This is a story about dirty tricks...

The Government and affluent Londoners have completely misread the public mood. There is a complete disjoint between the media, politics, and the concerns and struggles of the general population.

Youth unemployment, ballooning student debt, a lower minumum wage for people aged 18 to 24, unaffordable house prices, ridiculous cost of living... these things don't just affect young people, but also their parents. Parents are waking up to the fact that their kids aren't lazy & stupid, but in fact millennials are far better behaved than any previous generation. You just have to look at falling alcohol consumption, smoking and teenage pregnancy rates, to see that today's young people are far more responsible than their parents and grandparents ever were.

Meanwhile, there's a population bubble that is coming up to retirement age and hoping to collect a final salary pension - an income that is not at all linked to how much they have paid in and asset values - that is causing a massive deficit that nobody is talking about.

Everybody's dug into their trenches.

Students quite rightly demand the same standard of education that their parents received, but must get themselves tens of thousands of pounds into debt, and there isn't even the guarantee of a good job at the end of an expensive education.

Pensioners quite rightly demand the same retirement age as their parents, but are going to live much longer, healthier, lives in their retirement, and expect to continue an extremely high standard of living: 3 foreign holidays a year, new cars and large empty houses, with expensive luxury kitchens & bathrooms, lavishly decorated.

Parents quite rightly expect their kids to move out, live independently, get married, have some grandkids. But that's not going to happen unless parents share some of their wealth, and many parents are already worried about whether they have enough money to maintain their high standard of living. So, the reality is kids never leave home, never become financially independent, are never able to escape the demeanment of being dependent on their parents.

Driving this drop in living standards is the fact that the West has been exporting its inflation for years. The postwar boom years were achieved by abandoning the gold standard and printing money. The only way that the value of the Pound, Dollar, Euro and Yen have been propped up is by an agreement called Bretton Woods, which defined a basket of so-called "hard" currencies.

Now, the people of the developing nations are demanding payback. These people have worked far harder and saved far more money, than the arrogant West. These people are quite rightly dissatisfied with being economically enslaved by a culture that broadcasts its profligacy to the world. If Hollywood is to be believed, we all live in mansions, drive supercars, fly helicopters and know the President of the United States of America, personally.

People want everything they were promised, but reality is a real let-down.

Even in London, where the streets are paved with gold, we live in tiny damp flats, with paper-thin walls where you can hear every little noise your neighbours make and the din from passing traffic is incessant. We are like sweaty sardines on a dangerously overcrowded public transportation network, working the longest hours in Europe, in the hope of affording some ludicrously overpriced piece of real estate. Pollution and crime is all around us. Yet, we are high-brow Guardian newspaper readers, who deign to patronise the ordinary working people outside the M25.

Nobody in the provinces gives a shit about a few malnourished brown people. They just want the cushy life their parents had: with a free University education, a seat on an uncrowded train, a 9 to 5 job that has a big enough salary for one parent to work, buy a house, pay the bills and raise some kids. However, that dream is never going to come to fruition.

People have been disengaged with politics for years. The disillusionment with the instruments that maintain the status quo, has reached crisis point. The wealthy elite have been too greedy for too long, and they have completely misread the public mood, the will of the people.

We're going to have problems when even the middle classes become squeezed, because their kids are a massive drain on their finances. The middle classes are the ones who still wield some political clout, and can even become somewhat radicalised.

Finger-pointing at immigrants will fool some simple-minded folks who didn't pay attention at school and who fail to see the spine-chilling parallels with the rise of far-right fascism in 1930s and 1940s Europe. However, it's only going to buy a very small amount of time, before the UK descends into all out chaos and destruction.

While one generation goes on strike, to demand that their final salary pensions aren't touched, and the protection of jobs that have become unnecessary due to technological advancements, another generation will have their lives made ever more miserable. Young people have to suffer train strikes, on services that are already overcrowded and cost a significant proportion of their income, in order to get to a job where they're paid less simply because they're young, and their money disappears into the black hole of the pensions deficit, with no hope of ever owning a home and having the luxury of going on strike themselves, for fear of losing their job.

We are being turned against one another, and against minority groups like immigrants and Muslims, when the real culprits for our suffering are the public-schooled wealthy elite, who become career politicians and rule over us. The real culprits are those who take out more than they've paid in. The real culprits are those who expect us to work harder than they would work themselves.

The enemy here is inequality, not immigration. The thing that we should be correcting is the rich:poor divide, not dismantling the safety net of social welfare, and blaming people who suffer long-term disability, or immigrants.

We have been manipulated by the media and politicians into voting against our self-interests. We have elected politicians who have massively increased national debt, while at the same time making people more insecure in their jobs, less financially well-off.

Now, the politically inactive class have become radicalised, in voting for right-wing policies, and for relinquishing politically progressive ideals, which had given us greater protection for ordinary working people.

A vote to leave the EU is further playing into the hands of wealthy property owners, who want to see the clock rolled back to a time when there were no labour unions, worker rights and there was no job security or opportunity to better yourself. Brexit is vote to increase the power of a bunch of Eton-educated toffs, who have never done a hard day's work in their lives.

Yes, things need to change, and things need to change quickly, if we are not going to suffer a terrible rebellion by a hard-pressed working public, that could sweep away most of the advancements that our society has made, at great expense.

However, reversing the result of a referendum that was already held once before, is not the way forward. The House of Commons should be just that: representative of the common person. Getting rid of EU gravy-trainers simply hands more power to the wealthy elite, who have presided over a shameful decline in the British public's standard of living, for far too long.

Voting Brexit sends completely the wrong message to the elite, and to nasty bigots, like UKIP's Nigel Farage. Voting Brexit emboldens those who wish to divide and rule us.

Tags: #politics #capitalism

This is a story about ingratitude...

Give me liberty, or give me death!

How do you like living in the free world? Freedom of speech, not that anybody's even listening and you'll never get into print. Freedom to work, if you can get a job, and you'll have to pay exorbitant taxes. Freedom to do what you want, if you're not dead and have any spare time and energy after working a job until you're nearly 70 years old. Freedom to buy what you want, except you probably can't afford it.

There: that's the ingratitude part out of the way. Do I actually think like that? Some people think I do. You'll have to read between the lines to see where I am being self-mocking, humorous, sarcastic and even a little farsical in the interests of courting controversy.

This talk of death and suicide sounds a little flippant, a little melodramatic, but in actual fact, it's shaped my mindset.

I was always impossible to manage, and fearless talking to people of all ranks and status. I refuse to be cowed by credentials and hierarchy. I refuse to know my place.

If you were to just dip into part of my story, and try to make a knee-jerk assumption about me, you might assume that I think I'm better than other people. You might think I'm an entitled snob, a spoiled little brat. You would have misjudged me, and instead you've failed to understand that I'm coming at things from a totally different end of the spectrum.

I'm not claiming that I'm hard done by and that I've made my own luck and worked my way up from the bottom. On closer examination, these claims always prove to be horse-shit. When we look at people who claim to be self-made success stories, the tale is always ridiculous. For starters, many of the ones I've encountered came from loving homes in middle-class families, with parents who had a profession, a job for life. There has been financial security and a good education, even if they paint themselves as some sort of working class hero.

My tale is slightly different. I'm judging things based on the experiences I had when I had nothing. No roof over my head, and no money. I'm judging life based on how close I came to death. I literally made a life-or-death decision... actually on a couple of occasions.

So, I write from a position of knowing how it feels to have nothing. I write from a position of knowing how it feels to have to choose to act to stay alive, or else inaction would lead to death.

Based on this standpoint, I judge things very differently. You might think I'm ungrateful to have a "good" job. You might think I'm ungrateful for my opportunities. In actual fact though, I'm just judging things relatively. I think to myself "am I more or less happy than when I had nothing" and "am I more or less inclined to die, than the time that I nearly died before".

There's a cold hard rational core within me, that could quite easily slice my veins open, in a sudden brutally decisive act, if I decided that the effort of maintaining myself in a state of perpetual unhappiness and struggle would be ridiculous.

As a subject of Her Majesty the Queen of England, I was indoctrinated in the state schools of the United Kingdom, to become a loyal wage-slave, contributing to stability, increase and ornament of British commerce. Does it give me any pleasure or pride to say that? No, not really.

My very first job was for a Ministry of Defence subcontractor, and I actively contributed to Great Britain's military capability, as a naval power, to further their imperialist ambitions. Should that give me a lump in my throat when I see the Union Jack and hear the national anthem? Actually, no, it makes me think about the high price that is paid by the nations we have subjugated, in order to pay for the lifestyle I enjoyed.

Do people enjoy their lifestyle? Huge numbers of ordinary working age people can't afford a house, a family, a wedding. Most ordinary working folks hate their shitty jobs and their long commutes. Most ordinary working folks fret about getting ahead in the work rat race, or getting their kids good exam grades so that they can die an early death due to stress-related illness. But the good news is that you're not going to have to die in poverty if you drop dead at your desk, given that the pensions are in a meltdown.

It looks so hypocritical. The Westeners sit there in their sedentary jobs, comfort-eating themselves to death through obesity-related illness and giving themselves repetitive strain injury from their mouse and keyboard, cataracts from their computer screen and a bad back from slouching in a chair all day. Our short life expectancy is a function of stress, depression and poor lifestyle 'choices'. Meanwhile, the developing world slaves away, with the dream of attaining a western-style lifestyle. Supposedly, the West is the model the world should follow.

However, maybe we got it wrong. In other cultures, the smartest member of the family gets sent away to study and work, so that they can send money back to their family to support them. Isn't that something to get out of bed in the morning? Being the breadwinner for your family.

Instead of the young, fit and active people being the economic providers, we have instead tipped our society on its head, where we worship the 'grey pound'. Since the pension funds became the biggest investors in all our companies, and all the wealth pooled in the accounts and property portfolios of the baby boomers, we now have an impoverished youth, who have a much lower quality of life than their mothers and fathers, and far fewer opportunities to provide for even themselves and their own offspring, let alone feathering the nest still further of their elderly relatives.

I went to the Southampton Boat Show last year, and instead of successful young businessmen treating themself to a toy, as a reward for their hard work, ambition and ingenuity, it was baby-boomers who were spending their kids and grandkids inheritance, as a reward for having created an asset bubble that has meant crashes in both the stock market and the housing market.

I know that all the pounds of economic output that I generate will simply disappear into a pensions black hole, to pay out final-salary schemes for a generation who have nothing but contempt for their kids and grandkids.

Would you toil and toil, if you had no prospect of ever being self sufficient? If you were simply working for ungrateful masters who called you lazy and stupid? If the wealth that you generated simply inflated asset prices further out of reach, concentrated in the hands of the idle coffin-dodgers who didn't work to create the very assets that they own?

Since when did it become a bad thing to be motivated to work? Why should we be so fearful of immigrants, who are young, fit and economically active? The very language smacks of greedy hoarders who are like a dog in a manger.

Every year we have more students than ever before achieving the top exam grades, yet we print headlines and stories asking if exams are getting easier. Homework and the pressure to succeed is driving ever increasing numbers of young people to suicide, but yet it isn't good enough.

The prospects for young people are awful. The minimum wage is lower, and they'll never be able to get married, have kids and buy a house like their parents did. Why do we label them as 'gangs', 'hoodlums' and 'thugs' and mock them for their materialistic attachments to modestly priced bling, like gold cellphones and other trinkets that cost a fraction of the homes and cars that their parents had as their status-symbols?

Why do we not see the link between demanding endless dividends on our shares and ever-increasing capital gains, and the need for corporations to suppress wage inflation, which impoverishes our working-age people?

There are many people who would say that I'm not entitled to ask these questions, given my six-figure income. There are many people who think I should just shut up and take the money, because it's there.

In actual fact, I'm going further than just asking difficult questions. I'm actually putting my job on the line.

I lost two big money contracts because I refuse to be bought. I refuse to stay my tongue, just because I'm being paid a lot of money. Is it unprofessional, arrogant, reckless, stupid? Actually, it's none of those things.

I struggled a lot with middle-class guilt, but predictably, I did very little about it. I used to wring my hands and say "but what can I do?" while reading the Observer and The Guardian newspapers, and having passionate discussions about putting the world to rights, while quaffing expensive wine in fine restaurants in North London. This was hypocrisy. The final straw would have been going on a sponsored run and doing some kind of gift-aid contribution out of my salary every month, to salve my conscience and give me some kind of sense of smug satisfaction that I'd played my part.

Instead, I went on a journey. I've been to the bottom and back again. You might think that my risk was underwritten by my middle-class family, but they actually turned their back on me, when I had apparently left my social rank and become 'untouchable'. I was disowned, disinherited.

I can never claim to know what it was like growing up in abject poverty. My parents might claim that they never had any money, what with my mum being a student and my dad working behind a bar in a caravan site, when I was born. However, my granddads were both professional men with good pension provisions, who were able to bail out my drug-addled hopeless parents whenever they really hit hard times. The same privilege was never extended to me. Perhaps I should have recklessly sowed my wild oats, and then pled poverty when there were extra mouths to feed, like they did.

A parent's relief that their child is alive and physically healthy has no bearing on whether a person feels grateful to be alive. I didn't choose to be born and I don't want to go on living, if life is just endless misery and suffering. If you expect your kids to love you unconditionally, you're just plain wrong. It totally depends on how you treat them, and there's a real generational problem.

Handing over a planet and an economy that's absolutely fucked, and then retiring, is pretty ridiculous if the generation who are going to have to clean up the mess, accept austerity measures and live a lifestyle that is unimaginably frugal, in order to allow pollution to return to safe levels. It's a bad deal, by anybody's reckoning.

It's in my nature to question everything and anything. There are no taboos for me. There is no 'respect your elders' bullshit, because the first question is "why?". Why should I respect the generation that proliferated nuclear armaments, caused global warming, deforestation, pollution of the water table, an asset bubble that's priced ordinary working people out of the market, an unprecedented increase in the rich:poor gap and widespread economic calamity and didn't think about how they were going to afford their retirement, except by mortgaging the future of their children and grandchildren.

Why do I work? I can't tell you, but I can tell you what damage working does to humanity.

The wealth that I generate goes to corporations, who pay it out in the form of dividends or use it to inflate asset prices, to generate growth for their majority shareholders, who are institutional investors - asset managers - whose job it is to generate yet more wealth for an idle elite who expect to receive final salary pensions and an amazing lifestyle, in return for having wrecked the world.

And you wonder why I struggle to get out of bed in the morning and get excited about going to work?

People that I've worked with throughout my career have read what I've written, and I'm slowly making myself unemployable. How could you employ me, knowing that I don't subscribe to the groupthink? How could you employ me, knowing that I speak my mind, and have no respect for the instruments of power? How could you employ me, knowing that I'm not cowed by fear and insecurity?

I'm impossible to control, using the millstone of debt and the threat of destitution. For me, destitution is freedom. Freedom from the oppression of working a job that only serves to line the pockets of an ungrateful elite who have no respect for the workers of the world, and are only interested in a comfortable retirement at the expense of over 50% of the world's people.

Obviously, I think to myself "I must take this down" or "I must cover this up" or "I must keep my mouth shut". There's a part of me that just wants to take the king's shilling and let him call the tune, no matter how maddened I am by degrading myself as the court jester.

There is so much false promise. Work today and be happy tomorrow. Fritter away my cash on good times to forget about the soul-less day-to-day existence and futility of it all, is what I could so easily do. I've done it before.

I sometimes laugh at myself, so full of middle-class angst, but there's a deep seriousness here. It's just bullying groupthink to call somebody a hypocrite or a champagne socialist. The fact of the matter is, somebody has to do something, because we're sleepwalking towards disaster. The middle classes are just about comfortable enough to write letters and furrow their brows with concern, but not enough to actually risk their jobs or their reputations and good social standing.

Every day I sit at my desk, unable to not think about the bigger picture, unable to put the futility of it all out of my mind. I think "what the hell am I doing here?" and even though I'm good at my job and I am perfectly capable of toeing the line and keeping my bosses happy, I inevitably start to rock the boat, just because I have so much barely concealed contempt for a system that so obviously fails to serve the bulk of humanity.

I've let a genie out of the bottle, by considering the wider questions that we face as a species. I've gone down a rabbit-hole of thought, and I can't stop chasing that rabbit, even though I'm throwing away golden opportunities that people would love to have themselves.

Please try not to get caught in the trap of thinking this is a simple case of ingratitude.

My values and my work are really not at all aligned, and it grates with me, to the point where I really don't give a shit if I lose my job, but I'm not stupid... I know that I only have to play by the rules for a short amount of time, and then I can let the world know what I really think and who I really am, before my horrified bosses get rid of me. Please just kill me.

Tags: #career #capitalism #banking #suicide #depression #parents #family #childhood

This is a story about getting out of practice...

My friend Ben taught me how to program a computer when we were kids. I floundered on my own for a while when our family moved away from Oxford, to Dorset, but eventually I had managed to write a couple of computer games before I even had any proper lessons at school and college.

I've been a professional programmer for the best part of 20 years, but my recent ups and downs really hurt my confidence, and also meant that my skills got a bit rusty. It is a little bit like riding a bike, but the jargon changes and the syntax of what you have to type looks subtly different, but it's all still the same binary ones and zeros underneath the covers.

I nearly had a meltdown today, when I was set a programming test that's the sort of thing that you'd give to a first year Computer Science student. I feel a little insulted that I'm being asked to do things like that, when I've got such a strong CV. However, IT is riddled with managers, architects and other people who haven't touched code for years and years. I guess it's a test to see if you can roll your sleeves up and get hands on or not.

I'm getting really worried that there's a tech bubble that's going to burst, and bring down the whole economy. When I think that there are so many jobs that are centred around social media marketing, digital campaigns and mining the vast amounts of data that are gathered about website users and their browsing habits... it's all a lot of bullshit. At the end of the day, people have lost sight of the fundamental principle of creating products and services that add value to the real economy.

Why is it that a company can have a massive valuation and raise loads of money, just because the number of people using their website is growing exponentially? Why is it that a bank, or other financial services company, can be one of the most profitable enterprises in the world, when they don't actually produce anything of tangible value? The markets are just supposed to route money efficiently around the real economy, to grease the wheels of commerce.

I started to get panicky all of a sudden, and worry that I won't be able to get myself into a position to weather the storm before it hits. But then, when you think about it, it doesn't matter unless you're just coming up to retirement and hoping to cash in your casino chips and sit on your arse for the rest of your days until you die.

I don't begrudge people their retirement, but considering the huge population growth, the massively extended life expectancy, plus the low birth rates, retiring at the same age as the previous generation is just not feasible.

It is really sad when somebody retires, and they're so burnt out that they hardly get to enjoy it. It seems that life is very much lived backwards. When we are young, fit, healthy, energetic and full of life, we are also heavily indebted and have to work as many hours as we can just to pay the rent and try to keep a car on the road so we can get to work. Then, when we retire, we have heaps of time and money (hopefully) but our health is failing and death is stalking us.

But I'm only talking in abstract terms, because something different happened to me. I didn't quite catch the ultimate wave, but I caught the tail end of a pretty wild ride. For those lucky enough to get into IT at some point from the 1960s to the 1990s, we have enjoyed boom times that seem to have kept rolling.

Perversely, I was a little disappointed when the millenium bug didn't cause every computer in the entire world to explode, as the clock struck midnight and we rolled into Y2K. By the year 2000, I was already bored and disillusioned with programming, and I had even applied to University to retrain as a Clinical Psychologist.

It seems churlish, to be dissatisfied in my position. At the age of 20 I was an IT contractor, taking advantage of the fact that there was a huge brain drain, as most of the best programmers were working on fixing the millenium bug. I had a 20 minute phone interview, and then started work a few days later... doubling my salary in the blink of an eye.

In a way though, you have to consider the bigger picture. How many years of my life were spent locked away indoors, hunched over a keyboard, because I was unpopular and ostracised at school? The bullying I endured was pretty relentless until I finally got to college, so in a way, I have always felt some entitlement to the wealth that compensated those miserable years.

Money doesn't buy you maturity though, and it doesn't repair low self-esteem. It does, however, broaden your horizons. As the year 2000 rolled into 2001, I was taking 5-star luxury holidays around the world. I didn't rub people's noses in it, but I hadn't yet begun to feel that the debt of karma that the Universe owed me had started to balance out.

I bought a yacht and moored it in an expensive marina in Hampshire, age 21, but this still didn't seem exceptional to me. I still felt that I had somehow missed out on a lot of what other people had done: to feel popular, to feel fashionable, to feel loved, and have girlfriends that you really fancied. I still had crushing inadequacies and a poor self-image.

Getting into kitesurfing gave me work:life balance and brought me a social group that finally meant I started to feel like I had friends I'd chosen, rather than just the group of geeks, thrust together for strength in numbers, against a world hostile to us outcasts.

The dead time at work, when I had previously just been struggling with boredom, was now filled with planning kitesurfing trips and chatting with my friends on the kiteboarder forum. My bosses were still happy that the work was getting done, but I was spending 80% of my time and energy looking at wind and tide forecasts, reading and writing forum posts.

Moving to the coast meant access to the beach every day, and eliminated the need to experience kitesurfing vicariously midweek, through an internet discussion forum. However, it also meant I no longer had anything entertaining during the boredom.

Eventually, the boredom led to me obsessing about my job, and pushing hard for promotion, and then to burnout. Work:life balance is important.

I've been trying to piece everything back together again in a way that's not simply hopelessly nostalgic for bygone years. If I can get on an even keel again financially, of course I can start going on kitesurfing trips again, but the really important thing that I lost was the social aspect, and having another passion as well as work, that could keep me busy midweek.

A lot of my fear of getting back into the working routine is that I know that simply living to work is not healthy or sustainable, and I really have very little passion for IT anymore... it's just a job, and a job that I can do blindfolded with one arm tied behind my back.

I am sorry if I come across as ungrateful for my opportunities, but there's more to life than a well paid job, and I have so few of the other elements that make up a happy little life.

Would you believe that some of my happiest times in recent years have been when living in the park or the hostel? There was at least a group of other no-fixed-abode bums like me, and we formed strong social bonds. Having a group of friends turns out to be a lot more important than a healthy bank balance.

So, getting back to work is a necessary evil, but it won't stabilise me and give me any quality of life, you might be surprised to learn.

I overcame that fear, and did that technical test, and I impressed myself that I can still apply myself when I need to. However, it seems a shame that our modern lives drive us to live to work, rather than work to live. I feel certain that this must be behind the mental health epidemic that is sadly getting worse and worse.

I'm going to grow carrots, come the revolution

Tags: #computing #career #bullying #childhood

This is a story about getting things in perspective...

When you're climbing a mountain, you can't think about the summit too much. You have to take things one step at a time. If you are much too fixated on reaching the top, you will feel disappointed every time you reach a false summit. You will feel disheartened when you see how far there is left to climb.

I'm quite familiar with mountainous tasks. I started my full-time career at age 17, and I had my challenges with immaturity, but also with age prejudice. I sacrificed a huge portion of my teens to learning programming, so I was pretty ready to start work, unlike some of my peers who had done non-computing degrees at University. However, my youth held me back for many years.

Around the time I turned 30, I built a couple of cashflow positive businesses. Taking something from the idea stage to the point where you're taking customers' money is not something that should be underestimated. It's easy to do one deal, and just keep dealing in that same way, but it's quite something else to put together an established business, with multiple customers, suppliers, and create a trusted brand.

Then, as I've written about at length, my mental health started to be the mountainous task in front of me. Or rather, I was at the bottom of a deep dark pit and had to climb my way out. Facing a collapse in your sense of wellbeing, your ability to cope... that's a fairly big thing to tackle, when you've had nearly 30 years of steady stability.

Most recently, dealing with drug addiction is probably one of the hardest challenges a person is ever likely to face in their life. Addiction can consume a person so quickly. It's like a fire. If you don't put it out fast it will spread, and if you leave it to develop into a raging inferno, it will be virtually impossible to extinguish and it will just consume everything with its flames until there's nothing but charred remains.

It seems really stupid to me, how long we let people flounder and struggle for. We just turn our backs and pretend stuff isn't happening. We just hope for the best, hope that the person doesn't bother us, hope that some miracle happens, hope that the person who's in trouble sorts themself out, hope that somebody else will deal with it so we don't have to.

There's a really nasty streak of "look out for number one" going around more and more. People live their lives in an increasingly isolationist manner, critical of other people's choices, and only thinking about their own wellbeing. We are encouraged to trample on each other in order to get ahead. We hoard and do not share.

People can't see the wood for the trees. They fail to recognise that pushing their kids to get good grades at school just creates an arms race. Pushing your teen to think about 3 or 4 years University education when they're just a child. Pushing your young adult kids to get a good career, a profession, when they're just developing their own identity, deciding what they want to do with the next 40 or 50 years of their life. Can't people see that at every stage of this funnel, things are getting more pressured, more competitive?

I received an email today from somebody who is already struggling with the pressure of University. Think how much pressure that person already endured to get the exam grades to get that University place. Think about how many exams they have had to sit, in order to stay in the system, and be allowed to continue with some hope of getting a well paid job at the end of it all.

We're tested, and then we're tested some more, and then we're tested again and again until the end of our days, nowadays. Now that we have established this over-competitive bullshit arms race of a life. There are too many lawyers, too many doctors... too many of all the professions that are desirable. An exam might look like an ordered, disciplined, academic thing, but we might as well have our kids duking it out with pointy sticks in the middle of a jeering snarling crowd of bloodthirsty onlookers.

In the zero-sum game that we have invented, for every winner there's a loser. That means that whenever a kid gets a bunch of "A" grades and a place at an Oxbridge University, some other kid has to leave school without any qualifications and be considered unemployable. There are only a limited number of places for the elite: both in academia and professional life.

We're not building a longer table, we're building higher fences. The pressure on kids to not make a single slip up, from the moment we start pressuring them to beat their peers throughout a gruelling school, college, and University life. One black mark can derail your entire future. Screw up one set of exams, and you'll be tossed into the 'undesirable' bucket, and find it very hard to rise above your peers ever again. You'll be trampled underfoot.

Schools can only give out the same limited percentage of "A" grades each year. Universities can only give out the same limited percentage of firsts and 2:1 degrees each year. Companies can only afford to hire a small number of entry-level people - the very best - each year. We drive huge amounts of people into a funnel that's just way too narrow.

Opportunities just suck right now for young people. It was pretty sucky when I was a kid, and there was always hell to pay whenever my teachers spoke to my parents, even though I was always in the top sets and getting good grades. There were plenty of sharp-elbowed pushy parents who ruined plenty of childhoods back then... today it must be bloody miserable and awful. No wonder we are seeing a spike in teen suicides and self harm.

And for what? Do you think your kid is going to get a good job after they finish jumping through those academic hoops... doing all those exams and essays and dissertations? Do you think your kid is going to happily couple off with some lovely partner, buy a house and start raising a family of their own? How the hell could they afford to? Have you seen the disgracefully low wages and the sky-high house prices?

You can do a 180 degree turn and still take a step forward. You don't have to feel like it's a backwards step to admit you're wrong and start going the other way up the dead-end alleyway that you led your kids and grandkids down. OK, so school and work was OK for you growing up, but that doesn't mean it's working for your kids and grandkids.

What worked for a world of 2 or 3 billion people doesn't work for a world of over 7 billion. There are just too many people competing for a finite amount of bullshit qualifications and jobs. We've set our young people up to fail, and it's not because they're stupid or lazy. It must be incredibly stressful and hopeless, being young today, with so few prospects and such a hard struggle to get ahead of your peers.

At the moment, the human condition is not being advanced. The ship is being steered by a rudderless drunk of a captain, in selecting our political and commercial elite from the greying middle-aged nostalgic fools who've had it way too good for way too long.

The current set of elitists kowtow to the pensioners, because everything is owned by institutional funds: every company is majority owned by pension funds. The grey pound is the only pound. The kids don't have any money. The corporations worship those who are in God's waiting room, just hanging around for their time to die. It's a system that's leading the whole world to its death.

We should be looking down, to those little kids and their energy and optimism, and thinking about their future, not looking up to the heavens and thinking about our death. You might have a comfortable retirement, but you'll be riddled with disease and old age. Would you not be more comfortable knowing you left the world a better place for your kids and grandchildren?

Build no store of wealth on this Earth.

I feel sorry for working class people who have worked hard their entire life, and they've still been cheated out of a living pension, but their health is failing. Their voice is silenced by the deafening boom of the ones who've had a cushy life with a golden parachute final-salary pension at the end of it all. We can't see the wood for the trees

Tags: #politics #childhood #mentalhealth #capitalism

This is a story about telling the truth...

I apologise for the lengthy 87,000 word preamble, but it has been in preparation for the revelation of some really shocking truths.

I'm actually still trying to psych myself up to tell some parts of the story, because I know that I'm going to be burning bridges big time, but I don't feel like they're places I'd want to go back to anyway. Those places need to be shut down with extreme prejudice. Those bridges need to be burnt.

I've effectively had an 'access all areas' back-stage pass to a lot of stuff that the public barely know exists. I've worked on gold bullion vault projects, nuclear submarine projects, cryptographic encryption projects and on the number one projects in the world's biggest banks. I've single handedly produced number one iPhone apps and been invited to speak about what I do at top academic institutions. These are my credentials.

So, I'm puffing myself up, like a blowfish. I'm like the scared cat, with its fur all stood on end and its back arched. I'm like the pompous twat, with his chest pushed out and his fake voice booming out, disturbing everybody's peace and quiet. Am I a narcissist? No, I'm just trying not to be eaten by predators.

Am I trying to make you like me? Do I think I'm likeable? Do I think I'm charming, charismatic? Do I think I'm special? Well, I have done the maths. I'm one of 7 billion people on planet earth and I'm 99.5% genetically identical to every single one of them. So I'm half a percent different from 7,000,000,000, which means I'm roughly the same as 35 million people, statistically speaking.

There are - for arguments sake - about 70 million people in the UK. I've used a higher number than the official figures for convenient maths, and because the government doesn't count the huge number of 'illegal' immigrants who live here. So I represent about half the population of the U.K: 35,000,000. I'm literally 1 in 2. There's a 50:50 chance you might meet another me, here in the UK.

So I'm really Mr Average. There you have it. I'm a straight down the middle regular Joe Bloggs. Anything I can do, you can do too. I'm not special. I'm not unique. I'm not different.

I've done a paper round, just like you. I've done washing up in a pub and a hotel, just like you. I've worked in a shop on a Saturday, just like you. I went to state comprehensive school, just like you. I went to 6th form college, just like you. I did an apprenticeship, just like you. I worked 9 to 5, just like you. I learned a skilled trade, just like you. I had a mortgage, just like you. I had a current account and a savings account, just like you. I used to mow the lawn on a Sunday, just like you. I used to spend a considerable proportion of my income on DIY and home improvements, just like you. I was making a little nest, ready to spawn some clones of myself, just like you.

Only, one day, I threw down my tools and said I'd had enough.

At first, I couldn't actually carry on working even though I wanted to. I had gotten myself a new job, and it was quite exciting, interesting and challenging. I was working with some cool people on a cool project. But for some reason I couldn't get out of bed. Maybe I was lazy? Maybe I was a spoiled brat? Maybe I was too posh and rich, and too arrogant and stuff to be bothered to go to work like everybody else?

Well, as I remember it, I just couldn't take it any more. I broke down. The machine had been pushed beyond its design tolerance, beyond its threshold, beyond its capabilities, beyond its rev limiter, and it had shaken itself to pieces. You should know that at this point, the machine was only powered by food, water, alcohol and caffeine... just like everybody else.

Was I a functional alcoholic? Well, we've explored this already, so I'm not going to go over it again, but let's just say this: I never drank alone. I always drank with colleagues and friends. I always had drinking buddies, and I never drank more than anybody else in my social sphere.

Alcohol is more than a social lubricant though. They say that money is the lubricant for capitalism, but I think that alcohol is the lubricant for capitalism. The more money, the more alcohol. It was limitless. As long as your work got done, nobody cared how pissed you were.

The thing about doing the same job for 19 years is that it gets pretty easy. It gets very monotonous and boring and paint-by-numbers. Even when you're building a banking system to process a quadrillion dollars, it looks like the same 1's and 0's in binary. All computer code looks the same, whether it's launching Tomahawk missiles or processing Credit Default Swaps.

We used to say "nobody dies if our code f**ks up" on the non-mission-critical projects. That's not strictly true though.

When a massive beast like a giant multinational corporation starts to die, rich people get pretty trigger happy. Yes, people are prepared to kill other people in order to protect their dollars. My own parents were prepared to kill me in order to protect their pot of gold, so I've seen it first hand.

The thing you don't realise, when you're watching all that 'free' TV is that you're a TV addict. If you didn't pay for something, then you are the product. Your mind is being sold to the highest bidder. Even when you do pay for something, you might still be being marketed to... you wanna be James Bond, right? Better go and buy that expensive watch you saw him wearing then.

But this conquest of your heart and mind is more subtle than just being sold a product. You are also being sold a lie. You are being told simplistic stories about good vs. evil. You are told stories about cowboy & indians, cops & robbers, earthlings & aliens, superheros & bad guys, black & white. You are being dumbed down. You are being put into a childish mindset.

Barely a few months after this photo was taken, my parents marched into my house, that I bought with my money that I earned, and called me a drug addict. They are total fucking idiots.

One of my earliest memories is waking up in a hospital bed at Oxford John Radcliffe Hospital. There were two scared looking drug addicts, going through withdrawal there looking at me. They had really dumb expressions on their faces. They had no idea what was going on in their drug addled lives. They were my parents, and they had hospitalised me because they're irresponsible cunts.

My parents have not got a clue how hard modern life is. They were gifted the deposit money to get a house, because they had failed to plan properly how to support their child. They needed their parents money, because they were too busy taking drugs and getting fucked up to act responsibly.

Do you know what I'd do if I got a girl pregnant? I'd get a fucking job.

My parents think they're special and different. They think they are entitled to not have to work hard. They think they're entitled to sit in judgement over the world, despite having achieved nothing other than to inflict misery on innocent human lives. Being the child of a pair of junkies is miserable work, I can tell you. It's hard work having to be the responsible one, because you are chaperoning a pair of losers who are too fucked up to put food on the table and a roof over the family's head.

When we come to talk about bail-outs in the coming months. We should remember that my parents had a free University education and they spent their parents money fucking about. They went travelling and had a lovely time swanning around spending other people's money. They sat around taking cocaine and doing jigsaws with their adult friends, rather than taking their kid on an outing. They took me to the pub and left me with alcoholics who worked on the US Air Force base, who told me all about nuclear war. Little boys don't really want to know about nuclear war. It kind of fucks them up.

Yes, I remember this guy Wayne, used to boast all the time about nuclear weapons destroying every living thing on the planet of the Earth. That's a lovely bedtime story for a 3 year old, isn't it? Well done mum & dad. Great parenting. Gold star. Cunts.

So, if I'm against the proliferation of nuclear armamants and I'm a vociferous supporter of nuclear disarmament... that's the reason. We should ban the bomb, because being bombed to shit by nuclear weapons is terrifying for your children. You shouldn't be sitting around taking drugs and getting drunk with your friends. If you give a shit about your kids you should be protesting about the proliferation of nukes.

Yes, my parent's were caught napping. They were asleep on the cunting job. While they were putting flowers in each others hair and taking heroin, magic mushrooms and LSD, snorting loads of cocaine and wandering round in a stoned fucked up daze, alcoholic stupor and generally dribbling like cross-eyed imbeciles, and occasionally spawning an unloved child, the world went to rack & ruin. You total cunts.

My parents never gave a shit about saving for a proper pension. Their parents had been prudent, and had put money into index-linked pensions that provided for a reasonable retirement. My parents plan was to put all their money into drugs and not give two fucks about the future, or even the present. Yes, the present was a pretty miserable time, because if there's one thing we know about drugs, it's that there's a comedown.

My parents like to boast that they were never really addicted. What absolute horse shit. If you have an expensive habit that's damaging to the entire family's health and wealth, to the point where my grandparents had to bail you the fuck out, and buy you a house, then you fucked up, you total addict fucking losers.

My mum still smokes, and has a major alcohol problem. She's self-medicating for anxiety issues. Yes... being a shit parent is supposed to make you anxious. That's called guilt. That thing you're trying to numb... that's your guilty conscience for being a shit parent.

If you don't adjust your lifestyle according to the needs of your dependents, then you're a fucking selfish cunt. If you can't even see what's going on in reality because you're too messed up by all the drink and drug abuse... you are a really sorry messed up individual.

My parents live in a kind of co-dependency, where they support each others warped worldview. The only person who's friends with them is a guy with learning difficulties, and even that is co-dependent. That poor guy is just lonely, and he likes to have a drink... my parents drink with him, because he makes them feel like they're superior. They don't like normal friends, because they remind them that they're alcoholic junkie shit parents who never adjusted their disgusting lifestyle for their kids.

My Dad's really horrible and abusive to my Mum, but she defends him, so it's hard to do anything. It's important to defend somebody's character, but don't defend the indefensible. Don't defend an abuser. Don't defend somebody who gets sent to the supermarket to buy food and comes back with drugs. Don't defend somebody who's supposed to put a roof over the family's heads but can't be bothered because they're too fucked up on drugs.

I'm supposed to support these cunts in their happy retirement, am I? Why?

This is the legacy. This is the lunacy of mortgaging your children in order to pay for your disgusting lifestyle. This is the smoking gun. This is the whodunnit for a generation that got screwed over. This is a pointed finger, that shows where the blame really lies.

So, I'm being disruptive. I'm laying the foundations. I'm laying out my stall. I'm setting out my case. I'm taking on the establishment. I'm taking on the status quo.

I live and work in glass palaces, but I'm going to throw stones, because these places need to be smashed down. People have been kept below glass ceilings for too long. People have been oppressed by a generation who have achieved nothing, for far too long. Widening the rich-poor gap and fucking over your grandchildren's future, through pollution and completely screwing the global economy is nothing to be proud of. You've got no authority and you've got no credentials.

I suggest you start giving away your hoarded wealth as fast as you can, if you want to help your family. Give it away, share, spread the wealth if you want to retain even a fraction of your standard of living.

Soon, it's not going to matter who's got the most. It's going to matter who gave the most, when you are put on trial.

Yes, the newest generations are going to put you on trial for crimes against humanity. You're all as guilty as each other, so the only way to judge people's character is based on their generosity. My parents are tight-fisted cunts.

You're economically enslaving your children. You are chaining them up. You're doing nothing, sitting on that couch watching brain-washing TV and reading rubbish newspapers. Get off your lazy arses you cunts (October 2013)

Tags: #politics #childhood #parents #capitalism #addiction

This is a story about the seasons...

I'm not just a city slicker. I'm actually reasonably tuned in to nature. I have studied weather patterns and the seasons. I have studied tides and rivers. I'm pretty adept at spotting patterns, and I can be a good data scientist to prove it.

Tomorrow - Sunday - I'm going on a climate march in the capital of the UK, London. It will be the first ever political march I have ever taken part in. That's pretty shocking. I have been remiss in my duty as a citizen in keeping UK politics honest. I've been one of the silent 76%. I will be writing about the reasons for why I was so quiet during the last General Election in later blog posts.

I had the pleasure of taking a plane ride home chatting to a couple of millennials a couple of years ago, and oh my God do they work hard. They wanted to go to University, but they quite rightly saw it as a huge privilege to go, and were exceptionally grateful for the opportunity. They laughed at the idea of spending a precious penny of education money on frivolities like partying. They gawped at the idea that the baby boomers paid no tuition fees, got grants and had plenty of money for drugs, drinking and smoking.

Yes, there is a huge generation gap. One generation got to drive around in gas guzzling cars and have heaps of foreign holidays where they travelled all over the globe by jet aircraft. That generation guzzled all the profits, the equity of the nation.

Baby boomers have bankrupted the UK with an unsustainable pensions model based on passive asset management. These lazy people were asleep on the job... never attending any shareholder meetings, while blue chip companies paid huge salaries and bonuses to lazy executives, and the massive enterprises were asset stripped in order to keep paying dividends into pension funds that were managed for short term growth.

The next round of asset stripping is now taking place, with round after round of redundancies, with all the jobs going offshore to China and India, plus the multinationals are restructuring to make sure they hardly pay a penny in corporation tax.

This won't work. We are expecting the millennials to prop up the pension funds, like a ponzi scheme, but we are getting rid of their jobs at the same time. How are they supposed to work to support the baby boomers in their retirement, if the same baby boomers have offshored all the jobs? There won't be any tax receipts either, because everybody will be either retired or unemployed and the multinational corporations won't be paying a penny in tax to the UK.

We are governed - politically and in our jobs - using a top-down approach. A pyramid scheme. The problem with that model is that if the guys at the top are total psychopaths, megalomaniacs, myopic losers... then the whole world is screwed.

The only antidote is grass-roots activism. The power of the unions was destroyed by the Tories, but we thankfully still have the right to peacefully protest about our lives and planet being destroyed by greedy fat cats.

I don't really care whether you believe man made climate change is real or not. If you want to deny the existence of the overwhelming body of evidence that shows that things are probably way worse than we could possibly imagine... get to the back of the queue for the water tap when the drought hits. Why don't you move to the edge of the Sahara... that'd be lovely and warm for you?

Yes, why don't we do that? Instead of taxing a tiny bit more for people who drive polluting vehicles, why don't we suggest that them and their family are therefore put lower down the priority list for assistance, when climate catastrophe hits. When there's a flash-flood, wildfire or a hurricane, you'll be last to be saved. How's about that?

If you're putting yourself first and ignoring the wellbeing of humanity and the planet, that seems fair, doesn't it? If you're so busy watching TV and reading crappy newspapers that print lies and pandering to your spoilt children and teaching them the same ignorant crap that you've bought into, I don't see why you and your lot shouldn't drown in the rising sea levels that you've caused.

We are a nation of sailors in the UK, and we are an island nation with the 2nd biggest tides in the world. The English Channel is one of the windiest places on the planet. Also, the UK is only able to enjoy its mild climate because of the anomaly of the Gulf Stream. The sea might look tranquil at times, but it can rage and storm and smash everything to bits too.

If you are a sailor you must master the state of the sea (waves) the tides and the wind, which can gust and squall out of nowhere. You have to look at the clouds and the surface of the water to see what's happening in the invisible currents of the air. You have to look at any points of reference on any land that you can see to guess what's happening in the invisible currents of the sea. The tide can carry you far faster than the wind sometimes.

It's a similar thing with the planet. You have to get way up a mountain or look from the basket of a balloon or the window of an aeroplane, in order to gauge the state of the climate. If you can see melted glaciers, dry river beds, empty lakes, dust bowls, deserts... the planet might be trying to tell you something.

Everything might feel OK in your double or even triple glazed house with air conditioning and other refinements that are designed to shut nature out and maintain a degree of microclimate control. Everything might feel OK in your air-conditioned car with tinted windows. Believe me, things are not OK.

The oil/energy industry is bigger than you can possibly comprehend. Their lobbying power is immense. They have bought politicians and media outlets around the world. They have controlled almost everything that is printed and has been broadcast, for a very long time. It's only with the advent of technology like the Internet that these monopolies are being eroded, and honest people are allowed to be heard for once.

You see that hole in the cloud cover, which is like a lovely dappled blanket over most of the area you can see? That hole is caused by a power station. Its heat output has actually vaporised the cloud cover above it. That means that not only the energy output of the power station is being pumped into our greenhouse, but also less of the sun's energy is being reflected back into space.

Can you  see how nice and white the clouds are, when you look down on them from an aeroplane? That's because the sun's energy is bouncing back into space. Clouds are fantastic at keeping the planet cool.

You know what isn't good for keeping the planet cool? Water. Yes, as a sailor you learn about something called sea breeze. This is wind that is created because land heats and cools very rapidly, but water absorbs and stores the sun's energy. That means that when the land starts to cool when the sun goes down, you get a big rush of warm air out at sea, back towards cold land. You always get a nice on-shore breeze in the evening during the summer.

Imagine if much more of your planet is covered by water, and much less by snow and ice (which is white, so reflects sunlight) and you have way less cloud cover because the temperature is raised so high that water droplets are not forming. Imagine if what little land that remains has been covered by power stations, roads, airports, offices and houses, which pump out huge amounts of energy. Imagine that.

What I think would happen would be very extreme weather. Cataclysmic storms, bush fires, mudslides, expansion of the deserts, inhospitable temperatures, flash flooding. Yeah... pretty much what we're seeing.

The oil/energy men will say that it's not true. They won't refute it with good science. They'll just say it's not true, and tell you to keep buying their plastic crap and driving around in your gas guzzling car and having heaps of foreign holidays in aeroplanes.

Yes, it's true that I flew all the way to San Francisco to have my photo taken at the Golden Gate Bridge. It sounds like I'm the ultimate hypocrite. However, it wasn't a holiday. I was going to kill myself.

That's right, I have reached the point where I can no longer stand what I see in the world. I can no longer bear wars being fought in my name, people being oppressed in my name, the planet being destroyed in my name. Politicians need to stop using me - their citizen - as an excuse to perpetrate war and suffering.

There is talk of austerity. How's about this? We don't bomb Syria. I will take a 'cut' in the amount of bombs that I buy. I don't want to buy any bombs at all, let alone have them dropped on anybody's head. Zero bombs for me, please. That goes for bullets and shells too. Yes no bullets for anybody's guns and no shells for anybody's tanks and artillery. I don't want any. None, zero, zip, nada... I don't want any. Not for me no. Never.

So, I'm a member of the majority of people in the UK. I'm one of the 76% of people who didn't vote for the Tories. That means that no war should be waged in my name by an unelected minority. Unelected? Yes... 76% of people in the UK don't want the Tories.

So, don't let these unelected wankers, these Eton toffs, these psychopathic warmongering twats... don't let them commit war crimes and global destruction in your name. You didn't vote for these awful awful people. We need to get out into the streets and let the arrogant little shits know that we won't put up with their awful policies.

The Tories will try and bolster their power to subvert and oppress the UK citizens. They will try and keep the police and the armed forces on side with flag-waving nationalism and warmongering, plus ostracising the poor and underprivileged. They will try to divide and rule. It's so painfully obvious that they have all studied the 'success' of the Falklands war and the growth of the City and financial services, in terms of Tory popularity. They seem to have lost sight of the fact that they caused the recession and the Poll Tax Riots.

Please remember that I'm promoting civilised nonviolent protest. No vandalism, no abuse and please be mindful that the police are just doing their job, and doing it in really tough circumstances. We do need law and order. We just don't need the kinds of laws that the Tories would really like to sneak through Parliament using their plutocracy.

I think the Queen and the House of Lords are actually doing a reasonable job of keeping a muzzle on the dangerous dog that is the Tory party. I was reading today about what a bunch of bullies and psychopaths are at the very heart of a party that will gladly drive people to suicide to further their political agenda. These dangerous megalomaniacs need to be treated with the contempt that they deserve.

So I know that many people are turned off by politics and probably will not have even read as far down as this. I will try and dumb things down for people and keep my political message coated in sugar and generally hidden from sight, like peas hidden in mashed potato to get a fussy child to eat some green vegetables. I'm sorry that's a little patronising, but you're letting the country and the planet get ruined by people who are political... but they're horrible.

I seriously recommend that you get some people who are nice and honest and caring, into the political system. All the psychos are really making the whole nation, the whole planet, very sick indeed.

That is all.

It's time to make the call to action right now. Christmas is going to be a big distraction, but when the credit card bills start hitting people's doormats in January, the suicide rate is going to soar. It's also going to be a bitterly cold winter because of climate change (October 2015)

Tags: #politics #suicide #mentalhealth #civildisobedience #notanonymous

This is a story about my best friend...

The first 10 years of my life were pretty lonely. Then along came my best friend in the whole world.

Naturally, my parents were harshly critical of me for not being some male nanny, perfect parent type figure. I was, strangely, more of a brother to my sister. That was a disappointment to them. They thought that having more children meant more free time to get drunk and take drugs.

Anyway, let's ignore my parents. They were very much of the Victorian mindset that children should be not seen and not heard. Maybe it would have been better if children were not born, but I'm very glad that my sister was. Having a sister is the reason why I'm clinging onto life with my fingernails.

Having a 10 year age gap is a bit strange, but I think it's kinda got advantages. My parents can't be bothered to imagine how hard it is being a young person today, and they get a particularly warped view because I was always very independent and a high-earner from the age of 17. Sadly, the opportunities for the majority of young people are rather bleak.

Yes, the challenges faced by me and my sister in day to day life are really chalk and cheese. While I battle with my mental health, in order to be able to work, my sister also has to battle a highly competitive job market and low pay. While I have to ensure that I earn enough during my hypomania in order to survive during my depression, my sister has to stretch her budget beyond any feasible limit.

Yes, our parents generation really screwed things up, and life is very hard for my sister. I went through a horrible divorce that nearly killed me, but that was due to a single vicious and mean person who had not a care in the world for human life, and couldn't act with a single shred of decency. My sister not only has to deal with a horrible divorce, but her rent & bills as a proportion of her income are totally unmanageable. That's not her fault. She works 6 days a week.

So, tomorrow, during the Chancellor's Autumn Statement, tax credits and other benefits are going to be cut. People like my sister are going to be horribly affected, and there's no way she could possibly work any harder to fix her own finances. She rents a very modest property for her & my niece, she works 6 days a week, she's very dedicated to her job, there are no better paid jobs... she is being shafted by politicians and society.

As a working mum, who did nothing wrong and is doing everything right, why should she have even more financial woe and stress heaped on top of her? She's working her arse off but she is being destroyed through exhaustion and stress, by a government that just doesn't care about the wellbeing of its citizens.

The net result is pretty much what the Tories want. My parents will have to work for longer and have less money in retirement, in order to support their daughter and granddaughter, despite the fact that they've worked hard all their life and their daughter is already working 6 days a week. That's bullshit.

Our family has not racked up huge debts buying crap. Our family has saved money and bought property and done all the things we were supposed to do. We've played by the rules of society, and my parents and sister have ended up diddled by the system. They paid in, with their income tax and their national insurance and their council tax... they're not acting like they're entitled.

My parents just want to have their pension. My sister just wants to work. My niece just wants to be a toddler. It's outrageous that my parents' pension goes to pay my sister's bills. My sister's 6-day-a-week job is not enough to pay for her bills. My niece hardly gets to see my sister because she's working so hard. Is that the kind of society you want, Tories?

Throughout Britain we see examples of how people are being asked to fend for themselves. While the richest members of society contribute a pittance of their net wealth, so many are having to dip into their life savings, their pensions, just to survive. I actually phoned JPMorgan's pension scheme administrator to ask if I could have any money released for hospital treatment I desperately needed, when Camden council bungled my case yet again.

I've managed to limp through and get myself to the point where I have survived an ordeal that would have killed most people. However, I had to borrow money to do that. Why am I borrowing money to pay for lifesaving treatment, when I have paid staggering sums in tax and National Insurance? It's all been pissed away on tax breaks for the wealthy.

Why should the National Health Service be facing a funding crisis, because we wanted to line the pockets of the super-rich? Why should state schools suffer? Why should our brightest children be cutting short their eduction and looking for crap jobs because we wanted to make the rich richer?

We are asking each generation to work a lot harder than the last. Our grandparents lived through a war, so they knew about austerity. They knew about make do & mend. Unfortunately, too few of those people are in positions of authority now. Their kids - my parents generation - think that life is easy, because they lived through the post-war boom. They are wrong. Life is hard.

So, take a note of the date and remember that today was the day that the government went too far. They cut too deep and they hurt people who were already hurting. They scapegoated the wrong people.

Anger will rise up. It will start with the young people who have been frozen out of the job market, who are marginalised and demonised by the media. It will spread to the hard working mums who are struggling to balance the books already, struggling to stretch their budgets. Then it will hit the grannies who are providing free childcare and cash handouts from their pensions in order to keep their kids and grandkids afloat.

There will be a groundswell of public opinion against being told how to live our lives with more frugality from some vintage wine swilling toffs who like nothing more than to admire each other's art collections, and ponce around the country telling the great unwashed masses to stop complaining. Let them eat cake, right?

Things are a lot worse than you can see from within the echo-chamber. Get your head out of the statistics. Get your arse out of your Tory party circle of friends. You're out of touch with reality and it will come and bite your ass.

The problems in society are being masked and things will come crashing down quicker than you can say "Poll Tax Riots".

That is all.

Tags: #politics #childhood #parents #civildisobedience

This is a story about breaking point...

I don't believe in 'rock bottom'. Instead, I feel that I have either run out of fuel or suffered some kind of mechanical failure. You can't drive yourself at the absolute limit forever without some kind of blowout. I have melted my tyres by cornering at high speed.

When I was younger, I pushed myself very hard because I was bored and not at all challenged by what was asked of me. I needed to work many many times harder than my colleagues to prove that my age was no limit to what I could achieve. I've been programming since I was a little boy, so why shouldn't I be better at it than somebody who's been doing it for less years than me?

I had a couple of brilliant teachers growing up, one of whom taught me boolean algebra. If you can master boolean algebra, then there's not much you can't do with a computer. Else if, you're not cut out to be a programmer. End program.

So, I've been doing more or less the same thing in my full-time career for 19 years, because it's a skilled job and is very highly paid. However, there are so many asshats that I must endure in order to get on with my job, which is rather trying. Eventually, the pen-pushers grind me down and I lose my patience with them.

What's really heartbreaking is that I have worked so hard for so long in order to have some time & space to do some things which I actually love and I'm passionate about. However, just when things were seemingly working out for me, people came and picked my pocket.

Now, it's my own fault for being so open and trusting and generous. I have always refused to stop treating others the way I would like to be treated myself. Just because other people are mean and selfish and steal from each other, doesn't mean that I'm going to be like them too.

I imagine that they must feel pretty rotten about themselves, knowing that they have profited from other people's hard labour. I know that we all think of ourselves as relatively hard working. Just remember to look at the evidence. Think about how many 100+ hour weeks you have racked up in your life.

So this isn't about boastfulness, or oneupmanship. It's just about an attitude adjustment. I know that many baby boomers who are in the process of thinking about retirement feel pretty tired and that they have worked pretty hard. Well, I would advise you to look at some hard numbers about just how hard your sons, daughters and grandchildren are working and will have to continue working in order to fund your retirement.

There is a "screw it let's just drown our sorrows" attitude amongst the young, who have no hope of job security, not enough money to buy a house, not enough money to support a family without state support. This is a rational response to a world that has few opportunities left for them.

Underpaying people below the age of 25 is obscene. I was working as a contractor for Research Machines and Lloyds TSB at the age of 20 and they paid me top dollar because my skills and youthful energy got shit done.

It really depresses me, just how many layers of idle and out-of-touch management there are sitting uselessly on top of the toiling youth, while they wait to collect a pension that they didn't contribute enough towards to justify what they are going to withdraw from the system.

The future of children and grandchildren has been mortgaged by profligate baby boomers who were too busy getting stoned and taking LSD to actually ban the bomb and prevent British industry from being asset stripped and having our competitive edge completely destroyed by myopic idiots. Nuclear arms proliferation is not my legacy... it's yours, old people. The lack of jobs for young people is not my fault... it's yours, old people.

Ok, so you might be feeling rotten in your old age, but maybe your body wouldn't feel so bad if it wasn't full of cancer from all the radioactive particles floating around from your nuclear testing? Maybe you'd feel a lot better if the nation hadn't been totally bankrupted by you and your cronies, so we didn't have to cut medical research budgets?

My suggestion? Well, Soylent Green seems a little unpalatable, so perhaps we could just make sure that the burden of austerity falls on those who are responsible. It wasn't a debt binge by young people that caused the current crisis. It was a complete lack of political and social responsibility from the baby boom generation, that meant that the landed gentry had their hands in the safe, helping themselves to all the loot, while you sneering arrogant wannabe pensioners were drinking and smoking and taking drugs.

So, we have a very cold bitter winter ahead of ourselves. Everything is going to hell in a hand cart. Please please please remember not to blame your children for the implosion of the world and the collapse of society. Your pension is a privilege you get for leaving the world a better place than you found it, and I'm afraid you have no right to take something you didn't pay for.

I'm really reluctant to do another round of propping up a broken system, for the benefit of a bunch of ungrateful twats who show no appreciation. I think I'm going to stand back and watch the whole thing burn down.

That is all.

This is my sister's cat, Calcifer. He was catnapped. Us young people are struggling to look after our loved ones, because we are under too much pressure to work 6 or 7 days a week on hardly any money... baby boomers have no idea how hard it is being young (September 2014)

Tags: #career #parents #childhood

This is a story of two different investment strategies...

The guy on the left is Junior Banker, William Marshall. The guy on the right is Senior Analyst/Programmer Banker, Nick Grant. We are both professionals in Global Banking, economists, and philanthropists, who have read law and practice accountancy.

We have followed very different strategies for the banks that we have worked for. William is 'old money' and has practiced the buy and hold strategy of passive investment in the world's biggest companies. Nick is 'new money' and has practiced active investment in startups and disruptive companies.

I would say, that as we are well into the 21st century, and we have seen many cycles of boom and bust, that we have enough economic data to make a bold pronouncement: passive investment has failed.

Having large amounts of capital locked away in pension funds, where the fund managers are old and lazy, is not a good strategy for anything. In the 1980s it lead to asset-stripping of profitable enterprises that had employed a lot of people and were generating wealth. This made the Mayfair Set very rich, but left Britain with huge numbers of people laid off, and factories closed and sold off for the land and asset value. In the 1990s and beyond, it has led to boardroom excesses that frankly disgust me.

Male-domination of the boardroom, and eye-watering salaries, bonusses and golden parachutes that are paid to our company executives. This is a situation that must change immediately.

Both William and I share a common belief that we need to see more women in the professions, and we need to smash the glass ceiling that woman have been held beneath for far too long. Both of us have supported our partners to the fullest possible extent to allow them to be the Wonderwomen that they are.

William's wife is a Rocket Scientist, working on Europe's most important Space Missions. My ex-wife quickly became an amazing software developer, outclassing me in every company that we have ever worked for, including Research Machines and JPMorgan. I supported us delaying starting a family and her retraining to become a Teacher. With incredible speed, she rose through the ranks to become Head of the Chemistry Department at one of the best State-funded Grammar Schools in the United Kingdom. The admiration she has of staff and pupils, and the exam results that she has helped achieve are amazing.

Our boardrooms, our corporate culture, are starved of women, and a non-macho feminism in the thinking of the way that we build businesses. We are not being diverse enough in selecting the best minds in industry. We are still sexist in our thinking and our hiring. Myself and some colleagues had to fight tooth-and-nail to retain one of the most brilliant women that I have ever worked with, on the most important project in the biggest bank in Europe. That's not right.

Law, accountancy, medicine, journalism and IT are all lacking in women, while teaching, childcare, events, hospitality and catering are lacking in men. Meanwhile, strong independent intelligent women are being short-changed in their careers and sidelined into roles that they are totally underused and undervalued in.

Myopic business leaders are also short-changing our young people too. By investing in old dying people, rather than energetic young people, the pyramid of society has been stood on its head. Retirement is not a right, it's a priviledge. You only get to retire if you have left the world a better place than you found it. Sorrry, buster... you don't get to spend your hoarded cash until you fix the environment and create some damn jobs.

It's time to do the right thing.

We do need to respect our elders, but that should be strictly in a non-executive capacity. Should these people receive huge remuneration for such positions? Absolutely not. Only those who have already managed to build enough wealth, and can therefore afford to not have to keep working, are entitled to sit on the boards of companies.

The most enterprising and hard working individuals are implementing and executing large-scale changes to our economy, creating jobs, creating wealth and inspiring the next generation. The value of sitting in a chair and criticising everything is precicely zero.

Tags: #banking #career #gender

This is a story of a sabbatical that I never got to take...

Anybody who says I'm ungrateful for my life needs to have their head examined. My life has been paired down to the nth degree. Anybody who has lived aboard a 22ft boat for weeks knows how to live a small life.

In 2003, I asked HSBC if I could take a sabbatical, so that I could backpack around Australia, New Zealand and South-East Asia. The important thing about the trip, for me, was that I needed to make more friends and do a bit of independent growing up, away from the Angel Islington and Canary Wharf, which my whole life revolved around.

My old boss, an Exeter graduate who had completed an M.Phil (Master of Philosophy degree) in Epidemiology at Oxford, was a brilliant guy and did his level best to get this agreed with Human Resources. The rule at the time was that you had to have been an employee for 2 years, which I had been. It had been agreed and I started to get excited about tying my knapsack to a stick and setting off on the road to secure and happy adulthood, with some brilliant travel stories to tell when I got back.

Sadly, HR decided to change the rules under our feet, and the trip of a lifetime became a choice between resignation or cancelling my trip. I chose the latter, as I had a secure job with a conservative bank that I have loved since being a Griffin Saver, in the days of Midland Bank. Working for HSBC was very personal for me. Also, memories of the Dot Com crash and 9/11 were fresh in my memory. I valued my job, and I liked working for my boss. He's a great guy: so disciplined and inspiring.

Possibly as some kind of compensation (I'm totally speculating here) my boss allowed me to ride his coat tails into a very important project, whereupon I sulked for months and months, because I hadn't fully comprehended what he might have done, in light of the clear importance of the project that I was a part of. My boss exposed me to the very best people within HSBC, and perhaps tried to pair and mentor me - perhaps deliberately, who can say? - with people who are still to this day an inspiration in everything I think and do. I can't help but well up with tears thinking about what an amazing time that was, even if I was sullen and sulky for so much of it.

When the pressure really ramped up on the project, towards the go-live date, I flicked the switch from 'zoned out' to 'warp drive' and started putting in the hours I should have been. I had wasted a lot of time, so this was hardly anything more than working as hard as I should have been all along, but nobody should underestimate the effort that was put in, either.

Anyway, I was eventually ranked - quite fairly - on my average effort over the whole year, rather than just on the 'heroic' efforts towards the end. There was one issue that I was very very tenacious with, having to work with operations, software vendors, networks, sysadmins and security to track down a particularly nigglesome problem. This taught me some well-needed discipline, but not, however, much humility.

My boss did his very best to knock a streak of arrogance out of a jumped-up young upstart: I found it very easy to do the work that was asked of me, but I was lazy, sloppy and work-shy, to be honest. Nothing was much of a challenge, so instead, I filled my time reading the BBC News website, chatting with my friends on the Kiteboarding forums and planning my next weekend trip to the beach or overseas Kiteboarding trip.

I suppose you could say that I had my cake and ate it. I got to continue my career in London, and I also got to travel the globe and meet a set of friends who became a part my life, almost like University or "gap-yah" friends (gap year to those who don't speak posh) would be in the lives of my rich upper-middle-class white spoiled brat peers.

However, I still harboured a bitter resentment against the world for having 'conspired' to deny me a year of diminished responsibility, casual sex with sun-kissed young women with sand in their hair, and generally having fun in the playground of World's backpacking hostels. I felt I was entitled to this, like all the University-educated upper-middle-class twentysomethings in Banking.

I couldn't see that I had kind of won. I had kind of gotten both. I couldn't see that my life was awesome already.

When my boss told me that I been ranked just below the very top performing employees of the company that year, I was mighty p1ssed off. He did a very good job of staying calm and not telling such an arrogant little sh1t to p1ss off. Partly at issue, was that entitlement is bred into us by our upbringing and society around us.

We are told what to expect depending on our position in the World. Perhaps we also misunderestimate (sic.) the effort that is going on beneath the serene surface: some of us are wild swans, with our legs frantically paddling under the surface, while we glide along the surface looking cool, calm, collected & awesome.

Tony Blair told the world that 50% of people should get to go to University. I wanted to go to University, but always felt such a deep sense of responsibility to be self-sufficient and work hard, it seemed decadent and profligate to spend so much money, geting into debt, just drinking and reading books. I have always been excellent at cramming for exams and words seem to flow out of me like so much water in a sieve, so that part didn't exactly worry me.

It's always been a bugbear of mine that people think that education is a right. It's not. It's a privilege, but it is also essential to advance civilisation and humanity. It can improve lives and society more than any other gift that we can give to the developing nations. Teach a man to fish etc. etc.

People have tried to gently, and not-so-gently steer me towards teaching. I loved my teachers and I love teaching. I can remember all the names of my teachers, and I still fondly recall so much of what they taught me in life, and how they inspired me. I hated school though, because the bullying was so unbearable. But then again, I was always terrified of electricity and ended up becoming an electrician, so fears can be overcome.

I think I know now that, when I'm done with wearing a suit, I want to teach - so much that it makes me absolutely sob my eyes out as this realisation dawns on me - Physics, Maths and Design/Technology/IT working with underpriviledged kids in state comprehensive schools in Inner City London. This doesn't have to be soon. It's something to aspire to for semi-retirement, I think.

The only way that I can think to make that a reality from my current situation of zero cash, zero assets and massive debts, is by draining the swamps in banking, as an IT contractor, and by changing the political landscape of the UK so that we pay Teachers a decent living wage and top up the salary of those working in London so that they can afford to live here.

Ideally, I would like to finish the project I'm on, and deliver of a stint of many months and years of steady high-quality work for the global bank I have always loved admired and respected the most. HSBC really is a great place to work, and you really can be reassured that when we are all done, it's going to be good for another 150 years of helping people and businesses to achieve their full potential.

Maybe I'm just a hopeless dreamer. Answers on a postcard if you've got a better idea.

Anyone who says 'narcissist' to somebody who has decided to wear a grey suit for 18 years is going to get a punch in the mouth (Winter 2014)

Tags: #career #london #banking #university #hsbc