The purpose of this study is to determine if and how male or female everyday languagesdiffer. The study is based on ten interviews with five men and five women living inHalmstad, who are between the ages of 22-29. The interview results were analyzed andcompared with previous research on the subject. The result shows that there is adifference between the male and female informants use of language. Women laughing,using italics, hedges, the word så ?so? and response signals to a greater degree than men.The reason may be that men and women basically use different conversation styleswhen they communicate, that men prefer a public speech, intended to provideinformation and knowledge.

Valmets own foundry in Karlstad has during a long period of time had problems being profitable. The goal today is to turn this around. Today there are three different productionlines; engine blocks, Yankeecylinders and components for the wind turbine industry. This master thesis has focused on examining if value stream mapping is a useful tool to use in a foundry, and therefore outside the typical manufacturing industry. The target has also been to evaluate if there is a possibility to improve the flow in the foundry and also the results.During the 20 weeks this work has been done at the foundry data has been collected and analyzed.

Background: Previous studies focused on customer loyalty and customer satisfaction. But no studies focused on the interaction between the financial advisor and their client. Therefore we have chosen to focus on this knowledge gap.Purpose: The purpose of this thesis is to illustrate how the interaction between financial advisors and customers affect financial advisory in investment decision making.Method: The thesis philosophy was positivistic because patterns were found with help of a survey. Furthermore is the paper quantitative since the thesis is measurable and it try to explain the interaction between the financial advisors and the clients demographic characteristics and how it influence the financial advice Conclusion: The theories thin-slicing and similarity attraction paradigm may not apply to the interaction between financial advisor and client..

Our project is divided into two parts, one production and written report. The main focus was the production part, were we used PHP to create simple solution for handling SMS and MMS with direct communication with the mobile operator server. We communicate with sockets and can handle CIMD2 and MM7 protocol. To get our components easy to use we have created two classes to handle SMS and MMS. To demonstrate our technical platform we created a website were you can create an account.

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.

This study was aimed to examine what happened when a municipality in Sweden invested in ICT. The purpose of this study was also to find out how the change of process with ICT investment was expressed the need for more knowledge. This was called ?one-to-one? with the goal that all students would have their own computer during their years in school.Teachers have been interviewed and observed about how they work with ipads during reading and writing lessons. The teachers in this study said that they need more knowledge to improve their everyday work with ipads.

Article 4.1(h) in the Rome I regulation establishes which law that will be applicable on contracts concerning financial instruments concluded in multilateral systems. The main problem is that most contracts concluded within these systems have standard clauses which contain a clause on the applicable law. If this is the case, Article 3.1 in the Rome I Regulation is applicable instead. This problem makes it difficult to find a need for article 4.1(h) if it will only be applicable in exceptional cases. However, the legal position on this matter is still unclear since the Rome I Regulation has just been put into force.

This report treats whether it is viable to invest in solar heating to heat the therapy pool at Östersunds Rehabcentrum. The rehab center is owned by the county council of Jämtland and is located on Solliden in Östersund city. The solar heating where supposed to be a complement to the district heating that was heating the pool in the current situation. Later, it however showed that this was not the case. The pool is currently being heated by a radiator circuit that is being heated by the district heating.

This study is based on a statistical analysis of fundamental key ratios on the Stockholm Stock Exchange during the period 2004-2012. In total 35 financial ratios of 90 companies were tested, ultimately five ratios remained within the 5% significance level. These ratios were ROA, P/B, Total Yield, EV/EBIT and Operating Margin. A custom made investment model was created based on the purpose to achieve a risk-adjusted excess return. The results in general did not show any significant difference in return between the model's portfolio and index.

The knowledge of early employment experiences has evolved over the last decade in countries such as Australia and Great Britain. In Sweden, this type of research is still unusual and the aim of this study was to break new ground by highlighting some areas that could be of extra interest in the Swedish early employment research to come. A focus in the study was to give an overview of what job sectors school students work in; and the amount of jobs aquired through school-organized work placement, private social networks or personal marketing of own merits. In addition to this, a multi variate analysis was carried out to find patterns in the picture of early employment experiences among students at upper secondary school. The findings of the study has relevance for ways of conducting career counselling and therefore the general aim of this study is to point out the importance of developing the practises of vocational psychology.A survey among 74 teenaged school students with economics as their main subject has been carried out in a mid-size Swedish city May 2012.

In Sweden we need more lambs during March to June. I decided to calculate on a spring lamb production, because to many of the Swedish lambs go to slaughter in the autumn. I counted on 1000 ewes which have 2000 lambs each year, 200 of these lambs stays on the farm and replace old ewes. The buildings are 3600 square meters. I have counted on two different sorts of buildings, the first one is a shed, the second one is three polytunnel sheephouses.

The internet has fundamentally changed the way people communicate. With all the information that we are sharing over the internet, and the ways which companies want to use our information, the importance of keeping our private information secure has increased. This thesis aims to discover what attitudes internet users have against privacy on the internet, and what ? if anything ? they are doing to protect their personal privacy.We distributed an online survey to internet users in the Stockholm area, and conducted three interviews with persons in our target population. The results of these studies show that people in general are very aware of privacy concerns on the internet, but that their attitudes toward how important personal privacy on the internet is, differ somewhat..

ABSTRACT System development has become more and more concentrated on development for the Web and this has resulted in larger target groups. It will most surely continue to be so considering that the Web will be the infrastructure of business and services in the future. A big target group involves that the owner of a system can earn a lot of money from the paying users, but that assumes that the system can meet user needs. If a system on the Web does not satisfy the user?s demands then they will use the competitor?s system instead because it is only a mouse-click away.

Problem: The question is if investors falls into psychological decision traps when they are about to make an investments decision. Research in other areas suggests that this may be case. The reason is that they are not aware of that psychological decision traps exist. If so, it can lead to pernicious consequences for the return on the portfolios they manage. Purpose: To investigate if investors fall into four different psychological decisions traps: anchoring, confirming evidence, overconfidence and regression towards mean, at investments in IPOs Method: We have collected data through a form of experiment.

During the 20th century Sweden faced an increased proportion of workers registered as part-time unemployed, especially in the care sector. However, due to many valuable efforts, aimed at solving the problem of part time unemployment and political decisions, the number of people who are part-time unemployed has declined since the late 20th century. We have investigated part-time workers preferential right to extending their working hours. According to Section 25 a of the Employment Protection Act, part-time employees who have submitted an interest in increasing their working hours has a preferential right to increased working hours, with the assumptions that full-time employment with the employer will meet a labor need that the employee has sufficient qualifications for.Qualitative interviews have given us information about how Karlstad Community and a private care company deal with part-time unemployment and their workers preferential right to extending their working hours. We have found that people who work for Karlstad Community have an opportunity to choose their number of workings hours, thanks to a political decision made in Karlstad Community, aimed at solving the part time unemployment in the care sector.