This Is No Time For Complaints
<p><span word="David">David</span> <span word="Hirsch">Hirsch</span> <span word="hasn">hasn</span>'<span word="t">t</span> <span word="forgotten">forgotten</span> <span word="the">the</span> <span word="unhappy">unhappy</span> <span word="phone">phone</span> <span word="calls">calls</span> <span word="he">he</span> <span word="used">used</span> <span word="to">to</span> <span word="get">get</span> <span word="from">from</span> <span word="clients">clients</span> <span word="back">back</span> <span word="in">in</span> 1998 <span word="and">and</span> 1999. <span word="A">A</span> <span word="director">director</span> <span word="at">at</span> <span word="Credit">Credit</span> <span word="Suisse">Suisse</span> <span word="Private">Private</span> <span word="Banking">Banking</span> <span word="USA">USA</span> <span word="in">in</span> <span word="Chicago">Chicago</span>, <span word="he">he</span> <span word="was">was</span> <span word="carefully">carefully</span> <span word="investing">investing</span> <span word="clients">clients</span>' <span word="money">money</span> <span word="in">in</span> <span word="blue">blue</span>-<span word="chip">chip</span> <span word="stocks">stocks</span>, <span word="earning">earning</span> <span word="them">them</span> 15% <span word="to">to</span> 20% <span word="in">in</span> <span word="annual">annual</span> <span word="returns">returns</span>.</p><p><span word="But">But</span> <span word="that">that</span> <span word="was">was</span> <span word="a">a</span> <span word="time">time</span> <span word="when">when</span> <span word="some">some</span> <span word="investors">investors</span> <span word="were">were</span> <span word="earning">earning</span> 50% <span word="or">or</span> <span word="even">even</span> 100% <span word="returns">returns</span> <span word="in">in</span> <span word="tech">tech</span> <span word="portfolios">portfolios</span>. <span word="Some">Some</span> <span word="of">of</span> <span word="Mr">Mr</span>. <span word="Hirsch">Hirsch</span>'<span word="s">s</span> <span word="clients">clients</span> <span word="pulled">pulled</span> <span word="their">their</span> <span word="money">money</span>, <span word="grousing">grousing</span> <span word="that">that</span> <span word="he">he</span> <span word="wasn">wasn</span>'<span word="t">t</span> <span word="serving">serving</span> <span word="them">them</span> <span word="well">well</span>.</p><p><span word="Today">Today</span>, <span word="though">though</span> <span word="his">his</span> <span word="clients">clients</span>' <span word="portfolios">portfolios</span> <span word="are">are</span> <span word="down">down</span> 35% <span word="or">or</span> <span word="more">more</span>, '<span word="I">I</span>'<span word="m">m</span> <span word="not">not</span> <span word="getting">getting</span> <span word="complaints">complaints</span>,' <span word="Mr">Mr</span>. <span word="Hirsch">Hirsch</span> <span word="says">says</span>. '<span word="People">People</span> <span word="aren">aren</span>'<span word="t">t</span> <span word="asking">asking</span>, '<span word="What">What</span> <span word="did">did</span> <span word="you">you</span> <span word="do">do</span> <span word="to">to</span> <span word="my">my</span> <span word="portfolio">portfolio</span>?' <span word="They">They</span>'<span word="re">re</span> <span word="asking">asking</span>, '<span word="What">What</span> <span word="do">do</span> <span word="we">we</span> <span word="do">do</span> <span word="from">from</span> <span word="here">here</span>?''</p><p><span word="There">There</span> <span word="may">may</span> <span word="be">be</span> <span word="a">a</span> <span word="positive">positive</span> <span word="byproduct">byproduct</span> <span word="of">of</span> <span word="our">our</span> <span word="troubled">troubled</span> <span word="times">times</span>: <span word="a">a</span> <span word="decrease">decrease</span> <span word="in">in</span> <span word="the">the</span> <span word="urge">urge</span> <span word="to">to</span> <span word="complain">complain</span>. <span word="People">People</span> <span word="who">who</span> <span word="still">still</span> <span word="have">have</span> <span word="jobs">jobs</span> <span word="are">are</span> <span word="finding">finding</span> <span word="reasons">reasons</span> <span word="to">to</span> <span word="be">be</span> <span word="appreciative">appreciative</span>. (<span word="It">It</span> <span word="feels">feels</span> <span word="unseemly">unseemly</span> <span word="to">to</span> <span word="complain">complain</span> <span word="about">about</span> <span word="not">not</span> <span word="getting">getting</span> <span word="a">a</span> <span word="raise">raise</span> <span word="when">when</span> <span word="your">your</span> <span word="neighbor">neighbor</span> <span word="is">is</span> <span word="unemployed">unemployed</span>.) <span word="Homeowners">Homeowners</span> <span word="are">are</span> <span word="unhappy">unhappy</span> <span word="that">that</span> <span word="home">home</span> <span word="values">values</span> <span word="have">have</span> <span word="fallen">fallen</span>, <span word="but">but</span> <span word="it">it</span>'<span word="s">s</span> <span word="a">a</span> <span word="relief">relief</span> <span word="to">to</span> <span word="avoid">avoid</span> <span word="foreclosure">foreclosure</span>. <span word="And">And</span> <span word="yes">yes</span>, <span word="our">our</span> <span word="portfolios">portfolios</span> <span word="have">have</span> <span word="plummeted">plummeted</span>, <span word="but">but</span> <span word="most">most</span> <span word="of">of</span> <span word="us">us</span> <span word="can">can</span> <span word="say">say</span> <span word="that">that</span> <span word="at">at</span> <span word="least">least</span> <span word="we">we</span> <span word="didn">didn</span>'<span word="t">t</span> <span word="invest">invest</span> <span word="with">with</span> <span word="Bernie">Bernie</span> <span word="Madoff">Madoff</span>.</p><p><span word="Even">Even</span> <span word="if">if</span> <span word="grumbling">grumbling</span> <span word="is">is</span> <span word="only">only</span> <span word="on">on</span> <span word="hiatus">hiatus</span>, <span word="it">it</span>'<span word="s">s</span> <span word="clear">clear</span> <span word="that">that</span> <span word="in">in</span> <span word="many">many</span> <span word="quarters">quarters</span>, <span word="we">we</span>'<span word="re">re</span> <span word="seeing">seeing</span> <span word="a">a</span> <span word="return">return</span> <span word="to">to</span> <span word="Depression">Depression</span>-<span word="era">era</span> <span word="stoicism">stoicism</span> <span word="and">and</span> <span word="an">an</span> <span word="appreciation">appreciation</span> <span word="of">of</span> <span word="simpler">simpler</span> <span word="things">things</span>.</p><p><span word="Job">Job</span> <span word="satisfaction">satisfaction</span> <span word="is">is</span> <span word="actually">actually</span> <span word="up">up</span>, <span word="according">according</span> <span word="to">to</span> <span word="a">a</span> <span word="December">December</span> 2010 <span word="survey">survey</span> <span word="by">by</span> <span word="Yahoo">Yahoo</span>! <span word="HotJobs">HotJobs</span>. <span word="Almost">Almost</span> 38% <span word="of">of</span> <span word="respondents">respondents</span> <span word="said">said</span> <span word="they">they</span> <span word="were">were</span> '<span word="very">very</span> <span word="satisfied">satisfied</span>' <span word="with">with</span> <span word="their">their</span> <span word="jobs">jobs</span>, <span word="compared">compared</span> <span word="with">with</span> 28% <span word="in">in</span> 2007, <span word="a">a</span> <span word="likely">likely</span> <span word="sign">sign</span> <span word="that">that</span> <span word="people">people</span> <span word="are">are</span> <span word="grateful">grateful</span> <span word="they">they</span>'<span word="re">re</span> <span word="still">still</span> <span word="employed">employed</span>. <span word="And">And</span> <span word="every">every</span> <span word="week">week</span> <span word="now">now</span>, <span word="we">we</span> <span word="hear">hear</span> <span word="reports">reports</span> <span word="of">of</span> <span word="workers">workers</span> <span word="accepting">accepting</span> <span word="pay">pay</span> <span word="cuts">cuts</span> <span word="or">or</span> <span word="furloughs">furloughs</span> <span word="without">without</span> <span word="complaint">complaint</span> -- <span word="some">some</span> <span word="of">of</span> <span word="them">them</span> <span word="acts">acts</span> <span word="of">of</span> <span word="solidarity">solidarity</span> <span word="to">to</span> <span word="protect">protect</span> <span word="jobs">jobs</span> <span word="elsewhere">elsewhere</span> <span word="in">in</span> <span word="their">their</span> <span word="companies">companies</span>.</p>
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