49 Comments
 
Most Helpful

Having spoken to several friends in insurance across both the Midwest and Northeast, that is not a terrible thesis. I don't know if we can assume it's only vaccines causing issues - there has been a massive uptick in suicides and drug overdoses as well (because these lockdowns were such amazing ideas) - but something very abnormal is clearly going on when you look at increased rates of all cause mortality among ages 20-45. Miscarriages and fatal cardiovascular events are also abnormally high and the media is trying to blame it on some made up "post-pandemic stress disorder" bullshit that anyone with half a brain can see through.

"If you don't have any enemies in life you have never stood up for anything" - Winston Churchill | "It's a testament to the sheer belligerence of the profession that people would rather argue about the 'risk-adjusted returns' of using inferior tooth cleaning methods." - kellycriterion
 

Good point regarding suicides and overdoses but like you said I’m skeptical that that could account for a 40% increase that OneAmerica CEO mentioned. Any other insights your insurance buddies gave you?

 

Just that the largest outliers in excess deaths are now what you would consider otherwise "young and healthy" people which is what makes it all the more disturbing. To flip things, the average age of death for Covid worldwide has been close to or above the average life expectancy of death in the given region you're measuring. Now I realize this sounds cold but I believe that massively inconveniencing/burdening the lives of everyone, especially children and those near or at the poverty level, to maybe extend the life expectancy of someone who is already near the end of their lives by another year or two is both from a moral and utilitarian perspective wrong. I don't want to kill grandma, but I also don't want to destroy the lives of millions upon millions of people for potentially the next decade or more just to draw out her life another couple years (maybe). Seems a bit selfish to me, but what do I know I'm in my 20s. 

"If you don't have any enemies in life you have never stood up for anything" - Winston Churchill | "It's a testament to the sheer belligerence of the profession that people would rather argue about the 'risk-adjusted returns' of using inferior tooth cleaning methods." - kellycriterion
 
PrivateTechquity 🚀GME🚀

Having spoken to several friends in insurance across both the Midwest and Northeast, that is not a terrible thesis. I don't know if we can assume it's only vaccines causing issues - there has been a massive uptick in suicides and drug overdoses as well (because these lockdowns were such amazing ideas) - but something very abnormal is clearly going on when you look at increased rates of all cause mortality among ages 20-45. Miscarriages and fatal cardiovascular events are also abnormally high and the media is trying to blame it on some made up "post-pandemic stress disorder" bullshit that anyone with half a brain can see through.

There is research out now that suggest Covid is ultimately a vascular disease. I'm not a doctor so I won't pretend to interpret them, but interesting if that turns out to be the case and would explain many of these mysterious heart attacks. Again, I'll ask - why is the vaxx-hesitant crowd so quickly to look for other causes of death? Couldn't you at least consider that this novel coronavirus is more deadly than you want to believe?

Why is COVID causing vascular damage? Israeli study offers answers - The Jerusalem Post (jpost.com)

"I don't know how to explain to you that you should care about other people."
 

I think plenty of anti-vaxx people would be willing to have a renewed discussion about the entire situation if it was identified to actually be a vascular disease vs a pulmonary one. But that would mean people on all sides would have to accept new information and admit all that's happened up until then was based on now disproven at most, or only partially correct at least, information. That'll be the real magician's trick.

The poster formerly known as theAudiophile. Just turned up to 11, like the stereo.
 
Controversial

Alt-Ctr-Left

There is research out now that suggest Covid is ultimately a vascular disease. I'm not a doctor so I won't pretend to interpret them, but interesting if that turns out to be the case and would explain many of these mysterious heart attacks. Again, I'll ask - why is the vaxx-hesitant crowd so quickly to look for other causes of death? Couldn't you at least consider that this novel coronavirus is more deadly than you want to believe?

Why is COVID causing vascular damage? Israeli study offers answers - The Jerusalem Post (jpost.com)

So I literally said I don't assume this is completely attributable to the vaccines but sure, let's hash this out. 

Researchers find a higher than expected risk of myocarditis in young men after full vaccination. - New York Times

Oh look, I can play the study game too. Why are the pro-vax crowd so quick to deny that it may be the vaccine causing these issues? There is no long-term data that shows they are safe, the majority of long-term trials being carried out by the vaccine manufacturers have been tainted since they have decided to allow their control groups to cross over less than a year into the study, and we already have vast amounts of evidence showing the spike proteins created by these vaccines it turns out are actually toxic themselves (while also producing a weaker immune response than natural immunity that decays rapidly). 

And why are we hesitant? Because the vaccines don't fucking work you nincompoop. 

If these vaccines actually did anything to slow the spread and provided an opportunity to "end the pandemic," how exactly does it make sense that one of the most vaccinated countries on the planet is having their worst outbreak of the entire pandemic presently?

Why if these vaccines do not protect against variants (which is the go-to response for why the infections continue unabated) are they being mandated as though they will help?

If these vaccines are safe an effective, why then are the pharmaceutical companies so adamant to having complete immunity from legal recourse? 

If the vaccines are so safe and important to ending the pandemic, why do the drugmakers then refuse to vaccinate the masses of illegal immigrants crossing the southern border? 

Not a single one of you lefties will answer one of these questions sufficiently and that is why I don't fucking trust the government that has been wrong about almost everything for the last 2+ years

Oh, and because these vaccine manufacturers have lied in their marketing, about the safety of their products, have bribed politicians in the past, and are among the largest lobbying groups in US. 

Pharmaceutical industry likely to shatter its lobbying record as it works to shape Democrats’ spending bill - The Washington Post

“They’re the Goliath,” said Sheila Krumholz, executive director of OpenSecrets. She said that aside from the U.S. Chamber of Commerce, of which pharmaceutical firms are members, the industry had spent more than any other by a wide margin so far this year, deploying so many lobbyists — 1,600 — that they outnumber members of Congress 3 to 1.

The industry made $90.6 million of political contributions during the 2020 election cycle, according to OpenSecrets, 61 percent of that to Democratic candidates and groups.

Johnson & Johnson to Pay More Than $2.2 Billion to Resolve Criminal and Civil Investigations - US Department of Justice / justice.gov

  • Allegations Include Off-label Marketing and Kickbacks to Doctors and Pharmacists

Justice Department Announces Largest Health Care Fraud Settlement in Its History - US Department of Justice / justice.gov

  • Pfizer to Pay $2.3 Billion for Fraudulent Marketing

Pfizer Admits Bribery in Eight Countries - CorpWatch

For three years, Pfizer Italy employees provided free cell phones, photocopiers, printers and televisions to doctors, arranged for vacations (such as "weekend in Gallipoli," "weekend with companion" and "weekend in Rome") and even made direct cash payments (under the guise of lecture fees and honoraria) in return for promises by doctors to recommend or prescribe Pfizer's products.

Today, the New York headquarters of the pharmaceutical giant has agreed to pay a total of $60.2 million in penalties to settle the documented charges of bribery. The Securities and Exchange Commission (SEC) says that Pfizer Italy employees went out of their way to "falsely" book the expenses under "misleading" labels like "Professional Training," and "Advertising in Scientific Journals." 

"If you don't have any enemies in life you have never stood up for anything" - Winston Churchill | "It's a testament to the sheer belligerence of the profession that people would rather argue about the 'risk-adjusted returns' of using inferior tooth cleaning methods." - kellycriterion
 

Why the conclusion "vaxxes are killing people" and not "hmm, this virus might be even more deadly than we realize"? Seems like the vaxx-hesitant author just wanted to confirm his priors...

"I don't know how to explain to you that you should care about other people."
 
Alt-Ctr-Left

Why the conclusion "vaxxes are killing people" and not "hmm, this virus might be even more deadly than we realize"? Seems like the vaxx-hesitant author just wanted to confirm his priors...

This is also a follow-up article that broached the topic before on the 'hedge. I think it's more about your point above that maybe we're finding out the virus is deadlier in different circumstances than we previously thought of (#1 comorbidity was/is heart disease? Definitely lends credence to the notion it's really a vascular disease at it's root), but also if that's the case the current vaccination regime is targeting the wrong vector/culprit/I'm not a doctor get off me and causing some collateral damage along the way. Both can be true at the same time.

The poster formerly known as theAudiophile. Just turned up to 11, like the stereo.
 

SPOILER ALERT: Heart disease as a top comorbidity has existed in this country long before Covid. 

Don't misunderstand me, I'm not a Covid denier and am slightly frustrated that there hasn't been more progress made towards mass vaccinations. But the statistician in me says that you'd have to prove that the comorbidity rates are statistically significant to where they otherwise would be without Covid (e.g. still very high). 

 

The good ol' senior citizen value chain, the same thing was supposed to happen with the "silver tsunami" hitting the senior housing scene (Welltower, Ventas, etc.).

Quant (ˈkwänt) n: An expert, someone who knows more and more about less and less until they know everything about nothing.
 

Regarding your thesis, it may also be worth looking at long life insurers in Asia as well.  I'm aware that they are having a drastic increase in life expectancy, and are actually selling more adult diapers than child diapers.  I don't know, just a thought

 
Funniest

I took 50 mg of adderall XR on friday night and my heart didnt stop beating at 100 BPM for 2 days. I also got the vaccine 6 months ago. Can confirm that the vaccine is having some serious adverse effects, why else would my heart be beating like that

 

Alcohol withdrawl with some amphetamines circling around in your system like that is a great recipe for Tachycardia

The poster formerly known as theAudiophile. Just turned up to 11, like the stereo.
 

I am just sitting over here with a smug grin on my face as my friends im the medical and drug industries are finally starting to admit that what I have been saying all along is actually correct.  But hey, I won't rub their face in it.  I will just make them stick their nose in it.

 

Zero hedge is an alt-right, pro-Putin propaganda source that has been crying wolf about a huge financial meltdown since the end of 2008.  Nothing they have said has ever been right.

In response to the article itself: the CEO in the video says that they are hiking premiums for working age people in lower vaccinated areas due to high death rates.  The article claims without any evidence that they will shift to high vaccine areas because it's vaccines, not COVID causing the deaths.  Frankly, it looks like this guy is just choosing what he wants to believe: the fact that death rates are up among working people is true, the fact that those deaths are mostly in low vaccine areas (either COVID itself or through COVID weakening hospitals) is a mistake in the CEO's research.

Through the remainder of the article this guy tries to draw a correlation between mortality following Q1 2021 and COVID vaccines and claiming that Omicron and Delta couldn't have killed so many young people and it has to be vaccines.  If it's "impossible" for COVID to kill young people then how can a vaccine containing COVID MRNA do it?  And why are so many of these working age deaths unvaccinated?

 

Zero hedge is actually correct about a financial meltdown.  It just has been pushed off due to insane levels of Fed and government intervention.  Just because the bubble hasn't popped doesn't mean that the its not a meltdown.  

We have gone from about a trillion per year in FED funded overnight repo lending to several trillion per week.  Banks went from needing this overnight to clear transfers to financial institutions holding this money for weeks to months at a time.  There is absolutely nothing wrong with this picture.  Totally normal.

 

If I say there's going to be a thunderstorm every day I might be right sometimes, doesn't mean I'm a good meteorologist.

What are some reasons that the Fed's increased use of the repo program are unsustainable?  You didn't give any.

 

That's ridiculous. If you had been following Zero Hedge and its long gold, short equities, you'd have missed out massively since the prior recovery. 

I doubt you'd find many people that disagree that there are some major fiscal and monetary issues, but you don't get to be wrong for a decade and then claim you are right after things eventually go your way.

 

https://www.berkshireeagle.com/ap/factcheck/vaccines-didn-t-cause-incre…

This sums it up pretty well. It's pretty clear that the leading hypothesis is this:

Davison said in a statement to the AP, citing CDC data. “Based on the data and our analysis, we believe that a significant portion of the remaining excess deaths are driven by deferred medical care and individuals who recover from COVID but later die from the toll COVID has taken on their bodies,” Davison said.

But right-wing propaganda sites are taking this out of context to blame vaccines.

 

Voluptatibus dolor ipsum est ab harum reiciendis ea. Et fuga veniam facere rerum ullam. Quod molestiae quibusdam repellat qui dolor quis. Nisi voluptas saepe et eum. Modi molestiae qui sequi quia eos cumque laboriosam.

Eveniet accusamus doloremque ea omnis autem voluptas. Maxime ut ab praesentium aut debitis reiciendis. Incidunt earum est nisi quam unde impedit voluptate architecto.

Provident accusantium hic error. Sed eum et deleniti maxime assumenda unde soluta eum. Deleniti mollitia unde doloribus eum. Ad tempora et saepe nisi ea quisquam.

 

Quia voluptas aspernatur possimus atque facere. Sit incidunt omnis eos. Ratione quo iure dolores alias adipisci cum.

Dolores molestiae voluptatum est nam consequatur sapiente eos possimus. Consequuntur sit voluptas a eius ut. Qui qui eveniet quia repellendus consectetur praesentium dolorum.

Qui ut ut asperiores eum deserunt illo enim inventore. Dolor qui doloremque et et voluptatum nihil ad soluta. Nihil voluptas reiciendis ea possimus iste iste ab. Corporis debitis ea rem provident magnam quia.

Dicta atque ut in est alias illo. Corrupti quia mollitia modi natus. Hic aut officia facilis consequatur hic. Quis nisi dolor doloribus voluptatem omnis necessitatibus. Facere est molestiae molestiae consequatur ratione. Cumque ratione ea cupiditate neque dolorem ea.

Career Advancement Opportunities

June 2026 Investment Banking

  • Evercore 01 99.4%
  • Moelis & Company 01 98.8%
  • JPMorgan 01 98.2%
  • Guggenheim Partners 01 97.7%
  • Morgan Stanley 07 97.1%

Overall Employee Satisfaction

June 2026 Investment Banking

  • Moelis & Company No 99.4%
  • Morgan Stanley 01 98.8%
  • Evercore 01 98.2%
  • BMO Capital Markets 12 97.6%
  • Banco Santander 01 97.1%

Professional Growth Opportunities

June 2026 Investment Banking

  • Moelis & Company No 99.4%
  • Evercore No 98.8%
  • Morgan Stanley 05 98.2%
  • JPMorgan No 97.7%
  • BMO Capital Markets 12 97.1%

Total Avg Compensation

June 2026 Investment Banking

  • Vice President (14) $434
  • Associates (43) $259
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (22) $179
  • Intern/Summer Associate (13) $156
  • 1st Year Analyst (75) $151
  • Intern/Summer Analyst (65) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
Secyh62's picture
Secyh62
99.0
3
BankonBanking's picture
BankonBanking
99.0
4
kanon's picture
kanon
99.0
5
dosk17's picture
dosk17
98.9
6
GameTheory's picture
GameTheory
98.9
7
DrApeman's picture
DrApeman
98.9
8
Betsy Massar's picture
Betsy Massar
98.9
9
CompBanker's picture
CompBanker
98.9
10
Jamoldo's picture
Jamoldo
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”