TUCK IN YOUR SHIRT APPROPRIATELY--OR FIND ANOTHER JOB

A MESSAGE TO THE EMPLOYEES OF THE COCKLAND GROUP LLC

By : Mr. Ronald F. Daggett, Assistant Deputy Vice President for Human Resources, The Cockland Group LLC, an Investment House specializing in service to the mortgage industry.

Cockland Group LLC is growing at a rapid pace. Since our founding in 2003, we have secured firm accounts with the Nation's largest mortgage sellers, including HSBC, Citigroup and Coldwell Banker. Our commitment to Absolute Client Satisfaction (ACS)™ is unparalleled. Our earnings have steadily risen in every consecutive quarter since our founding, even during some of the most challenging economic times in our Nation's history. We are proud of our accomplishments and we remain focused on our overriding goal: To deliver timely, effective, reasonable mortgage reinvestment services across the entire financial industry.

We could not have achieved these results without you, our employees. Here at Cockland management, we salute your dedication, hard work and passion for mortgage reinvestment services. At Cockland, it is not just about mortgages. It is about people™. Our people are the best. We know you know that, too. And we are thankful that you share our zeal for boundless client satisfaction. Because when great people serve great clients, everyone wins™.

We owe our success to our unique corporate culture. Cockland drives hard and plays hard. When we enter a market, we aim to penetrate and win. But when we relax, we relax with the same fervor we display when servicing an account. Cockland employees know how to please clients. And that is why clients keep coming back for more. Cockland delivers solid performance: Any time, anywhere--and for the best price™.

Nonetheless, not everyone can be a Cockland employee. We expect the best and we demand a lot. Sometimes it is difficult to overcome stiff competition in the mortgage client service market. We do not tolerate droopers or flaccid account service. Only the firmest survive at Cockland. Our employees don't back down. They stay on top of accounts until they are closed. Cockland employees are not timid. When we service accounts, we never pull out. We do not stop until our clients are completely satisfied™.

We also demand complete devotion to The Cockland Mission (TCM)™ (see employee manual, Chapter 2 for details). Being part of a winning team means the ability to play your position and to cheerfully receive instructions. Knowing your job is only half the battle; the other half is knowing how you fit on the ball club.

Attire is an important part of Cockland's success. Since our founding, we have insisted that every team member in the Cockland family wear either a white or blue button-down shirt at work. Button-down shirts show good taste and respect for client expectations. Clients in the mortgage industry wear button-down shirts. Typically, those shirts are white or blue. It only makes sense that we--as dedicated client service professionals--mirror their expectations. That is why we have always required our employees to wear white or blue button-down shirts. Sometimes conventions are essential. And this is one such instance.

Button-down shirts are vital to Cockland's special place in the mortgage service market. Yet the company has never endorsed an official policy expressing unconditional support for button-down shirts. We believe we have a duty as a company to reverse that trend. It is time for Cockland to recognize button-down shirts. And it is time for Cockland to make button-down shirts mandatory for all employees at the company. It is time to formalize.

From this day forward, every Cockland employee will be required to wear only blue or white button-down shirts while on company business. We refuse to acknowledge any exceptions to this policy. Every Cockland employee must certify that he or she will comply with this policy. He or she must further certify that failure to comply will result in immediate disciplinary action, up to and including docked pay and termination. Cockland must preserve its team spirit. And it must also maintain its winning attire-related traditions. That is why we hereby officially make blue and white button-down shirts a core element of Cockland culture. If Cockland employees cannot accept this, they can find employment elsewhere.

But this does not end Cockland's determination to inculcate attire discipline. In addition to requiring all Cockland employees to wear white or blue button-down shirts, all employees must also appropriately tuck their shirts into their pants.

Without appropriate tucking, blue and white button-down shirts mean nothing. Only a tucked-in button-down shirt can accomplish the goals Cockland expects. A tucked-in button-down shirt is absolutely vital to continued employment at Cockland. Inappropriately tucked and untucked button-down shirts reveal an inattention to personal excellence that is fundamentally inconsistent with Cockland's overriding commitment to unparalleled mortgage service. Our clients tuck in their shirts. All people worth anything in the world tuck in their shirts, too.

It would contravene our most basic company values to tolerate anything less than fully tucked-in shirts among our employees. For that reason, Cockland hereby requires all employees to certify not only that they will wear a blue or white button-down shirt every day at work, but that they will also appropriately tuck in their shirts. Failure to tuck in a shirt will result in immediate disciplinary action, up to and including docked pay and termination. Additionally, inappropriately tucked-in shirts will lead to the same consequences. Cockland simply cannot risk disappointing its clients by allowing employees to appear without immaculately tucked-in blue or white button-down shirts.

We recognize that these policy changes may appear harsh. We also recognize that employees may be confused about what it means to "tuck in" a button-down shirt or to "appropriately" tuck in a button-down shirt. In fairness to our employees, we wish to clarify these matters.

First, a "tucked-in button down shirt" means any button-down shirt the shirttails of which rest against the upper thighs, yet which are concealed and circumscribed at the top by a belt and trousers. As such, if a shirttail at any time appears outside the pants, the shirt is considered "not tucked-in" and will accordingly subject the offending employee to discipline.

Second, an "inappropriately tucked-in button down shirt" means a tucked-in button down shirt the tucking of which is not appropriate. "Appropriate tucking," in turn, means a tuck that does not result in ruffles, creases or otherwise slovenly shirt characteristics above the beltline. A tuck is only appropriate when the shirttails remain at all times below the beltline without bulging out, creasing or otherwise creating an unsavory appearance. The mere fact that an employee experiences "inappropriate tucking" because he or she sat down at a desk for too long does not cure the offense. An inappropriate tuck is an inappropriate tuck. Our clients expect the best from Cockland; and they do not forgive inappropriate tucking.

Neither do we. Inappropriately tucked-in button-down shirts will immediately subject the offending employee to discipline, up to an including docked pay and termination. We realize that compliance with appropriate tucking requirements may at times prove difficult. For that reason, management has decided to allow employees to cure inappropriate tucking by expeditiously removing all inappropriateness from their tucking within 30 seconds after discovering that their button-down shirts are inappropriately tucked. We believe that this rule both fairly allows for conscientious compliance at the same time it justly punishes flagrantly inappropriate tucking.

Cockland management is determined to realize excellence in all employee endeavors. That is why it has decided to implement these new rules concerning mandatory button-down shirt wearing and appropriate tucking effective immediately. Details may be found in the employee manual, Chapter 45, subsection 7(b).

Anyone who is anyone wears a blue or white button-down shirt every day. And anyone who is anyone appropriately tucks that shirt in; or at least corrects inappropriate tucking the moment it appears. At Cockland, we are committed to bringing maximal satisfaction to everyone who is anyone. That is why we must lead by example. That is why we must tuck in our shirts--appropriately.

If you don't like the rule, you shouldn't be on this team. So tuck in your shirt and start penetrating those accounts like a real Cocklander.

ON THE IMPORTANCE OF AVOIDING MASSIVE CRANIAL DAMAGE TO CAREER SUCCESS IN THE UNITED STATES

TOP NOTCH CAREER TIPS

By : Ms. Vanessa H. Breaker, M.S., University of Texas (Facilities Management); Founder and Chairperson, Help-U-Advance, Inc., a Career Management Consulting Bureau (Houston, TX); Author, You Can Do It : A 10-Step Formula to Achieve Wealth, Success, Money (And Yes, Love, Too); Owner, several real estate tracts in central Texas; Married; Cowboys fan.

Recently, a college graduate came into my office and asked: "How will I ever get a job in this economy? How will I ever pay my own rent?"

I can understand his frustration. By all accounts, times are very hard out there. For people just starting out in the world, life looks intimidating. No one is hiring. No one even gets an interview. And without a job, you can't pay your rent.

But success is possible. It is possible to defy the odds and live the American dream. Anyone can learn how to be successful. There is a recipe for success: You can learn it. Successful people all behave in a similar way. They all have similar habits. By learning those behaviors and acquiring those habits, you can be successful, too. And when you achieve success, you not only get the job, you get the promotion, the raise, the bonus and the beautiful wife, too! Doesn't that sound nice? You bet it does.

So what are successful behaviors and habits? Well, let us begin by stressing that success is a lifestyle. Success is not a hobby; it is a discipline. You must eat, drink and breathe success. You cannot tolerate failure. And you must be tough: This is a race; no one hires the runner-up.

Living success begins at an early age. Successful people get on the track to success when they are children. They understand what they want from life and they commit themselves to excellence. To that end, stable households produce more successful people than broken ones. After all, a child will not develop the basic skills needed to get good grades and work hard if he or she suffers parental sexual abuse and beatings every day. Those challenges make doing math homework difficult. And kids who fail math won't go to Harvard. In that light, a peaceful home is essential to growing up successful: It allows the focus needed to "home in" on success.

Successful people do not give in to distractions. To achieve success, it is necessary to "stay on track." That means working hard, getting good grades, going to bed early, taking instructions seriously and remembering your place. Yet it is easy to forget these rules when peers goad you to go dancing on Friday night, or when you'd rather watch television shows all evening than do your homework. Put simply, distractions surround us every day. And they threaten to derail us from the success track. To resist distractions, you must simply say: "I want to be successful. I will avoid these distractions." It is about mind over matter: Forget the video games: Think about the accounting job you want.

Education is essential to success in America. In bare outline, success means getting a good job at a good company, making good money and owning property. Yet good companies do not give good jobs to just anyone; they only give them to good people with good educations from good schools. In that light, success requires that you get a good education at a good school. That, in turn, requires that you live successfully without distractions. Only children who live appropriately during childhood will get into the schools needed to get good jobs. It is not so much about learning as it is about showing: Firms want to see good grades from good schools. As long as you get into a good school and show the good grades, you will get a shot at the good jobs. It does not matter whether you remember what you learned. And you will stand no chance at all if you don’t get into a good school: Good grades from bad schools will not impress good companies.

Still, successful living means more than just getting good grades. Once you actually get a job, it is essential to observe successful habits. Successful people keep their jobs because they know what is expected. That means they understand their employer's mission and loyally advance it. They also observe decorum by dressing appropriately, speaking respectfully and refraining from all distractions while carrying on the employer's business. In this sense, successful living is all about acting appropriately on the job: Loyal workers advance far. Ultimately, they rise through the ranks. Good companies love loyal workers who suppress their own interests to earn profits for them. Self-sacrifice is a hallmark of successful living: And it is rewarded.

Intangible factors also influence career success. For better or for worse, birth has much to do with success. Wealthy children stand a better chance to live stable early lives. That, in turn, prepares them to "get on the success track" without distraction. Additionally, powerful parents who attended good schools can assure that their children, too, attend those schools. Wealthy parents can also pay large tuitions and urge employers to hire their children. In some cases, wealthy parents are the employers; and they naturally award jobs to their own blood. In this light, the importance of fortunate birth cannot be overstated. Although it is impossible to "learn" how to be related to powerful people, blood is a sure way to get a big head start in the success race.

Still, success is never guaranteed, even for people who enjoy all the advantages. After all, even a minor mishap along the path to success can sink an entire life. A student may develop a drug addiction, ruining his semester grades and costing him a job at a banking firm. A junior associate might have a relationship dispute and perform poorly at work. A promising employee might fall in love and show up late for work. A woman might give birth, requiring her to put off career focus. Put simply, things can happen in life. And they can easily knock a person off the "success track." Just one distraction can unravel a lifetime of work.

And that is to say nothing about the danger of massive cranial injuries. In the above examples, otherwise successful people gave in to distractions through some fault. In other cases, otherwise successful people might fail to achieve success simply because something massively damages their cranium.

Consider, for example, a first-class legal scholar who has done everything right. He has been born into a good family, his father was successful, he had a stable childhood, he followed instructions, he went to bed early, he dressed appropriately, he got into first-class schools and got first-class grades his whole life. He even landed a job at a first-class law firm and the managing partner said: "He is bound to be successful because he has successful habits." He worked hard his whole life and had every reason to expect success. But he amounted to nothing because someone shot him in the forehead with a .38 caliber revolver. This example proves that massive cranial injury can ruin even the most successful lives.

Consider, too, a respected office manager with an excellent salary. This man did everything for his company. He gave up personal relationships to make sure his employer profited. He worked nights and weekends as he advanced up the company ladder. Through his childhood, he followed instructions and did everything he was supposed to do. He never rocked the boat; people called him a square, but it never bothered him because he achieved success. But one day on his way to work he tripped over a piece of fruit and fell into the street, where a concrete mixing truck rolled over his head. Once again, massive cranial injury derailed an otherwise successful life.

These examples say nothing about all the potentially successful people who suffer massive cranial injury prior to achieving success. What about the countless young people who study hard for exams, refrain from drugs, avoid peer pressure and go to bed early, only to be shot in the head with rifles? What about the super interns who give up everything for the company and win glowing reviews from supervisors, only to have their brains dashed out by falling cinder blocks?

No matter the circumstances, these examples teach a clear lesson: Avoiding massive cranial injury is a crucial step on the road to success in the United States. While it is essential to learn positive behaviors to achieve success, it is also vital to avoid being fatally struck in the head while practicing those behaviors. After all, a lifetime of hard work, study, high birth and promise can be instantly destroyed by a single bullet to the brain. That is why the most successful people absorb this lesson: You must not only live successfully; you must also avoid massive cranial injury at all costs.

Massive cranial injury is a worse threat to success than distraction or inappropriate workplace behavior. After all, it is possible to rally from distraction or an office faux pas. But it is not possible to rally from having your skull crushed by a concrete mixing truck. A person's career can recover from an embarrassing extramarital affair or a "C+" on an exam. But it cannot recover from a pointblank shotgun blast to the face.

In all these cases, the lesson emerges: The real key to success in America is to avoid massive cranial injury. After all, no person who suffers massive cranial injury will ever achieve success. And any success he has achieved up to that point instantly vanishes. To that extent, massive cranial injury is the worst thing that can happen to a promising career. Interview mistakes, bad resumes, lackluster university performance and even drug abuse do not threaten careers as much as being brutally slammed in the head with a baseball bat.

You can fix a resume. But you can't fix a shattered cranium. And people with shattered craniums do not get promoted or hired.

In conclusion, if you wish to achieve success in America, remember what is important: Avoid massive cranial injury first. The rest is just details. Because even the best career habits can vanish the moment someone cracks your head open.

YOU ARE AN EXPENDABLE (AND EXPENSIVE) INSTRUMENT : THE UGLY TRUTH ABOUT JOBS IN AMERICA

THE MYTH OF EMPLOYMENT IN AMERICA

PART 2 - PRACTICAL REALITIES

During the 2008 presidential campaign, both Barack Obama and John McCain touted their plans to "create American jobs." No matter what subject they discussed--the environment, the military, the schools--they always related it to the "jobs question." The fact that they talked so much about jobs reveals just how much Americans love jobs. In 2008, Americans were certainly worried about jobs; unemployment was rising after the worldwide financial collapse. They wanted jobs. The candidates understood that. So they talked about jobs.

Since 2008, it has not gotten any easier to get a job in America. Unemployment steadily rose through 2009. Many people lucky enough to get a paycheck during this time got it from some "sub-level" job with no benefits and no entitlements. Americans started to panic about their economic futures on a scale not seen since the 1930s. Why? Because there were no jobs out there. No one was hiring. Skilled workers and professionals compromised; they took jobs with much lower pay and responsibilities than they deserved. That, in turn, left unskilled workers holding the bag. There simply were not enough jobs to go around.

Meanwhile, the old American rhetoric continued to churn: "You must have a job. Go to school to get a job. Learn in order to work at a company one day. You can even learn how to find a job by writing a good resume with the right kind of paper. You can learn how to interview properly, answer employer questions and wear the right suit to the meeting." Yet millions of Americans who followed the program did not get what they expected. Graduates who did everything right found themselves completely unable to land even an entry-level scrub job.

"What happened?" they said. "I got all the right grades, wore the right clothes, wrote the right resume on the right paper and answered the interview questions the way I was supposed to. And I didn't get the job?" Either that, or the employer just wasn't hiring in the first place.

Americans are rightly confused about why it is so difficult to get a job. After all, our history has somehow given rise to an expectation that everyone easily gets a job in this country. When we look back through history, it seems Americans have always been working. Europeans immigrated here to work. They built things. They worked in factories. They worked on farms. Later generations continued working. It was almost a matter of right. Historically, then, America has symbolized work: We provided work as inexhaustibly as our mighty lakes provided fish and our vast plains provided wheat. We were the great "Land of Opportunity." There was always something to do here; and we needed all the labor we could get.

Times have changed. But popular expectations have not. That is why Americans are confused about why it is so difficult to find a job these days. And that also explains why modern jobs are not as appetizing as they were in the past.

Americans simply do not understand how the modern free market system works. To understand why jobs are no longer so appetizing or available anymore, we must investigate how labor operates in the free market system. In essence, jobs are scarcer and more demeaning today than in the recent past because employees are little more than expendable instruments calculated to win profits for employers. At the same time, employee advocacy has fallen, while employer power has grown.

We can begin our investigation with two basic premises. First, people only engage in commercial activity for large profits. Second, jobs are contracts for labor offered by those who intend to use the worker's productive capacity to win larger profits. As such, they are not entitlements; they are private, discretionary relationships that may be terminated at any time. They are, so to speak, a "matter of grace" bestowed by those with enough money to pay.

These two premises lead to two basic conclusions. First, because people only engage in commercial activity for large profits, they offer employment to others on the implicit understanding that they will further their ultimate profit goals. That means that employees are only as good as their profit potential. If they do not further the ultimate profit goal, they are expendable. Second, because employment is a matter of grace, not right, employers assume a necessarily superior position over their employees. This results in a permanently unfair relationship in which one party takes almost all the benefit from the other's labor. All the while, he subjects the other party to ruthless control, discipline and indignity. When the laborer works, in other words, his time is not his. It belongs to the employer. And it all inures to the employer's benefit.

We can more closely understand these conclusions by focusing on the "profit premise." The "profit premise" is the best way to understand both why it is hard to get a job and why existing jobs are so precarious. The "profit premise" takes all the guesswork out of employment. It takes all the subtlety and uncertainty from the equation. Rather, it simplifies the inquiry to simple arithmetic: "Does this employee yield more profit to me than he costs me in expense?" Employees, after all, only have value to the extent that their labor vaults the employer toward greater profit. But the problem is that employees also represent an expense. It is impossible to have profit if expenses outweigh income. In that light, employees must "pull their weight." If they do not justify their cost in profit, they will be fired. And if the employer simply does not have enough money to "purchase" an employee in the first place, he will not hire anyone.

This explains why no one is hiring these days: Companies do not have enough money to spend on new employees. Private employers are usually corporations. Corporate officers, in turn, must answer to the shareholders. The shareholders want profits. If new employees mean threatening the existing profit level, corporate officer cannot spend money on new hires. If they did, they would disserve the corporation and undermine the very reason why people do business in the first place: To make money, not lose it. Corporations have no duty to the public; they only have a duty to deliver a constant profit stream to their owners. Corporations would actually violate their raison d'etre if they hired people as a "public service."

It helps to see the "hiring problem" in strictly economic terms. It demystifies the issues. From a job-seeker's perspective, it also makes life in the job market much easier to understand. After all, the "profit premise" makes all non-profit-related concerns irrelevant: It does not matter what clothes you wear to the interview. It does not matter what paper you use to print your resume. It does not even matter how smart you are or what school you attended. No, all those things mean nothing compared to the ultimate question: Does the employer have enough money to invest in your labor potential? If he does not--or he fears that your labor potential will not generate a suitably high profit level--you will not get the job. It does not matter how charming you are, or how good looking or even how qualified. All that means nothing next to the real issues: (1) Does the employer have enough money to gamble on you? and (2) Will the employer make a big profit on your labor?

In other words, your own talents and will have nothing to do with the employer's decision to hire you. If the economy is bad and the company is unwilling to threaten existing profit levels, you will not get a private sector job. End of story.

Understanding the "profit premise" also helps clarify why companies lay people off. Existing employees present a different question than new hires. Once a private business hires someone, a new relationship arises. The employer has new concerns. Before hiring, the question was whether the company had enough money to invest in another person's profit-creating potential. After hiring, the question is whether the employee is adequately productive. From this point, the employer takes on a more evaluative role. He investigates whether the employee is working "hard enough." He compares the profit generated with the amount he must pay the employee in wages. If the wages are greater than the profit--or if the profit is not sufficiently greater than the wages--the employer lays the employee off. He says there were "cost concerns." The investment did not pay off. So the employer cuts his losses and dismisses the employee. After all, it is voluntary relationship. And the employer can say "good bye" whenever he wants.

Of course, the above scenario assumes that the company has enough money to continue employing people. When the economy tumbles, or when the company suffers overall losses, it loses the ability to continue paying its existing employees. In that case, it does not matter how qualified or productive the employee may be. When continuing to pay wages threatens overall profit levels, employees get cut. That's the "profit premise" at work.

All these examples lead to a more abstract conclusion: Employment is a vastly unfair relationship. Having a "job" not only subjects the employee to ruthless economic appraisal under the employer's "profit principle." It also places him in an institutionally inferior position. Despite all social expectation to the contrary, employment is not a right in the United States. It is a matter of grace. This is significant because a "relationship of grace" is no equal relationship. Rather, only lords, Gods, sovereigns and those with greatly superior power bestow "grace." And only pathetic petitioners and sinful beggars seek grace from their acknowledged superiors.

Some may say that it is an exaggeration to call employment a "relationship of grace." But close analysis confirms it. In a "relationship of grace," a suppliant party seeks the benevolence of another party known to have strength, power and influence. The suppliant throws himself on the master's mercy in a plea for grace. One imagines a lowly feudal peasant begging his local lord for a loan, throwing himself at the lord's feet. Then the lord, with a condescendingly smug look on his face, extends his ring for the miserable peasant to kiss. Once the lord gives his grace, the peasant bursts into tears and thanks the lord for his benevolence. The lord can then count on the peasant's complete dedication in paying back his grace, even if he exacts a sum far higher in obligation than the sum he bestowed in grace.

Isn't this what happens in a modern employment relationship? Isn't this what job-seekers must do to win approval from their lordly potential employers? Don't they have to debase themselves and claw the floor and kiss rings? Don't they indebt themselves to the employer for his generous decision to throw them a few shekels? Isn't it just as pathetic and despicable as this?

No matter what "career experts" say, I cannot escape viewing the quest for private employment in these "feudal" terms. Landing a job requires more than a healthy economy and an employer who can afford to pay you. It also requires a subservient mindset and the willingness to sacrifice individual dignity for "grace," namely a paycheck. To win that grace, employees must kiss the symbolic ring every day. They must shlep to and from their jobs. They must stay awake. They must attend to meaningless tasks intended solely to enrich their employers. They must remain in an obedient position to receive commands for at least 8 hours a day. To add insult to indignity, they must bear all this so that their employer makes a bigger profit. And when they finally go home, they are both physically and spiritually drained. They have neither the strength nor the will to enjoy their own lives. Rather, they live for the employer. They live for their modern feudal lords.

Inwardly, employees thirst for their precious two days (or less) off. They yearn for time that belongs to them, not their lords. But is that not ironic? After all, they fought so hard to get their jobs. They bowed and scraped and sacrificed everything to get hired. Now, once they commit their waking lives to their employer's profit, they dream about the weekends. Is that not somehow disloyal to the lord they pledged to serve? Or at least "less than diligent?"

If you need proof for this proposition, just listen in on some honest employee chatter. Just note how often they mention what they plan to do next weekend or what they did last weekend.

So is this what it's all about? Are these the magical "jobs" everyone wants? Are these the symbols of our strength as a nation? Is this how we all should spend our lives? As expendable economic instruments to be cast away the moment we fail to justify our costs to our employers?

Perhaps it is. Then again, perhaps that is why there is so much unhappiness in our society. Perhaps the unending pressure to have a job stands at odds with what we want as individuals. Yet jobs always win; "what we want" always loses. And we can only ignore "what we want" for so long until we start feeling really, really bad about life.

Worse, what do we gain for all this unhappiness? A paycheck. Only the employer really wins. He doesn't care whether you're happy or sad. You are just a variable in the income/expense equation. You are a figment of the "profit principle," no more.

SURRENDERING, WASTING TIME AND FOLLOWING ORDERS : THE LANGUAGE OF EMPLOYMENT

THE MYTH OF EMPLOYMENT IN AMERICA

PART 1 - LANGUAGE

Last week, the White House announced some encouraging news about the economy. It said that the "Job Report" for March showed "significant gains." Apparently, more people found private employment during the early spring; and that meant more people were getting paychecks. Since late 2008, the "Job Report" had consistently reported losses. So last month's news was cause for celebration: When people have private sector jobs, it is a national victory.

What makes jobs cause for celebration in America? After all, what exactly is a "job," and why do Americans fetishize them so much? Is there something magical about jobs that makes people live their whole lives seeking them and toiling at them? I say no: In most cases, jobs are a poor way to spend your life; and they are sure way to obliterate your spirit as an individual.

Viewed in the abstract, jobs are nothing to glorify. In most cases, they are just a waste of time. People only work because they need to earn money to stave off material ruin at the hands of creditors, landlords, banks and other superior economic beings. They do not enrich people intellectually or spiritually. Rather, they commit people to a "service obligation," namely, unswerving dedication to the employer's economic mission. That economic mission might involve questionable ethics or outright deceit. But jobs require people to put those concerns aside and "do what the company wants." Worse, if the employee does not "do what the company wants"--or if he simply does not justify his cost in company profit--he is fired. If anything, jobs are gloomy reward. In return for a paycheck, an employee not only must sacrifice his time, dignity, ethics and individuality; he must also commit himself to another's material gain. That is a high price to pay for freedom from bankruptcy.

But still Americans thirst for jobs. Everyone wants one. Economists even measure national commercial strength by evaluating "job creation" and "job robustness." In other words, the entire economic system depends on everyone getting a job and doing what they are told so that larger commercial interests can profit and pay more employees. Jobs depend on hierarchies and disparities in power. Some live to benefit the employer; meanwhile the employer makes off with all the money. The employer expects total dedication to his economic mission; he pays just enough wages to keep the employee fed and under a roof. The employee must follow instructions and be productive.

It is not a fair system: No matter what free market apostles say to the contrary, very little labor is actually voluntary in the United States. True, no one is pointing a gun at employees to force them to work. But deluging people with ceaseless economic obligations under threat of homelessness amounts to practical coercion. If the choice is between letting one's children starve and taking an unfair job somewhere, is it really a choice?

If the field is so tilted, why does everyone want a job? If jobs are inherently unfair, coercive and wasteful, why does the White House tout them as the ultimate measure of national success? Does it not say something about our collective life expectations that we view our jobs as the highest expression of who we are? After all, most jobs are quintessentially counter-creative and anti-individualist. To understand that, consider that in American discourse it is often possible to replace the question "Who are you?" with "What do you do?"

Language relating to employment paints a bleak picture. It tells a story of banality, wasted time and exploitation. By investigating a few common words that regularly appear in the employment context, we see an oppressive, anti-individualist motif at work. And in the process, we begin to understand that the whole mythology surrounding "jobs" in America is exactly that: An elaborate hoax that sustains itself on false expectations and wretched servility.

Let us begin with the most obvious example: "Job." The word "job" is ubiquitous in modern American discourse. We cannot escape it. We even think we know what a "job" means; we visualize some guy slapping on a Starbucks apron and serving up mocchachinos for $5.50 a pop. But do we really understand the word? Where does it come from? What does it tell us? Is it really the sacred thing the propaganda tells us it is? Is it really the thing that determines our strength as a nation? Is it the be all and end all of our lives?

Let us look.

No one can agree on "job's" precise etymology. Most scholars agree, however, that "job" relates to the Middle English word "gobbe," meaning a "lump or mass of something," like clay, mud or grime. Dictionary.com says that "gobbe" did not imply "work" in 1400. But by the 17th Century, it began to assume a new meaning. Specifically, it meant a "specific, discrete piece of work done for an agreed-upon price." That distinguished it from long-term employment; jobs were "petty" and "inconstant." The handyman did "jobs," while the priest had a "profession." A person with a "job" was common trash. The fact that the word relates to "gob" tells almost the whole story. Jobs are grimy, unsavory and despicable ways to spend time. They are like lumps of filth with which people contend every day for a few lousy shillings. And they have always occupied the lowest spot on the "employment hierarchy." Only the meanest types worked "jobs." "Better people" spent their time with "professions" or "callings."

In this historical context, who would ever want a "job?" The etymology tells a nasty story. Only common rogues would deign to be "jobbers" slaving away at their daily lumps. What a horrible way to spend a life. While the word "job" may have taken a more neutral meaning over time, etymology never lies. It is indisputable that the word "job" reflects low social standing and abject surrender to a superior master. Only the most wretched people did "jobs" in the past, like cleaning privies or washing horse dung. Yet now Americans fetishize jobs. Who would have ever thought that so many Americans would have wanted to be the linguistic successors to Elizabethan shit sweepers?

Other employment-related words do not really improve the overall linguistic image. Those fortunate enough to avoid having a "job" might have a "career" instead. Like "job," "career" has become ubiquitous in American discourse. And like "job," Americans think they know what a "career" is. They also understand that "careers" are somehow "better" than jobs. They might not know why; it just seems that "career people" make more money than common slugs with "jobs."

But from an etymological perspective, "careers" are just as pernicious as jobs. While "career" has always elevated itself over "job," both concepts do the same thing: They voraciously consume time. "Career" especially implies a lifetime dedication to a chosen economic pursuit. It derives from the Latin word "carriara," meaning a "road intended for vehicular transport." See Dictionary.com, v. 1.1. "career" derivation. The dictionary's definitions stress "career's" temporal demands: "1. An occupation or profession, esp. one requiring special training, followed as one's life work; 2. A person's progress or general course of action through life or a phase of life." Id.

On its face, "career" does not necessarily imply economic service to a private master. But in American discourse, it does. People go to "Career Schools" and learn how to "prepare for their careers." They hear that it is "great to have a career" and that losing a career is worse than death. In all these usages, "career" implies dedication to a particular economic mission. It is wonderful to have a "life's work" if you believe in it, but how many "careers" really inure to individual benefit? A corporate "career," for instance, is not about the worker; it is about the corporation. A lawyer's "career" is about purposeful economic activity, not individual enrichment or creativity. In this light, "careers" in American discourse paint a disheartening image: They show people slavishly dedicated to a particular economic master for their entire lives. While "career people" may need special training to have a "career" rather than a "job," and while they may earn more money at longer engagements than "jobbers," they are no better in dignity. After all, to have an American-style "career," you have to give up your life to a "particular course of action;" you must "get on the road." In most cases, that means disciplined, directed service to a private economic master. If you do that, what time do you have left for yourself? Very little, if any. In this sense, "careers"--like jobs--generally reflect an essential hostility to individuality and creativity, as well as dedication to superior economic masters. And that is exactly how it is supposed to work, too.

American discourse about employment reveals its hierarchical function through other words, too. Beyond the basic distinction between "jobs" and "careers," there are also "professions." In modern American usage, "professions" are "special careers" that involve some unique learning or discipline. They pay more than other careers and certainly more than mere jobs. "Professions" even conjure mystical connotations because they involve special skills that average people cannot even fathom. "Professionals" use highly specialized language. They ply highly specialized procedures to obtain almost miraculous results. Generally, they go to school for a very long time before going into business. And on that basis they demand more money for their services. The word "profession" is all about "exclusivity:" Not everyone can be a "professional." We cannot all be so smart or skilled. If we were, we could pull our own teeth or conduct our own trials--that would not be good for dentists and lawyers.

"Profession's" etymology bears out these colloquial connotations. The word derives from the Latin "professio," meaning the "taking of the vows of a religious order." Dictionary.com v. 1.1 (profession etymology). In modern usage, the word means: "1. A vocation requiring knowledge of some department of learning or science." Id. Professionals, then, are modern-day mystics. Their very name invokes a "religious order." But they are not free spirits; they "took oaths" to the "religious order." This commits them to their "craft," or--in modern terms--their "knowledge of some department of learning or science." And they are essentially secretive: Not everyone can join a secret religious order, let alone master its complicated rituals or rites.

In practical terms, there is not much difference between a "career" and a "profession." Both refer to constant work for pay, most likely in the service of a private master. In that sense, "professions" consume time even more than simple "careers." Some "professions" genuinely do good. But in most cases, "professionals" band together to maximize their profits by exploiting public need for their "special knowledge." And in America, people do not become professionals to do good. They become professionals because they want "high-paying careers." In the process, they commit themselves to the profession's narrow "department of learning or science" for their entire lives, ruling out all else. Like jobs and careers, then, professions work strongly to suppress individuality and creativity. There is simply no time for anything but the profession--and profiting from it.

Finally, there is a general word that applies to almost all employment-related terms: Occupation. In many ways, occupation perfectly summarizes the temporal difficulties involved in employment. It is a relatively simple word; the subtlety lies in the imagery.

Occupation derives from the Latin "occupare," literally meaning to "occupy." But beyond the familiar "occupation," the word implies a "taking of possession of time or space." There is an element of both superior power and control in the word. It implies that someone or something takes possession. Obviously, anyone or anything possessing someone or something else is superior to the person or thing possessed. In this sense, "occupation" requires a subject and an object, a dominant element and a subordinate element. There is an "occupier" and an "occupied object." It is all about power.

These are revealing insights when applied in the employment context. After all, if a person has an "occupation," who is occupying and who is being occupied? Does the work "possess" the worker, or does the worker "possess" the work? I would venture that the work possesses the worker. It possesses his entire being, including his mind, his time, his creative strength and his focus. He allows someone to occupy him for pay. But he sacrifices his dignity in exchange. It is fundamentally submissive. And it confirms the essential power struggle that pervades all employment relationships: Someone occupies; another is occupied. The occupier profits by occupying the occupied object; the occupied object receives "compensation" for allowing the occupation. Yet make no mistake: It is always the occupier who holds the power, just as a carpenter holds power over his tools.

Where does all this leave us? It leaves us with an ugly picture about employment. American employment propaganda tells us that we should all want jobs or careers. Or a career of jobs. Or maybe a profession, or a professional career. Or at least an occupation. But if we understand what those words actually mean, we should hesitate before so zealously pursuing them. Jobs are just gobs of nasty filth. Careers are time thieves. Professions are hypnotizing, mind-narrowing cults. And occupations are invitations to be "possessed" or "owned." They are all about surrender. They are all about submission.

But maybe that's the point. Maybe we're supposed to surrender and just do what we are told. After all, the White House says we're a stronger nation when we all have jobs.

That is pretty scary if you ask me. Then again, not everyone reads the dictionary like I do.

THE MYTH OF EMPLOYMENT IN AMERICA

OESTERHOUDT STRIKES

Over the next few days, I will write several interrelated essays about employment in the United States. I often write about employment, both in expository and in satirical form. But in these essays, I want to methodically go to the heart. I want to write "Oesterhoudt's Manifesto" on employment in America.

I believe that America has a dangerous "employment fetish." It has completely warped people's minds. True, America has always been "all about work." Yet in recent decades, the line between life and work has blurred considerably. People fanatically give themselves over to their employment without a second thought. They sacrifice what little dignity they have serving a master for comparatively little compensation. And they chase employment like the Holy Grail: A whole social system of propaganda has grown up around the idea that "you must have a job;" and that you should be ashamed of yourself if you don't.

But it is not easy to get a job these days. After all, everyone wants one, and they do not just magically appear. You can't watch the news without hearing about America's "critical job situation." Most people cannot understand why it is so difficult to get jobs. I will explain that the archetypal private sector job is no entitlement. Rather, it is a matter of grace.

In my essays, I plan to utter the final word about the employment "hustle" in America. To do this, I will explain what private sector jobs mean in strictly economic terms. I plan to explain that "jobs" are not rewards for employees. Rather, they are calculated investments in which the employer gambles that human labor capacity will make him a profit. If he does, wonderful. But jobs mean employer expense, too. And if a job costs more than it yields, out goes the employee, even a former "Employee of the Month."

Jobs are simple mathematics: If they cost more than they generate, they are gone.

This is why I recoil from all the rhetoric about "private sector job creation." It is impossible to stimulate job creation without flushing private employers with cash. Employees are expensive investments; and employers can only gamble on investments if they have money. In this light, private employment depends on healthy economic times for the employer. If he's not making a profit in his field, he won't be hiring anyone, even Superman. In brief, it is impossible to talk about "job creation" in the abstract. Only the changeable winds of private market economics dictate whether more employees get to feed at the employer's profit trough.

I also plan to write about the social mythology that pervades discourse about employment. To deconstruct the myths, I will explore language relating to employment. In the past, I have debunked commerce by exploring common commercial words and their etymologies. Now, I will debunk employment by exploring words like "job," "occupation," "career" and "profession." I will dive into etymology to analyze what conceptual complexes operate in these words. In the end, I will show that employment is nothing to glorify. Rather, I will demonstrate that it is just a crude, unfair system that perpetuates social inequalities and obliterates individuality in society.

I will begin addressing these issues tomorrow. As I have mentioned in recent weeks, my schedule has become somewhat more hectic lately. I will do my best to write all the essays on employment this week. But just in case I miss a day, you can attribute it to my exciting new schedule.

Thanks for reading!

Oesterhoudt

HEALTH INSURANCE BILLERS REFUSE TO GO QUIETLY

AN OPEN LETTER TO PRESIDENT OBAMA ON BEHALF OF ALL PRIVATE HEALTH INSURANCE BILLING PROFESSIONALS NATIONWIDE

Dear President Obama,

For months now, my colleagues and I have watched you with trepidation. We watched as you and your Democratic majority in Congress rammed through a health care reform bill that threatens to upend Americans' control over their lives. Although Scott Brown's amazing Senate victory in Massachusetts promises hope for the future, we nonetheless feel it necessary to voice our concerns as Americans and health care professionals.

During your State of the Union Address last night, you vowed to continue the fight to reform health care in America. You said that millions of Americans remain uninsured. You declared that "private health insurance companies" reap "massive" profits while "common people" struggle to pay inflated bills. You claimed that privately-administered health insurance is the reason why America fell into a "health care crisis." You even suggested that America must move closer toward government-run health care to curb the influence of insurance companies and lobbyists.

Mr. President, you are gravely mistaken. Government is never the answer. Only private enterprise can deliver quality goods and services to Americans at reasonable prices. Only vigorous competition between rival economic interests can ensure the innovation Americans expect from any industry. Just because the health care industry deals in human illness does not make it different from any other business enterprise. People who work in health care need incentives like anyone else. If government starts meddling in health care, doctors might not earn what they deserve. Inventors might not enjoy the protection they need to profitably guard their discoveries. And every day Americans will certainly lose the cherished freedom to choose where to seek health care. As Americans committed to liberty, we find this appalling.

But health care reform will not just destroy liberty. Health care reform will also destroy jobs. Mr. President, our American health care system works because it runs like a well-oiled business machine. Like any good business, the American health care system has great accountants. Everyone pays what they owe; no expense ever falls through the cracks. This encourages both responsibility and financial discipline. Americans know that they must pay for everything they receive in a hospital or at a doctor's visit. That encourages them to be judicious in seeking medical care, as well as to make prudent economic decisions when addressing their health care needs. Health care is a consumer product in America. And stringent health care billing practices are the reason why American health care is so good.

Health care reform will curtail private health care opportunities. If the government intervenes to pay medical bills, there will be little need for private health care insurance billing professionals. If government suddenly steps in and says: "This man has diabetes. We are handling his care and paying the bill," that man will not receive a private bill. Consequently, there will be little need for hospitals and insurance companies to employ hundreds of accountants, actuaries and typists to draft thousand-page itemized bills for every patient. Yet thousand-page itemized bills are precisely the things that make the American health care system so wonderful. Thousand-page itemized bills make the health care world go around in America. If health care reform succeeds, thousand-page itemized bills will become unnecessary. And so will the millions of American workers who make them possible.

We are Private Health Insurance Billing Professionals. We refuse to allow President Obama to destroy our jobs. We refuse to allow Obama-Care to eradicate our livelihoods. We refuse to stop itemizing charges for 5g of hospital pudding on 4/3/08 ($459.90), 30cc of Titrium Chloride on 4/4/08 ($1,983.08), one night, hospital room (standard special rate) on 4/4/08 ($7,000), and lower rhomboidal surgery plus anesthesia on 4/5/08 ($497,632.26). We went to school to do what we do. Billing is not easy. Yet it is essential to run any business, including the American health care business.

Mr. President, screw your health reform. As professional health billers, we say now: "Hell no, we won't go." If health reform means giving up our Excel® spreadsheets and expense logging software, we say: "Hell to the naw-naw, mah niz-aw."

Leave us alone. We are productive American workers. We stay up for days at a time tabulating hospital meal costs, hospital linen charges, surgery costs, financing charges for doctor visits and outpatient anesthesiology service payment schedules. We even tack on progressive interest rates for all this shit. We do not have an easy job. But we receive good wages and we pay good taxes. We support families on the wages we receive from sending angry collection letters to penniless amputees. We send children to school on the cash we receive for mailing book-sized bills to destitute underinsured cancer victims. And our taxes help keep this Nation strong. How dare you introduce reform that threatens our jobs?

Mr. President, you must not reform health care because reform impacts private health insurance billing professionals. American life is all about paying bills. Some even say that the meaning of life in this country is making timely monthly payments on this, that and the other thing. If you attack health insurance billing, you attack the very meaning of life in America. Where would Americans be if they no longer had to fret over insurmountable medical bills? What reason would they have to live? Health care bills dominate American lives. If your "reform efforts" sweep them away, you will open a tragic void in every American's life.

What good will flow from that void? After all, bills keep Americans honest. It keeps them at work. It keeps them responsible. If Americans no longer live to fear bills, they will lose all respect for authority. They will no longer look for employment. They will begin leading debauched, wasteful lives. Only bills maintain order in our society. Think seriously on it, Mr. President. Any effort that reduces the influence of bills on Americans chips away at our country's very core.

And any effort that eliminates bills means that important people don't get paid. When that happens, God help us: I quake to think what a radiologist would do if he knew he would no longer receive $925,000 a year due to "health care reform." Radiologists are not schmucks. As a Nation, we cannot allow radiologists to receive a meager $800,000 a year for their work.

Stop disrespecting professionals. We are private health care billing professionals. We might not be as important as radiologists, but we are nonetheless professionals. We learned how to meticulously track fees and expenses. We even read textbooks, listened to lectures and took exams. We went to school and we learned how to bill like pros. We don't deserve unemployment for our toil and study. No, we deserve a place in the economy. More to the point, we deserve a hallowed place because our efforts keep every American responsible. Our work reminds every American that there are no free lunches in this country. In fact, we remind every American that every little piece of the lunch has a specific price--and they need to pay every penny to avoid financial ruin.

Mr. President, we urge you to scrap health care reform at once. It makes no sense to sacrifice America's commitment to responsible free market principles in order to grant charity hospital stays to a few stinking beggars. More pragmatically, it makes no sense to destroy the private health insurance billing profession. Professions are valuable; government should support them, not destroy them. And our profession is much more significant than most people realize. Without us, no doctor would get paid and no American would fear bills.

For a moment, think about how dangerous our society would be if every American suddenly stopped worrying about bills. It is too terrifying to even consider. That is why you must abandon health care reform once and for all.

Defend private health insurance billers. We remind every American that everything has a price. We keep every American fixed on his duty: Paying prices. The next time you get a thousand-page bill for a two-day hospital stay, thank us. We are actually doing you a favor by maintaining the American economic system as we know it. And you have to admit: It's pretty damn good.

That's because everyone fears bills and works to pay them. You can thank professional billers for that.

Mr. President, forget about reform. Think about jobs and responsibility for once. Enough with the justice rhetoric. Americans don't want hope. They want accurate bills, secure services and competitive prices.

Think about your poll numbers. If you really want to be popular again, drop this foolish health care crusade. Give power back to the private health insurance billers. It is the only way to save America's economic soul.

Yours very sincerely and truly,

Prof. Gabriella F. Trackett-Goode, B.S. (Health Care Billing Systems)

Assistant Professor, Medical Accounting & Billing Science
Amboy Community College, Perth Amboy Twp., N.J.

Consultant, The Bayer Group LLC (a Fortune 100 Company Specializing in Effective Billing Strategies for the Pharmaceutical Industry)

HOUSING SPECIALS FOR TOUGH TIMES

REAL ESTATE MINUTE

At Reason, Commerce, Justice and Free Beer, we care about your well being. We understand that in tough economic times like these, even hard-working citizens find it difficult to secure basic necessities. Housing is a particularly difficult issue for many Americans. As employment shrinks, so too does the opportunity to locate affordable housing. For centuries, buying a home was the American dream. And now it is getting more and more difficult to realize that dream.

We understand that it is simply not possible to buy a home anymore. You need a lot of ready money to buy a home. And when you do not have a job, you don't have ready money. With unemployment now hovering around 20% nationwide, new homebuyers are virtually non-existent these days. Renting is the only way to go. In that light, we are pleased to offer our readers special information about rental properties.

We are committed to helping you survive this crisis. We encourage you to keep looking for work even if you've submitted 750 resumes since last fall and no one interviews you. We all need to dig deeper. We all need to cut expenses and save. We need to start hoarding coupons and looking for deals. When money is scarce, we need to adapt. That is why we are happy to provide some inside information about affordable housing deals. After all, you can't look for a job if you're homeless. You can't revise your resume if you live in a garbage can and spend all your time scrounging for discarded restaurant food.

Today, we are proud to associate with brokers from New York City's Manhattan Happy Homes Co., Inc. Like us, Happy Homes is committed to helping you find the home of your dreams--on a budget. Below, Happy Homes lists five excellent deals on New York rental properties. This is an exclusive offer. You--our readers--are getting a special first look at them before Happy Homes opens them to the public.

We are honored that Happy Homes cares about our readers. We sincerely hope that you will find a home today. And good luck on your job search! Keep your chin up. If you are determined, you will get a job, even on the 1000th try. Winners don't give up. From all of us here at Reason, Commerce, Justice and Free Beer, we salute our readers for their determination and resolve as they make their way through the storm.

Best wishes--and happy home hunting.

LISTING #1 - SPACIOUS LOFT!!! UNBELIEVABLE RENT!!! WON'T LAST!!!

You won't get space like this very often in New York! This is a must-see converted loft space for the adventurous tenant. It's a charming prewar building with reliable running water and optional heat. You will LOVE the period windows and high ceilings. Great ventilation and lighting from all sides, including skylights. Space is available for dishwasher, washing machine and dryer. Your friends will love the old-fashioned wall fixtures. Original flooring will blow you away. A little work will help. Wiring and plumbing negotiable. You even get FREE WATER! This is real, gritty New York living at its best. Pet-friendly building! And for $17,500 a month, it's a steal. Call today--it will be gone soon! (Two months' security, plus credit check, bank verification and board approval required for lease signing).

LISTING # 2 - CHARMING STUDIO IN CHELSEA - A BARGAIN HUNTER'S DREAM

Now THIS is a deal! Cozy Chelsea studio in a beautiful modern building complete with functioning elevator and lighting. Great neighborhood near nightlife, schools, transit, bars, buses and grocery stores. AMAZING SQUARE FOOTAGE : Plenty of room for furniture and appliances, too. Simple design with great potential for decoration and entertainment. Electricity included in rent! Pets allowed! A perfect bachelor pad or first apartment for new college grads. Best of all, it's a budget apartment: Only $8600 a month!!! That's right, only $8600 a month!!! You won't get a great price like this ever again to live in such a hot neighborhood. Isn't it time to treat yourself? Come on down and live in one of New York's HOTTEST areas in a HOT apartment--all for a bargain price (Full employment history must be submitted along with application, plus four months' rent and a blood sample. Landlord reserves right to reject African tenants, financial ability notwithstanding).

LISTING # 3 - OH YES - ORGANIC LIVING RIGHT IN CENTRAL PARK

Isn't it about time you went green? Well now you can with this UNBELIEVABLE rental smack dab in Central Park. Great views and lighting at all times. Heating optional (wood is available nearby for fires). Homemade plumbing system and spacious rooms make this apartment a MUST-SEE. Windows are original and charming. Pet friendly! Your dog will LOVE IT HERE! No worries about walk-ups here; it's all on the ground floor. This home is a MUST for culture and nature lovers. Plus you're just a stone's throw from the Guggenheim, 5th Avenue and all the bus lines. If you are committed to the environment AND you're chic, this is the apartment for you. Central Park address... does it get any better than that? And what a deal: It's yours for just $24,940 a month!!! Rent-stabilized!!! Call today. Don't let this one get away. (Tenant must replace all thatch, mud and dirt. Tenant is responsible for digging own privy. No exceptions. Only tenants with verifiable income over $450,000 per year (net) need apply).

LISTING # 4 - EAST VILLAGE - JUST WOW !

Incredible East Village one-bedroom in TOTALLY HAPPENING tenement building near Tompkins Square park. If you want cool, you've come to the right place. All original staircases, windows, fixtures and plumbing. FREE walls and FREE doors. We're talking EAST VILLAGE HIP here, baby. Steps from AWESOME coffee shops, thrift stores and wine bars. Not far from train lines, grocery store and pharmacy. A little work would make this classic New York apartment EVEN BETTER. Perfect for the working professional with demanding standards. Perfect for dinner parties, guests and business meetings. If you're ready to GET ON THE VILLAGE SCENE, look no further. It gets no better than this. And all for a measly $11,500 per month!!! Believe me, you WILL NOT find a rent this low ANYWHERE else in the village. Do it now. Don't lose out. (Subject to board approval. Only applicants with credit scores over 900 will be considered. No unemployed people. No homosexuals unless they agree to pay two years' rent upfront and indemnify landlord against property damage arising from homosexual activity (including unauthorized decorating)).

LISTING # 5 - MIDTOWN STUNNER - AMAZING VIEWS - GRANITE COUNTERTOPS

You will LOVE this cute and CAVERNOUS two-bedroom right off Bryant Park. Steps from 6th Avenue and Times Square. STUNNING all-granite countertops, modern kitchen and bath make this beauty a STEAL. Amazing West views provide great sunlight. Some electrical work needed, but not much. Original, modern flooring with a twist of natural charm. Your friends will LOVE the quaint lighting and brand new appliances. FREE running groundwater. Pets ALLOWED! Stalactites offer INCREDIBLE and UNIQUE decorating opportunities. Take it from us--when it comes to midtown, you will NOT find value like this for the money. When you're ready to dig your own hole in Manhattan, THIS IS IT. It's yours for just $37,000 a month. Don't wait! Call today! (Bathrooms and doors not included. Underground lake provides free plumbing. Tenant agrees to generate own electricity. Tenant agrees to hold landlord harmless for injuries resulting from cave collapse, falling rocks or subterranean animal attacks--no exceptions. Six months' security plus criminal background check required. Signed lease grants landlord right to sleep with anyone in tenant's household subject to notice. Failure to honor such right will result in material breach of lease and render tenant liable for full outstanding lease amount, plus treble damages. Tenant agrees never to bring any legal action against Landlord for any dispute arising out of this Lease for any reason whatsoever, including death).

THE NATIONAL ASSOCIATION OF HEARTLESS FORTUNATE PRICKS COMMITTED TO SOLVING EVERYONE ELSE'S PROBLEMS WITH CONDESCENDING PLATITUDES AND RUDE QUIPS

POLITICAL PARTIES FOR A CHANGING WORLD

By : Mr. J. Curtis Hinckley, Official Party Spokesman; Ph. D., Yale University (Business Communications); Former Chairman, Conrad, Killrath & Wedgeworth, P.C., A Professional Corporation Serving Professional Corporations in Professional Matters Professionally; Member, The United States Guild of Tax Examiners; Crossword Puzzle Expert; Married; Real Estate Owner (free and clear of all liens and encumbrances); Senior Partner; South Florida Responsibility Association; Untroubled Man.

Some people have it. Some don't. Some people grew up in stable households with good parents. Others frittered away and went off track. Basically, some people have problems and can't move on.

It takes some skill and good fortune to achieve success in America. We are happy to say that we are both skillful and fortunate. We are successful men and women. We never faced life-threatening illnesses, financial misfortunes or even the occasional insult during childhood. Rather, we had it pretty easy all the way through: We got jobs, we advanced, we made money and here we are at the top of the heap. Our parents always helped us. And they didn't die until we were good and ready for them to.

Life is not that difficult as long as problems don't materialize. It takes stability to achieve success, and problems make stability impossible. For example, it's impossible to get good grades all the way through high school, college, professional school and beyond if your mother falls ill and no one can take care of her. And without good grades, you can kiss a good job goodbye. Stability is essential to success. Yet it's so easy to experience problems. But when you have your eyes on the prize, you can't let yourself get bogged down in illnesses, love affairs, obsessions or far-flung emotions. You need to focus in and get the job done.

As successful people who never experienced significant problems, we find it extremely tiresome to hear about people with problems. After all, we made it. We could really care less whether someone else makes it. And in most cases, we are quite certain that other people don't make it because they are just not smart enough to overcome their problems. For a long time, we simply kept to ourselves and enjoyed our success. But we've had enough listening to others whine about their troubles. That is why we came together to form the National Association of Heartless Fortunate Pricks Committed to Solving Everyone Else's Problems with Condescending Platitudes and Rude Quips. If people want to complain about difficulty in their lives, we are ready to help out with glib, dismissive, smug and mean offhand comments.

Look: We don't have anything to worry about. We pay our bills. We get along fine at our jobs. We have stable families. That gives us a unique insight into others' lives. When we see others with problems, we can sit back and identify what's wrong. Then we can pronounce a cursory judgment about what to do. True, not everyone can enjoy a problem-free life. But we are happy to lend our one-line wisdom to everyone who is doomed to struggle in this world.

Let us start with unemployed people who are looking for work. They say they have been searching for months. They say they attend job fairs and troll internet postings. They say they have circulated resumes to hundreds of potential employers. They say that no one is hiring. They say that they are even willing to work for lesser pay and no benefits. They say they can no longer collect State unemployment insurance. They don't know anyone who can find them a job. They are worried to death because they have families to feed and rent to pay.

We have a simple answer for job-seekers: "Get a job." We are Heartless Fortunate Pricks. We are not unemployed. It's too bad that you don't have a job. But hey, you just need to try harder. Just get up and get a job. It's not rocket science. You can do it if you try hard enough. If you've already been trying for over a year, well, sorry. Gotta dig a little deeper there, pal.

Frankly, we find all these complaints so tiresome. After all, we never had to worry about getting a job. We had jobs waiting for us from day one. It is inconceivable to us how a person could not have a job. That is why we say: Just go get a job, already. How hard can it be? For goodness sakes, just go do it.

Let us move on to people with health problems. Some people do not achieve success because they come down with some debilitating illness. Some people get cancer and give up on life. Some people develop mental disorders, like depression and anxiety. Others suffer horrible accidents that leave them paralyzed or maimed. Still others have chronic diabetes, HIV, liver problems, kidney difficulty and even carpal tunnel. No matter what ailment plagues them, their complaint is always the same: I can't achieve my goals because I am sick and I am in pain.

Sick? In pain? So what? Success comes to those who work at it, whether they are sick or not. As Heartless Fortunate Pricks, we have a platitude for these folks: "Keep your chin up." Sure, you might call that a dumb thing to say, but who really cares? We still have our houses and jobs while you're staring death in the face. We even get to have sex four times a week while you're bed-ridden and eating through a nose-tube. Too bad for you. Look, we're trying to help you out here. Just keep your chin up and you'll be fine. You've got nothing to worry about. And for all those people who say they are "depressed," we have something else to say: "It's all in your mind." We don't really understand what you're going through, but from our perspective it all looks pretty silly. Just pull yourself up by the bootstraps and get on with it.

We are healthy. We have really good lives. We don't feel pain every day, nor do we suffer from life-altering disabilities. We have all our limbs and we even urinate comfortably. We don't catch diseases and we are not about to die. We don't even know anyone who suffers from heart trouble. As Heartless Fortunate Pricks, we live in a contented world. That is why we are uniquely situated to pass judgment on your problems. We are pleased to offer you Rude Quips and Condescending Platitudes to help you make it through your adversity.

Next we consider people who claim that "family problems" make it hard for them to cope with everyday life. These problems include abusive husbands who browbeat and whip their wives every night with a belt. Or a mother who struggles to raise 10 mentally-handicapped children without a partner or an income. It might even include a child who grows up in a broken home surrounded by drugs, crime, violence and despair.

These folks say that they are "emotionally disturbed" because they have no "peace at home." Without peace at home, they cannot focus on schoolwork, careers or advancement. Put simply, because they do not have stable family lives, they cannot achieve success.

We have advice for people with "family troubles." To the wife with an abusive husband, we say: "Stand up to him and be tough." To the mother who struggles to raise 10 mentally-handicapped children without a partner or income, we say: "Hold the course; you'll make it." And to the child living in a broken home, we say: "Don't blame your family for your own shortcomings."

In all honesty, we find these "family problems" to be poor excuses for failure in life. Just because a husband abuses his wife does not excuse the wife from earning a living or winning a promotion. A strong woman can persevere through everything, even daily beatings. Success is there for the taking; strong people take it no matter what challenges they face. And just because a mother tries to raise "special needs" kids without an income does not entitle her to sympathy for failure in life. After all, she's healthy and strong. If she really had the desire, she could change diapers, buy clothes, clean the house, manage medications, take the kids to doctor visits during the week, commute, cook meals AND hold down four full-time jobs in two States.

What's stopping her? "I'm so stressed out," she wails. Bullshit. She's just flat-out lazy.

There's nothing wrong with our families. We've never dealt with violence or drug use in the home. We've never had to care for "special needs" kids or mentally-handicapped midgets. We have obedient wives, good kids and plenty of money to pay the bills. Everyone has health insurance in our house. Everyone follows a predictable daily schedule. We know how to live. We don't have "family problems," and they don't distract us from giving our all at work. That is why we simply do not understand how so many people can complain about their "family lives." From our perspective, they just need to dust themselves off and get a grip.

You can solve your problems. In America, it's your responsibility to manage your own life. If you can't hack it, that's your problem. Don't look to others for help. No one has an obligation to help his neighbor in this country. Still, although we are Heartless Fortunate Pricks, we are happy to provide Condescending Platitudes and Rude Quips to help you through your toughest times. We don't claim to understand your issues. But we are prepared to minimalize, trivialize and ridicule them for your own good.

So for the last time, we say to everyone who has problems in the world: "Just get out there, get up, get a job, work harder, move on, feel better and do it right."

Trust us. You'll be fine. There are plenty of people who have it worse than you. But we don't.

MAKING STIMULUS WORK : AMERICANS WOULD RATHER HAVE JOBS THAN ART

ECONOMIC POLICY CONTRIBUTION

By : Mr. Cornelius D. Zimmerman, Ph. D., Senior Fellow, The Employers' Coalition for Effective Stimulus Through Greater Executive Compensation; Former Director, Gerstein Industrial Paint Co., Inc.; Author, "Money Talks : Paying for Loyalty is OK" (Bantam Business Publications 1997); University of Pennsylvania Business School (M.B.A. 1969).

For over a year now, our government has assumed an unprecedented role in our economy. Following the disaster that befell Wall Street last autumn, Washington has literally foot the bill for private investment losses. If employers need extra cash for operations, they just need to ask the government for it. If a corporation is running low on money for executive bonuses, it just needs to fill out some forms claiming "economic difficulty" and it gets a fat federal check. Washington calls these measures "economic stimulus." Still, many companies feel embarrassed about taking government handouts. But as business owners and employers, we say this: Do not be ashamed to take free money.

As a general rule, we believe in hard work and earning your keep. When we raise our children, for instance, we teach them that nothing is free. We teach them that traditional, daily employment is the only way to respectably earn money. We even teach them to feel ashamed for accepting too much help from other people. After all, a good, zealous worker needs no extra help. If he does, that means he has failed somewhere. Put simply, we do not appreciate government efforts to help people who are too lazy to work, or people who fail. When you fail, that's your problem.

Still, we relax our stance when we benefit from government spending. Workers should feel ashamed to receive government help, but we do not feel ashamed when the government bails out our companies. After all, our companies are necessary to the economy. Employees are less necessary. Anyone can type data into a spreadsheet. But not everyone can sit at a Directors' meeting and ask blustering questions about finance. We are different. Without us, employees would not have a place to work and earn. In that sense, it is perfectly acceptable for major companies to receive government aid without any shame at all. In fact, we deserve it. When government gives major corporations money, it acknowledges our vital role in the national economy. We salute the Federal government for its recognition that private corporations must remain profitably funded in order to maintain our free market system.

Yet government's willingness to spend money to support private employers introduces new issues. How can businesses benefit most from government's new largesse? We founded The Employers' Coalition for Effective Stimulus to answer exactly that question. If government wants to spend money to help pay our bills and our executive salaries, we think it is important that government spend effectively. Effective spending means cutting away needless expenses and putting money in the right places. That means guaranteeing two basic things: (1) That executives continue to receive their pre-2008 salary levels; and (2) That companies can employ more people at livable wages. Executives must receive their old pay because no business professional will take risks without it, and companies must hire more people because more employees mean more profits for executives, particularly when government pays for them. Without profits for executives, the whole system collapses. Who would want to run a business without profit? Thus, when government spends money on private companies, it must bear these two goals in mind.

Stimulus is still a relatively new concept in Washington. We believe that Washington can benefit from executive consultation on stimulus programs. First, we insist that Washington increase stimulus for our companies. Americans want jobs. We can give them jobs if Washington gives us money to pay them (less a service fee payable as executive compensation). Washington knows that Americans want jobs. Yet it sabotages its own stimulus efforts by wasting money on things Americans don't want, like art. At present, Washington spends billions on extraneous initiatives like the "Federal Writers' Program," the "National Endowment for the Humanities," the "Federal Performing Arts Fund" and many other "artistic" endeavors. This is pure waste. Americans could care less about art. However much they cared about art in rosier times, they don't want it now. No one wants to look at paintings when they are unemployed; they want a job. In a word, jobs are more important than art.

By targeting useless spending such as the National Endowment for the Humanities and the Federal Sculpture Society, we free up cash for job creation. By streamlining Federal aid, we ensure that money goes where it is needed most: To private employers. When more government aid fills corporate accounts, that means more jobs. Yet when government wastes money on photography, essays and art history lectures, that means less money for private employers. And when that happens, Americans lose jobs. It is no answer to say that private employers can pay their own employees. That is not the point: The point is that more money for companies means even more jobs for Americans. Neither we nor the American people will further tolerate government spending that prevents Americans from getting jobs. Put simply, every time the government spends money on art, it costs thousands of American jobs. This must stop.

Art does not pay medical bills. It does not send children to private colleges, nor does it pay mortgages. Art does not buy furniture, groceries or electronics. In a word, it is useless. In difficult economic times like this, Americans do not need useless things. They need jobs. They need things that will save them from bankruptcy and ruin, not pornographic sculptures and left-wing theater pieces. The Coalition understands the American people: The American people want jobs, not art. We know that Americans would much rather have a job at the local insurance company than free admission to an exhibit on splatter painting. Stimulus will not reach its full potential until government halts competing support for art.

America does not need art. America needs stimulus that works, not decadent luxuries like painting and novel-writing. Cutting arts funding will help us on the path to universal private employment. But there are other ways to create jobs beyond effective stimulus for private employers. For example, the Federal government can provide funding to private entrepreneurs to round up and burn existing art. Just as government created ready jobs for unemployed workers in the 1930s, so too can it create ready work for the unemployed in 2009. There are millions of artworks in the United States. Unemployed people can immediately get back to work looking for them, seizing them and destroying them. Even more Americans can stack up paintings, while still others can feed them into fires--all for decent pay. Skilled contractors can build furnaces for artworks, keep them fueled, clean them and maintain them. Thousands more can drive trucks transporting artworks between furnaces. Unemployed accountants can count how many artworks are burned each day at each furnace, then draw up ledgers detailing trends and productivity. These measures will provide immediate relief to millions and pay them a dignified wage. Furthermore, they will give unemployed people hope and a new sense of national pride.

We can do this. We must simply start rounding up and burning art. This is stimulus that works.

Americans can do anything they put their minds to. When Americans have a purpose, they are stronger than anyone else on earth. We can survive this recession by reevaluating what it means to live in America. There is nothing wrong with accepting government assistance. When stimulus stimulates private spending on employment and executive compensation, everyone wins. Additionally, when government shows the people that it cares about their jobs and even creates work for them, they feel proud to live in a country that cares for them. We can accomplish all these goals by cutting arts funding and destroying existing art. Thousands of Americans need work. Millions more need hope. Effective government spending will ensure that they all get well-paying, private sector jobs within the next twelve months. Anyone who wants a job will have one. After all, anyone can burn art. Even disabled people can play a part by telling able-bodied workers where to find hidden art.

For over two hundred years, artwork has accumulated in the United States. Destroying it will take years. During that time, millions of Americans will receive excellent wages. They will be able to afford their own health insurance, feed their children and even buy homes. Destroying art will provide all these benefits. And what will we really lose? Americans would rather work than look at sculptures or drawings. Employers would rather make suitable profits than cut jobs. Yet this is precisely what they will have to do if government does not streamline its stimulus efforts. In today's economy, government cannot afford to waste money. It must ensure that every dollar results in job creation.

Let us move forward. We can overcome this depression without socialism. We must merely spend money where it counts: On private employers, not art. Spending money on art led this country into despair and depression. Let us take our prosperity back. It is time to spend money on things that Americans want: Jobs. By paying executive compensation and destroying art, Americans will get all the jobs they want.

Let us get back to work. If you are out of work, tell your Congressman to abolish arts funding. And mention that you are ready to help look for paintings, sculptures, sketches and picture books. We have a new mission as a people: To work, not to hoard wasteful art. Burning art will unite us all.

Better days are coming. That means more jobs and less art.