Finance

Independence Day, Meditation, Lemonade (insurtech startup), and Reading

July 4, 2020. What a strange year thus far. I checked my Facebook and Twitter feeds yesterday morning. There were numerous references to Frederick Douglass’ speech, “What to the slave is the 4th of July.” I don’t remember thinking about the issues raised within this speech as a younger man. How is that possible? My …

Time capsules, protest, various ways to pass time, and Fathers’ Day 2020

I remember times in grammar school when we discussed time capsules. I remember thinking the idea of putting aside contemporary “artifacts” was clever, but I never became excited about them. I wish I could remember the years we engaged in the exercise of choosing the items; Maybe I was in the fifth grade (1989). I …

Investment into ourselves as professionals, expertise as a differentiator, and the priorities at Cigna Corporation

I have been making efforts to periodically, throughout the week, choose an occasion to listen to a webcast on a topic different from my day to day business. This week, Penn State’s Smeal College of Business’ Institute for Real Estate Studies hosted a panel discussion on capital markets in the real estate business with some …

The value chain in American prescription drugs

It is 5:43pm on Saturday, May 16, 2020. COVID-19 continues to be the topic du jour. My personal objectives today included eating breakfast, power-washing our deck, helping Holger with elementary reading, and attempting to develop some insights on the structure of the pharmaceutical industry. Introductory and meandering thoughts I have been working in the insurance …

B&O | Nostalgia, strategy, capital markets, and the lack of value in a partially correct thesis

There is an idea that the value of a brand is measured in the extent to which the consumer associates a relationship with the product or service. There are some distinctly Northern European brands that I feel like I have a relationship with, including Royal Copenhagen, Skovby, Georg Jensen, and Bang & Olufsen (B&O). Notably …

Insurance brokers and agencies | Thoughts on market structure…

I started working in the insurance business in 1998. I was a twenty year old student at Penn State University, where I studied economics and business administration, and I attended a career fair seeking a “real life experience”. I spent the prior summertime working as a licensed real estate agent in Bethlehem, PA and felt …

Of course nations are not businesses, but… (ii) | Fed balance sheet changes over time

In thinking about the can of worms I opened about this topic, I started jotting notes on directions I might take next. There are so many possilbities. As a matter of inquiry, I found and perused an old copy of Keynes’ General Theory, looked at old international finance lecture notes from Professor Stanley Zin, and …