Asset management in insurance companies differs from conventional asset management to the extent that respect has to be taken to both assets and the commitments the insurance company has towards its customers. A model that has proven to fit well regarding the matching of assets and liabilities is the Asset Liability Management Model (ALM model). In addition to the matching in the balance sheet, the ALM model can be used in a company's work with strategic portfolio allocation by applying it as a basis for analyzing investment strategies with expected risk and return. From this, the ALM model also becomes relevant for calculating key figures according to the legal framework Solvens II which includes laws and regulations regarding the demands on economical strength (solvens) of insurance companies.Hence, the goal of this masters thesis has been to, on behalf of Bliwa Livförsäkring, create an ALM model to support the asset management department of Bliwa in their work with defining a credible way of analyzing the future risk and return of Bliwa's asset portfolio and insurance undertakings.The ALM model generally consist of four submodels, the scenario model, the liability model, the asset model and the company model, where the scenario model often is named as the core of the ALM model. The course of action has been to develop these submodels individually, with focus on the scenario model.

Each student in elementary school will under current policy documents have an individual development plan (IEP) from 1 January 2006. The plan should primarily aim for a higher goal achievement, but also to the student to gain a greater understanding of their own learning process and knowledge. My experience is that some students, despite efforts IUP have difficulty seeing their own learning process and it has been the starting point of my study. The aim of the study has been to investigate and analyze teachers work with individual development plans from the first grade to the sixth grade from a teacher's perspective. The goal was to identify strategies and techniques that could help develop IUP as a tool for the student's learning and understanding of their own learning process.

In recent years it has become more and more common with discussions concerning professionalization in professions such as archivists. Professionalization means that a profession strengthens, develops, innovates and monopolize their business. In order to strengthen the profession you can also use a variety of strategies and these strategies emphasises the process where a profession is being professionalized or is about to be professionalized. This development of an occupation could start within ABM-cooperation?s.

Crisis communication can make a crisis turn into a double crisis. The purpose of the thesis is to analyze by which rhetorical means a double crisis can occur. With the Swedish zoo Parken Zoo as a specific example, this essay examines the crisis communication during the crises that started with the tv-show Kalla fakta. The tv-show revealed that Parken Zoo killed and slaughtered endangered and sacred animals. When asked about the specific animals, the head of the zoo gave different answers ? which contrasted with former employees testimony.

Rules on parental leave have over the years been the subject of several gender debates. The big question has particularly been whether a further individualization of the days should be established. Sweden is a relatively equal country but differences still exist between men and women in the labor market, such as differences in wages. A fact that is considered encouraging for this is the uneven distribution of parental leave between men and women. It has now been nearly 40 years since the introduction of the first parental insurance but we have still not achieved gender equality in working life which was the main purpose.The main purpose of this essay is to study the motives for the proposal of individualized parental leave, and in addition examine how this change of rules could impact on gender equality in the work place.

Bakgrund: Företag som distribuerar varor till kund kan tillämpa antingen direkta eller indirekta försäljningskanaler, såsom centralt styrda enheter och franchising. Fördelar med franchising är en ökad tillväxttakt såväl som att franchisetagaren genom att satsa eget kapital motiveras att driva butiken så bra som möjligt vilket även gynnar franchisegivaren. Fördelar med centralt styrda enheter å andra sidan är standardisering, vilket lättare uppnås vid högre kontroll som kan återfinnas i centralt styrda organisationer där beslutsvägarna är kortare. Att tillämpa en distribution genom centralt styrda enheter ger även stordriftsfördelar genom exempelvis gemensamma inköp. För att öka kunskapen om fördelar och nackdelar med olika distributionsstrategier anser vi att det är intressant att studera hur distributionen påverkar ett företags anställda.

Authors: Sofia Eriksson and Malin Wändahl Title: To swim with sharks --? a qualitative study of female journalists work situation in Cape Town due to gender Level: Bachelor of Journalism. Autumn 2013 Location: University of Gothenburg Although the distribution of sex in the South African media houses is equal, research shows that the work conditions for women and men are unequal. Therefore, we have studied how the situation looks like beyond the statistics. The aim of our thesis is to examine, due to gender, how female journalists in Cape Town experience and cope with their work situation in a profession traditionally dominated by men.

Vi valde som kandidatarbete att göra en webbapplikation för att hantera webb-tv-lösningar för att vi ville samla kompetenserna inom programmet medieteknik där videoproduktion, flashproduktion, grafik, webbutveckling samt serverhantering skulle ingå. Vår webbapplikation skulle skilja sig från redan befintliga lösningar genom att den enkelt skulle kunna anpassas för olika kunder snabbt och effektivt. Detta skulle vi uppnå genom att bygga webbapplikationen kring moduler som alla hade olika funktioner på plattformen, och kunde bytas ut med en knapptryckning. I projektet jobbade vi kring konceptet "från produktion till distribution" med vilket vi menar att både kan producera den bästa webb-tv:n samt ha den smidigaste lösningen för distribution som de flesta kunderna skulle ha råd med. På dagens marknad så är antingen lösningarna för enkla och avskalade eller för anpassade och dyra för att passa den normala kunden, med en normal kund så avser vi ett företag med cirka 10-100 anställda.

This study has its background in the debate about religion and the existence of God, which has been an ongoing issue throughout the Western cultural tradition. Today´s information society has been an impact on the increasing interest for this subject. The essay?s main task is to accomplish a rhetorical analysis of two books, Illusionen om Gud (2008) by atheist Richard Dawkins and Guds dödgrävare (2010) by Christian John Lennox, in order to investigate the authors? use of rhetorical strategies to influence their audience. The texts are studied using a qualitative approach with the theoretical basis of some well-defined rhetorical variables: ethical, logical and pathetic means of persuasion, propaganda, and the important factor that a message always is presented in a certain context in which the recipients both have their own values and subjects to general truths and common frames of reference.

The purpose of this essay was to find conceivable marketing- and business strategies that can be combined with a company?s lifestyle.This essay is dependent on a number of interviews with the owner of a maternity clothing trademark, PROUD. PROUD is a new company that has many different options concerning expansion, trademark and its existing and future products and also the knowledge regarding the client?s attitude towards PROUD.The authors of this essay believe that the trademark should represent a lifestyle. For a company to be able to deliver, it has to understand what the future clients want and need.

Eutrophication of lakes and streams are nowadays a well known environmental problem and implies an enrichment of the nutrients phosphorus (P) and nitrogen (N). Phosphorus is considered to be the most important component for the growth of aquatic plants and leads in too large quantities to an intensification of growth. Phosphate (PO4) is the fraction of phosphorus that can easiest be taken up by plants and thus have the greatest impact on eutrophication. Increased plant growth in lakes and unfavorable conditions for aquatic animals are two examples of negative consequences. A significant portion of the increased nutrient supply to nearby water can be derived to phosphate leaching from agricultural areas, where private sewers and agriculture is two main sources.

Livestock of pastoralists provide meat, milk, blood, dung and are useful for transportation purposes. In semi-arid and arid areas with very low precipitation the herder must often walk far distances to feed the livestock. This affects the animals? production, especially of milk. Previous studies have investigated how to improve milk production in terms of milking strategies in cattle.

Women today feel that their urban surroundings are unsafe, and because of that they use different strategies to reduce the risk of being exposed to criminal acts towards them. The focus of this study is to develop an understanding of the insecure feeling that women feel and what that feeling might originate from. By using previous research and theories we have been able to incorporate a gender perspective on the study this because the gender role is central to understand women?s feelings of insecurity. The purpose of the study was to develop a deeper understanding of women?s sense of safety and insecurity.The central questions of the study are1.

In the present study, the institutional discourse in health care was examined, focusing onspeech therapists and occupational therapists in interaction with a common patient withaphasia. The purpose of the present study was to identify common communication strategiesused in the professional conversation between a speech therapist and a patient and between anoccupational therapist and the same patient. Specific research questions were: Whatcommunicative strategies are used in interaction between a speech therapist and a patient withaphasia and between the occupational therapist and the same patient? Are theredifferences/similarities between how speech therapists and occupational therapists interactwith patients with aphasia?Six people in total, two patients in interaction with a speech therapist and an occupationaltherapist respectively, were recorded during treatment sessions of each profession. Generaland specific aspects of the institutional interaction were then analysed according to principlesof conversation analysis.Similarities in the use of closed questions as a strategy to increase the effectiveness ininteraction could be seen between the two different professions studied.

Can the lack of functional cross-cultural communication among individuals within an international organization be the reason for cultural clashes to occur, and lead to conflict between two cultures within the same organization?Our aim is to try to create a potential model of how cross-cultural problems can be studied, in order to contribute to the solution of the problem. And to examine whether the theories, which form the basis of our model can be applied in reality.The research have assumed from the hermeneutical approach for a holistic view of the problem area. The deductive approach has been used in order to distinguish whether the theories can be applied to reality, and qualitative research method for collecting data.The focus lies within cross-cultural communications, which defines the various cultural factors that can affect organizational culture. Hofstede dimensions and the social structure are mentioned and cultural factors as language and religion.