This paper takes off in the rapidly growing fields of financial independence and financial literacy. We develop a model focusing on reaching financial independence during retirement and mitigate financial decision making for financially illiterate. The model is based on theoretical research within financial literacy, economic life-cycle and safe withdrawal rates. To ensure qualified monthly saving

The European Union has proved to be unable to efficiently deal with the refugee crisis that is devastating Middle East since 2011. The problem grew bigger in 2014 and 2015, when Syrian migrants illegally entered some frontier Member States, forcing the European Union to introduce a new relocation mechanism that is far from being more effective than previous solutions. To address this distributiona

How to work with and talk about sound as part the architectural expression.

This master thesis has been conducted at Alfa Laval in cooperation with the division of Production and Materials Engineering at Lund University. The objective has been to investigate virtual production with regards to its required resources, benefits and limitations of the technology. Work with production analysis, literature studies, creating a prototype, benchmarking led to our conclusion. Virt

In October 2016, the IACtHR issued the judgment of the case of Hacienda Brasil Verde Workers v Brazil. The case concerns the subjection of 85 workers to slavery-like conditions in a private-owned livestock farm located in the north of Brazil. Brasil Verde Workers v. Brazil was the first judgment of the IACtHR on the prohibition of slavery of article 6 ACHR. Moreover, it was also the first time tha

The aim of this research was to explore the consumer behavior of international students in the context of the choice for a higher education institution abroad in order to gain insights on their interactions with different online media communication channels during their decision journey. Previous research discussed the increased use of the internet during the application process for universities a

Hushållens skuldsättningsgrad är av intresse för en mängd instanser i samhället eftersom denna bland annat kan ge en bild av hur allvarligt en ekonomisk kris skulle drabba hushållen. Om man kan hitta en modell som väldigt väl förklarar hushållens skuldsättningsnivå kan man eventuellt också upptäcka potentiellt farliga situationer i ekonomin tidigare och då ha möjlighet att sätta in åtgärder mot deHousehold debts is interesting for a number of institutions in society. One reason for this is that it gives a picture of how severely a potential economic crisis might affect the country. If a model can be found which precisely explains the household debt levels, it can be used to predict dangerous situations at an earlier stage, so that resources to counteract the situation can be employed befor

In this paper we have looked at the effect good schools have on surrounding house prices, focusing on London. We consider both the effect of “% of students that meet expected standard in math, reading, and writing”, and the new “progression score” that the UK government has introduced. These two scores are used as the basis of how a school is defined as ‘good’. We used two different propensity sco

This paper introduces machine learning to automate the coarsening choices in coarsened exact matching (CEM) as a monotonic imbalance bounding matching class. I suggest to replace the otherwise arbitrary multivariate stratification process with a binary classification tree. This way, I can minimise potential bias caused by subjective preferences. By using the LaLonde (1986) dataset, I systematicall

The purpose of this study is to understand how alcohol culture in corridors is reproduced by applying Bourdieus and Durkheim's theoretical concepts. Furthermore, the study will analyze how people look at alcohol in relation to life situation, context, patterns of action and attitudes, which is important in understanding the statistics available and in order to counteract or encourage alcohol c

Utveckling av en modell för att öka livsmedelssäkerheten för mexikansk färskost Då säkerheten av livsmedel är väldigt viktig för alla individer, försöker industrin och forskare alltid hitta nya lösningar för att öka livsmedelssäkerheten. Hur kan man enkelt kolla flera konserveringsmedel samtidigt? Hur kontrollerar man att de fungerar? De här frågorna kan besvaras genom att studera hur bakterien Listeria monocytogenes is a pathogen, sometimes occurring in fresh cheese, such as Queso Fresco. Antimicrobials could be utilized to prevent the presence of L. monocytogenes in this type of cheese. In order to be able to screen and assess several novel antimicrobials simultaneously in the future, the validated miniaturized laboratory-scale model for Queso Fresco (MLQF) was further developed into a

This bachelor thesis examines the Swedish arms law and its development, by investigating its changes since it first was founded. The law applicable today was founded in 1996. It has been changed 22 times since then, where 13 of these changes had the purpose to prevent crimes where weapons are involved. Furthermore, this bachelor thesis also examines the knowledge behind the political arguments sta

Studien belyser hur returhantering behöver inkludera kundens perspektiv. Returhantering grundas idag utifrån effektivisering av returer och lönsamhet. Det finns behov av kundens perspektiv i returhanteringen för möjligheten av att förstå hur värde skapas och förstörs. Studiens syfte var att skapa en större förståelse för kundens perspektiv i returhanteringsprocesser och genom att undersöka fenomen

During the last decades, the issue of increased health care utilization and expenditures in the western world has been a highly debated topic in health economics. One potential explanation to this growth is the increased privatization and competition in the health care sector, which we have seen in many countries in the later years. In this paper, I study the impact of the Swedish Patient Choice R

Stock market movements forecast based on sentiment analysis is certainly a field worth investigating. Being able to build future investment strategies based on forecasted stock returns would be of tremendous importance for individual investors and high-frequency trading firms. This thesis aims to closely investigate the impact that tweet sentiments in Twitter have on stock market movements; it int

The European Parliament and the Council of the European Union have adopted the directive 2015/2366 payment services in the internal market by the name of PSD2 which forces banks to open up APIs on customers account information to third-party developers. The purpose of this thesis is to merge these so-called Open Banking APIs to a general API to ease the development of applications for the company

To create a society with sustainable development the use of our planets finite resources has to change, this is no less true for us in infrastructure. Every year thousands of tonnes of asphalt paving is ground up and most of it is not reused. The knowledge regarding the recycling of asphalt has gone forward recent years and today there is a couple of different dopes that claim to be able to reduce

In the urban society there are more and more hard surfaces that prevent the natural drainage of rain water. To lead the runoff of rain water and to avoid flooding it is crucial that the systems for drainage work properly. In the event of a storm drain being blocked, flooding can occur due to the rain water not being able to flow in to the storm drain. A system that can send an alarm when a storm d