The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

This thesis compares different methods for risk assessment of a creosote contaminated site in Vansbro, Dalarna. In a complementary study the importance of using representative data for calibration and validation of stationary groundwater models is discussed. The time dependency between surface water levels and groundwater levels on the site in Vansbro is evaluated by step response analysis. The results show that the groundwater levels reflect only long-term variation in the surface water levels. Hence the use of such long-term means for calibration and validation of the stationary groundwater models is the only theoretically defendable alternative.As a first step in the comparison of risk assessment methods the degree of contamination is evaluated on the basis of generic guideline values for contaminated soils, developed by the Swedish Environmental Protection Agency.

The red-tailed monkey (Cercopithecus ascanius) is a small, alert and active animal inhabiting forests with dense vegetation and as such hard to observe in its natural habitat. The principal aim of this study was to scrutinize whether the methods, previously used in a behavioural study of the blue monkey (Cercopithecus mitis) can be applied in studies of the red-tailed monkey?s behaviour as well. Additionally, habitat preference and foraging behaviour of the red-tailed monkey were examined. The study was carried out between the 16th and the 22nd of March 2009 in the Sabaringo forest, located on the western border of the Masai Mara National Reserve.

Rapporten är skriven för att dokumentera den befintliga installationen av ballast-, läns- och brandsystem ombord på fartyget M/S Calmare Nyckel. I enlighet med uppdragets specifika-tioner kommer även förslag på förbättringar att presenteras. Förslagen bygger till största del på fakta från en leverantör av ventilkomponenter och av klassen ställda krav på installationen. Förbättringarna beaktar i huvudsak minskade risker och ökad säkerhet. De största skillnaderna med de nya förslagen är att länsvattensystemet skiljs från de övriga systemen, de viktigaste funktionerna fjärrstyrs med hjälp av pneumatik och systemets komponenter märks enligt branchstandard..

The purpose with this study has been, based on different public and private procurement conditions, to measure if there are any significant differences in the business relations between public- and private institutional kitchens. Furthermore, to observe what important influencing factors there are to maintain and develop a relationship between a producer and customer. The result of the analysis shows that there are important factors that influences on the trust in the relationship between a producer and customer. These factors are product- and service exchange, communication, strategic purchase and social exchange. In this examination we have showed that there are differences in the relationship between public- and private customers.

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This paper includes astudy of the mutual fund market investors during a selected timeperiod. The reader is given a descriptive picture of how people in different age groups have  acted  in  conjunction  with  the  last  major  financial  crisis.  It  has  been  studied whether people in the different age categories have saved,purchased or sold during this time  period  based  on  theories  and  analytic  material  from  one  of  the  largest  fund operators in Sweden. The result enlightens people?s activity and risk appetite in relation to the fund market. The essay results in an explanation of the underlying cause of the behavior        of         the         people         in         the         different         age         categories.The paper assumes that the market is cyclical and that more crises will occur in the future.

The main purpose of the essay was to evaluate whether investments in index-linked bonds were suitable investments for smaller investors on the international finance market. To determine whether the index-linked bonds are good investments, the variables yield, cost and risk were used to measure the index-linked bonds against investments in stocks and funds. The reason for the interest in this subject is that investments in index-linked bonds have grown furiously the last few years. With the growth of the investments the criticism of index-linked bonds has also grown stronger. The critics? main point is the cost of the product, and they imply that investors can create their own index-linked bond and thereby avoid the bank fees.This study used a quantitative approach, because all the data of yield, cost and risk consist of numbers.

In the future the Swedish pension system will face major problems. With an increasing aging population combined with a decreasing share of working population the financing of the pension system is becoming a bigger problem than previously predicted. This means the individual himself will have a bigger responsibility to invest money for their future retirement. It has been shown that a large proportion of the people who invests for their future pension have neither the interest nor the time to actively invest their pension capital. To make it easier for those who invest for their retirement, some Swedish banks have created so-called generation funds.

Abstract Title: A conjoint analysis of packaging attributes. How can the attributes of a product?s packaging best look like to attract the consumer? Authors: Linda Granberg & Helena Niklasson Supervisor: Jan Svanberg Department: School of Management, Blekinge Institute of Technology Course: Bachelor?s thesis in Business Administration, 15 credits Purpose: The purpose is to find out how visual and technical attributes on product packaging affects the consumers tendency to want to buy the product. Method: Conjoint analysis and a quantitative survey. Results: When developing a package for a food product we?ve reached the conclusion that it is most important to have clear product information on it. The consumer wants it to be simple and easy to use, the people under time pressure seeks product with new technology which can save them time..

Bakgrund: Det rådande pensionssystemet i Sverige består av sex så kallade AP-fonder. Genom åren har pensionssystemet flertalet gånger kritiserats för dess låga avkastning.Problem: Vår huvudfråga är att jämföra AP-fondernas risk och avkastning med aktiemarknaden som helhet, detta ska ske med hjälp av två jämförelseindex: MSCI World och SIXRX.Syfte: Syftet med uppsatsen är att jämföra de fyra första AP-fondernas risk och avkastning med aktiemarknaden som helhet under åren 2002-2010.Metod: Vi har använt oss av en kvantitativ metod, genom att samla in information från AP-fondernas årsredovisningar och hemsidor. Vi har samlat in historisk data, som vi sedan har bearbetat och analyserat.Slutsats: De studerade AP-fonderna har presterat sämre än aktiemarknaden..

The aim of the study was to examine how background factors, such as abuse earlier in life, affect depression and suicidal behavior, amongst persons who abuse alcohol or illicit drugs. The study was performed at the Social Service Center, Södermalm, department for adults. The data used in the study is based on Addiction Severity Index interviews (ASI) and includes 560 observations. The statistic methods used to analyse the data is chi² test and the result is presented in cross tables and charts. The main findings were that experiences of psychological, physical, or sexual abuse, earlier in life increase the risk for major depression and suicidal behavior later in life.

The insurance industryis challengedby major changesthrough internationalizationand thusgrowingcompetitionwithmore optionsand greater availabilityfor customers.Solvency II, a new regulatoryframework and anew standard forinsurance companies,is therefore implemented in a steptowardsa more competitive Europeaninsurancemarket. Solvency II will result in extensive structural changes for many insurance companies. Newstandards andinternal models must also be implemented by the companies. Solvency IIhasa tightening effect on thesolvency capital requirements forinsurance companies. At the same time it also leads tomajor changesandincreased demandon risk management andinternal control, alongside with demands fordisclosure of informationto the market.

The purpose of this essay is to investigate whether the implementation of the Solvency II directive will create a competitive advantage for the Swedish insurance companies compared with other insurance companies in Europe.Therefore the theoretical perspective illustrates the specific requirements and risk culture of the insurance industry and defines the critical success factors for a successful implementation of the directive. The empirical foundation is built on the QIS 5 reports for Sweden and Europe, interviews with the financial services and If insurance company as well as information from a seminar organized by KPMG. The analysis shows that the Swedish insurance companies meets the capital requirements of Solvency II by a large margin and that they are accustomed to risk management and reporting requirements from the traffic light model. This implies that the three critical success factors for a successful implementation of Solvency II are met, although with some limitations, and that Swedish insurance companies could possibly have a competitive advantage.     .

Problems with wild boars are increasing in Sweden and some people argue that the wild boar population must decrease. This is mostly the opinion by farmers, while the hunters want more wild boars in Sweden. Today the population is the strongest in the south of Sweden and in the eastern parts of the country. However the population is growing stronger in other parts of Sweden as well. The population origins from these areas where they escaped from pens around 1970.