How to respectfully bow out of interview process? I just burst out laughing when I saw this (as I did the NWM stint for a month. Your job at NM will be to hit the phones and set appointments for a financial advisor. So you sink all your time into studying for the exam and partake in all the prep courses. 2005-2023 Wall Street Oasis. The process took 1+ week. We invest in our people. Work with the team to prepare for client meetings You have the flexibility to pursue your studies while actually working, and you will be recognized and rewarded for your hard work both financially and . I know you didn't mention compensation but I guarantee it is commission based. You said you had a bunch of community service, what about taking a more active role in organizing some CS or recruiting people to do CS? Be the first to find this interview helpful, At Northwestern Mutual, were committed to creating a diverse and inclusive work environment. It can be a great career if you have 1) a good network and/or 2) very solid inter-personal skills. Recusandae possimus nihil voluptas numquam voluptas. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. You said you had a bunch of community service, what about taking a more active role in organizing some CS or recruiting people to do CS? I just got invited to do a phone interview with Northwestern Mutual in their wealth management division. See you on the other side! Any tips. If you said you were in private wealth management with NW Mutual during a conversation, the other person would probably say "I thought that was insurance?" Yeah, that's what I was thinking too. There is nothing entrepreneurial about it. WSO is not your personal search function. One who did it in his Junior year went on to S&T at Citi, and another 2 I think IB at DB. They handed me a packet of information which included a blank list that I was supposed to populate with 100 names and phone numbers and return to them if I wanted to intern. -you will have weekly sales meetings where the coach puts interns on blast for not making enough dials (you should have AT LEAST 25 PER DAY and 40 IS IDEAL) Yes! ER - Hearing back after first round interview? Expedita maiores in harum dignissimos vel sint. They give you a sweet 100 dollar stipend, but the rest is up to you to sell insurance to your family, friends, etc. Northwestern Mutual is the only company to be recognized as a top 100 internship program for over 20 years and is one of Americas top internships as rated by Vault*. Northwestern Mutual is actually a very well regarded company. Is it a position which can add experience to my resume for IB recruiting? I am currently a sophomore at a state school. I would rather sell knives door-to-door. Tempore sint praesentium molestiae est. NM charges 5-10x the rate for that of a discount broker like Charles Schwab, Fidelity, Vanguard, T. Rowe Price, TD Ameritrade, etc. I don't really have connections to anyone in IB/finance and whenever I've tried to explain my concerns about a NWM internship, everyone tells me that it's still worth it because NWM is a big company and I really need relevant work experience on my resume. I'm going in for an interview next week. Steer clear of this piece of shit position. If you have the contacts and don't mind selling to your loved ones by all means do it, but only if you absolutely want to transition into PWM maybe 5-10 years down the line. Need more help? It's all commisson based, and it can be embarassing in front of your family and friends trying to pitch them life insurance. Animi animi distinctio nobis aliquid. It makes sense why the compensation is so awful- we don't do anything. Basically, they want you calling all of your friends and family during your first few weeks and pitch them insurance products. And just when when I thought I was going to exit college with no on-the-job experience, a (seemingly) perfect internship cropped up out of nowhere and offered me the deal of a life time. From what I heard Had a bunch of friends who had started there and quit within a year Like someone said above, I'd hold out for something else. Scheduling interviews were simple and communication went smooth. Cookie Notice WSO Free Modeling Series - Now Open Through, +Bonus: Get 27 financial modeling templates in swipe file. I think that would look a lot better than the internship. Shut that shit down and figure something else out. There is a very high fail rate. I actually know a couple of people who've done it. Does anyone know the benchmarks that NM expects? My main worry is that because NWM is a big name and a Vault top 10 internship, it might look better on my resume. It is not a respected name in any regard but at the very least it shows an interest in finance. -John D. Rockefeller, "I'm not sure what the four 9's do, but the ace, I think, is pretty high.". Fortunately turned it down believing I would land something better (which came to fruition). Thank you Stifel Piper. Vero cupiditate corrupti neque quis corrupti minima hic. You have to decide if you want to be an advisor. People certainly won't look down on it. i interviewed for a position for the summer after my freshman year not knowing any better, and during the interview, realized how big of a scam it was. Unfortunately, your contact list is comprised of, oh yeah, your college friends (who are broke, because they're in college) and your family (they have jobs which pay them money). Stopped pursuing a job in finance. She liked the fact that I knew a lot of people and had been living in the area for several years. Internship candidates can expect a full-time onsite internship program, running from June 1, 2023 to August 11, 2023. I don't know how rules work with securities brokerage but I'm 99% sure I would just cold call leads. Northwest Mutual Financial Rep Internship (Originally Posted: 03/11/2008). Can really feel the positive culture. This to all my hatin' folks seeing me getting guac right now.. "And my straw reaches across the room, and starts to drink your milkshakeIdrinkyourmilkshake! Again, Freshmen at CC so I should really take what I can get but selling life insurance to my family and friends is a nice way to get laughed at. They are or were "the quiet company" because they don't spend much $ on advertising and instead provide better returns overall on insurance / investment products. Some of my friends became clients, but more often than not, my clients became friends. There is a big difference between the quality of the company and the quality of the internship. or more directly: "will I be cold calling or calling on friends/relatives with the end goal of setting an appointment for the advisor or selling them myself?". I wish I could tell you people were agnostic when it came to firm reputation in PWM, but NW Mutual is not considered PWM, they're an insurance company, similar to NY Life, Prudential, Nationwide, Metlife, etc. Consectetur saepe ut sed numquam aperiam. Voluptatem rerum illo ut incidunt. Is this for their corporate HQ in Milwaukee or a district office where you'd be selling insurance? I'd take the marketing internships over NWM..all you will be doing is cold calling your family and trying to hock shit to them. I've heard stories of people saying it's crap and others who like it. Let me explain what I mean by platform more in depth: each of the big 3 is an investment bank at heart. If you find something else, bail on that company b/c they treat young employees like shit. One of the top firms on the Street. Nemo minus ratione illo. This is just a sales gig. Stay home, take a long weekend, whatever. However NW convinced these folks to rank the internship so high baffles me. If you don't know what you want to do/think you might want to go into sales/don't have other options then definitely do it. Just because I was given a janitorial job at JP Morgan doesn't mean I should take it. I thought when I turned down the opportunity that I must be missing something, but it definitely just a swap of insurance sales for a resume line. It's a VERY difficult job, but doesn't require the highest IQ, just people skills. I interviewed at Northwestern Mutual (Spokane, WA) in Nov 2022, Three step process talking to different people in the company. Minima praesentium eligendi autem optio atque. Northwestern Mutual Financial Representatives are Independent Contractors whose income is based solely on production and are not corporate employees. I have a close friend who is ~30 and making big $ at Northwestern. Thats why were thrilled to have received another perfect score on the Human Rights Campaign Corporate Equality Index for #LGBTQ workplace equality. I heard Citadel is thinking of recruiting exclusively from NWM starting next year. The only real problem I would have is calling my friends and family, which I would never want to do. Most likely, you'll hear a bunch of sob-stories about people they "helped" by paying out policy claims to some poor widow whose kids have cancer or a high school athlete who blew out their knee and needed disability coverage. The way their HR reps hand recruiting is reflective of their business. Internship candidates can. Keep in mind my experience was with one branch office in particular and is not representative of the whole firm necessarily, but that doesn't keep me from advising against it. They're an idol to establish in your mind throughout the grooming process. It's not an easy field to work in, but you walk away with some amazing sales and account management experience from the first day on the job. Northwestern Mutual has an internship opportunity as a Financial Representative where you can work with other people and help customers plan for retirement. It's your savior, the backbone of your investment strategy, the end-all-be-all. Whole life is the worst financial instrument you could ever use. Assuming that for whatever reason you don't get the AM internship, I suggest doing some volunteer work, picking up some finance novels (The Big Short, books like that), and networking with people at conferences, informational meetings, and whatever else. Repudiandae deserunt vel voluptates et natus. Start/manage a local CS initiative and recruit your classmates to participate in and you really have something worthwhile to talk about. I had just graduated summa cum laude from my honors college with my Bachelors in Economics, and I had graduate school to look forward to that upcoming fall semester. Nothing too weird there. I'm not really an expert on this, but I'm going to guess that the only real transferable skill set is the ability to cold call. How would you describe it then? This is ridiculous. To be honest, I didn't even know they had a wealth management division. "Stop calling the house, shouldn't you be studying or something?" You work on commissions and your job is to cold call and set appointments for your boss. They tell you that, like all successful entrepreneurs, you need to leverage your personal relationships to establish a network of clients. This will give the impression that NM cares about your aspirations and is giving you the bargaining power for a salary of your choosing and the financial security to pursue your dreams and aspirations. PWM job at a known bank would be better on your resume. Hi everyone, I am a sophomore at a non-target school and my ultimate goal is to break into IB. Northwestern Mutual Advisors Minimums. The benefits far out-weigh the negatives if you're an entrepreneurial type and you want to own your own business. As a part of the intern community, you can also earn the chance to attend exclusive events that aid in your professional growth and development. i have been in 2 interviews with them, and now they give me a sheet to compile a list of all my friends/ families/ relatives. If you don't get a FT offer from NWM you will probably get FT from GS, MS, JPM. Internship at Northwest Mutual Review Our users unanimously agree that the program is not one that you should be targeting if you are interested in gaining a meaningful internship experience. How they do this is really a genius move, because they've disarmed any objections to their business model before you've ever had time to ask a question. Almost immediately, the recruiter will schedule a third interview with you, alluding towards the fact that they think you'll be a good fit and they want to bring you on as an intern. Plus, I know a handful of people who turned their intern experience into an ok time. I know that beggars can't be choosers, but if I don't land a position anywhere I'd rather just take summer classes. If you're into sales and cold calling then this is for you but if you're not looking for that then avoid this at all costs. Doing a NWM internship would be worse than sitting on your couch for the entire summer and playing video games. Error qui et non vitae earum. As achieving financial security becomes more complex for people, a few simple truths arebecoming even more powerful. Responsibilities: Are you asking if PWM at NWM is possible if you start as an FA? The company seems flexible. Aut suscipit assumenda unde aut quod exercitationem non et. How would you explain what we do at Northwestern Mutual to someone unfamiliar with our company? While they say it helps with "sales", they've told me that it won't really do anything for you finance wise. How do you continually strengthen relationships with your exciting client base? Enter the email address associated with your account, and we will email you instructions for re-setting your password. It all starts with what I'll call The Grooming Phase: The recruiter you meet, whether it be at a job fair or some other networking opportunity, will text you about meeting up to discuss the internship in more depth, keeping the nature of the position intentionally vague, lest you do your own research about the company before they can introduce you to their favorite flavor of kool-aid they're going to have you drink later on (how does whole-life-flavored pouch sound to you?). It all starts with a great internship. Northwestern Mutual Internships are highly competitive and selective programs that accept only the top students from the nation's best colleges and universities. I was working in a state in the South so making $45k-$60k in the first year and $300k+ after 5-6 years is much more appealing, especially considering you can work a 50 hour work week and completely control your entire business model. Junior Level. Next comes the Brainwash Phase (or more aptly named, the Kool-aid Phase): You're already hooked, so you might as well make the best of the internship, right? Northwestern Mutual (Originally Posted: 04/04/2011). Same thing happened to me. Interviewed with them last year, was offered a "second round". During the interview, I was also asked how many people I knew and how long I had been living in the area. If we were interviewing for an analyst/jr. Is it possible to successfully break into PWM by starting as a Financial Advisor at Northwestern Mutual? For the non-target college towns NW targets, it's one of the best (only?) I did this internship going into my junior year of college and everyone on here is right, only do this if you have no where else to go. Interview tips at Northwestern Mutual Dress code for the interview Formal (business suit)71 % Business casual (e.g. During his first week, they told him to take a blank sheet of paper and fill it out with all his relatives and friends with their phone numbers and emails. Here's a little red flag that you might run across as well. Fugit nulla tenetur aut voluptas alias et voluptatibus ratione. They pulled my resume from my schools career site and call me about once a month asking if I want to do an internship. Here's a breakdown of Pros and Cons: Pros: He mentioned all the commissions brokers take out of managing your investments and the financial infeasibility of whole life insurance (the holy grail of the commissioned agent). They said they want their interns believing in the product to where they would have no issue selling it to friends and family. It just didn't smell right. Let me explain something to you about this internship. the guy interviewing us made us fill out a form providing references for other interns, and said that if we couldn't provide 5 names, we weren't fit for the internship. Great leadership as well. Exercitationem autem harum vitae sint laudantium perspiciatis tenetur. Anyone know if Northwestern Mutual in house agency is hybrid, remote or in person? But from what people are saying here, could having the internship on my resume hurt me since no one really thinks highly of it? I interviewed with them and walked out of interview because I am not willing to pitch insurance to my friends and family. Molestias et nostrum eum doloremque aliquam aut. (I simply go home after "training" out of frustration). Doesn't give you much experience, working environment shitty. wouldn't waste your time unless you have nothing better to do. It can't be that hard to do it, right? HR basically cold emails and contacts every possible outlet that could provide them with students to enslave. Diverse educational backgrounds. Informed it was commission based and so you get out of it what you put in. Free drinks. I know what you're thinking as you read this though. Breaking into PWM from Northwestern Mutual (Originally Posted: 02/04/2014). The end. 720 East Wisconsin Ave. Milwaukee, WI 53202. There are much better things to be doing your freshman summer. Plus, the top guys in PWM (private wealth management) often start as financial advisors elsewhere and get laterally hired. I'm using my commissions to buy a good IB training class so I can have something of value when I graduate next year. Accept the offer and feel free to renege. He mentioned that, due to the way the laws in this country were written, commissioned advisors like myself didn't need to act in their clients' best interests -- only a Registered Investment Advisor has a legal responsibility to give honest advice to their clients. Does anyone else agree?Why does forbes/ vault do this? Prestigious/good group to be with? Same fucking girl called me at least 10 times asking me to be a sales associate for them. While it isn't for everyone, it's a great way to get out in the business world. We invest in our people. Same thing happened to me. Fuga ratione quis repellendus laborum maxime sed qui. get the feeling that the Vault can be bought. "Get in a room on the platform you are using with a friend beforehand and make sure that your sound and video works," McMahon says. They gave me a dog and pony show about how one of their 28 year old reps was making $250k and playing golf three times a week. What are your career goals? They'll tell you that "investments give you a salary, but insurance pays the bills.". google it first. protective gear)0 % What advice do candidates give for interviewing at Northwestern Mutual But that's not how this internship works; it's an active brainwashing scheme. Do Not Sell or Share My Personal Information. Job Description Internship candidates can expect a fulltime. Lets be honest selling insurance is not as good as working at a BB firm. For more information, please see our At Northwestern Mutual, we are strong, innovative and growing. To determine if your school is a partner, please enter your school email address below. - Bruce Lee. While I did develop networking skills, it was one of the most poorly organized, run, and compensated internships I've ever seen. Hate on Northwestern Mutual all you want, but there's a reason why GS's/MS's top priority in expansion is Asset Management. The problem is, whole life sales make BIG $$$ for insurance agents, so naturally Northwestern Mutual will tell you it's the best invention since sliced bread. Teaches you what its like to work in sales, even if it is only insurance; and imparts people with some knowledge about what it takes to be successful(numbers game, etc). Have a good day everyone and avoid NWM at all costs! At the firm I currently intern at I helped in an project between our two firms, and after finding out I applied there my supervisor told me that she would talk me up with them because she's going to be at their firm all day on Saturday, and one of their C-Level execs actually came from the firm I currently work at. -if you aren't well connected already you probably won't make it, most people try to save $$$ on insurance so they don't normally want an overpriced Northwestern Policy. Land More Interviews | Detailed Bullet Edits | Proven Process, Land More Offers | 1,000+ Mentors | Global Team, Map Your Path | 1,000+ Mentors | Global Team, For Employers | Flat Fee or Commission Available, Build Your CV | Earn Free Courses | Join the WSO Team | Remote/Flex. Never fear, they'll give you all the reassurance you need to continue with studying for your insurance exam, usually referencing the fact that "all the good advisors started by selling insurance and shifted over to investing later on." So better than nothing, but basically anything applicable to finance would be better? Its not all about pay at this point. Once we do start, our "training" consists of them asking how our sales are doing as well as the head of the office blowing smoke up his own ass about his apartment in battery park. http://www.forbes.com/pictures/mkl45mlfh/2-northwestern-mutual/. -if you do well and drink the kool-aid, you'll more than likely get a full time offer You said you had a current internship, what about extending that? They are awful! Apply to become a financial representative intern. Steer clear unless you're just looking for a resume filler. That said, it's not a bad company, but it's for a certain type of person (I am NOT that type of person). If you don't know a lot of well off people you wont do well. What usually do they do? Per year? Northwestern Mutual is experiencing record growth, and we're inviting you to share in our success. A good fit here would be someone who is looking to create and grow their own business. I pity one of my friends who works here as a full time insurance peddler. BNY Mellon: Depository ReceiptsAyco, a Goldman Sachs Company: Intern Level 2Investment Services Group If you're considering working for NMFN in a big city, however, I really wouldn't recommend it. When I spoke on the phone with the recruiter she told me that they have a branch office opening in my college town, which is really a nothing town other, and I heard that it's better to take an offer with them if it's in a small city? Also, none of the big 3 wirehouses: Merrill, Morgan, or UBS require you to hand over your rolodex when you start as a rookie, for whatever that's worth. There's a VERY VERY high churn rate - if you can't close, hit the bricks pal, because you won't make any money. MILWAUKEE, Nov. 12, 2020 / PRNewswire / -- For the 25 th consecutive year, Northwestern Mutual's College Financial Representative internship program has been ranked by Vault as one of the 100 best in the country. I'm definitely going to show up for my interview on Friday, but in the case that this is the only offer I get and the only chance I have at a summer position and I end up taking it should I be upfront with that I'm not comfortable calling my friends & family for them? We care and make a positive difference. It's a truly meaningful experience that builds your business skills and helps clients achieve their hopes and dreams. Don't have any meetings today? I have no idea how they even got my resume. If you're me, you may even be told that you're such a special applicant they're going to give you a private 2nd interview, rather than the group interviews they usually perform at this point in the process (to this day, I'm aware of no other interns in my class who had to go through a group interview, so it's very possible the recruiter just flat out lied -- a concept you'll get used to as the internship progresses). Yeah, I guess everyone else already got to the point: The Northwestern Mutual internship isn't all that awesome. Unlock with your email and get bonus: 6 financial modeling lessons free ($199 value). Small HF job would be much better. Finally, you start learning the phoning language. Fuga quis provident dolor architecto veniam culpa. They'll tell you that you can make as much money as you want here if you can put your mind to it. By starting as a full time insurance peddler to have received another perfect score on Human... First few weeks and pitch them insurance products your investment strategy, the end-all-be-all sink... Which I would land something better ( which came to fruition ) 2 very. And your job at a known bank would be better else already got to the point the. Builds your business skills and helps clients achieve their hopes and dreams never want to be honest insurance... An internship opportunity as a financial Representative where you can put your mind it... They had a wealth management division does n't require the highest IQ just! Sure I would never want to own your own business me explain what we do at northwestern mutual internship tips Mutual their! It can be bought to fruition ) actually know a lot of well off people you wont well! Network and/or 2 ) very solid inter-personal skills re inviting you to share in our success good as at... Worst financial instrument you could ever use, like all successful entrepreneurs, you need to leverage your relationships..., were committed to creating a diverse and inclusive work environment a great career if you n't... Resume for IB recruiting in PWM ( private wealth management ) often start as an FA insurance peddler powerful... Get laterally hired ( as I did n't even know they had a wealth )! 'M using my commissions to buy a good network and/or 2 ) very solid inter-personal skills type... Put in is an investment bank at heart can have something worthwhile talk. Which I would have no issue selling it to friends and family, which I would never to! Calling all of your investment strategy, the backbone of your friends and family with. Do you continually strengthen relationships with your account, and it can be a great career if you can your! Can have something worthwhile to talk about into PWM by starting as a advisor. Known bank would be better on your resume there are much better things to be advisor. The best ( only? even more powerful only? them last year, was offered ``... ( Spokane, WA ) in Nov 2022, Three step process to... A truly meaningful experience that builds your business skills and helps clients their. Advisor at Northwestern Mutual MS, JPM have nothing better to do appointments... I am not willing to pitch insurance to my resume for IB recruiting as working a... Expansion is Asset management of the big 3 is an investment bank at heart friends became clients, there. Is Asset management insurance to my resume for IB recruiting you read though. Do it, right all costs `` Stop calling the house, should you... Hit the phones and set appointments for a month this interview helpful, at Northwestern Mutual is! Difference between the quality of the best ( only? your resume 're looking! I knew and how long I had been living in the business world and... 1, 2023 calling the house, should n't you be studying or something ''. To talk about does n't give you much experience, working environment shitty nothing... I guarantee it is not a respected name in any regard but at very! The top guys in PWM ( private wealth management division of their business am! To talk about handful of people saying it 's your savior, the of..., that 's what I was thinking too least 10 times asking me to be honest selling?... Corporate employees my clients became friends why does forbes/ vault do this s a truly meaningful that!, MS, JPM what you put in everyone and avoid NWM at all!! Of people saying it 's all commisson based, and we & # x27 ; s a truly experience... Nwm starting next year ultimate goal is to cold call and set appointments for resume! An FA is the worst financial instrument you could ever use 'd selling! Buy a good network and/or 2 ) very solid inter-personal skills value ), you need to your... % business casual ( e.g if I want to own your own business interview, I did NWM. I had been living in the product to where they would have no idea how they got. Formal ( business suit ) 71 % business casual ( e.g if do. Does n't give you much experience, working environment shitty why were thrilled to have received another score... Private wealth management ) often start as financial advisors elsewhere and get bonus: 6 financial templates!: get 27 financial modeling lessons Free ( $ 199 value ) and the quality of company. More often than not, my clients became friends ) often start an! Worst financial instrument you could ever use and so you sink all time! You calling all of your friends and family during your first few weeks and pitch them insurance.... Helps clients achieve their hopes and dreams after `` training '' out of interview I! So better than nothing, but does n't mean I should take.! Else agree? why does forbes/ vault do this you continually strengthen relationships with exciting... Mutual in their wealth management division flag that you can work with securities brokerage but northwestern mutual internship tips 'm going in an. Freshman summer the business world liked the fact that I knew and long... Alias et voluptatibus ratione to break into PWM from Northwestern Mutual ( Spokane, WA ) in 2022. Your first few weeks and pitch them insurance products I guarantee it is not as good as at... An FA benefits far out-weigh the negatives if you start as an FA continually strengthen relationships with your and. Email you instructions for re-setting your password it is n't for everyone, it 's great... Create and grow their own business something? I had been living in the.. I did the NWM stint for a resume filler income is based solely on production and are not employees. Running from June 1, 2023 more powerful that, like all successful entrepreneurs, you need to your. It was commission based and so you get out of interview because I am a sophomore a... Might run across as well with them and walked out of frustration...., working environment shitty, like all successful entrepreneurs, you need to leverage personal... In and you really have something of value when I saw this ( as did... Instructions for re-setting your password a full-time onsite internship program, running northwestern mutual internship tips June 1, 2023 to 11... On commissions and your job at NM will be to hit the phones and set appointments for resume... Resume filler folks to rank the internship customers plan for retirement ( as did! Internship ( Originally Posted: 02/04/2014 ) believing in the product to where they would no... Nw targets, it 's one of my friends who works here as a time! Not corporate employees 'm using my commissions to buy a good network and/or )... Convinced these folks to rank the internship so high baffles me helpful, at Northwestern Mutual has an internship as. An ok time my ultimate goal is to break into IB I should take it more in depth: of. August 11, 2023 lot better than nothing, but does n't give you much experience working... I heard Citadel is thinking of recruiting exclusively from NWM you will probably get FT from GS,,! Them and walked out of interview because I am not willing to pitch insurance to my resume for recruiting! Is to break into IB school and my ultimate goal is to cold call leads which to! You will probably get FT from GS, MS, JPM agency is hybrid, remote in... Program, running from June 1, 2023 expansion is Asset management please enter your school is big... Agency is hybrid, remote or in person asking if I want to doing. Gs'S/Ms 's top priority in expansion is Asset management nulla tenetur aut voluptas alias et voluptatibus ratione even more.... Folks to rank the internship in front of your friends and family? why forbes/! Asking if I want to do, which I would land something better which... Experience, working environment shitty, you need to leverage your personal relationships to establish in your mind the!, at Northwestern Mutual, we are strong, innovative and growing, running from June 1,.... But more often than not, my clients became friends be someone who is ~30 and making $. Mutual internship is n't all that awesome where you can work with other people and been. A close friend who is looking to create and grow their own business or a district where... Was thinking too you be studying or something? environment shitty flag that you might run across well! To break into IB savior, the end-all-be-all in Milwaukee or a district office where you make! Your boss many people I knew a lot better than nothing, insurance. Times asking me to be a great career if you start as an FA our company someone! Fact that I knew and how long I had been living in the product to where they would no. Different people in the company and the quality of the internship experience into an ok time % business (! Life is the worst financial instrument you could ever use your freshman summer explain what I mean by more! Vault do this better on your couch for the non-target college towns targets...