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Wall Street Oasis » Forums » WSO Success Stories
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Goodbye JC100021, Hello Military_MBA_Banker
 

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MPG's picture
MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 9:08am
Military_Banker

Hello WSO Members,

I recently changed my WSO handle from JC100021 to this. You might also notice I went from Gorilla to King Kong & Certified User overnight. Below is an explanation why, but I want to first state that my aim now is to help people looking to change careers through an MBA, especially military guys (though all walks of life welcome).

Long story short, I have been on WSO since early 2007, when it was "ibankingoasis.com." I raked up about 600 bananas, and then after feeling I may have lost my anonymity, made a completely random name "JC100021" to start fresh. My initials aren't JC, I literally hit the keyboard with my eyes closed and that is what came out.

When I first started using this site, I was a brand new officer in the military with no idea what banking or PE was. I found the site by Googling "how to get into investment banking"

I asked the site moderator to allow me to take my credits & bananas from my old account, and add them to my new account, and for certified user status because I felt I could contribute from my past experiences.

My story:

I grew up in NYC and came from a family of civil servants with no idea about finance or Wall Street. I thought my friend going to Wharton undergrad to study business was a sucker because being an entrepreneur was so risky (because obviously, business means starting your own business). I thought I was the shit for getting into Rose-Hulman and RPI for engineering, because that is where the money was (shows how little I knew in High School).

So I go to a U.S. Service Academy, get my commission as an officer in the military, and earn a degree in engineering.

Let me squash any notions you might have about me—I was not a grunt, a ground pounder, a trigger puller. I was not a SEAL, a Ranger, and PJ, or any type of Special Forces nut. Those guys are the real heroes. I spent my first 3 years sitting behind a desk managing weapons Research & Development. Don’t get me wrong, it was cool stuff, and got to travel to a lot of sites. I even earned a Masters Degree in engineering while working. I did a year in Iraq, but it was as an intelligence guy working in the main headquarters—more like a bank that one would think. Ironically, my deployment consisted of 120 hour weeks of making spreadsheets and slides, and printing 100-page handouts 20 minutes before a meeting and then having to switch the 37th page for 20 copies because my boss wanted to make a pen and ink change at the last minute. Meetings with the Generals were like pitches where the General was the CEO, the Colonels were MDs and I was an Associate keeping my mouth shut, even though I wrote all of the content. My enlisted who were there before I was were like Analysts who knew more than I did, but after 3-6 months I knew more about doing the job and the “big picture” than they did, and I was checking their work.

Rewind back to about 6 months after I graduated the Academy. I met an investment banker while sitting in an airport coming home from a contractor site. I thought he was a stock trader, because that is what they do on Wall Street, right? Well he gave me a quick dose of what bankers did—taking companies public, advising on mergers and acquisitions, managing LBOs for private equity investors. I realized that banking was about grinding out crazy hours and making a lot of money, and not nearly as risky as some other parts of the finance career fields. This lack of risk attracted me. I also liked that I could work in an industry group, and over 10 years or so make it to the SVP/MD level becoming an expert in that industry.

So, I looked into banking online and found this site. Then I learned about PE…..and how I probably was not going to get into it because I wasn’t informed in high school like my friend who went to Wharton. Oh well, what can you do. I still see myself trying for it but I am not holding my breath.

So, where were we…oh that’s right I am 6 months into a 5 year commitment in the military and I already know I want to do Investment Banking 4.5 years into the future. I was enrolled in a part-time MBA program at the time, and was sad about it, but WSO convinced me I needed a top MBA. I dropped the program, but I think the MBA primers I took in finance, accounting, management, and econ were very helpful later in the future when applying to top MBA programs.

At this time I planned my whole approach. I wanted to get into banking, and for that I needed a top MBA. My next 4 years were “Operation: Get accepted into a top MBA”. I had an uphill battle. I took the GMAT previously for the hell of it and scored a 480 (33rd percentile). My undergrad GPA was under a 3.0. I was not in the sexiest of military jobs, working with civilians and no soldiers reporting to me, when other guys had whole platoons/flights underneath them.

I had to kick ass in my job, do something to cover up my undergrad GPA, and rock the GMAT. I ended up getting a Masters in engineering while working full time, graduated with a perfect 4.0 GPA, got a 720 gmat score after 2 additional attempts (and months of painful preparation), and by getting my Masters in engineering combined with the MBA primers I took I was able to do better in my job as an engineering manager. I won professional awards and was the top ranked junior officer in my unit. This was all done just 2.5 years after I decided I wanted to be a banker. For those of you keeping up, I had 3 years in at this point.

Deciding I wanted to do something more meaningful, I volunteered for a deployment to Iraq. I thought “I need to escape the desk.” Joke was on me. I volunteered blindly for a job without know where, or what I would be doing. I ended up in headquarters pushing paper—just with the occasional rocket flying overhead.

So, I have my “transformational” experience in the sandbox while at the same time applying to business schools. I hired Stacy Blackman and went 2/4, dinged at HBS/Wharton and accepted to Booth/Columbia. I also got into Darden & NYU on my own. For many reasons previously stated on this site, I chose CBS. For reasons I won’t bore you with, I had to defer a year due to the military being unclear about my retention. Now I am finishing my time and about to start school in the fall.

This is a long time coming, but I am realizing a goal I have had for close to 5 years. I got a lot of advice and help from people on this site, and now rather than just asking questions, I want to start helping others in a similar position I was in.

So, PM me, reply to this post, whatever. I can talk about the military, engineering, GMAT prep, MBA applications, career changing, mapping out goal setting, and my recently discovered talent, networking like a motherfu*ker. I am not a consultant, I don’t want money, I just want to help…a Banana or two is always appreciated though ;)

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Ske7ch's picture

Great story (I read it all

Ske7ch
      O
 
(Senior Orangutan, 473
 
Points)
 on 2/24/11 at 9:24am

Great story (I read it all the way through).

Congratulations on getting into Columbia.

- Bulls make money. Bears make money. Pigs get slaughtered.
- The harder you work, the luckier you become.
- I believe in the "Golden Rule": the man with the gold rules.

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JimmyDormandy's picture

SB to you sir. First and

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 2/24/11 at 9:27am

SB to you sir.

First and foremost, thank you for your service – and don’t ever downplay the fact you weren’t a SEAL, what you did was just as important. Given your superb planning and execution, I am positive you will have an extremely rewarding future. It is very inspiring to see people reach their goals, regardless of the odds. CBS will be a wonderful experience, succeed there as you have in your other endeavors and I don’t see you ever having a problem scoring a gig in banking.

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

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happypantsmcgee's picture

Good write up man, congrats

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/24/11 at 9:30am

Good write up man, congrats again.

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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David_Puddy's picture

Congrats on your acceptance.

David_Puddy
      O
 
(Baboon, 154
 
Points)
 on 2/24/11 at 9:45am

Congrats on your acceptance. That is a great write up.

"yeah, thats right" High-Five

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SAC's picture

Great story man. You've been

SAC
      HF
 
(King Kong, 1,171
 
Points)
 on 2/24/11 at 9:47am

Great story man. You've been working your butt off for so long, glad to see its finally paying off.

Learn Financial Modeling
Interview Guides
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rbkchoi's picture

Congratulations!

rbkchoi
      O
 
(Baboon, 160
 
Points)
 on 2/24/11 at 9:47am

Congratulations!

It's what you put into it

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LIBOR's picture

Excellent story. Glad to see

LIBOR
      EN
 
(Neanderthal, 2,156
 
Points)
 on 2/24/11 at 9:50am

Excellent story. Glad to see you're now certified. +1 SB

looking for that pick-me-up to power through an all-nighter?

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Mzz's picture

Inspirational. +1

Mzz
      O
 
 
(King Kong, 1,506
 
Points)
 on 2/24/11 at 10:04am

Inspirational. +1

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Aggravate's picture

Beat navy. Beat air

Aggravate
      O
 
(Senior Baboon, 227
 
Points)
 on 2/24/11 at 10:18am

Beat navy.

Beat air force.

Otherwise I have no concerns.

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MPG's picture

For the sake of not giving

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 10:20am

For the sake of not giving away what service I am in (for anonymity reasons), I cannot agree or disagree with the above statement.

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MPG's picture

BTW, it is Sink Navy, Beat

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 10:20am

BTW, it is Sink Navy, Beat Air Force, Beat Army

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Ben Shalom Bernanke's picture

+1 SB. Thanks for your

Ben Shalom Bernanke
      AM
 
 
(King Kong, 1,423
 
Points)
 on 2/24/11 at 10:40am

+1 SB.

Thanks for your service and Congrats on Columbia.

Talk a little bit about your GMAT prep. What service did you use? Strategies?

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Aggravate's picture

After four years of freezing

Aggravate
      O
 
(Senior Baboon, 227
 
Points)
 on 2/24/11 at 10:48am

After four years of freezing my ass off in a Veteran's stadium parking lot at 7 AM, waiting to go inside for a 2 PM game or getting hazed in the "Beat Navy" tunnel I'm 100% sure its beat navy. Beat 'em with a stick.

I guess that rules out the king of service academies. So you are either a lazy cowardly zoomie, a filthy smelly squid, a glorified lifeguard or even worse one of those merchant marine academy people.

Plus who would want to sink navy, those ships are awesome. Hot food in an officers only mess, beds with sheets, total safety at all times, chicks walking around,aviators with cases of booze hidden in the officers only quarters and the occasional marine I can give a barely usable hand-me-down item to that he will thank me for. I've been on Caribbean cruises that weren't as nice as the 3 days I got to spend on a Nimitz class carrier.

Jokes aside, congratulations on the acceptances.

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cphbravo96's picture

Great post man. I'm just

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,006
 
Points)
 on 2/24/11 at 10:56am

Great post man. I'm just glad I knew you before you were famous!!

Regards

"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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technoviking's picture

congratulations man.

technoviking
      O
 
(Senior Baboon, 234
 
Points)
 on 2/24/11 at 11:06am

congratulations man. definitely gives me hope of achieving 700+ GMAT despite an average GPA + NonTarget. Good Luck

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MPG's picture

Ben Shalom Bernanke wrote: +1

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 11:09am
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Dr Joe's picture

Congrats! And thank you for

Dr Joe
      O
 
 
(Senior Gorilla, 986
 
Points)
 on 2/24/11 at 11:09am
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CaptK's picture

JC/Military_MBA_Banker -

CaptK
      PE
 
 
(Neanderthal, 2,344
 
Points)
 on 2/24/11 at 11:19am

- Capt K -
"Prestige is like a powerful magnet that warps even your beliefs about what you enjoy. If you want to make ambitious people waste their time on errands, bait the hook with prestige." - Paul Graham

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007's picture

Great post and congrats on

007
      O
 
(Senior Chimp, 20
 
Points)
 on 2/24/11 at 11:53am
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GOB's picture

You just motivated me to

GOB
      IB
 
(Senior Orangutan, 433
 
Points)
 on 2/24/11 at 12:02pm
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happypantsmcgee's picture

JC/Military_MBA, You got 6

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/24/11 at 12:02pm

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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MPG's picture

happypantsmcgee

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 12:06pm
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Gekko21's picture

SB for you sir! I bet the

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 2/24/11 at 12:18pm

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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whateverittakes's picture

Bro, you are by far the most

whateverittakes
      IB
 
(King Kong, 1,056
 
Points)
 on 2/24/11 at 12:20pm
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MPG's picture

whateverittakes wrote: Bro,

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 12:23pm
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happypantsmcgee's picture

Military_MBA_Banker

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/24/11 at 12:31pm

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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whateverittakes's picture

Military_MBA_Banker

whateverittakes
      IB
 
(King Kong, 1,056
 
Points)
 on 2/24/11 at 12:35pm
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MPG's picture

happypantsmcgee

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 12:36pm
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porter9900's picture

Inspirational story.

porter9900
      IB
 
(Baboon, 130
 
Points)
 on 2/24/11 at 12:47pm
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MPG's picture

I served in a Joint HQ--I

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 12:49pm
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happypantsmcgee's picture

Military_MBA_Banker

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/24/11 at 12:56pm

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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txjustin's picture

Awesome story! Now I just

txjustin
      O
 
(Neanderthal, 2,447
 
Points)
 on 2/24/11 at 1:04pm
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Ben Shalom Bernanke's picture

happypantsmcgee wrote: Can't

Ben Shalom Bernanke
      AM
 
 
(King Kong, 1,423
 
Points)
 on 2/24/11 at 1:14pm
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Ben Shalom Bernanke's picture

Military MBA, Thanks for the

Ben Shalom Bernanke
      AM
 
 
(King Kong, 1,423
 
Points)
 on 2/24/11 at 1:15pm
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MPG's picture

Ben Shalom Bernanke

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 1:17pm
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happypantsmcgee's picture

Ben Shalom Bernanke

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/24/11 at 1:17pm

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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MPG's picture

Awwww they took me off the

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/24/11 at 2:22pm
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Aragorn's picture

.

Aragorn
     
 
(Orangutan, 335
 
Points)
 on 2/24/11 at 5:36pm

"Rage, rage against the dying of the light." - DT

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Aragorn's picture

Thank you for sharing your

Aragorn
     
 
(Orangutan, 335
 
Points)
 on 2/24/11 at 5:35pm

"Rage, rage against the dying of the light." - DT

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blue4you's picture

Military_MBA_Banker

blue4you
     
 
(Monkey, 46
 
Points)
 on 2/25/11 at 5:11pm
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bfin's picture

happypantsmcgee wrote: Ben

bfin
      CF
 
(Neanderthal, 2,772
 
Points)
 on 2/25/11 at 5:32pm

The answer to your question is 1) network 2) get involved 3) beef up your resume 4) repeat -happypantsmcgee

WSO is not your personal search function.

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bfin's picture

MBA banker now what do I call

bfin
      CF
 
(Neanderthal, 2,772
 
Points)
 on 2/25/11 at 5:34pm

The answer to your question is 1) network 2) get involved 3) beef up your resume 4) repeat -happypantsmcgee

WSO is not your personal search function.

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MPG's picture

blackfinancier wrote: MBA

MPG
      PE
 
 
(King Kong, 1,224
 
Points)
 on 2/26/11 at 6:02pm
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D M's picture

Great story man, looking

D M
      O
 
(Senior Neanderthal, 4,812
 
Points)
 on 2/27/11 at 7:59pm

"WSO is like the 300 for anti spamage. None shall pass." -happypantsmcgee
"You stop being an asshole when it sucks to be you." -IlliniProgrammer

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thekingwillwhip's picture

Great story. You sound like a

thekingwillwhip
     
 
(Senior Monkey, 74
 
Points)
 on 4/16/11 at 11:39am
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Medida's picture

Wow definitely very

Medida
     
 
(Chimp, 6
 
Points)
 on 10/11/11 at 9:01pm
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beamer4567's picture

Not sure if you are still

beamer4567
     
 
(Chimp, 1
 
Points)
 on 12/18/12 at 2:28am
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RedWood's picture

nice see a fellow service

RedWood
      O
 
(Senior Chimp, 16
 
Points)
 on 12/21/12 at 3:16am
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Udechukwu's picture

Very inspirational. Thanks

Udechukwu
      RE
 
(Monkey, 62
 
Points)
 on 3/5/13 at 9:38pm

Ordinary guy. Extraordinary mindset.

I had a flair for languages. But I soon discovered that what talks best is dollars, dinars, drachmas, rubles, rupees and pounds fucking sterling.

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TheTwoHacker's picture

Great story. Always

TheTwoHacker
     
 
(Monkey, 38
 
Points)
 on 3/26/13 at 2:16am
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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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