Background: Investors have several options to choose from when the goal is to achieve the highest yield at the lowest cost and risk. Stocks are a common investment options, but is also associated with risks. Portfolios are usually constructed with several different assets to reduce the unsystematic risk of investment. Funds are similar to composite stock portfolios, the big difference is that they dealt with in their entirety and investors may not affect the fund's content. The problem remains that whether you choose stocks or mutual funds there is still uncertainty as to how the future will unfold.

AbstractTitle: Level/Degree/Grade:Authors:Supervisor:Research question:Purpose:How the bank may improve its financial counselling ? A qualitative case study.Bachelor Thesis; Business administration; Corporate finance.Andreas A?strand, Anton Persson, Kristoffer Wedebrand.Hans Mo?rner.How may the bank improve its financial counselling to private investors using portfolio theory?Our purpose is to examine the advice, with basis in portfolio theory, the bank?s financial advisors provide to their clients, the investors, and how they can improve. If we can identify and point out areas of improvement in the financial counselling, we hope to raise the question and contribute with an improved financial counselling. Another positive effect we are hoping for is to improve the situation for the investors whereas all parties benefit from an improved portfolio selection.This study is conducted through a qualitative case study, where we used a deductive approach and collected our data through personal interviews.The conclusion that emerges is that the financial counselling could potentially be improved if financial advisors improve their knowledge in portfolio theory.The originality shapes through the opportunity to investigate a specific bank and because of that an opportunity to examine a specific case more thoroughly was created. Our thesis contributes with opening La?nsfo?rsa?kringar?s and other banks? eyes to how their financial counselling could be improved through new knowledge in portfolio theory.

Det finns inget som specifikt kan benämnas som antroposofisk landskapsarkitektur. Dock bidrar den antroposofiska helhetssynen till en omsorg om landskapet och en förkärlek att tydligare visualisera samband. Man menar att människan måste ta ett högre moraliskt ansvar för sin omvärld och tänka i kretslopp istället för avfall. Samtidigt finns inom antroposofin en ständig medvetenhet om de estetiska aspekterna på såväl detaljnivå som i det övergripande landskapet. Läran grundades av österrikaren Rudolf Steiner i början av 1900-talet, mycket av hans tankar var vidareutvecklingar av Johann Wolfgang von Goethes filosofier.

Background: Investors have several options to choose from when the goal is to achieve the highest yield at the lowest cost and risk. Stocks are a common investment options, but is also associated with risks. Portfolios are usually constructed with several different assets to reduce the unsystematic risk of investment. Funds are similar to composite stock portfolios, the big difference is that they dealt with in their entirety and investors may not affect the fund's content. The problem remains that whether you choose stocks or mutual funds there is still uncertainty as to how the future will unfold.

Bakgrund Oväntad död är en traumatisk upplevelse förnärstående, kris och sorg i någon form är ofrånkomligt isamband med död och saknad. Vårdpersonal står inför en svårutmaning i omvårdnaden för att ge ett kompetentomhändertagande. Det korta mötet mellan vårdpersonal ochnärstående har visat sig vara av betydelse. Syfte Syftet medlitteraturstudien var att belysa närståendes behov ochvårdpersonals uppfattningar om närståendes behov i sambandmed en oväntad död. Metod Metoden var en litteraturstudie därdet ingick både kvalitativa och kvantitativa artiklar.

The UN was established after the Second World War. The organization?s primary goal was to maintain peace among all nations. When the UN intervenes in other states affairs, it is violat-ing the principles it is set to defend, principles of non-intervention and respect for sover-eignty. The outcome from such interventions is very important, a result that can legitimize the action.

Over a long period of time, there has been a rich debate in the academic and financial world if active management can generate an excess return. Many experts say that the current active management strategies is nothing more than a money grab that produces large gains, for banks and investment firms, through high management fees while producing no excess value for the individuals buying their service. In short, an effective market makes it almost impossible for fund managers to produce value for their clients in the long run.No argument has only one side though, other experts say that active management has a role to play because not all investors are rational. This irrationality can lead to mispricing on financial assets in the marketplace and in turn lead to an ineffective market where active management can fill a much needed role. The purpose of this study is therefore to see if active management strategies can create a higher risk adjusted return, taking management fees into consideration, during times of high volatility when the uncertainty is at its peak.

Background: Investors have several options to choose from when the goal is to achieve the highest yield at the lowest cost and risk. Stocks are a common investment options, but is also associated with risks. Portfolios are usually constructed with several different assets to reduce the unsystematic risk of investment. Funds are similar to composite stock portfolios, the big difference is that they dealt with in their entirety and investors may not affect the fund's content. The problem remains that whether you choose stocks or mutual funds there is still uncertainty as to how the future will unfold.

AbstractTitle: Level/Degree/Grade:Authors:Supervisor:Research question:Purpose:How the bank may improve its financial counselling ? A qualitative case study.Bachelor Thesis; Business administration; Corporate finance.Andreas A?strand, Anton Persson, Kristoffer Wedebrand.Hans Mo?rner.How may the bank improve its financial counselling to private investors using portfolio theory?Our purpose is to examine the advice, with basis in portfolio theory, the bank?s financial advisors provide to their clients, the investors, and how they can improve. If we can identify and point out areas of improvement in the financial counselling, we hope to raise the question and contribute with an improved financial counselling. Another positive effect we are hoping for is to improve the situation for the investors whereas all parties benefit from an improved portfolio selection.This study is conducted through a qualitative case study, where we used a deductive approach and collected our data through personal interviews.The conclusion that emerges is that the financial counselling could potentially be improved if financial advisors improve their knowledge in portfolio theory.The originality shapes through the opportunity to investigate a specific bank and because of that an opportunity to examine a specific case more thoroughly was created. Our thesis contributes with opening La?nsfo?rsa?kringar?s and other banks? eyes to how their financial counselling could be improved through new knowledge in portfolio theory.

Young people?s political influence has been surveyed, studied and discussed several times in Sweden during the last decade. There is a fear among the politicians that the young people are not interested in politics, especially not in party politics. On the other hand there is, among the youngsters a feeling of invisibility, not being seen or heard or for that sake respected. There are a lot of formal possibilities for young people?s political influence, but there are not as many real possibilities or situations to actually practice these possibilities.

Around the world, forests are generally being fragmented and as plant populations decline in both sizeand number of individuals, the genetic variation will also decrease whitch in the end leads to totalextinction of the plant. In this paper, I wanted to investigate what specific species of trees and shrubsyou usually find in the edge and core habitats in some of the forests in the Baltic Sea region. I alsowanted to identify the edge effects and their sources and finally compare the results between thedifferent regions.The data sources used are derived from the ongoining research project Landscape structures, patterns ofbiodiversity and conservation strategies in the Baltic Sea region by Kari Lehtilä, Patrik Dinnétz ochTiina Vinter who have made a record of all herbaceous plant species in four randomly chosen forestregions situated around the Baltic Sea: Estonia, Skåne, Södermanland and Germany. I made statisticalanalyses, using the computer program R, concerning the distribution of species in the edge habitats ofthe forests as well as in the core habitats. I performed generalized linear models and then variationanalyses with the factors light and biomass in order to investigate wether edge effects might appear dueto these factors.

The guest harbor on Utö, Utö Gästhamn, is currently using electricity for heating all of the water used in the showers and taps. Because of the large amount of visitors, especially during the summer months, the hot water usage gets very high and that is also the case for the electrical bills. During the year of 2011 the cost of electricity for Utö Gästhamn reached a total of 257 500 kr. Out of these 257 500 kr approximately 142 000 kr, 55 % of the total cost, were because of the water heating.The report is the result of a cooperation with Skärgårdsstiftelsen, the Green Islands-project and Utö Gästhamn where the mutual goal is to dimension a solar energy system, to promote the sustainable development.Initially the different techniques for the solar energy system are researched. The techniques are plane solar collectors, evacuated tube collectors, pool collectors and photovoltaic cells.

The shape and arrangement of the outdoor environment at a preschool has a critical impact on the possibilities to practice different pedagogic activities (Grahn et al.1997). At the preschool at Edwin Ahlqvists road, the employees are inspired by Reggio Emilia in their way of thinking, and they consider their outdoor environment is not suitable for the pedagogic activities they use. Reggio Emilia is a city in the north of Italy (Wallin 2001). The preschools there are famous for their pedagogy, their creativity and their democratic way of working (Dahlbech & Johansson 1986). The Reggio Emilia pedagogy is constantly renewed and developed, but with the children?s needs in focus and simultaneously with the quick changes of the modern society.

Bakgrund: De flesta svenskarna sparar i form av värdepapper för att investera sina pengar och få en avkastning. Vilket placeringsalternativ ska de välja mellan investering i traditionella eller speciella fonder? De traditionella fonderna har en relativ avkastning och en stor risk, medan de speciella eller hedgefonderna har en lägre risk och en absolut positiv avkastning oavsett marknadsläge.I denna studie kommer att undersökas om hedgefonders avkastningsmönster är trovärdig, och om deras målsättning har uppnåtts under åtta års period.Syfte: Syftet med denna studie är att undersöka om det finns ett samband mellan olika svenska hedgefonders investeringsstrategier och avkastningsmönster samt undersöka hur dessa hedgefonder skiljer sig från de traditionella fonderna och marknadsindexet. Delsyftet är att studera två olika perioder och urskilja hur fonderna presterar under hög respektive låg konjunktur läge.Metod: Studien är baserad på forskningsstrategin kvantitativa metoden. Sekundär data i form av historiska avkastningssiffror för åttaårsperiod är avhämtad.

The EU has had a special agreement with their former colonies in Africa, the Caribbean and the Pacific Islands, the ACP-countries, for almost 30 years. This has granted the ACPs with preferences on the Europen market, which have been excluded from other countries. The agreement is now beeing re-negotiated to make it more in terms with the rule of the WTO?s most favoured nation-principle. The new agreement will differ from the present one as it will be a mutual free trade agreement where the ACP countries will open their markets to the EU as much as the EU opens up it?s market to them.