The insurance industryis challengedby major changesthrough internationalizationand thusgrowingcompetitionwithmore optionsand greater availabilityfor customers.Solvency II, a new regulatoryframework and anew standard forinsurance companies,is therefore implemented in a steptowardsa more competitive Europeaninsurancemarket. Solvency II will result in extensive structural changes for many insurance companies. Newstandards andinternal models must also be implemented by the companies. Solvency IIhasa tightening effect on thesolvency capital requirements forinsurance companies. At the same time it also leads tomajor changesandincreased demandon risk management andinternal control, alongside with demands fordisclosure of informationto the market.

This master thesis is looking into the stories on the internet forum www.resedagboken.se. The stories of Swedish teenaged exchange students in the U.S. are studied and the main purpose is to see both what they are writing about and the reason for why they are spending their time writing down their experiences in a public forum.Even though most of the teenagers here are writing with a specific audience in mind, all the stories are free to anyone to take part of and this causes a difficult position for the teenagers who often seem to forget the public point of view when they are telling about their personal lives.The study is divided into two parts. The first one looks into the content of the stories and the other one focuses on the storytellers and their reasons for writing. The teenagers are writing both a lot about their everyday lives in their new environment, but also a lot of things to keep in touch with what their friends and family in Sweden are doing.

Det har blivit allt vanligare att köpa och sälja företag vilket gör att företagsanalys väcker stort intresse bland revisorer, investerare och analytiker. Syftet med denna studie är att beskriva hur professionella analytiker på investmentbolag i praktiken arbetar inför ett företagsförvärv. Detta kommer förhoppningsvis mynna ut i större förståelse för hur förvärvsprocessen tillämpas i verkligheten. Studien kommer att fokusera på hur värderingar genomförs tills dess köpet är avslutat. Frågan som studien ska besvara är; Hur ser förvärvsprocessen ut för svenska investmentbolag fram tills dess köpet är genomfört?Studien använder sig av en kvalitativ metod och har genomförts med hjälp av intervjuer samt ett beskrivande företag.

Syfte: Syftet med uppsatsen är att utreda huruvida avkastningar mellan etiska aktiefonder och traditionella aktiefonder är likvärdiga. Vidare avser uppsatsen att klargöra hur etiska fonder definieras ur ett teoretiskt perspektiv med utgångspunkt i rådande forskning. Metod: Studien är av kvantitativ karaktär och utfördes med hjälp av fonddata inhämtad från respektive storbank och Morningstar. Det kvantitativa innehållet består av fondernas årliga avkastningar. Undersökningsperioden sträcker sig från december 2008 till december 2012. Teori: Beta, Sharpekvot och Modern Portföljteori. Slutsats: Studiens slutsats påvisar inga större skillnader mellan de etiska och de traditionella fonderna sett till avkastning. Den traditionella fondgruppen var den som hade marginellt bättre avkastning..

Pairs trading is a relatively new trading strategy, the strategy has only been used during a couple of decades. A study made on the American stock market has shown that the strat-egy has generated a positive result. The purpose of this thesis is to investigate if pairs trad-ing has been able to create a positive result on the Swedish stock market during the time period of 1995-2004.The data required for this thesis was collected from Stockholm stock exchange and is ad-justed for splits and issues.The pairs trading strategy involves two stages ? identification of pairs and trading signals. The pairs were identified during a period of 12 months.

This essay attempts to examine the discourse of the Sweden democrats in relation to thevalue system of the Swedish national school.To analyse the political texts I use discourse analysis and especially the method and approachconducted by Judith Lee Bacchi. Bacchi focuses on the construction of a problem in variouspolitical discourses. When performing this kind of analysis the main question is (accordingto Bacchi): ?What is the problem represented to be??I find that the Sweden democrats construct the ?migration politics? and the ?multiculturalpolitics? that is guiding the society as the cause of most problems in our society. To solvethe ?problems? they promote a nationalistic and a cultural racist discourse especiallypinpointing the ?Muslims? as being a problem.Since the Sweden democrats are striving to implement their discourse in the society andschool, and since their discourse already are reproduced by solar students in the classroom,I find it important to examine the essence of their particular discourse and contrast it withthe current value system of the Swedish schools.I don´t find the nationalistic and racist discourse of the Sweden democrats to correspond tothe value system of the Swedish school, mainly due to their strive to create alienation, andby labeling individuals in a reductive manner, instead of using apparent differences as asource for democratic discussions in the classroom.

The banking industry is a fundamental part of the economy in Sweden. Despite its importance, the competition and the concentration level within the Swedish banking sector is relatively unexplored. This paper aims to examine the development of the concentration level in the Swedish banking sector during a period of ten years, 2003 to 2013. The examined banks in the study are the four largest banks in Sweden; Handelsbanken, Nordea, SEB and Swedbank, and four selected niche banks, ICA banken, Ikano Bank, Länförsäkringar Bank and Skandiabanken. In order to examine the development in percentage change, there are six selected variables; loans, deposits and borrowings (both public and households), net interest income and return on equity, which are observed during a period of ten years.

Bankruptcy is a problem for the society in form of high costs for including suppliers, customers, employees, investors, banks, insurance companies etc. The purpose of this study is to confirm or dismiss a bankruptcy prediction model that has been developed in a previous Swedish study, in order to predict bankruptcy with help of specific key figures. The model has only been tested in a larger perspective where the population consisted of all small firms in Sweden, in this study the model´s reliability is tested by that it instead been applied to a minor perspective, where the population only includes Stockholm. With a quantitative approach of 12 different key figures from a total of 60 Swedish smaller registered companies in Stockholm between the years 2005-2007, has been studied. The companies are divided into two groups, companies with good financial health and companies that have ended up in bankruptcy.The results shows that the model is applicable in a smaller population, but some of the key figures do not generate essential or any type of information about bankruptcy, but the majority of the key figures in the model did.

This thesis investigates how a developer can move a desktop application to the web environment. The investigation also includes finding out what are the limitations of a web application and what is not possible to move to the web from the desktop. The question is whether there is any functionality that is gained or lost in the web application after the move.A survey has been conducted to find out what types of problems occur when moving an application from desktop to the web. The authors of this thesis have developed two prototypes for a company who wants to move a limited part of their current desktop application to the web in the future. The prototypes have been developed in Silverlight and ASP.NET.The survey has revealed that one of the disadvantages of web applications is the difficulty in working with local files and hardware on the computer.

I Sverige finns en det en brist pa? kockar. Stja?rnkro?gare och branschfo?retra?dare uttalar sig om att det a?r sva?rt att finna ?bra personal? och att restaurangutbildningarna inte ligger i fas med deras krav. Arbetsfo?rmedlingen har i sin rapport Var finns jobben? (2014a) beskrivit kock som ett paradoxyrke, att det ra?der ho?g arbetslo?shet samtidigt som det a?r brist pa? arbetskraft.

Denna c-uppsats handlar om hur de äldre invandrarnas sociala liv påverkas av migrationen samt vilka tankar de har kring sin omsorgssituation. För att få en djupare kunskap och förståelse för de äldre invandrarnas sociala situation samt deras förväntan på äldreomsorgen gjordes en kvalitativ intervjuundersökning med sex äldre invandrare från Bosnien och Somalia. En jämförelse mellan de båda grupperna redovisades inom olika teman, umgänge, de närstående, åldrandet och hemlängtan, omsorgen i det nya landet. Resultaten studerades utifrån ett interaktionstiskt perspektiv och den teoretiska kunskapen om socialt nätverk och socialt stöd. De båda grupperna hade kommit till Sverige på grund av krig i sina hemländer, de hade inte valt att flytta utan blivit tvungna att fly från hemlandet.

Denna undersökning är en analys av intervjuer som är genomförda med fyra informanter. Tre av dem är första generationens invandrare och den fjärde är andra generationens invandrare. Jag har som ambition att problematisera termen invandrare utifrån begreppet identitet. Jag undersöker hur identiteter skapas, formas och utvecklas i samband med migration. Rami kommer från Irak, Maria kommer från Guatemala, Line kommer från Norge och Kristina är född och uppvuxen i Sverige av kroatiska föräldrar.

Intention: The purpose of this thesis is to see if an active investment decision in the Swedish Premium Pension System would result in a higher return than a non-active investment decision. A non-active investment decision is equivalent to leaving the money in AP7 Premium Savings Fund.Method: This thesis is a statistical analysis and has a descriptive character in which the calculations are based on secondary data, thus the thesis has a quantitative character. Furthermore three active portfolios in different risk categories have been chosen. These portfolios are compared with the AP7 Premium Savings Fund?s returns.

In 2006 there was a change in LMA (1994:37) that clarified the division of responsibility be-tween the Migration Board and the municipalities, concerning unaccompanied children. The social services should now be utmost responsible for the housing and care of these children, to assure that they gain the same standards and rights as all other children. The aim of this essay has been to examine how the division of responsibility has influenced the work of the social services and how they interpret their responsibility for the unaccompanied children. How do the social services investigate and make decisions concerning these children? Do these chil-dren have the same rights as other children? To answer these questions a legal study was made, followed by qualitative research interviews with four social services that receive unac-companied children.

This study test the short-termism of companies listed on the market OMX Stockholm 30. We will use a deductive point of view where the purpose of this study is to investigate whether corporate short-term returns can be explained by the independent variables related to corporate governance and compensation practices. This is to investigate whether there is an intentional action on raising the short-term return in order to achieve a higher CEO compensation. In the study, theories dealing with corporate governance and agency theory have resulted in two hypotheses. Basic Hypothesis H1 is: if short-termism of Swedish industry due to the company's short-term returns can be explained by the independent variables related to the company's management and compensation. This hypothesis could not be verified through the quantitative study. Alternative Hypothesis H2 is: the compensation of a CEO can be explained by the independent variables related to company performance and size.