The great nagging worry for all of us is unemployment. I’ve been thinking (and I’ll bet you have been, too) about what would make an employer hire more employees and – you know what? – I can’t come up with any thoughts, great or even less than. I suspect that the federal government has the same problem, don’t you?

What would make an employer – now used to making the same number of widgets, or providing the same dollar value of services with far fewer employees – hire more workers? It’s a conundrum. It’s axiomatic that employers will produce goods where labor is cheap, and it now seems equally certain that employers will continue to produce the same amount of goods or services with fewer workers. After all, fewer workers and the same sales number is equal to greater profit, maybe even far greater profit.

Maybe if someone comes up with a battery-powered personal airplane that doubles as a car and only costs $5,000, there will many new hires. What we need is a new version of Henry Ford, creating a product that can be mass-produced here in the U.S.

Wait! What about a four-day workweek? If each of us who is working cuts his or her workweek by 20%, that should create a great demand for employees to replace us for our extra days off; it might even get us to full employment. It could cut unemployment in half. Do you want Fridays or Mondays off? Me? I have not decided. (Some of us may not be too happy about a 20% cut in pay.)

Have a sensational week, and do something nice for someone who is unemployed. Being unemployed is sometimes a kind of hell.

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Readers may email Richard Hoe at at richardhoe@richardhoe.com. Mr. Hoe, an investment professional for 42 years, is a member of Prosperity Network’s five-person investment team, as well as an investment advisor representative and registered representative. Paul Ewing’s Kansas City-based Prosperity Advisory Group has over $2 billion in AUM. Mr. Hoe has been writing professionally for more than 50 years and is a member of the adjunct faculty at the California Institute of Finance, a graduate school at California Lutheran University that offers an M.B.A. in financial planning. He holds five designations, including Chartered Financial Consultant, Chartered Life Underwriter and Accredited Estate Planner, and is a member of both the Society of Financial Service Professionals and the Financial Planning Association. He helps edit each edition of Andy Kilpatrick’s “Of Permanent Value,” a book about Warren Buffett and Berkshire Hathaway published yearly in advance of each shareholder meeting.

This information is intended for financial professionals only, not the general public. This is not a solicitation to buy or sell any specific security. Mr. Hoe may have positions in the securities or other investments discussed. Investments in securities do not offer a fixed rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions, and when sold or redeemed, one may receive more or less than originally invested.