Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

Arbetsförmedlingen is the Swedish national authority responsible for the work politics, and its main purpose is to create and build a solid and sustainable job market.Economic crises together with changes in the society and in the organization over the past few years mean that the unemployed individuals that come in contact with Arbetsförmedlingen are no longer a homogenous group. A lot of effort is put into helping those who may find it difficult to enter the work environment, such as youths (19 ? 26 years old), people who have been unemployed or on sick leave for a long period of time, people with disabilities or immigrants who are newly arrived in Sweden.A harder social and economic climate can lead to frustration among the unemployed which mean that security measures at the offices has had to become adjusted. Local offices now have a public area where they have meetings with their clients and a locked open plan office space to which the public have no access. Working within an open plan office environment can cause health problems, mostly due to the constant background noise that comes from people having conversations on the phone, or with each other.

Sedan outsourcing blev vanligare på den svenska marknaden har det även blivit vanligt att i förvaltning upphandla sin drift i konkurrens. I ett mycket tidigt skede uppmärksammandes en problematik med samarbetet mellan beställare och driftentreprenör som innebar att fakturahanteringen mellan parterna var omfattande och tidkrävande. För att bland annat minska administrationen upprättades en självriskmodell som många beställare idag tillämpar i kontrakten, vilken innebär att driftentreprenören ersätter felavhjälpande underhållsåtgärdskostnader upp till ett visst gränsbelopp. Syftet med fallstudien är att undersöka modellens uppbyggnad och tillämpning samtatt analysera vad beställare och entreprenör anser om självriskmodellen.Studien bygger främst på primär insamlad data genom ett antal intervjuer med främst en beställare, Locum samt en sekundär datainsamling i form av en enkätundersökning besvarad av verksamma entreprenörer inom branschen.För att bibehålla det offentliga fastighetsbeståndet och för att se till brukarens bästa måste en förståelse finnas mellan beställare och entreprenör. Den lösningen som idag finns för att upprätthålla kvalité och service i en funktionsupphandling är att använda självriskmodellen. För beställaren fungerar modellen som ett incitament att funktionskraven uppnås och för att minska fakturahanteringen.

The parent-student-teacher conference presumes school responsibility of the development of the student. Teacher, student and parents are supposed to talk freely and in confidence, the conference should lead to a forward looking and long term plan. The parent-student-teacher conference should presume equality amongst the parties. The intention of this paper is to illuminate how the conference can be a way to clarify the process of learning. I intend to do this by showing the practice of four teachers, by making conclusions from their experiences they have made in their practice.

This master thesis presents a Model for Evaluating and Managing Interruption Risks in connection with Business Continuity Planning (BCP), developed for Swedwood International. The model consists of a template with instructions. The model should be easily understood and useful for establishing a plan for BCP. This is achieved by including the contents and procedure of BCP and the main supplychain risks in the model. The purpose of a BCP plan is to describe how an enterprise will return to business as usual after an interruption, e.g.

The purpose of this essay is to examine how librarians perceive library plans, if they are important for their work and if so, in what ways. In order to analyze this, I have used a phenomenographic approach. My goal, by using this method, is to uncover perceptions and variations among these. The research questions are: What variations of perception of library plans exist among librarians? To what extent can the varied perceptions of library plans be linked to librarians' work? What does the variation of perception say, in relation to the expectations expressed in international and national documents, about library plans? The material used in a phenomenographic analysis consists of interviews.

This master?s thesis deals with problems and opportunities when it comes to cooperation between compulsory schools, upper secondary schools, school libraries and public libraries on Gotland. The goal of this thesis is to investigate which ideas exist among public librarians, school librarians and headmasters when it comes to taking responsibility for the students? information literacy, basic library knowledge and passion for books. It also examines some of the problems they meet when trying to work together around these tasks.

This thesis in social anthropology is based on a field study on the Internet exploring Tibetan identity. With a post-modern approach the thesis explores the possibility fora non-tibetan to create a Tibetan Internet identity and become a part of the Tibetan community that exist on the Internet..

With this study we aim to learn more about the relationship between digitalization and the swedish church. We have interviewed two priests and two other persons ? one who got married about five years ago, and one who, at the time of writing, is getting married in a few weeks. In addition to the interviews we found some earlier research that were relevant to us, which we read and compared to the empirics we got from the interviews. In our study we have taken qualitative research into practice since we want our interviewees to really share their points of view on the organisation?s usage of digital media.

Forest management plans have been sold to private forest owners by wood supplying companies for a long time. These plans are considered to be effi-cient tools to identify measures and wood volumes, and are simply a starting point for discussions between private forest owners and round wood pur-chasers. However, large variations are observed between different purchas-ers, in their usage of the plans. The purpose of this report is to identify to what extent a forest management plan can promote an increase in the amount of wood which a round wood purchaser can obtain and to find differences in the way of using the plans between different wood purchasers. Furthermore, the purpose is also to ana-lyse if varying owner structures can be underlie variations in the selling of forest management plans. Qualitative interviews with nine of Stora Enso?s round wood purchasers were performed.

Rules on parental leave have over the years been the subject of several gender debates. The big question has particularly been whether a further individualization of the days should be established. Sweden is a relatively equal country but differences still exist between men and women in the labor market, such as differences in wages. A fact that is considered encouraging for this is the uneven distribution of parental leave between men and women. It has now been nearly 40 years since the introduction of the first parental insurance but we have still not achieved gender equality in working life which was the main purpose.The main purpose of this essay is to study the motives for the proposal of individualized parental leave, and in addition examine how this change of rules could impact on gender equality in the work place.

Collections, compilations and databases currently stand under a solid intellectual property protection in Sweden. This legal protection is partly a product of the old Nordic ?catalogue-rule? seen in the former 49 § of the Swedish copyright act (upphovsrättslagen) but was further extended by the implementation of the EU directive on the legal protection of databases 96/9/EG and the new sui generis-right. Since major values are represented digitally combined with the fact that Internet serves as the main provider for information a strong legal protection for databases must be carefully crafted. When crafting this kind of legal protection the right to freedom of information is balanced against the database producers? interests of property protection as well as social and public interests such as increased innovation.

In the centre of Bromma, east of Brommaplan is the part of Bromma named Riksby. Riksby was built in the early 1940:s as a part of the westward expansion of Stockholm. Other places that were built at the same time was for ex. Stora Mossen and Abrahamsberg. This work is about the outdoor environment of the housing co-operative of Brickbandet.

Light pollution in urban areas - How to prevent light pollution at construction Jakob Sjöling Light pollution is a relatively new but rapidly growing form of pollution. Society's increasing demand for light coupled with the pace at which lighting technology evolves is accelerating that growth. The purpose of this study was to analyse how the construction industry plan and design outdoor lighting when erecting new buildings, specifically with regards to the issue of light pollution. It also investigated how local authorities work with these issues during urban planning. In both cases special interest was placed in ways to improve the planning and use of outdoor lighting in order to minimize light pollution.

This study was conducted on a property with a thinning machine team. The purpose was to investigate in which machine, the harvester or the forwarder, that caused most damage to the trees in six different stands. Different factors, related to the damage frequency in the stands, were checked out. For example: basal area per hectare, thinning strength, tree diameter and the rate of production. The harvester drivers were also interviewed about how, when and why stem damages occur and how to minimize them. The study stated that 4.3 percent of the trees were damaged. Out of these 88 percent was caused by the harvester and the rest, 12 percent, by the forwarder..