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Wall Street Oasis » Forums » WSO Success Stories
< previous | next >

How finance saved and gave me a life
 

paulydreamer's picture
paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 11/21/12 at 7:30am
life again.png

mod note (Andy): this was originally posted on 5/19/12

A week or two ago there was an article written about how your weight might inversely effect you during the hiring process. During the conversation I dropped some personal information about me losing 130 (now 135 pounds). I was PM’d by somebody asking me to tell my story. Well I have some free time and this story actually ties in to finance. So here we go!

I have always been large. I am 6’3 and hovered around 300 pounds. I was very active in football and weightlifting but I’d love to eat. My entire family is large so healthy living was unknown to me it was living. I wasn’t the best football player but I was getting attention from so mid-tier schools in Texas. I was popular and had no serious problems with my body image but no girlfriends.

Well one day in fall 2002 I went to a Best Buy to buy a new device called a DVD player. They were closing but let me in anyway. What happened after that changed my entire future. When I left the store I was involved in an “incident”. All of the soft tissue in my left knee was shredded and I was in the hospital for a week. I was out for the rest of the football season and unable to play ever again. I sank into a deep depression and just became just a big negative Nelly. Well I trained to become a Marine (even with one bad knee I could get approval). The Marines fell through also and I went into a deep dark hole and gained 150 lbs through college.

I cannot explain the self hatred I had for myself. It was a viscous cycle. I ate because I was depressed and was depressed because I lost control of my life and body. I would actually skip classes because I could not fit comfortable in the seats. Well this were finance helped changed my life back.

My finance professor called me to his desk and said he could tell I loved investments. After a little conversation about my goals he handed me a book called “The Intelligent Investor”. When I read it I knew exactly what I wanted to do. My life had purpose a direction. I could see myself in a nice suit making big investment decisions in some corner office. I wanted to be a PM. That coupled with a crush I had on a very special smart/ smart-ass girl was all the motivation I needed.

I adopted a rule that I called the “Nutritious and Delicious Rule”. I could eat anything I wanted if it was nutritious and delicious. I stuck to that rule no matter how much I craved Pizza (Delicious but not nutritious). I also watched my portions by using smaller plates. It was still a struggle but I wanted to be healthy and fit.

On the exercise front I researched High Intensity Interval Workouts (HIIW). So every morning I would do HIIW and a small circuit of free weights at my home gym. I could see myself getting fit as my intervals got longer and I could go harder. I felt great!!!

My overall goal was to get healthy to live a healthy life. When people asked me, “How is the diet?” I answered that it’s not a diet just eating right. As a side effect of my healthy living I began to lose weight. It just melted off I couldn’t buy clothes fast enough!!! Also, with the time a dedication EVERYTHING became easier. I didn’t want unhealthy foods their smell would ruin my appetite. I needed to work out my body would demand it. It was just so damn easy after 4 months of hell.

Losing this weight has been the greatest thing ever and I am still not done. Still I feel absolutely amazing and wear great suits and casual clothes every day. Also the ladies began to flirt which was something I never really exp. When I was losing all the weight girls began noticing me and I became very popular and a ladies’ man. However, one girl noticed me and took a strange interest in me. I had a crush on here since I met her. She was a PHD (PSY) student at Texas. We met through friends and after seeing me struggle not to eat a burger she used me in one of her research papers about obesity. We ended up dating and now we have been married for 3 months!

So choosing finance saved my life and gave me a life. I lost my old man to a heart attack and I don’t want history to repeat itself. I won’t stop till I’m 215. I plan on being Captain America for Halloween so that’s my goal.
Peace out WSO and thanks

Do not pray for easy lives. Pray to be stronger men.- JFK
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Tags:
  • weight loss
  • WSO Success Stories
TheKid1's picture

Great post man, congrats I

TheKid1
      IB
 
(Senior Gorilla, 856
 
Points)
 on 5/18/12 at 1:44pm

Great post man, congrats I really hope you land a good gig soon. Someone like you def deserves it. If i were in the position to help I would and give SB if I had but i don't.

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UFOinsider's picture

I love when people redeem

UFOinsider
      O
 
(Human, 10,349
 
Points)
 on 5/18/12 at 1:52pm

I love when people redeem themselves. I had a knee injury as well, and people don't understand how fucked up your brain becomes without exercise and a goal. I read "Trading for Dummies" while on disability, and that's what got me going. I also read that John Mack had an injury that took him out of sports/military as well, so maybe it's for the best. You're a bit ahead of me with regaining your health (I took up drinking and smoking, still recovering) so this is an inspiration.

Good luck man, I really wish you the best and if you're in NYC, hit me up and we'll get drinks....lite beer works for me.

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

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paulydreamer's picture

TheKid1: Great post man,

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 1:52pm
TheKid1:

Great post man, congrats I really hope you land a good gig soon. Someone like you def deserves it. If i were in the position to help I would and give SB if I had but i don't.

Thanks man that means a lot. I'll give ya one. We are a group here and we get stronger the more we share our own exp in life and finance (sometimes they mix).

Do not pray for easy lives. Pray to be stronger men.- JFK

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paulydreamer's picture

UFOinsider: I love when

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 1:59pm
UFOinsider:

I love when people redeem themselves. I had a knee injury as well, and people don't understand how fucked up your brain becomes without exercise and a goal. I read "Trading for Dummies" while on disability, and that's what got me going. I also read that John Mack had an injury that took him out of sports/military as well, so maybe it's for the best. You're a bit ahead of me with regaining your health (I took up drinking and smoking, still recovering) so this is an inspiration.

Good luck man, I really wish you the best and if you're in NYC, hit me up and we'll get drinks....lite beer works for me.

UFO its a date btw I might need a place to crash :) Yeah knee injuries are hard to over come physically and mentally. I tore my meniscus (same knee) last September and I still walk with a limp if I sit longer than an hour. Also, havent golfed since July as I am worried the torgue might re-tear it. When I saw the doctor he looked at me and said , "Hey big guy (I HATE THAT) you need to drop some weight" I laughed because he had no idea.

Do not pray for easy lives. Pray to be stronger men.- JFK

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streetwannabe's picture

Injuries suck. I was sort of

streetwannabe
      AM
 
(King Kong, 1,338
 
Points)
 on 5/18/12 at 2:07pm

Injuries suck. I was sort of like you (not weight wise), but I played soccer all my life and skied. Tore my MCL senior year of soccer (out for the season).I recovered with hopes of college soccer which highly dictated which school I ended up going to. Turns out, blew out my entire knee again skiing (same one) and had surgery. As a result, fired from my job and was very depressed. Recovered again, preseason in college I tore my meniscus in the same knee again. Had a surgery (go to school 1500 miles away from home) which was really tough with school. Couldn't walk on my own for nearly a month and earned terrible marks (2.6). Got better; following summer, tore my meniscus again in summer league while preparing for fall college soccer.

Sounds terrible, but as a result, I said fuck soccer. Since that year when my cum. GPA was 2.9 and had my scholarship revoked and then cut after appeal, have been getting 3.8s and hopefully on my way to finding an IB job next summer after I graduate.

Sometimes the worst things in life are really a blessing in disguise. Great story man. +1

Regards.

"History doesn't repeat itself, but it does rhyme."

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UFOinsider's picture

paulydreamer: UFOinsider: I

UFOinsider
      O
 
(Human, 10,349
 
Points)
 on 5/18/12 at 2:06pm
paulydreamer:
UFOinsider:

I love when people redeem themselves. I had a knee injury as well, and people don't understand how fucked up your brain becomes without exercise and a goal. I read "Trading for Dummies" while on disability, and that's what got me going. I also read that John Mack had an injury that took him out of sports/military as well, so maybe it's for the best. You're a bit ahead of me with regaining your health (I took up drinking and smoking, still recovering) so this is an inspiration.

Good luck man, I really wish you the best and if you're in NYC, hit me up and we'll get drinks....lite beer works for me.

UFO its a date btw I might need a place to crash :) Yeah knee injuries are hard to over come physically and mentally. I tore my meniscus (same knee) last September and I still walk with a limp if I sit longer than an hour. Also, havent golfed since July as I am worried the torgue might re-tear it. When I saw the doctor he looked at me and said , "Hey big guy (I HATE THAT) you need to drop some weight" I laughed because he had no idea.

Man, avoid anything that's going to set you back: IMO, sitting through more PE will do more damage to your career than skipping golf. Let me know ahead of time if you're out this way so I can line up a buddy's couch for you to crash on, I only work in NYC and commute, but yeah it's a date....no homo.

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

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paulydreamer's picture

@Streetwannabe I really do

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 2:12pm

@Streetwannabe

I really do think it was a gift now. At the time I hated my life. I loved football and would of had a full ride at some semi-target (no idea what that was at the time) now I was working 60 hours a week to pay tution at a non-target and raise my bros. Still, everyday I get to see my wife I know I came out on top (I hope she reads that lol)

Do not pray for easy lives. Pray to be stronger men.- JFK

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streetwannabe's picture

paulydreamer: @Streetwannabe

streetwannabe
      AM
 
(King Kong, 1,338
 
Points)
 on 5/18/12 at 2:17pm
paulydreamer:

@Streetwannabe

I really do think it was a gift now. At the time I hated my life. I loved football and would of had a full ride at some semi-target (no idea what that was at the time) now I was working 60 hours a week to pay tution at a non-target and raise my bros. Still, everyday I get to see my wife I know I came out on top (I hope she reads that lol)

I agree, if you're motivated by one thing that is taken away, you'll usually find something else to fill the void. In my case, I think it was a better thing since anyone could see that playing soccer in college is not really a long term life plan.

"History doesn't repeat itself, but it does rhyme."

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paulydreamer's picture

streetwannabe: paulydreamer

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 2:29pm
streetwannabe:
paulydreamer:

@Streetwannabe

I really do think it was a gift now. At the time I hated my life. I loved football and would of had a full ride at some semi-target (no idea what that was at the time) now I was working 60 hours a week to pay tution at a non-target and raise my bros. Still, everyday I get to see my wife I know I came out on top (I hope she reads that lol)

I agree, if you're motivated by one thing that is taken away, you'll usually find something else to fill the void. In my case, I think it was a better thing since anyone could see that playing soccer in college is not really a long term life plan.

Yes, I had a big hole in me when I lost football. In Texas HS football is religion and I actually was a big part of it. I filled the hole up with food but when I found finance it filled the void and had some serious postiive side effects on my life.

Do not pray for easy lives. Pray to be stronger men.- JFK

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Anacott_CEO's picture

Wow, absolutely awesome! Mad

Anacott_CEO
      CF
 
(King Kong, 1,259
 
Points)
 on 5/18/12 at 2:44pm

Wow, absolutely awesome! Mad props to you. +1

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paulydreamer's picture

Anacott_CEO: Wow, absolutely

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 3:24pm
Anacott_CEO:

Wow, absolutely awesome! Mad props to you. +1

It is awesome how easy it is after you get over the hump. It really helps your confindence aswell, I was shy now I don't shy away from being a leader.

Do not pray for easy lives. Pray to be stronger men.- JFK

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gstackle32's picture

Congratulations! being fit is

gstackle32
      O
 
 
(Gorilla, 500
 
Points)
 on 5/18/12 at 4:21pm

Congratulations! being fit is definitely one of the best confidence/self-esteem boosters.

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go.with.the.flow's picture

OP post your workout with

go.with.the.flow
      EN
 
(King Kong, 1,109
 
Points)
 on 5/18/12 at 5:08pm

OP post your workout with your meal plan

|| But feeling good and enjoying life are prerequisites to success, not by products of it- Midas Mulligan Magoo ||

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YE777's picture

I gained 15 kg this year and

YE777
     
 
(Senior Baboon, 182
 
Points)
 on 5/18/12 at 5:18pm

I gained 15 kg this year and your post inspired me a little.
thanks

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Genetic's picture

Good to hear OP. Had a

Genetic
     
 
(Senior Baboon, 185
 
Points)
 on 5/18/12 at 5:25pm

Good to hear OP. Had a similar catastrophic event while in college that really sent me into a spiral. But after deep reflection and a refocused mindset, it very much became a blessing in disguise. Besides the daily pain in my knee, I am still very thankful for what happened even though it seemed horrific at the time

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paulydreamer's picture

go.with.the.flow: OP post

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 6:01pm
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Do not pray for easy lives. Pray to be stronger men.- JFK

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paulydreamer's picture

YE777: I gained 15 kg this

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 6:34pm

Do not pray for easy lives. Pray to be stronger men.- JFK

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madmoney15's picture

I totally feel this story, it

madmoney15
     
 
(Orangutan, 331
 
Points)
 on 5/18/12 at 6:39pm

See my WSO Blog

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paulydreamer's picture

madmoney15: I totally feel

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/18/12 at 6:48pm

Do not pray for easy lives. Pray to be stronger men.- JFK

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pacman007's picture

Good stuff, Pauly. With that

pacman007
     
 
(Gorilla, 668
 
Points)
 on 5/18/12 at 11:09pm

"Don't quit. Suffer now and live the rest of your life as a Champion" - Muhammad Ali

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jgx101's picture

Great post, congrats on

jgx101
      IB
 
(Orangutan, 356
 
Points)
 on 5/19/12 at 12:36am
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streetwannabe's picture

jgx101: Great post, congrats

streetwannabe
      AM
 
(King Kong, 1,338
 
Points)
 on 5/19/12 at 12:47am

"History doesn't repeat itself, but it does rhyme."

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melvvvar's picture

tl;dr

melvvvar
     
 
(King Kong, 1,693
 
Points)
 on 5/19/12 at 1:03am
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twobitpirate's picture

amen brother. finance is the

twobitpirate
      IB
 
(Senior Chimp, 21
 
Points)
 on 5/19/12 at 2:22am
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Hooked on LEAPS's picture

Don't take this the wrong

Hooked on LEAPS
      ER
 
(Senior Gorilla, 778
 
Points)
 on 5/19/12 at 3:02am

You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist. - Friedrich Nietzsche

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YE777's picture

Hooked on LEAPS: Don't take

YE777
     
 
(Senior Baboon, 182
 
Points)
 on 5/19/12 at 3:06am
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Hooked on LEAPS's picture

YE777: Hooked on

Hooked on LEAPS
      ER
 
(Senior Gorilla, 778
 
Points)
 on 5/19/12 at 3:32am

You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist. - Friedrich Nietzsche

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Kanon's picture

Amazing story OP! SB'd

Kanon
      O
 
(King Kong, 1,504
 
Points)
 on 5/19/12 at 5:10am
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Angus Macgyver's picture

Wait, so... What do you weigh

Angus Macgyver
      IB
 
(Gorilla, 716
 
Points)
 on 5/19/12 at 5:29am
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paulydreamer's picture

Wow I made it to main WSO!

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/19/12 at 9:56am

Do not pray for easy lives. Pray to be stronger men.- JFK

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Maximus Decimus Meridius's picture

This is the kind os story I

Maximus Decimus...
      ST
 
 
(Gorilla, 631
 
Points)
 on 5/19/12 at 12:16pm
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paulydreamer's picture

Maximus Decimus

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/19/12 at 1:40pm

Do not pray for easy lives. Pray to be stronger men.- JFK

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Neighbor's picture

SB'd, awesome post...just as

Neighbor
      IB
 
(King Kong, 1,236
 
Points)
 on 5/20/12 at 1:57pm

I didn't say it was your fault, I said I was blaming you.

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hdavid57's picture

I'd like to echo what

hdavid57
      O
 
(Senior Orangutan, 439
 
Points)
 on 5/21/12 at 1:15am

Howard Schwartz

See my WSO blog

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paulydreamer's picture

I wasnt expecting this kind

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/21/12 at 9:45am

Do not pray for easy lives. Pray to be stronger men.- JFK

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Johnny Ringo's picture

twobitpirate: amen brother.

Johnny Ringo
      HF
 
(Senior Orangutan, 474
 
Points)
 on 5/22/12 at 8:45am

Eventus stultorum magister.

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mdk6c's picture

the kids that post on this

mdk6c
     
 
(Baboon, 166
 
Points)
 on 5/22/12 at 11:15am
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Amphipathic's picture

Great story, thanks for

Amphipathic
     
 
(Senior Gorilla, 764
 
Points)
 on 5/23/12 at 12:32am
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UFOinsider's picture

mdk6c: the kids that post on

UFOinsider
      O
 
(Human, 10,349
 
Points)
 on 5/23/12 at 8:07am

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

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progenitor's picture

Great post, and congrats on

progenitor
     
 
(Chimp, 13
 
Points)
 on 5/25/12 at 1:25pm
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xc48cross's picture

Great story! That's awesome,

xc48cross
     
 
(Senior Baboon, 233
 
Points)
 on 5/25/12 at 3:43pm
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paulydreamer's picture

xc48cross: Great story!

paulydreamer
      AM
 
(Orangutan, 329
 
Points)
 on 5/25/12 at 3:47pm

Do not pray for easy lives. Pray to be stronger men.- JFK

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TraderDaily's picture

Congratulations man!

TraderDaily
     
 
(King Kong, 1,045
 
Points)
 on 5/25/12 at 6:09pm
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ibdreamer's picture

I too was fat as a child and

ibdreamer
      O
 
(Orangutan, 324
 
Points)
 on 5/25/12 at 11:43pm
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Culcet's picture

Thanks for sharing this. We

Culcet
      EN
 
(Senior Orangutan, 407
 
Points)
 on 11/21/12 at 1:57pm
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Mr.Saxman's picture

Nice story! Kind of funny how

Mr.Saxman
      IB
 
(Senior Baboon, 237
 
Points)
 on 11/21/12 at 9:05pm
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LaFemmeFinancière's picture

Very nice work PaulyDreamer!

LaFemmeFinancière
      HF
 
(Senior Baboon, 242
 
Points)
 on 11/26/12 at 2:37am

~~ Fortune favours the brave ~~

My WSO Blog

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riggyk's picture

Great story!

riggyk
     
 
(Senior Chimp, 25
 
Points)
 on 11/26/12 at 3:16pm
  • 0
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The Company authorizes you to view and download a single copy of the material on www.WallStreetOasis.com (the "Web Site") solely for your personal, noncommercial use. By using the Web Site you are giving the Company the sole right to use any and all content you generate or publish on the site for commercial, non-commercial or promotional purposes. This includes any and all forum posts, comments, blog posts or any other material you generate on the Web Site.

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.

Forum Topics

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  • This is a NYT piece on the hunt for buy-side jobs now going on, as reported in http://dealbook.nytimes.com/2013/05/23/a-rush-to-recruit-young-analysts-only-months-on-the-job/?smid=pl-share. [quote]“Every year recruiters get hold of full lists of analysts in the top groups at the top banks,”...
    The stomping killing grounds for a buy-side job
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    Secondary loan trading? Secondaries
  • Similar to the Anatomy of a 10-K thread I was hoping someone could walk us through how they dissect CA and indentures and explain what parts are most important and/or relevant when looking to...
    Anatomy of a Credit Agreement and a Bond Indenture?
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    Bonus cuts are one thing, but now Seamless cuts?
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    Group placement
  • I am curious about which one is better. I'm a first generation for college and I can't decide whether I should go to a target like Ross and end up with a 3.2 GPA or go to an easier college like OSU and get a 3.8/4.0 GPA. My goal isn't necessarily to get an IBD position straight out...
    Non-target with 3.8/4.0 GPA vs target with 3.2 GPA
  • Hi, this is my first post. I am looking for a new suit and after doing some research on styleforum.net, it seems that SuitSupply is my best bet. I really like the Washington fit they offered for its high rise and slim cut pant. However, since there aren't that many options, I am wondering...
    Are these suits appropriate for SA?
  • It is called "Brocair Partners" and it is in Midtown NYC... They cover the Healthcare sector and have deal size ranging from 30 - 250 Million. So they seem pretty good in regards to size, and have decent deal flow as well. Also have a lot of international exposure and overseas deals, so...
    Has anyone heard of this Boutique?
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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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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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<em>Mod note: Best of Bankerella - this was originally posted 10/1/12</em> I occasionally get PMed by people at colleges I’ve never heard of before, asking if they have a shot at IBD. Folks, why IBD? The finance world is broad and varied, and there are a million ways to...
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Fellow Primates, We are looking for 1-2 students on each campus to help WSO in its sales efforts to student clubs/career centers, and overall promotion at your school both online and on the ground. Below is a description of the position and benefits...thanks in advance for your help! <a...
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