How does proverty affect the amercian dream in the play death of a Research Paper

How does proverty affect the amercian dream in the play death of a saleman and in the world today - Research Paper Example This reality exposes us to realize the great falsehood about poor people and makes us sit back and re -look at the mammoth economic and social problem existing in our midst. View of general public reflects a negative and racial concept about poverty. There is a general assumption that African Americans are poor and lazy and even though they are part of working class, they purposely remain without jobs. False promises and inconsistent government policies to eradicate poverty are some of the reasons for this sorry state of affairs. The financial insecurity has played havoc with the lives of people, especially low – wage workers in the United States. This has brought about a financial insecurity in their lives as they are faced with the fear of job losses and rising cost of living. There is a new interest by the policy makers of America for regeneration of national focus on the worrisome social and economic problem. The founding fathers of the constitution of America felt that ha rd working people would be able to realize their dream. The story of Death of a Salesman â€Å"proves that people still dare to dream and make it big like their other fellow beings.

The types of risks and risk management measures which are needed in a Essay - 1

The types of risks and risk management measures which are needed in a financial institution - Essay Example The paper tells that risk is always going to be present in a financial institution and the higher the risk, the higher the return that the institution gets. Basically, risk and return are related in the same direction. A minor example of this would be a bank charging different interest rates on different individuals who have opted for the same loan. The individual who has a relatively poor credit history is likely to receive a higher interest rate as there are chances of him/her not paying the loan bank. Therefore, there is a higher risk and the bank gets a higher return through the higher interest rate charged. However, risk needs to be managed and there can be several huge losses if the financial institution is not ready to deal with it. Risk management is a type of strategy which every financial institution needs to have at its core and there are several parts involved in this including monitoring the risks, measuring these risks and controlling risks. It is the analysis of risk m ixed with the element of quality risk controls. Risk management is required by banks and financial institutions as a safety measure to protect the institution from any major financial problems. The uncertainty and the potential inherent risks that come with the financial markets makes it important for most of the financial institutions and banks to use risk management. The risk management controls are one of the major determinants of the financial stability of a bank. Systematic risk is also known as diversifiable risk. Basically, this particular type of risk means the risk of the change of asset value associated with systematic factors. Therefore, the risk cannot be fully diversified. There are several subcategories under systematic risks and there are various ways in which the value of an asset can be affected. The determinant of the change in the value of the assets owned by the institution and it depends upon natural and economic factors including interest rates affecting the va lue of the assets, an increase in inflation might cause an increase in fuel prices which might affect transportation and stock value and changes in economic conditions which may cause several changes in the value of