Introduction: A general guideline was introduced on October first 2010 regarding a mortgage cap, limiting the degree of leverage of housing as collateral. Through the new guidelines the marked conditions concerning consumers? choice of mortgage has changed. The consumers are limited in the sense that they can?t only use mortgage when purchasing a house.

This final thesis was performed at Ericsson in Gävle between April and June of 2008. Ericsson is a world leading manufacturer of radio base stations (RBS), which handles mobile phone traffic with 2G and 3G technology. The main purpose of this study is to examine if two different types of products (RBS and site material) should have different terms and conditions, today the terms and conditions are the same for both types. During the course of our study we have tried to think of the terms reliability, validity and generalization. The intention in doing that was to keep the thesis at a high academic level. To name an example of this we have tried to keep our minds at an objective level during the interviews and informal conversations.

The aim of this master thesis is to investigate how parents? in multilingual families perceive language learning and reading for young children, and how their practice of this can be understood in relation to their language situation and cultural background.This study focuses on the interaction between parents? and young children in the light of the literacy practice. Important concepts such as early childhood literacy and family literacy have been used to study language, culture and literacy practice as phenomena that interact. The theoretical framework is a sociocultural perspective. Through qualitative interviews with seven parents?, it was found that multilingual families have a strong ambition for their children to learn all the languages spoken in the family.

The main purpose of this study was to examine if, and how, persons with psychological impairments have worse living conditions than the population average. The papers intention was to investigate and describe these conditions and to analyze them based on theories of stigma, and systems theory. This paper was composed on a qualitative study in which god men have been interviewed, in addition to accomplish the purpose. This study has highlighted the four individual areas of economy, employment, housing conditions and social relations. Results have shown that people with mental disabilities tend to live in worse living conditions than the population average.

AbstractThis thesis is a qualitative study that provides an insight into the Nordic offshore market, focusing on the North Sea and investigates indications of how the near future may develop in the area and how these developments may affect the Nordic seafarers. Questions central to the work are aimed primarily at how shipping companies, agencies and seafarers active in the offshore industry look at future activity in the North Sea, Nordic seafarers' status in the global labor market, and how today's employment conditions look like for seafarers in the global offshore industry. The majority of the information was collected through interviewes and questionnaires. The purpose of this study was to examine whether and how the expected development in the North Sea, in terms of availability of oil and gas, may have effect on the Scandinavian seafarers' future work prospects and employment conditions in the global offshore labor. The conclusions that have been drawn are that competition among seafarers in the offshore industry is higher 2015 than previous years (2000-2014) and are expected to increase.

A unified model of stress and affect consciousness was proposed. The connection between affect consciousness and perceived stress was studied. Teachers (n = 19) were interviewed using Monsens affect interview, followed one month later by a questionnaire containing Perceived Stress Scale (PSS), State-Trait Anxiety Inventory (STAI-S, STAI-T) and Twenty Item Toronto Alexithymia Scale (TAS-20).Statistical analysis showed no connections between level of total affect consciousness and perceived stress. Though there were some indications of a negative relationship between affect consciousness and trait anxiety. There were also indications, using a complementary analysis, of a connection between level of affect consciousness on the subscale distress in the interview and perceived stress.

The goal of this qualitative essay is to approach the knowledge of people who commit crimes. From a development psychology point of view, questions relating to childhood ang growth are some of the important subjects we choose to discuss. Our purpose is also to reveal the linkage between criminal behavior and different theories of the above mentioned perspective. To bridge the gap between the general and the individual, our survey was based on profound interviews with four inmates in prison. This offer an opportunity to capture the individual´s inner thoughts, feelings and experience about the criminal action.

AbstractAs a young offender in Sweden today you can be sentenced to juvenile care within the social services. Within the juvenile care it may be an option for these young offenders to undergo an affect program. That is a collective name for several types of structured programs that can include everything from conversations to visits. The purpose of this study was to create an understanding of which arguments there are for why these affect programs for young offenders is being used in three municipalities in southern Sweden. We authors found this interesting because of the lack of evidence for these affect programs.

Introduction: The current research shows that cannabis use is increasing, while alcohol use is decreasing in many countries. The reason for the increase is considered to be the increased availability and that adolescents attitudes towards cannabis has become more liberal. Aim: This qualitative study aimed to examine adolescents attitudes and knowledge about cannabis. Methods: Data has been collected from focus group interviews with adolescents aged 15-18 years, in a west Swedish municipality. Participants were recruited through visits to secondary and upper secondary schools.

The aim with this study is to through a research summary review experiences of growth and theparents caring ability among children who has grown up with parents having intellectual disabilites,and by empirical data illustrate how these persons today describe their childhood, their parentscaring ability and other cicumstances that have affected the growth. The results from the researchsummary are then to be compared with the results from the empirical data in purpose to reviewsimilarities and discrepancies.The study has a qualitative approach and it is based on foundings from earlier research andinterviews with four women whos mothers have intellectual disabilities.In the existing research of this issue there is a clear dichotomy between whether the researchershave focused on either the children or the parents. In both perspectives there are differentconceptions about whether a person with intellectual disabilities have the capacity to care for andraise a child, as there is about how the parents intellectual disaparment affects the child.The womens stories of the childhood are obviously unique, but they also have many experiencesin common, both among themselves as with what has been found in research. Children of parentswith intellectual disabilities have been classified as a risk group, wich has been shown by reversedroles for child and parent, lack of attachment to the parents and by insufficient care. Despite thedifficulties that the women have faced, they describe many parts of their lives in positive termstoday.There seems to be other influences in addition to the parents intellectual capacity that affect theesechildrens outcomes.

The purpose of this study was to investigate how an ADHD diagnosis late in life as an adult can have effected childhood and adult life. It is a qualitative study executed by interviewing four adults, two men and two women. The individuals in the study had all experienced difficulties in their childhood and in school and had all felt different from the rest of the ambient. None of the interviewees were on medication for ADHD but most were open for trying. Support from school or other settings had been minimal.

In this study the overall aim is to find conditions for greater inclusion of pupils with SEN in X county by investigating teachers' attitudes and views on inclusion. What are the variables that may affect teachers' attitudes towards inclusion. The variables that will be studied include gender, workexperience, what age of students teachers work with and teachers' subjectknowledge. It is based on a system theory perspective with a pragmatic approach to explore how groups of activities involving or affecting each other. It is a quantitative study with a surveys selected as the method.

Background:IT development has in recent decades been fast progressing. In Sweden many schools have begun to invest in IT and new technologies. What happens at the schools that are investing in IT equipment and modern technology?Purpose:The purpose of this study is to elucidate the conditions for and the success factors and barriers that principals and teachers will experience in IT. Principals' experiences are complemented and mirrored against the teachers.

Our post-modern society is being continually more characterized by the working life, where corporate relations and the understanding of human momentum, limitations and knowledge is the basis of the quality of the corporation. In other words, it is of the greatest importance to keep in mind the attitudes, behaviour, stress levels and motivations that constitute a good working environment. We find it interesting to study what social psychological approaches and social processes could be of importance to good cooperation. The research has its starting point in a qualitative method focused on semi- structured interviews, where we have interviewed eight respondents working within the psychiatry. The research has strengthened our pre-understanding but also made clear the existence of other social processes and approaches that affect cooperation.

Benign Childhood Epilepsy with Centrotemporal Spikes - BCECTS is a common neurological syndrome but the possible cognitive effects are still relatively unknown. In the study 12 children with the diagnose BCECTS, 9 boys and 3 girls between the ages of 5,5 and 13,5 years, were examined. An extensive battery of neuropsychological tests were administered. The results indicates normal cognitive functioning as compared to the normal population, with one exception; an aspect of attention. But the results also indicate several negatively effected performances when compared to the cognitive g-factor of each child.