The general consensus is that the gap between the Swedish variable mortgage rate and the repo rate has increased over the last years. Although the Riksbank in recent times has cut its base rate, many banks have chosen either to leave the interest rate on variable mortgages unchanged, or they did reduce it but by less points than the reduction in the repo rate. The linear relationship between the repo rate and the variable mortgage rate has changed over the last decade and the mortgage margins these days are relatively high. This can somewhat be explained by the new rules introduced in the bank sector requiring banks to increase liquidity and equity. Since mortgage loans play an important role in banks? lending business it is of interest to gain knowledge in whether a repo rate reduction latterly has generated a limited affect on the banks lending rates..

The aim of this essay was to describe and analyse the use of snuff as a social activity. By accomplishing eight qualitative interviews with snuff-users I wanted to get a glimpse into their relationship to the snuff and find out in which situations and frames of mind the snuff-use alter. I also wanted to find out if age, class or gender has any affect in snuff-using. The interviews were analysed in a sociological perspective with help from Erving Goffmans and Joseph Gusfields ideas, among others. I found out that each snuff-user creates his own rituals and routines, but there are factors in daily life, which can change the use of snuff.

Hydrotherapy is a relatively new area when it comes to treatment and prevention of different problems in dogs, but an area that is growing in popularity. In Sweden, the person who performs hydrotherapy on dogs doesn?t need veterinary education, which is the case in some other countries. What makes hydrotherapy advantageous is that water has an ability to provide an environment where injured body parts can be supported, which means that rehabilitation can start early without the risk of affecting the injury and in the same time relieve the pain for the patient. There are only a few studies of hydrotherapy on dogs and these studies focus on the physical health of the dog.

Business valuation is something that is carried out on a daily basis and relevant to both small and large businesses. Valuations are often long and complex processes that may be difficult to understand, even for those who have received an education in the field. In this thesis, we try to create a better understanding of how this process works.   Since we are aware of many aspects of the theory behind business valuation, but very little insight into the practical activities, we have chosen a deductive approach, i.e. to go from theory to empirical data.   The conclusion is that the methods presented in the theory is largely used in practice, and that the process of valuation mighty seldom differ between valuations. For the seller to be able to charge a higher value for their companies, it is important to have knowledge of, and review the value-creating factors in the company.

This qualitative study investigated what factors influenced older adults to motivate themselves to continue to be pshysical active in their later life. Six individuals, both men and women in the ages of 65-89, were interviewed. The interviews were analysed by informal content analysis. The results showed that there is a certain group who had a strong will to lead a long, well-conditioned and sound life. Although, the seniors are getting older, they continue to make active choices about physical activity on a daily basis.

To understand the modern leadership you have to gain a lot of experience to attain the right competence through which you are able to know what kind of leadership is most suitable to use in the current situation. Leaders agree that every kind of leadership is more or less successful depending on the situation and different organizational factors, for example the co-workers and the environment. Every leader should have a strong willpower and driving force to bring motivation to the organization and to make it more efficient. Another quality that represents a modern leader is the ability to lead and divide the co-workers and the organizations different strengths. The organizational communication is an important factor of how you, as a leader, answer to your co-workers and also how you will be received.

Many studies have been conducted of different types of business networks in recent years. Despite this, there is a lack of research concerning industry-transcending formal networks which are limited to a specific region. We have conducted a case study of Örebro Promotion, which is an industry-transcending network including over 500 members. Örebro is a medium-sized city in the middle of Sweden. The purpose with our study is to create an understanding of why enterprises choose to be a part of the network and what they feel is the gain of their membership.

This thesis deal with tick burden on roe deer (Capreolus capreolus) fawns, in relation to age, weight, hind foot length, and as well as to vegetation and habitat on bed sites. Roe deer fawns (N = 25) were captured from May 27 to June 27. Samples of ticks were collected and tick burden were estimated. Of all sampled ticks the nymphs and adults were Ixodes ricinus, while the larvae were not identified. 4.4 % of the sampled ticks were larvae, 55.0 % nymphs, 26.8 % adult females, and 13.8 % adult males.

The purpose of this master thesis is to evaluate how the current share price and market consensus affect security analysts target price and if an investor should pay any attention to it. Empirical data is primarily collected from qualitative interviews with ten security analysts but also from a quantitative e-mail survey. Our main finding is that security analysts are indeed affected by each others earnings forecasts as well as the current share price. This is not strange, it is in several aspects rational. Security analysts has often nothing to gain by standing out too much and not either by spending too much time trying to create their own opinions due to lack of time or the complexity of what is analyzed.

During the 19th centaury Liverpool was an industrial city of great magnitude owing to the well-established communication and infrastructure in the area. During the 1950?s the industry decrease swiftly - and although Liverpool as a city gain interest as a result of the sensation of the Merseybeat and The Beatles - the reduction continued through the 70?s and during the 80?s the people of Liverpool suffered from great unemployment. Today Liverpool is a post-industrial city with a growing experience economy that mainly benefits from The Beatles tourism and the Merseybeat-era. The focus of these studies is the experience economy in Liverpool as a result of globalization and production in the late modernity.

The aim of this project was to develop a product which gives one or more objects of daily use an additional function. Thru the creativity of children the object shall transform into a new source for play for pre-school children.The purpose of this work was to research how fantasy and free play of children could be enhanced. I wanted to know how I can motivate children to use their fantasy transforming objects into new sources for play.This was achieved by means of developing a number of different prototypes which I tested in Kindergarden. My observations lead to the development of a cloth-wrap for the chair which provides the required source for ongoing role-play. The chair suddenly transforms into a new landscape and multi-purpose object where children?s fantasy is stimulated and creative play is supported..

The goal of this paper is to examine whether the introduction of a qualifying day in the use of sick insurance in the Swedish welfare system resulted in an increase in the use of parental benefits as substitute to avoid the qualifying day. We believe that this could be the case because of the higher gain from the welfare system. We use OLS to perform a linear regression from a data set from the data base LINDA during 1991-1996. The results in this paper are that there is a significant increase in the parental benefit after the reform although there is a negative trend for parental benefit during the examined period..

Product placement isn´t a new concept, matter of fact it has existed for almost hundred years. On the other hand to use TV-series as a marketing channel for product placement is a present vogue for brands and companies to reach the right target audience. Through product placement in TV-series companies are available to get away with the problem that people zapping commercials. Our purpose with the thesis is to have increased comprehension about TV-series as a channel for product placement considering effect against different target audience, products and brands. For this study we applied a qualitative approach and did six depth interviews with different people to gain several viewpoints.

In this paper we analyze a social network specifically designed for the elderly, people with Dementia and people with generally low computer experience. This is a relatively unexplored use for such software, and our goal is to find out whether the technique to be used is simple enough to use for the intended user group, and generally how the whole situation is experienced by the users. To achieve this we conducted an expert evaluation and interviewed a number of users at two separate occasions during their first weeks with Modernfamilies. We came to the conclusion that this software generally is simple enough to use for the intended target group. Some of the users we came in contact with experienced the software as a positive addition to their daily lives, while some could not see any reason for a further use.

Mobile technology is developing quickly and becomming a part of daily life and communication. Bluetooth Low Energy is presented as a new way of mobile interaction. However there are not enough studies in this field on the interaction between mobile devices and the physical world. In order to understand user needs, and to encourage users to interact, we simulated an interaction process through designing and testing a prototype in a specific indoor environment. Prototype effectiveness and main characteristics for future mobile application was evaluated through a qualitative user study with 20 participants who interacted with our prototype..