lincoln financial essay

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Lincoln financial essay cheap thesis writers service for university

Lincoln financial essay

One of the most progressive pieces of legislation passed in the nineteenth century, this act broadened educational opportunities in Western states and ultimately throughout the nation, thus reinforcing the role of government in promoting upward mobility. This enabled the United States to resist the worst aspects of class warfare that broke out in Europe at the turn of the twentieth century and the destabilizing and repressive collectivist movements—socialism, communism, and fascism—that arose in response to this strife.

A major charge against globalization today was also leveled against the rapidly integrating American economy of the s: that the educated elite and skilled professionals improve their situation while the vast majority see little immediate benefit and often feel marginalized. But even legislation that grants people clear title to land they now occupy can go a long way toward fostering the stability inherent in a large property-owning class.

Emerging-economy governments have too often erred on one side or the other of this balance: Some have pursued social goals through unrealistically high taxation on the wealthy and on business, thereby driving investment away; others have let ruling elites get away essentially untaxed, often by winking at corruption and tax evasion.

Indeed, investment—not only in railroads but also in factories of all sorts—boomed during this period. Without a robust national infrastructure and cohesive national economic institutions, Lincoln believed, the country would suffer from worrisome regional divisions—divisions that would last well beyond the Civil War and would divide Northern states as well. Before the war, states were discrete and powerful political and economic units. Regional jealousies—not just between the North and the South but also between the urban East and the rural West—were strong.

States in one part of the country frequently attempted to block federal financing of a canal or a harbor in another part on the grounds that it did not benefit them. Lincoln fought such parochialism. In a speech made long before he became president, he cited the benefits of the recently completed Illinois and Michigan Canal. It ran entirely within Illinois. But because of it, sugar, for example, could be carried from New Orleans to Buffalo, New York, more cheaply than along the old coastal route.

They fostered interstate commerce, allowing Western farmers to send their products to burgeoning Eastern markets, and Eastern factories to send their goods to the booming West. They promoted geographic mobility, letting more Americans move to, and prosper on, the frontier. The most notable project championed by the Lincoln administration was the first transcontinental railroad. The Republican Party committed itself to this project in its platform; Congress authorized it in the Pacific Railway Act of That legislation gave developers generous rights of way, large amounts of additional land on each side of the track, and hefty subsidies.

This and other legislation helped to nearly double the miles of railroad track in the nation in the ten years between and , a period dominated by the traumatic events of the Civil War. In , the Union Pacific and Central Pacific lines were joined, connecting the continent. Many of these contemporary divisions are sharpened by intense ethnic rivalries. Still, the gradual transformation of the United States from a collection of states into a nation, in part through the creation of a national transportation infrastructure, can serve as an inspiration to modern countries.

The railroads successfully resisted—in court and in Congress—curbs on their growing economic power. The resulting unregulated competition led to overbuilding, stock market crashes, corruption, and ultimately an oligopolistic industry.

For the leaders of emerging economies, the American experience with railroads is a good lesson in the dangers of providing government support for an industry without also putting in place sufficient or effective regulation. His administration also established national financial institutions to reduce economic instability and help Americans take advantage of a nationwide marketplace. But unlike in the railroad industry, the federal government imposed regulations on an undisciplined banking industry that had frequently contributed to, and had often caused, disruptive swings in the economy.

Most Americans were deeply distrustful of concentrating a lot of power in the federal government and giving it a significant role in managing the economy. A hodgepodge of state-chartered banks, varying in size and quality, issued notes backed by their own assets and operated with little oversight.

Frequent runs on banks and periods of erratic expansion and contraction of bank credit triggered violent booms and busts. Often banknotes lost much or all of their value if the bank collapsed, or excessive credit creation led to rampant inflation.

Particularly for Americans who lived in the West, South, and other rural areas, Eastern banks were threatening and alien institutions. Many banks also were closely connected to local politicians and engaged in what today is called crony capitalism. Lincoln was particularly sensitive to this problem.

Such an institution would maintain a stable currency and an adequate money supply. But populist resistance to the concentration of so much financial power in one institution torpedoed the idea. So the administration pursued the same end by a different means, successfully pushing for legislation that created a decentralized but federally regulated national banking system.

Individual banks, located in various parts of the country, were chartered as national banks and authorized by the federal government to issue banknotes. To obtain this privilege, they first had to buy federal government bonds from the Treasury. These bonds secured the notes the banks were empowered to issue.

This move pumped needed money into the overall economy—not just in the industrial East. The national banks were subject to federal inspection by the newly established office of the Comptroller of the Currency, resulting in institutions that were generally better managed than the state-chartered banks. In another bold move, Congress passed legislation authorizing the Treasury to issue its own notes.

Creation of the U. Federal Reserve was, of course, not to come until But the dramatic currency and banking reforms of the s—the establishment of a single, uniform currency and a better-regulated national banking system—went a long way toward creating an integrated national economy, making it much easier for American businesses and financiers to operate across the nation.

They charge that volatile inflows and outflows of money disrupt emerging economies, causing dramatic booms, which benefit the rich, and mighty busts, which hurt the poor. They vilify the financial institutions, international as well as domestic. A poorly regulated and fragmented banking system leaves the entire economy vulnerable to crisis.

If banks, or the overall banking system, are perceived to be run for the benefit of insiders and thus inimical to the interests of large numbers of citizens, they become targets of domestic resentment. And strong national institutions are needed to resist the centrifugal tendency of states and provinces to establish their own financial regulations or reinterpret national regulations in response to local political pressures.

While Lincoln strove to promote interstate commerce by removing economic barriers between regions, he was a long-standing opponent of unrestricted free trade with other nations—a philosophy that was at the time gaining support in Europe and embraced in much of the South. And the South needed to export its cotton, so it did not want to give Europeans an excuse to erect high tariff walls of their own.

Had there been a World Bank in the s to promote large infrastructure projects, or an International Monetary Fund to insist that the United States create a strong central bank, the advice would have been bitterly resisted by many Americans.

Such developments had to emerge from domestic political decisions that grew out of many years of debate among competing domestic constituencies and political philosophies. For example, the consensus formed by the IMF and the World Bank in the s favoring the rapid introduction of market-opening reforms in emerging economies has recently encountered strong opposition. Many in developing countries feel that opening up their economies to foreign capital and competition too quickly has rendered their countries vulnerable to substantial economic and social disruptions before they had time to develop the domestic institutions and the social and geographical cohesion needed to cope with those dislocations.

Critics of the rapid opening of economies point to the success of emerging economies like South Korea and Taiwan, which for years maintained high levels of protection and government support for domestic industries—policies that closely resemble those of the Lincoln administration. If he were here today, Lincoln would undoubtedly caution international policy makers and institutions about imposing doctrinaire policies on emerging economies—and possibly even encourage those nations to resist such attempts.

At the same time, he would argue forcefully that these countries themselves should establish robust domestic economic institutions to cope with changing circumstances and not give in to those who resist domestically driven promarket reforms. For much of the nineteenth century, powerful Southerners in Congress had blocked economic legislation of the kind Lincoln and his Whig and Republican colleagues promoted. The resistance partly resulted from Southern fears about expanding free labor in Western states.

Democrats of the time generally favored a small economic role for Washington, arguing that the Constitution granted the government only limited power to legislate in such areas as infrastructure improvements and banking. The Whigs and later the Republicans argued that the Constitution allowed for more extensive economic legislation and a greater economic role for government.

Had there been an IMF in the s to insist that the United States create a strong central bank, its advice would have been bitterly resisted by many Americans. Then, Southern legislators left the Congress as 11 Southern states seceded from the Union. Just after Lincoln took office, fear of war produced another run on the banks, and the Treasury could not pay its bills. Yet despite the turmoil, the administration and Congress instituted the series of dramatic reforms that greatly expanded economic opportunity for millions of Americans and strengthened considerably the economic cohesion and financial institutions of the country.

The crisis energized the reformers. The need to strengthen the fabric of the American society and economy in light of disruptive forces created the sense of urgency required to enact and implement these reforms very quickly. His preoccupation with the war meant that he had to turn much of the day-to-day responsibility for economic governance over to his treasury secretary and to fellow Republicans in Congress. He did so recognizing that his mandates and philosophies were virtually the same as theirs.

He undoubtedly would reject the notion, proffered by some leaders in the Arab world, for example, that their poor economic performance and lack of market and education reform can be blamed on the prolonged period of tensions with Israel. Quite the contrary: The current period of political turmoil in Iraq and the Middle East in general could present an opportunity remarkably similar to the one Lincoln seized.

The sense of urgency should be at least as acute in the twenty-first century Middle East as it was in nineteenth-century America. Most of its economies have fallen behind those of many other emerging nations. Internal divisions in these countries are only likely to grow if these nations do not prosper and if greater numbers of their people do not perceive a larger stake in, and the opportunity to benefit from, that prosperity.

Abraham Lincoln inherited a country riddled with internal conflict—not only between North and South but also between cities and rural areas, Eastern states and frontier states, workers and industrialists, and advocates and opponents of a greater role for government in the economy.

His aim in trying to create a unified national economy was to reduce disparities and convince Americans that their common good depended on the cooperation of social groups and regions that had perceived their interests to be in conflict. They are like the United States in their need to build a robust and cohesive national economy with a strong federal role and increased opportunity for all economic strata.

But they are like the states in their need to integrate into a larger economy—in this case a global one—and to reap the fruits of being part of it. Their advice, along with that of industrialized nations, has an important influence on the development agenda for emerging economies. They each govern a big and diverse country, with a rapidly changing economy. They confront powerful regional disparities and economic divisions. Their banking systems are relatively weak, and their economic institutions are often untested and evolving.

Powerful groups demand more opportunity and less government interference in their quest to benefit from the forces of change, while other groups, no less powerful, demand more government support and protection from those same forces. The threats of class warfare and regional disaffection are never far away.

He went out of his way to ensure that these employees were taken care and emphasized a family atmosphere. He was a hands-on leader who stood at the bedside of sick employees, organized company parties, and found work for them instead of making layoffs. In return his employees would go above and beyond for Carpenter when the situation called for it. Company morale was at a high.

Despite high morale and well-liked leadership, National Industrial Products began to suffer. Several competitors were overtaking the company and National was had to do something quickly. Business was beginning to fall and it got to the point that National was acquired by another larger company called Simpson Industries. If we don't grow, we aren't really living.

What is its business model? Expect that it will make your company dominant in its field. Expect that there will be unlimited progress because of the plan. Expect that your company will write a new chapter in industry. Problem Statement How far should commerce bank take differentiating the service experience in order to stay ahead of it competitors while still maintaining their strategy of competing on service, not price?

The company has put a large amount of its investment into its employees and providing a unique experience, or retailtainment, for its customers. The service profit chain can be directly applied to this case , because of Commerce Banks philosophy of placing value in selling the experience and not just providing typical banking services.

The service profit chain is a model that suggests a relationship that links profitability, customer loyalty, and service value to employee satisfaction, capability, and productivity. Commerce Bank has strived to generate loyal customers that continue to return for the experience that Commerce offers them. The amount of retailtainment that is offered on Fridays plays a large role in why their customers keep coming back for more.

First risk of all is there are no risk appetite statement, because Dawes and Patricia Cromwell just periodic review on loan portfolio and had no direct involvement in it. Final decision can only make by chief credit officer with unlimited right. And we have market risk as second risk, it is a risk when Wellfleet facing changes in exchange rates, interest rates or asset prices.

As Stefanie Anderson, would you conclude that the company is a good credit risk? If not, provide recommendations to the client on how to solve their issues. Facts Dawson Stores, Inc. After his death, tge stock had been widely spread since he divided his share among his five children and 14 grandchildren. John Dawson Jr. His brother, Bill, is the Vice-president and Treasurer, and their two sisters and two cousins were the directors and officers.

Dawson Stores, Inc.



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The American Civil War was there to preserve the Union. Also to end an era of slavery and also promote economic and financial modernization. Abraham Lincoln opposed the expansion of slavery in his campaign debates and his many speeches. When Abraham Lincoln became a presidential candidate he became an enemy of the southern states. No southern states voted for him during election. This led to his election in After the declarations of secession by all of the southern slave states, the war started in Abraham Lincoln concentrated on both the military and political dimensions.

This was done to try and reunify the nation. Lincoln was very strong about war powers. This would include the arrest and detention without trial of thousands of secessionists. In Abraham Lincoln passed his Emancipation of Proclamation act. This would speak on the passage of the thirteenth Amendment of the United States Constitution that would abolish slavery.

During the Civil War the union army took control of the bordering slave states. They tried to capture the Confederate capital at Richmond. Each time they tried and a general did not complete the mission Lincoln Abraham Lincoln Abraham Lincoln was born on February 12th, The 16th President of the United States; he is also known as honest Abe, standing at 6 foot 4 inches making him the tallest president in history skinny body and a huge mustache.

The President was only 56 years old when, the U. The U. Leaving his Son Robert, tell this day Lincoln has no living decedents. The church had high morals that were against alcohol, dancing, and slavery. Thomas was successful and rich then in he lost it including his land due to faulty property titles according to the courts cases.

Abe Lincoln Abraham Lincoln sprang to the presidency from extremely humble and tragic roots. His father, Thomas, and his mother, Nancy, were both illiterate. When Abraham was young, he had a sister who died as an infant and a brother who died as a boy. Sarah was extremely kind to Lincoln and encouraged his developing love of reading, giving him three books, a treasure of immeasurable value to a boy who loved to read in a place where books were scarce nps.

Because of the financial state of the family, Lincoln was forced to self-educate, and in , Lincoln had educated himself so well that he was eligible to become a lawyer. Stuart White, pp. Lincoln was such a gifted attorney, that only ten years after entering the field, he was elected into the United States Congress. However, in , he left congress in the hope that he would receive an appointment from the Taylor administration because of his tireless promotion of the election.

He was, however, denied any position, and returned to his law firm where he worked with great fervor Lamb, Swain, pp. Lincoln worked tirelessly as a lawyer until he ran for the presidency in After losing the election to his Lincoln successfully led the United States through its greatest constitutional, military, and moral crisis — the American Civil War — preserving the Union while ending slavery and promoting economic and financial modernization.

Reared in a poor family on the western frontier, Lincoln was mostly self-educated, and became a country lawyer, a Whig Party leader, Illinois state legislator during the s, and a one-term member of the United States House of Representatives during the s. After a series of debates in that gave national visibility to his opposition to the expansion of slavery, Lincoln lost a Senate race to his arch-rival, Stephen A. Lincoln, a moderate from a swing state, secured the Republican Party presidential nomination in With almost no support in the South, Lincoln swept the North and was elected president in His election was the signal for seven southern slave states to declare their secession from the Union and form the Confederacy.

The departure of the Southerners gave Lincoln's party firm control of Congress, but no formula for compromise or reconciliation was found. Lincoln explained in his second inaugural address: "Both parties deprecated war, but one of them would make war rather than let the Nation survive, and the other would accept war rather than let it perish, and the war came. One of the most important historical figures to ever take presidency in the United States was Abraham Lincoln.

He has greatly influenced the world through his accomplishments and perspective on humanity that will forever have an impact on the world today. Lincoln had many achievements throughout his years of office, but is remembered for his essential role as the leader in preserving the Union during the Civil War and beginning the process of the Emancipation Proclamation that later ended slavery in the United States Miller.

Not only was Lincoln remembered for his great character and leadership, but also for his great determination and perseverance. To begin with, Lincoln was born on February 12, in Hodgenville, Kentucky. He was born into a backcountry family who moved to Indiana when he was seven.

His parents were Thomas, a carpenter by trade and a farmer out of necessity, and Nancy Hanks. He had a sister, Sarah, who was two years older and a brother who died in infancy Miller. All throughout his childhood, Lincoln had to struggle to make a living and learn as well.

He lived as a farmer, President Abraham Lincoln and President Ronald Reagan are two men who I believe were two of the most influential people in the world. While these two men shared many similarities in their life, presidency, and influence, they were also different in many ways.

They both achieved what many believed to be the impossible. Maybe by looking at the past and these two great men, we can learn about perseverance in hard times. He spent most of his early childhood years on a farm his parents owned. His father was one of the richest men in the area. In , his father lost the family farm in a court decision and the family moved to Indiana. He spent all of his early years in a region of the United States in non-slave states. When he left home he went to New Orleans, Louisiana and saw slavery for himself first hand.

He joined the militia in and served three months as a Captain during the Black Hawk War. Unlike President Lincoln, President Reagan spent his early childhood in many cities away from the farms. His father was a salesman and moved the family numerous times. President Reagan attended Eureka College where he was involved Abraham Lincoln believed secession was unconstitutional, and so legally, the Southern states were still in the union.

He believed the executive branch, particularly the president, should establish the process of reconstruction and the terms should be generous. Members of congress in presented their own much less generous plan, but Lincoln did not sign the bill, angering the radical or extreme Republican in congress.

Furthermore, to earn the right to vote or to serve in a constitutional convention, southerners would have to take a second oath, called the iron-clad oath that testified that they had never voluntarily aided or abetted the rebellion. Lincoln vetoed the bill, but the battle about reconstruction continued. If Lincoln lives, he certainly would not have One of the founders of what makes up our country today was Abraham Lincoln.

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