AbstractTitle: Accounting and Money laundering, a study on how auditors apply the law on Money launderingDate:  May 29th 2013University: Mälardalens UniversityInstitution: School of economy, society and technologyLevel: Bachelor thesis in business economy, 15 creditsAuthors: Pavle Adasevic 910731 Oskar Hallberg 900508Advisor: Kent TrosanderKeywords: Money laundering, Law of Money laundering, Auditor, ABLThe main issue:In 2009 a new law on Money laundering was introduced. The new law aims to strengthen the monitoring and reporting of Money laundering. In 2011 11,464 reported suspicions of Money laundering, only four of them where from audits, how come there so few reports from the auditors?Purpose: The Purpose of the study is to show how audits apply the new Money laundering law in their work.Method: The study was based upon qualitative method. Secondary data was taken from literature, articles and reports.

I conducted this examinasions work because I want to find out how loan to farmes are working and more specific towards younger farmers. What you have to think about before you go to the bank and what the banks are thinking about lending Money to farmers. This work is based on an investment plan propasal for 20 000 laying hens on a farm in the Kalmar area. The investment plan propasals have two diffrent alternetives, one farm on 25 hectares and one on 50 hectares. I have chosen this becouse I wanted to study how the diffrent sizes of farms are changing the banks thoughts about lending Money. These investment plan propasals have included four banks with questionnaire and deep interview.

Syftet med denna uppsats är att testa olika tradingmodeller inom valutahandel, byggda på tekniska indikatorer, för att undersöka om man kan nå en positiv avkastning.Undersökningen omfattar 24 olika modeller, byggda på fyra olika tekniska indikatorer och med tre olika Money management strategier. Modellerna testas på fem olika valutapar under tre månaders tid. Slutsatsen är att det går att nå positiv avkastning och även positiv överavkastning med automatiska tradingmodeller om rätt indikatorer och Money management strategier används. Modellernas avkastning är mer känsliga för valet av Money management strategi än för valet av vilka tekniska indikatorer och parametervärden som ska användas..

The purpose of this study was to examine the media?s portrayal of young people that gamble with Money. Young in this study refers to people in the age 13 to 30. The following questions were examined: How does the press, in this case three newspapers, portray young people who gamble with Money? What discourses in the selected newspapers, regarding young people who gamble with Money, are the most prominent?The method used in this study was Faircloughs three dimensional model for critical discourse analysis which was used together with a social constructionist point of view.

Money by definition is always a subjective human creation. Because of this it is unavoidablethat the physical and mental structure of a specific Money system will have an effect on thesociety where it is circulating. With this fact as a starting point, the thesis is analysing whetherthe Swedish national currency, the crown, is consistent with a sustainable development. Theaim of the analysis is to: (a) identify the major shortcomings of the infrastructure of the crownin relation to its ability to support a sustainable development, (b) evaluate what possiblesolutions there are at hand to adjust for the shortcomings. The method used is purely based ontheoretical analysis, with emphasis on abstraction and causal simplicity.In a modern society, Money is not only circulating as coins and bills, but also as digital assetstransferred directly between bank accounts.

The main goal with this thesis report was to come up with ideas of how to make the use of energy more effective and thus save Money for the company.First a survey was made to find out where and how the energy consumers were divided within the company. The results were then used in calculations to find out how much Money that could be saved and how long it would take to get back the investments.There is a big potential in saving Money by recovering heat from the UV-lamps with a heat exchanger. It would also even out the pressure in the factory which is a source to heat loss and a cause for discomfort amongst the employees. It?s possible to save 105 000 kr in a year and the Money needed for the investments is 600 000 kr.By using the recovery air more effectively the company could save up to 250 000 kr a year in lowered heat purchases, but this would require the use of automatic dampers.If you reschedule the running times for the wood chipper and invest in some kind of load management, for example Sydkraft?s ?Energidirigent? you can save at least 42 000 kr.

In this paper the authors are trying to understand what separates men from women when they save and invest their Money. But also what factors that influence them in their decisions. To investigate how men and women actually act when investing their Money the authors construct a survey. The authors also turn to the Swedish banks for information on how they think there customers are behaving. The authors find that men are more risk- taking than women and therefore invest more in products with higher risk, for example shares.

My purpose with this study was to find out if it is possible to buy a farm today for a person who want to start a farm but has very little own capital. In old study?s they have come to the conclusion that you will need at least 20 % own capital to succeed to management the farm. But in the last year the cost for arable land approxley has increased with 30 % in Sweden and the crops have doubled in price. So it would be interesting to see if the banks have a new vision on the need of the own capital when you buy a farm. I have chosen two different farms who was for sale in Östergötland, one dairy farm and the other farm was a plant farm.

Syfte: Studiens syfte är att undersöka huruvida det går att prognostisera utveckling på OMXS30 med hjälp av lämpliga tekniska analysverktyg. Detta för att utreda hur relationen mellan den Effektiva Marknadshypotesen och Behavioural Finance ser ut på den svenska marknaden. Vidare är syftet även att undersöka möjligheten till att förbättra avkastningen med hjälp av tydliga restriktioner avseende Money management. Detta undersöks för att klargöra om en högre avkastning kan erhållas med denna investeringsstrategi jämfört med passiva alternativt slumpmässiga investeringsstrategier. Metod: Tre tekniska analysindikatorer testas på svenska OMXS30 mellan åren 1987 och 2008.

A young adult is defined to be in the ages 16?25 and it is during these years that they step in to the job market. Many young adults feel pressured by society to have a job and to keep it. There are motivational factors such as Money, activity level, variation, social contacts and personal development that drives the young adult to want a job. The purpose of the study was to examine which motivational factors are significant and the difference between the genders.

Background and problem: In March 15, 2009, the third piece of Money laundering directive was introduced which mean a more strict legislation in control against Money laundering and terrorist financing. The directive is based on a risk based point of view which means that the resources should be used where the needs are. The responsibility for financial companies and other parts are bigger then before which means that they have to get a more extensive customer knowledge etc. It has however been appeared that the directive in some cases lack of precision and clarity which creates an insecurity among those who are included by the law. Purpose: The purpose of this paper is to examine which consequences the third piece of Money laundering will bring on the banks customer relationships and how the employees work assignments at the banks will be affected. The authors also want to examine how the extension of Money laundering will be affected and clarify if there is any indistinctness about how the application looks around the banks.Method: The authors choose to use a qualitative method and the empiric material has been collected through personal meetings, telephone interviews and through e-mail answers. Conclusion: The majority sees the third piece of Money laundering directive as something positive which will protect both the banks and their customers.

The purpose of this study was to examine and illustrate how people look at themselves and their happiness in relation to their economic situation. This study was based on interviews with eight adults divided in two groups, four were big-income earners and four were unemployed/sick-listed. I identified factors that affected the feeling of happiness such as family, friends and economy. During the process four themes were identified, happiness, work, economic strain and the importence of Money versus happiness. The analysis was based on the concept of aspiration levels and an economic perspective.The conclusion of the analysis was a surprise to me, showing that economic strain could be detected in both groups but by different means.

AbstractWe live in a world today that is characterized by the Internet. We can get hold of people on the other side of the globe whenever we want and we can purchase what ever we want, from who ever we want, anytime we want. This development has made it important to find systems of dealing with the payment in a safe and secure way, both for a private person as well as for a company, when you do transactions with people far away, and those systems is the core of this essay. As a private person you sometimes need to transfer Money to family members who live abroad and you can then use clean payments. This means that banks all over the world has systems which makes it easier when their customs wishes to transfer Money abroad.

rspective [123][pdf.gif] The aim of this thesis is to study the Swedish Public Lending Right PLR from the authors perspective. I investigate what the Swedish authors of today think about the system for distributing the Money in the Authors trust Författarfonden, and in what ways they want to change it. I also try to distinguish the authors thoughts about how the scolarships from the Authors trust are distributed. What kind of authors do they think are favoured when the Money is distributed and what kind of authors are treated unfairly. Finally I investigate how the Money is shared out in reality by using some of the literature sociologist Johan Svedjedals theories of the distribution, and compare these facts with the authors thoughts about how the Money is distributed.

Public procurement in Sweden is regulated by the Act on Public Procure­ment (lagen om offentlig upphandling, LOU, in Swedish). The Public procurement in Sweden stands every year approximately for 500 bil­lion Swedish crowns of the taxpayers? Money. It is therefore im­portant that the Money is spent in the best possible way. The focus in this study is set on the relationship between the small- and medium sized building entrepreneurs and the government.