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Farið er yfir nokkar helstu þætti varðandi lífeyrissjóði á Íslandi næstu árin. Erlendar fjárfestingar, 3,5% ávöxtunarkrafan og hlutfall fjárfestinga í verðbréfum með föstum tekjum og breytilegum tekjum er tekið til skoðunar.
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Farið er yfir nokkar helstu þætti varðandi lífeyrissjóði á Íslandi næstu árin. Erlendar fjárfestingar, 3,5% ávöxtunarkrafan og hlutfall fjárfestinga í verðbréfum með föstum tekjum og breytilegum tekjum er tekið til skoðunar.
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Icelandic culture has generally been considered to share many similarities to the Nordic cultures. However, the financial crisis in 2008 painted a completely different picture, with the Nordic nations faring much less worse than Iceland, which saw its banking system becoming almost entirely worthless. Looking at traditional cultural yardsticks in the vein of the most commonly used research in the field of business and organizational management, generally linked to Hofstede´s dimensional studies, one would at first glance conclude that Icelanders would have behaved in a similar manner as people in the Nordic nations. By focusing on savings ratio, it is shown that Icelanders were much more risk-seeking during the prelude of the crisis. Many nations badly hit during the 2008 financial crisis have a high level of individualism inherent in their culture. Iceland fits this scenario. Thus while general cultural characteristics may lack explanatory power regarding economic behavior of people between cultures, the individual/collective cultural dimension may provide clues of what dangers (and possible strengths) lurk within societies from a financial point of view. Such developments may affect the financial stability of nations, especially those with a high level of individualism where financial liberalization with possible abuses is occurring.
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Hugtakið tvísýnleiki (e. precarity) hefur á síðustu árum verið notað í auknum mæli erlendis, m.a. til að lýsa viðkvæmri stöðu einstaklinga á leigumarkaði. Í slíku samhengi dregur hugtakið fram hvernig formgerðir samfélagsins gera stöðu sumra einstaklinga viðkvæma og undirstrikar mikilvægi þess að setja reynslu þeirra í vítt samhengi. Þessi grein fjallar um íslenskan leigumarkað og gagnsemi hugtaksins til þess að skýra hvort og hvernig uppbygging leigumarkaðarins síðastliðin ár skapar leigjendum aðstæður sem einkennast oft af óöryggi. Teflt er saman megindlegum og eigindlegum gögnum, þ.e. tölfræðiupplýsingum um umfang og ástand leigumarkaðarins, sem og reynslusögum leigjenda sem safnað var með viðtölum árið 2020. Viðmælendur voru bæði Íslendingar og einstaklingar af erlendum uppruna búsettir á Íslandi. Bent er á að séreignastefna hefur löngum einkennt hérlendan húnæðismarkað og staða leigjenda er oft á margan hátt tvísýn.
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Rannsóknir á ferðamennsku til Íslands hafa verið í uppgangi síðastliðin ár, en verulega skortir á rannsóknir á utanlandsferðum Íslendinga. Hvort tveggja er þó hluti af þeim hnattræna veruleika sem Ísland er hluti af og vettvangur margvíslegra efnahagslegra gjörninga. Greinin fjallar um ferðir Íslendinga til Kanaríeyja og spyr hvað einkennir ferðir Íslendinga til Kanaríeyja síðasta áratuginn og hverskonar áfangastaður Kanaríeyjar er fyrir Íslendinga. Greiningin styðst við megindleg gögn, þ.e. niðurstöður spurningakönnunnar og greiningu á fyrirliggjandi gögnum frá Hagstofu Kanaríeyja og Ferðamálastofu Íslands. Rannsóknir erlendis endurspegla að spænsk yfirvöld hafa reynt að leggja áherslu á að Kanaríeyjar hafi upp á meira að bjóða en eingöngu sólarlandaferðir. Jafnframt sýna erlendar rannsóknir að mörk milli þeirra sem eru ferðamenn, aðfluttir, eða sem vinna á eyjunum eru oft óljós og flæðandi. Greining megindlegra gagna fyrir greinina sýnir að Kanaríeyjar hafa haft vaxandi mikilvægi sem áfangastaður fyrir ferðalanga frá Íslandi síðasta áratug og þá sérstaklega eyjan Tenerife. Aðdráttarafl Kanaríeyja sem áfangastaðar virðist út frá niðurstöðum könnunarinnar fyrst og fremst vera í tengslum við veðurfar eyjanna og afþreyingu, en bent er jafnframt á að rétt eins og annarstaðar getur hreyfanleiki til eyjanna falið í sér flæðandi hópa þar sem mörk ferðamanna, aðfluttra, eða vinnandi eru ekki alltaf skýr.
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Icelandic culture has generally been considered to share many similarities to the Nordic cultures. However, the financial crisis in 2008 painted a completely different picture, with the Nordic nations faring much less worse than Iceland, which saw its banking system becoming almost entirely worthless. Looking at traditional cultural yardsticks in the vein of the most commonly used research in the field of business and organizational management, generally linked to Hofstede´s dimensional studies, one would at first glance conclude that Icelanders would have behaved in a similar manner as people in the Nordic nations. By focusing on savings ratio, it is shown that Icelanders were much more risk-seeking during the prelude of the crisis. Many nations badly hit during the 2008 financial crisis have a high level of individualism inherent in their culture. Iceland fits this scenario. Thus while general cultural characteristics may lack explanatory power regarding economic behavior of people between cultures, the individual/collective cultural dimension may provide clues of what dangers (and possible strengths) lurk within societies from a financial point of view. Such developments may affect the financial stability of nations, especially those with a high level of individualism where financial liberalization with possible abuses is occurring.
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éG Get Sungið LíKa 2006 03 16
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líka mín altrödd yndisleg... Már Wolfgang Mixa 16.3.2006
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