Syfte: Syftet med denna uppsats är att undersöka huruvida 2000-talets finanskris har haft någon inverkan på den svenska bolånemarknaden för privatpersoner. Då krisen har slagit hårt mot fastighetsmarknader runt om i världen, vill vi se i vilken utsträckning den har drabbat Sverige. Arbetet ämnar undersöka huruvida bankernas inställning till att utfärda bostadslån har förändrats något, samt utifall det har skett några förändringar av regelverk och direktiv från svenska myndigheter.Metod: I vår uppsats har vi använt oss utav såväl en kvalitativ metod som en kvantitativ. Den kvalitativa metoden utgörs av intervjuer, medan den kvantitativa metoden utgörs av information som insamlats genom internet samt diverse litteraturer. Forskningsarbetets avgränsning sträcker sig till att undersöka den svenska bolånemarknaden.

Skuldsättningsgraden hos svenska hushåll ökade stadigt från i mitten av 1990-talet fram till 2008. För att hejda denna utveckling införde finansinspektionen i oktober 2010 ett allmänt råd om begränsning av säkerhet i bostad vid upptagande av lån, det så kallade bolånetaket. Innebörden av detta är att 15 procent av bostadens marknadsvärde i kontanta medel krävs vid upptagande av bostadslån. För en förstagångsköpare som skall köpa bostad i Göteborg betyder det att en betydande summa pengar skall ha sparats ihop. Eller så blir alternativet att ta ett dyrare blancolån om inte kapitalet finns.För att undersöka hur förstagångsköpare i Göteborg har löst det ekonomiska genomfördes en enkätundersökning bland studenter på Chalmers Tekniska Högskola, Göteborgs Universitet och Högskolan Väst.

The aim of this study is to have a deeper understanding about the motivations and the obstacles of an immigrant?s language learning. I have studied the problem with focus on integration and language learning. The study is principally based on deep interviews with Turkish immigrants. I have studied the question by means of a socio-cultural perspective of learning; Mead?s conceptions I, Me and the generalised other; Scheff?s conception, the social bonds and Freire?s conception, dialog and Asplund?s conception social responsiveness.

AbstractThis bachelor thesis has been assigned by the company ACG Nyström, Borås. ACG Nyström is working in cooperation with a Swiss company named Jentschmann AG. Jentschmann is a manufacturer of ultra sonic welding machines which ACG Nyström is marketing in Scandinavia and the Baltic States. On behalf of Jentschmann AG the company has the aim to introduce the ultra sonic welding technique to new companies.The aim of this thesis is to compare traditional sewing machines with ultra sonic welding machines within two textile areas, protective clothing and outdoor living.Two investigative questions have been formulated for this purpose: what are the differences between a sewing machine and an ultra sonic welding machine? Is it possible to replace the sewing technology with ultra sonic welding? These stand as guidance for this paper.To gather knowledge interviews, literature studies, and tests on two different ultra sonic welding machines were performed.

This study is about trust for public institutions and what the foundation is that builds this confidence. For this study I have used three dependent variables to define different aspects of public institutions. These are trust in the legal system, trust in political parties and state of health services nowadays.  The method that is used in the study is based on a comparative study between two countries, Sweden and Portugal.  The actual result is made up by comparing means and regressions by using 13 independent variables. Many of the independent variables that has been used is deriving from institutional theories of Putnam and Rothstein These theories points out the importance of strong traditions of civic engagement and that the success of the trust of the institutions depends in large part on the horizontal bonds that make up social capital.

Denna uppsats tar sin början i ett intresse av att studera ungdomars konstituerande av identitet. Vi valde att utföra vår studie i Rädda Barnens projekt Ellen & allan som arrangerar samtalsgrupper med en normkritisk agenda för ungdomar i 14-års ålder. Syftet är att genom en kvalitativ studie skapa förståelse för hur ungdomarna som deltar i Ellen & allan konstituerar en maskulin respektive feminin identitet, samt betydelsen av ungdomarnas sociala relationer för detta konstituerande. Studiens omfattning utgörs av tre intervjuer med projektledare och samtalsledare för projektet och av sex timmars observation vid fyra separata tillfällen i en Ellengrupp och i en allangrupp. Intervjuerna bidrog till kunskap om projektet som förberedde oss och skapade ett tydligt fokus inför vårt möte med fältet. Intervjuerna var utformade på ett sådant sätt att de kom att generera material som korrelerade med våra observationsdata. Från vår analys av intervjuer och observationer drar vi slutsatsen att ungdomarnas behov av att skapa och upprätthålla sociala relationer leder till en konformitet inom samtalsgrupperna som bidrar till att ungdomarnas konstituerande av maskulin respektive feminin identitet görs med ursprung i en maskulin heterosexuell hegemoni.

The purpose of this study is to hightlight experiences of living in a relationship where BDSM is being exercised. The acronym is an umbrella term for bondage/discipline, dominance/submission and sadomasochism. The study is based on qualitative interviews with five persons who define themselves as BDSM practitioners. The overall questions of this study are: How does the BDSM practice appear in everyday life? How did the practice start and how has it developed over time? What's included in the sexual BDSM practice? The empirical material has been analyzed with interactionism as the theoritical framework. The picture that emerges is complex.

The world economy of today is in an extensive financial crisis which has lead to the fact that people seek well placed investments and securing of capital, something that by many people can be found in forest investment. The price of forest estates has increased with 90 % during the last 5 years and marketing polls indicate a positive belief in the future among forest owners. The development of timber prices has not increased to the same extent as the forest property prices which implies that the property price not only reflect the yield value from the forest but also that the lumber value does not have such a meaningful role in the pricing of forest properties as proven earlier. This fact means that forest owners either invest their capital in forest in a speculative point of view or that the purchasers of forest properties invests in non monetary benefits that lacks a direct yield value. The purpose with this degree thesis is to increase the understanding of the pricing of forest properties with focus on the above mentioned fact.

AbstractBachelors thesis, Bygg och fastighetsekonomprogrammet vid Högskolan i Halmstad Vårterminen 2009Authors: Emma Stenberg och Emma SvenssonTutor: Sven-Ola CarlssonTitle: Ägarlägenheter - en framtida investering Background and problemThe concept of owner?s apartment has been discussed in Sweden since the 19th century. It was not until the first of may 2009 that it got legislated to be allowed in Sweden. The concept that people should be allowed to own their apartments instead of owning a part of the tenant-owner?s association is a new phenomenon in Sweden.

Behovet av produktplaceringssamarbeten ökar eftersom traditionell reklam minskar i effektivitet samtidigt som filmproduktioner kräver större budgetar. Bondfilmer har lockat publik i 50 år vilket gör det möjligt att studera relationen mellan filmernas karaktär och produktplaceringar ur ett historiskt perspektiv. Materialet består av den första filmen Dr. No (1962) samt den senaste filmen Skyfall (2012). Semiotiska analyser görs av scener med framträdande produktplaceringar.

Vänner emellan är ett integrationsfrämjande projekt i Halmstad kommun som riktar sig till nyanlända ungdomar. Verksamheten strävar efter ett mål, där en vänskapsrelation ska skapas mellan nyanlända och etablerade svenskar. Denna relation ska så småningom underlätta de nyanländas situation som ny i Sverige. Integrationsåtgärden ska även vara en möjlighet för dem att träna på det svenska språket, social träning samt få en upplevelse genom ett kulturellt utbyte. Syftet med vår studie är att undersöka deras upplevelser kring integrationsprojektet ?Vänner emellan? med vänskapsrelationer i fokus.Undersökningen baseras på sju kvalitativa intervjuer med: den tidigare projektledaren, den nuvarande projektledaren, en fadder samt fyra nyanlända.

The purpose of this study is to hightlight experiences of living in a relationship where BDSM is being exercised. The acronym is an umbrella term for bondage/discipline, dominance/submission and sadomasochism. The study is based on qualitative interviews with five persons who define themselves as BDSM practitioners. The overall questions of this study are: How does the BDSM practice appear in everyday life? How did the practice start and how has it developed over time? What's included in the sexual BDSM practice? The empirical material has been analyzed with interactionism as the theoritical framework. The picture that emerges is complex.

When beef calves are weaned abruptly at 5 to 6 months of age this triggers a strong stress reaction, since the animals have not yet untied the bonds to their mothers or stopped suckling. This is displayed as extensive vocalization and restlessness. Attempts to diminish the negative effects of weaning on sucking calves have been showing varying results. The study presented here emanates from the observation that when calves are weaned without human interference they are only prevented from suckling, but are still allowed to have social contacts with their mothers. The hypothesis was that calves weaned in two steps would be calmer, gain more weight, and be healthier than animals that were abruptly weaned. To investigate this, 15 calves where weaned in two stages (Group 2), by fitting the calves with nose tags that prevented them from suckling during 5 days prior to the separation of the cows and calves.

This two years master´s thesis examines how books and literature can strengthen the contact between imprisoned fathers and their children, and the connection between the treatment of offenders and education in Sweden. The methods used are interviews and textual analysis. The theoretical starting points are influenced by Bernt Gustavssons works concerning the concept of education (the Swedish term ?bildning?) and Foucaults thoughts on the subject of power and its relation to knowledge and resistance.Through history many attempts have been made to ?cure? those who commit criminal acts by educating them, at first to enable them to get employed after serving their sentence, the education thus being for the greater good of the society in general, but since the 1940?s the aim has shifted towards education for the individuals own personal development and readjustment to society.The findings indicate that the service provided to prisons by public libraries play an important role for the inmates, as a source of books for amusement and diversion as well as providing the means for education. This thesis examines four reading programmes in prison, in order to establish their place in the tradition of education within the Swedish penal system.

This study departs from Gállok, an area 40 kilometres northwest of the city Jokkmokk, in northern Sweden. This is a place to which local people and Saami reindeer herders have material interests and emotional bonds. The mining company JIMAB wants to prospect for extracting minerals from this area. In the summer of 2013 local people, Saamis and environmental activists gathered in Gállok in order to protest and make resistance against these plans. Activism was made, debate articles were written, demonstrations were organized and information about what was going on in Gállok was shared through social media.The aim of this study is to examine the cultural processes of the anti-mining movement, in particular the happenings in Gállok in summer 2013.