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Wall Street Oasis » Blogs » Human's blog
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Part 1: My Pursuit of Happyness
 

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Human's picture
Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 9:00pm
The Pursuit of Happyness

Before I announce what I am planning to do for WSO, it will help to speak briefly about my background - I am turning 27. I left home at the age of 18. I came from a middle class in a very poor nation with extreme political instability. I attended college on scholarships that covered most of my tuitions. I worked on campus, did relevant internships as well as attended school full time.

For the last nine years, I have taught to take care of myself. Previous seven years were harsh living by myself, but this period (May 2010 to May 2011) was one of the most difficult times in my life . I completed my graduate program without an offer in hand. It was in 2010, and the world seemed to have collapsed. All the firms were laying off people. Most of the major banks had taken the bailout money and international students were no longer eligible for Visa sponsorship as a part of the bailout. Since major investment banks were the one who employed the most people, I wasn’t eligible to apply for a lot of positions.

Life became one giant question mark, and for me, it was extremely painful and stressful. I went through an emotional journey to rebuild my identity, get in shape and find a purpose in life. It wasn’t easy but I am glad that I came out stronger at the end.

Started Out With This
My self-development journey started in May 2010. I was broke, overweight and single. The money that I had saved up was slowly running out. My credit cards reached its limits and I was $15,000 in debt. After constantly overworked and being sleep deprived, combined with eating junk foods, I gained over 45 pounds to 235 lbs. I had broke up with my girlfriend of two years and it was devastating.

I had been living in a basement studio since the beginning of my graduate program. The basement always gets flooded every time when it rains heavily. Every time when it snows outside, I have to literally dig my way out the snow. No matter how much I clean this place, I still see rats and roaches running around from time to time. In the summer, the basement becomes unbearably hot. In the winter, the place gets really cold. Since I paid a fixed rate for utility, my landlord did not allow me to turn on AC in the summer and always turned off the heaters at night in the winter to save electricity. I was broke and I can’t complain since I didn’t have extra money to pay for it.

My home country continued to be in a political turmoil and there was no way that I could return back home. Most importantly, my self-esteem would not let me. I could not bear the thought of walking out on myself. I told my parents to give me one year to do what I want with my life. If at the end of the one year, I were to failed, I will pack my bags and leave this country.


Although my experience wasn't as horrible as Will Smith's character, Chris Gardner in the movie "The Pursuit of Happyness", I experienced similar low point in my life and I am grateful for everyone who had helped me along the way.

At The End of The Tunnel
On April 20th 2011, at 1:00pm, I finally got a call that I have been waiting for. After applying 800+ jobs, talking to 600+ people and 35+ interviews, I was offered a Research Associate position at a Boutique. I couldn’t believe that I was hearing this. That day, I took a day off from my consulting job and was walking around Union Square. I stood there silently for a few minutes without knowing how to react from the call that I just received. Then, I cried intensely. I had been holding out all the self-doubts until this point. I had heard enough of repeated criticisms without having anyone to tell me that I was on the right path. I was told continuously that “I wasn’t good enough” and that “I don’t have the right background”. Most importantly, this was the self-validation that I was looking for: I didn’t walk out on myself, I didn’t give up, I didn’t quit on myself.

Almost one year after May 2010, I am rightfully employed and pursuing my career. I have lost 45 lbs to a healthy weight at 190 lbs. And my dating life has been going well. I met my current girlfriend while I was still broke. As of today, I have paid off all my debts from my last year’s bonus. I have been living together with my girlfriend in a one bedroom apartment at a nice neighborhood.

I finished my dating blog, which led me to write for Men's Psychology. Through my self discovery journey, I was able to use what I have learned in helping 1) two of my guy friends get married, 2) two of my other guy friends in getting their girlfriends, and 3) another two of my guy friends have become very successful in dating. I have also took my time to help others in securing internships and landing full time positions. This has also led me to spend more time on WSO to help out any Prospective Monkeys.

Next post will cover what I did to get to where I want to go and who I want to be.

My Story:
Part 1: My Pursuit of Happyness
Part 2: My Pursuit of Happyness

See my previous posts in this series:
Day 1: To Be A Better Man
Day 2: Healthy Competition Among Mature Men
Day 3: I HATE YOU
Day 4: SWAG, Do You Have It?
Day 5: Word of Advice
Day 6: 10 Important Life Lessons
Day 7: Unofficial Guide to Banking & Dating
Bonus: Previous Useful Posts

"I am the hero of the story. I don't need to be saved."
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Tags:
  • success stories
  • getting a job

Comments

Rambo's picture

So did you ever contact/run

Rambo
     
 
(Baboon, 150
 
Points)
 on 5/29/12 at 8:39pm

So did you ever contact/run into your ex?

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Gate_Crasher's picture

Good Job !

Gate_Crasher
      IB
 
(Senior Baboon, 187
 
Points)
 on 5/29/12 at 8:44pm

Good Job !

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Human's picture

Rambo: So did you ever

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 8:50pm
Rambo:

So did you ever contact/run into your ex?

No, I have not talked to my ex.

"I am the hero of the story. I don't need to be saved."

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blueslord2910's picture

Always always follow your

blueslord2910
     
 
(Senior Baboon, 227
 
Points)
 on 5/29/12 at 8:51pm

Always always follow your post! I am from middle class family in a developing country as well, may even mean poor in the US. Got scholarship and worked 40hrs a week, that is why I am still here in the US. I hope I could end up with a job too.

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Downeasta's picture

I'd give you 100 silver

Downeasta
      IB
 
(Senior Baboon, 244
 
Points)
 on 5/29/12 at 9:08pm

I'd give you 100 silver bananas if I could. Proud of you, man.

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GoW's picture

Very motivational story.

GoW
      IB
 
 
(Orangutan, 326
 
Points)
 on 5/29/12 at 9:14pm

Very motivational story. Thank you. I hope all of your friends and family are proud of you and appreciate you.

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Gate_Crasher's picture

Rambo: So did you ever

Gate_Crasher
      IB
 
(Senior Baboon, 187
 
Points)
 on 5/29/12 at 9:15pm
Rambo:

So did you ever contact/run into your ex?

Why would he want to do that ?
Revenge is for little babies and showing her how he is better now is practice is futility.

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Brady4MVP's picture

Amazing post. I got a bit

Brady4MVP
      HF
 
(Neanderthal, 3,161
 
Points)
 on 5/29/12 at 9:18pm

Amazing post. I got a bit emotional when reading this. Although I did not have the same adversity as the OP, I can empathize with his struggles. Incredible story and mad props to you.

I'm curious to know more about your writings on dating and the type of advice you have given to your friends. Social life is one area where I'm struggling immensely.

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Human's picture

Brady4MVP: Amazing post. I

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 9:37pm
Brady4MVP:

Amazing post. I got a bit emotional when reading this. Although I did not have the same adversity as the OP, I can empathize with his struggles. Incredible story and mad props to you.

I'm curious to know more about your writings on dating and the type of advice you have given to your friends. Social life is one area where I'm struggling immensely.

Hi Brady, if you were interested you can look at my blog: http://thesummereffects.com/. Everything has been indexed accordingly. I have written most of the materials and have properly referenced whenever I am using other people's materials. I also write for http://www.menspsychology.com/.

In term of dating advice, especially for friends who are having troubles getting a girlfriend, I help them go through two processes: 1) Inner Game and 2) Outer Game.

Inner Game: I actually spend a lot of time talking to them to solidify what they want in their lives. I talk to them about everything other than dating. This is because I believe that without building a strong character, without being happy with one's career, without being financial responsible and without having a healthy lifestyles, you cannot really address any of the dating issues. Teaching someone how to attract someone (like Pick Up Artists) without addressing other important areas of life would not be effective.

Outer Game: For this, I actually focus more on teaching people how to communicate. Also on how to view things from the female's perspective. I also encourage them on Public Speaking courses like http://www.toastmasters.org/. I also refer them also to reading materials on non-verbal communication. I also personally take them out to shop for clothes that make them look good without breaking the bank. I also help to list out all the social events in town with a social calendar, where they can practice their communication skill. I also offer advice where to go for a date, how to text and most importantly how to convert a casual dating into an official relationship.

"I am the hero of the story. I don't need to be saved."

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Human's picture

blueslord2910: Always always

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 9:45pm
blueslord2910:

Always always follow your post! I am from middle class family in a developing country as well, may even mean poor in the US. Got scholarship and worked 40hrs a week, that is why I am still here in the US. I hope I could end up with a job too.

If there is anything that I can do to help, do let me know.

"I am the hero of the story. I don't need to be saved."

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blueslord2910's picture

Human: blueslord2910: Alway

blueslord2910
     
 
(Senior Baboon, 227
 
Points)
 on 5/29/12 at 9:50pm
Human:
blueslord2910:

Always always follow your post! I am from middle class family in a developing country as well, may even mean poor in the US. Got scholarship and worked 40hrs a week, that is why I am still here in the US. I hope I could end up with a job too.

If there is anything that I can do to help, do let me know.

For sure. Are you going to the WSO conference? I am thinking of it!

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Human's picture

^^^Most likely, I would be

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 9:52pm

^^^Most likely, I would be able to make it.

"I am the hero of the story. I don't need to be saved."

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blueslord2910's picture

Human: ^^^Most likely, I

blueslord2910
     
 
(Senior Baboon, 227
 
Points)
 on 5/29/12 at 9:56pm
Human:

^^^Most likely, I would be able to make it.

^^ Cool

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AQM's picture

Congrats Human, you're the

AQM
      IB
 
(Orangutan, 331
 
Points)
 on 5/29/12 at 9:57pm

Congrats Human, you're the man!

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SlikRick's picture

Well done Human! The Pursuit

SlikRick
      CO
 
(Senior Orangutan, 455
 
Points)
 on 5/29/12 at 9:58pm

Well done Human! The Pursuit of Happyness is my favorite movie, and I definitely used it for strength when my job efforts were looking bleak. However, you're story is incredible! Looking forward to reading Part 2. I wish you the best of luck in your current and future endeavors.

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RagnarDanneskjold's picture

Awesome stuff, +1!

RagnarDanneskjold
      HF
 
(King Kong, 1,031
 
Points)
 on 5/29/12 at 10:03pm
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chipmunk's picture

do you have a book deal yet?

chipmunk
      O
 
(Senior Chimp, 24
 
Points)
 on 5/29/12 at 10:06pm
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jpmoranmonkeysachs's picture

This truly inspired me!!

jpmoranmonkeysachs
     
 
(Baboon, 149
 
Points)
 on 5/29/12 at 10:11pm
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MissNG's picture

No wonder your

MissNG
      O
 
(Senior Baboon, 190
 
Points)
 on 5/29/12 at 11:29pm

"Dont compromise yourself; you're all you've got" - Janis Joplin

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Febreeze's picture

"That day, I took a day off

Febreeze
     
 
(King Kong, 1,151
 
Points)
 on 5/29/12 at 11:34pm

RIP WSO Chat.

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Futures Trader Man's picture

Very touching post. Thanks

Futures Trader Man
      IB
 
(Orangutan, 299
 
Points)
 on 5/29/12 at 11:57pm

"Well, you know, I was a human being before I became a businessman." -- George Soros

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Human's picture

febreeze: "That day, I took a

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/29/12 at 11:58pm

"I am the hero of the story. I don't need to be saved."

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Febreeze's picture

Congrats, man. Glad

Febreeze
     
 
(King Kong, 1,151
 
Points)
 on 5/30/12 at 12:04am

RIP WSO Chat.

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Soldier of Fortune's picture

Good for you man.

Soldier of Fortune
     
 
(Monkey, 62
 
Points)
 on 5/30/12 at 12:21am
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Toronto's picture

That's an amazing story. I

Toronto
     
 
(Senior Baboon, 180
 
Points)
 on 5/30/12 at 1:50am
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UFOinsider's picture

DUUUUDE you're the man. Bonus

UFOinsider
      O
 
(Human, 10,347
 
Points)
 on 5/30/12 at 9:20am

YOU JUST GOT TROLLED
http://www.troll.me/images/red-foreman322/dont-you...

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xc48cross's picture

Awesome story, way to beat

xc48cross
     
 
(Senior Baboon, 233
 
Points)
 on 5/30/12 at 10:05am
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Johnny Ringo's picture

Great great story my man.

Johnny Ringo
      HF
 
(Senior Orangutan, 474
 
Points)
 on 5/30/12 at 10:31am

Eventus stultorum magister.

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manbearpig's picture

Great post, and congrats on

manbearpig
      CO
 
 
(Neanderthal, 3,029
 
Points)
 on 5/30/12 at 10:45am

-MBP

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Human's picture

Johnny Ringo: Not to be a

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:08am

"I am the hero of the story. I don't need to be saved."

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Human's picture

UFOinsider: DUUUUDE you're

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:10am

"I am the hero of the story. I don't need to be saved."

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ram15's picture

Great story man, I'm glad

ram15
      IB
 
(Senior Monkey, 95
 
Points)
 on 5/30/12 at 11:14am
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Human's picture

Gate_Crasher: Good Job

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:36am

"I am the hero of the story. I don't need to be saved."

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Human's picture

Downeasta: I'd give you 100

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:37am

"I am the hero of the story. I don't need to be saved."

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Human's picture

God of Wine: Very

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:40am

"I am the hero of the story. I don't need to be saved."

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Human's picture

SlikRick: Well done Human!

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:41am

"I am the hero of the story. I don't need to be saved."

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Human's picture

RagnarDanneskjold: Awesome

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:41am

"I am the hero of the story. I don't need to be saved."

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Human's picture

MissNG: No wonder your

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 5/30/12 at 11:44am

"I am the hero of the story. I don't need to be saved."

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MonyetProboscis's picture

Awesome story! Stories and

MonyetProboscis
     
 
(Chimp, 8
 
Points)
 on 5/30/12 at 12:19pm
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heintzst's picture

It sounds to me as if

heintzst
     
 
(Chimp, 10
 
Points)
 on 5/30/12 at 2:24pm
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TheKid1's picture

Great fuckin story truly

TheKid1
      IB
 
(Senior Gorilla, 855
 
Points)
 on 5/30/12 at 6:01pm
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Amphipathic's picture

Really awesome story, thanks

Amphipathic
     
 
(Senior Gorilla, 758
 
Points)
 on 5/30/12 at 8:39pm
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Ultima-RDK's picture

Awesome, always love reading

Ultima-RDK
      CD
 
 
(Orangutan, 305
 
Points)
 on 5/31/12 at 12:13am

Sometimes lies are more dependable than the truth.

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gstackle32's picture

Amazing story,

gstackle32
      O
 
 
(Gorilla, 500
 
Points)
 on 6/3/12 at 7:15pm
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mdk6c's picture

It's a nice story. A little

mdk6c
     
 
(Baboon, 166
 
Points)
 on 6/5/12 at 9:31am
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Do what I gotta do's picture

I was given so much more than

Do what I gotta do
     
 
(Monkey, 53
 
Points)
 on 6/5/12 at 2:54pm
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APAE's picture

Phenomenal story. Very

APAE
     
 
(Neanderthal, 3,660
 
Points)
 on 6/5/12 at 11:36pm

A lot of people do certain things to add days to their life. I do things to add life to my days.

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Human's picture

MonyetProboscis: Awesome

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 6/20/12 at 10:39am

"I am the hero of the story. I don't need to be saved."

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Human's picture

TheKid1: Great fuckin story

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 6/20/12 at 10:39am

"I am the hero of the story. I don't need to be saved."

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Human's picture

Amphipathic: Really awesome

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 6/20/12 at 10:40am

"I am the hero of the story. I don't need to be saved."

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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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    80k student debt for target
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This is the reaction any analyst who has ever worked in banking has when you say you want to leave banking for business school then come back as a post b school associate... <img src="http://epicpinterestfail.com/wp-content/uploads/2012/11/how-i-met-your-mother-barney-why.gif"...
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