This is a story about ethics...

The difference between a white hat hacker and a black hat hacker is that the former is ethical and the latter is not. A black hat is out for fame or personal gain.

I signed the Official Secrets Act when I was 17, which means that I can't tell you that I hacked British Aerospace's servers when I was 18 and released details of everybody's salaries, as a protest about wage inequality. They covered it up anyway, but you can never stop loose tongues wagging, and I wound up on a watch list at GCHQ. Oops.

I did something similar at Barclays. Again, people tried to cover it up. If you try and cover up an ethical hacker's work, you normally end up in trouble yourself. Just be ethical yourself... nothing to hide, nothing to fear.

I've had the opportunity to defraud my employers out of millions of dollars and be living on a beautiful coral sand island, safe from extradition provided I never set foot back in Europe or North America. At JPMorgan, I knew about a rounding error with Derivative settlements and I knew that our reconciliations weren't picking it up. There were literally billions that were missing and nobody knew except for a handful of programmers.

I'm not a bank robber. I'm trying to help the banks.

At a security briefing for a higher level of clearance, with DERA (Defence Evaluation and Research Agency, which is now QinetiQ) I was told to mistrust attractive women, Chinese people... I was told these people were probably spies. Lolz.

I decided that I didn't like working for the defence industry. They've got dirt on me. They have photos of me sleeping with my male boss. I was only 18, like I said... it was too easy for them to do something like that. Like taking candy from a baby.

I worked on two software systems that were linked with a fibre-optic cable and used quantum entanglement to verify that there was no man-in-the-middle snooping attack going on. That's paranoid, considering that I worked on a military site guarded by Marines with guns, and my car was searched every day.

So, if I seem a little paranoid, it's because I've been trained to be.

I've stood above the working nuclear reactor on Swiftsure and Trafalgar class submarines, and peered into the core and seen the Cherenkov radiation. I've seen the propulsion units that no civilian is supposed to see. These are hunter-killer machines that run seriously quiet.

I know things that I'm not supposed to know. Oops.

So... please leave me be. I'm just trying to do the right thing. I'm trying to be more grown up and consider the wider ramifications of everything I do, but sometimes I feel like nobody wants to act ethically.

Look at the vast number of refugees fleeing wars. Look at the vast number of families who are financially struggling. Their need is greater.

That is all.

Tags: #career #computing #privacy #politics #hacking #civildisobedience

This is a story about social engineering...

The first rule of bus stop club is: you don't talk about bus stop club. The second rule of bus stop club is: you don't talk about bus stop club. The third rule of bus stop club is: don't jump off the bus stop... it's quite high.

I work on the Customer Due Diligence project for HSBC. We are expected to do due diligence on 48 million customers in 61 countries worldwide. HSBC is not very good at due diligence, mainly because they won't listen to the experts.

When I was employed - as a disguised employee - by HSBC to work on the project, I was no fixed abode (homeless) and I was at the limit of my overdraft and credit cards. I had no income. I guess that technically made me bankrupt... except that it took me 4 days to get the job. That's a record... it normally takes me less.

When you are honest, hard working, dedicated, an expert, passionate and have integrity, you don't tend to have a lot of problems finding work. My main problem is finding anything that I'm interested in doing. Making the lives of 48 million customers a little better, and trying to save 245,000 jobs and create 13,000 new jobs is interesting to me. That's why I got up and went to the interview with HSBC.

So, this sounds super arrogant. Yes, sorry. There's absolutely no doubt that I'm only a very small cog in a very big machine. However, try buying a Rolex watch and removing one of the little cogs and see if it still works.

Teamwork is what gets stuff done, but every member of the team needs to be valued equally. Equality is important. Valuing people is important. Everything is awesome when we are part of a team. Everything is better when we stick together.

Here's me going to my interview... just opposite the bus stop where me and my other homeless friends hung out. I actually wasn't going to go... there were far more interesting projects at Meganews Corporation, Mega Credit Card, Mega TV Station, Mega Investment Bank(s), Mega Petroleum Company... London is not short of roles for software engineers. The agent convinced me to get up, have a shower, get dressed and go to the damn interview. I was glad that I did.

The way the whole system is set up with economic incentives, meant that rules were probably bent in terms of background checks. Nobody cared that my credit score was probably terrible - living on your credit card because society has abandoned you, is not great for your computer credit score. Nobody cared that I was no fixed abode (homeless) because the whole thing was arranged via email and mobile phone.

I guess this was an experiment in social mobility. I can tell you where all the 'gates' are that will prevent the 'wrong sort' of people from getting ahead. I did nothing illegal or fraudulent. I was just trying to get myself off the streets. I was just trying to move from surviving to thriving. I was barely surviving. I had countless hospital admissions in 2014 and 2015. Living on the streets and in hostels is hard.

Imagine being in a 14-bed dormitory with your one suit. Imagine how many people there are snoring in that room. Imagine how many people want to use the one bathroom in the morning. Imagine people knocking your ironed shirt off the bunk bed where it was hanging up, onto the dirty floor. Just put it in the washing machine, right? Oh... you share that washing machine with 120 people? Oh dear.

I used to go and sleep in Royal Kensington Park Gardens or on Hampstead Heath just to get some damn peaceful sleep. The sound of snoring and smell of sweaty bodies just gets too much to bear at times. Yes, sleeping under the stars and waking up to beautiful views like the one above is kinda sh1ts and giggles... when the weather permits.

Yes, you have to be very in tune with nature, with the weather and the seasons, if you want to survive. You also need some really high quality gear. The only reason why I was able to cope through a pretty rough patch is that I'm well trained and disciplined. I have the Dorset Expeditionary Society to thank for that.

I can live small and neat. Take only photographs, leave only footprints. Park rangers used to leave me alone because I would be camping out with nothing but respect for my environment and mindful of the fact that I'm just one of millions of Londoners using the incredible green spaces.

Fundamentally, we are animals. We are animals that need to sleep and eat. We need to be warm and feel comforted by the presence of each other... we are social animals after all. We were not supposed to be isolated in a concrete jungle, surrounded by glass and steel and right-angles that would never appear in a natural setting.

I am also seasonally affected. I think it's bad enough to say that it qualifies as Seasonal Affective Disorder (SAD). When the clocks go back and the days get shorter, I feel the need to hibernate. I get tired & depressed. Especially if my employer is not particularly supportive about me taking time out to top up the sunshine that I need to live. I'm literally solar powered... we all are.

Frankie the cat in his natural habitat. He loved his garden. So did I (June 2007)

Tags: #homeless #frankie #banking #career #london #computing #mentalhealth #hsbc

This is a story of a culture that is destroying people's mental health and lives...

Management by balance-sheet, bean counters, spreadsheet jockeys and "yes" men and women are joining a set of executives who do everything in their power to abstain from any of the hard work and responsibility that is necessary in the world.

We have all heard horror stories of people being sacked by text message. In fact, skilled workers, professionals, have been steadily robbed of their worth and self-esteem since powerful rich men, behind closed doors in gentleman's clubs were allowed to asset strip British industry. The practice continues today, as companies are allowed to be headquartered in the UK, but are offshoring all the jobs for cost reasons, and are draining the wealth of the nation.

Europe is fast becoming little more than a tax haven for global businesses, with billions, if not trillions of dollars of profits being pushed through legal entities that have little reason for existence other than to evade the taxes that these companies rightfully should pay to the countries that they have extracted the profits from.

Luxembourg is the most obvious example, but Ireland has recently jumped on the bandwagon. The amount of tax that is paid by Vodafone (group HQ is Luxembourg... funny that, considering that Newbury, UK is where I thought they were founded?) or Apple and Amazon (taxed via Irish legal entity... I know Apple Maps is rubbish but it's a long way from Silicon Valley?) is a pittance. The amount of profits that these companies make is disgusting, versus what they pay as percentage of their gross profits.

However, maybe there is a good reason for all of this?

When I became unwell, and asked good old UK government for support - as somebody who has always paid my full taxes, has no offshore bank accounts, has never tried to evade or avoid taxes - I found that there was worryingly little of a safety net there.

I went to my doctor (General Practitioner, or GP for short, here in the UK) and had a 30 second conversation about what was going on in my life.

"Have you heard of Fluoxetine"

Well, yes, I have heard of Fluoxetine. It's the generic name for Prozac, which is an antidepressant from the 1980s. What the hell is my doctor doing dishing out 25 year old pills to somebody who they have taken 30 seconds to get to know? Well, we know that the NHS is extremely cost pressured, given that we have to give such large tax breaks to profitable billion dollar companies and make sure that we don't take too much inheritance tax from dead multi-millionaires. Oh, and we need nuclear atomic bombs too. Yes, we need to make sure we can always annihilate every person on earth at the flick of a switch.

Luckily for me, I walked away from a course of powerful psychoactive medication, that has been proven in long-term studies to be less effective than placebo. It also takes 6 weeks to take effect. My episodes of depression tend to be about this long anyway. Also, SSRIs make you fat and destroy your sex life, as well as blunting your emotions and generally making your sh1t life even more sh1t, but you'll be too doped up to even realise, unless you ever emerge from the chemical haze.

I'm pretty upset about this, if you hadn't picked up on that.

Another thing that is very annoying is that, as anybody who takes a few more minutes to get to know me will tell you, I'm certainly not what you might term unipolar. My life is littered with examples of radical mood swings. Catch me at a certain time, and you will see my racing thoughts, pressured speech, lack of sleep, intolerance of dimwitted twits, and evidence of my wacky projects.

One day I whimsically decided to knock down my shed, order a load of wood from a sawmill and build a giant beach hut summer house thing in my back garden. Somebody suffering from unipolar depression does not normally do such a thing, according to the DSM-IV/V.

I had to learn all about Google Sketchup, so that I could design the thing, learn about different types of timber, wooden building construction techniques, roofing techniques, planning laws governing outbuildings, estimate how much I would need in terms of materials, locate a sawmill, find a roofing supplier, get a chop saw, nail gun and roofing blow torch (the most fun tool of all).

At no point did any of this seems slightly strange or beyond my capabilities, as a spotty IT nerd who did little more than turn coffee into software for a living, by pressing buttons on a computer, in a comfortable air-conditioned office.

Working around-the-clock seemed perfectly normal too. I remember one neighbour pointed out that the sound of nails being hammered at 9pm was not helping him to study for an English exam... but how are you supposed to hammer quietly? I did try and hammer more considerately, but it seemed more considerate to simply get the project done as fast as possible (I think I took 3 days to complete the structure) given that I didn't know the sleep patterns of everybody within earshot.

So "Mega Shed" as she was affectionately known, appeared at the bottom of my garden in under a week, at a cost of £700. An ordinary week in anybody's life? Well it's hard to judge from an internal point of view, as you can't step out of your own mind and view yourself as others would.

Naturally, friends, colleagues and family are always impressed by a person's industriousness and ingenuity, so I saw no real reason to back off the gas. When the world rewards you for efforts, this reinforces your belief that what you are doing is sustainable.

I then decided to sit in my garden and read a huge stack of books on Quantum Mechanics. This then progressed to me reading every paper that looked interesting in Cornell University's online archives. Naturally, I then started emailling a bunch of the authors, and getting engaged in particularly interesting email based discussions with people around the world about De Broglie's Matter Waves (Pilot Wave theory) which looked a hell of a lot more elegant than all that Standard Model crap that couldn't be unified with General Relativity.

Instead of being discouraged, I found academics to be kind, indulgent and generous with their time. I took things too far, of course, and wrote a paper on the measurement of collapsing Quantum States in an entangled system, spread over a physical space larger than the light-cones of the particles being measured. Standard Quantum Eraser type stuff. I even tried to get it published. Lolz.

At no point did anybody actually directly say to me "you seem to be as mad as a box of frogs on acid with lasers coming out of their nostrils" so I kept digging myself into a deeper and deeper thought hole until I sank into another depression, with no idea what had just happened to me.

The thing is, it's fairly entertaining, enthralling, to watch somebody who is hypomanic. In our age of Big Brother and myriad reality TV shows, we seem to think that it's OK to be a spectator in somebody's spectacular life.

We seem to think it's OK to sit back and watch somebody go absolutely bezerk. It's that person's fault, right? Or maybe it's not their fault, but it's not your responsibility... that would be somebody else? Maybe doctors? Maybe the police? Maybe the council? I don't know... I'm just going to watch - because this is just too horrible to miss a minute of - and I can't tear my eyes away this is just so awful, somebody should do something about it, but not me, and not yet because I'm really getting into this. Brilliant. Who needs TV anyway?

I don't think that I'm not personally responsible for getting unwell, but I don't think that people know how to help, really. I don't think that people are particularly incentivised to help either. We have a very isolated existence. We don't know our neighbours, we don't trust strangers, we ring the police to deal with things that we used to work out between ourselves, we expect our doctors to give us magic beans to cure all society's ills.

So, today is World Mental Health day and World Homeless Day. I can tell you, from personal experience, that mental health issues can lead to homelessness. When I was discharged from hospital after a suicide attempt, I was given 2 weeks accommodation, and I was expected to use that time to arrange my own accommodation. I went to the council offices with a letter from my doctors, explaining that I was extremely vulnerable and that I should receive urgent assistance. The person I spoke to then went on holiday and that was the last I heard of it.

I don't blame the system or the people. People are trying to do the best that they can, but there are so many people in need of assistance, and so little money, because we are fixated on helping the rich to get richer, rather than supporting the most vulnerable members of society. I'm not even angry about it. Living in the Royal Parks and on Hampstead Heath was an eye-opening education for an extremely highly qualified and well educated guy who fell on hard times. If you think I chose to become homeless, then f**k you, you ignoramus.

Yes, I could have sold my camera, but I wanted to document what happened to me and I already sold all my other possessions to support myself. When will you be satisfied? Sell my clothes? Locking me up for being naked will be expensive (June 2014)

Tags: #mentalhealth #bipolar #depression #homeless #sex #banking #career #london #culture

This is a story of a red flag that gets raised before disaster strikes...

Why does a person sink? Why do they get swamped? Why do they collapse inwards, under the gravity of their own infinite stress, sadness, blackness? Why do they implode in a spectacular supernova? Can we ever understand and relate to depression so deep that it would drive a person to take their own life? Can we make a difference? Can we empathise, help and ever rehabilitate somebody who has the clinical diagnosis of depression, without pills and a padded cell?

From my personal point of view, I have always felt that making a mistake leaves a dark stain on me, a black mark. People seem to have a very long memory for the mistakes I have made, and enjoy bringing up things that embarrass and upset me. In my career, the people who I need to impress and to promote me are always very keen to know about my weaknesses and flaws, seemingly as an excuse that I should "know my place" and not challenge the status quo.

The world has organised itself into a Pyramid Scheme, where there are a handful of unbelievably filthy rich oligarchs, sheikhs, kings, queens and emperors and other scum, who sit in their palaces, while their people starve in squalor. The trickle-down effect is a lie, spun by the courtiers, the sycophants in the entourage of the super-rich.

This wealth-worship has created a totally fake society, where newspapers, TV and the media, exists only to tell the proletariat that they are 'special' and 'unique' while at the same time, getting them to buy mass produced products from factories in China.

The best example of which is Apple and Beats by Dr Dre. There is a standard line amongst the creative community, that only a MacBook will suffice, as a the workhorse for the output of recording artists, graphic designers, web developers and startup founders. This is backed with the celebrity endorsement of footballers, who are seen arriving at matches wearing their 'individual' choice of a pair of overpriced Beats headphones.

I have always said that it's the software packages that are important, not the Operating System (OS) or the hardware, provided that both of those things are adequately up to specification to run the software. It's true that Apple stuff "just works" but anybody who foolishly accepts a new software release too early also finds that Apple do a lot of their testing by relying totally on the loyalty of their Fanboys.

I have mixed feelings about the largest consumer electronics company in the world. I think they are more anticompetitive than Microsoft ever was in their heyday. When IBM's BIOS (Basic Input-Output System) was reverse engineered, which started the boom of IBM Personal Computer Compatible grey clones. This, along with Microsoft Disk Operating System (DOS) launched the home computer from the realm of labcoat wearing boffins, into the ubiquitous Internet-of-Things existance, where my car and my washing machine have an Application Programming Interface (API). This has been Bill Gates' vision for as long as I can remember.

I have always been fairly platform agnostic. I tend to go with whatever works, and ignore the marketing rhetoric and hyperbole.

That takes a lot of work and bravery, because at some point, people start to have vested interests. There are billions of dollars at stake in the tech industry. Apple majicked (sic.) a billion dollar App industry into existence more or less overnight. Who would have thought that paying 59 British pence for stupid little time-filling games (the developer used to keep 36 pence of that) would be so lucrative?

It also seems to take a lot of bravery to stick around and re-invest your cash in something worthy or pay the tax, because Apple seem to have precipitated a brain drain in the developed nations. I know far too many wealthy people who are hiding in tax havens, due to fear and greed. Why run away to South East Asia, taking your cash pile with you? What was wrong with paying tax or investing in somebody or something? What are you afraid of?

Perhaps I have little appreciation of risk? What's the worst that's going to happen to me though? The Conservative government will support me as a successful entrepreneur who invests in people, ideas, research & development. The Labour government will support me as a socialist who pays his taxes and does not try to evade them, recognising that the National Health Service, high quality schools and colleges, roads, libraries, street lighting, policing, fire service, trash collection, civic ameneties, community events, social services and the broad and rich spectrum of life in the United Kingdom is truly a model that every nation should aspire to emulate.

Feel the fear and do it anyway (Y2K)

Tags: #apple #computing #career #NHS #politics

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

This is a story of a noncompetitive person who became a winner...

In September 2008 I won the Poole Animal Windfest. I then got into a waiting taxi and flew to India to work with my team on the DTCC project for JPMorgan. I didn't even have time to collect my prize or wash off the salt from my skin.

I didn't even realise I had won. When I reached the shore, I had travelled far downwind from the spectators, and it wasn't until I dragged my board and kite back up the beach and started to pack up that people said I had won the final heat

That year, I wrote a software testing framework called Message Oriented Testing (MOT... a pun on the UK's certificate of roadworthiness test for cars and other motor vehicles) as well as designing and leading the coding of the confirmations engine for Credit Default Swaps, that would work with the Depository Trust and Clearing Corporation's API and the Financial Products Markup Language.

This test-driven approach delivered the project on time, despite me having to do it with completely inexperienced offshore resources, and the low number of defects left my bosses gobsmacked. I didn't realise any of this until somebody told me this a long time afterwards.

The truth is though, that was the last good code I wrote, and even that was a bit hacky. I don't really go in for Rolls-Royce solutions. Generally I'm useful when the client or customer needs something doing yesterday. When all the 'architects' have done fart-arsing around and the project is really late, that's the time that I ususually wake up and start hacking something together to get things over the finishing line.

Does that mean I'm a good hacker? In truth, not really. Doing these 'heroic' acts generally leaves me burnt out, and leaves the team with a pile of code which I'm the only person who understands. The deadline is met, but everybody else is left holding the baby, while I sleep off the 'hangover' from a work binge.

So what am I good at? Well, I'm honest - brutally honest - and I also really dislike the salesmen in software who promise the earth and then go back to their development team to give them the 'good news' that they have made the sale... provided the whole team can work for 25 hours a day, 9 days a week, for the next 17 months, and deliver in a year. We just need to make a little adjustment to the Gregorian calendar, no?

I do have a good background in Mathematics thanks to incredible teachers (my maths teacher at school taught me Matrix Mechanics after school, so I could write a 3D ray-tracing algorithm) and Computer Science (the same maths teacher also taught me and a few friends an extra GCSE in our lunch breaks) and I'm enough of a fast learner to pick up any new technology that's required of me to learn to a 'competant hacker' level... a colleague once kindly said I "hit the ground running like Linford Christie" but I think I will probably also fall over like Usain Bolt, unless I stop taking on these sprints.

I also love design and technology. I had the most brilliant D&T teachers throughout my school years. At age 15 I designed and built a motion-tracking device that fitted over a person's arm. I demonstrated it, along with the software I wrote, at Brunel University, as part of the Young Inventor of the Year competition. I think I got a prize, but I can't remember! I definitely think I have a certificate from the competition - which was awarded to me by the Rotary Club, in Lyme Regis - somewhere in the archives.

Now, what would be the perfect job for such a person? I actually have no idea. I've been trying everything I can possibly think of. I actually think, I'm pretty good at pursuading people to back other people's ideas. I guess that makes me a salesman?

The logos displayed are companies that the Hubflow platform was demo'ed to. We partnered with Video Arts, who then took it to their large customer base. Standard sales bullshit (July 2011)

Tags: #kiteboarding #kitesurfing #startup #entreprenuer #computing #banking #career

This is a story of the darkness that drives away the light...

I once wrote my own obituary, believing I wanted to die. When a kind and loving person told me that they supported an accurate portrayal of my life, and I felt I no longer had to plead and beg to be given a chance to not have my history rewritten by my perceived persecutors, I had a reason for living again.

During my descent to this point, I realised that there must be other people, going through what I was going through. I decided to try and found a startup to try and help them.

Did you know that the Apple Watch has a feature where you can send your pulse to another person's watch, and they can feel your heart beating too? This is essentially the idea I had, while I was dying. I don't claim that it is an original idea, nor that I had prior art, but only that I think it's a brilliant use case for modern technology.

One of my best friends, who had taken me in, during my descent into melancholy and infinite sadness, confessed to me that he was kept awake at night, and was stressed at work, not knowing whether he was going to come home to a corpse. Secretly I had resolved to try and end my life away from his house, as I wouldn't leave that legacy in somebody's home.

That was how I arrived at the idea. The idea that you could just touch base with somebody... to see if their pulse still beats. And if that person knew that somebody cared whether blood still coursed through their veins, they would feel a little bit less alone in the world, feel a little reminder that people still care whether they live or die.

You think this sounds melodramatic? F**k you.

I have just registered the domain name areyougone.org and the Twitter handle @RUg0ne ("Are You Gone?" with a zero for an 'o') which will tweet the name of the person and a message, when you email. For example: email nickgrant@areyougone.org with the subject line "answer your bloody phone, we love you" then message and the name as a hashtag (which would be #nickgrant in this example) will get Tweeted out to the world.

I have also registered the Twitter handle @NotGone1, and any information relating to that missing person can be tweeted back with the relevant person's hashtag (e.g. #nickgrant) and this will be emailed back to those people who emailed the address.

At the moment, it's only in Beta testing, but I have started to link together the software that can fully automate this. If it's a useful application, I will automate more and more of it, so that it can stay on top of demand. If there is no demand, that's good, because it means that nobody else feels like I did on that day.

People sometimes push loved ones away. We need to understand why (April 2015)

Tags: #suicide #depression #mentalhealth #startup #friends

This is a story of a ragged trousered philanthropist...

For those who are unfamiliar with Robert Tressell's posthumously published book, it's a story about craftsmen - people with skill and dedication to their trade - who are so passionate about their work, that they virtually work for free.

Are their masters grateful, for the passion and diligence of their employees? No, they just try and exploit them further, asking them to work longer hours and never sharing the wealth that their workforce has generated.

So who is at fault? Well, I think this is a symbiotic relationship, and not master-slave as we would be led to believe by Tressell's rather bitter and overly satirical work of literature. You can't put a price on job satisfaction. As a craftsman, if you have enough money for rent and food, you are generally looking for job satisfaction before extra 000's on your paycheck.

However, what ends up happening is that while fiat currency wealth piles up in the bank accounts of the Industrialists and Capitalists, the real store of wealth is in the brains and muscle memory of the people who built the empire. For every bead of sweat, drop of blood, salty tear that is shed, there is intangible value that becomes locked into that person's experience bank.

The software engineers who built the banking system ARE the banking system, and its store of wealth, especially after Bretton Woods and the abolishment of the gold standard. Before these capital controls were relinquished, the store of wealth was the toil of miners, who had extracted an extremely rare heavy element, created in the supernovae of dying stars, from dark holes in the ground that they had dug, mostly by hand.

Now that I can create money at the stroke of a key, it is unsurprising that it has lost its intrinsic value. Douglas Adams joked about a society of estate agents, whose currency was leaves from trees. Unsurprisingly, this not-so-fictional society had terrible problems with inflation during autumn.

So, we are standing at a crossroads in global banking. We have insisted that our investment banks and insurance companies actually have sufficient collatteral to underwrite the Credit Default Swaps and other securities that they had been busy printing, which reached an aggregate notional value of nearly $60 trillion (i.e. approximately $10,000 for every man woman and child on the planet) despite this figure completely dwarfing the entire value of every company in the world, all the precious metals, all the fiat currency and all the houses and other buildings and land (plus any and all other securities - loans, bonds etc. - you might care to chuck in the bucket).

So that was clearly a ridiculous situation, and as soon as the DTCC had been built and the major counterparties were in the system, the Credit Crunch was allowed to happen so the rich could stay nice and rich. Do you see a poor banker? No.

However, investment banking is just nonsense. The purpose of our banking system should be to grease the wheels of commerce. The most enterprising businessmen, and the most rapidly expanding and profitable companies can grow faster if they are given the capital they need, rather than having to do everything organically... so goes the theory.

What we see instead, is banks lining their pockets at the expense of every man, woman and child on the planet. George Soros famously forced the UK out of the ERM by getting leverage from an investment bank, in order to place massive bets against the Treasury. He is rich, and evey citizen of the UK was commensurately poorer after Black Wednesday. In what version of reality is capitalism working for the greater good of society?

I shan't get into the stride of my tirade, talking about the American dream (which is to be crippled by medical care bills to satisfy the healthcare industry's financial interests) and other bugbears, but I would say that people have been well and truly shafted by bankers and politicians.

There is a silver lining:

If you ask a philanthropist to build you a bank, the wealth can finally flow back to the people (September 2015)

Tags: #banking #career #london #capitalism #computing #apple

This is a story of exploration, at the ragged limit of control...

Promises are easily made, but you have to make good on those promises if you really meant what you said. When I found myself without any money or support to build the startup that would set my conscience straight, for my involvement in the Credit Crunch, and help me back to health & wealth after separation from my wife, I had to think creatively.

I sank every penny I had, plus everything I could borrow from the banks and other commercial lenders (which was a lot... I am extremely creditworthy) into Bitcoin, in August 2013. This turned out to be a rather shrewd investment. Only one friend, Cameron, was wise enough to back me, and I think the return on his capital is likely to have exceeded a lifetime of Governement-backed tax free saving.

Another friend, Will, decided to copy my investment strategy, and had me to manage the purchase and sale of his Bitcoin Miner to maximise his profit. However, he decided to hold and try to run his profits on his Bitcoins, when I was cashing out in December 2013. The losses he sustained from that mark-to-market point, have been pretty eye-watering. Oh well; he's still suckling at the teet of Investment Banking, so he doesn't need the money.

Selling my house, dividing up all my posessions and trying to move what I could to London, as well as divorce paperwork and general breakup unpleasantness, plus having to risk everything just to keep my hopes & dreams alive, was the very last distraction I needed. Doing a startup is hard at the best of times. Moving is stressful. Leaving everything you've built and worked for is heart-wrenching. Doing it when you are unwell... it's enough to finish a person off.

And so, in the first half of 2014 I had to invest in myself. All my profit was re-invested in my health. I parked my dreams of building a social enterprise - a not-for-profit built to salve an aching conscience - built with knowledge gleaned from my obscenely rich masters.

Exactly how rich did I make my masters? Well, software I designed and delivered was responsible for the confirmation of $1,160,000,000,000,000 in Credit Default Swaps contracts in 2008. That's $165,714 for every man, woman and child on the planet. That's f**ked up.

A guy I worked with resigned in moral protest... but he was really just looking after himself: he bought gold at $550 a troy Oz and a chicken farm in New Zealand. I was disturbed by what we were doing, but I'm just a frustrated coder... I knew I could deliver the project for the bank... I didn't know how to say "no".

Scarcity, collatteral, securitisation: the basis for the non-insane version of capitalism (September 2013)

Tags: #startup #career #banking #capitalism #computing #divorce #friends