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.

Starch is a naturally occurring substance in most plants and is used as energy storage. It is a component that mainly consists of amylose and amylopectin. Together they build a complex pattern which gives starch its specific properties. The proportion of amylose and amylopectin varies in different plants but generally starch consists of 25 % amylose and 75 % amylopectin. There have been discoveries of barley varieties containing 100 % amylopectin called ?waxy starches? or ?waxy barley? as well as varieties that have a high content of amylose, around 70 % and these are called ?amylotypes?.

This study aims to analyze the risks with building new households between railroads and shore, the focus of the study lays on Öbacka strand in Umeå municipality. The study also investigate if a land use conflict has taken place and how it was handled.The paper is based on different documents that was central for the work of planning the households and some interviews with operators that was highly involved with the planning of the area.The results shows that there is several risks with establishing new household between railroads and shores. Mainly because of the exposure of noise from the railways, though the risk for impact on the living environment for animals were low in this case there is a generally risk that it could get negative effects. It also a very important that the availability to the shore is secured. Planning in this type of area involves a great number of operators can easily cause a conflict due to the different perspectives on how the land should be used in the future, and also because of protecting different interests.

The common asylum and migration policy of the European Union is a struggle between a strong belief in the protection of human rights and the need of strong and secured borders. This paper highlights the dilemma that occurs in the common asylum and migration policy of the European Union. What happens when the union have to choose between liberal standards with high priorities to human rights and a realistic focus on security? The aim is to study the asylum policy presented in the Stockholm Program, and thereafter evaluate what kind of character the union has itself. By an ideal type analysis of the Stockholm program from 2009, the common asylum policy is divided into either liberal or realistic ideas.

The project Easy Battery Handling - EBH has been carried out in our auspicial and completedfor Devantini Corporation, a development company in Halmstad with its main concern inenvironmental friendly innovations.EBH has solved one of many technical challenges in one of Devantini corporation?s largerprojects. This main project involves the development of an electric powered formula racingcar. The part of this car that involved EBH was the battery handling to guarantee safe andquick battery exchanges during pit-stops.The solution became an entire battery module, hanging on the side of the car on two spearspointing out from the car. The batteries are exchanged by a specially designed trolley that isinserted under the battery module.

This assignment has been performed at location and commissioned by AttenditAB in Jönköping. The task has been to develop a client/server system to accessdata stored in SQL databases where the client application is developed to run onregular cellular telephones. The importance has been to develop as reliable mobilecommunication as possible. The functionality that is demanded upon the mobilecommunication is:? Secured for future versions? Interoperability? Data should not be bugged, modified or disappearunnoticed? Resource efficientWe have achieved these demands by developing our own protocol that is on top ofthe TCP protocol.

This study aims to analyze the risks with building new households between railroads and shore, the focus of the study lays on Öbacka strand in Umeå municipality. The study also investigate if a land use conflict has taken place and how it was handled.The paper is based on different documents that was central for the work of planning the households and some interviews with operators that was highly involved with the planning of the area.The results shows that there is several risks with establishing new household between railroads and shores. Mainly because of the exposure of noise from the railways, though the risk for impact on the living environment for animals were low in this case there is a generally risk that it could get negative effects. It also a very important that the availability to the shore is secured. Planning in this type of area involves a great number of operators can easily cause a conflict due to the different perspectives on how the land should be used in the future, and also because of protecting different interests.

The world is increasingly coalescing, ecologically, economically and culturally. Many problems can no longer be solved within the own state borders and the limitation of the territorial state is obvious. Jürgen Habermas means that a world domestic politic without a world government is what this progress need. Therefore it is important that national interests become less central and the solidarity between people is given priority in international relations. The focus of this thesis is therefore a critical discourse analysis of the current position of the internationalisation of Swedish security and defence policy.

The purpose of this study is to describe and analyze how auditors are affected by quality controls and if audit practice changes because of quality controls. To fulfill the purpose of this study there has been interviews made with five auditors. The conclusion by this study is that the interviewed auditors work practices are affected by quality controls and that the extent and effect depends on the auditor and the office that the auditor works in. The auditors who worked as quality reviewers at the agencies where they are employed at, we felt that they were more secured in the response towards quality controls. This may be because they are quality reviewers themselves and they know what the quality control requires and what must be met to be approved.

This paper presents empirical evidence on the determinants of interest rate swap spreads in Sweden during the period 1999-2003. The results suggest that the spread between STIBOR and the general collateral repo rate is positively related to shorter maturity swap spreads. The risk premium associated with commercial bonds is positively related to swap spreads of all maturities. A negative relationship is observed between the term structure of interest rates and swap spreads. The short-term interest rate is positively related to spreads with shorter maturities.

The purpose of this study was to give a picture of how some adults, who earlier was placed in foster homecare, experience that their childhood have affected them during their life. I also wanted to see how the relationship to the biological family has been and developed during the placement. The study has also purposed to receive a deeper knowledge of how it could be to grow up in foster care. To make the purpose of this study complete I chose to use qualitative interviews as a research method. Four adults who earlier were placed in foster homecare have participated in this study.

The purpose of this thesis is to examine whether institutional ownership has an influence on CEO compensation in companies where the institutions have invested. In order to fulfil the purpose of the thesis a quantitative study was carried out within the Swedish corporate context where we have studied Swedish institutional investors and companies quoted on the Stockholm Stock Exchange. Our period of study was the financial year of 2007.The empirical questions at issue is; Was there a connection between Swedish institutional ownership and the size of the CEO compensation, and, does Swedish institutional ownership lead to a certain type of CEO compensation in terms of structure?Our results did not suggest that an increased institutional ownership neither leads to a certain type of salary level nor a certain kind of salary structure. These results contradict earlier American research, which has been done within this area and has previously shown a secured connection.The reasons for our results may be many and it is difficult to state any concrete conclusions to why we received differing results.

Växjö University, School of Social SciencesBachelor ThesisTitel: Minijob ? en tysk arbetsmarknadspolitisk åtgärdAuthor: Hanna PeterssonSupervisor: Lennart BergfeldtI?ve made a descriptional evaluation of the tax-free low-income action from Germany, Minijob. If the employees earns maximum 400 ? a month they don?t have to pay any tax. The employer pays an employer?s fee of 30 %.

In the proposition Nya förmånsrättsregler, 2002/03:49, the government suggests a new bill of beneficial rights, or FRL. The proposition has several changes, mostly for The Banking system. One of the changes is that the banks´ individual beneficial rights shall be replaced by a general beneficial right, where the beneficial value never exceeds 55 percent of the value of insurance bonds. Previously, the beneficial value was 100 percent.The purpose of this essay is to evaluate the relationship between the banks´ activities, and the new bill of beneficial rights, especially what the effects will become for the public companies within the printing houses, with 1 - 49 employees in the Skåne Region.The survey includes a total of 142 companies and it was distributed via e-mail. The conclusions from the study are that there are tendencies of increased difficulties for companies to get their credits granted by the banks.

Syftet med studien är att undersöka hur skolmedling kan ses som en effektiv och nyanseradmetod för konflikthantering i grundskolan. Vi tar även del av kompissamtal, som är en redanetablerad konflikthanteringsmetod i skolan för att på så sätt se hur skolmedling kan bli enkompletterande konflikthantering till detta. Studien bygger på tio intervjuer varav fem ärenskilda och de resterande är gruppintervjuer. Intervjufrågorna behandlar skolmedling utifrånperspektiv såsom frivillighet/ofrivillighet, medlarens neutralitet, distans/närhet, skam, makt,kön och ålder samt kritik/hinder. Det insamlade materialet visar att samtliga respondenterställer sig positiva till skolmedling som metod men att information och kunskapsspridning ommetoden är bristfällig.