To purchase a house or an apartment is often one of the major personal financial commitments for a person. In 2005, 84% of the homeowners sold their homes using a estate agency. During 2006 several new opportunities appeared on the market, giving the homeowners more of a choice in what way to sell their homes. Media describes the alternatives in general ?as the agents on the Internet?.

Syftet med denna uppsats var att visa hur banker balanserar lönsamhetskrav med rollen som samhällsfunktion. För att uppfylla syftet formulerades tre forskningsfrågor om hur banker identifierar och hanterar olönsamma kunder samt behandlar samhällsansvar gällande finansiell uteslutning. En fallstudie baserades på intervjuer med kontorscheferna på tre lokala bankkontor i medelstor svensk stad. Det empiriska resultatet presenterades anonymt för att få härligare och mer uttömmande information. Resultatet visade att banker använder ögonblickligt värde för att analysera kunder värde och när det gäller hantering av olönsamma kunder finns risk för finansiell uteslutning främst på grund av kreditkrav och riktad marknadsföring.

Denna uppsats syftar till att belysa och diskutera lärares didaktiska val i arbetet med barns literacyutveckling i förskoleklass respektive årskurs 1. Som grund ligger ett sociokulturellt perspektiv på lärande samt forskning om barns literacyutveckling, och med utgångspunkt i detta samt i min studie har didaktiska val i arbetet med barns literacyutveckling kunnat belysas och diskuteras.Inför min studie ställde jag mig den vida forskningsfrågan: Hur arbetar ett par lärare i förskoleklass respektive årskurs 1 i två olika skolor för att befrämja barns literacyutveckling och vilka skäl anger de till detta? Studien bygger på kvalitativa intervjuer med och observationer av fyra olika lärare från två olika skolor, som alla är eller nyligen varit verksamma i förskoleklass eller årskurs 1. I analysen av lärarnas tankar kring arbetet med barns literacyutveckling har olika kategorier vuxit fram, där den mest övergripande, som genomsyrar hela analysen och diskussionen, kom att bli huruvida arbetet med barns literacyutveckling sker i för barnen meningsfulla sammanhang eller ej.I min studie framkom det att lärarna delvis arbetar enligt traditionell behavioristisk teori och ett syntetiskt synsätt, men också enligt en modernare sociokulturell teori och ett analytiskt synsätt. Att utgå från en meningsfull helhet, som läsning med meningsinnehåll, eget skrivande samt samtal och lek/dramatisering, och att i detta jobba med de viktiga beståndsdelarna, det vill säga bokstav ljudförhållandet, lyfts fram i detta arbete.

The demand för Swedish pork meat is increasing every day. This leads to agricultural farming having to develop as an industry, with larger and more rationalised units to make the farming more effective and to raise the financial profit. The consequence of this is that it affects the animals when their surroundings become more industrial. The pig´s natural behaviour becomes restricted by the limitations of the facilities, which leads to them becoming understimulated. Helena Kummel, a teacher at Munkagård upper secondary school and also an educated animal inspector has developed a prototype that could possibly replace the pig´s natural rooting behaviour inside the barn. The porpuse of this report is to study "bökboxen" in the gilts´actual living enviroment, through qualitative- and quantitative analysis.

India is home to every sixth person in the world, some 30 million dogs and a quarter of the total world cattle population. A vast majority of Indians are Hindus, and even though the Hindu religion proclaims love, nurturing and worshipping of animals, sometimes the same religion constitutes an obstacle for animal welfare in practice. This paper investigates the significance of historic and religious symbols to the way animals are perceived in modern Indian society, as well as the different social factors which underlie attitudes to animals. The concept of karma, as well as that of good versus bad deaths, is probably the foundation of the general Hindu reluctance to euthanasia in any form. Although in theory all species are generally regarded as equal in Hinduism, in practice there seems to be a differentiation; for cultural, religious, medical and financial reasons.

The purpose of this study is to increase the understanding of how venture capitalists can use their network in order to reduce information asymmetries between themselves and the venture management team. A qualitative approach with semi-structured interviews, consisting of open questions, have been used to receive gradate information in order to reach our explorative purpose. Our theoretical framework consists of relevant studies made on the dynamics of networks and the problems that can arise in the complex relationship between a principal and an agent. We have been interviewing two venture capital firms and therepresentatives from two business angel networks. We also made an additional interview with an influential financial actor in order to try to verify our conclusions Our conclusions are that an extensive network can be used by venture capitalists in order to; verify ventures? technologies, complement the competences in the venture management team, and arrange co-investments, resulting in reduced information asymmetries between themselves and the venture management team.

For organizations that handle sensitive information, IT governance and information security are necessities in order to maintain credibility and to conduct its business efficiently. There are several known processes to increase security governance ? which is a fusion of information security and IT governance.This master thesis examines if organizations use recognized processes and if it in that case would lead to higher security. The study is qualitative and conducted in the financial sector and based on Best Practice frameworks of the security governance in Swedish banks. Data collection was done through interviews and surveys that were triangulated to get a gathered picture of the quality of the security governance activities.

Introduction: Increased savings in funds has enforced the importance of the institutions. During the last 25 years they have augmented their ownership from 20 to 85 % of the Swedish stock exchange. Thereby the ownership becomes more and more financial, meaning that the return is the most crucial. In an article in Dagens Nyheter the president of the Swedish Shareholders Association and the president of Metall object to the institutional passivity which they consider being an important problem. Purpose: The purpose of this essay is to put the institutional passivity in perspective.

Sweden adopted a new anti-discrimination legislation 2009, DiskL, which aim to prevent direct and indirect discrimination in matters of employment and occupation.According to directives and practices from EU, pregnant workers are entitled a special protection from discrimination during employment situations. The purpose of this essay is to study the legal protection for pregnant workers in employment situations and also analyze whether male workers have similar protection when they plan parental leave. Both regulations from the EU-law and the Swedish law are presented and discussed. This because Swedish discrimination legislation is largely influenced by the EU-law.The study confirms that pregnant workers have a strong legal protection against discrimination through directives from the EU and DiskL. Employers must include this protection in employment situations.

It is easy to see that oil has a big part in our economy, by looking at the repeated news from the media and at the stock market, where they follow the oil price very closely. Behavioral finance is about investors making small or big mistakes in the stock market. Behavioral finance describes the importance of understanding your own faults, as well as others investor?s faults. Behavioral finance emphases the importance of not assuming that the financial market is a flawless environment, but to understand the psychology behind investment decisions.

Syftet med vår studie är att beskriva hur elever i årskurs 1 uppfattar sin läs- och skrivinlärning, samt undersöka om det finns någon skillnad i elevernas beskrivningar ur ett genusperspektiv. Eleverna i vårt urval arbetar enligt tre olika arbetssätt, Montessori-pedagogiken, Tragetonmetoden samt Språkbiten. Arbetet utgår från frågeställningarna Hur talar elever om sin läs- och skrivinlärning? samt Finns det någon skillnad i elevers beskrivning av sina tankar ur ett genusperspektiv? Läs- och skrivinlärning i skolan är ett väl utforskat ämne. Att vi tar in elevernas perspektiv är just det som gör vår studie unik.

This degree project aims to evaluate alternative methods to the unanaesthetized castration of piglets. Castration of piglets is performed to prevent the development of boar taint. Boar taint can cause great financial losses for the pig manufacturer. Unanaesthetized castration of piglets is not regarded to be satisfactory from an animal welfare perspective and the procedure will for that reason be outlawed in the near future.Several alternative methods are used in countries all over the world with promising result. The purpose of this study is to evaluate if this methods could be applied in Swedish pig production.A literature study has been combined with interviews; field studies, questionnaires and a small study on male pig production.To be applicable to and applied in Swedish pig production the alternative method must be financially accepted by the manufacturers but also accepted from an animal welfare perspective.Castration is the only way to guarantee a meat free of boar taint.

Background: The background explains different financial crises and the effect those crises had on the Swedish acquits regarding variable compensation. The resent discussion regarding variable compensation and the main problems with bonuses is also explained. Our theories for this essay is mainly based on the new directions from Finansinspektionen FFFS 2009:6,7 and stakeholder theory. Other theories used are agency theory, stewardship theory and economic man.Purpose: The purpose of this essay is to analyze the new directions for variable compensation and to investigate if these new directions can lead to a more long-term thinking for managers in banks. Method: We used semi-structured interviews with open questions for our survey.

What Places Adolescents and Adults, Respectively, in Need of Social Assistance? A Qualitative Study of How Social Workers Whom Administrate Financial Assistance for Adolescents and Adults, Respectively, Describe Reasons Behind the Need of Social Assistance Amongst Their ClientsThe purpose of this essay was to study and compare how social workers whom administrate social assistance for adolescents and adults, respectively, describe reasons behind the need of social assistance amongst their clients. This was done due to the use of qualitative interviews with a total of six social workers. Of these six, three administrated social assistance for adolescents while the other three did the same for adults. Prior research of poverty attribution greatly inspired this essay.

Den här magisteruppsatsen skrivs inom huvudområdet svenska med didaktisk inriktning (Smdi). Undersökningen behandlar gemensam textläsning och textarbete i en årskurs tre utifrån filmen Min granne Totoro. Filmen är en animefilm som kan placeras inom populärkulturgenren. Lärarens val av text var tänkt att bidra till att vidga såväl elevernas textvärldar som skolans repertoar av texter. Uppsatsens syfte är att undersöka reflektioner, tolkningar och kunskaper kring textens innehåll som kommer till uttryck i elevernas skrivna och talade texter, och på vilka olika sätt arbetet med filmen skapar utrymme för medskapande och delaktighet, och även på vilka sätt och när eleverna utvecklar sitt språk och uttrycker förståelse av den egna identiteten och sin omvärld under textarbetet.