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Wall Street Oasis » Forums » I-Banking Bullpen
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McKinsey & Company vs. Goldman Sachs - for an undergraduate.
 

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consultant16180's picture
consultant16180
      CO
 
 
(Senior Baboon, 208
 
Points)
 on 4/18/07 at 5:40pm

Had a few friends who were choosing between these two firms senior year. Two of them when to McKinsey, one went to Goldman. We had a lot of Consulting Vs. Banking back-and-forth, but I'd like to see what arguments this board has in support of either (and I realize that most are going to say Goldman, since this is a banking forum and most don't really know what McKinsey does, so I'll chime in now and then). Just to get the ball rolling here:

Goldman:

Fantastic pay
More layman's prestige
GREAT exit opps into PE, hedge funds, practically any finance position
More "hard skills" type work

McKinsey

Good pay, GREAT benefits
More prestige in B-school, management circles
Very good exit opps into finance, unparalleled exit opps into practically any other industry/field
Fantastic B-school placement, pays for B-school in many cases
LOTS of responsibility at a very junior level (one of my friends met a CEO of F500 in his first study!)

What do you guys think?

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Tags:
  • I-Banking Bullpen
fp175's picture

Well I'm going into markets,

fp175
      O
 
 
(Gorilla, 684
 
Points)
 on 4/18/07 at 5:43pm

Well I'm going into markets, so consulting has nothing for me, not even McKinsey.

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student22's picture

If you love banking choose

student22
     
 
(Senior Baboon, 240
 
Points)
 on 4/18/07 at 5:48pm

If you love banking choose GS

If you doubt whether you love banking choose McK

I spoke to many McKinsey people.. they all stated in this world there is only one firm that is more prestigious and is really the best and that is Goldman Sachs! However, McK has smarter people in general because at least at the office in my country they do care about GPA, sometimes GS hires people with a low GPA which might indicate that person might be less intelligent (but necessarily)

Given you love banking:

What would be better, all depending on your age, your personal situation:

GS analyst--> GS associate --> GS VP etc

McKinsey fellow--> B-school MBA 2yrs --> GS associate

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zardari's picture

McKinsey

zardari
     
 
(Monkey, 30
 
Points)
 on 4/18/07 at 5:52pm

Mckinsey is the biggest brand name anyone can get on his resume. A Mckinsey person gets so much respect anywhere and its the best place to learn and develop yourself for long term success. If somebody is 100% convinced about pursuing a career in banking/finance then Goldman is a better option but otherwise Mckinsey beats Goldman w/o any doubt. I have had experience working with ex Mckinsey and ex goldman analysts and mckinsey guys seem so much smarter, creative and social.
Just my 2 cents. I know this board is biased towards banking so ppl will flame me but if you go out in corporate world or talk to anyone at business school, Mckinsey name is way above Goldman.

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tallon123's picture

I don't think you can say

tallon123
     
 
(Baboon, 107
 
Points)
 on 4/18/07 at 5:54pm

I don't think you can say one is better than the other. Each is the best in its industry. McKinsey intake at undergrad level is a little smaller than Goldman FO though.

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Rickets's picture

This is like

Rickets
     
 
(Orangutan, 288
 
Points)
 on 4/18/07 at 6:43pm

This is like asking what's a better graduate school, Yale Law School or Harvard Med?

This is a throwaway thread.

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goldson's picture

Re: McKinsey

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/18/07 at 6:51pm
zardari:

Mckinsey is the biggest brand name anyone can get on his resume. A Mckinsey person gets so much respect anywhere and its the best place to learn and develop yourself for long term success. If somebody is 100% convinced about pursuing a career in banking/finance then Goldman is a better option but otherwise Mckinsey beats Goldman w/o any doubt. I have had experience working with ex Mckinsey and ex goldman analysts and mckinsey guys seem so much smarter, creative and social.
Just my 2 cents. I know this board is biased towards banking so ppl will flame me but if you go out in corporate world or talk to anyone at business school, Mckinsey name is way above Goldman.

"Mckinsey name is way above Goldman"?!?!?!?

Are you freaken serious man? That is completely untrue because the fact of the matter is that most of the guys at GS can get to McKinsey but that cannot be said the other way around. Question is, why would you want to take a 50% pay cut? Without question GS is better, but McKinsey people will argue pussy things like, "I want a better quality of life" aka I cannot cut it at GS.

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aadpepsi's picture

Hmmm, interesting question.

aadpepsi
     
 
 
(King Kong, 1,236
 
Points)
 on 4/18/07 at 6:58pm

Hmmm, interesting question. Well, if it were my choice, I'd hands down say McKinsey. A couple of reasons...

If someone is straight out of undergrad and has the opportunity with either/or, I think McKisney would give the broadest experience, best prestige for graduate school and better long-term career potential.

If one were to do the McKinsey route post-undergrad for a few years and then pursue B-School, I think you may be a stronger candidate. Also, just a personal perspective but I believe entry into IB is better as an Associate vs. analyst. You skip a lot of scut level work.

Besides, perhaps some of your work as a consultant for McKinsey may very well expose you to the nature of work and the culture of different I-banks and this internal perspective is a competitive advantage to gauge whether IB is for you post-MBA.

Finally, I'm not sure how statistically true this statement might be, but there may be more executives of Fortune 500 that are McKinsey alumni vs. GS alumni.

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goldson's picture

Re: Hmmm, interesting question.

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/18/07 at 7:05pm
aadpepsi:

Hmmm, interesting question. Well, if it were my choice, I'd hands down say McKinsey. A couple of reasons...

If someone is straight out of undergrad and has the opportunity with either/or, I think McKisney would give the broadest experience, best prestige for graduate school and better long-term career potential.

If one were to do the McKinsey route post-undergrad for a few years and then pursue B-School, I think you may be a stronger candidate. Also, just a personal perspective but I believe entry into IB is better as an Associate vs. analyst. You skip a lot of scut level work.

Besides, perhaps some of your work as a consultant for McKinsey may very well expose you to the nature of work and the culture of different I-banks and this internal perspective is a competitive advantage to gauge whether IB is for you post-MBA.

Finally, I'm not sure how statistically true this statement might be, but there may be more executives of Fortune 500 that are McKinsey alumni vs. GS alumni.

True but why not make $140k at 22 instead of waiting until you are at least 27 at McKinsey to make that?

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Salam Shpekov's picture

The whole quality of life

Salam Shpekov
     
 
(Orangutan, 368
 
Points)
 on 4/18/07 at 7:20pm

The whole quality of life thing is crap. Travelling 5 days a week, sleeping in a different hotel every night. How is that better than banking?

And for the record, I chose a lower ranked BB over Bain Consulting

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freeloader's picture

Re: Hmmm, interesting question.

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/18/07 at 7:20pm
goldson:
aadpepsi:

Hmmm, interesting question. Well, if it were my choice, I'd hands down say McKinsey. A couple of reasons...

If someone is straight out of undergrad and has the opportunity with either/or, I think McKisney would give the broadest experience, best prestige for graduate school and better long-term career potential.

If one were to do the McKinsey route post-undergrad for a few years and then pursue B-School, I think you may be a stronger candidate. Also, just a personal perspective but I believe entry into IB is better as an Associate vs. analyst. You skip a lot of scut level work.

Besides, perhaps some of your work as a consultant for McKinsey may very well expose you to the nature of work and the culture of different I-banks and this internal perspective is a competitive advantage to gauge whether IB is for you post-MBA.

Finally, I'm not sure how statistically true this statement might be, but there may be more executives of Fortune 500 that are McKinsey alumni vs. GS alumni.

True but why not make $140k at 22 instead of waiting until you are at least 27 at McKinsey to make that?

Because you are doing different work. Not every person wants to do banking. Smart business oriented people often want to work with businesses.

Besides, I'm fairly certain McK is a bit more selective in the total number of front-office positions for undergrads.

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djia5000's picture

Re: Hmmm, interesting question.

djia5000
      IB
 
(Senior Baboon, 178
 
Points)
 on 4/18/07 at 7:21pm
aadpepsi:

Finally, I'm not sure how statistically true this statement might be, but there may be more executives of Fortune 500 that are McKinsey alumni vs. GS alumni.

I dont know the statistics either, but my guess is that this is true.

It boils down to how much you KNOW you want to do finance. Id compare this to majoring in liberal arts vs finance. If you do liberal arts (McK), you can still do finance later (but its harder). If you major in finance, you are a bit more pigeonholed, but it will be easier to reach the upper levels of Finance.

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buysideguy's picture

Re: McKinsey

buysideguy
      PE
 
 
(Senior Orangutan, 496
 
Points)
 on 4/18/07 at 7:26pm
goldson:
zardari:

Mckinsey is the biggest brand name anyone can get on his resume. A Mckinsey person gets so much respect anywhere and its the best place to learn and develop yourself for long term success. If somebody is 100% convinced about pursuing a career in banking/finance then Goldman is a better option but otherwise Mckinsey beats Goldman w/o any doubt. I have had experience working with ex Mckinsey and ex goldman analysts and mckinsey guys seem so much smarter, creative and social.
Just my 2 cents. I know this board is biased towards banking so ppl will flame me but if you go out in corporate world or talk to anyone at business school, Mckinsey name is way above Goldman.

"Mckinsey name is way above Goldman"?!?!?!?

Are you freaken serious man? That is completely untrue because the fact of the matter is that most of the guys at GS can get to McKinsey but that cannot be said the other way around. Question is, why would you want to take a 50% pay cut? Without question GS is better, but McKinsey people will argue pussy things like, "I want a better quality of life" aka I cannot cut it at GS.

Actually, McKinsey, believe it or not, is way more selective than GS and going from McKinsey to GS is much easier than the other way around. This is just one example, but consider the fact that GS hires a wide range of GPA's while McK wont even look at you without a 3.7+.

Also, money at this age is all relative, esp if you get Bschool paid for you and I do believe most of the people I know from McK could def "cut it" at GS.

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WizardofOz's picture

Consulting is for pussies.

WizardofOz
     
 
(Senior Orangutan, 473
 
Points)
 on 4/18/07 at 7:26pm

Consulting is for pussies.

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aadpepsi's picture

Re: Hmmm, interesting question.

aadpepsi
     
 
 
(King Kong, 1,236
 
Points)
 on 4/18/07 at 7:50pm
goldson:

True but why not make $140k at 22 instead of waiting until you are at least 27 at McKinsey to make that?

Well, here's the notion nobody seems to get on this forum... contrary to popular belief, 2 years in IB as an analyst does not a lifetime career make. Everyone seems to think that they can put their 2 years in and that every step after that is going to be on a red carpet.

Whereas at least 2-3 years at McKinsey and that DOES give you plenty more options. At least I think so. It's also about reputation and how you're perceived. If you work at Goldman at such a young age, sure that's impressive. But if your first ever job is with McKinsey, that's MORE impressive.

Now why do you care what you make at 22? I've said this before but I'll say it again, careers are determined 10 years out. Net worth is not going to be determined from 22-24.

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tallon123's picture

aadpepsi - I expect most gs

tallon123
     
 
(Baboon, 107
 
Points)
 on 4/18/07 at 7:56pm

aadpepsi - I expect most gs first years would hope to be set up for life 10-14 years into their careers. Many would no doubt like to be retired by that age - or at least doing something a hell of a lot less stressful, something which gives them a bit more family time.

With McKinsey BA you tend to be committed to 5+ years of 'low' earnings before you can start to cash in. That means that it will take a lot longer to build up your bank balance.

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jj80's picture

McKinsey BA is not more or

jj80
     
 
(Orangutan, 278
 
Points)
 on 4/18/07 at 7:59pm
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aadpepsi's picture

Re: aadpepsi - I expect most gs

aadpepsi
     
 
 
(King Kong, 1,236
 
Points)
 on 4/18/07 at 8:08pm
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Prescott Moncrief III's picture

If you're interested in

Prescott Moncri...
     
 
(Baboon, 166
 
Points)
 on 4/18/07 at 8:11pm
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freeloader's picture

Re: aadpepsi - I expect most gs

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/18/07 at 8:11pm
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tallon123's picture

1. nychimp started out

tallon123
     
 
(Baboon, 107
 
Points)
 on 4/18/07 at 8:16pm
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Frank Slaughtery's picture

Prescott

Frank Slaughtery
      EN
 
 
(King Kong, 1,122
 
Points)
 on 4/18/07 at 8:17pm
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jaclee317's picture

You really can't say which

jaclee317
      O
 
(Senior Baboon, 244
 
Points)
 on 4/18/07 at 8:19pm
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freeloader's picture

I was just pointing out that

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/18/07 at 8:20pm
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raider4ever's picture

apologize for long, rambling post...

raider4ever
     
 
(Baboon, 145
 
Points)
 on 4/18/07 at 8:21pm
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tallon123's picture

I would say Booz is no where

tallon123
     
 
(Baboon, 107
 
Points)
 on 4/18/07 at 8:22pm
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freeloader's picture

Thought I might add, my

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/18/07 at 8:24pm
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fp175's picture

Re: McKinsey

fp175
      O
 
 
(Gorilla, 684
 
Points)
 on 4/18/07 at 8:34pm
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aadpepsi's picture

Re: Thought I might add, my

aadpepsi
     
 
 
(King Kong, 1,236
 
Points)
 on 4/18/07 at 8:35pm
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StoneImmaculate's picture

It's really funny that if

StoneImmaculate
     
 
(Senior Monkey, 69
 
Points)
 on 4/18/07 at 8:43pm
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aadpepsi's picture

Right :-) And Earth doesn't

aadpepsi
     
 
 
(King Kong, 1,236
 
Points)
 on 4/18/07 at 8:47pm
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sashimi's picture

airy fairy

sashimi
     
 
(Baboon, 137
 
Points)
 on 4/18/07 at 9:01pm
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goldson's picture

Re: Hmmm, interesting question.

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/18/07 at 9:29pm
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consultant16180's picture

Re: Hmmm, interesting question.

consultant16180
      CO
 
 
(Senior Baboon, 208
 
Points)
 on 4/18/07 at 9:42pm
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WizardofOz's picture

This whole thread is stupid,

WizardofOz
     
 
(Senior Orangutan, 473
 
Points)
 on 4/18/07 at 9:44pm
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goldson's picture

Re: Hmmm, interesting question.

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/18/07 at 9:52pm
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StreetLuck's picture

I don't understand what

StreetLuck
      IB
 
(Senior Gorilla, 775
 
Points)
 on 4/18/07 at 9:57pm

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consultant16180's picture

Re: Hmmm, interesting question.

consultant16180
      CO
 
 
(Senior Baboon, 208
 
Points)
 on 4/18/07 at 10:59pm
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PoppingMyCollar's picture

If you are more into

PoppingMyCollar
     
 
(Orangutan, 338
 
Points)
 on 4/18/07 at 11:06pm
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JambaMan's picture

I don't understand this

JambaMan
     
 
(Senior Orangutan, 424
 
Points)
 on 4/18/07 at 11:10pm
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Prescott Moncrief III's picture

The ex-CEOs of Sara Lee (the

Prescott Moncri...
     
 
(Baboon, 166
 
Points)
 on 4/18/07 at 11:31pm
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JambaMan's picture

No, but it does mean they

JambaMan
     
 
(Senior Orangutan, 424
 
Points)
 on 4/19/07 at 12:08am
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mika's picture

Someone give me an argument

mika
     
 
(Baboon, 127
 
Points)
 on 4/19/07 at 12:22am
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goldson's picture

Re: Someone give me an argument

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/19/07 at 12:30am
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freeloader's picture

Re: Someone give me an argument

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/19/07 at 12:46am
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maverickPE's picture

I agree

maverickPE
     
 
(Senior Monkey, 70
 
Points)
 on 4/19/07 at 12:51am
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maverickPE's picture

Prescott

maverickPE
     
 
(Senior Monkey, 70
 
Points)
 on 4/19/07 at 12:53am
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goldson's picture

Re: Someone give me an argument

goldson
      IB
 
(Orangutan, 280
 
Points)
 on 4/19/07 at 12:55am
  • 0
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maverickPE's picture

uh

maverickPE
     
 
(Senior Monkey, 70
 
Points)
 on 4/19/07 at 12:56am
  • 0
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StreetLuck's picture

Re: Someone give me an argument

StreetLuck
      IB
 
(Senior Gorilla, 775
 
Points)
 on 4/19/07 at 1:02am

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freeloader's picture

Re: Someone give me an argument

freeloader
      PE
 
(Senior Gorilla, 902
 
Points)
 on 4/19/07 at 1:04am
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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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  • Any thoughts on this? $1.1bn seems like a lot, but maybe I just don't understand the value. [quote]Yahoo says its $1.1bn (£723m; 857m euros) purchase of blogging platform Tumblr will boost its revenue as soon as...
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    My position is gone and my bank is giving me two options to choose from, which is better?
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    Opinions on Nomura US
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    Basic Guide Ramping Up On A Company With Public Information (Part 2 of 3)
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    How did you get into your target school?
  • Ran into ING US (VOYA) while hunting for cheap price to book investments. It has turned into a bit more interesting than just that metric and indeed may be an aig-style investment. <br /> <br /> <strong>A background:</strong><br /> ING US is a financial services...
    Contemplating ING US (VOYA)
  • Looking for suits right now and was wondering what is acceptable in terms of going beyond just a solid color. I know that bold pin stripes should definitely be avoided. Is something like the image attached ok? And in terms of color, I know to avoid black and to go with Charcoal,...
    Acceptable Suit Patterns/Textures
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