The Job Market Queasiness

Securing my first job felt like stumbling upon a coveted opportunity, akin to discovering a rich platinum deposit. The murky world of employment is laborious and tough. Jobs are transient, and the sheer pith of comfort is what we should strive to overcome. You discover there is more to a career than just a paycheck. You need to be in constant motion. Interestingly, I've observed a widespread appreciation for local cuisine. As a nation, we aspire to have locally curated eateries selling standard recipes. The challenge lies in operationalizing the outfit to transform it into a franchise. This would involve opening multiple branches funded by local investors, akin to how citizens eagerly invest in government bonds and bills.

Honesty and integrity are paramount in the job market. Transparency and a clean professional record are non-negotiable. While practical skills and experience hold weight, academic qualifications often become crucial, especially in competitive scenarios. A degree may seem trivial until it becomes a prerequisite for a desired position. Strong academic credentials not only demonstrate a foundation of knowledge but also a dedication to learning and growth. Education should be seen as an investment in acquiring the skills and knowledge necessary to thrive in your career path.

I fondly recall the days when I eagerly aspired to be associated with a corporate entity. This was my take on the typical path; transitioning into the workforce, drawing a salary, and embracing adult responsibilities. Often, the next phase is succeeded by matrimony, followed by family planning. Then come the goals of purchasing a car, building a house, and investing for the future. It's a familiar lifestyle that many of us are accustomed to. 

Landing a job marked the initial stride in my quest to achieve the goals I had set forth. A decade has flown by since my graduation, and the picture is quite different from what I had envisioned. The milestones of owning a car, getting married, and buying a house remain on my to-do list, illustrating that life's journey often takes unexpected turns.

Certainly, I care, albeit not with the expected intensity. There are moments when I ponder if I've missed out on fulfilling certain expectations during the opportune times. There was an opportunity for marriage that I let slip away, hindered by deep-seated apprehensions. Perhaps, at that juncture, marriage didn't seem like the right path for me. As for finances, I tend to spend freely, without much thought. I value experience over possessions. You might be conflicted to think I indulge in excess and enjoy savoring life's pleasurable moments.

Looking back, I realize there's not much I can claim as my own, and surprisingly, it doesn't weigh heavily on my mind. Even the laptop I'm currently using isn't mine; it's on loan from the company. I used to own some laptops but chose to distribute them for free. Now, with this company-issued equipment, I'm restricted from installing software. Should I attempt to do so, it would trigger an alert to the administrators.

If you catch the attention of hawk-eyed admins, they won't hesitate to hold you accountable for violating company policies. And that means being under the radar. The framework that companies employ to safeguard their infrastructure is exceptionally robust and complex. It encompasses a vast array of measures that sometimes I find myself thinking, "I will utilize whatever access rights I have been granted. Beyond that, life continues." 

The primary reason we interview for jobs is to secure a source of income. However, it's considered inappropriate to directly express this to the recruiter by saying, "I'm here for the money." Such a statement could jeopardize your chances during the interview process. Consequently, many candidates refrain from showing too much enthusiasm and adopt a more reserved demeanor until an offer is extended. If successful, you accept the offer; otherwise, decline courteously.

As a corporate employee, I am obligated to comply with the company's rules and regulations. This often entails maintaining a modest and cooperative attitude. In many cases, voicing concerns or asserting oneself, especially regarding compensation, is not advisable unless your contributions are recognized and valued by the employer. If you have demonstrated significant value to the organization, that could provide stronger grounds to leverage for fair compensation. Conversely, if the company has played an instrumental role in your professional development, your treatment and compensation will likely align with their standards and expectations. You have not shown ingenuity in small matters.

There will be a point where, as an employee, you will quiver with revulsion. You may have entered the workforce with high hopes, believing that your qualifications and certifications would secure you a favorable position and pay. Yet, unexpectedly, you find yourself in a role that's worlds apart from what you envisioned, tasked with beginning afresh. At that point shadows of gloom loom over your destiny, far removed from the deal you thought you made. You feel like you are in a conundrum. The intensity of the situation is so clear and so plausible. However, despite the turmoil, there's a sense of calm that settles in when the day is done.

Some, like yours truly, are trapped in a state of inertia, unable to muster the courage to update their resume. The thought of revising it feels daunting and overwhelming, akin to a bitter taste or something apocalyptic. There is beauty in brevity. The entire process of job applications is rife with regret, making it a dreadful endeavor. It has created a fallacy of inflexibility and the danger of being indoctrinated that jobs are hard to find.  You feel like you are in trouble, floundering in a swamp and you need an employer to throw a rope your way to save you from drowning. It can feel like being stuck in quicksand, desperately waiting for an employer to extend a lifeline. In a bid to escape this rut, you might consider hiring a recruiter to revamp your resume and usher in positive energy. There's often the allure that a new employer will offer greener pastures and a better working environment.

Hasta La Vista, Baby.

Read More

A CUP OF TEA

Some conversations can sound banal when you overhear if you have no option because you cannot ear muff in a public setting. However, such conversations are usually very material. They are laced with real life situations of past events that may have no meaning in the current dispensation. Yet we have to learn from the past to be able to make meaningful progress. The past forms our heritage and helps in eschewing mistakes that are repetitive.

Over the week, I was in a matatu headed to town to ask for some referral letters my prospective employer wanted from me. Since the matatu did not have hip music with loud speakers and since I could not sleep, I decided to keenly listen to two gentlemen conversing on Moi-Era policies and politics. It was barely a week after finishing Exams when I got a call that I should avail the documents as quickly as possible which was also a God send. Imagine finishing exams then you are due for employment, is than not a blessing?

I have to be very candid. The Kenyan system has prepared us to be job seekers. Even if we wanted to be our own bosses, the lure for easy money while working without much commitment makes us love being employed. Again, fear of the unknown, lack of capital and skills makes us shun venturing into sole proprietorship. So am party to the whole employment ideology. And in that regard, I am also waiting for this employer to act swiftly and judiciously to probably see the urgency that I need a job.

As I intimated, I was in a mathree, two men probably in their late forties or early fifties were conversing and there was one who was seated in front to my right whose voice towered over the Sonitek sounding speakers. They were specifically conversing about how retired president Moi made in a requirement that all civil servants who were on leave were supposed to head back to their rural homes to reduce lethargy in the city. And when they were coming back, they were not supposed to carry cereals that exceeded a certain amount. Since police road blocks were erected on all major towns and centres, your car would be ransacked arbitrarily and the excess retained by the officers or you risked being jailed. I have not yet confirmed the rationale or certainty of the gen but am sure there were health, personal and a variety of other reasons behind the caveat.

The men also talked about how it was mandatory for students in colleges to get the Chief’s approval letter when heading back to campus as a sign that they were not wayward or engaging in acts forbidden by the law whether de jure or de facto. I never knew there would have been a relationship between this employer and the Kanu era policies until I sat down and synthesized my predicaments which are now over. At least this is a consolation given the fact that I am not alone in this struggle.

Anyway, as a matter of fact, one has to conduct due diligence and have a reasonable basis that you are indeed clean before they hire you. That means they have to carry out checks that are sometimes very severe that on the surface look very trivial. In fact, I had never known that getting a recommendation letter can be a hustle. I had to kill some of my ambitions and pursuits to attend to another juggernaut that got me worried so much.

Having contacted my former employer, I thought they had mechanisms in place to issue a recommendation letter. Woe unto me, they had no such structure, again, they barely know formal English. As a result, it was a challenge convincing them to write me a letter to send to my new employer. What was frustrating was the fact that they were directing me to another person whose English was also pathetic. I remember when he wrote some policies for the company, I felt like crying. I wondered why the quest for money had landed me. The statements flouted all grammatical rules and I felt like posting the printout on social media but my senses would not allow me. As a result, I kept it somewhere but it got lost with the course of time. Now, I know why I should at least work with institutions with structures. Workplaces that are devoid of emotions and are run professionally without any stigma. In the end, I contacted my former boss who was of aid and I got served.

Then there was Red Cross. I was required to get a letter from them also. And it goes without doubt that this is one of the most bureaucratic process I had to go through in order to get documentation. A problem arose since I had not been participating in many activities in the recent past due to studies and personal commitments. I needed someone who knew me to act as a referee to assure the final referee that I have a clean sheet. One of the biggest problems I faced was in contacting our youth chair who has a fulltime job and hence is rarely in the Red Cross offices to certify that he knows those who are seeking recommendation letters. There was a time in the process of searching for the document where I got frustrated to the point I felt like, ‘Is this hustle really worth it.’

The first time I called the contact person, he never picked my phone nor replied to my message. But being that person who is usually ignored, I took it that he was just like the others. After another day, I did call and he did pick but I was running out of time. The county manager who was supposed to sign my document was not in the country and not even my life membership certificate aided in making matters better. I envied the government even though it can be very bureaucratic also given that they process documents not by knowing someone but by looking at your records.

It was while looking for this documents that I thought of an employment opportunity that could reduce the red tape of getting a document from our local Red Cross branch. If only they could be able to store information in a database, say Microsoft Access or Excel where retrieval is easier, they could reduce the frustrations people go through. Why do you need two approvals before you are given a recommendation letter? Just by the look of the activities you did can serve as a better representation than relying on a person who knows you. From the activities, reports are generated at the end of the day to find out whether there were any misdemeanors. If there were none, then you are cleared and given you letter based on those grounds, if any adverse information is written and you are mentioned, then your letter is delayed to allow for further scrutiny.

But I loved the explanation they gave as to why they could not write that letter just yet. Given that there was a person who misused the letter after employment by going on ahead and stealing from the organization he was employed in, there was reluctance in issuing those letters. However, sole situations should not be used to incriminate those that are ‘clean’. Even using another person to certify that he knows you does not help much. What helps a lot is records.

I realized that there are no reliable records that are used but only the use of memory by the officer in charge to ratify your documents after asking you few questions which you may cram if given ‘leakage’. Anyway, at the end of the day, I was able to get the document. It has taught me an important lesson. That I need to form a good rapport with those I work with. They can break or make you. Initially, I had taken for granted people knowing me. I loved being mysterious. To remain that person who is seen and when am gone from the situation, they forget about me.

I initially intimated that I will henceforth work with an employer who has got structures. This is because, when I phoned my former boss where I worked as a teacher, he was very formal and straight with regard to handling my issue. He only had to check his files and judiciously make an informed decision when he realized he had forgotten who I was. He did set an appointment date and when I visited, he duly helped.

At this point, I appreciate that formal education to a certain level is very crucial. If you deal with someone without formal education, they may frustrate you for no good reason. Plus, I repeat, storing information in a database is still one of the most important things in life as it eases some time consuming processes.

Anyway.

Away from the frustrations and hectic process of getting letters, I met one of my former campus mates. We met near TUK on some vibandas where I also went for a haircut since my hair was turning out to be unproportioned. He was very bitter as to why he wasted his time in campus. Even me (sic), I usually thought of having wasted time going to campus but not anymore. Like if I had invested the money in a business, I would have been having reliable income if the business picked. He intimated about those days he spent reading in the library and having sleepless nights while in high school and campus. Then someone decides to give him the job of sweeping floors and packing goods awaiting them to be shipped overseas. I wanted to tell him my bit of having sometimes washed toilets, washed clothes for the orphans and other obscene jobs. I washed clothes that you wear gloves to wash because they are laced with urine or faeces. And a variety of other things that you do on a voluntary basis you wonder why you even went to campus. But they aid in reducing lolling. Better still, you have something to do when idle.

At least, in his case, he was being paid. In my case, I was not employed and that was a better way of making use of my time until other projects arose. Plus, there is always mystery of not handling routine work when you volunteer in an organisation like Red cross.

My pal was more irked by the fact that his immediate supervisor was a holder of a certificate and he used to tell him to issue out his CV so that in the event a vacancy did arise, he would be considered. But in his vile thoughts which I insularly consented with, he was of the opinion that upon receipt of the document, the bugger would use it as material for reuse or place it in a paper shredder or worse still, use it to light his jiko.

We talked about a variety of other stuff that was affecting an unemployed graduate. If only there was a way of absorbing this clueless labor force, then, something good would be in the offing for this nation. As a job seeker who now has hopes, I know that I am not alone. Nonetheless, there is this huge monster that has invaded the employment industry called corruption. For example, there are certain institutions where you have to part with a million shillings to be employed paid upfront or in installments. The problem arises with regard in knowing right person to give the money if you have it. Additionally, if your folks are not that liquid, you need to take up what comes your way. Seething with rage will not help. So it all boils down that to a certain extent, the job market has been left to the people who have means. If you are a hohe hahe and you don’t secure a place through graduate recruitment, chances are you will have to wait a little longer because new graduates who are more agile will be considered over you an old graduate. In order to reduce gaps in your resume, you just take up whatever little you are given. They call it starting small. And the Chinese did intimate that the journey of a thousand miles start with a single step.

As for my prospective employer, I have gone through a lot and I am yet to even encounter very frustrating incidences that make me want to give up the quest. Right now, I am uncertain as to whether I will get that job. If you don’t give me that job which has taken me months I even wanted to write you a personal letter asking why it was taking so long, I will appreciate the fact you bequeathed me with some new experience. I know better how to handle myself with regard to getting recommendation letters.

You may deny me that opportunity or grant it if you wish. I did my able best and when you are through with the hard part which made me even want to quit it altogether, you feel a relief that is only innate. When you are struggling and having sleepless nights thinking of how people have authority over your life, you realize that at the end of the day you are no longer a liberal being.

As I await for my two results; exam and employment, I am upbeat that things are never static. When one door closes, another opens and you learn from previous mistakes by taking measures that aid in obliterating that which is hampering a move to the next stage. As I sit down writing this, I wonder why I have informally turned into a professional student and job seeker. It is a struggle but someday, I will have a breakthrough. Luckily, I love the fact that I can sometimes be able to apply the various skills learnt all at once as time progresses. That enough is motivation to continue. Who knows, someone may want me to help him out with my knowledge when am ripe.

               

Hasta La Vista Baby.

[Picture Source: My own]

Read More

EMPLOYABILITY.

I am currently pursuing an online course on employability. There is a big difference between employability and employment. The former encompasses the latter. To paraphrase what employability entails, this has to do with gaining knowledge, skills: technical and soft skills, achievements, and personal attributes that makes one an effective employee to make successful transitory contribution to the employer, colleagues, the public, clients: both prospective and current and the society in general.

Employment on the other hand deals with having the job and being able to make a difference in the workplace. The difference is subject to interpretation depending on which field one is in. As a blogger, I am at making a difference through writing. What about you?

So far, I have been applying to mainstream angel entry jobs, low cadre jobs an middle-level positions. The response from employers has been quite skeptical. Am even planning to call a truce with one of the employers. I don’t believe in employment bureaus. I have not signed on any up until now. Yes they might help me find a job, or the very minimum secure me an interview. But I am still reluctant. One of the reasons I have not used fee-based bureaus is because I hate to think of a person ‘eating my money’ just to find me a job. Secondly, I believe that I should fight for the chance like everybody else. Those favoured and those who are not. Thirdly getting a job is not currently my raison maître. I want to test the system. Which I am having a futile debut at ever since I quit to concentrate on studies.

One thing I learnt about studies while being employed is that they greatly improve on one’s employability. They make you be regarded as able to take up more responsibilities and be seen as an effective time manager. There are also intrinsic gains to a part-time student that he or she knows while going through the process. The challenges are pecuniary and both peculiar. Pecuniary because you have to forego some luxuries an pecuniary because of the opportunity cost of the time one spends in ensuring they never fail.

Allow me to surmise on some aspects that I have learnt over the years as I prepare myself for employment. Last year, I prepared only for an interview (Read it here). Then, I thought that what mattered was how to impress a panel or an interviewer while undergoing a scrutiny. Now, I have a broader perspective. The key lies in preparing the self continuously. If you have limited entrepreneurship ambitions in the meantime like yours truly. You may impress today, but that does not mean you will still have your verve in the near future when contemplating to switch careers if that happens. Anyway, if you have a pusher, why should you mind? But even pushers have to shove that which they are sure about. Competency is such a required tenet that if you fail in meeting the minimum standards, then you are as good as obsolete unless the pusher will shoulder the baggage.

I have learnt that everything boils down to communication.  If you can accurately convince the other party into buying your argument, then you are good to go. Watching the movie ‘Moonwalkers’, probably one of the reasons why Johnny Thorpe was able to convince Kidman into bringing him film director Stanley Kubrick was because he did not falter in his communication skills. Even his body language never betrayed him. He took a phoney to Kidman, received the pay and scripts and went to offset his other debts.

Communication is paramount. Whether you want to get employed, strike a deal, present a proposal or be in business which has a perpetuity. If you can tacitly express yourself through other leveraged ways, well and good. You have communicated.

Being able to express yourself in a comprehensible way, concisely and driving the point home counts for 80% of striking a deal. Knowledge counts for 5% and Skills 15%. It’s palpable to convincing a lady, which I rank very low at. You always need that third eye and ear, an extra tongue a flair for being well versed with the surrounding. However, in my case, I must confess that due to my botched ability in mustering the skill to effectively and efficiently express my ideas in black and white, I have not been able to be called for even a single interview. Let me not lie, I have never gone to an interview I applied to, most of them have been referrals. Most are a result of the  former and come  without financial constraints on my side.

Perhaps I have wrongly written my CV for the right job. My resume is a two page document. I call it a bikini CV. Once someone said that a bikini is brief enough to reveal all details but covers the really essential details one wants to get acquainted to. I love the brevity because it gives the prospective employer room to gauge whether am competent for the job or not. Consequently, it reduces the time she needs to make a decision as she can easily flip through the document. You guessed it right, its pithiness has probably contributed in employers finding my credentials below par or of no value towards contributing in ameliorating the returns or contributing towards the goals and objectives of the firm in the long run. Pole Musa!

Hitherto, I thought that I would easily transition to another job having quit my former employer who made it clear that it would be in contradictory to company policy if I was going to be studying part-time. Even while working, I knew it was not going to be easy getting another job. I had tried and know the numerous futile attempts I made. Employers hate rookies. They take long to adjust to the workplace, are incompetent in their view and lack panache. They however will give an ear to an amateur with validated experience. So, internships, attachments or related jobs experience is as important as having done the job.

Relating to the employability course, I realized that participation in other aspects like sports, voluntary work, travelling and lots other engagement is important. All jobs have a skill you can always take to the new job. Cooking can help in being a watchman. Only a HR professional knows how.

Because of the enormity of the studies I am undertaking, I preferred staying out of employment. I cannot dispute that learning has no rewards. Time is the most important factor. If you easily find your life’s passion, then you know what is right. But with our increasingly competitive world, having an edge in terms of skills gives one an operational advantage. I no longer want an employer who will look at my transcripts then conclude that I am not worthy of the position. Irrespective of the paper qualification, I still work towards my employability. Whether it is through perusal or daily life experiences, at the end of the day, what matters is that God added me another day that I heavily invested on. How I use it in adding value to my eventual career boils down to the management of hours I have at hand.

The other day, I was flicking over the pages of a daily looking at the job segment. Who did I see? A certain campus mate appearing as model for their company’s newspaper advert. I remember holding my horses in applying to the said company. Even a certain lady who was ‘spit’ by my first year roommate was now plying her trade with the prestigious auditing firm. However, as a consolation, I can say I have never loved auditing. Just as you may abhor being a house maid, shamba boy or a toilet cleaner. However, the rewards and benefits the company bestows its employees, you cannot fail to reconsider a profession in that field. Plus you may find other befitting roles once in.

Seeing those guys on newspaper did remind me of one Greg Smith. He was once a vice president at Goldman Sachs, where he earned over $500K a year. Greg was even in the advert showcased to budding employees on how pleasurable it was to work for the investment bank. He depicted the role model who transitions from campus, then into the workplace seamlessly. However, in what appeared to be a complete icebreaker in the industry, he wrote an op ed in Times Newspaper signalling his resignation. Colleagues and the firm woke up to find out that he had resigned. As a student, I find the mechanism he used to tender his resignation very unethical. He also wrote a book which industry analysts studied carefully and vindicated his former employer of any wrongdoing. The fact that he was also engaging in ‘whistle-blowing’ instead of seeking the advise of independent counsel, or his supervisor or better still the compliance department was enough to also hold him accountable.  To cut he long story short, those two pictures of my former campus colleagues did stir something very crucial. I am challenged. I did ask myself, ‘What misdeed did I commit?’ Nevertheless, I am writing about it now. Yes I am also into writing. For there is a whole lot of life ahead. The only difference made is when the grim reaper ascends or otherwise.

In that case, allow me to introduce you to investments. It is said that the best investment is to invest in yourself. With that regard, I am envisioning myself being a C-suite professional in this angle, or a portfolio asset-manager or research analyst. The list is endless. Whichever comes my way, I am welcoming it with open arms. If something more appealing comes my way after the rigorous studies. You know what I will do.

In our investment profession, there is being passively involved and being actively involved. Like I chose to be actively involved in my studies. Even though my old man paid for my tuition fee, I found it was not enough. I felt like I needed to get out of the passenger mentality. I remember watching a certain lady on an investment channel I have subscribed to on YouTube. She decided to take the bull by its horns by enrolling for a PhD program aimed at equipping her with investment skills. That way, she could be able to analyze investments, select securities and construct an investment portfolio. That way she could be able to chart her own destiny with her money while investing. Obviously she lost when starting. Did she give up? No. Initially she relied on the advice of an asset manager in an investment bank to guide her on how to invest. But she was not getting results. After the studies, she moved from investing in mainstream equities to investing in derivatives (options to be precise). I know that is jargon. But you can always google the terms, right. She studied while working on a fulltime basis, as opposed to I who resigned. With $10000, she was able to make over $100 million in three years. Through active participation. If she invested without knowledge, she would have lost everything. Hard she taken a passive approach in investing, she would have ended up either getting a return of 10% to 20% a year. Does that ring the bell? She did risk investing for herself and the returns were a boom. And you know what? The asset manager who was to invest her money is now her partner.

I introduced the word risk and return. I am increasing the probability of my returns by hedging on the risk of failure by dedicating more time to study. I am a full-time student till I get a fulltime job. My rote is flexible, reason why I can take any form of employment that will aid in me getting credit points in my career of choice. I am not vitiating the role of the tutors who play an instrumental role in my studies. Only that I am taking an active role. In that regard, I am improving on my employability even though I am not employed. If I will not end up being employed, I will resort to entrepreneurship. That way I will have taken advantage of my employability.

Studying my ethical and professional standards notes, I realized that I could not mark as important sections I felt were weighty. Lesson learnt? All ethics and professional standards conduct is important. Am studying via a computer. Slow, tasking and loathsome. But I realized one thing. If I am professionally competent and can return the best results to a client without observing ethical standards, does it really matter? Yes. We all want to be associated with success. That is why a code of ethics and standards of professional conduct is critical. When we acquire knowledge over time, we can use it to societal detriment or benefit. That is why guidance is necessary even if you think you are the most moral of all persons. Maybe the Son of Man is the only being who can be exempt. But other mortal beings are not. Reason why we have a code that guides our profession.

Reading through the fiasco that led to the collapse of Imperial Bank. A bank whose logo signified royalty. As such it should have treated clients with reverence only given to a queen or king. I did bemoan the death of ethics and lack of standards of professional conduct in a profession that is at the centre stage of man’s interest. Money. We surely are beholden to money. I am not a morality evangelist though. If I was one, EACC would have probably hired me based on the track record which I don’t have.

Anyway.

I am only paraphrasing on the vices I read about. Whether true or the converse. Those that the common man finds too complex to understand. Especially when they do not innately affect them but macro economically contribute to poor credit rating of the country, collapse of the shilling against the dollar and serious integrity issues on holders of such institutions that affect the fiscal and economic policy of our beloved country.

In my opine, there is only one thing that should have prevented the collapse of such a bank. A code of Ethics and Professional Standard of Conduct. If only the employees acted at the interests of the beneficiaries (bank account holders) and the probable compromise of the Central Bank Governor through his better half, who should have acted with authority. If only such people knew about ethics, and acted with veracity. Probably the bank would have not been placed under receivership and clients loss their money due to the requirement of debt service before other financial obligations have been ratified. Is another scandal in the offing? This is Kenya.

Away from matters financials. Do you find anything that makes me tick? I think I am not a hustler. Not that a go-getter who is nimble when it comes to employment. But hey! I now know the genesis as to the reason why I had to fork out more for my professional course. I read about it and there is something called mosaic theory, I was able to piece up things. You see, I also don’t have a mentor. That someone I look up to. Is it because of my big ego? I am ready to kill it. Like I killed my conscience to become a teacher for a few months knowing full well the pay is wishy-washy.

Now piecing up all that information, you realize that my employability has not gone to the dogs. It’s only time before I get the right employer. But you see how things are related. A bank is imprudently run, it uses a gifts and benefits to influence the decision of the Central Bank Governor. The bank collapses, share prices of other banks also plummet, the number of investment bankers being employed thins and I am now here griping at my probable cause of lack of an opportunity in the investment industry.

This is a matter of conjecture. It is best left to the pundits and naysayers and haters to debate about. And on that note allow me to end with my signature of

Hasta La Vista, Baby.

[Picture Source: Google Images]

Read More