The main purpose of the essay was to evaluate whether investments in index-linked bonds were suitable investments for smaller investors on the international finance market. To determine whether the index-linked bonds are good investments, the variables yield, cost and risk were used to measure the index-linked bonds against investments in stocks and funds. The reason for the interest in this subject is that investments in index-linked bonds have grown furiously the last few years. With the growth of the investments the criticism of index-linked bonds has also grown stronger. The critics? main point is the cost of the product, and they imply that investors can create their own index-linked bond and thereby avoid the bank fees.This study used a quantitative approach, because all the data of yield, cost and risk consist of numbers.

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.

This report describes a thesis project on 15hp. The purpose of the thesis project is to build a laser projector that reacts on sound waves and thus get a laser beam to draw visualizations of sound waves on a wall. The idea was that the design would be independent and not have to be plugged into any audio equipment. This was achieved by absorbing sound waves into a microphone. Another factor was to get a ?do it yourself? -feeling of the design and therefore it was chosen to be constructed using for example, old hard-drives.The result was a relatively large and bulky designed laser projector that can draw sound waves on a wall..

Oscar Jacobson was founded in 1903 in Sweden, which at the timewas a leading country in the textile industry. During the 1960s morecompetitors arose as the fashion industry grew stronger and theglobalization became a fact. Today there is an abundance of brandsand products in the fashion- and textile industry. This has given thecustomers a greater range of products to choose from. We can seetendencies of customer not being as brand loyal as they used to.

Bakgrund: Det rådande pensionssystemet i Sverige består av sex så kallade AP-fonder. Genom åren har pensionssystemet flertalet gånger kritiserats för dess låga avkastning.Problem: Vår huvudfråga är att jämföra AP-fondernas risk och avkastning med aktiemarknaden som helhet, detta ska ske med hjälp av två jämförelseindex: MSCI World och SIXRX.Syfte: Syftet med uppsatsen är att jämföra de fyra första AP-fondernas risk och avkastning med aktiemarknaden som helhet under åren 2002-2010.Metod: Vi har använt oss av en kvantitativ metod, genom att samla in information från AP-fondernas årsredovisningar och hemsidor. Vi har samlat in historisk data, som vi sedan har bearbetat och analyserat.Slutsats: De studerade AP-fonderna har presterat sämre än aktiemarknaden..

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.

The purpose of this essay is to investigate whether the implementation of the Solvency II directive will create a competitive advantage for the Swedish insurance companies compared with other insurance companies in Europe.Therefore the theoretical perspective illustrates the specific requirements and risk culture of the insurance industry and defines the critical success factors for a successful implementation of the directive. The empirical foundation is built on the QIS 5 reports for Sweden and Europe, interviews with the financial services and If insurance company as well as information from a seminar organized by KPMG. The analysis shows that the Swedish insurance companies meets the capital requirements of Solvency II by a large margin and that they are accustomed to risk management and reporting requirements from the traffic light model. This implies that the three critical success factors for a successful implementation of Solvency II are met, although with some limitations, and that Swedish insurance companies could possibly have a competitive advantage.     .

It is estimated that 22 000 contaminated areas exist in Sweden today. In order to classify the risk of contaminant migration from these areas and to prioritize which of these contaminated areas should first be treated, the Swedish Environmental Protection Agency (EPA) has designed a method, for the investigation of contaminated areas (MIFO). One of these contaminated areas is the landfill Gräsötippen outside Köping. The landfill has been used by both Yara AB and the Köping municipality between the years 1945 and 1975, and both industrial and household waste have been deposited there. The aim of this report is to survey which contaminants that can be found in the soil and water in the landfill Gräsötippen and to evaluate the migration of these contaminants.

Phosphorus (P) is an essential nutrient but a surplus could lead to eutrophication. Furthermore, the minerals used to produce the mineral phosphate is a non renewable resource. There are in other words several reasons to reduce the leakage of P and the agriculture is one important area to attend. The aim of this work has been to investigate if carbon-rich arable soils content contain more P than arable soils with low carbon content. Moreover it has been calculated if the carbon-rich soils could pose a risk of P leakage by comparing their delivery of P with the plant uptake. The work has consisted of compiling the results from former gathered and analysed soil samples of 130 Swedish arable soils. The fractions of P considered are water soluble P (Pw), ammonium lactate-extractable P (P-AL), hydrochloric acid-soluble P (P-HCl), organic ammonium lactate-extractable P (Porg-AL) and inorganic ammonium lactate-extractable P (Porg-HCl).

Bakgrund och problem: Vi upplever idag en världsomfattande ekonomisk kris med fallandetillväxt, minskad konsumtion och kreditåtstramningar. För knappt två år sedan var läget detmotsatta och de flesta av världens större börser nådde sin topp. Företag behöver oavsettkonjunkturläge finansiera sin verksamhet, i många fall räcker inte interna medel utan externtkapital behövs. Företagens val av kapitalstruktur kan i goda tider öka avkastningen men kan isämre tider orsaka stora problem som kan leda till konkurs.Vid val av finansieringspolitik i ettföretag måste vissa avvägningar göras. Ett av de mest väsentliga valen som företagsledningenmåste ta ställning till är storleken på skuldsättningsgrad som i sin tur styrs av mål förräntabilitet på eget kapital och i vilken utsträckning man är villig att ta risker.Syfte: Den här undersökningen syftar till att undersöka om det finns några samband mellanden finansiella risken i de undersökta företagen och storlek, tillväxt och lönsamhet.

The increase in farmland value in Swedens plain areas is a well known fact in today's Swedish agricultural. In connection with the fluctuating prices of crops and inputs, are increasing the risk exposure to agriculture. The increased value of agricultural land has in Sweden over the years been due to a high demand for land that has existed and exists in Sweden. The increasing demand is linked to a structural rationalization of Swedish agriculture, leading to fewer and larger farm units (www, privataaffärer, Carl Johan Jurss).The purpose of this study is to examine the potential risks associated with the farmland value falls or remains unchanged, according to a farm credit administrator's perspective. The idea is to get a picture of the main factors taken into account when lending and the problems with falling or stable land prices into account when lending.

Theories about exposure and risk-taking in an everyday environment show a connection between parental strategies, parent-child relationship and exposure on the Internet. In the present study, the Internet is presented as an everyday activity. Negative exposure is seen as an outcome of risk-taking. The purpose of the study was to examine in what way parental strategies together with the parent-child relationship were related to the teenagers? negative experiences on the Internet, which consisted of three categories: 1) Exposure to pornographic sites, 2) Exposure to upsetting and violent material, 3) Digital bullying.

Emissions of radionuclides to the atmosphere can lead to wet deposition on plants in the event of rainfall. An increased level of radioactivity in the plants may occur due to interception and retention of the radionuclides. If the content of the plants is above the threshold limit value, entire yields may have to be destroyed. In order to prevent contamination or decrease the content countermeasures can be taken. The impact of the biomass, leaf area index (LAI) and growth stage of the plant on the interception and retention is important to know in order to decide which countermeasures to use. Weather may also be an important factor. In this work the interception and retention of 134Cs and 85Sr by spring wheat, ley and spring oil-seed rape was studied.

Syfte: Syftet med den h?r systematiska ?versikten var att unders?ka det vetenskapliga underlaget f?r om det fanns ett samband mellan vegankost och risk f?r frakturer hos kvinnor 45 ?r och ?ldre, j?mf?rt med icke-vegetarianer. Metod: S?kningen delades in i fyra s?kblock inneh?llande synonymer kopplade till ?Fraktur?, ?Vegankost?, ?Medel?lder? och ?Kvinnor?. S?kningar efter prospektiva kohortstudier gjordes i PubMed och Scopus samt i referenslitteratur. Inkluderad population var kvinnor 45 ?r och ?ldre som ?t en vegankost.

SAMMANFATTNINGBakgrund:Det skulle vara värdefullt att ha ett riskbedömningsinstrument för att identifiera äldre patienter som är i risk för komplikationer efter kolorektal kirurgi.Syfte:Att undersöka förekomst av postoperativa komplikationer hos äldre kolorektalpatienter och om riskbedömningsinstrument eller andra faktorer kan förutse dessa.Metod:En prospektiv studie med kvantitativ ansats och deskriptiv design.Urvalskriterier var patienter, män och kvinnor, ? 70 år, elektiv kirurgi för kolorektaltumör. Datainsamling gjordes före kirurgi genom intervju med standardiserade frågeformulär och test. Journalgranskning genomfördes 30 dagar efter kirurgi.Resultat:Trettiosex procent av patienterna utvecklade någon form av komplikation. Vanligaste komplikationerna var sårinfektion och urinvägsinfektion.