Public sector organizations are important producers of the core geographic information (GI). Data sharing is aggravated by e.g. highly varying policies to sharing and pricing the data. For instance, since the governmental data producer sets the price level high, it seems to restrict innovative...

Public sector organizations are important producers of the core geographic information (GI). Data sharing is aggravated by e.g. highly varying policies to sharing and pricing the data. For instance, since the governmental data producer sets the price level high, it seems to restrict innovative...

The share of private consumption in gross domestic product is significant; therefore, private consumption has a great influence on economic growth, which makes it a major concept in economics. The purpose of the paper is to estimate and evaluate different forecasting models for private...

Elderly people could markedly increase they standard of living by releasing their housing equity. Purchase of a single-payment life annuity would increase the benefits of this release. The tax treatment of these annuities is, however, very strict in Finland, because both yield and capital are...

We study the extent to which retired households in Finland could supplement their mandatory pension benefits by releasing their equity. We also consider the tax treatment of different financial products that turn wealth into an income stream. In addition, we use a life cycle consumption-savings...