In this paper the authors are trying to understand what separates men from women when they save and invest their money. But also what factors that influence them in their decisions. To investigate how men and women actually act when investing their money the authors construct a survey. The authors also turn to the Swedish banks for information on how they think there customers are behaving. The authors find that men are more risk- taking than women and therefore invest more in products with higher risk, for example shares.

Due to traditional beliefs about biological differences between the sexes, the sex ratio is abnormally uneven in northern parts of India. There is a combination of old methods like female infanticide and new technologies, which make selective abortion possible. The strong practices of dowry transform daughters to economical burdens to their parents. They face mortal danger before, at and after birth. With rapid economical progress and advanced technology, India is a country in progress.

Purpose: The study examines the risk a rising from the acquisition of shares, and its relation to the expected return. We would like to see how a high-risk portfolio is related to a low-risk portfolio. Although studying the portfolios annual performance.Theory: The theories that have been used in the study are, Capital asset pricing model, CAPM and portfolio theory.Method: The study is based on a quantitative method, the time interval is from 2008 to 2010.The annual reports, historical stock prices for companies and the index are used to perform calculations based on the essay theories.Conclusion: The beta value has positive liner correlation with the expected return. When there are bad times in the world, the companies are negatively affected regardless of industry. The Portfolios developed in the same direction during the time period..

The aim of this study is to explore hiphop music as an aspect of youth socialization and the relationship between music creation and identity. The study is conducted through five semi- structured qualitative individual interviews. Our theoretical starting points are Putnam?s (2000) bridging and bonding social capital symbolic interactionism. We also have used a model of learning presented by Fornäs, Lindberg and Sernhedes (1989).

This report contains a study of replacing nuclear power with biofuel. The nuclear plant, OKG north of Oskarshamn in Sweden has been chosen and an extensive literature study about the nuclear plant has been implemented. The main aspect of this report is the availability of biofuels and whether it would be economically sustainable. Sweden?s most common biofuels are examined with regard to scope of use and potential.

Family centres are established to serve families with children and the personnel usually consists of units of social-workers, preschool staff, paediatric nurses and midwives. The purpose of the study was to examine the social-workers preventive work with families at the family centre. To fulfil the purpose, a qualitative interview with five social-workers was conducted. The theoretical framework referred to attachment and empowerment theory. The results of the study showed that the main part of the work consists of giving advice and support to parents.

Differences between groups or individuals in a society with regards to access to information and communication technologies (ICTs) are known as the digital divide. The digital divide pertains to differences in physical access to computers and the Internet as well as knowledgein using technology. Important factors affecting the digital divide are disabilities, age, gender, socioeconomical background, ethnicity and geography. The digital divide appears on several levels: internationally, nationally, regionally and locally. Individuals who, for some reason, have limited or no access to information and communication technologies risk, among other things, to experience social exclusion.

Several industrial scandals, especially those about Enron and WorldCom, have lead to an intense debate about the independent audit and the independent auditor. A substantial part of the auditor?s income originates from counselling, and therefore the role of the auditor may be seen as double, and the auditor?s objectivity may be questioned. In the year of 2002, a new Auditors Act was legislated in Sweden. In the 21 § of the act, a model based on principles was introduced, to test the auditor independence in every single case.

The purpose with this study is to compare different systems of grain storage from a financial point of view. Grain that is supposed to be fed to laying hens. The systems that were compared were different airtight storage of grain and a system of conventional storage. To make this case study I choose to compare four different systems. In the case study there was one system with bin drying of the grain, two systems with airtight storage of the grain and one system where you buy dried grain during the season. I made several of capital investment appraisal where I found the cost of each system, then I took the cost and divided it with the total grain use and calculated the cost for each kilogram of grain, and also the cost of the feed. Then I compared the cost from my case study with the cost of buying feed. All the systems except for one, gave a lower cost for the hen feed than buying feed from a dealer The best system, witch were bin drying lower the cost with about 80 000:- SEK.

Labour and its conditions is a subject constantly in focus. Therefore this study aims to shed some light on different factors which constitutes the basis for the definition of optimal labour conditions, as well as creating a need for change of labour conditions. In this case these factors are changes in society and cultures. The study describes how different levels of society - government, employer and employee ? are affected by, or wishes to affect the labor conditions in terms of location, working hours and leisure.

Background: Increasingly, companies choose to finance their business with corporate bonds which has resulted in an increased demand on credit ratings. As such the rating agencies have a very important role in the financial markets. Examining the value of a credit-rating can be very interesting for both issuer and investor. Purpose: The purpose of the study is to identify and define the value of rating. Execution: The study is built upon nine interviews with rated and non-rated firms and investors.

The media industry in general and the newspaper in particular is going through major changes ? technological, logistical, economical ? due to the dropping sales and width of the printed daily newspaper. Few organisations have been spared the necessary rationalizations and cut-downs in staff. All of them are expected to produce more and better content, in more and new channels and platforms, with less resources. Some have been preparing for this a long time, others have never entered the digital world of news.

When contemplating entering an alliance the rationale behind the decision should differdepending on the size of the companies involved as well as on other important factors. The importantfactors influencing the decision are related to the resource pooling potential of the alliance,the power structure along with the business network the companies are a part of. Theanalysis has shown proof of a need for cooperation if one wish to succeed in the telecommunicationindustry and it has also determined which resources that are deemed to be most important toget in touch with, for our study object, to facilitate its access to the market. Those resources aredefined as a direct channel to the customer, funds/capital and the access to relevant businessnetworks. To get in touch with these lacking resources, three alternative approaches has beenproposed; all of them involving a strategic alliance decision.

We have through our theoretical framework been able to create a simplified measuring tool for a KIZ; the S-TKL. We have found that the S-TKL is possible to implement on the Öresund Region but with some flaws. Even though the Öresund Region has implemented the mindset of a KIZ, accurate statistics are in some areas hard to find. We can also through our empirical findings say that it is difficult to use the S-TKL on Shenzhen. The data we have found gives a good indication of both of the regions.

Farmers? main reason for crossbreeding dairy cows is that they have seen a decline in functional traits, especially in the Holstein breed. Throughout crossbreeding, the farmers can combine functional and production traits of different dairy breeds and utilize the heterosis effects which emerge when two or more breeds are crossed. Results from different studies with Holstein crossed with Jersey, Brown Swiss, Normande and Scandinavian Red have shown that the crosses had higher fertility, longer productive life, had fewer stillborn calves and had easier calvings than purebred Holstein. The Holstein crosses have shown very good results and sometimes even better than the purebred Holstein for fat production, which gave higher amount of energy corrected milk (ECM) and higher income for the farmers.