The subject of this thesis is to determine the insurance indemnity after a storm on real estate. The first theoretical part is focused on definitions of basic terms in the field of real estate and insurance. The second part is practical, which deals with the valuation of the assessed construction cost method, ensuring the necessary costs for repair. Subsequently, the amount of the insured property value is determined.

The work deals with several theoretical methods of valuation of real estate and the actual valuation of a property using these methods in order to use the evaluation for insurance purposes. It also deals with legal aspects regulating the issue of a valuation. In the practical part of the work, valuations of a nursing home and a house are carried out for comparison. For each case, one of the methods of valuation is used. In the following summary, the outputs are analyzed both for given examples separately and compared together along with data obtained from insurance companies.

The thesis "changes over housing finance" deals with changes that may occur in the course of financing credit products. Discusses the different types of changes and their impacts. The theoretical part deals with the current banking market in the Czech Republic, stating the mortgage loans and building savings, performance of individual housing finance products and their comparison. The practical part deals with the actual changes in the course of the housing finance model cases.

The thesis focuses on creation of precaution „Plan applicable in case of exceptional/unsafe incidents taking place at TJ Tesla swimming pool located in Brno”. The theoretical chapter(s) deal with legislative framework and related bills regarding leak of dangerous substances from buildings. It also deals with protection of population within the Czech Republic with regard to separate measures applicable according to the character of incident. The practical chapter(s) deal with analysis of risks within the premises and define the character of unsafe attributes of the risk sources. The various risks are therefore modelled in order to show the possible range of unsafe effects on population. These models are necessary to define the most effective protective measures applicable while exceptional/unsafe incidents occur. The aim of the thesis is to create the specific precaution plan as well as dispute the way the incidents of unsafe substances of below the legislative limit amount could be handled.

The aim of this diploma thesis is to determine the amount of indemnity for damage caused by a lightning strike to a house in the village Šebetov. The thesis is dividend into theoretical and practical part. The theoretical part deals with the basic concepts, associated with the topic. Furthermore, the approach of valuation of assets and insurance. The practical part uses theoretical knowledge addresses a specific case. First, the location is described, house and insured event (natural event – flash). Following the calculation of the time value immediately before the insured event, further costs are quantified to repair the damage incurred and then is detected current value after repairs. At the end, there is comparison of the time price comparisons of costs incurred for repairs and evaluation of the agreed sum insured in the insurance contract.

Abstract Title: Direct and indirect effect of notes – for actors in a stock market Background: Notes make up a significant part of the company´s annual report, but does this information have any major impact? On one side, notes should lead to less information asymmetry, which positively affects the stock market and financial analysts forecasting precision as well as this relationship depends on different contexts. The question is also asked if all information presented in the notes is too extensive, which creates information overload for financial analysts. Purpose: The purpose is to explain the effects of more information in accounting notes for actors in equity markets in different contexts that have the same accounting standard. Method: The study applies a cross-sectional design together with a deductive approach to investigate whether the amount of note information has a relationship with financial analysts forecasting precision, stock volatility and stock liquidity. For these relationships, moderating effects will also be tested. The hypotheses arose through theories of asymmetric information, effective market hypothesis, cognitive load theory and system-orientated theories. Conclusion: The study rejects the relationship between note information and errors in financial analyst forecast, stock volatility as well as stock liquidity. However, the results show a significant positive relationship between note information and error in forecasting precision. Financial analyst forecasting precision show that the relationship is affected by three different contexts. Despite the relationship between note information and stock liquidity were rejected when tested on the overall sample is the relationship affected by two different contexts. / Sammanfattning Titel: Direkta och indirekta effekter av noter - För aktörer på en aktiemarknad Bakgrund: Noter utgör en väsentlig del av företags årsredovisning men har den informationen någon större påverkan? På ena sidan bör noter leda till mindre informationsasymmetri, vilket påverkar aktiemarknaden och finansiella analytikers prognosprecision positivt samt att detta samband även beror på olika kontexter. Frågan ställs även ifall informationen som presenteras i notavsnittet är för omfattande, vilket skapar informationsöverbelastning för finansiella analytiker. Syfte: Syftet är att förklara effekten av ökad delgivande av information i redovisningsnoter på aktörer på aktiemarknaden i olika kontexter som tillämpar samma redovisningsstandard. Metod: Studien tillämpar en tvärrsnittsdesign tillsammans med en deduktiv ansats för att undersöka ifall mängden notinformation har något samband med finansiella analytikers prognosprecision, aktievolatilitet och aktielikviditet För dessa samband testas även modererande effekter. Hypoteserna uppstod genom teorierna asymmetrisk information, effektiva marknadshypotesen, kognitiv belastningsteori och systemorienterade teorier. Slutsats: Studien förkastar sambandet mellan notinformation och fel i prognosprecision, aktievolatilitet och aktielikviditet. Däremot visar resultatet ett positivt signifikant samband mellan notinformation och fel i prognosprecision. Finansiella analytikers prognosprecision uppvisar även att sambandet påverkas av tre olika kontexter. Trots att sambandet mellan notinformation och aktielikviditet förkastas när den testas på en övergripande nivå, påverkas sambandet av två olika kontexter.

Barn som utsätts för brott finner svårigheter med att berätta om vad deblivit utsatta för. På grund av detta är det av vikt att förhörsledaretillämpar förhörsmetoder som enligt tidigare forskning leder till att barnvågar berätta om vad de blivit utsatta för. Syftet med denna studie varatt undersöka vilka förhörsmetoder som används vid förhör med utsattabarn samt vilka metoder som genererar mest svar i form av svarsord.Studien har utgjorts av mixed methods där förundersökningsprotokolloch intervjuer med barnförhörsledare har analyserats. Analysen fann attöppna frågor och expanderande parafrasering genererar mest svarsord,medan öppna frågor och ledande frågor var de metoderna somtillämpades oftast. Förhörsledarna uttrycker i intervjuer att ledandefrågor är förödande och att de inte används i barnförhör, medan deeftersträvar att använda öppna frågor då dessa genererar längst svar frånbarnen. Resultaten diskuteras och likheter och skillnader tas upp. / Abused children have difficulties disclosing the crimes they have beenexposed to. With this in regards, it is important that interrogators useinterrogation methods that, according to previous research, leads tochildren telling about the abuse. The aim of this study was to explorewhich interrogation methods are used in interrogations with abusedchildren and which methods generate the most answers in the form ofamount of words. The study consisted of mixed methods wherepreliminary investigation reports and interviews with childinterrogation leaders were analyzed. The analysis found that openendedquestions and expanding paraphrasing generated the mostanswers in amount of words, while open-ended questions and leadingquestions were the methods that were most commonly used. Theinterrogators expressed in interviews that leading questions wereconsidered to be devastating and that they were not used ininterrogations with children, meanwhile they strived to use open-endedquestions since these types of questions generate the most answers fromthe children. The findings are discussed and similarities and differencesare addressed.

In the Swedish school system, English is one of three core subjects that are mandatory to pass at the end of year 9 to be able to engage in further studies in high school. However, English is not introduced at the same time in all schools. In fact, primary schools in Sweden can choose freely (between age 6-10) when they want to start introducing English to their students. The main purpose of this paper is to disclose if starting English education at an earlier age results in higher student scores on the total score and the three different parts of the National Exam for English in year 6. The National Exam scores from 14 different schools were collected and compared. 7 schools that introduce English in year 1, and 7 schools who begin their English education in year 3. The results from the statistical tests show that there is a significant difference between the two groups at the total score, speaking, and receptive skills. The early starters performed better on all parts. However, there was no significant difference between the groups in writing.

No description available.

No description available.