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Wall Street Oasis » Blogs » TheKing's blog
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3 Methods Bankers Use To Not Get Fat
 

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TheKing's picture
TheKing
      O
 
 
(Senior Neanderthal, 5,141
 
Points)
 on 6/26/12 at 2:19pm
Analyst Lifting

One of the biggest challenges you'll face in your first few years in finance is keeping your weight under control. When you're pulling 100 hour weeks and have $25 a night to spend on food, it's easy to start packing on the pounds.

Let's be clear, when you're turning pitch edits around the clock, the last thing you'll want to do is eat a side salad for dinner.

So, how does one deal with the long hours, the stress, and lack of sleep and manage to stay in some semblance of shape? There are a number of ways....

As someone who came into banking straight out of college and in decent shape, it was important to me to try and not let myself go. Over the course of my career, I've tried, or witnessed, several different methods, each with its own set of pros and cons. Here are some of the highlights:

The Workout Freak Method

We've all encountered the type. The guy who's up at the crack of dawn doing laps at the pool. The guy who's spending his Sundays running half marathons. The dude who's already completed a triathlon. I've found that finance attracts more professional exercisers than any other field. I guess it comes with the Type A territory.

The Pros of being a workout freak are, obviously, that you'll stay healthy and be in great shape. The Cons, however, are that you'll be spending a ton of your free time at the gym, it takes a fuck-ton of dedication, and your less-fit colleagues will probably harbor a secret resentment of you. I suppose it beats lovehandles, though.

The Fad Diet Method

Maybe I've just worked with some oddballs, but I've had several co-workers do any number of fad diets to keep their weight down. Atkins, South Beach, the caveman diet, I've even seen people do stretches of veganism. Whatever it takes to keep the calories down.

As far as I've seen, there really aren't too many pros here. At best, some of the older folks I've worked with can shed a few pounds by drastically switching up their food habits, but the results are usually short-lived. Plus, if you're on the South Beach diet, you'll end up looking like a fool when you eat your sandwich sans bread in client lunch meetings. I've seen this happen, and it's just weird. Don't be that guy.

The 'Never Eat after 7pm' Method

Maybe this one seems weird, but it's generally worked pretty well for me. It takes some major will power, but if you can keep a decent window of time between when you eat your last meal and when you go to sleep, you can usually keep your weight down. If you can also mix in a decent workout three or four times a week, you could be golden. The downside, of course, is that you'll feel like an old head when you're eating dinner at six.

It really all comes down to doing things in moderation. Not gorging yourself on burgers and fries every night and trying to work in a decent workout here and there. Sacrifice a little sleep once in a while or some time on the weekends to get to the gym. Not everyone has the will power, or the desire, to train for marathons, but hitting the gym when you can will provide damage control.

Alternatively, there's always the I don't give a fuck method

This, as you can imagine, consists of maximizing your food intake and minimizing your exercise. You either have a hyperactive metabolism, stay slim, and clog your arteries, or you gain a ton of weight and have to buy new clothes. Either way, as long as you don't give a fuck and get your work done, good on you.

Anyway, I'm curious to hear how others on WSO kept themselves in shape while cranking away for 80 hours a week. Also, how many of you guys have worked with a marathon runner type? Or, better yet, are you that guy? If so, can you feel the quiet resentment your colleagues have for you?

Check out my WSO Blog
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Tags:
  • weight
  • losing weight
  • diets
  • damage control

Comments

Addinator's picture

You definetly have the types

Addinator
      ST
 
 
(Senior Gorilla, 926
 
Points)
 on 6/26/12 at 12:58pm

You definetly have the types down, I guess I fall into the wake up at 5 am everyday grouping. Personally, I find it easier to be more productive throughout the day when I'm up and already have a workout it. Plus, easier to find motivation than after a whole day at work. Granted, I normally am not up until 1 am cranking out spreadsheets so that obviously makes it a bit more palatable to keep a gym schedule.

Contact: [email protected]
See my other blog posts

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IlliniProgrammer's picture

I am one of those weird

IlliniProgrammer
      ST
 
 
(Almost Human, 9,219
 
Points)
 on 6/26/12 at 1:04pm

I am one of those weird part-type A part-type B personality types. Combination of healthy eating, walking to work, and four trips (not ten) to the gym every week for a mile and a half swim each time.

Speaking of swimming, I'm doing the Broolyn Bridge Swim in two weeks. Anyone interested in joining me?

Work hard, play hard.

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jesus of nazareth's picture

I used to be all about rising

jesus of nazareth
     
 
(Senior Baboon, 242
 
Points)
 on 6/26/12 at 1:05pm

I used to be all about rising early to exercise. However, unfortunately, my job already requires me to get up at 5am.

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FormerHornetDriver's picture

For NYC-based bankers, are

FormerHornetDriver
      IB
 
 
(Orangutan, 363
 
Points)
 on 6/26/12 at 1:14pm

For NYC-based bankers, are there decent delivery options for somewhat-healthy meals? A friend of mine at a BB in NYC orders sushi just about every night with the primary purpose of keeping his weight a bit under control.

Thoughts?

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JimmyDormandy's picture

When I worked in banking, I

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 6/26/12 at 1:21pm

When I worked in banking, I used the aformentioned plan of not eating late. Also, I ordered fish/chicken/meat (only once a week) in conjunction with veggies and some sort of healthy starch. Also, during the day I ate a lot of fruit, protein shakes, yogurt, pb&j on whole wheat, etc. I found that eating every couple of hours prevented me from over indulging during any one meal. Maybe I was fortunate, but most of my group were ex athletes (like myself), so if we wanted to hit the gym from 7-8 at night (as long as there wasn't a deadline, there was no issue with that). Also, if you don't hit Starbuck's 3 times a day, you can add up that time to use for the gym, not drink sugary drinks and save yourself a pretty penny too.

"Jesus, he's like a gremlin; comes with instructions and shit"

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jack_donaghy's picture

Biking on the weekend. A 1

jack_donaghy
      IB
 
(Senior Baboon, 219
 
Points)
 on 6/26/12 at 1:24pm

Biking on the weekend. A 1 hour ride at a serious clip will burn 1000 calories.

MMA during the week. I'm not suggesting that anybody sub in to take on Spider Silva in a couple of weeks, but the constantly changing workout will help shed some weight at about 2-3 hours per week.

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JimmyDormandy's picture

if you can find a local

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 6/26/12 at 1:25pm

if you can find a local crossfit gym near work, I would recommend that. Your workout is done in under an hour and you get in ridiculous shape. I have been doing it for 6 months and it was the best decision of my life.

"Jesus, he's like a gremlin; comes with instructions and shit"

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MEvolutionToday's picture

For me, the only method that

MEvolutionToday
     
 
(Baboon, 127
 
Points)
 on 6/26/12 at 1:27pm

For me, the only method that works is: calories in = calories out => no weight gain/loss.

When I eat during the day I just make sure that I meet my calorie requirements. No matter what I eat, this rule applies.

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Domino's picture

I'm the marathon runner

Domino
     
 
(Baboon, 134
 
Points)
 on 6/26/12 at 1:29pm

I'm the marathon runner type.

For me, it seems to work pretty well to work out 2-3 times per week coupled with a few short runs. I find the most important thing however is what you eat. When not out with clients, I avoid sugars, bread, pasta, rice, potatoes, anything that has >10% carbs, somewhat following the caveman diet. When eating with clients however, everything is fair game.

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Domino's picture

Or you could just take up

Domino
     
 
(Baboon, 134
 
Points)
 on 6/26/12 at 1:31pm

Or you could just take up smoking.

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jesus of nazareth's picture

Domino: I'm the marathon

jesus of nazareth
     
 
(Senior Baboon, 242
 
Points)
 on 6/26/12 at 1:32pm
Domino:

I'm the marathon runner type.

For me, it seems to work pretty well to work out 2-3 times per week coupled with a few short runs. I find the most important thing however is what you eat. When not out with clients, I avoid sugars, bread, pasta, rice, potatoes, anything that has >10% carbs, somewhat following the caveman diet. When eating with clients however, everything is fair game.

Interesting, a friend of mine does that. He said avoiding carbs keeps you awake and refreshed throughout the day. Gotta try that some point.

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U Accrete Me's picture

Book: The four hour body. I

U Accrete Me
      IB
 
(Senior Baboon, 175
 
Points)
 on 6/26/12 at 1:40pm

Book: The four hour body.

I actually learned about this book from WSO. The author of this book seems to be obsessed with experimenting on his body to the readers benefit. I'm on the Slow-Carb diet, as described by the book, supplementing my meals with different vitamins and extracts including Green Tea Extracts, Garlic Extracts, and Alpha Lipoic Acid. You pretty much eat Cruciferous Veges, and anything else green, a shit ton of meat and lean fish (think tuna not salmon), no white carbs - bread, rice, pasta etc and eat lots of legumes. Love it because it allows you to eat a huge portion of these foods and your allowed one super awesome cheat day per week, and by that i mean eating anything. Highly recommend the book and the diet. Not so challenging and very quick and effective.

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labanker's picture

When I was an analyst I'd

labanker
      PE
 
 
(Orangutan, 330
 
Points)
 on 6/26/12 at 1:42pm

When I was an analyst I'd pick-up Whole Foods for dinner using my per diem and grab something healthy for lunch the next day as well. They usually had a decent assortment of healthy fare.

Workout wise I'd aim to get in three weight workouts per week. Two during the weekdays and one on the weekend. Would usually get them in during the later evenings after the senior folks went home. Would go bang out a quick 45 min workout at say 9 p.m. (or sometimes just roll workout / dinner into one) and then come back to the office to finish up whatever needed to be done. 2x during the week was usually about the right frequency. Anything more would be tough and anything less you'd see limited gains.

Now I have more time so my workout regimen is more varied. Also eat very few carbs (similar to this former McKinsey consultant http://eatingacademy.com/). Honestly this last point is the best way to keep the pounds off. If you don't eat carbs it doesn't matter how much / how little you exercise. You'll stay lean. And yes I am that guy that doesn't eat the bread on my sandwich in client meetings.

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FormerHornetDriver's picture

I disregard any 'fad diets'

FormerHornetDriver
      IB
 
 
(Orangutan, 363
 
Points)
 on 6/26/12 at 1:43pm

I disregard any 'fad diets' as soon as I read that they do not allow booze......

On a more serious note.....(but not really).....

It's interesting that many of you mentioned the caveman diet. One of my father's former colleagues, who is now in his late 70s, has been on the caveman diet for about 30 years and the guys seriously looks 25 years younger than he actually is. He could easily pass for late 40s, early 50s and he is not at all a workout nazi.

Maybe it is something to look into?

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Domino's picture

jesus of

Domino
     
 
(Baboon, 134
 
Points)
 on 6/26/12 at 1:50pm
jesus of nazareth:
Domino:

I'm the marathon runner type.

For me, it seems to work pretty well to work out 2-3 times per week coupled with a few short runs. I find the most important thing however is what you eat. When not out with clients, I avoid sugars, bread, pasta, rice, potatoes, anything that has >10% carbs, somewhat following the caveman diet. When eating with clients however, everything is fair game.

Interesting, a friend of mine does that. He said avoiding carbs keeps you awake and refreshed throughout the day. Gotta try that some point.

I agree with him. I also drink a few cups of coffee during the day, but that's more because I like the taste rather than because I'm feeling tired.

Not quite sure of this, but the way that I've had it explained is that the human body is not very good at processing carbs as it will store it for later as fat. The human body has not adjusted to getting at least 3 meals per day and thus seeks to store the energy contained in carbs, leading to weight-gain. (I'm not an expert on this, feel free to correct me anyone)

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R0bin's picture

I was honestly expecting

R0bin
     
 
(Orangutan, 292
 
Points)
 on 6/26/12 at 2:48pm
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Baby you're the perfect shape, baby you're the perfect weight. Treat me like my birthday, I want it this way and I want it that way. It makes a man feel good baby.

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THE PsYcHoLoGy's picture

Awesome post! I'm fortunate

THE PsYcHoLoGy
      IB
 
 
(Senior Baboon, 249
 
Points)
 on 6/26/12 at 2:03pm

Born to bank. Born to win.

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Onetwobit's picture

well I don't eat dinner to

Onetwobit
      CF
 
(Orangutan, 252
 
Points)
 on 6/26/12 at 2:10pm
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TheBigBambino's picture

I was a gym freak but i'm one

TheBigBambino
      VC
 
 
(Orangutan, 269
 
Points)
 on 6/26/12 at 2:14pm

"If you want to succeed in this life, you need to understand that duty comes before rights and that responsibility precedes opportunity."

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TheBigBambino's picture

Also - signing up for a 5K or

TheBigBambino
      VC
 
 
(Orangutan, 269
 
Points)
 on 6/26/12 at 2:18pm

"If you want to succeed in this life, you need to understand that duty comes before rights and that responsibility precedes opportunity."

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bankerella's picture

I didn't see my method here.

bankerella
      IB
 
 
(King Kong, 1,863
 
Points)
 on 6/26/12 at 2:27pm

See my other WSO blog posts

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wallstasks's picture

As many others I lost a

wallstasks
     
 
(Senior Baboon, 197
 
Points)
 on 6/26/12 at 2:37pm
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J_monkey's picture

Basically, all I eat at home

J_monkey
      O
 
(Baboon, 165
 
Points)
 on 6/26/12 at 2:44pm
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LBObuyout's picture

hmm weight loss pills?

LBObuyout
      IB
 
(Baboon, 174
 
Points)
 on 6/26/12 at 3:05pm
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IlliniProgrammer's picture

TheBigBambino: Also - signing

IlliniProgrammer
      ST
 
 
(Almost Human, 9,219
 
Points)
 on 6/26/12 at 3:08pm

Work hard, play hard.

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Edmundo Braverman's picture

IlliniProgrammer: Speaking of

Edmundo Braverman
      ST
 
 
(Human, 14,357
 
Points)
 on 6/26/12 at 3:12pm

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TheKing's picture

On a serious note, if anyone

TheKing
      O
 
 
(Senior Neanderthal, 5,141
 
Points)
 on 6/26/12 at 3:15pm

Check out my WSO Blog

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OMS's picture

eating after 7pm is just fine

OMS
      PE
 
 
(King Kong, 1,886
 
Points)
 on 6/26/12 at 3:24pm
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MonkeyWrench's picture

TheKing: On a serious note,

MonkeyWrench
      O
 
(Senior Monkey, 77
 
Points)
 on 6/26/12 at 3:25pm

"Who am I? I'm the guy that does his job. You must be the other guy."

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OMS's picture

JimmyDormandy: When I worked

OMS
      PE
 
 
(King Kong, 1,886
 
Points)
 on 6/26/12 at 3:30pm
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JimmyDormandy's picture

OMS: JimmyDormandy: When I

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 6/26/12 at 3:44pm

"Jesus, he's like a gremlin; comes with instructions and shit"

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Senvik's picture

A rather old but still

Senvik
     
 
(Senior Baboon, 187
 
Points)
 on 6/26/12 at 4:06pm

"You stop being an asshole when it sucks to be you." - IlliniProgrammer

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TheKing's picture

Oh yeah, water is huge. I

TheKing
      O
 
 
(Senior Neanderthal, 5,141
 
Points)
 on 6/26/12 at 4:16pm

Check out my WSO Blog

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turtles's picture

IlliniProgrammer: I'm doing

turtles
      IB
 
(Neanderthal, 2,937
 
Points)
 on 6/26/12 at 4:44pm

Just saying...

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West Coast Analyst's picture

TheKing, Are you still in PE?

West Coast Analyst
      CF
 
(Orangutan, 298
 
Points)
 on 6/26/12 at 5:01pm
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IlliniProgrammer's picture

turtles: IlliniProgrammer:

IlliniProgrammer
      ST
 
 
(Almost Human, 9,219
 
Points)
 on 6/26/12 at 5:03pm

Work hard, play hard.

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RARORAC's picture

For me running to or from

RARORAC
      IB
 
(Chimp, 10
 
Points)
 on 6/26/12 at 5:44pm
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IlliniProgrammer's picture

Eddie, how fast are you

IlliniProgrammer
      ST
 
 
(Almost Human, 9,219
 
Points)
 on 6/26/12 at 5:47pm

Work hard, play hard.

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kmess024's picture

I would think that having to

kmess024
      EN
 
(Orangutan, 312
 
Points)
 on 6/26/12 at 5:55pm

The Four E's of investment
"The greatest Enemies of the Equity investor are Expenses and Emotions."- Warren Buffet

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jesus of nazareth's picture

QUESTION: does any trader on

jesus of nazareth
     
 
(Senior Baboon, 242
 
Points)
 on 6/26/12 at 6:09pm
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Onetwobit's picture

is anyone else addicted to

Onetwobit
      CF
 
(Orangutan, 252
 
Points)
 on 6/26/12 at 6:09pm
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prudentinvestor's picture

Here is a simpler solution.

prudentinvestor
     
 
(Orangutan, 317
 
Points)
 on 6/26/12 at 6:12pm
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whatwhatwhat's picture

how do you develop the

whatwhatwhat
      HF
 
(King Kong, 1,400
 
Points)
 on 6/26/12 at 6:58pm
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Oscar_chow's picture

I've been working out for a

Oscar_chow
     
 
(Senior Monkey, 68
 
Points)
 on 6/26/12 at 7:06pm
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TheKing's picture

huethan: TheKing, Are you

TheKing
      O
 
 
(Senior Neanderthal, 5,141
 
Points)
 on 6/26/12 at 7:30pm

Check out my WSO Blog

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21 Lives's picture

TheKing: A dumb trick that

21 Lives
     
 
(Orangutan, 266
 
Points)
 on 6/26/12 at 8:21pm

My WSO Blog

"Unbelievably Believable" -- RG3

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thegreencoat's picture

5am: 3 mile run, 3 days a

thegreencoat
     
 
(Chimp, 12
 
Points)
 on 6/26/12 at 8:46pm
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labanker's picture

TheKing: I'm still in PE,

labanker
      PE
 
 
(Orangutan, 330
 
Points)
 on 6/26/12 at 9:02pm
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Relinquis's picture

I think there are merits to

Relinquis
      RE
 
 
(Neanderthal, 2,186
 
Points)
 on 6/26/12 at 10:18pm

relinquis... Killing the GMAT this December; Over/Under set at: 725 GMATs.

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gh15's picture

currently an SA. wake up at

gh15
      IB
 
(Monkey, 44
 
Points)
 on 6/26/12 at 11:59pm
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You shall not copy or adapt the HTML code that the Company creates to generate its pages. It is also protected by the Company?s copyright.

Acceptable Site Use.

General Rules: Users may not use the Web Site in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Web Site Security Rules. Users are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Web Site, overloading, "flooding", "spamming", "mailbombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail. Violations of system or network security may result in civil or criminal liability. The Company will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Specific Prohibited Uses.

The Company specifically prohibits any use of the Web Site, and all users agree not to use the Web Site, for any of the following:

  • Posting any incomplete, false or inaccurate biographical information or information which is not your own accurate resume
  • Using any device, software or routine to interfere or attempt to interfere with the proper working of this Web Site or any activity being conducted on this site.
  • Taking any action which imposes an unreasonable or disproportionately large load on this Web Site?s infrastructure.
  • If you have a password allowing access to a non-public area of this Web Site, disclosing to or sharing your password with any third parties or using your password for any unauthorized purpose.
  • Notwithstanding anything to the contrary contained herein, using or attempting to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Web Site other than the search engine and search agents available from the Company on this Web Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
  • Attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Web Site.
  • Aggregating, copying or duplicating in any manner any of the materials or information available from the Web Site.
  • Framing of or linking to any of the materials or information available from the Web Site.

User Information.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid email address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company reserves the right to offer third party services and products to you based on the preferences that you identify in your registration and at any time thereafter; such offers may be made by the Company or by third parties. Please see the Company's Privacy Policy below for further details regarding your Information.

Registration and Password.

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized use of your registration or password.

The Company's Liability.

As a condition to your use of this site, you release the Company (and our agents and employees) from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code d1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

We are under no legal obligation to, and generally do not, control the information provided by other users which is made available through the Web Site. By its very nature, other people?s information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that you will use caution and common sense when using this Web Site.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

You acknowledge and agree that you are solely responsible for the content and accuracy of any resume or material contained therein placed by you on the Web Site and you agree to let any users that are identified as recruiters (designated in the sole discretion of the Company) to have access to your resume.

The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site.

THE COMPANY DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE COMPANY IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages.

IN NO EVENT SHALL THE COMPANY, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THE WEB SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links to Other Sites.

The Web Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by the Company of the contents on such third-party Web sites. The Company is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

No Resale or Unauthorized Commercial Use.

You agree not to resell or assign your rights or obligations under these Term of Use. You also agree not to make any unauthorized commercial use of the Web Site.

Limitation of Liability.

The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $1.

Termination.

The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to immediate termination of your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of these Terms and Conditions or if the Company is unable to verify or authenticate any information you submit to the Web Site registration with or ability to access the Web Site.

Indemnity.

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

General.

The Company makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within New York, New York. If any provision of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Web Site a particular "Legal Notice," or Software License or Material on particular Web pages, these Terms and Conditions constitute the entire agreement between you and the Company with respect to the use of Web Site. No changes to these Terms and Conditions shall be made except by a revised posting on this page.

PRIVACY POLICY

The Company recognizes that you are concerned about privacy. We are committed to preserving your privacy and safeguarding your sensitive information. The following statement describes the general information-gathering and usage practices of our sites.

Our staff, contractors, Internet service providers and others involved in this site follow this policy or similarly strict policies regarding your Information.

Disclosure

The Company is committed to fully disclosing our policies regarding the collection, use, maintenance, disclosure and security of personal information obtained from users of our site. The term "personal information" includes a name, address, email address, or any other information which could be used to contact you directly or to identify you personally.

Use and Disclosure Limitations

The Company only uses personal information about its Web site users for specific purposes. We do not share user information with third parties except when we have told users about the disclosures, when we have prior consent, or when required by law.

Use Policy: When the Company gathers personal information from users, we ask for permission first. We also disclose, at the time of collection, how the information will be used by us. Personal information is used for activities such as auto-completion of commonly-used forms and helping us contact you when you solicit information from us.

Disclosure Policy: We do not normally disclose personal information to anyone outside of the Company unless we have previously informed users about the disclosures. However, some data may be used from time to time by outside contractors, including auditors or consultants, to assist us in carrying out necessary financial or operational activities. These uses will be consistent with this privacy policy and all contractors using this potential personal information must agree to safeguard it, to use it only for the authorized purpose, and to return it or destroy it upon completion of the activity.

The Company might be required to disclose personal information in response to a valid legal process such as a subpoena, search warrant or court order.

Although unlikely, it is possible that we may have to make certain disclosures to ensure the security of our Web site, to protect its integrity, or to take precautions against potential liability. In any of these situations, we will take any reasonable steps to limit the scope of the data disclosed.

Web Logs: The Company maintains standard Web logs that record basic information about visitors to our Web site. These logs contain: * The Internet domain from which you came to our Web site. * Your IP address. An IP address is a series of numbers which uniquely identifies your connection to the Internet. Although it is possible in some instances, certain types of IP addresses may be used by interested persons to identify users but we do not attempt to identify users in this way. * The type of browser (e.g., Internet Explorer or Netscape) and operating system (e.g., Windows 98) you use. * The date and time you visited the site, and the pages you saw.

We use Web log information to design our Web site, identify popular features, and in similar ways. We do not try to identify individuals from Web logs or to link Web logs to other user information. However, if someone tries to damage our Web site or use it in an unauthorized or illegal way, we may share Web log information with law enforcement agencies. The Company may provide aggregate information such as the number of users who visit particular pages of the site, or the number of people who link to certain external sites from our site, to other parties.

Changes to Privacy Policy

The Company's features and services will change over time and our information-gathering practices and policies may also change.

While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information.

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    Please tear apart my Résumé
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    Applying to PhD in Finance, PhD Math, and MBA at a Same School (Not Dual/Joint)
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    Interview feedback
  • I recently just got an internship offer at a boutique for equity research. I was wondering what the chances are they will ask for a transcript or do a background check to verify my GPA and whatnot at this point in the game. I had some issues with my GPA this semester and I need to lock down this...
    background check at boutique?
  • Anyone else apply/accepted to WUSTL's MSF program for this coming fall? If so, please provide your profile, your track (Quant/Corporate) and why you chose WUSTL. Feel free to pm me if you don't want to discuss your profile in public. I'm trying to get information on select MSF...
    WUSTL MSF Applicants (2013-2014)
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