Pensionen är en viktig del av en individs framtida liv som mycket väl kan innebära skillnaden mellan ett lyckligt eller miserabelt liv som pensionerad. I vardagen kan vi höra om pensionen och var vi bör vända oss, vare sig det gäller media, affischer eller annan reklam, men vet vi tillräckligt för att kunna pensionsplanera? Denna kvantitativa studie använder sig av data från en norsk enkätundersökning på internet, för att ta reda på vilka faktorer som kan påverka individers pensionsplanering i form av privat sparande. Studien lyckas bekräfta en positiv relation mellan privat sparande och fyra variabler; årsinkomst, åldersgrupp, tankar kring pension samt sysselsättning..

Rental rates and land prices have gone through substantial changes the last two decades. The prices have both gone up and down since 1990 but from 1995 to 2008 land prices increased with 272 percent and rental rates with 61 percent. What factors that have the largest impact on rental rates and land prices are hard to determine but factors that may affect the price are the desire to live in the countryside and the expected profitability in agriculture. Prices of products and inputs are factors that affect the profitability in agriculture, but the profitability is also affected by agricultural policies. The economic for Swedish agriculture have changed several times over the last 20 years as a result of changing agricultural policies.The agricultural policies largely affect farmers behavior and decisions.

Rental rates and land prices have gone through substantial changes the last two decades. The prices have both gone up and down since 1990 but from 1995 to 2008 land prices increased with 272 percent and rental rates with 61 percent. What factors that have the largest impact on rental rates and land prices are hard to determine but factors that may affect the price are the desire to live in the countryside and the expected profitability in agriculture. Prices of products and inputs are factors that affect the profitability in agriculture, but the profitability is also affected by agricultural policies. The economic for Swedish agriculture have changed several times over the last 20 years as a result of changing agricultural policies.The agricultural policies largely affect farmers behavior and decisions.

Buildings worldwide account for 40 % of the total energy use. Climate change is of increasing importance, but few are willing to reduce their standard of living or get a higher cost for the change. Energy efficiency of existing buildings gives the greatest benefit economically and environmentally. The real estate company Klövern AB manages 46 properties in Karlstad. Heating is the major cost of the total operating costs of real estate. Rising energy prices increase the need for Klövern AB to improve energy efficiency and to investigate alternative sources of heat.

The NIPF (Non Industrial Private Forest) owners in Sweden have very differentiated goals and needs with their forest. They have different backgrounds and some of them live at their forest estate while other live in an urban environment, and some are economically dependent on their forest estate while others are not. The heterogeneity among these forest owners creates problems for market actors that want to aim marketing messages to catch their interest. This is the problem background to the task that was provided to us as an investigative masters thesis for us. Their request was a plan for ensuring a successful marketing towards different segments of the NIPF owners. We commenced with a literature study based on market information and previously carried out similar investigations. We summarized the most important market information from the literature and created some hypotheses regarding goals and needs of the NIPF owners.

The purpose of this study is to use a qualitative approach to highlight the western involvement in Thai orphanages and, on basis of Western moral development workers and volunteers, enlighten how Western colonial heritage can be recreated in the humanitarian economic aid.The study is based on the recent tsunami disaster in 2004 which led to a huge voluntary effort by Western volunteers and organizations who wanted to rebuild the country. Now, seven years after the disaster, the country has recovered well and thanks to a strong turism, and industrial growth, the country has now reached the position of a middle income country with regional power.The study presents a selection of previous ressearch in the area from different critical perspectives. It is a field study based on qualitative interviews with six informants that highlights the individual engagment in humanitarian assistance. Theories based on Post-colonialism and globalization have been used in order to analyze and reach the result of this study..

This study aims to disclose how an asymmetric planogram structure of the brand with the highest actual variety may come to affect the brand itself and its category as a whole. The authors of the study feel that there is a gap still unfilled amongst previous extensive research examining how differences in either space or price vary between categories, products or brands. An in-store experiment was conducted by collecting quantitative data from daily sales, observations of customers and questionnaires. The results show that an asymmetric structure leads to customers being more attentive towards the brand, and perceives it to be more dominant over its surrounding competitors. Furthermore, results indicate that the customer perceived variety increases and we see tendencies to changes in sales..

The guest harbor on Utö, Utö Gästhamn, is currently using electricity for heating all of the water used in the showers and taps. Because of the large amount of visitors, especially during the summer months, the hot water usage gets very high and that is also the case for the electrical bills. During the year of 2011 the cost of electricity for Utö Gästhamn reached a total of 257 500 kr. Out of these 257 500 kr approximately 142 000 kr, 55 % of the total cost, were because of the water heating.The report is the result of a cooperation with Skärgårdsstiftelsen, the Green Islands-project and Utö Gästhamn where the mutual goal is to dimension a solar energy system, to promote the sustainable development.Initially the different techniques for the solar energy system are researched. The techniques are plane solar collectors, evacuated tube collectors, pool collectors and photovoltaic cells.

Due to fast growing and rapid changes in markets today, most of the organizationsthat are trying keep up with these changes have a high demand for software that areof high quality and comes with a low price. To meet these goals software companieshave to implement new methods to develop software that are suited for rapidchanges. The concept of agile methods can fulfill this need. Our purpose with thisthesis was to investigate how well agile methods could be applied in organizationsthat could be identified as adhocracies. A case study was conducted in anorganization which we could identify as an adhocracy.

Around year 2004, a new service was introduced on the Swedish housing market with the purpose of increasing the sell price, namely homestaging. Homestaging means that a home gets in order before a open house, for example by removing personal affections or the leasing of new furniture. The phenomenon originates from the United States, where it has existed for several decades.Most components, but not all, that is included in the homestaging concept is tax-deductible and this has lead to several questions around the law and foremost within tax law. To elucidate this complexity of problems around the right to deduction for homestaging, the Swedish tax agency, Skatteverket, has formulated a letter stating the authority?s attitude towards the phenomenon.

Deregulation on the market for agricultural products leads to a more globalised market with increasing price fluctuations. This, in turn, places the farmer in positions influenced by new risks but also improved opportunities. The farmers are faced by uncertainty in terms of financial outcome. To be able to utilise these new market conditions it becomes increasingly important for farmers to continuously follow the price trend, and to develop strategies how to manage the risks exposed by a volatile market. Farmers with different conditions perceive risk in different ways. Hence, their risk management behaviour will vary.

This report was written as a final thesis within the Department of forest economics at the Swedish University of Agricultural Sciences as a completion of the M.SC Forestry programme. The aim of this study was to create a model that, with respect to given stock levels, temperature, fuel usage and fuel price, would identify the optimal levels for purchase of bio fuels, optimal levels of incineration of bio fuels and the sum of the present values of all costs. The model would be applicable for a larger district heating plant. Data regarding temperature were received from SMHI. Information considering fuel prices was taken from the Swedish Forest Agency and the facts about fuel usage were collected from a large district heating plant, located in the southwest of Sweden. For the temperature, a sinus curve was adapted to describe the temperature over a year.

Summary Today energy prices are rising. As a result biomass fuel is getting more and more interesting. Wood chips is very popular, but also straw from grain production is on the table. Lunds Energi AB project a combined power and heating plant in Örtofta out of Lund. Wood chips is meant to be the main energy source, complemented by straw. In this thesis the transportation of straw for fuel is studied.

The purpose of this essay is to examine the origin of generalized trust. We compare existing theories on trust to determine what approach is more fruitful in explaining the prevalence, or absence, of trust. Our conviction is that trust should be viewed as an interaction, rather than a disposition or a rational choice. The sample is based on the countries of the OECD. In total, five different hypotheses are tested: i) that generalized trust is created by equal distribution of income, ii) that generalized trust is created through monitoring of the state, iii) that generalized trust is created through rule by law; iv) that generalized trust is created when the welfare apparatus is guided by principles of universalism; or iv) that generalized trust is created when the state integrates trust networks.

The purpose of this examination work was to make a general description about drying and storage of grain, and a case study with a comparison between brought and home-made feed. The case study was made on the farm Solhem in Hörby, a farm that produces 3870 pigs for slaughter a year. In this project three alternatives have been compared, 1st alternative: own produced grain approx. 400 ton + wet grain 415 ton purchased during fall, 2nd alternative: own produced grain approx. 400 ton + dry grain 415 ton purchased during winter, 3rd alternative: bought feed 815 ton purchased continuously during the year. Considering the price information provided to me the 1st alternative gave the cheapest feed..