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136 Uppsatser om Mortgage bonds - Sida 7 av 10
M2M - affecting organisations, offerings and relations
Machine-to-machine (M2M) communication is a phase in the digital revolution connecting computing devices with each other bringing along new business opportunities for companies. Although being a fast growing field it has not been researched to any greater extent, particularly not within the academical literature. Consequently, information on how M2M can affect organisations seems strongly needed. This thesis uses three perspectives, derived from already recognised business benefits of M2M, as an aid to select proper theoretical tools to investigate the phenomenon. The purpose of this thesis is to gain knowledge of how an M2M adoption affects a firm?s organisation, customer offerings and customer relations.
Nöjda kunder med risken i fokus : En studie i hur finansiell risk bör förmedlas
During the last decades major changes has occurred at the financial markets, meaning an increasing supply and a greater variation of financial instruments. The saving habits of the Swedish people have gone from traditional bank deposits to investments in equities, funds and bonds. All this together with the great rise in the stock market at the late 90?s has brought words like risk and return up-to-date, and is the background to the development of a new law concerning financial advising which come into force the 1th of July 2004. The contents of the thesis can be described as three bricks, representing the survey questions.
Väsentlig anknytning : Betydelsen av bostad och väsentligt inflytande i näringsverksamhet för individens skattemässiga status
In Sweden a person is either unlimited or limited liable to tax. It is important to define this status since the consequence of being unlimited liable to tax according to chapter 3 § 8 Swedish income tax law (1999:1229) is imposed tax on every revenue from Sweden and overseas. When deciding the fiscal status Sweden uses the principle of domicile which makes the home of the taxable person important.Despite domilication in another country a person can be considered to have such bonds to Sweden that they still should be unlimited liable to tax here. During the development of the Swedish communal tax law (1928:370) the term essential linkage was introduced. There are numerous factors which can affect this assessment but in case-law some factors have been considered more important than others.
Alternativa finansieringsmöjligheter av företagsfastigheter
It is essential to reuse- and recycles residues to decrease the amount of deposit materials and reach sustainable energy use. Two ways to work towards this is to recycle wood ashes to the forest as nutrient compensation and extract biogas from combustion of biomass.The aim with this study was to decide whether wood ashes that been used for biogas upgrading with accelerated carbonation also can be used as a nutrient compensation in the woods according to recommendations from the Swedish Forest Agency (Skogsstyrelsen).The ashes that were used in this study came from Johan Andersson who works at JTI in Uppsala, who also treated the ashes with biogas. The ashes have, in both untreated and treated condition, been analyzed in this study according to contents of elements, leaching properties, hardening properties and contents of crystalline phases, to evaluate what impact carbonation with biogas has on the ashes.The accelerated carbonation led to hardening of the ash, and decreased amount of CaO- and increased amount of CaCO3. The CO2-uptake also entails a dilution of the elements, and the content of nutrients and trace elements decreases. However the results show an indication of an uptake of S from the biogas to the ash, since the dilution had a smaller impact on S than the rest of the elements.
Till vilket pris? En kvalitativ studie om missbrukets påverkan på de sociala relationerna.
The aim of the study was to examine how substance abuse influences social relationships to families, friends and others. Five ex addicts in a treatment centre were interviewed. We used thematic interviews with themes that we regarded as relevant for our study. In the analysis we applied the theoretical concept of symbolic interactionism. Theories of emotions also helped us to explain feelings that arise in the social relationships.
Värdepapperisering av samhällsfastigheters hyresflöden : En attraktiv finansierings- och investeringsmöjlighet för att bygga vård- och äldreboenden till en åldrande befolkning?
The number of elderly people has been steadily rising in Sweden for a long time and as a proportion of the population, the increase has been even greater. The population structure in the country means that in the not too distant future, there will be a sharp rise in demand for care and elderly accommodation.A tighter credit market as a consequence of new rules and regulations with a stricter capital and liquidity requirements combined with market turbulence, has made financing property developement more difficult and more expensive which has resulted in many companies using alternative sources of finance.DEmand for safe investments with low risk is high as the market is volatile and banks, pension funds, fund management and life insurance companies are looking for investments outside the stock market that can deliver a safe return in the longer term. There has also been a debate about whether institutional investors as the AP pension funds really should own properties directly.As properties for care and elderly accommodation are definable assets with predictable payment flows, long leases and often a local authority as tenant that would not risk cancelling payments, these would be highly appropriate for securitisation, i.e. to issue bonds or other tradable securities based on the cash flows from the assets.In other words, the securitisation of rent flows would offer the opportunity to create an attractive investment product of the type being demanded, well suited to institutional investor requirements, while at the same time, it can provide an attractive financing opportunity to meet the need for more care and elderly accommodation..
Det dubbla straffet : Mödrar på anstalt
Vi möter i denna uppsats kvinnor som successivt förändrar vår bild av det dubbla straffet, som komplicerar vår uppfattning om ett liv i missbruksberoende och livet på kvinnoanstalt, men som också förenklar föreställningen om den djupa kärleken de hyser för sina barn. Eftersom dessa mödrar har arbetat en hel del med sig själva och tagit sig ur långa perioder av beroende har vi fått känna av den kraft som lösgörs då en människa verkar inom någonting hon brinner för. Att hjälpa andra och att tillåta sig själv att ta emot hjälp har guidat denna berättelse kring människans förmåga att resa sig och gå vidare. Det faktum att kärleken tycks verka sida vid sida med den skuldtyngda problematiken har väckt vårt intresse och diskuteras genom texten som en löpande röd tråd. Genom att låta de individuella känslorna möta sociologiska teorier vidgas perspektivet till en vinkel som berör såväl makro som mikronivå i samhället.
En del av mig försvann? : - en studie om efterlevande makars sorg.
The purpose of this study was to investigate and expand the knowledge of how bereaved spouses in palliative care handled their grief. Attempts were also made to distinguish common patterns among the experiences that the bereaved spouses expressed. Furthermore the study aimed to understand how the bereaved spouses handled their grief, and to understand what helped them to move on. A qualitative method was used in this essay, related to the purpose of investigating the spouses? emotional experiences. The questions used to reach an understanding of the matter were: How did the bereaved experienced their grief? Were there important contributing factors worsening their grief or making it easier? How did the bereaved persons handle their grief, and what helped them to work things through and carry on with their lives? The result was analyzed by using Antonovsky?s theory; a feeling of coherence, Lazarus? coping theory combined with Folkman?s revised coping theory.
"Månntro hon är homo?" : Om lesbiska kvinnors identitetsformering och livsvillkor 1950-1965
The construction of an identity among lesbian women during 1950-?1965 is in focus in this master ?s thesis. My starting point is that identity, such as lesbian or any other identity, is formed in relation to other people and groups, as well as society. This thesis will also examine how lesbian women met and formed bonds with like-minded, and whether these aspects changed, during the defined time period. The empirics is made up by letters written by women to Riksfo?rbundet fo?r sexuellt likabera?ttigande (a Swedish organisation for lesbian and gays) as well as an interview with two lesbian women who were born in 1938 and 1940.
Utvecklingen av den svenska företagsobligationsmarknaden : En institutionell analys av förändrade förutsättningar och dess påverkan på transaktionskostnader
Bakgrund: De svenska företagens lånebaserade finansiering har historiskt sett mestadels utgjorts av banklån framför företagsobligationer. Efter finanskrisens start 2008, och fram till och med fjärde kvartalet år 2012, har den svenska företagsobligationsmarknaden vuxit med drygt 60 procent. I media framställs en bild där regelverket Basel III har gjort och kommer göra företagsobligationsmarknaden till en viktigare finansieringskälla för svenska företag. En studie om företagsobligationsmarknaden efterfrågas av Svenskt Näringsliv.Syfte: Syftet med studien är att kartlägga och utifrån institutionell teori analysera hur de ekonomiska förutsättningarna för den svenska företagsobligationsmarknaden har förändrats sedan år 2008.Genomförande: För att uppnå studiens syfte har ett kvalitativt tillvägagångssätt tillämpats. Empirin har samlats in genom semistrukturerade intervjuer med aktörer på företagsobligationsmarknaden.
Från "Zigenarfrågan" 1956 till "Romers rätt" 2010 : En studie om den strukturella diskrimineringen av romer i två statliga utredningar
This thesis will deal with the development of the situation of the Roma minority in the Swedish school system in the period between 1954 to 2010, based on two Swedish Government Official Reports of the group's situation in the Swedish schools. The study is done by the report Zigenarfrågan (SOU 1956:43) and with the report Romers rätt (SOU 2010:55). The report Romers rätt was written by the Delegation for Roma issues and gives an updated picture of the situation of Roma in the Swedish school system. The state investigation Zigenarfrågan, is also important as the latter resulted in the Roma children enrolled in Swedish schools. This work will look at the various governmental investigations by the theory used for analysis called ?structural discrimination theory?.
Gemenskap i kris: En studie av socialt kapital och krisberedskap i G?teborg
This thesis explores how the city of Gothenburg integrates and use social capital, defined through factors such as trust and cooperative networks, in its crisis preparedness strategies and how this can enhance the city's collective resilience. The study aims to contribute to the understanding of how social capital can be leveraged to strengthen crisis management and resilience in urban environments. The research analyzes existing quantitative data from the SOM-Institute regarding residents perceptions and self-reported preparedness actions and reviews Gothenburg's official civil defense plan for 2024?2027. By examining various aspects of social capital, including levels of trust and cooperative networks across different city districts and age groups, the analysis focuses on how social bonds and community contexts are considered in planning for handling and recovering from potential crises.
Aktieindexobligationer : För vem är aktieindexobligationer en passande investering?
Bakgrund: Sedan introduktionen i början av 1990-talet har utvecklingen av volymen nyemitterade aktieindexobligationerna totalt sett varit positiv vilket tyder på att produkten blivit en populär sparform hos svenskar. Detta tillsammans med det faktum att det finns få studier gjorda kring aktieindexobligationer som sparform där ett större perspektiv tas i beaktande gör ämnet intressant att studera.Syfte: Uppsatsens syfte är att kartlägga och analysera för vilka privata investerare aktieindexobligationer passar som sparform ur ett livscykelperspektiv med utgångspunkt i (i) bransch- och rådgivningspraxis, (ii) finansiell riskhanteringsteori med fokus på portföljvalsteori och (iii) historisk data avseende risk och avkastning.Genomförande: Studien har genomförts med hjälp av att intervjua privatrådgivare, kapitalrådgivare och personer som arbetar med strukturerade produkter på storbanker och hos mindre finansiella aktörer. Fem stereotyper har använts som diskussionsunderlag vid intervjuerna. För att kunna föra en djupare analys kring produkten som sparform för privata investerare har en portföljoptimering genomförts för att ta historisk data gällande risk och avkastning i beaktande.Slutsats: Studien fastställer att produkten passar privata investerare som befinner sig i den senare delen av konsolideringsfasen och inte är de mest riskbenägna. Studien visar att det främst är kredit- och marknadsrisken som är kopplade till aktieindexobligationer samtidigt som risken i produkten bedöms som låg.
Nu är det dags för fotboll 2.0 : En studie om hur fotbollsklubbar i Allsvenskan arbetar med relationsmarknadsföring med hjälp av sociala medier.
Title: Nu är det dags för fotboll 2.0 I En studie om hur fotbollsklubbar i allsvenskanarbetar med relationsmarknadsföring med hjälp av sociala medier.Short explanation of the titleWe chose the title ?Nu är det dags for fotboll2.0?because it relates to the socialhabits that occurs between individuals within society today. People are moreinteractive online than before due to the development of Web 2,0 and social medias.Main purposeThe main purpose of this thesis is to describe how professional football clubs usesocial media tools to establish, maintain and develop relationships with costumerswithin the field of sports.MethodologyThe thesis is based on a qualitative research with an inductive approach to make itpossible to create a depth within the research. In addition, we have a hermeneuticperspective to build an understanding for the hard labour that is put in action byworkers in the football clubs only for the reasons of making relationships possibleand strengthening bonds by using social media tools. We have gathered theempirical information trough interviews with main leaders within chosenorganizations that use social media tools on an every day basis.
Hydrofob interaktion : en resurs för att reducera antibiotikaanvändningen
It is important to know what is normal in the wound healing process in order to determine what happens when a wound does not heal as expected. If the amount of bacteria in the wound gets too large the body will not be able to defend itself and it becomes an infection. Colonization and infection are common elements in wound management and it is often the veterinary nurse role to deal with wounds in a proper manner. Antibiotics are drugs that either kill or inhibit the multiplication of bacteria or fungi, and have been in veterinary medicine for approximately 60 years. Very few new antibiotics are introduced and increased resistance is a major problem that requires everyone to take responsibility to reduce the use of it.