00ed v\u00a0budoucnu zalo\u017een\u00ed rodiny, mate\u0159skou a rodi\u010dovskou dovolenou, by m\u011bly o dobrovoln\u00e9m nemocensk\u00e9m poji\u0161t\u011bn\u00ed uva\u017eovat. Nemocensk\u00e9 od st\u00e1tu v\u00e1m pokryje jen \u010d\u00e1st p\u0159\u00edjmu. Na dorovn\u00e1n\u00ed chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu je ide\u00e1ln\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu. Za ka\u017ed\u00fd m\u011bs\u00edc va\u0161\u00ed pracovn\u00ed neschopnosti v\u00e1m vyplat\u00ed pln\u011bn\u00ed, kter\u00e9 nahrad\u00ed v\u00e1\u0161 pravideln\u00fd p\u0159\u00edjem z\u00a0podnik\u00e1n\u00ed. T\u00edm v\u00e1m odpadnou starosti s placen\u00edm pravideln\u00fdch z\u00e1vazk\u016f a vy se m\u016f\u017eete bez stresu dol\u00e9\u010dit.<\/em><\/p>\n

 <\/p>\n

Jen co Zuzanu propust\u00ed z\u00a0nemocnice, zasedne doma s\u00a0kalkula\u010dkou a po\u010d\u00edt\u00e1, jak je na tom. Kreditka vy\u010derpan\u00e1 do posledn\u00ed koruny, banka ji dal\u0161\u00ed pen\u00edze nep\u016fj\u010d\u00ed. Na \u00fa\u010dtu jen minim\u00e1ln\u00ed z\u016fstatek a dal\u0161\u00ed p\u0159\u00edjem v\u00a0nedohlednu. Na situaci jako je tato nen\u00ed v\u016fbec p\u0159ipraven\u00e1, nem\u00e1 \u017e\u00e1dn\u00e9 pen\u00edze bokem, po kter\u00fdch by te\u010f mohla s\u00e1hnout. Nezb\u00fdv\u00e1, ne\u017e si p\u016fj\u010dit u rodi\u010d\u016f a zn\u00e1m\u00fdch.<\/p>\n

Po 6 t\u00fddnech l\u00e9\u010den\u00ed a nevyd\u011bl\u00e1v\u00e1n\u00ed je ruka vysvobozen\u00e1 ze s\u00e1dry a za\u010d\u00edn\u00e1 rehabilitace. I kdy\u017e se ruka pomalu zlep\u0161uje, Zuzana ji v\u00a0lokti st\u00e1le neohne natolik, aby byla schopn\u00e1 svou pr\u00e1ci d\u011blat tak, jako p\u0159ed \u00farazem. Nedok\u00e1\u017ee klientku kvalitn\u011b ost\u0159\u00edhat a vyfoukat. Po vynd\u00e1n\u00ed dr\u00e1t\u016f ji nav\u00edc \u010dek\u00e1 je\u0161t\u011b dal\u0161\u00ed rehabilitace. K\u00a0pr\u00e1ci a p\u0159\u00edjmu se tak dostane nejd\u0159\u00edve po \u010dty\u0159ech m\u011bs\u00edc\u00edch!<\/p>\n

Jen\u017ee za pronajat\u00e9 k\u0159eslo v\u00a0sal\u00f3nu mus\u00ed podle smlouvy platit, i kdy\u017e ho nevyu\u017e\u00edv\u00e1. Stejn\u011b tak mus\u00ed zaplatit n\u00e1jem v\u00a0pronajat\u00e9m byt\u011b, spl\u00e1cet vy\u010derpanou kreditku bance a ani leasingovka ji se spl\u00e1tkami za auto nepo\u010dk\u00e1. Te\u010f u\u017e Zuzanu nep\u00e1l\u00ed bolest lokte, ale jej\u00ed neschopnost dost\u00e1t sv\u00fdm finan\u010dn\u00edm z\u00e1vazk\u016fm. Finan\u010dn\u00ed rezervu nem\u00e1 \u017e\u00e1dnou, proto\u017ee dote\u010f nev\u011b\u0159ila, \u017ee ji bude n\u011bkdy pot\u0159ebovat. To hor\u0161\u00ed ji je\u0161t\u011b jen \u010dek\u00e1.<\/p>\n

 <\/p>\n

Mutumutu rad\u00ed: <\/em><\/p>\n

Sladk\u00fd pocit prvn\u00edch vlastn\u00edch vyd\u011blan\u00fdch pen\u011bz l\u00e1k\u00e1 sp\u00ed\u0161e k\u00a0jejich utr\u00e1cen\u00ed ne\u017e \u0161et\u0159en\u00ed. Je ale dobr\u00e9 za\u010d\u00edt s\u00a0odkl\u00e1d\u00e1n\u00edm na hor\u0161\u00ed \u010dasy co nejd\u0159\u00edve. Kdy\u017e nem\u00e1te \u017e\u00e1dnou, nebo jen velmi malou finan\u010dn\u00ed rezervu, je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed tou nejlep\u0161\u00ed z\u00e1chranou vestou. Za relativn\u011b n\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 z\u00edsk\u00e1te v\u00a0krizov\u00e9 situaci bez prodlen\u00ed finan\u010dn\u00ed pomoc, kter\u00e1 nahrad\u00ed v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem a vy bez probl\u00e9mu zvl\u00e1dnete poplatit v\u0161echny va\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fddaje.<\/em><\/p>\n

P\u0159i spr\u00e1vn\u00e9m nastaven\u00ed m\u016f\u017ee pojistn\u00e9 pln\u011bn\u00ed pokr\u00fdt ve\u0161ker\u00e9 va\u0161e v\u00fddaje a va\u0161e finan\u010dn\u00ed rezerva v\u00e1m z\u016fstane na jin\u00e9 ne\u010dekan\u00e9 katastrofy, kter\u00e9 poji\u0161t\u011bn\u00edm kryt\u00e1 nejsou. \u010casem m\u016f\u017eete sn\u00ed\u017eit pojistn\u00e9 \u010d\u00e1stky podle toho, kolik ji\u017e m\u00e1te na\u0161et\u0159eno. P\u0159i v\u00fdpadku p\u0159ijmu kv\u016fli nemoci \u010di \u00farazu pak chyb\u011bj\u00edc\u00ed p\u0159\u00edjem pokryjete z\u00a0vlastn\u00ed rezervy v\u00a0kombinaci s\u00a0pojistn\u00fdm pln\u011bn\u00edm.<\/em><\/p>\n

Kdy\u017e se v\u00a0budoucnu va\u0161e situace zm\u011bn\u00ed, v\u00e1\u0161 p\u0159\u00edjem poroste nebo si vezmete p\u016fj\u010dku, uprav\u00edte i pojistn\u00e9 \u010d\u00e1stky a pojistn\u00e1 rizika ve va\u0161\u00ed pojistce. <\/em><\/p>\n

 <\/p>\n

Zuzana si uv\u011bdom\u00ed, \u017ee kdy\u017e nic neud\u011bl\u00e1, jej\u00ed dluhy narostou je\u0161t\u011b v\u00edc. S\u00a0t\u011b\u017ek\u00fdm srdcem pou\u0161t\u00ed lukrativn\u00ed k\u0159eslo v\u00a0centru m\u011bsta a ukon\u010duje smlouvu se sal\u00f3nem. Na zaplacen\u00ed dluhu si p\u016fj\u010d\u00ed od rodi\u010d\u016f. Ukon\u010duje pron\u00e1jem v\u00a0byt\u011b, kde u\u017e 2 m\u011bs\u00edce nezaplatila za n\u00e1jem. Ze slo\u017een\u00e9 kauce neuvid\u00ed nic, proto\u017ee ji majitel bytu pou\u017eije na pokryt\u00ed doposud nezaplacen\u00e9ho n\u00e1jemn\u00e9ho. Auto j\u00ed zabav\u00ed leasingovka a na dluh na kreditce si s\u00a0bankou domluv\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159.<\/p>\n

 <\/p>\n

Mutumutu rad\u00ed:<\/em><\/p>\n

A jak by to vypadalo, kdyby m\u011bla Mutumutu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/em><\/strong><\/p>\n

Mutumutu poji\u0161\u0165uje to nejd\u016fle\u017eit\u011bj\u0161\u00ed \u2013 pracovn\u00ed neschopnost<\/a>, invaliditu<\/a> v\u0161ech t\u0159\u00ed stup\u0148\u016f a smrt<\/a>. Tedy v\u0161echny situace, kdy je ohro\u017een v\u00e1\u0161 pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Na \u00farazy se neuplat\u0148uje \u010dekac\u00ed doba, tak\u017ee jsou kryt\u00e9 od prvn\u00edho dne poji\u0161t\u011bn\u00ed. Kdyby m\u011bla Zuzana sjednan\u00e9 Mutumutu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s\u00a0rizikem pracovn\u00ed neschopnosti, zvl\u00e1dla by spl\u00e1cet sv\u00e9 m\u011bs\u00ed\u010dn\u00ed z\u00e1vazky i p\u0159i v\u00fdpadku pravideln\u00e9ho p\u0159\u00edjmu. D\u00edky pojistn\u00e9mu pln\u011bn\u00ed by zaplatila n\u00e1jem bytu i k\u0159esla, spl\u00e1tku na kreditce i auto a dal\u0161\u00ed v\u00fddaje na \u017eivobyt\u00ed.<\/em><\/p>\n

 <\/p>\n\n\n\n\n
Zuzanin m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem<\/strong><\/td>\nkdy\u017e vyd\u011bl\u00e1v\u00e1<\/strong><\/td>\nkdy\u017e je nemocn\u00e1 a nevyd\u011bl\u00e1v\u00e1<\/strong><\/td>\n<\/tr>\n
<\/td>\n64\u00a0500\u00a0K\u010d<\/td>\n0\u00a0K\u010d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n
Zuzaniny v\u00fddaje<\/strong><\/td>\nkdy\u017e vyd\u011bl\u00e1v\u00e1<\/strong><\/td>\nkdy\u017e je nemocn\u00e1 a nevyd\u011bl\u00e1v\u00e1<\/strong><\/td>\n<\/tr>\n
Pron\u00e1jem bytu<\/td>\n-21\u00a0000\u00a0K\u010d<\/td>\n-21\u00a0000\u00a0K\u010d<\/td>\n<\/tr>\n
Pron\u00e1jem k\u0159esla v salonu<\/td>\n-16\u00a0500\u00a0K\u010d<\/td>\n-16\u00a0500\u00a0K\u010d<\/td>\n<\/tr>\n
Spl\u00e1tka kreditky<\/td>\n-2\u00a0200\u00a0K\u010d<\/td>\n-2\u00a0200\u00a0K\u010d<\/td>\n<\/tr>\n
Spl\u00e1tka auta<\/td>\n-11\u00a0800\u00a0K\u010d<\/td>\n-11\u00a0800\u00a0K\u010d<\/td>\n<\/tr>\n
Ostatn\u00ed v\u00fddaje<\/td>\n-13\u00a0000\u00a0K\u010d<\/td>\n-8\u00a0500\u00a0K\u010d<\/td>\n<\/tr>\n
V\u00fddaje celkem<\/strong><\/td>\n-64\u00a0500\u00a0K\u010d<\/strong><\/td>\n-60\u00a0000\u00a0K\u010d<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Pojistn\u00e9 pln\u011bn\u00ed od Mutumutu ve v\u00fd\u0161i 60\u00a0000 korun ka\u017ed\u00fd m\u011bs\u00edc by Zuzan\u011b hrav\u011b pomohlo pokr\u00fdt v\u0161echny jej\u00ed v\u00fddaje, a to v\u010detn\u011b n\u00e1klad\u016f na l\u00e9\u010dbu a rehabilitaci zlomen\u00e9ho lokte.<\/em><\/p>\n

 <\/p>\n

Jen\u017ee Zuzana \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> nem\u011bla. Neradostn\u011b skon\u010dil jej\u00ed kr\u00e1sn\u00fd sen o \u017eivot\u011b ve velk\u00e9m stylu. Neochotn\u011b se vr\u00e1tila k\u00a0rodi\u010d\u016fm a po \u00fapln\u00e9m uzdraven\u00ed za\u010dala op\u011bt pracovat jako kade\u0159nice. D\u00edky bydlen\u00ed u rodi\u010d\u016f se j\u00ed poda\u0159ilo sn\u00ed\u017eit n\u00e1klady na \u017eivot a brzy splatit v\u0161echny sv\u00e9 dluhy. Zuzana je v\u0161ak bojovnice a jen nerada se vzd\u00e1v\u00e1 sv\u00fdch sn\u016f.<\/p>\n

\u010casem se op\u011bt vrac\u00ed do velk\u00e9ho m\u011bsta. Op\u011bt si pronaj\u00edm\u00e1 k\u0159eslo v\u00a0lukrativn\u00edm sal\u00f3nu a men\u0161\u00ed byt. Na jin\u00e9 finan\u010dn\u00ed z\u00e1vazky je opatrn\u00e1. M\u00e9n\u011b utr\u00e1c\u00ed a v\u00edce si ukl\u00e1d\u00e1 bokem. Pou\u010den\u00e1 \u017eivotem si sjedn\u00e1v\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu. Proto\u017ee v\u00ed, jak\u00e9 p\u0159ekvapen\u00ed m\u016f\u017ee \u017eivot ne\u010dekan\u011b nab\u00eddnout. A a\u017e za p\u00e1r let bude Zuzana kv\u016fli bolav\u00fdm z\u00e1d\u016fm op\u011bt m\u011bs\u00edce doma, bez probl\u00e9mu zvl\u00e1dne spl\u00e1cet sv\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje i bez p\u0159\u00edjmu z\u00a0podnik\u00e1n\u00ed, proto\u017ee Mutumutu jej\u00ed chyb\u011bj\u00edc\u00ed p\u0159\u00edjem dorovn\u00e1.<\/p>\n

 <\/p>\n

Mutumutu rad\u00ed:<\/em><\/p>\n

Abyste i vy pokryli v\u0161echny sv\u00e9 v\u00fddaje p\u0159i pracovn\u00ed neschopnosti, je d\u016fle\u017eit\u00e9 spr\u00e1vn\u011b nastavit pojistnou \u010d\u00e1stku. M\u011bjte na pam\u011bti, \u017ee zde neplat\u00ed rovnice \u201ekolik si plat\u00edm, tolik dostanu\u201c. Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti je \u0161kodov\u00e9 poji\u0161t\u011bn\u00ed. To znamen\u00e1, \u017ee kryje pouze vzniklou \u0161kodu. Tak\u017ee kdy\u017e je v\u00e1\u0161 pr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed v\u00fdd\u011blek 35\u00a0000 K\u010d, nepoji\u0161\u0165ujte se na 50\u00a0000 K\u010d m\u011bs\u00ed\u010dn\u011b. Poji\u0161\u0165ovna p\u0159i \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti v\u017edy zji\u0161\u0165uje v\u00e1\u0161 re\u00e1lny pr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. U podnikatel\u016f nej\u010dast\u011bji podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed za minul\u00fd rok. V\u00e1\u0161 p\u0159\u00edjem mus\u00ed b\u00fdt v\u017edy \u0159\u00e1dn\u011b prok\u00e1z\u00e1n. Tak\u017ee pokud nem\u00e1te da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, co\u017e je \u010dast\u00e9 u OSV\u010c v\u00a0pau\u0161\u00e1ln\u00edm re\u017eimu dan\u011b, m\u016f\u017eete se pojistit max. na takovou \u010d\u00e1stku, p\u0159i kter\u00e9 nen\u00ed p\u0159\u00edjem pot\u0159eba dokazovat. V\u00a0Mutumutu je to 15\u00a0000 m\u011bs\u00ed\u010dn\u011b. Pokud byste se pojistili na vy\u0161\u0161\u00ed p\u0159\u00edjem, kter\u00fd nem\u016f\u017eete poji\u0161\u0165ovn\u011b prok\u00e1zat, plat\u00edte si zbyte\u010dn\u011b drah\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 nikdy nevyu\u017eijete.<\/em><\/p>\n

 <\/p>\n

Chci Mutumutu<\/a><\/div><\/span><\/a><\/p>\n

 <\/p>\n

Mutumutu je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 by nem\u011blo chyb\u011bt \u017e\u00e1dn\u00e9mu za\u010d\u00ednaj\u00edc\u00edmu podnikateli i zam\u011bstnanci, zvl\u00e1\u0161t\u011b t\u011bm, kte\u0159\u00ed je\u0161t\u011b nemaj\u00ed \u017e\u00e1dnou nebo dostate\u010dn\u011b vysokou finan\u010dn\u00ed rezervu na neo\u010dek\u00e1van\u00e9 krizov\u00e9 situace. Mutumutu si sjedn\u00e1te snadno sami on-line a b\u011bhem p\u00e1r minut. A pak u\u017e se m\u016f\u017eete soust\u0159edit na sv\u00e9 podnik\u00e1n\u00ed nebo radosti \u017eivota s\u00a0pocitem, \u017ee Mutumutu v\u00e1m kryje z\u00e1da.<\/p>\n","protected":false},"excerpt":{"rendered":"

Zuzan\u011b je 23 let a \u017eije sv\u016fj velk\u00fd sen. Bydl\u00ed ve velk\u00e9m m\u011bst\u011b, vyd\u011bl\u00e1v\u00e1 vlastn\u00ed pen\u00edze a u\u017e\u00edv\u00e1 si dobrodru\u017en\u00fd a n\u00e1kladn\u00fd \u017eivot. Je kade\u0159nice, a je moc dobr\u00e1. V\u00a0salonu na lukrativn\u00edm m\u00edst\u011b m\u00e1 pronajat\u00e9 jedno k\u0159eslo. Jej\u00ed stabiln\u00ed klientela se postupn\u011b rozr\u016fst\u00e1, a to ji p\u0159in\u00e1\u0161\u00ed slu\u0161n\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Kone\u010dn\u011b m\u00e1 dost na to, …<\/p>\n","protected":false},"author":49,"featured_media":5342,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,5],"tags":[],"class_list":["post-5341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zivotni-styl"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5341","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=5341"}],"version-history":[{"count":5,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5341\/revisions"}],"predecessor-version":[{"id":5556,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5341\/revisions\/5556"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5342"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5341"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5341"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5341"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}