A reforming trend is captured showing that countries are shifting from defined benefit pension systems towards defined contribution systems. The reforms have been justified through predictions that the defined benefit systems will not manage to provide good enough pensions to members in the future. The newer defined contribution pension plans often include individual financial accounts where individuals have the possibility to choose how a part of their pension savings should be invested. Sweden was early to introduce such a system, which at the moment provides more than 800 funds to choose from. The aim of this thesis is to capture the market risk associated with these individual investments and does so by using Monte Carlo simulations for six selected pension funds.

The possession over bills and coins has, on the whole, been replaced with a credit balance on an account. Almost all payments today are processed by transmitting digital data and not by using cash. The credit balance on an account is a demand that the holder ofthe account have towards his bank. Law regarding three part relationships: By using Göranson?s theory you can say that the credit balance on an account may be object of possession.

In this paper we examine what security is to the individual and how the individual creates and maintains security in their work. The purpose of this paper is to study how the creating of security in working life is performed. We conduct six semi-structured qualitative interviews with permanent employees in the private sector and we encode our material using thematic analysis. We analyze our material and illustrate our problem area on the basis of Anthony Giddens's theory of ontological security and give examples of how security and creating of security is performed at the empirical field with previous studies in the research area. Our survey shows that security for the individual at work seems to be about having continuity in everyday life, financial stability, a permanent employment, a challenging and fun job and a family in good health and good living.

The purpose with this thesis is to illustrate companies? way of using Key Account Management in the organization. We developed the four following research questions: Why do companies choose to use Key Account Management? How do companies identify and choose their key customers? How does a key account manager work? How do the skills needed by a key account manager look like? The results showed that KAM offered several important benefits, mainly of economical characteristics. Identification of the key accounts was mainly conducted through certain economical criteria the customers had to fulfil.

This thesis deals with the concepts of individual and individuation as defined by Leibniz and Spinoza. I go through the use and definition of the concept of individual in four stages.First I discuss the individual as conceived by Spinoza as a relation formed by a composition of parts and the individual as conceived by Leibniz as a complete notion consisting of all the events in the life of a subject.Next is the roll of perception in Leibniz discussed, likewise individuation through different perception with varying distinctness, and the affinity of perception with affection.The discussions concerning the individual concludes in a section about the essence of the individual as being the desire of the individual. In the last stage, I discuss the multitude as being an own individual..

The purpose of this essay is to examine how administrative officers at the Swedish social insurance agency experience and deal with the goal conflicts they may experience. Furthermore, the purpose is to gain a greater understanding on how they perceive their role in the implementation process, and their position as the link between the citizens and the state. Two potential conflicts are examined; between quantitative goals and performance measures and those more qualitative and hard to measure; between economic values such as cost efficiency and productivity and democratic values such as the rule of law. The other conflict examined is that between implementing and following the laws set forth, take into account the individual needs and interests of the citizen. The theoretical framework consists of Lundquist?s theory on public officers as the guardians of democracy, which means that they should not only implement laws and rules according to political intentions, but also make sure that the democratic values and principles are followed in the relationship between state and citizen.

People with certain types of disabilities have the legal right to ask for an individual plan. The idea is that the plan should be a tool for the disabled to get more power and influence over the planned actions that involves their lives. The aim of this thesis was to study the individual circumstances of interpersonal power and influence in the work of individual plans. The study was done with a qualitative approach, where three executing officers and three individuals were interviewed. The results show that the conditions for the individual?s influence are far more complicated than at first glance.

AbstractThe purpose of this study is to examine whether the individual influence at the working place leads to the perception of decreased stress. Also I looked at whether stress and individual influence is affected by the employees age, sex or employment years. Previous research shows that individual influence decreases stress but strangely enough do the research show that individual influence seem to decrease in today?s work environment. This research is quantitative with questionnaires, answered by 74 civil servants working in a department in the municipality of Karlstad.

More and more people in our society take part in adult education. In this study, eight students in adult education, the majority with a diagnosis such as ADHD and/or reading- and writing disorders/dyslexia,have been interviewed about their current study situation. The interviews have so party treated topics related to earlier schooling and the future. Earlier studies and available literature is to a large extent written from the perspective of children?s and adolescents? study situation and the question is if this is applicable to students in adult education.

AbstractMy purpose of the investigation is to enter deeply into the knowledge of the Individual plan of the development and to examine how teachers, pupils and parents look at the Individual plan of the development and the purpose of the Individual plan of the development in school. My question of the main problem in this investigation was to examine the expectation on the Individual plan of the development from teachers, pupils and parents and if the Individual plan of the development has been influence the cooperation of parents and the influence of the pupils also how and if teachers, pupils and parents apprehend some kinds of changes.The review of the literature begin with a closer study about our document of control, witch are the curriculum of the compulsory school (Lpo 94), The National Agency for Education General Advice for the Individual plan of the development (2005), a study of the development of the cooperation of the parents and the influence of the pupils under the years of research about it.I have in my investigation used qualitative interview in different forms like the ordinary interview, interview on telephone and focussed group interview with teachers, pupils and parents. The result of my conclusion from the investigation is that the information and the knowledge of the Individual plan of the development are important to be able to increase the influence from the pupils and a different cooperation from the parents in the development of the school with the Individual plan of the development. My examination is small and not generalised but I believe that it still can represent the attitude of the Individual plan of the development. The consequence of the investigation shows that pupils and parents have vague idea of the Individual plan of the development.

AbstractIn 1997 a regulation were introduced to the swedish school system, Förordning om kvalitetsredovisning i skolor m.m SFS 1997:702 (Regulation about account of quality works whithin the school system). The preceding discussion noticed that municipalities and schools lacked in their progresive quality work. Messures had to be taken. Since the introduction of the regulation the government has decreed changes and additions to the original regulation. This has led to changes of substance and form in the quality work account to the administration during time.

Power, Criminality and the gamble about bordering normality. From theperspective of Foucault. This study is about how criminality becomes a strategy of power used by the individual to overcome difficulties and gain advantages. This strategy of power sets loose a process of identity formation within the individual that gives shape to his own norms which are opposite to the one of the society. The individual norms and the normative society cooperate with one another in a cultural teamwork.

Title: The Investment Savings Account ? Standard Taxation ? Right in TimeAuthors: Gustav Mårtensson and Erica Nordström LöfSupervisor: Göran HäggBackground: In order to facilitate and stimulate financial investments among privateinvestors the organization Aktiespararna made a proposal for a standard-taxed account. As aresult of this, the Swedish government decided to implement the Investment Savings Accountin January of 2012. The introduction of the Investment Savings Account implies that there arenow three different types of accounts for financial investments that are differently taxed onthe Swedish Market. Private investors can improve their after-tax results by combining AssetAllocation and Asset Location, according to earlier studies.

I dagens företag är det vanligt att ha speciella kunder som betraktas som företags nyckelkunder (Key account management, KAM). Syftet med den här uppsatsen är att undersöka hur företag som använder sig av nyckelkunder väljer ut, utvecklar och bibehåller relationen med sina nyckelkunder. För att kunna undersöka detta gjorde vi en fallstudie på ett stort företag i Sverige. Frågeformuläret baserades på våra forskningsfrågor och tre respondenter intervjuades. Vår empiriska undersökning visade att företag ser till kunders lönsamhet, storlek på kunden samt försäljningsvolym.

This paper deals with Iraqis in the Swedish labour market. The main goal was to point out on positive aspects of the Swedish labour market integration. Previous studies were mostly problem oriented on immigrants? situation in finding a job, especially when related to immigrant from non-European countries. Instead this study is focused on the more positive aspects.