Monday, May 25, 2020

The Tuition Hike - 894 Words

Due to the recent recession, the economy has forced universities to raise tuition prices. All funding for higher education has dropped 14.6 percent since 2008. For most universities net tuition has risen from an average of three thousand four hundred fifteen dollars to four thousand five hundred forty six dollars. That is a 21.1 percent increase from the previous year. (CBS News) The economy is starting to show the impact of how people are going to choose college. In southern states most colleges have seen an increase of over 70 percent. And yet families are putting themselves into debt to pay for these increases even though the unemployment rate is rising. (Claudio Sanchez.) Parents value higher education because now days if you don’t†¦show more content†¦Universities also face local government pressure. They have to obtain all the right permits and paperwork to construct these â€Å"upgrades† and often times requires complex negotiations that lead to increa sed financial payments to compensate for the university tax – exemption status. (Ronald Ehrenberg) Based on the writings of Rebekah Nathan in My Freshman Year: What a Professor Learned by Becoming a Student, â€Å"One of the most consistent strategies for making up funding short falls has been tuition increases.† Also stating that a potential determining cause for tuition increases is political forces. Many students are dropping out of four year universities to attend a cheaper community college. â€Å"There has also been and increased reliance on tuition for funding and more pragmatic appeals to state legislatures encouraging curriculum and research initicaves that contribute directly to the economic development of the state† to get more money. (My Freshman Year) The increase is affecting students both financially and determining whether they come back to school or not the following year. Joaquin Beltran from the Los Angeles campus of the California State University states that he cannot afford this increase, he is already living paycheck to paycheck. Students who are receiving financial aid though shouldn’t worry. It is those who are not that are going to suffer the most. Some students who did notShow MoreRelatedThe Ethics Of A Tuition Fee Hike Essay894 Words   |  4 Pages As tuition fees hike, one could sympathize with the average college student’s desire to find short cuts and cut costs. Students typically take advantage of promotional codes, coupons, or gift cards that would help subsidize their daily costs. Now, the next time a student is wiping his or her tears on a napkin over tuition increase, it begs the question, did the students purchase those napkins or just swiped them from a local restaurant? Two individuals w ho enters in similar financial situationsRead MoreReview of Cyril J. Barkers Cuny Tuition Jacked Up1348 Words   |  5 PagesReview of Cyril J. Barkers CUNY tuition jacked up, New York Amsterdam Times, 102(48), 1-35. How might you use the strategies for applying creativity to problems and issues in addressing this topic? There are few solutions, creative or otherwise, available to students in New York City as a result of recent tuition hikes. The decision to increase tuition rates for some New York Citys colleges was met with protests, cancellation of classes, and the arrests of hundreds of students and supportersRead MoreEffects of Higher College Tuition on California Students1211 Words   |  5 Pages Effects of Higher College Tuition on California Students Hudson Pacific Ocean University EFFECTS OF HIGHER COLLEGE TUITION ON CALIFORNIA STUDENTS Read MoreThe Cost of Higher Education754 Words   |  3 Pagesbut in majority of cases adding more and more debt to their lifestyles. Though majority of students receive financial aid, the amount of debt which tuition builds is beyond stressing. For some students relying on their family can help pay the tab. Still, most students have loans and debts in their own name. So many different things make up our tuition, none being cheap. Now a day’s college is about investing your own money and time in order to receive the best education out there, in the outcome receivingRead MoreWhy Not Community College? Essay1094 Words   |  5 Pagesthe public sector. The two main sources of revenue for public colleges and universities are state appropriations and tuition. Generally, as cuts to higher education appropriations occur, campuses respond by boosting tuitions even higher. Yet, regardless of the size of the budget cuts, coll ege and university tuitions continue to rise, and these exorbitant elevations in tuitions are causing many students to change their college plans and enroll in community colleges instead. According to a reportRead MoreCollege Tuition Cost On A Rise Essay1254 Words   |  6 PagesCollege Tuition Cost on a Rise The rising cost of education in Texas colleges started in 2003 when the deregulation was lifted. Then, soon after, the Texas State legislature cut the education budget because of a drop in the economy in 2008. The cut in funding and the removal of the deregulation law allowed colleges across Texas a way to recoup lost resources by raising the cost of tuition. The raising cost of tuition has limited the amount of attending students from graduating in the expected timeRead More The High Price of Education Essay988 Words   |  4 PagesUniversity will pay more in tuition during the 2005-2006 academic year, by a 4.5 percent increase. The State Board of Regents was presented with a proposed 5.2 percent increase at its September 23-24 meeting in Capital City, but decided this month that a 4.5 percent increase in tuition was more reasonable. Even with the additional services that could be made available by the tuition hike, the students should not have to pay this increase. According to the memorandum, the tuition proceeds at State UniversityRead MoreShould Traditional Education Be At Fault Politically?985 Words   |  4 Pageshave embraced that fact. I used to blame the students for their financial misgivings, but higher education institutions are as much to blame as anyone. We must ask ourselves when the last time a university said, â€Å"we’re making enough money so no tuition increase this year.† Students are marketed to relentlessly by banks telling them borrowing is the way to get ahead (Nasiripour, 2013). The US government makes promises that will limit student loan payments while discounting the fact that the longerRead MoreTax Initiatives: Proposition 30822 Words   |  4 Pagesmarines, which allowed me to make good money and save for college. I was in the merchant marines for 5  ½ years. With more classes and lower tuition I believe you would see more people choose to further their higher education instead of working a dead end job. Conservatives believe that prop 30 is unconstitutional. Californians will endure the biggest tax hike in years. Tax payers will cough up $6 billion annually to fund the education expense. Michelle Steele states â€Å"Prop 30 won’t fix our schoolsRead MoreCollege Tuition1075 Words   |  5 Pagesthem through correct documentation.† Student Loans Today college tuition prices are rising. Paying for college can often be a stressful responsibility. A college education is very important for many students, but when stressing on how to pay for college gets in the way, it becomes more of a burden. Kim Clark effectively states the rising prices of college tuition in her article, â€Å"The Surprising Causes of Those College Tuition Hikes.† Clark states that the cost of attending a public university, even

Thursday, May 14, 2020

The Financial Crisis Of 2007-2008 - 928 Words

Define: Introduction The Financial Crisis of 2007-2008 was considered to be the worst financial crisis since the Great Depression in the decade preceding World War II. The Global Financial Crisis threatened large range of the financial organizations. Although the central banks and other banks were trying to keep away from the crisis, the stock market still suffered a huge decline internationally. Other than the global stock market, the house market was also influenced greatly, causing the unemployment, relocation and even the foreclosures. There was absolutely no doubt that the 2007/8 financial crisis brought failure and hard time to the business all over the world, especially the capitalist counties in North America and Europe. Many factors had been discussed to be directly and indirectly caused the Great Recession in 2007 to 2008. After some deep analyses done by the economists and experts, the developed country household debt with the Real estate bubble caused by the low tax lending standards, was the most public belief that people considered as the major cause of the financial crisis. But, who and what was going to be responsible for The Financial Crisis of 2007-2008? Who and What? Who and what should take the responsibility to the Financial Crisis of 2007/8 had been talked for a while in the economy. It might be the Federal Government or the regulators; it could be the bank of the credit rating agencies; it may be the subprime lender and agencies; or even all ofShow MoreRelatedThe Financial Crisis Of 2007-20081389 Words   |  6 PagesOne of the most devastating aspects of the financial crisis of 2007-2008 to middle-class America was the crash of the housing market. Millions of Americans were affected and faced foreclosures on homes that were purchased with subprime mortgages. The impact of these mortgages varied state to state. Nevada, one of the countries leading tourist destinations, led the market in foreclosure rates and housing appraisal drops. The government s false sense of security in regards to the economy and theRead More2007-2008 Financial Crisis1327 Words   |  6 PagesThe Global Financial Crisis of 2007-2008 The Global Financial Crisis 2007-2008 Economists and scholars spend years dissecting financial markets and evaluating the causes of booms and busts. Throughout United States history there have been multiple economic booms that were underestimated and followed by recessions. In the situation of the 2007-2008 global financial crisis many culprits have been identified as causes, such as loose monetary policy, credit booms, deregulation, over complexity,Read MoreThe Financial Crisis Of 2007-2008994 Words   |  4 Pages The subprime financial crisis of 2007-2008 was brought on by much more than unethical traders. It consisted of multiple variables: the deterioration in financial institutions’ balance sheets, asset price decline, increase in interest rates, and an increase in market ambiguity. This in turn led to the worsening of the adverse selection and moral hazard situation in the market, which led to a decline in economic activity, bringing forth the banking crisis. After the banking crisis, an unanticipatedRead MoreThe Financial Crisis Of 2007 / 2008 Essay808 Words   |  4 PagesThe financial crisis of 2007/2008 had a negative impact on the UK economy, resulting in low growth and high level of unemployment while inflation constantly remained above the 2% target. In those extraordinary circumstances focus of monetary policy had to be on growth rather than reaching inflation target, resulting in gradual reduction of the Bank rate from 5.75% in middle of 2007 to its lowest level of 0.5% in the beginning of 2009 (BoE, 2014). Although, a low interest rate led to significant depreciationRead MoreThe Financial Crisis Of 2007-20081419 Words   |  6 Pagesthe recent credit crunch. The financial crisis of 2007–2008, also known as the Global Financial Crisis and 2008 financial crisis, is considered by some economists such as Nouriel Roubini, professor of economics and international business at New York University, Kenneth Rogoff, professor of economics and public policy at Harvard University, and Nariman Behravesh, chief economist and executive vice president for IHS Global Insight, to have been the worst financial crisis since the Great Depression ofRead MoreThe Financial Crisis of 2007-2008541 Words   |  2 PagesThe financial crisis of 2007-2008 had more sounding effects on financial institutions even greater than the crisis brought about by the stocks downfall in the 1990’s. The reason for this is that the financial institutions were at the centre of the whole crisis. And financial institutions being one of the key pillars in a country’s economy, the crisis was bound to have a big effect in US as a whole. So, in order to understand wha t rely happened, it is wise to go through the paper written by NicholasRead MoreThe Financial Crisis Of 2007 / 20081914 Words   |  8 PagesThe financial crisis of 2007/2008 had a negative impact on the UK economy, resulting in low growth and high level of unemployment while inflation constantly remained above the 2% target. In those extraordinary circumstances focus of monetary policy had to be on growth rather than reaching inflation target, resulting in gradual reduction of the Bank rate from 5.75% in middle of 2007 to its lowest level of 0.5% in the beginning of 2009 (BoE, 2014). Although, a low interest rate led to significant depreciationRead MoreThe Financial Crisis Of 2007-2008 Essay2367 Words   |  10 PagesWhen discussing the financial crisis of 2007-2008, it is incredibly important to discuss the relevance of the government bailout and organized sale of Bear Stearns. There is a large amount of discussion behind whether or not Bear Stearns, a large investment based fin ancial institution, should have been bailed out by the US government. The decision to bail out and have a government-orchestrated sale of Bear Stearns was an incredibly complicated situation to discuss and there are parts of which cannotRead MoreThe Global Financial Crisis Of 2007-20081123 Words   |  5 PagesThe Global Financial Crisis of 2007-2008 is the worst financial crisis since the 1930’s The Great Depression (Reuters, 2009). Even if bailouts of banks by national governments prevented the collapse of major financial institutions, worldwide stock markets continued to drop. Evictions and foreclosures overwhelmed the housing market while severed unemployment embraced the labor market (Baily and Elliot, 2009). This global financial crisis was responsible for the decline in the consumers’ wealth, andRead MoreEffects Of The Financial Crisis Of 2007-20081763 Words   |  8 PagesFinancial crisis of 2007-2008 is widely considered to be the worst financial crisis sinc e the Great Depression of 1930s. The origin of this big storm dated back to the high home prices of the United States. After America’s entire investment banking system was attacked, many industries such as auto industry also went bankrupt. Unfortunately, it spread quickly to the whole world, causing huge damages to the global economy. Therefore, my study will focus on the effects of the financial crisis of 2007-2008

Wednesday, May 6, 2020

Essay on Abina Mansha, A Slave - 895 Words

Throughout history, it is not uncommon for stories to become silenced; especially, when such a story is being told by the voice of a slaves. Slaves were not granted the same equal rights as the free men. They also were not seen as whole individuals -- worth less than the average citizen, to be sold and traded as property. Abina Mansha was a female slave whom once lived in Asante but came to live in the British Gold Coast Colony during 1876, after being sold to Guamin Eddoo by her husband, Yawawhah. As Abina claims in her testimony, her purchase was no accident. Slavery had been abolished throughout the British Empire, a law extended into the Gold Coast in 1874. Yet ironically, the demand for laborers on the growing palm oil plantations†¦show more content†¦Ã¢â‚¬Å". . . Forts built by the Portuguese and Dutch on the Gold Coast (modern Ghana) were captured by the British in 1667† (â€Å"Africa and the Atlantic Slave Trade†, NA), and later, â€Å". . . New technol ogies and medicines . . . allowed the Europeans to pursue military and political power further into the interior† (Getz and Clark, 2011, p. 103) The British fought to control the area specifically for the gold, and palm oil – an ingredient used for the production of soap, and as machine lubricant. â€Å"Second, the industrial Revolution enabled Britain in particular to enlarge its military and commercial power to the point that it was able to eventually drive the other European powers out of the region, with the Danish (1850) and Dutch (1871-1872) being the last to leave† (Getz and Clark, 2011, p. 103). After Britain gained control of the region, new rules were placed into effect. Most Africans adapted to the sudden changes: becoming English-speaking Africans, accepting jobs from the British, trading with the British and even marrying British citizens. â€Å"It was this these men who tried to create European-style but independent states such as the Accra Confed eration and who wrote a constitution for the Fante Confederation of 1873† (Getz and Clark, 2011, p. 106). Yet, despite these positive effects, negative effects also existed. In the 1670s, with sugar becoming high demand, the need for slaves increased. â€Å". . . Europeans

Tuesday, May 5, 2020

Comparing Medieval and Rennaisance Paintings Essay Example For Students

Comparing Medieval and Rennaisance Paintings Essay In the following essay I shall compare and contrast paintings from the medieval and renaissance period. Medieval paintings were very realistic and precise. The king in the painting is in the middle, and anything painted in the middle is the center of attraction or the important object in the painting. To prove this theory, I looked at the painting and the first thing that caught my eye is the king. The human body is not too detailed but the actions they are doing or intend to do are very clear. The painter created visual space in this painting in a very witty ay; he painted pillars and ceiling ornaments, which is an indication of height and space. I think it is a very successful method because the person who is looking at the painting has space to look around. The painting in my opinion is more realistic than naturalistic because I think he attended the ceremony and then painted what he remembered. In the following paragraph I shall briefly describe the renaissance painting. This painting is based on the story of a poor man who couldnt pay his taxes. Then Jesus told him to go to a certain place here he should cut open a fish and there he shall find a silver coin to pay his taxes with. He did so and paid his taxes. On the left of the painting you can see the barrel of fish, one of the fish is where he got the silver coin. In the middle Jesus is explaining the situation to the people. Masaccio always painted the most important things in the middle. On the right the man is paying his taxes. There are many things that the two paintings had in common some of the reasons are: It is similar in the layout, A good example would be the objects in the middle. Jesus and the king are in the middle and obviously they are the main characters in the painting. There is also lots of visual space on both paintings e. g. : mountains, pillars. This is the case because the renaissance is the rebirth of the classics and the classics were basically the medieval paintings. So the renaissance paintings were in a way based on the medieval ones. Renaissance paintings also differed from medieval ones. The Renaissance painting is laid out in a way which tells a story, however the medieval one is showing an event which is virtually a fact or a point. The Renaissance painting shows more detail than the medieval one and better use of color. The people in the Renaissance painting are more detailed and are more colorful. The purpose of both paintings differed greatly. The Renaissance painting focuses on telling a tale, everyday basic life nature, religion and wonders but the medieval painting consists of royalty, high class and leadership because of its tone and theme. In conclusion I would like to state that both paintings obviously had different philosophies and that Renaissance paintings were definitely based on medieval ones.

Monday, April 6, 2020

Styrene monomer Benzoyl peroxide Essay Example

Styrene monomer  Benzoyl peroxide Paper Abstract The aim for this experiment is to find out how inhibitors or retarders can affect the process of polymerisation. As an initiator, a system of Benzoyl Peroxide was applied. Benzoquinone (inhibitor) and Nitrobenzene (retarder) were used in this experiment. This experiment contained three different samples all consisting Styrene and Benzoyl Peroxide. An inhibitor was added to the samples to conduct the experiment: Sample A was left as is; Sample B had Benzoquinone added; and Sample C had Nitrobenzene added. Each sample was then observed to measure its rate of polymerisation. It was found that the initial rate of polymerisation was almost steady for all samples within the first 20 minutes. From then, the rate of polymerisation changed in each sample. In Sample A, where no inhibitor or a retarder was used, the rate of polymerisation was dramatically increased. Whereas in Sample B and C which contained an inhibitor and retarder, had a slower rate of polymerisation. However, it was found that Sample C containing Nitrobenzene (retarder) had a faster rate of polymerisation than Sample B which contained Benzoquinone. The experiment concluded that the greater the content of the polymer and the higher the viscosity of the reaction system, the sooner the rise in the rate of polymerisation system. The experimental evidence of this study makes it possible to control the synthesis of Polystyrene from monomer to polymer. Objectives The following questions will be answered once this experiment has been carried out:   To find out the roles played by Benzoyl Peroxide, Benzoquinone and Nitrobenzene.   To find out how long the induction period lasts. We will write a custom essay sample on Styrene monomer  Benzoyl peroxide specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Styrene monomer  Benzoyl peroxide specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Styrene monomer  Benzoyl peroxide specifically for you FOR ONLY $16.38 $13.9/page Hire Writer To find out how Benzoquinone and Nitrobenzene slow down the rate of polymerisation of styrene.   To work out the rate constant for decomposition of Benzoyl Peroxide. Introduction The synthesis of Polystyrene by free radical addition polymerisation involves three major kinetic steps: Initiation; Propagation; and Termination. Benzoyl Peroxide is a common initiator to start the reaction. General Equation 1- Initiation: On heating, Benzoyl Peroxide decomposes to give two free radicals. The initiation step usually includes the addition of the first monomer molecule: In this reaction the free radical attacks the monomer and adds to it. The double bond is broke open and free radical reappears at the far end. 2- Propagation: After initiation reactions, many monomer molecules are added rapidly, perhaps in a fraction of a second. On the addition of each monomer, the free radical moves to the end of the chain. 3- Termination: In the termination reaction, two free radicals react with each other. Termination is either by combination where R represents a long chain of portions or by disproportionation where hydrogen is transferred from one chain to the other. This latter result produces in a two final chains. While the normal mode of addition is a head-to-tail reaction, this termination step is normally head-to-head. Methodology Materials used: The following materials were used in order to conduct the experiment:   Styrene monomer   Benzoyl Peroxide (initiator) Benzoquinone (inhibitor)   Nitrobenzene (retarder) Equipments used: The following equipments were used in order to conduct the experiment:   Abbe refractometer   Sodium light   Separating funnel   Vacuum oven Procedure to be followed: Note: Before starting the experiment, following measurements were taken to ensure safety:   Safety glasses were worn at all times while conducting the experiment When handling the hot screw-cap jars, gloves were always worn Stage 1: Firstly, a 110 cm3 of the styrene solution is shaken with an equal amount of dilute sodium hydroxide solution in a separating funnel. The mixture is then shaken twice with an equal volume of deionised water. Once this procedure has been carried out, the aqueous solution is disposed off. By carrying out this procedure, the inhibitor is removed from the styrene.

Monday, March 9, 2020

Arthur Miller’s “The Crucible” Essay Essay Example

Arthur Miller’s â€Å"The Crucible† Essay Essay Example Arthur Miller’s â€Å"The Crucible† Essay Essay Arthur Miller’s â€Å"The Crucible† Essay Essay Unfair Justice Systems ; A comparing of the West Memphis Three and The CrucibleImagine posing at place one dark and holding constabulary officers show up at your hosiery and apprehension you for a offense you had no thought was committed. Three teenage male childs in West Memphis. Arkansas and over 39 characters in The Crucible went through precisely that. The West Memphis three is the test of three teenage male childs who were charged with killing two eight-year-old oys in the forests and taking a hatred group. The test portrayed in The Crucible are based on the existent life Salem Witch Trials. the accused in the drama were charged with witchery. Evidence in both instances was deficient and largely oculus witnessed. Both offenses committed were abstract and referred to as the Satans work. All accused in both tests were doomed from the beginning. In The Crucible to salvage oneself if accused 1 must squeal to something they didnt do and so name people that did make it. fundamentally if they wanted to populate thy had to lie and impeach other guiltless people. The West Memphis three had to travel through the tribunal system with corrupt people lying and no manner to turn out themselves guiltless. Arthur Miller portrayed the grounds in The Crucible as merely oculus witness histories and junior-grade concluding. such as the ability to forge a swoon. The characters that danced in the forests were considered dependable and what they said was all that was needed to convict the people of witchery. In the existent life histories of the West Memphis three. the grounds used against the adolescents were black Metallica shirts. the confession that didnt fit the incident. and equals that told the constabulary that they overheard one of the adolescents say they were traveling to kill two male childs. The equals narrative subsequently changed when under curse but the justice reffered back to the first narrative to assist convict the accused. In both instances the accusers could non counter argue the grounds because it was their word against the informants. Before the West Memphis trials the constabulary had a confession from all three teenage male childs. T was used against them in tribunal. The ground for the confession. some argue. is a status called Satanic Panic. Person who has Satanic Panic creates false memories that place themselves at the scene of the offense they were accused of. The offense usually is devil related. for illustration colza. thaumaturgy. and jujus are all known as the work of the Satan. Peoples who are diagnosed with Satanic Panic are usually besides diagnosed with Multiple Personality Disorder. The enchantresss in The Crucible were charged with harming others with thaumaturgy. They had to squeal themselves to maintain themselves from being hanged. This is an illustration of how Demonic Panic is described. When Mary Warren says. Its non a fast one! I-I used to conk because I-I thought I saw liquors. ( miller 47 ) she is depicting Hysteria. or Satanic Panic ; she created the liquors because the other misss saw t he. In The Crucible Hale. an expert in the country of witchery. played a big function in the courtroom. In the test of the adolescents there was a physician who was an expert in the country of stanic terror. Bing experts in such countries are difficult to turn out. the physician of demonic terror did non hold a grade or any cogent evidence that he studied such a topic. He simply stated that he has worked with patients claiming to make things because the Satan told them to. In the drama Hale merely forces people to squeal to salvage their lives. which is non the work of a physician but more of a inducer. Both work forces subsequently on reviewed the instance. the accused. and the grounds and wanted to salvage the guiltless people. Hale describes his alteration of sentiment by stating. Let you non misidentify your responsibility as I mistook my ain. ( miller 58 ) THey besides were unsuccessful. Both offenses are abstract. significance that there is no grounds attainable for a merely strong belief. but both offenses have serious effects. In The Crucible the people who denied being a enchantress were sentenced to be hanged. Two of the adolescents were sentenced to be hanged. Two of the adolescents were sentenced to life in prison and the last was sentenced to decease by injection. Is that just? The adolescents still had a full life in forepart of them but because they were used as whipping boies. it was cut short. Can you name a justness system that convicts people for such offenses merely? The 1994 instance of the West Memphis three and the 1953 play The Crucible have similarities. Abstract strong beliefs. false accusals. and unfair executings are all portion of both tests. Neither history is something to be proud of. nor should such times be repeated. When you look at such similar occures. which are separated by four decennaries. you begin to inquire if worlds truly learn from their errors. Jessie Misskelley. Damien Echols. and Jason Baldwin. the West Memphis three. are sitting in gaol ; they have been at that place for 5220 yearss and expecting their decease. Spreading cognition of this horrid instance and raising support could assist acquire them and appeal and salvage three guiltless people.

Friday, February 21, 2020

How do you evaluate a stock Essay Example | Topics and Well Written Essays - 500 words

How do you evaluate a stock - Essay Example The P/E ratios are compared only in organizations within the same market or industry. The price to sales ratio (PSR) should be near one. It is computed through dividing market capitalization by revenue of the most recent trading period. It is most suitable for analyzing stocks in the same sector. The Return on Equity (ROE) illustrates the returns for shareholder’s equity. It should appropriately be more than 10%. The ratio illustrated the effectiveness of the company in generating profit per equity unit. The earnings growth should be a minimum of 10% higher than the previous year. This trend should be illustrated in several years. The higher the growth, the more investments returns. The debt to asset ratio illustrates that debts should be equal to or less than 50% of the assets. This ensures appropriate levels of leverage across several companies. The greater the ratio, the leverage degree is higher hence results to financial risks. The returns on assets for Wal-Mart and Costco in the trading period ended 2014 are; 7.86% and 6.50% respectively. The performance of Wal-Mart is thus higher due to the greater returns on assets. The returns on equity for Wal-Mart in 2014 are 21%, and that for Costco in the same period is 17.79%, thus Wal-Mart illustrates the most appropriate value. Risk identification is very important in ensuring higher investment returns. The investors and fund managers usually quantify the forecasted losses of the stock investments and then adopt appropriate actions in relation to risk tolerance and also investment approaches. The risk assessment involves the study of several factors in relation to growth, profitability, low valuation, and the fiscal strength. A stock possessing all the illustrated characteristics is the most appropriate for investments (Horcher 3). The risk management techniques ensure successful stock trading. The trading profits can be safeguarded through simple strategies like; trade planning, take-profit points,