Det finansiella systemet är nära sammanlänkat med bolånemarknaden, tillgången till finansiering har blivit större och allt fler hushåll väljer att belåna sig. Det medför fördelar med även nackdelar då det finansiella systemet är ytterst känsligt för störningar på bolånemarknaden. Det är även svårt att konstatera vad som menas med en övervärderad bostadsmarknad då olika definitioner ges av olika aktörer. Prisutvecklingen ligger idag över sin långsiktiga trend vilket har gett upphov till spekulation om en eventuell bostadsbubbla. Enligt aktuella utredningar ser dock bostadspriserna ut att ha anpassat sig till nya tillväxtvillkor i form av sjunkande räntenivåer, lägre bostadsbyggande samt ökade hushållsinkomster och anses därmed i stor utsträckning kunna förklaras av fundamentala faktorer.I syfte att förhindra en osund utveckling på kreditmarknaden infördes ett bolånetak och sedan införandet har belåningsgraden för nya lån sjunkit, utöver det har även andelen bolån med belåningsgrad över 85 procent minskat.

Overweight and obesity is currently a major health problem in our dogs all around the world and it is becoming more common each year. There are few studies on the proportion of overweight dogs in Sweden, but it was estimated to be 33% in 2005. Studies in other countries report that between 25-40% of all dogs are overweight. The aim of this study was to survey the animal care for an overweight dog. It was also important to develop a scientifically based advice.

The last years? financial situation has contributed to an increased willingness from the banks to handle risks. The most important risk to cope with is a risk that is related to a customer?s ability to repay loans. Forecasts indicate that in the future, Swedish farmers will be facing profitability challenges, which points to a need to reconsider the banks procedures considering risk management in credit granting for agricultural businesses.Today?s risk management will be given two complements in this study.

This essay aims to explore the possibilities for elderly in nursing homes in Örebro municipality toreceive other treatments besides medication in case of depression or anxiety. Issues associated withthe object in this paper and which are discussed are prevalence of drug usage, opportunities forelderlies to receive other treatments, prevalence of other treatments and the elderlies own power orinfluence over the choice of treatment. The survey has been conducted with questionnaires sent outby post to nurses at every nursing home for elderly in Örebro municipality. The results showed thatdrugs are used extensively when treating depression or anxiety among the nursing home residents,and other treatments are never or only occasionally being discussed at more than half of the nursinghomes in this study. The results also show that reminiscence therapy and problem-solving therapyhas been used occasionally, while alternative therapies are used more frequently.

Background and problem: The financial crisis 2008-2009 came out from an over-optimism among those who took the real estate loans in the U.S., and especially so-called subprime loans. After the 2008 financial crisis, it has become a global uncertainty in the financial market with low growth, and even financial crises in the euro countries have appeared. The real estate industry is a capital-intensive industry where companies have a high leverage to implement their investment. This means they have a larger proportion of debt relative to equity than companies in other industries. As investments require a lot of capital, real estate companies become dependent on having a working relationship with both the banks and the capital market.

A woman is dying of cancer, she refuses to use her walking aid. Because she is embarrassed. This means she can?t leave her house, and her last days become very limited.Why do we act like this?Can the view we have of products adapted for disabled be changed by working with colour, texture, form and materials?There are many products adapted for disabled, the products often have a good function and well developed ergonomic aspects but the visual aspect leaves a lot to wish for. There is neither effort nor money put in to the exterior design of most of these products.A lot of the solutions that are invented for adapted products can be used in design of ?regular? products.Why should we then divide products in to adapted and non-adapted.

The purpose of this study is to examine how the work with young people at home to care and accommodation (HVB) are organized in a municipality outside Karlstad and how the staff perceive emotions in the workplace. The issues that are discussed are based on the concepts of social ties, emotional labor, roles, shame and pride. The number of people who are fleeing in the world is today about 51 million. There has not been this high since World War II. The Swedish Migration Board calculated that about 7,000 of these people were unaccompanied children and came to Sweden in 2014.

The consumption levels in Sweden, Denmark, Finland and Norway have been rising fo r the last decade. Even after the financial crisis of 2008, consumption levels continued their upward trend, regardless of the recession. The explanation seems to be, at least partly, that households tends to increase their debt ratio in order to continue the same standard of living as before in terms of consumption. It is clear, based of our results, that there is a connection between increased consumption and debt ratio for households. And the consequences of allowing loans to finance a sustained or increasing consumption may ultimately be difficult to manage.

We are two students at Malmö Högskola, writing our final essay for obtain our teacher diplomas. On our partner schools, we have been facing but little information about how to invite the parents to collaborate with the school. Our thought is that the schoolwork is favorable to the pupils if both school and home are working together side by side. Therefore, we decided to dig deeper into this matter of how one particular school is working with parental collaboration, to be able to see if their method is useful. This particular school is offering studies in a course form so called family class. Here the pupils can get extra help from remedial teachers and their parents are also invited.

Cancer was the second most common cause of death in Sweden in 2011. As the number of beds in hospitals decreases, numerous severely ill patients receive care at home. This results in family members performing important parts of the caring process. The aim of this study was to describe the caregivers' support needs from healthcare professionals when caring for an adult relative with cancer. A literature review was performed, in which results from empirical studies were reviewed and summarized.

SecRePac is a household appliance that simplifies sorting of packaging such as milk, juice and yogurt containers. By shredding the packages SecRePac reduces its volume uptake both in the home and at the recycling station. This leads to minimization of both transports to the recycling stations and truck transport for emptying the containers at the recycling station.The greenhouse effect deteriorates and becomes worse and worse leading to extreme climate changes and natural disasters such as floods as an example. Carbon dioxide emissions are the major reason for this and at least 30 percent of all these emissions come directly from transports. In the EU carbon emissions has decreased in the past few years.

We travel more nowadays. The increasing travel rate generates greenhouse gases which in the long run cause an increasing number of natural disasters over the world. Car traffic is a major contributor to this development. Out-of-town shopping centres have historically good accessibility for car traffic. This study aims to look into what are the factors that influence the choice of transport mode for dwellers in the outskirts of a town when going to out-of-town shopping centres.

The aim of this study is to investigate what kind of support unaccompanied children needs when arriving in Sweden, according to the staff that is receiving unaccompanied asylum seeking children in Sweden. The method is qualitative and is based on interviews and previous research. The result shows that the main subjects who were of interest from the interviews are elementary need, the support offered, security, ?parental gestalt?, education, leisure, obstacles in the work.All the interviewees describe young people's needs very different when it differs from person to person. The support children receive is the most important factor that unaccompanied children need to be developed and get a better and safer life.

Folkhälsovetenskapligt program.

Previous studies shows that high-intensity aphasia interventiongives better results than intervention that is less intense. This study evaluateda working model at a hospital in Gothenburg which involve related personsin intervention. The model prescribes daily training in the home. The caseseries design study investigated the effect of intervention on auditorycomprehension, impact on participation and examined how the relatedperson judged that communication was affected. Four participants withsevere aphasia received intervention for 16 weeks, 8 of which includedintensive training at home and at the clinic, while 8 weeks only includedclinical intervention.