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.

In Eskilstuna and Sweden in general the level of reuse of surplus material containing soils and rocks from excavation is low. In this report the potential for increasing the reuse of excavated material in Eskilstuna by using a web-based earth information database has been examined. The purpose of a web-based earth information database is to connect those who have surplus material with those who need material for a fast and simple transaction. The intention is to give Eskilstuna a more environmentally and economically efficient handling of surplus material by increasing the level of reuse and thereby reducing the amount of surplus material that is wasted and emissions given off to the atmosphere during transportation. The potential has been examined in two different ways, by tracing information about a number of projects to see if excavated material driven to the dump could have been used in another project and by interviewing eight of the work leaders active in Eskilstuna.

In this essay I?ve chosen to do a comparative analysis of the two films Män som hatar kvinnor (Niels Arden Oplev, 2009) and The girl with a Dragon tattoo (David Fincher, 2011) based on feministic theories. I have done this with the intent of comparing the two versions way of viewing the woman. The analysis is based on my own questions, observations and interpretations, and has a hermeneutic approach.My conclusion is that ?The girl with at Dragon tattoo? is closer to Stieg Larsson?s original story that both films are based upon, though the Swedish film Män som hatar kvinnor has got more of a feministic purpose.

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 economic situation in the Swedish agricultural industry is currently experiencing a development towards larger units. This progress occurs simultaneously as farmers in cooperation more frequently make investments to decrease risk exposure and to improve the financial result. The purpose with this thesis is to study which advantages and problems a group of farmers experience after a common investment in a small-scale seed production. The aim with this investment is to increase the level of vertical integration in their respective agricultural firms and the results will be analyzed from an economic point of view. At present, the farmers are all seed producers with considerable cultivation areas.

The purpose of this study was to conduct a qualitative study with a case study research design, where we studied social workers and politicians view on honor-related problems of underage girls and boys in the age 13-17. We need knowledge about honor related violence and oppression in the political community and social services to work with honor-related problems. Political decisions affect how social work is developed around the honor problem; therefore, it is also important to highlight this direction for the work. It requires a knowledge complement of honor-related problems not to risk exposing the child to further risk from the family (Hedersförtryck, 2009). This is to live up to, for example the law of Social Services, school law and Human Rights (Hussein & Kinuka-Svedberg, 2010).

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.

This is an essay about health promotion and organisation development. The problem concerning all health issues that can be tied to work related illnesses has long been a problem in Sweden. For example did this problem alone cost the Swedish government 25 million crones a day between the years 2000-2001. This is a major issue and there is lots of money to save in this area. This is why we wanted to research how to promote health by changing the structure of the selected company.

In this essay I will make a comarison between Agnes von Krusenstjernas book (1934) and Mai Zetterlings film (1964), both titled ?Älskande par?. I will do this based on theories about queerness in film, comparing movies to the literature they are based on and intersectionality. I will also use Mariah Larssons book Skenet som bedrog (2006) about Mai Zetterling and Larssons analysis of the film ?Älskande par?..

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.

Abstract Semester and year: Spring, 2008Writers: Victor Andersson and Filip ForslundTutor: Thomas HelgessonProgram: Marketing program, Halmstad University - School of Business and EngineeringTitle: Differentiation from a consumer perspective - How important is differentiation from a consumer?s perspektive when choosing a residence? Presentation of problem: How important is differentiation from a consumer?s perspective when choosing a residence?Purpose: The purpose is on basis from previous theories on the subject to describe what kind of differentiating that from a consumerperspective is the most important when choosing a residence. Key words: Differentiation, brand, apartment market Methodology: This thesis is built on an qualitative method, where eight open individual interviews have been made. Our choice of respondents was based on what kind of respondents that could give us the most accurate information on the subject which we based on relevant variables. Theory: The framing of the theories is based on a marketing perspective within the area of differentiating and focuses on how companies use different tools to differentiate their offer to create competitive advantages.

The purpose of this study is to find out how the four teachers at the two preschools believe they are working with gender and how they actually work with it in practice. It also aims to show how they treat the children at the preschool based on their gender.What is the preschool teachers view on gender and equality?How do they consider that they work with gender and gender equality, and how do they really work with it in practice?The study is based on a qualitative study were I chose to both interview and observe four preschool teachers from two different preschools. My theoretical starting point is Yvonne Hirdmans theory of gender and also research on gender equality. The results show that the majority of respondents believed that gender and gender equality means almost the same thing or have the same meaning.