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94 Uppsatser om Mortgage ceiling - Sida 5 av 7
Ändring av förmånsrättslagen : Hjälpa eller stjälpa en oprioriterad borgenär?
The law of preferential rights has, since the 70?s, given företagshypotek a high priority after a company has claimed bankruptcy. After the costs concerning the insolvent estate and the liens, företagshypotek has received full refund. The effect has been that the unprioritized creditors often have not recieved any of their claims after the bank have re-cieved theirs. Many countries have during the last decades deviated from this law and in 2003, Sweden decided to take the same path.
Trä och fukt ? Mätmetoder för fuktrelaterade dimensionsförändringar hos trä och deras användbarhet, med två fallstudier inom konservering
This thesis deals with different methods for measuring moisture-related dimensional changes ofwood. Typically relative humidity is measured to determine if the ambient climate around anobject is harmful to it or not. Values between 40 to 65% RH are recommended for hygroscopicmaterials. To know how a wooden object actually reacts to changes in the surroundingenvironment requires methods that involve the object itself. Because of the wood anisotropy,differences in wood structure, finishes and other restraints, it is not always possible to predict themovements.This paper addresses various measurement methods, primarily methods that have been testedin the field of conservation, with examples of their use.
Extra ersättningar vid föräldraledighet : Dess inverkan på föräldraledighetslängden vid olika inkomster och kön
Mothers and fathers in Sweden receive an earnings-related benefit of 80 percent of their income when they take parental leave. There exists a ceiling in the allowance though, meaning that some people with high earnings don?t receive fully 80 percent of their ordinary salary. The length of the parental leave varies between women and men and also among men and women. Various reasons are used to explain this; one of them is economical.
Kvinnlig chefskarriär i ?gubbväldet? : - En studie om kvinnliga chefers upplevelser av möjligheter och hinder i karriären, i en mansdominerad organisation
Syftet med denna studie är att skapa en djupare förståelse för kvinnliga chefers upplevelser av möjligheter och hinder i sin karriär i en mansdominerad organisation. Vi vill även undersöka inom vilka livssfärer dessa hinder och möjligheter uppstår. Vi ställer frågor om hur kvinnliga chefer upplever sin karriär i en mansdominerad organisation samt vilka möjligheter och hinder de upplevt och stött på under sin karriär och hur kvinnliga chefer kan skapa en balans mellan de olika livssfärerna, arbetsliv och privatliv. Studien är av kvalitativ art och tar sig an syftet med inspiration från ett narrativt synsätt för att på bästa möjliga sätt förstå deltagarnas personliga berättelser. Datainsamlingsmetoden har skett genom ett tiotal semistrukturerade intervjuer där resultatet visade att möjligheter och hinder främst konstitueras i arbetsorganisationen, att betydelsen av stöd, både från chefer och från privatlivet visade sig vara betydelsefullt och att privatlivet inte påverkar karriären negativt i lika hög grad som karriären påverkar privatlivet. .
Bostadsbubbla i Stockholm kommun : Sann existens eller falsk spekulation?
In light of the massive property bubbles that have been bursting in the USA, Spain and Ireland during the last decade, the aim of this thesis is to clarify whether ? or to what degree - the municipality of Stockholm might experience a property bubble in the near future. The municipality of Stockholm is undergoing a housing shortage and house prices have risen during the last few years. Neoliberalism and property bubbles are used as a theoretical framework in this paper. The methodology consist of semi structured interviews, analysis of documents and statistical data from Eurostat, Valueguard and the Swedish administrative authority; Statistiska centralbyrån (SCB).
Nice girls finish last : Kvinnor i ledande positioner
Ett problem som jag såg när jag var ute på praktik var hur elevernas intresse och inställning till de naturvetenskapliga ämnena för vissa elever är negativa vilket leder till att de inte vill arbeta med ämnena. Tidigare forskning visar att detta intresse och inställning hos barn och ungdomar sjunker med de stigande åldrarna. Syftet med detta examensarbete är att undersöka vilken inställning som eleverna har till de naturvetenskapliga ämnena som undervisas i den svenska skolan. Utöver detta undersöks även vilka åsikter som dessa elever har till vad som ska göras för att de ska få en positiv inställning till dessa ämnen. Denna undersökning genomfördes med en kvantitativ enkätstudie hos fyra klasser med elever i årskurs 9 vid en kommunal skola.
Den svenska bolånemarknaden : Förändringar efter introduktionen av säkerställda obligationer
När en person tar ett lån för att köpa en fastighet så tar denne ett Bolån. I Sverige har det funnits en fungerande bolånemarknad sedan länge, men år 2004 infördes en ny lag som kom att förändra hur den underliggande säkerheten hos lånen disponeras. Den nya typen av bolån benämndes säkerställda obligationer, en typ av obligation som skulle vara säkrare för både de som investerar och ger ut obligationen. Eftersom liknande lagstiftning redan fanns i flera andra länder i övriga världen, syftade även lagstiftningen till att underlätta för investerare internationellt. Lagen togs i bruk 2006 då flera av de stora svenska bankerna byta ut sina gamla obligationer för bolån mot de nya säkerställda obligationerna, och lagstiftningen ledde följaktligen till en del förändringar på den svenska bolånemarknaden.Utifrån den genomförda studien kan vi konstatera att bolånemarknaden inte genomgått några markanta förändringar, men att lagstiftningen öppnat upp nya dörrar för många potentiella investerare.
Varför så få kvinnor? : En stuide om kvinnligt ledarskap inom svensk elitishockey
Under säsongen 2013/2014 arbetade fyra kvinnliga ledare på högsta position inom svensk elitishockey vilket motsvarade 15 procent. Riksidrottsförbundets jämställdhetsmål är att andelen representanter från vardera kön ska vara minst 40 procent. Varför innehar så få kvinnor ledande positioner inom svensk elitishockey?Frågan besvaras genom att intervjua de kvinnliga chefer som tagit sig in i organisationerna och därav få ökad förståelse för kvinnligt ledarskap i en mansdominerad bransch. Tidigare forskning visar på att kvinnor som försöker klättra i karriären möts av ett normativt motstånd vilket påvisas i teorierna om ?tokens? och glastaket.
?ÄNTLIGEN!?- En lysrörsarmatur för det egna hemmet
The aim of our study is to ascertain whether a hanging suspension fluorescentlamp for a private home environment is going to be attractive for a largeaudience. We want to open up for new uses of fluorescent lamps as lightsources.The main approach in this work is how to design a fixture with fluorescentlamps as a light source that will meet the requirements and requests of thehome environment could look like. At the same time we want to make a newimpression of how a fluorescent light source.Primarily we used a quantitative method, but this was rejected after a pilotstudy. Instead we used a qualitatively based method in the sense that weconducted a group interview as well as individual interviews.Based on data from the interviews and our preliminary work a prototype wasbuilt. This prototype is a fluorescent fixture equipped with 2x14W T5fluorescent lamps, dimmed separately.
Provrumsbelysning
The fitting room is an important part of a clothing store, it's often where the customer decides if they want to buy the garment or not. Therefore it is important that the customer can feel safe and comfortable when they are trying the clothing. A typical fitting room in Sweden today has only one bright spotlight that emits light either towards the face or from the ceiling above. This study explores possible lighting solutions that take into account the customer's experience in the fitting room.The study aim to increase understanding of the importance of a good light in fitting rooms, so that customers gets a nice experience and that clothes, body shape and facial features are shown in a natural way. The issue therefore included how lighting can affect the customer's perception of the clothing and how the perception of body shape, facial features and the clothes change in different lighting solutions.To answer these questions, observations were made in various clothing stores, followed by an experimental study divided into two parts.
Övergångarnas Dilemma : En uppsats om kvinnors underrepresentation i andelen övergångar ifrån Samhall AB till den reguljära arbetsmarknaden
With the ambitions to rehabilitate individuals with different kinds of work disabilities through work, the government owned Samhall AB has a long history as labour market measure in Sweden.To show Samhall AB its importance, the company has requirements to fulfill the goal that around 5 percent of their employees, at Samhall AB, every year shall be transferred to an employment outside the company, which is called transition. Unfortunately since this goal was introduced it also created several dilemmas. One dilemma is the long lasting female under representation in transitions from Samhall AB to the regular labour market.The essays main task is to investigate the factors behind the female under presentation in transition from Samhall AB through a genus perspective and by using quantitative and qualitative method.The main conclusions are that female under representation in transitions from Samhall AB are basically caused by structural factors. Samhall AB?s strong industrial tradition and particularly the strong segregation between female and males on the regular Swedish labour market may inhibit females in their transitions.
Skolbiblioteket som socialt rum. Om skolbibliotekets placering och utformning.
The aim of this Master's thesis is to explore how the localisation and the design affect the conditions for a school-media centre. A school-media centre is in this study a place where the students seek, find and evaluate information, discuss and exchange ideas. An active place for generating knowledge. The method applied in this study is "Space Syntax Analysis", a quantitative method with visual representation of the results. In the theoretical framework, space is the voids between walls, doors and ceiling, between furniture and bookshelves.
Armaturfamilj med LED som ljuskälla
This report describes a project, which was carried out as a final thesis covering 30 ECTS during the final semester of the Master of Science programme Industrial Design. The assignment was issued by Fagerhults Belysning AB in Habo. The assignment was to design a family of products in which LED was to be used as a source of light. The main focus in the initial part of the project was to find a way to design the inside of armature which was suitable for LED technology. An armature, already in the range of products at Fagerhult, with the desired qualities that was to be strived after was the Zintra. The lighting source of the Zintra is a compact fluorescent lamp.
En Curmansk saga Bevarandeproblematik hos takhängda tapetvåder i nygöticistisk interiör
The main purpose of this thesis has been to address the problem connected with conservation ofspecific objects in historic buildings that have a protected building status. The immaterial demandsand environmental concerns of a place of cultural significance are discussed as opposed to the welladaptedsetting of a museum, with regard to long-term preservation. In an authentic interior of acertain era, large-scale individual treatments of the objects that define it and regulations forconservation-related reasons, may not be considered a worth-while effort, as it is often the integrityof the environment as a whole that has been declared as significant. To investigate the relationshipbetween object and its context, a case study has been conducted by examination of the propertycalled ?Curmans villor?, located in the seaside community called Lysekil.
Integrerad hästanläggning : ridhus/stall
Today there is an increasing market for businesses concerning horses, and since we are already running such establishments we sort of speak already have a finger in the pie. Due tothe increasing competition and demands, new and more practical constructions have become a necessity.
In doing this project I wanted to make a comparison between having a stable integrated with a manege and having both constructions kept separate. I wanted to compare different layout and make an estimate of costs to see which solution would be less expensive and better with regard to working environment. I will further also deal with different ventilation-systems andlight transmissions.