ABSTRACTThe purpose of this thesis has been to increase the knowledge about the life situation for next of kin who are caring for the elderly and mentally disabled. Also, the impact of ?supportive actions? on the quality of life for the next of kin has been assessed. This study tried to answer the following questions:? How do next of kin perceive their every day life.? Do supportive actions lead to a better situation in your every day life.? Do supportive actions raise the quality of life for next of kinTo answer the questions above a qualitative method was used.

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.

Vi lever i ett samh?lle d?r teknologiska uppfinningar hela tiden h?jer hastigheten, inte bara i arbetet utan ocks? i vardagen. Denna studie syftar d?rf?r till att unders?ka om samtidens norm om produktivitet genomsyrar alla ?ldrar och livsstadier genom att fokusera p? pension?rer. F?r att bidra till f?rst?else av normer kring produktivitet hos ?ldre ?mnar studien f?rst? pension?rernas subjektiva upplevelser av tid och hur den ?nskas spenderas i relation till ?lderdomen. Genom ett utforskande av dikotomin produktivitet/reproduktivitet och hur den f?rh?ller sig till rekreation samt agentskap och ett temporalt perspektiv avser studien att unders?ka ?lderdomens kapitel och pensionen med nya glas?gon.

Syfte: Tanken med detta arbete har varit att se hur en fusion med företag i fyra olika länder som deltagare påverkat en stor organisation som Nordea, undersöka vilka skillnader de olika kulturerna för med sig och vilka problem de orsakat i integrationsprocessen. Jag ville även jämföra vilka olika ledarstilar som existerade i de olika länderna och ta reda på om det påverkat chefernas ledarstil i Sverige. Även massmedians bevakning under integrationsprocessen undersöks för att se deras inställning till sammanslagningen.Metod: I denna uppsats har både sekundär- och primärdata använts. Jag har studerat vad andra skrivit om fusioner, kulturens påverkan och olika ledarstilar men jag har även samlat in egen primärdata genom intervjuer med två personer från Nordea. Sedan har jag jämfört resultatet av intervjuerna med teorin för att få en bra bild om hur fusionen och integrationsprocessen fungerat i Nordea.Resultat & slutsats: De olika kulturerna inkluderade olika ledarstilar i fusionen och en viss anpassning har krävts av cheferna för att samarbetet ska fungera.

Syfte: Tanken med detta arbete har varit att se hur en fusion med företag i fyra olika länder som deltagare påverkat en stor organisation som Nordea, undersöka vilka skillnader de olika kulturerna för med sig och vilka problem de orsakat i integrationsprocessen. Jag ville även jämföra vilka olika ledarstilar som existerade i de olika länderna och ta reda på om det påverkat chefernas ledarstil i Sverige. Även massmedians bevakning under integrationsprocessen undersöks för att se deras inställning till sammanslagningen.Metod: I denna uppsats har både sekundär- och primärdata använts. Jag har studerat vad andra skrivit om fusioner, kulturens påverkan och olika ledarstilar men jag har även samlat in egen primärdata genom intervjuer med två personer från Nordea. Sedan har jag jämfört resultatet av intervjuerna med teorin för att få en bra bild om hur fusionen och integrationsprocessen fungerat i Nordea.Resultat & slutsats: De olika kulturerna inkluderade olika ledarstilar i fusionen och en viss anpassning har krävts av cheferna för att samarbetet ska fungera.

Many persons with long-term illness experience a decline in their quality of life. Perceived Quality of Life is a subjective term based on prior personal experiences and is highly individual. The aim of this qualitative study was to investigate perceived Quality of Life in persons with Multiple Sclerosis and to get knowledge if physical therapy changes a person?s quality of life. Three women and three men with a range of disability were interviewed in depth.

The number of elderly people has been steadily rising in Sweden for a long time and as a proportion of the population, the increase has been even greater. The population structure in the country means that in the not too distant future, there will be a sharp rise in demand for care and elderly accommodation.A tighter credit market as a consequence of new rules and regulations with a stricter capital and liquidity requirements combined with market turbulence, has made financing property developement more difficult and more expensive which has resulted in many companies using alternative sources of finance.DEmand for safe investments with low risk is high as the market is volatile and banks, pension funds, fund management and life insurance companies are looking for investments outside the stock market that can deliver a safe return in the longer term. There has also been a debate about whether institutional investors as the AP pension funds really should own properties directly.As properties for care and elderly accommodation are definable assets with predictable payment flows, long leases and often a local authority as tenant that would not risk cancelling payments, these would be highly appropriate for securitisation, i.e. to issue bonds or other tradable securities based on the cash flows from the assets.In other words, the securitisation of rent flows would offer the opportunity to create an attractive investment product of the type being demanded, well suited to institutional investor requirements, while at the same time, it can provide an attractive financing opportunity to meet the need for more care and elderly accommodation..

With starting point in the increasing ill-health in Swedish working life today, in form of for example absence due to sickness and early retirement pension, and the knowledge that the working environment effects peoples health in a big extent, I found it very interesting to inquire into how people within the working life experience health promotion and how this can be developed. A qualitative method was used to receive a deeper understanding for the employees? experiences and data was collected through semi structured interviews with employees on a bank called Ikanobanken, in Älmhult. The result shows, among other things, that respondents find responsibility and the opportunity to influence the learning processes and development important. It also became clear that the respondents find participation, motivation, communication and safety essential factors when related to changes in health behaviours.

AbstractThe aim of this review was to describe how quality of life is experienced among patients with diabetes type 2. Literature search was made in Medline and the keywords used were ?diabetes mellitus type 2? and ?quality of life?. Twenty studies were examined and categorized into four sections: Quality of life during complications due to diabetes type 2, quality of life during various treatments, quality of life during depression and quality of life and aspects in relation to the individual as well as social aspects. The designs of the studies were of a varying kind: randomized controlled studies, comparative studies, correlative studies and descriptive studies.

Personal Life Coaching is a new profession in Sweden. A Personal Life Coach wants to empower his/her client to make changes, clarify needs and reach goals. A coach can also be just a pivotal human connection for dialogue. The need for coaching has grown due to the societal changes and unsure rules on the labourmarket. Personal Life Coaching lays the groundwork for competence development and good health..

Vår uppsats belyser hur bankerna arbetar när de sätter sina utlåningsräntor till privatkunder. Vilka konkurrenskrafter som de måste ta hänsyn till och hur bankerna försöker positionera sig på marknaden. Vår teoretiska utgångspunkt har två inriktningar, den första inriktningen handlar om hur bankerna sätter räntan internt, medan den andra inriktningen redogör för vilka möjligheter/hinder som finns för bankerna att positionera sig på marknaden. Vi har i studien valt att använda oss av kvalitativ metod. Intervjuer har skett med personer som har kunskap inom ämnet.

Pensionen är en viktig del av en individs framtida liv som mycket väl kan innebära skillnaden mellan ett lyckligt eller miserabelt liv som pensionerad. I vardagen kan vi höra om pensionen och var vi bör vända oss, vare sig det gäller media, affischer eller annan reklam, men vet vi tillräckligt för att kunna pensionsplanera? Denna kvantitativa studie använder sig av data från en norsk enkätundersökning på internet, för att ta reda på vilka faktorer som kan påverka individers pensionsplanering i form av privat sparande. Studien lyckas bekräfta en positiv relation mellan privat sparande och fyra variabler; årsinkomst, åldersgrupp, tankar kring pension samt sysselsättning..

There is an increase of financial integration, which can be seen in recent mergers of banks, financial institutions etc. in the European Union especially in the Nordic countries. However there are some weaknesses in providing consumers cross border services in the sector of banking, such as cross border bank account transfer of payments. The existing transaction costs do not encourage cross border services. Nevertheless a customer of a global or European bank can anticipate to be treated the same way in all of its branch offices inside the EU countries.

Bakgrund:Betalning med kontokort blir alltmer utbrett så väl i Sverige som i andra länder. Fler tjänster knyts till korten och fler aktörer erbjuder korten. Fördelarna med kontokort framför kontanter är många, men ändå finns det en skepsis mot kontokort i allmänhet och kreditkort i synnerhet. reditkort kan användas dels för att alltid ha finansiella medel när bilen går sönder eller kylskåpet behöver lagas, dels för att köpa en platt-TV på avbetalning. I marknadsföringen av kreditkort ser vi allt som oftast det senare.

AbstractAuthors:Stefan Harrå and Magnus BjörkAdvisor: Markku PenttinenTitle: Accounting Consequences of the change in pension accounting Background to problem: When the revised IAS 19 comes into force January 1, 2013, it means that two of the three accounting principles for defined benefit pension plans are disappearing, including the corridor method. The corridor method has made it possible for companies to defer its actuarial gains and losses. Now that the corridor approach abolished then the unrecognized actuarial gains and losses immediately be covered by equity, which involves very large amounts of some companies. Why the amounts have grown so big is much because of the discount rate. The discount rate is a controversial parameter, and there is disagreement on how it should be fixed.Purpose: The purpose of this thesis is to examine the accounting implications this will have for the company applied the corridor method, and if there is some parameters in the actuarial assumption that is more important than others.Methodology: The thesis has mainly been based on a qualitative research through qualitative interviews with a small sample that is affected by this change.