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Wall Street Oasis » Forums » I-Banking Bullpen
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25 Things I’ve Learned In My 20s
 

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FlakieBear's picture
FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/12/12 at 1:00am
learned in my 20s.jpg

1- You can’t date a jerk and expect to turn them into a good person. Jerks are fully committed to being unpleasant. Those brief moments of tenderness they give you are designed to trip you up and give you false hope. It’s best to stay away altogether.

2- The rumors are true: your metabolism does slow down as you get older! That means if you’re still eating whatever you want, there’s a good chance you’ll start to gain an awkward amount of weight. It won’t be too drastic but your clothes will start to hang differently on your body and you’ll feel an overall feeling of unattractiveness. Start to be conscious of what you eat and strive to live a healthier lifestyle if you want to get your teen body back. (Let’s be real though, that might not ever come back.)

3-You’re going to lose touch with a lot of your friends. With some people, it will be expected but with others it will feel like a punch to the stomach. No friendship is truly safe in your twenties. You’re undergoing so many personal and professional changes that there’s bound to be some casualties along the way. Don’t worry though. You’ll end up with the ones that matter. If someone’s no longer in your life, it’s for a reason.

4- You’ll be jealous of everyone who’s more successful than you. That’s okay. Just transfer that jealousy into something productive, like working really hard so you can one day eclipse them and make them feel jealous of YOU.

5-You’ll question every decision you make and never feel completely certain that you made the right choice. It’s pointless to wonder though. You’re here now so you might as well make it be the right decision.

6-You’re going to give your heart to a few people who don’t deserve it. Then, one day you’ll come to your senses and ask them to give it back.

7-You’ll see your parents get older. You’ll come home during Christmas break and see new lines developing on their faces. One day it’ll just hit you that your parents are old and going to die. There’s nothing you can do about it, besides treat them with kindness and visit as much as your budget permits.

8-You’ll have a boss who makes you feel like you’re nothing. It doesn’t have to be in a Devil Wears Prada way. The cruelty can be much more subtle. Don’t let them get to you though. They have no idea who the hell you really are and you’re probably going to have their job someday so…

9-Doing drugs is fun until it’s not, until it starts affecting your life in negative ways and leaves you feeling guilty and wrecked. If that happens, you should stop doing them.
You’re going to puke in public. It’s fine. No one cares. Just puke.

10- You’re going to puke in public. It’s fine. No one cares. Just puke.

11- You’ll know how to make twenty dollars last an entire week because you spent almost all of your paycheck on groceries at Whole Foods and drunk cab rides. This lesson in frugality will serve you well.

12- You’re going to betray your convictions. You’re going to feel shame. You’re going to continue to put yourself in situations that aren’t good for you. And then, slowly but surely, it will become less frequent. It might not ever go away completely but it won’t be as bad. In the meantime, stop shame spiraling about it. It gets you nowhere.

Power and Money do not change men; they only unmask them
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  • I-Banking Bullpen
FlakieBear's picture

CONTINUED ... 13- Loving

FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/11/12 at 4:51pm

CONTINUED ...

13- Loving yourself is hard. Hating yourself is harder.

14- You’re going to hook up with someone who you would never touch in the daylight sober. Just don’t freak out too much about it. Consider it to be your good deed for the day.

15- You’re going to have people in your life who are toxic. They may say that they love you, they may say that they have your back, but they don’t. Get rid of them.

16- You’ll have moments with someone that are so intense, it’ll feel like you’ve been electrocuted back to life. You’ll hold on to these moments for a long time. They’ll give you hope when you’re going through the motions.

17- You’ll always care about your first love. That doesn’t make you crazy, it just makes you human. When relationships end, it’s not so cut and dry. You carry everyone you’ve ever loved into every relationship thereafter.

18- You’ll enter your twenties as a fashion disaster and (hopefully) leave them looking fantastic. If you don’t know how to put yourself together by then, I really don’t know what to tell you.

19- You’ll realize that the Internet can be a cruel son of a bitch but, you know, www.whatever.com.

20 - So much of what you think matters doesn’t actually matter at all. It’s kind of rude. Like, thanks for making me believe in things that are ultimately so inconsequential, you jerk.

21- You’ll treat someone terribly. Whether it to be a lover or your friend, there’ll be someone whose feelings you take for granted. We focus too much on whether or not someone is hurting us. The reality is that we might actually be the one who’s hurting someone.

22- Doing “grown-up things” doesn’t make you a grown up. Shopping for housewares, buying a plant, embracing domesticity — these things don’t create maturity. If you’re still a baby who hasn’t figured things out, you’ll remain a baby, no matter how many times you pay your rent on time.

23- Don’t force yourself into loving anyone. If it’s not working in the beginning, it’s probably not going to work ever.

24- You are so lucky to have everything that you have. Stop crying about an unreturned text message and get some perspective.

25- Don’t go too long without having sex. Ever.

Enjoy the reading homies.

http://thoughtcatalog.com/2012/25-things-ive-learn...

Power and Money do not change men; they only unmask them

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BlackHat's picture

#7 and #16 will change your

BlackHat
      HF
 
 
(Senior Neanderthal, 4,949
 
Points)
 on 7/11/12 at 4:50pm

#7 and #16 will change your life.

And drugs will always be who I am, once the kids come I'll be singing a different tune I'm sure...

The rest... meh. They stopped applying by graduation.
I aged too quickly when I was younger. So sad.

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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sayandarula's picture

EXCELLENT post. i've

sayandarula
      O
 
(King Kong, 1,809
 
Points)
 on 7/11/12 at 5:43pm

EXCELLENT post. i've experienced plenty of these and i'm mid twenties, pushing late twenties.

hey mods, front page?

Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?

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sayandarula's picture

FlakieBear: 25- Don’t go too

sayandarula
      O
 
(King Kong, 1,809
 
Points)
 on 7/11/12 at 5:45pm
FlakieBear:

25- Don’t go too long without having sex. Ever.

OUCH.

+1 btw..

Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?

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DontMakeMeShortYou's picture

solid post. +1

DontMakeMeShortYou
      HF
 
 
(King Kong, 1,964
 
Points)
 on 7/11/12 at 5:56pm

solid post. +1

See my WSO Blog

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econ's picture

FlakieBear: 10- You’re going

econ
      O
 
 
(Neanderthal, 2,416
 
Points)
 on 7/11/12 at 5:59pm
FlakieBear:

10- You’re going to puke in public. It’s fine. No one cares. Just puke.

I did it in front of co-workers, my second week at a new company lol

For my aspiring Entrepreneurial Nomads, check out my blog.

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MrMonkey's picture

#7 and #16 +1

MrMonkey
      ST
 
(Senior Chimp, 21
 
Points)
 on 7/11/12 at 6:05pm

#7 and #16 +1

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sayandarula's picture

i should point out that your

sayandarula
      O
 
(King Kong, 1,809
 
Points)
 on 7/11/12 at 6:10pm

i should point out that your link has an American Appearal ad on the bottom that is a bit nsfw.

Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?

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Redroom's picture

Great post. Gonna send this

Redroom
      IB
 
(Senior Monkey, 72
 
Points)
 on 7/11/12 at 6:23pm

Great post. Gonna send this one around.

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Boreed's picture

Great post, can relate to

Boreed
      PE
 
(Senior Gorilla, 952
 
Points)
 on 7/11/12 at 7:37pm

Great post, can relate to each and every point.

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CanadianPositiveCarry's picture

FlakieBear: 2- The rumors

CanadianPositiv...
      IB
 
(Senior Orangutan, 462
 
Points)
 on 7/11/12 at 7:46pm
FlakieBear:

2- The rumors are true: your metabolism does slow down as you get older! That means if you’re still eating whatever you want, there’s a good chance you’ll start to gain an awkward amount of weight. It won’t be too drastic but your clothes will start to hang differently on your body and you’ll feel an overall feeling of unattractiveness. Start to be conscious of what you eat and strive to live a healthier lifestyle if you want to get your teen body back. (Let’s be real though, that might not ever come back.)
.

Yup agreed. But, that just means that you will have to hit the gym 100 X as hard as before. My dad and my grandpas both look like fucking beasts given that they are in their 50's and 70's respectively.

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rothyman's picture

Amazing. The first 10 or so I

rothyman
      HF
 
 
(King Kong, 1,163
 
Points)
 on 7/11/12 at 7:56pm

Amazing.

The first 10 or so I read are things that I can associate with recently. You're post is so accurate to reality it's almost unbelievable.

Some things that you mention that have hit home with me..
A) Seeing your parents get old.. sad and does put some 'pressure' on you as an individual to step your game up so you can take care of them/spend as much time with them as you can before they go..

B) Metabolism.. what a bitch this is. Yet some of my buddies still remain unaffected and have the metabolism of a 12 year old. What a bitch.

C) Drugs.. it's not like college anymore. Have one bad 'next day' experience in front of a client because of a drug binge the night before and you'll swear to have quit for life.. until the next time you decide 'it won't be a problem'.

D) Dressing.. I still have days where I struggle to find the right things in my closet

E) Grown up things.. you'll notice all these people around you (especially NYC) acting grown up and doing things that make them seem grownup.. yet they have no idea what it is to be a grown up. More than likely they have no responsibilities and are living on their parent's dime (again this is central to NYC.. especially women).

thx!

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FlakieBear's picture

econ: FlakieBear: 10-

FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/11/12 at 7:58pm
econ:
FlakieBear:

10- You’re going to puke in public. It’s fine. No one cares. Just puke.

I did it in front of co-workers, my second week at a new company lol

LOL what was the outcome? SMH

Power and Money do not change men; they only unmask them

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FlakieBear's picture

Thank you guys. I am glad

FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/11/12 at 8:00pm

Thank you guys. I am glad you enjoy the post.

Power and Money do not change men; they only unmask them

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FlakieBear's picture

rothyman: Amazing. The first

FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/11/12 at 8:09pm
rothyman:

Amazing.

The first 10 or so I read are things that I can associate with recently. You're post is so accurate to reality it's almost unbelievable.

Some things that you mention that have hit home with me..
A) Seeing your parents get old.. sad and does put some 'pressure' on you as an individual to step your game up so you can take care of them/spend as much time with them as you can before they go..

You are so on point. I think the hardest part in this whole process is when your parents get sick as they age.

My mom ages gracefully but she is having eyes problem because her incompetent doctor did not notice it or kept telling her that she was having eyes problem because she overworked herself and has fatigue.

Now all I keep thinking about is : will she be able to see my children?

I would love to take her on a trip spree. But how the heck will she see the beauty of the world if she is losing her sight. SMH.... things like that make me angry lol

Power and Money do not change men; they only unmask them

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econ's picture

FlakieBear: econ: FlakieB

econ
      O
 
 
(Neanderthal, 2,416
 
Points)
 on 7/11/12 at 8:14pm
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Onetwobit's picture

yep #7 for sure. only 22

Onetwobit
      CF
 
(Orangutan, 255
 
Points)
 on 7/11/12 at 8:25pm
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JimmyDormandy's picture

+1, solid post

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 7/11/12 at 8:27pm

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

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SanDiegoBolt's picture

#7 For sure. Went and visited

SanDiegoBolt
      O
 
(Senior Monkey, 72
 
Points)
 on 7/11/12 at 8:38pm
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TA2012's picture

Kind of a depressing post...

TA2012
     
 
(Senior Chimp, 16
 
Points)
 on 7/11/12 at 10:05pm
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Downtown's picture

Great post. A lot of these I

Downtown
      PE
 
(Senior Baboon, 179
 
Points)
 on 7/11/12 at 11:09pm
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cokeaddict's picture

What a coincidence - I was

cokeaddict
      IB
 
(Monkey, 45
 
Points)
 on 7/11/12 at 11:10pm
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Chocobo's picture

Great post! I can relate to

Chocobo
     
 
(Senior Baboon, 232
 
Points)
 on 7/11/12 at 11:59pm
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bankbank's picture

cokeaddict: What a

bankbank
     
 
(Senior Orangutan, 483
 
Points)
 on 7/12/12 at 2:19am
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HerSerendipity's picture

Love this. I'd add that the

HerSerendipity
      PE
 
 
(King Kong, 1,031
 
Points)
 on 7/12/12 at 2:52am
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BenedictPowers's picture

#7 is probably the most

BenedictPowers
      O
 
(Baboon, 101
 
Points)
 on 7/12/12 at 2:55am
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constipatedmonkey's picture

great post.. depressing (#7),

constipatedmonkey
     
 
(Chimp, 15
 
Points)
 on 7/12/12 at 4:05am
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Voltaire X's picture

bankbank: cokeaddict: What

Voltaire X
      ST
 
(Senior Monkey, 68
 
Points)
 on 7/12/12 at 5:02am
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melvvvar's picture

can we start a new forum for

melvvvar
     
 
(King Kong, 1,693
 
Points)
 on 7/12/12 at 8:37am
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pariahdog's picture

Could somebody please expand

pariahdog
     
 
(Senior Chimp, 28
 
Points)
 on 7/12/12 at 9:29am
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immaculatedx's picture

Jeez this has been all over

immaculatedx
     
 
(Senior Monkey, 67
 
Points)
 on 7/12/12 at 9:51am

"Know thyself"

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bonks's picture

Very relevant post and I

bonks
      CO
 
(Orangutan, 316
 
Points)
 on 7/12/12 at 11:30am

Nothing short of everything will really do.

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DontMakeMeShortYou's picture

immaculatedx: Jeez this has

DontMakeMeShortYou
      HF
 
 
(King Kong, 1,964
 
Points)
 on 7/12/12 at 11:01am

See my WSO Blog

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rjr16's picture

Great post. Very enlightening

rjr16
      PE
 
(Senior Chimp, 18
 
Points)
 on 7/12/12 at 11:26am
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onedumbmonkey's picture

How long is too long?

onedumbmonkey
     
 
(Senior Monkey, 84
 
Points)
 on 7/12/12 at 11:42am

"Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid"

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George87's picture

#3, 5, and 7. Great post,

George87
      IB
 
 
(Senior Baboon, 243
 
Points)
 on 7/12/12 at 11:48am
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Johnny Ringo's picture

But you're from Canada....so

Johnny Ringo
      HF
 
(Senior Orangutan, 474
 
Points)
 on 7/12/12 at 12:39pm

Eventus stultorum magister.

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Kools's picture

Doing Laundry is bullshit,

Kools
      O
 
(Senior Baboon, 223
 
Points)
 on 7/12/12 at 2:22pm
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cphbravo96's picture

sayandarula: i should point

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,006
 
Points)
 on 7/12/12 at 3:19pm

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so."
- Ronald Reagan

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BlackHat's picture

cphbravo96: sayandarula: i

BlackHat
      HF
 
 
(Senior Neanderthal, 4,949
 
Points)
 on 7/12/12 at 3:25pm

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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cphbravo96's picture

Couple things to add. First,

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,006
 
Points)
 on 7/12/12 at 4:25pm

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so."
- Ronald Reagan

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SC911's picture

i luv u

SC911
     
 
(Baboon, 118
 
Points)
 on 7/12/12 at 3:42pm
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Human's picture

Thanks FlakieBear. This is a

Human
      PE
 
 
(King Kong, 1,891
 
Points)
 on 7/12/12 at 3:43pm

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

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Aimez's picture

+1 Appreciate the post.

Aimez
      CO
 
(Orangutan, 291
 
Points)
 on 7/12/12 at 8:11pm
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neil joseph's picture

call me a 22 yr old ignorant

neil joseph
      PE
 
(Senior Baboon, 189
 
Points)
 on 7/12/12 at 8:52pm

"A man travels the world over in search of what he needs and returns home to find it." ~George Moore

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neil joseph's picture

hey and did i add..great

neil joseph
      PE
 
(Senior Baboon, 189
 
Points)
 on 7/12/12 at 8:54pm

"A man travels the world over in search of what he needs and returns home to find it." ~George Moore

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ivedtara's picture

Great points. I am in my late

ivedtara
      O
 
(Monkey, 62
 
Points)
 on 7/12/12 at 10:04pm

- Strategyard.com
Virtual Stock Exchange
Stock Market Game

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ws_dood's picture

I wish i was born today

ws_dood
     
 
(Chimp, 9
 
Points)
 on 7/12/12 at 10:19pm
  • 0
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SymphonyBanker's picture

Fellow ThoughtCatalog fan.

SymphonyBanker
     
 
(Baboon, 113
 
Points)
 on 7/12/12 at 11:36pm
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SymphonyBanker's picture

Fellow ThoughtCatalog fan.

SymphonyBanker
     
 
(Baboon, 113
 
Points)
 on 7/12/12 at 11:36pm
  • 0
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The contents of this Web Site, such as text, graphics, images, logos, button icons, software and other items (collectively, "Material"), are protected under both United States and foreign copyright, trademark and other laws. All Material is the property of the Company or its content suppliers or clients. The compilation (meaning the collection, arrangement and assembly) of all content on this Web Site is the exclusive property of the Company and protected by U.S. and international copyright laws. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright, trademark, service-mark and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

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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Highest Ranked Content

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I was writing an email to a fellow monkey who is about to start as a banking analyst in the summer. It's been a little over 5 yrs now since I was a wee young first-year analyst in restructuring for one of the Moelis/Houlihan/Evercore type firms (I call them the firms where most people will...
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