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.

The object of interest in this essay is the issue of reducing work hours and how that issue was handled in the Trade Union Confederation (LO). In previous research the struggle for shorter work hours has been viewed as a struggle between trade union and employers? organizations. The previous research has had difficulties in explaining LOs part in this struggle, their actions have not been the expected. LO had not played an active part in the struggle for shorter work hours and the previous research has not been able to given a satisfying explanation for this.

The decisions for investment are forward-looking and the base of a long-term strategy. The research within investment have focused on diverse formulas which are used in financial assessment, which also should be complemented with qualitative evaluation. Consequently, the focus should not only be on the execution of the formulas. Less time have been spent on research concerning what actually initiates the investment proposals and affects the decision-making. This will be highlighted in this essay.

This thesis deals with our heritage and the care of old buildings. In order to limit this vast area a specific attention has been brought upon the process of giving buildings a certain level of protection and after decision having it taken away, instead of giving a stronger protection level.Further limitation has been done through the choice of four buildings in Lund, within Lund University campus. These buildings all lost this certain level of protection. The participants in these kinds of cases have a level of power, what argumentation did they use?The methods being used are discourse analysis, phenomenology and the daily methods of the building care field..

Organic layers and broilers will according to (EEG) no 2092/91 be fed 100 % organic feeds in year 2012, which is expected to present problems associated with the specific protein requirements of poultry. This document aims at describing the feedstuffs that possibly may constitute a part of the solution to these problems. Peas, field beans, naked oats, canola, hempseed and sunflower come out as interesting feedstuffs. Biproducts from the milling and dairy industry together with marine protein supplements may be brought to the fore, provided that the demand for organic products will rise further..

The national bibliography is an important tool in information retrieval. Bibliographies as lists of books have existed for centuries, but the national bibliography as we refer to it today, as a directory of the total national imprint, has only existed for about 50 years. The object of this thesis is to investigate music documents in Scandinavian national bibliographies. The method I have used for this investigation is a comparative study of the music departments in the national bibliographies in Norway, Sweden and Denmark. The investigation is performed by answering the following questions: How do Norway, Sweden and Denmark live up to IFLAs Guidelines and recommendations for the national bibliography? Can one discern any differences between the three countries in this area? The documents in focus are sheet music and phonograms.

The purpose of this essay is to analyze and understand how producerbrands are able to communicate their brand through today's marketing channels, also how development and changes that occur in the society can affect the producers communication abilities. We have seen a tendency that many retailers have created their own brands that are competing with the producers, this leads to the fact that producers in some cases are having trouble communicating their brand to the end-consumer. The fact that the producers marketing through retailers now is more limited than before, the producers now have to capture the consumers wants and needs through other channels.This essay is based on a qualitative method involving seven interviews. The persons that we've chosen to interview are carefully selected based on their specific knowledge about the subject in question..

After the last is age there was a long period when there was no shortage of forest for peoples needs. People living in Sweden could use the forest resources at their will. Around 4000 years BC the inhabitants of southern Sweden started to use the agricultural system and people become more stationary. The farms were located together in groups and together they formed a social association, the village. Successively the population grew and in some areas the forest started to become a finite resource.

An organism that is transferred from one place to another, causing major problems to the native species is termed invasive. Its natural dispersal across barriers may have been prevented but as man has turned able to rapidly travel all over the world organisms are brought to sites where they were never before observed. Adding the increasing global warming organisms may find it necessary to move around even further. This might cause major disturbance to the biological diversity, and hybridization and homogenization is one of many scenarios that could disturb the native diversity. In Sweden more that 2/3 of all alien plant species have been introduced to disturbed areas and the major introduction mechanism is gardening.

Many interactive products constructed today is not produced towards a specific targetaudience and how they will interact with the product. This master's thesis follows the designprocess in the development of the Let's Walk webapplication. In the designprocess has users of the webapplikation been identified, prototypes developed and an interactive version has been evaluated. The Let's Walk webapplication is a fully working system used to administrate Let's Walk, an exercise competition between companies. Experts and users have been involved to evaluate the Let's walk high-fidelity webapplication prototype.

Using leaching test is a way to get a picture of pollutants retention and leaching in a risk assessment on contaminated land. There are several different types of standardised leaching tests today, where the natural leaching processes are speeded up to make it possible to predict the leaching of pollutants. These leaching tests have been developed for waste and there are no specific guidelines on how to judge the results from the tests, when making a risk assessment on contaminated land. This work is an investigation on how to use leaching test in this type of risk assessments. The strengths and weaknesses of the different types of tests are discussed. Depending on what type of information you want from your leaching test, different types of tests are suitable.

This essay examines the speaking subject in Katarina Frostenson?s poetry through a phenomenological perspective. The study is focused on how the subject appears, the relation between the subject?s inner world and the outside world, and the relation between the speaking subject and language. The purpose of the study is to expand the understanding of questions regarding the subject in Frostenson?s poetry by using a phenomenological approach ? a perspective that is missing in previous studies.

The current paper compares the relations between different measures of activity and some common neuropsychological tests. One-hundred and fifty five healthy elderly, aged 55 - 85, living in Sweden were included. Gender-specific patterns were found for both activities and correlations between activities and cognitive measures. The main findings suggest that activities are associated with cognitive speed in men, whereas, for women, active and passive activities correlate, positively and negatively accordingly, with education. In comparison, complex models of activity outperform simpler ones and theory-driven measures just barely outperform intuitive models..

Horses respond individually to challenges, and the possibility to use these reactions to evaluate equine temperament with an objective instrument would have several advantages. Horse welfare could be improved by making it possible to find individuals best suited for a specific use, and understanding of the development of abnormal behaviours, such as stereotypies, could be increased. Management routines and training could be adjusted tosuit each individual horse and it could facilitate the selection of individuals appropriate for breeding. There are also economic implications, as horse buyers consider temperament important and after evaluating temperament, money can be spent solely on specific horses with all the right qualities. During the last decade, many attempts have been made to measure different aspects of temperament in horses, and the first aim of this project was to look at these studies and see which methods were used and which temperamental characteristics they measured.

In the Real Estate market there are a large number of commercial properties with offices. As acompany or business you are faced with many decisions when choosing your office space.This bachelor thesis examines the concept of architectural quality with focus on beauty and itsvalue for office tenants. The ambition is to find out if beauty is a decisive factor in theselection of office and if there is a willingness to pay for it.The selected question is studied in a case study of Garnisonen where tenants, a propertyowner and an architect are interviewed, all with connection to the examination object.Garnisonen is well suited as a case study because it is Stockholm's largest office complexwith buildings from three different architectural eras. Tenants in the survey represent allarchitectural styles and have different industry affiliation.As a theoretical framework a literature study is presented where the importance of beauty forthe individual, the built environment and society are treated, and also how the office can beused for branding purposes. The interviewees? views of beauty and their opinions on beauty atwork in Garnisonen are presented in the results.