Alla individer som har arbetat och bott i Sverige omfattas av premiepensionen. Det innebär att individer i Sverige som betalar skatt tvingas till ett ställningstagande på den finansiellamarknaden.Många individer saknar kunskap om finansiell planering för att kunna fatta genomtänkta ekonomiska beslut för premiepensionen. Många sparare är av den anledningen i behov av hjälp och stöd, samt individanpassad information om finansiell planering. Under de senaste åren har konkurrensen inom den finansiella tjänstesektorn varit ett omdebatterat ämne. På grund av att kritik har riktats mot finansiella tjänster i anknytning till premiepensionen, saknar individer förtroende för den finansiella tjänstesektorn.

Integration is a phenomena that occurs in all societies that experience any form of immigration. This process is Dependent on how we analyze, both the groups of immigrants, and how we analyze the society in which they becoming integrated.Intersectionality is one method of analyzing this framework. By applying the categories: gender, class and race on the integration process, we get a more complex picture of the subject. Therefore we also become more able to adjust the actions and arrangement around the different questions of inte-gration.In this essay I try to explain what the intersectionality is, how it is used and how it can apply in integration as a specific subject. I also apply the intersectionality model on different policy documents from Malmö, Vellinge and Landskrona to find out if they show any awareness of this model both explicitly and implicitly..

The purpose of this thesis is to examine value creation in networks. Based on a case study of Livebookings Network, an online booking service. This thesis has an explorative nature. As a theoretical framework we use theories on value and network dynamics. By combining these theories we develop an operationalized framework that we use to analyze our empirical findings.

Our findings show that depending on the contextual setting and what sort of merger an organization goes through, the identity strategies will differ. We see that symbols and values are two objects of relevance in our case companies? identity strategies, but that there are differences in how they are being used. There is consensus around the fact that values are important to have, however their meaning to each organization differs and it has also proven to be Dependent on what position you possess in the company. We have developed a four-fielder in order to further illustrate our findings.

This report evaluates whether normal approximation or resampling is to prefer for estimating the distribution of the sample mean and functions of the sample mean. The evaluation relies on simulation studies. The observations of the sample are allowed to be differently distributed. In the case of sample means they are also allowed to be Dependent.For sample means the two approximations behaves very similar. The most important component whether we have a good or a bad approximation is how good the approximations catch the variance of the true distribution.

The aim of this qualitative study was to explore which inner conceptions about the abused older women the professional social workers had and how they experienced the enconter of an abused old woman in an intimate partner relation. The theoretical background is social construction by Berger and Luckmann. This theory was uset to analyze the transcribed interviews. This study is based on nine interviews with five professionals in social services, three volunteers from the voluntary sector and one social worker who worked in a community based support group for abused older women. The result of this study shows that older women were often abused, by a relative they were Dependent on, in their home.

Management consulting firms are Dependent on attracting and recruiting new talents since the human capital has a vital role in these types of organizations. In the following years a new generation, Generation Y, will to a large extent enter the labour market. According to several studies this generation has different characteristics than older generations.This thesis examines management consulting firms? views of Generation Y and which strategies they use to attract and retain the generation. The fact that the subjects are unexplored led the authors to conduct a qualitative study of seven management consulting firms through in-depth interviews.

This report evaluates whether normal approximation or resampling is to prefer for estimating the distribution of the sample mean and functions of the sample mean. The evaluation relies on simulation studies. The observations of the sample are allowed to be differently distributed. In the case of sample means they are also allowed to be Dependent.For sample means the two approximations behaves very similar. The most important component whether we have a good or a bad approximation is how good the approximations catch the variance of the true distribution.

The craft of planners are planning for a better future. Knowledge about climate change, environment, health and availability effects the trend towards less car Dependent societies in favour of public transport and active transport like walking and biking. This study takes place in Västerbotten, one of Sweden?s most north provinces with a population of 260 000 inhabitants. It is a sparsely populated area with two dominant cities, the other municipalities are largely unpopulated.

The purpose of my study is to investigate whether luck egalitarianism can be savedfrom its inability to draw a line between risks which can reasonably be expected to beavoided, and risk which can not. Such a demarcation is of particular importance forthis influential theory of distributive justice, since it serves to judge whether a personis entitled to compensation for a bad outcome of a taken risk, or not. Testing theintuitiveness and coherence of various contending principles for how to separateavoidable risks from unavoidable ones, I conclude that luck egalitarianism seemsunable to draw a clear line between the two kinds of risks. Instead the theory appearsto be Dependent on conceptions of a 'normal life', making it remarkably vague.Furthermore, I argue that luck egalitarianism seems unable to manage without takingsufficientarian and utilitarian concerns into account, for the purpose of decidingwhich risks are avoidable, and which are not..

AbstractThe intention of our study was to examine the meaning of home of elderly women and men and how they experience their getting older. We also wanted to see how elderly women and men experience to receive home-help-service in their own home. The study was based on qualitative interviews with elderly women and men. The informants were five women and four men between the ages of 60-84 years. They all had everyday help from the home-help-service.

This report evaluates whether normal approximation or resampling is to prefer for estimating the distribution of the sample mean and functions of the sample mean. The evaluation relies on simulation studies. The observations of the sample are allowed to be differently distributed. In the case of sample means they are also allowed to be Dependent.For sample means the two approximations behaves very similar. The most important component whether we have a good or a bad approximation is how good the approximations catch the variance of the true distribution.

This essay deals with development in Latin America. We have picked out some factors that the theories in development theory emphasize on. The first section of the study consists of a statistical analysis, were the main purposes are to study the relationship between the inDependent variables and the Dependent and to choose which two countries we should focus on in the next section. The countries we decided to study were Costa Rica and Nicaragua, because these countries have shown very different levels of development. From this study we have concluded that political stability, economical investements and human investments are the most important factors when creating development..

Hur en text ska utformas och förmedlas om man vill att den ska bevaras i minnet hos mottagaren och vad som väcker emotioner är frågor som den här studien vill söka svar på. Ett bekvämlighetsurval har använts och deltagarna har läst och lyssnat till olika texter. Efter varje text besvarades en enkät. Resultatet visar att utförandet av text och uttryck är beroende på om vi ska läsa eller lyssna till den. Vidare har ett samband mellan upplevd emotion och upplevd minnesförmåga noterats.

Purpose:        The intention of this study is to distinguish if there is a correlation between mutual funds administration fee and their return. The study will also observe if there is a difference regarding the return between active and passive management fees.Method:        The study is founded on a deductive approach because the study is based on existing theories. Quantitative research based on statistical data has been used. A correlation analysis has been applied to determine if there is a correlation between the chosen variables.Conclusion:   The conclusion of the study is that active management of funds mainly do not give a higher return than passive management funds. Neither is the administration fee Dependent on the risk a fund has..