Tokio Marine North America Services’ Post

We are excited to introduce the first edition of our intern spotlight series, where we will highlight a few of our wonderful interns. Today we spotlight Adam Messman from University of Nebraska-Lincoln who is a valuable member of our actuarial department this summer.     We asked Adam a few questions about his journey with us: Q: What do you like the most about working at F&G?   A: The people. From working with my manager to other interns to full-time employees, I have loved interacting with everyone that I have met, even if they were remote.      Q: What is your favorite project you have been involved with so far this summer?  A: My favorite project is working to test and review an actuarial assumption. Of course, this project had a steep learning curve, but I enjoy taking on challenges and seeing how the work I am doing will impact various aspects of the company in the future.

As a parent, there are moments that fill your heart with pride and a touch of nostalgia. Today, I experienced one of those moments when I saw my son Jake Childers pop up on my LinkedIn feed, celebrating their internship Blue Trust. Watching them grow, learn, and now step into the professional world is incredibly rewarding. It feels like just yesterday they were taking their first steps, and now they’re making strides in their career. This journey has been filled with countless lessons, both for them and for me. Here are a few reflections: 1.    Embrace Change: Seeing your child transition from the classroom to the workplace is a reminder that change is constant and growth is inevitable. Embrace it with open arms. 2.    Celebrate Small Wins: Every accomplishment, no matter how small, is a step forward. Celebrate these moments to build confidence and momentum. 3.    Mentorship Matters: Encourage them to seek mentors and also be one yourself. Sharing experiences and insights can make a significant difference in their journey. 4.    Stay Curious: The world is evolving rapidly. Encourage them to stay curious and keep learning, adapting to new challenges and opportunities. 5.    Support and Trust: As they embark on their career path, your support and trust in their abilities mean the world to them. Be their biggest cheerleader. To all the parents out there witnessing similar milestones, let’s cherish these moments and continue to guide our children as they make their mark in the world. And to Jake Childers, I couldn’t be prouder of you. Here’s to many more achievements and learning experiences ahead! 🌟 #ProudParent #NextGeneration #InternshipJourney #ProfessionalGrowth #Milestones

This week’s intern spotlights begins with Dhritik Manchaiah. Dhritik works as a wealth management intern for Merrill Lynch in their Cincinnati Office. He spoke with us about his role on the Wealth Management team, along with the culture and support interns at Merrill Lynch receive. Dhritik also spoke with us about how students that are looking to do wealth management can prepare themselves for future internships and beyond. #finance #economics #markets #banking #wealthmanagement #merrill

It has been one month since I started my internship with USClaims and it has been rewarding to say the least and let me tell you why. Here are a few of the things that I have learned how to do since since my first day: 1. Pricing: I have been trained in how to review and approve deals that individuals all over the country rely on for their litigation funding needs. 2. Collections: Due to the exemplary training from and knowledge of my supervisor Roxanna Morran, I have been given the responsibility of posting the collections every day and have begun training on weekly write-off reports. 3. Risk Management: I have also created multiple finance, servicing, and risk management reports with the help of Market President Daniel Tallet, CEO Steve Bashmakov, and Servicing Manager Daniel Robbins. So far, my key takeaways from my time here have been as follows: 1. Surrounding yourself with hard-working driven people forces you to elevate your level of work and work ethic. 2. No matter how much you think you know, there’s always someone who knows more than you. In essence, there is always room to grow. Thank you to everyone who has helped me this far and I’m excited to see what the next month and a half has to offer.

FRANCOISE BETTENCOURT MEYERS L'OREAL HEIRESS c/o: ODEON RESTAURANT & CAFE. TRIBECA NY WHAT'S ON THE TABLE UPSTAIRS.? I HOPE A NY HAMPTON BEACH HOUSE.! LATE JOSE' CHEF & LOUIE BILL & MELINDA GATES FOUNDATION GATESFOUNDATION.org TENRI CULTURAL INSTITUTE tenri.org https://lnkd.in/e55sRd8b https://lnkd.in/eB98Jnv9 WonderMind.com: CRYPTO-FINANCE & REYGITONIUM-G MR. MS. TEEFEY & SELENA GOMEZ-RARE-SUPERSTAR. TCI GALLERY SPRING 2024 THEMES. CRYPTOCURRENCY & REYGITONIUM-G TO WHOM IT MAY CONCERN: I ABSOLUTELY SEE NOTHING WRONG WITH CRYPTOCURRENCY: REYGITONIUM-G I CAN UNDERSTAND WHY THE INFANT DEMOCRATIC-CAPITALISTIC MINDS OF TODAY BLAME USA GOVERNMENT. THEN IS ANY GOVERNMENT TO BE BLAMED FOR HOMELESS PROBLEMS PLAGUING THE WORLD.? NO. GOD KNOWS HEADACHES USA GOVERNMENT HAVE WITH THE FOREIGN AFFAIRS. THE NEW WORLD PRACTICALLY SHOCK TO WITNESS. PEOPLE ONLY WORKING TOGETHER FOR A COMMON GOAL. "IN THE PURSUIT OF HAPPINESS." DOESN'T THAT ALSO INCLUDE THE HOMELESS. THE HOMELESS ARE OUT THERE. ARE YOU.? HOMELESS.. OPPORTUNITY MISUNDERSTOOD. The modern economic system is a market economy, which is a capitalist economy where people, not the government--NOT THE GOVERNMENT--own most businesses. In a capitalist economy, prices allocate capital and labor between competing uses, and capital assets can be privately owned and controlled. https://lnkd.in/eB98Jnv9 EXAMPLE, IF YOU NEED TO RAISE MONEY FOR ANY REASON OR MORE SO LETS SAY THE "HOMELESS" PROBLEM WHICH IS BELIEVED TO BE TIME & MONEY CONSUMING BUT IN ONE DIRECTION TOWARD THE HOMELESS. HOWEVER CRYPTOCURRENCY CAN POSSIBLE ALLOWS AN EXPENDITURE OF CURRENCY TO BENEFIT ALL WHO USES THE CRYPTO & REGARDLESS OF HOW IT'S CONSUMED. THEREFORE IF A CRYPTO HOMELESS CURRENCY REYGITONIUM-G EXISTED IT'S MORE HIGHLY LIKELY THAT THE HOMELESS PROBLEM CAN BE VANQUISHED BECAUSE CURRENCY-FINANCES IT'S ALWAYS AVAILABLE TO BE TAPPED INTO FOR HOMELESS RESOLUTIONS. REYGITONIUM-G: EACH COUNTRY GOVERNMENT INITIAL $1-DOLLAR INVESTMENT PORTFOLIO OF 8-BILLION EARTH CITIZENS. THEREAFTER GLOBALLY ANYBODY CAN INVEST IN THE CRYPTOCURRENCY REYGITONIUM-G. OR CONTINUE HIDING THE HOMELESS WHEN A POLITICAL LEADER VISITS AMERICA. CLOSING COMMENT: THE DAMNEDEST CRAZIEST FUNNIEST EMBARRASSING ABOUT THE HOMELESS CHAOS IS ANY EXCUSE AS TO WHY HOMELESS EXIST. HENCEFORTH CONSIDER USA TRILLIONS IN DEBT & 6,120 HOSPITALS SCATTERED AROUND THE USA & MANY COUNTRIES ASKING FOR FOREIGN AID IN THE TRILLIONS & YOU TALKING EXCUSES. MEANWHILE WE WANT TO SETTLE HUMANITY ON OTHER PLANETS. THANK YOU FOR READING.

Never judge a book by its cover is synonymous with the hiring of seniors. The assumption that anyone over sixty cannot function effectively in the job market is a myth. Developmental milestones do not have absolute truth over the aging process because there are many developmental and social factors that contribute to aging. One’s lifestyle, health condition, or genetics have a lot to do with the aging. Another myth is that people over sixty do not have technology skills. Not all seniors are rolling up and getting ready to die or stay home with their grandchildren. Even if they wanted to, they do not have the luxury to do so because inflation is eroding their retirement funds. Many 50-year-old students are now attending college to upgrade their skills. However, what these newly “improved“ workers bring to the table are not only relevant skills but also years of knowledge and work ethics.

Over this spring term, I completed an internship with Pinnacle Associates where I learned some of the techniques for determining asset allocation. Whereby, it is important to ask the client questions regarding their time horizon, upcoming expenditures, and risk tolerance. Based on their answer we can decide how to better allocate the assets and when we pick equities, we model them after the 11 sectors of the S and P 500. When selecting stocks we utilized two strategies: active management and passive indexing. With active management we have to make an effort to avoid idiosyncratic risk.    In addition to using passive indexing and asset management, we look to further diversify our stock portfolio by examining large cap stocks representing companies with a market capitalization more than $10  billion. Another way to diversify a portfolio, is by looking at value and growth styles of investing. We can also diversity in the holdings we have within the US and outside the US.   The third technique I learned to diversify a portfolio is by buying bonds and there are two risks that come with them. The first is credit risk  and to avoid this try to pick bonds with a BBB (investment grade) rating or higher. The second risk is interest rate risk which means since bonds trade like stocks every day, they are susceptible to interest rate fluctuation. To avoid interest rate risk, simply hold the bond to maturity. When selecting bonds it is important to look at its coupon or interest rate. The relationship between interest rate and bond pricing is inverse.  Within bonds there are three types; corporate, government, and municipal. The way we diversify bonds is by the ladder amount, meaning bonds have different maturity dates.   Lastly, I learned a general overview on how to pick stocks. Using indicators such as price to earnings, credit rating, net leverage, dividends, shareholder yield, free cash field, and revenue. I would like to thank Pinnacle Associates, Ltd. Associates and Timothy Piacentini, CFA for all of their help and guidance over these past several weeks. This experience helped to expand my knowledge of finance and the asset allocation of portfolios and I look forward to taking this knowledge to my summer internship at Ridgetop Research in NYC. 

Here is a thought..... find one or more local high school student, seed their success with meaningful mentorship and internship opportunities through college. Imagine the outcome and what those students will likely do when they are capable professionals? #Step&Repeat

What are some of our interns most excited to learn about this summer? Dive in below ↓