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Wall Street Oasis » Forums » Monkeying Around
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What You Should've Done by 21: a Controversial Guide to a Realistic Outlook
 

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BlackHat's picture
BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 10/24/12 at 10:00pm
nofair

I promised a few people some long overdue wisdom, but haven't had the motivation lately to actually write something up. But after reading this post, I'm inspired to write a foil piece that details my [rather unorthodox] path to manhood and the perspective on life that it's caused me to have.

I assume right away that most people will not agree with a lot of it, possibly take offense to some of it, and it may ultimately depress a few readers as well. But I'm only here to impart my wisdom on the kids who may have some misguided beliefs about the way the real world works, and hopefully at least one person can take something away from this that helps them see their own lives a bit clearer.

So below is my list of things I've either done or wish I'd done by the time I was "grown up," which for me I think happened around age 20-21. I'd like to think that's earlier than most, but there's good reason for it and it will be included in my list. Here goes:

1. Question Every Authority, Even Your Parents
Parents are people too. And people make lots of mistakes. They don't always know what's best for you, and you might realize one day that maybe they never did. I love my parents to death and I think they're one of the key reasons why I've become the person I am today, but some of those reasons are because I went against them and what they tried to tell me ended up being wrong. Question the school system, question the government. Why do these groups of people know better than I do? If you're always questioning then you're always thinking for yourself, and sometimes you'll agree with what the consensus is, but it's a lot better to arrive at your own conclusions using your own brand of logic. At least then you'll be confident. Oh and there's one more institution you should probably question, which is to...

2. Consider at Least 2 Religions
Touchy subject, right? I didn't say practice, I didn't say believe, I said consider. This is just another form of thinking for yourself. Maybe you grew up Catholic, why not take up studying Hinduism or Mormonism? There's tons of other people out there who strongly believe (and quite a few who are willing to die for it) that their faith is the way the world was set up and the way they need to live their lives. Think about how powerful that is - how come we can believe two entirely different things like that so strongly? Is it because someone told us to? [Probably.] Everyone's conclusions will be different. I know people who have done this and the experience caused them to appreciate their own religion so much more than before. Personally, I did this and concluded that it's probable that none of us are actually right. But it's helpful to think through it. Again, force yourself to think about why you are who you are. Once you do that, you'll probably...

3. Realize that You Aren't Special
I made the mistake growing up thinking that because I'm me, there's no way that what happened to this person or that person could ever happen to me. Because I'm me, things will be different than they were for the guy who did the exact same stuff I'm doing and turned out to be a complete failure. Your parents are wrong - you're just like everyone else. You're a human being with skin and hair and you walk on two feet and think with a brain. There is nothing magical about you, and you're not entitled to anything more than anybody else. And don't expect yourself to be happy all the time while every other animal on the planet can just "be." If a situation requires you to work your ass off, you damn well better work your ass off. Nobody ever got anywhere complaining about how unfair things were for them, no matter how awful their circumstances were. Accept them and only look at what you can do to get where you want to be, not how you can try and take a shortcut because somehow you think you're "different." Once you do that, you'll eventually succeed, but not before you...

4. Make as Many Mistakes as Possible
I've written the book on this one. Whether it's with girls, in school, at home, or anywhere else, if there's a f*ck-up to be made, I've definitely made it. The big thing to remember here is the only way to make a lot of mistakes is if you first try a lot of things.

Anyone who can make up an excuse for why they haven't tried something at least once is destined to be a failure.

The more mistakes you make, the more things you know don't work, and it starts narrowing down how many things could actually be right. Another word for this that some of you might be unfamiliar with is EXPERIENCE. It's 1000x more important than grades, scores, stats, or who your daddy is. Experience is just the sum of all that you've learned from your past mistakes. Oh, and one mistake that was a hell of an experience was when I decided to...

5. Try at Least a Few Different Drugs
I know, I know. He's really advocating drug use?! No, not really, but I truly believe there are positives to responsibly using the right drugs. You don't know everything about yourself until you've followed your thoughts under the influence. Some people think weed is enough, I never did. Some psychadelics can make you really think outside of your normally filtered conscious mind. Every time I experimented with a new drug, [usually] responsibly, I came away with having learned something new and legitimately useful about myself that helped me see the world a bit clearer. Unfortunately, as some of you know, I'm not the best person to listen to about this because thanks to drugs I once had to...

6. Undergo a Near-Death Experience
I'm not suggesting you stand in front of a train and try to jump out of the way at the last second. But more people than you'd imagine have had this happen to them and I think those people are absolutely invaluable resources for wisdom in regards to how their view of certain things changed. I've unfortunately had multiple NDEs, but looking back they help you realize that your life is very easily taken away. Stupid shit like target schools and pitch books stop being even remotely important. Go talk to someone who legitimately had a near-death experience, and just ask them about the things they thought about losing when they almost died. Not to make this longer than it should be but I'll go into a little detail of my own, and maybe anyone with similar experiences can contradict or confirm. I was never afraid I was going to die, I was just more sad about what I was leaving behind. Dying meant no more sitting in diners with the girl I loved drinking coffee and talking bullshit. Dying meant no more trips to the cottage and seeing my dog run in circles around the house because he's just so goddamn excited to be there. And dying meant not being able to pay my family and friends back for everything they'd done for me. Now those are the things that are actually important to me. I was never afraid about losing my apartment or my bonus or no more one night stands. Once you know what you truly value, you'll start to...

7. Understand that Life is Not Meant to Be Serious
There's really not much to say here. Life continues to go on regardless of what happens around us, and even if the things you decided are most dear to you are gone one day, you'll find a way to move on. Life is as far removed from serious as one can get. With that attitude you'll find yourself acting a lot more naturally, and I'd venture to guess that about 95% of the people on this site should probably give this one some solid consideration. If I die tomorrow, screw it, I'm dead. If I get fired tomorrow, screw it, it's not like I'm dead. Oh wait, even that's not a big deal in the grand scheme of things is it? Just relax and enjoy yourself, it's a privilege that we're here to begin with, it's all been extra credit since the day you were born. Even getting laid isn't a serious matter. In fact, when it comes to women...

8. Realize that a Woman [or Man] is Just Another Person Trying to Get By
Some of you guys might have a hard time with this one, seeing as 60% of the posts on this site are about chicks and getting laid and spitting game and all that bullshit. It took me the better part of maybe 20 one-night stands to realize that the game is totally blown out of proportion. Not only did it lose its excitement, I started feeling bad for her, for other guys out there trying to "get some," and for the entire human race. This chick is just another insecure person just like me doing her best to fit in and not hate herself in the morning. The sad part is she's doing a miserable job at it. So guys: stop putting it on a pedestal, it's lame and so are you if you do. Girls: if you haven't noticed already we're all pretty messed up and you're no different. So if gettin' laid is your thing, go ahead and do it, but don't beat yourself up about it if you're not. Nobody's "doing better" than you because of it, and despite what stigma society tries to attach to it, to me it's really no different than a high-five. Society does this pretty often, but if you're smart you'll...

9. Run from Anything that Everyone Agrees On
Most people are overwhelmingly stupid. They have no clue what they want and no clue how to get it even if they did. There's a reason it's called a "herd mentality," because we're all about as intellectually independent as a group of water buffalo, and we all saw what a few white dudes with rifles did to them. If everyone thinks the same way, you can almost guarantee that it's A) irrational B) benefiting a minority of people C) completely inaccurate. Go back and look at all the things we universally agree on without thinking about them. Mr. Carlin provides a pretty good list of blindly accepted herd mentality mantras: All Men are Equal, Justice is Blind, the Press is Free, Your Vote Counts. I think you get the point.

--------------------------------------------------------------

Again, logic. We don't try it enough, but if you get comfortable with the idea of using it by the time you're an adult, you'll come away a lot more successful in your life. And we all agree that being successful means being happy, right? Well I'm glad we all universally agree on that, so go out there and find your happy place!.....

I hate victims who respect their executioners Follow BH & Co. on Twitter: @DumbLuckCapital twitter.com/DumbLuckCapital
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Tags:
  • success
  • rants
  • life lessons
  • cynicism
  • Monkeying Around
animalz's picture

Edmundo

animalz
     
 
(Gorilla, 685
 
Points)
 on 7/13/12 at 6:18pm
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Relinquis's picture

I think you missed one Big

Relinquis
      RE
 
 
(Neanderthal, 2,186
 
Points)
 on 7/13/12 at 6:50pm

relinquis... Killing the GMAT this December; Over/Under set at: 725 GMATs.

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jmayhem's picture

Did 1. Caused me to do 5. 4

jmayhem
      O
 
(Senior Baboon, 210
 
Points)
 on 7/13/12 at 7:59pm

"The power of accurate observation is commonly called cynicism by those who have not got it." - George Bernard Shaw

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FlakieBear's picture

BlackHat: 6. Undergo a

FlakieBear
     
 
(Gorilla, 502
 
Points)
 on 7/13/12 at 8:18pm

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

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Plugston_of_Undershot's picture

yes, the problem with kids

Plugston_of_Und...
     
 
(Senior Chimp, 19
 
Points)
 on 7/13/12 at 8:54pm
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sincerely's picture

As a person in the 20s, I've

sincerely
     
 
(Monkey, 54
 
Points)
 on 7/13/12 at 10:28pm
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labanker's picture

Edmundo Braverman: Excellent

labanker
      PE
 
 
(Orangutan, 328
 
Points)
 on 7/14/12 at 2:25am
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tiger2012's picture

"Q: So I'm a rising Junior

tiger2012
      ER
 
 
(Senior Baboon, 233
 
Points)
 on 7/14/12 at 6:40am
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mhurricane's picture

Great list. I agree about

mhurricane
     
 
(Senior Orangutan, 438
 
Points)
 on 7/14/12 at 8:34pm

The difference between successful people and others is largely a habit - a controlled habit of doing every task better, faster and more efficiently.

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CornerOffice21's picture

This is great, I'm only 16,

CornerOffice21
      IB
 
(Monkey, 36
 
Points)
 on 7/14/12 at 2:03pm

"The penalty of success is to be bored by the people who used to snub you."
-- Lady Nancy Astor

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illiniPride's picture

I agree with everything on

illiniPride
      IB
 
 
(King Kong, 1,099
 
Points)
 on 7/14/12 at 6:33pm

Leadership can be defined in two words: "Follow Me"

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Virginia Tech 4ever's picture

There's definitely some

Virginia Tech 4ever
      EN
 
 
(Neanderthal, 2,319
 
Points)
 on 7/15/12 at 2:57am
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trade4trade's picture

labanker: Edmundo

trade4trade
      O
 
(Monkey, 54
 
Points)
 on 7/15/12 at 3:01am
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Edmundo Braverman's picture

trade4trade: labanker: Ed

Edmundo Braverman
      ST
 
 
(Human, 14,322
 
Points)
 on 7/15/12 at 6:15am

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BlackHat's picture

Edmundo Braverman: i.e.

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 7/15/12 at 10:52am

I hate victims who respect their executioners

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

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frgna's picture

Been near death twice in my

frgna
      O
 
 
(Senior Gorilla, 916
 
Points)
 on 7/15/12 at 8:58pm

if you like it then you shoulda put a banana on it

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BabyChimp's picture

I have no idea why people are

BabyChimp
     
 
(Chimp, 1
 
Points)
 on 7/15/12 at 11:35pm
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Virginia Tech 4ever's picture

I would respectfully submit

Virginia Tech 4ever
      EN
 
 
(Neanderthal, 2,319
 
Points)
 on 7/15/12 at 11:45pm
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BlackHat's picture

BabyChimp: I have no idea why

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 7/15/12 at 11:46pm

I hate victims who respect their executioners

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

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Going Concern's picture

BlackHat: 9. Run from

Going Concern
     
 
 
(King Kong, 1,679
 
Points)
 on 7/16/12 at 8:09pm

And I think it's gonna be a long, long, time

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BlackHat's picture

Going Concern: I'm not sure

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 7/16/12 at 8:50pm

I hate victims who respect their executioners

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

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Going Concern's picture

BlackHat: Going

Going Concern
     
 
 
(King Kong, 1,679
 
Points)
 on 7/16/12 at 9:21pm

And I think it's gonna be a long, long, time

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BlackHat's picture

Going

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 7/16/12 at 10:57pm

I hate victims who respect their executioners

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

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Viktri's picture

Great list. I think all the

Viktri
     
 
(Senior Monkey, 75
 
Points)
 on 7/16/12 at 10:58pm

- V

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Viktri's picture

Regarding the drug question,

Viktri
     
 
(Senior Monkey, 75
 
Points)
 on 7/16/12 at 10:59pm

- V

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Going Concern's picture

BlackHat: Because that's how

Going Concern
     
 
 
(King Kong, 1,679
 
Points)
 on 7/16/12 at 11:11pm

And I think it's gonna be a long, long, time

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BlackHat's picture

Going

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 7/16/12 at 11:15pm

I hate victims who respect their executioners

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

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KeepCalm's picture

Great advise!! All of

KeepCalm
      IB
 
(Monkey, 54
 
Points)
 on 7/17/12 at 12:17am
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AladineVargas's picture

...

AladineVargas
     
 
(Chimp, 13
 
Points)
 on 7/20/12 at 2:56pm

Aladine Vargas
vargaswebsites.com
BarnstoneMethod.com

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Onetwobit's picture

I like making mistakes :)

Onetwobit
      CF
 
(Orangutan, 252
 
Points)
 on 10/24/12 at 11:12pm
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madridista's picture

#7 I completely agree on. Ive

madridista
      O
 
(Chimp, 4
 
Points)
 on 10/24/12 at 11:18pm
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traps's picture

Great post. Great advice.

traps
      IB
 
(Senior Chimp, 22
 
Points)
 on 10/25/12 at 12:14am

Traps

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andres17's picture

Great post BH. Don't agree

andres17
     
 
(Senior Baboon, 196
 
Points)
 on 10/25/12 at 12:24am
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sanogee's picture

You've hit the nail on the

sanogee
      CF
 
(Monkey, 38
 
Points)
 on 10/25/12 at 1:24am

sanogee

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ivoteforthatguy's picture

Virginia Tech 4ever: I would

ivoteforthatguy
      O
 
(Neanderthal, 2,210
 
Points)
 on 10/25/12 at 2:09am
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Upload Avatar

Nice, I really been wanting

Nebular (not verified)
     
 
(Chimp, 0
 
Points)
 on 10/25/12 at 10:49am
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AllDay_028's picture

I'm glad this got bumped. I

AllDay_028
      CF
 
 
(Senior Orangutan, 452
 
Points)
 on 10/25/12 at 11:08am
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AgentBishop's picture

Thanks for the thoughts and I

AgentBishop
     
 
(Senior Chimp, 28
 
Points)
 on 10/25/12 at 12:21pm

73 good sir!

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expenseaccounts's picture

huethan: re #6: an old

expenseaccounts
     
 
(Baboon, 102
 
Points)
 on 10/25/12 at 6:48pm
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emtee106's picture

wow really enjoyed this list

emtee106
     
 
(Chimp, 5
 
Points)
 on 10/26/12 at 3:57am
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proptrader14's picture

AllDay_028: I'm glad this got

proptrader14
     
 
(Senior Monkey, 75
 
Points)
 on 10/27/12 at 1:28am
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huanleshalemei's picture

BlackHat: 7. Understand that

huanleshalemei
     
 
(Gorilla, 511
 
Points)
 on 10/27/12 at 6:26pm

The Auto Show

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BTbanker's picture

When life give you lemons,

BTbanker
      IB
 
(Senior Neanderthal, 5,329
 
Points)
 on 10/28/12 at 2:58pm

"A man generally has two reasons for doing anything. One that sounds good, and the real one." - J.P. Morgan

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offthewall's picture

Excellent post, it's like you

offthewall
     
 
(Baboon, 129
 
Points)
 on 10/29/12 at 1:31am

WSO Content Management Intern

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offthewall's picture

Virginia Tech 4ever: I would

offthewall
     
 
(Baboon, 129
 
Points)
 on 10/29/12 at 1:44am

WSO Content Management Intern

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Drewbles's picture

That was a wonderful post. It

Drewbles
      CF
 
(Senior Chimp, 19
 
Points)
 on 10/29/12 at 7:55pm

That's back office bitch, CPA, to you. Thank you.

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MCPRINCE_18's picture

Thank you so much! As bizarre

MCPRINCE_18
     
 
(Chimp, 1
 
Points)
 on 10/31/12 at 8:04pm
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ocpitmaster's picture

Great post. Much wiser than

ocpitmaster
      EN
 
(Monkey, 34
 
Points)
 on 12/10/12 at 3:48pm
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seriously.what-is-going-on's picture

this is so awesome. i agree

seriously.what-...
      IA
 
(Senior Chimp, 24
 
Points)
 on 3/26/13 at 10:36pm
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BlackHat's picture

seriously.what-is-going-on: t

BlackHat
      HF
 
 
(Senior Neanderthal, 4,933
 
Points)
 on 3/26/13 at 10:55pm

I hate victims who respect their executioners

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

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General Rules: Users may not use the Web Site in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Web Site Security Rules. Users are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Web Site, overloading, "flooding", "spamming", "mailbombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail. Violations of system or network security may result in civil or criminal liability. The Company will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Specific Prohibited Uses.

The Company specifically prohibits any use of the Web Site, and all users agree not to use the Web Site, for any of the following:

  • Posting any incomplete, false or inaccurate biographical information or information which is not your own accurate resume
  • Using any device, software or routine to interfere or attempt to interfere with the proper working of this Web Site or any activity being conducted on this site.
  • Taking any action which imposes an unreasonable or disproportionately large load on this Web Site?s infrastructure.
  • If you have a password allowing access to a non-public area of this Web Site, disclosing to or sharing your password with any third parties or using your password for any unauthorized purpose.
  • Notwithstanding anything to the contrary contained herein, using or attempting to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Web Site other than the search engine and search agents available from the Company on this Web Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
  • Attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Web Site.
  • Aggregating, copying or duplicating in any manner any of the materials or information available from the Web Site.
  • Framing of or linking to any of the materials or information available from the Web Site.

User Information.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid email address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company reserves the right to offer third party services and products to you based on the preferences that you identify in your registration and at any time thereafter; such offers may be made by the Company or by third parties. Please see the Company's Privacy Policy below for further details regarding your Information.

Registration and Password.

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized use of your registration or password.

The Company's Liability.

As a condition to your use of this site, you release the Company (and our agents and employees) from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code d1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

We are under no legal obligation to, and generally do not, control the information provided by other users which is made available through the Web Site. By its very nature, other people?s information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that you will use caution and common sense when using this Web Site.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

You acknowledge and agree that you are solely responsible for the content and accuracy of any resume or material contained therein placed by you on the Web Site and you agree to let any users that are identified as recruiters (designated in the sole discretion of the Company) to have access to your resume.

The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site.

THE COMPANY DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE COMPANY IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages.

IN NO EVENT SHALL THE COMPANY, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THE WEB SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links to Other Sites.

The Web Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by the Company of the contents on such third-party Web sites. The Company is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

No Resale or Unauthorized Commercial Use.

You agree not to resell or assign your rights or obligations under these Term of Use. You also agree not to make any unauthorized commercial use of the Web Site.

Limitation of Liability.

The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $1.

Termination.

The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to immediate termination of your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of these Terms and Conditions or if the Company is unable to verify or authenticate any information you submit to the Web Site registration with or ability to access the Web Site.

Indemnity.

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

General.

The Company makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within New York, New York. If any provision of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Web Site a particular "Legal Notice," or Software License or Material on particular Web pages, these Terms and Conditions constitute the entire agreement between you and the Company with respect to the use of Web Site. No changes to these Terms and Conditions shall be made except by a revised posting on this page.

PRIVACY POLICY

The Company recognizes that you are concerned about privacy. We are committed to preserving your privacy and safeguarding your sensitive information. The following statement describes the general information-gathering and usage practices of our sites.

Our staff, contractors, Internet service providers and others involved in this site follow this policy or similarly strict policies regarding your Information.

Disclosure

The Company is committed to fully disclosing our policies regarding the collection, use, maintenance, disclosure and security of personal information obtained from users of our site. The term "personal information" includes a name, address, email address, or any other information which could be used to contact you directly or to identify you personally.

Use and Disclosure Limitations

The Company only uses personal information about its Web site users for specific purposes. We do not share user information with third parties except when we have told users about the disclosures, when we have prior consent, or when required by law.

Use Policy: When the Company gathers personal information from users, we ask for permission first. We also disclose, at the time of collection, how the information will be used by us. Personal information is used for activities such as auto-completion of commonly-used forms and helping us contact you when you solicit information from us.

Disclosure Policy: We do not normally disclose personal information to anyone outside of the Company unless we have previously informed users about the disclosures. However, some data may be used from time to time by outside contractors, including auditors or consultants, to assist us in carrying out necessary financial or operational activities. These uses will be consistent with this privacy policy and all contractors using this potential personal information must agree to safeguard it, to use it only for the authorized purpose, and to return it or destroy it upon completion of the activity.

The Company might be required to disclose personal information in response to a valid legal process such as a subpoena, search warrant or court order.

Although unlikely, it is possible that we may have to make certain disclosures to ensure the security of our Web site, to protect its integrity, or to take precautions against potential liability. In any of these situations, we will take any reasonable steps to limit the scope of the data disclosed.

Web Logs: The Company maintains standard Web logs that record basic information about visitors to our Web site. These logs contain: * The Internet domain from which you came to our Web site. * Your IP address. An IP address is a series of numbers which uniquely identifies your connection to the Internet. Although it is possible in some instances, certain types of IP addresses may be used by interested persons to identify users but we do not attempt to identify users in this way. * The type of browser (e.g., Internet Explorer or Netscape) and operating system (e.g., Windows 98) you use. * The date and time you visited the site, and the pages you saw.

We use Web log information to design our Web site, identify popular features, and in similar ways. We do not try to identify individuals from Web logs or to link Web logs to other user information. However, if someone tries to damage our Web site or use it in an unauthorized or illegal way, we may share Web log information with law enforcement agencies. The Company may provide aggregate information such as the number of users who visit particular pages of the site, or the number of people who link to certain external sites from our site, to other parties.

Changes to Privacy Policy

The Company's features and services will change over time and our information-gathering practices and policies may also change.

While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information.

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