Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

The financial crisis in 2008, effected companies around the globe and forced them to change their operational strategies, in order to survive. Companies with international links needed to consider external effects and due to that adapt their strategies on a global level. Demands for goods and service were decreasing and companies could only manage the cost during a recession to not face bankruptcy. Organisations need to reconsider their optimal strategy as this will determine their future outcome when managing a crisis as the one in 2008. British Airways - Air Cargo is a global company with an international network which serves about 80 countries, with about 200 destinations.

The rise in prevalence and severity of obesity and related diseases imposes increasing costs on society. The objective of this thesis is to discuss and estimate the possible effects of a so-called fat tax as a tool for minimizing these costs. Two alternatives for differentiation of the value-added tax (VAT) on food are compared. The first alternative is an increase of the VAT levied on food containing saturated fatty acids. The second alternative is a subsidy on fruit and vegetables in the form of a VAT at zero percent, instead of today?s twelve percent.

This master thesis is an early concept development project about using plastic films and sheets as materials for shaping openings for Tetra Pak packages. It is also a technical introduction highlighting the areas of importance for the development of plastic film and sheets openings. The master thesis has been carried out as a co-operation between Chalmers University of Technology, KTH Royal Institute of Technology and Tetra Pak AB.The master thesis study presents an introduction that gives an understanding of the technical complexities and design possibilities of using thin plastic films and sheets in liquid carton openings. The knowledge is then transferred into five design concepts which points out the areas of opportunity. The technical introduction is widespread and extensive covering current packing trends, the liquid carton package and openings, thermoplastic material properties, and thin film and sheet manufacturing and shaping.

Title: The role of social media on today?s markets ? Companies? desire to understand theircustomersAuthors: Kristoffer Avci-Nåmark & Patrik WidlundBackground: The markets of today are characterized by dynamic conditions because of thecontinuous change in consumer preference. Due to this, the interaction between the company and its consumers is gaining importance as companies find the need to increase their knowledge about the market. Out of this need social media has emerged as a tool forcompanies to improve their communication with customers. The popularity of social media isincreasing at a rapid rate and sites such as Facebook now has around 500 million usersworldwide.

The aim of the study is twofold, to generate a sensory profile of Swedish wine today and to investigate the opinion of both wine producers and wine experts on viticulture in Sweden and wine from grapes grown in Sweden, achieved through a contextual analysis comprising a literature study and interviews with wine producers in Sweden and Denmark and wine experts from Sweden and Germany, and a sensory analysis at the company Ipsos. ?Mixed methods? was the chosen research strategy as the semi-structured interviews gave qualitative results and the sensory analysis would give quantitative results displayed as spider charts. There is a lack of studies investigating how the Swedish wine is perceived by consumers and consumers might be unaware that the Swedish wine, established through ?trial and error?, is increasing in quality every season, creating a need to display the sensory profile of Swedish wine to strengthening the perception of Swedish white wine. This study shows that the Swedish white wine today is a wine with a fresh, citrusy and flowery aroma and a fresh, citrusy and green apple taste, however, a sensory analysis cannot show if the attributes are those that are desired by the customer, a consumer test is necessary to conclude that. Trends point towards locally produced products, one reason why Swedish wine has great potential, yet the future needs to be secured through job opportunities and education. Creating an approval system for Swedish wine is suggested as a future improvement, it is a common procedure in most wine regions.

The number of people of getting allergic symptoms is increasing and the reasons are considered to be many. The human have changed their habits and spend more time indoor. In combination with new building technologies where denser housing constructions and new materials this causes bad indoor climate contributes to a higher occurrence of allergiesThere are several courses of action to deal with this problem. One action is by choosing allergy-free interior surface materials. An allergy-free material emits low concentrations of harmful substances resulting in a great indoor air quality.

Denna studie har behandlat ämnet konsumentkultur och vår studie har undersökt hur företaget Nudie jeans Co?s kultur angående hållbarhet tas emot och efterlevs av deras jeansköpare. Den metod som valts för vår studie är intervjuer med jeansköpare samt en representant från Nudie. För att få en förståelse kring konsumentkultur har en teoretisk referensram byggts upp kring McCrackens (1986) modell angående ämnet. Denna modell tar upp olika begrepp kring hur konsumentkultur överförs från företag till enskild konsument, samt vilka instrument som används för att göra detta.

One of the main objectives of all food production is to produce foods that can safely beconsumed without fear of being sick. Despite this hundreds of people are affected in Sweden offood poisoning almost every day. Most cases are caused by a small group of so-called pathogenicmicroorganisms. The most frequently affected are the small children, the elderly, persons withreduced resistance and pregnant. The reasons behind the food poisoning are often ignorance andlack of food hygiene.

SNA Europe?s handsaw concept is called ?Bahco Handsaw System? and is constituted by a saw handle with the possibility to switch between different saw blades. The sales of ?Bahco Handsaw System? products have not achieved the desired results probably due to the high price. Developing a more cost efficient handle, enabling a lower consumer price of the product, is assumed to increase the sales volume.

Syfte: Vi vill ta reda på vad som gör ett varumärke i modebranschenstarkt, samt hur ett företag bör agera för att åstadkomma det.Metod: Vi har använt oss av en kvalitativ ansats och har genom sjupersonliga intervjuer samlat in vårt empiriska material. Genom enabduktiv metod har vi undersökt om empiri och teoriöverensstämmer. Vi har sedan utgått från vår frågeställning ochfört en diskussion.Slutsatser: För att skapa ett starkt varumärke inom modebranschen är detviktigt att vara konsekvent i sitt uttryck. Produkten ochvarumärkesidentiteten måste samspela, även då produkten förnyas,och identiteten måste vara tydlig för konsumenten att minnas.Företagen kan påverka konsumenten genom kommunikation, ochPR har en betydande roll för hur varumärket presenteras i media.Den grafiska identiteten blir varumärkets kostym utåt och ensymbol för densamma. För att skapa ett starkt modevarumärke börvarumärket och produkten vara i linje med varandra och konstantförändras tillsammans.Purpose: We want to find out what makes a fashionbrand strong and how abusiness should act to achive that.Method: We have used a qualitative approach and have collected ourempiric data through seven personal interviews.

SammanfattningMiFID, direktiv om marknader för finansiella instrument är ett nytt europeiskt regelverk för den finansiella sektorn som träder i kraft den 1: a november 2007. Direktivet syftar till att förstärka konkurrenskraften för den finansiella sektorn, förbättra konsumentskyddet samt inkludera hela utbudet av finansiella tjänster och produkter. Då MiFID: s införlivande i svenska lag försenades fick de svenska värdepappersföretagen under 2007 en relativt kort tidsperiod på sig att anpassa sina verksamheter till de nya bestämmelserna. Syftet med denna uppsats är att undersöka vilka svårigheter tre svenska värdepappersföretag erfarit vid arbetet med att anpassa deras verksamheter till de nya bestämmelserna i MiFID. Vi har studerat direktivet och jämfört med nuvarande regleringar samt genomfört fyra intervjuer, varav tre med svenska värdepappersföretag av varierande storlek.

Berättelser och historier har sedan urminnes tider förtrollat och fängslat människor. Förr itiden samlades människor runt lägerelden för att ta del av berättelser, idag samlasmänniskor runt varumärken. Det förflutna, nuet och framtiden binds samman till ettsammanhängande process genom historier, istället för att vara lösryckta delar av ettsammanhang.Uppsatsens syfte var att undersöka varför storytelling inom marknadsföring är såframgångsrikt hos konsumenten. Vi ville få en förståelse över vad som fårkonsumenten att uppskatta denna sortens reklamform. Vår problemfråga ochutgångspunkt genom uppsatsen har varit:· Varför är storytelling i marknadsföring så framgångsrikt hos konsumenter?För att klarlägga begreppet ur flera synvinklar har vi varit i kontakt med konsumenter ifrom av fokusgrupper samt med experter inom storytelling och självaste reklambranschen.Vi har valt dessa tre intressegrupper för att få olika perspektiv urkonsumentens synvinkel.

Som slutkonsument är det inte alltid lätt att förstå varför en butik erbjuder ett visst produktsortiment och kunderna har sällan insyn i vad som styr och påverkar dagligvaruhandelns utbud av varor. Uppsatsen syftar till att ta reda på hur butiker resonerar när de väljer sina leverantörer och vilka faktorer som styr deras val. Studien är baserad på en kvalitativ undersökning där personer från fem ICA-butiker i Uppsalaområdet har intervjuats. ICA AB är landets dominerande grossist med inriktning på livsmedel och detaljhandel varför enbart ICA-butiker har tagits med i undersökningen. De valda butikskategorierna är ICA Supermarket och ICA Nära där alla använder sig av samma huvudgrossist och kompletterar sitt sortiment med varor från andra leverantörer. På så sätt kan de anpassa sitt varuutbud efter sin butiksprofil.