<p> This thesis examines the change in housing tenure in the City of Toronto. The trends of tenure are described briefly between 1951 to 1971, for the city, as well as for the CMA. Specifically examined is the period from 1971 to 1988, in the City of Toronto. </p> <p> There is a continual decline in the rate of home ownership from 1951 to 1971, even though the absolute number of homeowners is increasing. This can be seen in the city, as well as the suburbs, and outlying areas. The overall decline in the rate may be due to the apartment boom of the 1960's, which can be associated with the baby boom from a few years earlier. Also suburbanization was occurring which certainly had an effect on home ownership. </p> <p> Similarly, ownership rates continued to decline between 1971 to 1986, although the absolute numbers were higher than tenants, and was steadily increasing. Gentrification and condominium construction certainly was associated with this absolute increase in home ownership. A closer look at the city reveals certain census tracts are increasing in home ownership at a higher rate than others. By looking at certain demographic characteristics, it is possible to see the changing social geography of these areas. </p> <p>The period 1986 to 1988 incurred tremendous condominium construction. The city during this time increased in ownership rates. Changing lifestyles and desires of the people living in the city caused a demand for condominiums. </p> <p> It is important to examine these trends and patterns of the city and the outlying areas to be kept informed of the changing social and economic geography of the city. </p> / Thesis / Candidate in Philosophy

The aim of this paper is twofold: 1) to examine the determinants of residential energy expenditures and compare them on a regional level; and, 2) attempt to identify and measure the effect of possible principal-agent (PA) problems on residential energy efficiency in Austria. The results of this paper are partially based on findings from a master's thesis, which focused more directly on the PA problem. This paper expands on those results to include regional aspects in energy expenditures. A conditional demand model is regressed on a large number of variables representing housing characteristics, socioeconomic factors, occupancy type, and regional characteristics sourced from the EU Statistics on Income and Living Conditions dataset. The analysis indicates that significant regional differences exist in the determinants of residential energy expenditures and that PA problems appear to be an unimportant factor in energy efficiency in Austria, even at the regional level. The paper concludes with some possible explanations as to why this is the case.

Essay 1: Swedish micro and macro data on internal migration indicate that home-owners on average have a higher propensity to migrate to other labour market areas in response to higher unemployment and job vacancy rates than renters and tenant-owners. This is evidence that owning your home does not constrain labour mobility across labour market areas in comparison to other forms of housing tenure. The response to high local job vacancy rates indicates that migration in general is driven by differences in matching efficiency in local labour market areas rather than a pure response to high local unemployment. A third finding is that at higher levels of aggregation high unemployment is associated to high levels of home-ownership as previous researchers have found. The suggested explanation for this correlation, i.e. that home-ownership constrains mobility of individuals, however, seems falsified in Sweden by our results. Essay 2: Swedish micro and macro data on internal migration indicate that interregional migration responds to regional labour market conditions and individual unemployment. Migration is found to go from relatively high unemployment and high job vacancy to low unemployment and low job vacancy regions contrary to earlier research. The response to job vacancy rates indicate that migration responds to differences in local Beveridge curves and migration goes towards better matching efficiency. Unemployment on the individual level is found to increases the propensity for interregional migration.

Housing deprivation is an important dimension of poverty. It is thus a key challenge of policy makers to secure decent housing. The purpose of this paper is to analyze the link between housing tenure types and housing deprivation in 24 European countries. Empirical analyses are based on EU-SILC 2007, enabling comparisons of deprivation across a large set of countries. A multilevel framework is employed. Two competing hypothesis are evaluated. First, whether a rental sector targeted towards low-income households, known as social housing, is successful in achieving adequate housing standards. Second, if a unified rental system covering broader income groups lowers the risk of housing deprivation. Housing deprivation is measured in terms of experiencing overcrowding and while also exhibiting any of the following deficits: a leaking roof; no bath/shower; no indoor toilet; or a dwelling considered too dark. Findings indicate a negative association between the size of the rental sector and the prevalence of housing deprivation. The organization of the rental sector appears most crucial and only the strategy of a rental sector encompassing broader parts of the population significantly reduces the prevalence of housing deprivation and its latent components. The association is robust in terms of confounding factors at the individual level and central country level contextual variables.

I början av 2014 infördes ett nytt regelverk för hur företag och ekonomiska föreningar ska avsluta sina räkenskapsår. Inte förrän media började rapportera om problemet tidigare i år har diskussionen satts igång och flera organisationer har gjort uttalande och förenklingar. De har visat sig vara svåra att tolka och implementera och för en del bostadsrättsföreningar kan tillämpningen vara ödesdiger. Valet står mellan två regelverk i det så kallade K-projektet. Syftet med studien är att utifrån bostadsrättsföreningarnas perspektiv utforska vilka faktorer som påverkar och hur de påverkas beroende av redovisningsvalet styrelsen gör. Detta kommer utföras genom att studera ekonomiska förvaltare som förser föreningarna med rekommendationer och information. Studiens problemformulering är därför vilka faktorer påverkar föreningarnas val av regelverk. Studien kommer utgå från ett abduktivt resonemang vilket är väsentligt för en explorativ studie. Tillsammans med teorier om rationella beslut, principal-agent förhållande, intressenter och risk, kommer vi att skapa en förståelse för hur föreningar fattar beslut. För att uppnå detta mål och få en bra helhetsbild kommer vi att utgå från kvalitativa undersökningar med semi-strukturerade intervjuer. För att styrka studiens tillförlitlighet utgick vi ifrån tillförlitliga metoder som är en central del för en god forskning. Vi har varit konsekventa och opartiska där vi utgick från samma material vid samtliga intervjuer för att forskningsfrågan ska anses korrekt framförd. Genom att analysera empirin har vi kunnat skapa exempel på möjliga scenario i resultaträkningar för att enklare kunna göra kopplingar till teorin. Resultatet av studien konstaterade att det är flera faktorer som påverkar valet som styrelsen gör. Det visade sig att styrelsen är beroende av information utifrån och att det finns flera intressenter som har ett egenintresse i valet. / In early 2014 introduced a new framework for how companies and economic associations must end their fiscal year. Not until the media began to report on the issue earlier this year, the debate has been launched and several organizations have made statements and simplifications. They have proven to be difficult to interpret and implement, and for some housing associations, the application may be fatal. The choice is between two sets of rules in the K-project. Depending on the choice that the Board make, the consequences of the different choices differ markedly. The purpose of the study is that the basis of condominium associations' perspective, exploring the factors that influence and how they are affected, depends on the accounting elections board does. This will be carried out by studying financial managers that provide boards with information and recommendations. The problem of the study is therefore what factors affect board election of the regulations. The study will be based on an abductive reasoning which is essential for an exploratory study. Along with theories of rational decisions, the principal- agent relationship, stakeholders and risk, we will create an understanding of how associations make decisions. To achieve this goal and get a good overall picture, we will start from qualitative research with semi-structured interviews. In order to prove the reliability of the study, we started from reliable methods that are a central part of good research. We have been consistent and impartial where we started from the same material at all interviews, to research the matter shall be correctly performed. By analyzing empirical data, we have been able to create examples of possible scenarios in the financial statements for easier linkage to theory. Results of the study found that there are several factors affecting the choice that the board does. It turned out that the Board is dependent on information from outside and that there are multiple stakeholders who have a vested interest in the election.

I början av 2014 infördes ett nytt regelverk för hur företag och ekonomiska föreningar ska avsluta sina räkenskapsår. Inte förrän media började rapportera om problemet tidigare i år har diskussionen satts igång och flera organisationer har gjort uttalande och förenklingar. De har visat sig vara svåra att tolka och implementera och för en del bostadsrättsföreningar kan tillämpningen vara ödesdiger. Valet står mellan två regelverk i det så kallade K-projektet.Syftet med studien är att utifrån bostadsrättsföreningarnas perspektiv utforska vilka faktorer som påverkar och hur de påverkas beroende av redovisningsvalet styrelsen gör. Detta kommer utföras genom att studera ekonomiska förvaltare som förser föreningarna med rekommendationer och information. Studiens problemformulering är därför vilka faktorer påverkar föreningarnas val av regelverk.Studien kommer utgå från ett abduktivt resonemang vilket är väsentligt för en explorativ studie. Tillsammans med teorier om rationella beslut, principal-agent förhållande, intressenter och risk, kommer vi att skapa en förståelse för hur föreningar fattar beslut. För att uppnå detta mål och få en bra helhetsbild kommer vi att utgå från kvalitativa undersökningar med semi-strukturerade intervjuer. För att styrka studiens tillförlitlighet utgick vi ifrån tillförlitliga metoder som är en central del för en god forskning. Vi har varit konsekventa och opartiska där vi utgick från samma material vid samtliga intervjuer för att forskningsfrågan ska anses korrekt framförd.Genom att analysera empirin har vi kunnat skapa exempel på möjliga scenario i resultaträkningar för att enklare kunna göra kopplingar till teorin. Resultatet av studien konstaterade att det är flera faktorer som påverkar valet som styrelsen gör. Det visade sig att styrelsen är beroende av information utifrån och att det finns flera intressenter som har ett egenintresse i valet. / In early 2014 introduced a new framework for how companies and economic associations must end their fiscal year. Not until the media began to report on the issue earlier this year, the debate has been launched and several organizations have made statements and simplifications. They have proven to be difficult to interpret and implement, and for some housing associations, the application may be fatal. The choice is between two sets of rules in the K-project. Depending on the choice that the Board make, the consequences of the different choices differ markedly.The purpose of the study is that the basis of condominium associations' perspective, exploring the factors that influence and how they are affected, depends on the accounting elections board does. This will be carried out by studying financial managers that provide boards with information and recommendations. The problem of the study is therefore what factors affect board election of the regulations.The study will be based on an abductive reasoning which is essential for an exploratory study. Along with theories of rational decisions, the principal- agent relationship, stakeholders and risk, we will create an understanding of how associations make decisions. To achieve this goal and get a good overall picture, we will start from qualitative research with semi-structured interviews. In order to prove the reliability of the study, we started from reliable methods that are a central part of good research. We have been consistent and impartial where we started from the same material at all interviews, to research the matter shall be correctly performed.By analyzing empirical data, we have been able to create examples of possible scenarios in the financial statements for easier linkage to theory. Results of the study found that there are several factors affecting the choice that the board does. It turned out that the Board is dependent on information from outside and that there are multiple stakeholders who have a vested interest in the election.

Diploma thesis on subject of "Decisioning about living and the of way financing it" is covering whole process of financing your living. This involves choosing the type of living, the form of funding this living and the way to get a loan, either non-life or life insurance. The goal is to review the whole process of acquiring the proper living and finding the crieria upon which is good to go by while chosing a living and its financing. Every aspect of this will be shown on concrete example with help of desicion making tree and analysis of the financial market.

Magister Philosophiae - MPhil / African female migrants make up a large portion of the population in general and in South Africa in particular. This includes both the documented and the undocumented female migrants. Nonetheless, they are confronted with a housing challenge in the countries of destination. This study seeks to examine the types of housing, the methods of housing acquisition, and the size of housing that African female migrants have access to. This study used secondary data of the 2001 and 2011 Population Censuses, gathered from the (Statistics South Africa (Stats SA) database to look into African female migration and housing acquisition in South Africa. The study used the Chi-square test statistic to measure the relationship between the variables of interest.

This dissertation seeks to develop the subject of local public finance in a manner consistent with the political economy of local governments. For ease of description, each essay will be discussed briefly. The first essay is titled "The Provision of Generalized Local Public Goods Financed by Distortionary Taxation." This essay models the provision of a local public good that is simultaneously utilized as a public consumption good and a public intermediate good. Since the public good can simultaneously enter both utility and production functions, it is considered a "generalized public good." This is done to model the provision of infrastructure by sub-federal governments, which is financed with taxes on local residents. A theoretical analysis provides a cost-benefit rule for public good provision by a rent-maximizing local government facing mobile households. Illustrative calculations of the marginal cost of public funds are provided. Calibrated to U.S. data, the role of intergovernmental transfers on the provision of infrastructure by rent-maximizing local governments is analyzed. Theoretical evidence of the higher responsiveness of local governments to matching grants relative to lump-sum grants is provided. The second essay is titled "The Impact of Local Households' Housing Tenure on Local Public Debt Levels." This essay investigates the relation between local housing tenure and local public debt. It does this by establishing housing tenure as a theoretical basis for the potential differences in how households view public debt. Homeowners capitalize the burden of local public debt into their home value, while renters do not. A hypothesis is generated that an increase in the renter share of households in a locality leads to higher levels of local public debt, all else equal. Using an instrumental variable approach, the empirical evaluation shows an increase in the proportion of renters leads to higher levels of public debt in a panel data set of U.S. local governments. Specifically, a one percentage point increase in the percent of renters increases unfunded public debt per household by $400, or about 7% of the average local debt level, and 24% of the county with the median debt level. This relationship is robust across multiple specifications. The third essay is titled "A Spatial Econometric Analysis of Local Households' Housing Tenure on Local Public Debt Levels: Implications for Federalism." This essay extends the model of the second essay by measuring the spatial spillovers using a spatial autoregressive model with autoregressive disturbances. The existence and magnitude of local government spillovers related to local public debt levels are used to inform policy makers at higher levels of government. The analysis identifies possible geographic segmentation of the municipal bond markets and the role of special district debt as a key component of the spatial distribution of local public debt. Additionally, a positive spatial disturbance is found.

Housing is a basic requirement for all individuals in every country. Being one of the main tools of urban planning, housing contains different social, economic, psychological, and design aspects, and it attracts attention of different disciplines. A review of the theoretical models, data, and empirical methods reveals deficiencies in all areas of housing sector in Turkey. Especially, there is an important gap in the literature about housing tenure choice. A new research agenda focusing on households&rsquo / tenure choice is needed with the help of models to be developed for this purpose. In this thesis, it is aimed to identify this model by focusing transition from tenancy to homeownership, and by choosing Ankara as the case study. The thesis has two main steps. In the first step, different economic ways of shifting from tenancy to homeownership is examined by using the data of Household Budget Survey (2003) from Turkish Statistical Institute. In the second step, the thesis examines effects of different socio-economic factors on the probability of shifting from tenancy to homeownership, and the way in which the impact of these drives might change with different forms of housing provision with the help of a survey carried out in Yenimahalle and &Ccedil / ankaya. Results of calculations show that housing credits do not offer new homeownership opportunity for households who are not able to purchase a dwelling by saving their incomes in Turkey. The first step illustrates that, households earning less than 1 000 TL per month have no chance to afford a dwelling in Ankara. However next step highlights an irregular mechanism which enables these households to shift to homeownership in Turkey.