Background and problem: In March 15, 2009, the third piece of money laundering directive was introduced which mean a more strict legislation in control against money laundering and terrorist financing. The directive is based on a risk based point of view which means that the resources should be used where the needs are. The responsibility for financial companies and other parts are bigger then before which means that they have to get a more extensive customer knowledge etc. It has however been appeared that the directive in some cases lack of precision and clarity which creates an insecurity among those who are included by the law. Purpose: The purpose of this paper is to examine which consequences the third piece of money laundering will bring on the banks customer relationships and how the employees work assignments at the banks will be affected. The authors also want to examine how the extension of money laundering will be affected and clarify if there is any indistinctness about how the application looks around the banks.Method: The authors choose to use a qualitative method and the empiric material has been collected through personal meetings, telephone interviews and through e-mail answers. Conclusion: The majority sees the third piece of money laundering directive as something positive which will protect both the banks and their customers.

The main purpose of this study was to obtain insight into what students and teachers think about field trips in ecology and whether they think that fieldtrips result in increase of students? learning. Open questionnaires and half structured interviews were used to investigate this. Persons who answered the questionnaires and participated in the interviews were senior high school teachers in biology or science and high school science students. All the teachers and most of the students thought that field trips in ecology resulted in increased learning.

AbstractTitle: Accounting and money laundering, a study on how auditors apply the law on money launderingDate:  May 29th 2013University: Mälardalens UniversityInstitution: School of economy, society and technologyLevel: Bachelor thesis in business economy, 15 creditsAuthors: Pavle Adasevic 910731 Oskar Hallberg 900508Advisor: Kent TrosanderKeywords: Money laundering, Law of money laundering, Auditor, ABLThe main issue:In 2009 a new law on money laundering was introduced. The new law aims to strengthen the monitoring and reporting of money laundering. In 2011 11,464 reported suspicions of money laundering, only four of them where from audits, how come there so few reports from the auditors?Purpose: The Purpose of the study is to show how audits apply the new money laundering law in their work.Method: The study was based upon qualitative method. Secondary data was taken from literature, articles and reports.

Background:Persons living with a mental illness often have to put up with a financial disadvantage. Their ability to work is often limited and because of that they have to rely on the welfare reform to get an income. This income is often low compared to other citizens which by itself is something strongly associated with mental illness. Purpose: The purpose in this study was to describe how people living with a mental illness experience that their economic situation has an impact on their daily life. Method: This study is a literature review containing nine scientific articles from previous research.

Background:Persons living with a mental illness often have to put up with a financial disadvantage. Their ability to work is often limited and because of that they have to rely on the welfare reform to get an income. This income is often low compared to other citizens which by itself is something strongly associated with mental illness. Purpose: The purpose in this study was to describe how people living with a mental illness experience that their economic situation has an impact on their daily life. Method: This study is a literature review containing nine scientific articles from previous research.

I conducted this examinasions work because I want to find out how loan to farmes are working and more specific towards younger farmers. What you have to think about before you go to the bank and what the banks are thinking about lending money to farmers. This work is based on an investment plan propasal for 20 000 laying hens on a farm in the Kalmar area. The investment plan propasals have two diffrent alternetives, one farm on 25 hectares and one on 50 hectares. I have chosen this becouse I wanted to study how the diffrent sizes of farms are changing the banks thoughts about lending money. These investment plan propasals have included four banks with questionnaire and deep interview.

Syftet med denna uppsats är att testa olika tradingmodeller inom valutahandel, byggda på tekniska indikatorer, för att undersöka om man kan nå en positiv avkastning.Undersökningen omfattar 24 olika modeller, byggda på fyra olika tekniska indikatorer och med tre olika money management strategier. Modellerna testas på fem olika valutapar under tre månaders tid. Slutsatsen är att det går att nå positiv avkastning och även positiv överavkastning med automatiska tradingmodeller om rätt indikatorer och money management strategier används. Modellernas avkastning är mer känsliga för valet av money management strategi än för valet av vilka tekniska indikatorer och parametervärden som ska användas..

AbstractHow do we remember? What do we remember? How does the memory change over time? These are the main questions in this essay.Five persons, who have lived or are still living in the old parish Rystad, situated seven kilometers from the town Linkoping south of Lake Roxen, have participated in interviews. They have been given the possibility to present their oral history which has been recorded and later transmitted to texture. The participants represent different social backgrounds and professions and they were born between the years 1920 ? 1936.

The purpose of this study was to examine and illustrate how people look at themselves and their happiness in relation to their economic situation. This study was based on interviews with eight adults divided in two groups, four were big-income earners and four were unemployed/sick-listed. I identified factors that affected the feeling of happiness such as family, friends and economy. During the process four themes were identified, happiness, work, economic strain and the importence of money versus happiness. The analysis was based on the concept of aspiration levels and an economic perspective.The conclusion of the analysis was a surprise to me, showing that economic strain could be detected in both groups but by different means.

The purpose of this study was to examine the media?s portrayal of young people that gamble with money. Young in this study refers to people in the age 13 to 30. The following questions were examined: How does the press, in this case three newspapers, portray young people who gamble with money? What discourses in the selected newspapers, regarding young people who gamble with money, are the most prominent?The method used in this study was Faircloughs three dimensional model for critical discourse analysis which was used together with a social constructionist point of view.

Money by definition is always a subjective human creation. Because of this it is unavoidablethat the physical and mental structure of a specific money system will have an effect on thesociety where it is circulating. With this fact as a starting point, the thesis is analysing whetherthe Swedish national currency, the crown, is consistent with a sustainable development. Theaim of the analysis is to: (a) identify the major shortcomings of the infrastructure of the crownin relation to its ability to support a sustainable development, (b) evaluate what possiblesolutions there are at hand to adjust for the shortcomings. The method used is purely based ontheoretical analysis, with emphasis on abstraction and causal simplicity.In a modern society, money is not only circulating as coins and bills, but also as digital assetstransferred directly between bank accounts.

 AbstractThe aim of this essay is to look into how teachers view pupils who use finger arithmeticduring mathematic classes. How do these teachers help them to move on with their learning,what information and problem-solving material do they use?I made qualitative interviews with grade two- and grade three teachers, in three schools.The interviews showed that the teachers find it difficult to adopt a suitable attitude towardsfinger arithmetic. In addition, lack of time for planning and lack of knowledge about variousexperimental methods caused further predicaments. The teachers were aware that arithmeticexperimental material was attainable at the schools, but time to learn about it and how to useit was lacking.

This is a study made because I would like to see how much money can be saved when reduced soil preparations is used. This is a case study, the farm is located in the north vest part of Skåne, Sweden. I have calculated with four different soilpreparation methods. Alternative 1: Conventional soil preparation, the way the farm is managed today. Alternative 2: Ploughing on depth of 12 centimeters, with a ridge packer followed with sowing. Alternative 3: Eco-tillage Alternative 4: Direct drilling The results of my study showes that Alternative 2 is the most profitable. Alternative 4 is very good if you see to dieselexpenses and hours of work, but the yield is far to low. If the numbers are further analized, it showes that in spring barley the differense between Alternative 2 and Alternative 4 is at a minimum. So if there is lack of time for one reason or another, this might be an alternative in spring barley. The differense in how the farm is managed today and the most profitable alternative in the study, Alternative 2 showes that it can be saved up to 60 940 SEK..

The accident frequency in the construction industry has shown a downward trend every year but this trend was broken 2010th. It is often lack of precautionary measures within work environment and safety that is the cause of accidents. The big construction companies understand the importance of precautionary measures within work environment and safety, as they spend a lot of money and time on that matter. By examining the work environment and the safety of the small construction companies you can see how they work. The report will presents how these small companies work with work environment and safety, and also how they follow the safety instructions that are available and how they make use of safety equipment.

During the Swedish banking crisis in the early 1990?s, the government paid out 65 billion Swedish kronor to save Swedish banks from bankruptcy. In the process, two banks left the private sector to be taken over by the state. This thesis builds on a study from 1998 in seeking to quantify the financial end result for the Swedish government from the subsidies. Taking a cash flow approach and accounting for the time difference, it starts with the money paid out during the years of crisis and subtracts the money that has since been returned to the government by successful management of the relinquished assets.