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Why I'm Voting For Trump & Brexit

3 min read

This is a story about U-turns...

Trump Brexit Vote

I've been backing the wrong side. I've been in the wrong camp. I've been barking up the wrong tree. I've been the odd one out.

As somebody who's certifiably insane, divorced, nearly been bankrupt a bunch of times, been homeless, had drug problems, drinks too much, has a chip on my shoulder about a bunch of stuff, can descend into long insane rants that aren't backed by any facts, and I'm prone to irrational behaviour... what the hell was I thinking? This was clearly inconsistent with throwing my weight behind the campaign to keep Trump away from becoming the leader of the free world, and to keep the United Kingdom in the European Union.

I've failed at everything in my life and I'm angry with the world. All of my pent-up frustration with my own shortcomings will be well served with a "feel good" vote, that will hopefully give a bloody nose to those pesky immigrants. Having a minority group to blame for my economic inactivity and my bitterness and resentment, will give me an outlet for my barely concealed racism and lack of cultural sensitivity.

Frankly, I feel relieved to no longer have to check facts or find rational arguments for my behaviour. Acting in a way that has been swayed by emotive and sensationalistic journalism, feels more natural and allows me to stick with the crowd, the gang, the mob.

I feel like I'll fit right in amongst other financially reckless, insane, bigoted, bitter and twisted people who appeal to the primal, animalistic and most basic of human instincts, rather than that airy-fairy, namby-pamby, liberal, enlightened nonsense, with its touchy-feely mushy crap that doesn't give me that sense of belonging that I get by acting like a football hooligan.

Hooliganism gets a bad press, but it's quite a thrill, being part of a baying crowd, wreaking havoc through civilised society. Vandalism and violence are fun, when perpetrated against small groups of peaceful, pacifistic and law-abiding people, who can be dehumanised by considering them 'terrorist sympathisers'.

Having the world simplified for me, so that I see it as "us" and "them" has made a complex political landscape and frightening world into a game of cowboys & indians, cops & robbers, goodies and baddies. I like feeling that I'm one of the good guys, and I like excluding people, and blaming them for everything that's bad in the world.

The pressure to be educated, informed and to act in a rational way in accordance with the facts was a real drag. There was too much pressure to think about the best interests of everybody in society, and consider global issues, macroeconomics and the precedent set by foreign policy as well as the domestic treatment of marginalised people. I feel relieved to have found a way to simplify my worldview to a kind of wonderful fairytale fantasy where one vote will fix the world's problems.

Building walls, blaming immigrants, fragmentation, divisions in society, mistrust and disrespect of one another... these have always been a sound basis for policies and the advancement of humanity, I feel sure. I'm glad I don't have to check my facts anymore or consider similar historical outcomes, now that I've joined the monster raving loony party.

Go Trump! Go Brexit!

Stupid people in large groups

You might have misunderestimated me.

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What You're Doing Wrong & How To Live Your Life

12 min read

This is a story about the mistakes you're making and why your life is shit...

Yoga fire

Good news! I hope you're taking notes, because I'm an expert in your life and how you should live it.

Although I hardly know you, or maybe I don't know you at all, I'm sure that I can judge you, and tell you everything that you're doing wrong. I have no idea about your history, what it was like for you growing up, what stresses and strains uniquely affect you, and what if feels like to be you. However, I feel completely qualified to be able to tell you how you should be living your life, and where you're failing.

Even though I'm not furnished with a complete and comprehensive knowledge of all areas of life, I feel that my advice is completely correct and is pricelessly valuable, even in areas that I know nothing about. I'm completely certain that I could do a better job than you at things that I've never done, even though I've never done them and have no idea what it's like to be in your situation. However, I feel sure that if you just follow my advice to the letter, it will work, although I can offer no evidence to back up this assertion.

Are you with me so far?

Even though all my past relationships have ended disastrously, I'm sure that I can tell you how to get along better with your partner, and have a closer and more loving and rewarding relationship with your other half.

Even though I've never been a parent, I'm sure it can't be that hard, and you're just doing it wrong. I'm sure it's probably pretty simple and you just need some really simple, obvious, patronising advice, in order to get it out of your head that it's exhausting and a struggle. I'm sure that you'll be able to see beyond the complexity in your own life, and with my help, you'll be able to adopt my simplistic worldview that is not based on an objective reality.

Even though I have nearly been bankrupt a couple of times, have recently struggled with debt and cashflow, and my career path has gotten increasingly erratic of late, I feel sure that I'm the best placed person to tell you how to get ahead in your job, get that promotion and achieve greater job satisfaction than ever before, even though I'm not happy in my own work and have instead decided to tell other people how to get something that I've never managed to get myself.

Even though I don't eat healthily, exercise enough and I engage in various activities that are potentially damaging to my body and mind, I feel sure that I am uniquely qualified to tell you what you should and shouldn't put in your mouth, and that you're fat and lazy. I'm quite comfortable with telling people to do as I say, not as I do, and I do not suffer with an ounce of self-doubt, despite the palpable irony.

Even though my sanity is clearly in question, and I have a chequered past of mental health issues, including many episodes of depression, overspending, risk taking and other pathological behaviour, I feel sure that advising other people will prop up my own sense of security and distract me from my own failings, as some form of over-compensation for the fact that my life is clearly a fuckup. By concentrating on the negative things in your life, we can gloss over the glaring problems in my life.

You should consider yourself lucky that I have decided to be your life coach, whether you wanted my advice or not. Probably not. No, you definitely didn't want my unsolicited advice, but you're getting it anyway, because of the aforementioned need to distract myself from the problems in my own life.

London sunset

Look at the view from my balcony. LOOK AT IT. This is in no way me overcompensating for a crippling lack of self-esteem. I want you to think of me as successful and happy, even though I am clearly burning cash in order to maintain an outward image of having my shit together. THIS IS FOR ME ONLY. You need to stay living in your shitty place in the middle of nowhere with the view that looks right into your neighbour's windows, or onto an industrial wasteland, in order for me to feel superior, and us to maintain the superior-inferior relationship that allows me to inflate my fragile ego at your expense.

You should know that I earn a lot of money, and have almost but not quite been successful, hence writing this, but all the same you should treat me as if I was successful. The fact that successful people aren't the ones writing the self-help books, because they're too busy snorting pure cocaine off the tits of supermodels on their yachts in the Cote d'Azur, should not at all affect your misplaced respect for what I have to say.

Fundamentally, anything that's wrong with your life is your fault. You made bad choices in life and you need to blame yourself and feel guilty. Guilt and regret are the basis for the feeling you need to have that you're somehow inferior to me. You need to think of yourself as fallible and stupid, and think of me as someone who's never made the same mistakes as you.

Please imagine my life as being like this: I never made stupid, bad choices in my life, and that's why my life is perfect and I love it and it's amazing. You listen to me because my life is blemish free and I've never fucked up, and I'm so happy and fulfilled and what I'm doing with myself is so rewarding, and I've got everything I've ever wanted. You just have to try to be just like this too, and if you're not it's your fault for choosing not to be, and it must be because you're a bad person and you want bad stuff to happen.

Are you with me so far?

Ok, so think of something you're not happy with in your life. Got it? Right, the next part is going to blow your mind. All you've got to do, is decide that it's not going to be a problem anymore. I want you to think of me as not having any problems, because I decided not to have any. Because having problems in your life is due to your poor choices. You decided to have problems in your life, and all you've got to do is decide not to have them anymore. Problem solved.

Hurrah! I bet you're feeling better already. If you're not, it's because you've decided to be unhappy, and you're a bad person. Perhaps you're too stupid and lazy to decide not to have any problems, and just have a perfect life, like I want you to imagine that I do.

Are you getting it? If not, here are some passive-aggressive words on a pretty photo, in order to further hammer home just how stupid and shit you are:

Motivational quote

Feel free to share that as much as you like on your Facebook wall, to make other people think that you're living a successful happy life, looking down on other people and that people should respect you as some kind of lifestyle guru. You should also feel a smug sense of satisfaction, that you have shared some useful nugget of information that will be transformative in the lives of others. Give yourself a pat on the back and go to bed tonight with a warm fuzzy glow inside.

Anyway, back to oversimplifying the complexity of your life and making you feel inadequate and a failure, so that I can pump up my own floundering ego...

So, have you hugged a dolphin today? Why not? You're neglecting your duty as a strong eco-warrior nature guardian woodland pixie member of the human global eco planet mesh network system synergy community tribe consortium of mega-love and self respect, by neglecting your duties to humanity and dolphinkind.

I know you have to get up at dawn to make packed lunches and hose down the vomit and snot from every surface of your home that's overbrimming with broken toys and childrearing equipment, neglected exercise aids and jam-smeared expensive trinketry that reminds you that your formerly ordered adult life has now been smashed to shit by the arrival of your unruly offspring. However, you're failing your children unless you set aside 3 hours a day for tribal chanting and other archaic rituals that serve no obvious purpose.

If you're struggling to juggle the demands of the school run, after school activities, getting nutritious food into the mouths of your picky eating kids, making sure your little darlings have a well-rounded childhood, including lots of social time with their friends as well as healthy wholesome outdoor playing and limiting their 'screen time' to a ridiculously unattainable number of dictated minutes. Just remember this: it's because you're a bad person. You made bad choices and it's all your fault.

If you ever need to know where you went wrong, look at my imagined version of my life that I project, through telling other people where they went wrong with their lives and pretending that my own is perfect, and you'll have all the more reason to loathe yourself and feel guilty and a failure. Just remember the handy phrase: "this is all my fault. I made bad choices and it's all my responsibility. I just have to choose to not have this complexity and these problems and then my life will be perfect. If my life is less than perfect, I have failed".

You should repeat some variation of the "I have failed" mantra to yourself, until you are sufficiently demotivated, depressed, overwhelmed and lacking in self-esteem, to get off your fat, lazy, unhealthy, selfish backside and choose to not have the problems which exist because of your choices and because you're a bad person, you monster.

Another motivational quote

Basically, you should assume that I'm a better person, and that I spend my life swanning around from amazing experience to amazing experience, and that you could have an amazing life too, except you are holding yourself back. You are denying you and your family the life that they deserve, with all this 'reality' bullshit, where you insist on including elements from your life that are complex and don't fit my fake worldview. Damn you to hell for insisting on living in reality, with all its wrinkles and niggles and imperfections... it's your fault, not mine! You should choose to live in the fantasy land that I imagine exists.

Any deviation from the oversimplified fantasy that I portray is all your fault and down to bad choices that you made.

Try to imagine me living the most perfect life you can imagine, without any of the stresses and complexities that you face in your everyday life. Now, try to imagine that your own history, circumstances and reality are completely controlled by the decision to allow or not allow reality to be real. In this fantasy world that I desperately want to be real, in order to compensate for my own failed life, the problems then disappear. Your failure to make all the problems disappear is a problem with your faith and commitment, not with my barking mad interpretation of reality as we all experience it.

I hope you're keeping up with this, because otherwise you're letting yourself down, you're letting your family down, and you're letting humanity down.

You're practically getting in the sea and raping dolphins, if you don't subscribe to this prescription for a perfect life that nobody has yet lived, but yet I preach with absolute confidence as an infallible template for bringing yourself happiness and contentment.

The evidence is that attempting to apply these unrealistic and impossible ideas to your day-to-day existence will only result in a sense of inadequacy and failure, and believing that people are better and less fallible than yourself and blaming yourself for things, will only lead you to feel depressed. However, try to put evidence from your mind, and just concentrate on the guilt.

Guilt is good. Please use it to help me avoid my own sense of failure, by listening to every word I say and sharing my motivational passive-aggressive images on social media to create a culture of comparison to an unattainable standard of living and an unrealistic set of guidelines for living a perfect life, which conforms to what we wish to be true rather than what can be objectively be observed to be the limitations that we must work with.

If your life is shit, listen to the failure who knows nothing about your life and the harsh reality that you face.

Bike ride 

Ride your bike in the green and wild places. Don't just take photos to put on your stupid blog to make people feel like they're lazy and shit for wasting their pathetic lives with the mundane complexity of everyday life.

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My Only Friend

17 min read

This is a story about destructive relationships...

Ritzy

I stood up my most respected and one of my most sorely missed friends for the third time yesterday.

I was supposed to see him and his family just before Xmas, then we were going to have Tea at the Ritz, then we were going to travel to Heathrow, catch up on the train and in in the ample time before his flight.

WHAT'S GOING ON?

Well, I've never not had a girlfriend. I'm too addicted to sex. After the most almighty row at my ex-wife's brother's wedding, we took a break from each other for a few days. While she discussed my faults and possible solutions with her parents, I found a way out of one destructive relationship and into another.

I have written before about our unhealthy co-dependency on sex, and sex on drugs. "NRG-3" had no ingredients listed, but it was the last untried chemical on a legal high & research chemical website where each weekend, my ex and I would fuck on a different drug.

I would spend a bunch of spare time at Cambridge, reading about research chemicals, and then I would order one, ready for when I next saw my ex. I saw us like Alexander and Ann Shulgin, and had read their candid co-biographies about synthesising about 3,500 psychoactive drugs, and testing them all on themselves. The ones that seemed safe and interesting, as an aphrodisiac, Alexander took with Ann and they compared notes in their famous books PIHKAL and TIHKAL, which I read when I was 17/18 years old.

Only "NRG-3" was going in the bin. I did some snooping and found that "NRG-x" was the name for the old stock of unsold 'legal' highs that weren't legal anymore. Most people speculated that it was Methylenedioxypyrovalerone, which Crystal Meth and Crack users were switching to because it was 1/1,000th of the price per dose. Except MDPV had terrible extrapyramidal side effects in people not regularly abusing stimulants: panic attacks, palpitations, tachycardia, hyperthermia and said to be more addictive than the illegal drugs.

John McAfee, the famous billionaire software engineer became addicted to MDPV and started posting videos of himself pointing a loaded gun at his head on YouTube. The more I read, the more convinced I was that I needed to add the pyrovalerones to my 'never try' list (heroin, crack, crystal meth, PCP).

Only, in a suicidal state after the aforementioned temporary separation from my ex-wife, I thought "fuck it, what harm can 15mg do?" 15 milligrams is 10 to 20% of the size of a dose of 'most' stimulants. The line of white powder is more of a short, thin, hyphen. Your eyes can't believe that 15mg is so tiny.

My affair started immediately. I loved this drug. I loved the effects of this drug more than the pleasure I derived from my destructive relationship with my ex-wife. I had a mistress. I was having an affair. I was also free from the fear of losing my co-dependee.

I took 800mg over 4 days when I had intended to only take 15mg, for the duration of it's effects, which could be between 3 and 24 hours. It's not a stable and predictable compound. My behaviour had always been stable and predictable: I would take a single accurately measured dose, orally, and I had never ever broken my rule.

I had tried maybe 50 drugs up to this point, so I wasn't naïve, but I found myself saying and doing things I knew were addict clichés. "I'll just have a little bit more", "that looks underweight/small, I'll just increase the dose slightly", "I'm going to have one last dose then I'm going to stop", "OK, this really is the last one".

I didn't eat, I didn't sleep until the 3rd night. When I woke up I was having a terrible panic attack. Time inched by. My pulse and blood pressure were maxed. I was convinced I was going to die. I wasn't naïve though. I downloaded a computer game called Samorst, and played that for 12 hours. I felt a bit better.

This happened a few weeks after Springboard ended. I knew I had to pitch in London a month after demo day. I remember almost turning back home as I was almost on the train to London, because the thought of leaving my drugs for a few hours was scary. Way scarier than giving a pitch while high and hoping nobody from Springboard noticed I was high, sleep deprived and I had lost weight.

Everyone said that my London pitch was better than my Cambridge one (practice? home town?  drug-induced confidence? Smaller audience?).

Maybe I just didn't care so much. Jason Trost of Smarkets spotted the founder problem I had right away. I picked a startup that would be cashflow-positive, I could code in on my own in no time, and we already had a customer (5 or 6 household names by the time we started Springboard). The problem was this: I'd solved the problem in my head, written it: boring work only now, and I had no founder passion except pride in our startup.

David Hazell should have been the CEO from day one, and it took him well out of his ColdFusion comfort zone, but he can code Java and Objective-C as well as running a well administered business.

So how do you cure an MDPV addiction? Simple. Stop taking it. My ex took it as personal that I got addicted and she thought I wouldn't quit out of stubbornness  and I just needed shouting at and abusing.

I had a 'man cave' (office/lounge/bedroom) built in the summerhouse I built, but she would still walk down the garden path to shout at me there.

Man Cave

As if this wasn't enough, my parents were ordered to come and take me away. Things didn't get off to a flying start when my ex lets my Dad in and he's been primed to start shouting "you're a junkie" too, the moment he got in my front door. I was in the middle of an email about admission to a specialist drug clinic in London, and I should have told the hypocritical c**t to get the fuck out of my house that I paid for, back to his house which was bankrolled by my mum, and the money that came from the profit of the little cottage that my granny bought her.

My parents then insisted that we get some fresh air (it was January and I was not in a good state). Even though I wore dark glassess and a coat with a big collar, it was still mentioned at work that somebody had seen me out on the clifftop while I was off work sick.

My GP kindly gave me 5 weeks so I could attend the 28-day detox program at The Priory, where one of the country's best psychiatrists specialising in dual diagnosis (Bipolar & substance abuse) was based. A few white lies were told to protect my professional reputation and my health insurance would pick up the £12,000 bill.

My ex-wife said if I went into private hospital, she would divorce me. My psychiatrists said dual diagnosis mortality rates are very high, they disagreed that it was lack of willpower that had meant I hadn't quit by means of being shouted at, and professional care was needed, even just to see what was going on with my comorbid Bipolar II.

3 and a half weeks is what I lasted in hospital, before it dawned on me that I was going back to the same life. 3 weeks became a kind of benchmark. I could quit for 3 weeks, but never any longer. Ignorant people will say that proves a lack of willpower. Fuck you ignoramus.

When separation and divorce finally started to happen, my friend Will rescued me back to London, where I managed 2 months abstinence before my lazy ex wife insisted I travel 240 miles to get 3 valuations on a house she lived and worked less than a mile from.

I had just founded a new startup, was in advanced discussions about raising money, had built a working prototype, cycled to TechStars London every day, had a beautiful girlfriend and lived with one of my oldest friends and made new local friends as well as reconnecting with old.

Paying the mortgage on an empty property ate my savings, especially when she rejected a cash buyer who wanted to move in 6 weeks. Instead she chose an agent who didn't know the area or have any clients looking in that area, and accepted an offer from a couple in a chain who didn't even have an approved mortgage. They took 6 months.

When my parents refused to help ease the cashflow burden like they had repeatedly promised they would - not wanting stress to cause a relapse - it took me a hell of a lot of effort & distraction to raise money that I would have prepared in advance, if I knew their offer was just hot air.

I relapsed back in Bournemouth, with the idea of turning the house into a homeless shelter or something else to piss my ex off. Rang the family solicitor after all the other laughed at me, because I had trashed a hotel room in a drug-fuelled rage, and I wanted to prepare them before I handed myself in to the police.

Strangely my friend Tim turned up, got me out of there, then my Dad got me back to Oxford. Turns out the family solicitor had phoned my mum and begged them to help their son. I was very keen my dad contact the hotel and let me settle the matter with them directly. He didn't care. He doesn't have my ethics.

I had told Will (most innocent and naïve man ever) to chuck me out if I ever got any mail from Spain or Germany. Luckily I managed to find MDPV in the USA, but it still feels shitty using drugs in your friends house, even if you're trapped on the first floor with your leg in plaster in agony because the docs won't give you anything stronger than Tramadol (in case you abuse it).

Camden Town is not a good place to be a drunk or a drug addict. I would meet with Frank every day for weeks until he got a paid hostel bed. While I was making notes, to tell his story, I unwittingly took down the addresses and contacts of everywhere I had to go to try and get help from Camden.

Eventually Will did chuck me out, because of lies my Dad told him. Will did it very nicely, but my Dad destroyed the relationship we had. I remember lying in hospital, 2 canulas, torn liver, burnt abdomen, failing kidneys, and not only did Will ask for his keys back, he asked if I had made any other copies.

This is what happens when a drug addict hypocrite c**t like my Dad starts 'helping' instead of helping like he originally falsely offered to do with a modest bridging loan.

(as an aside my parents lied to my sister and said they'd lent me 250% More money than they actually did, and that I was 'emotionally blackmailing them' by being in hospital, even though they're not my next of kin anymore and I would never bother telling them if I was in hospital. No, my mum said it's ok because it's only worth making the coroner's if they need somebody to identify my body)

I survived homelessness and further hospital admissions, so I saved my mum that train fare, but Camden Council kept reneging on their promises. I got a one line email from Camden Council Housing, saying I couldn't even get a hostel bed

"On the basis of the information you have provided I am afraid that you do not meet the residence criteria to be considered for our Hostels Pathway Scheme."

What the fuck? Do you only accept people with money and houses and nice parents?

If you ever want to speak to a psychiatrist in hospital here's a little trick. Ask the the receptionist if you can borrow her phone and then dial the switchboard. Say "can I speak to the bleep holder for psychiatric liaison please?" Make sure you don't let on you're a patient until you absolutely have to. Saying "I'm trying to locate a bed in a psych ward or crisis house in London for a voluntary admission" doesn't actually contain any lies.

In this way, I was able to get 2 whole weeks of accommodation out of the council tax I pay Camden Council. I don't feel bad, because I had a massive wound in my leg and my penis was hanging off.

At the end of the two weeks, Camden Council said "here's a number for you to phone [if you haven't been mugged or stabbed, and still have your phone]  in the morning for us to come check on you". I said I wanted to stay in a a derelict tennis court maintenance shed to stay dry. They said, "we need you to stay where [muggers are and people have pissed]".

So I booked myself into a suite at the Royal Camden Golf & Spa Resort (a 14 bed dorm in a hostel) and proceeded to go into drug withdrawal. The think about London hostel dorms is, there's bunks, and there's a bathroom, and then outside there's the capital city of London, but if somebody is going through drug withdrawal in one of the bunks, fuck London, you should stay and watch them cos there's no privacy. It's like "Trainspotting" as a live play with one of the best actors you'll ever meet.

Fuck rehab at £430 a night... a hostel is a great place to get clean, provided you have a Laurence. Laurence could see that this was a dress rehearsal, and opening night would be never hopefully, and ushered a disappointed crowd of rubberneckers off around the sights of London. 

I'd managed to hang onto enough money to put myself through the cheapest rehab in the country, which is in Bournemouth believe it or not. I told my mum to hang on though (could hae been yet more lies anyway) because I needed to finish my round of golf and I had a massage booked for later [as in, hostels are like cheap rehab anyway].

Before long I had a group of friends. Laurence from the mountains. Rory the Lidl vodka stealer. Jody the poet. Definitely not French Jack. Psychic Laura. "I just want a baby" Priscilla. "Quite Old But You Still Would" Marla, Gorgeous Flavie, My later ex (banned) Antonella. DJ Kristos.... and many many more, including Paolo who had previously been acting tourguide, but with about 8 times as many years in the Big Smoke than him, I accidentally stole that role.

The thing about a hostel is, if you want drugs, everybody else wants to share, and you have to be high in public. Also, there's none of this pious "not a drop of alcohol shall pass my lips bollocks", and it's a lot easier to get clean with a beer in your hand than an herbal tea being told by some ex-junkie "drugs are bad mmmkay".

It took me a month to get clean and another month to get a job (and stay clean) and then I stayed clean until I dumped Antonella for being abusive, and then Laura got all mumpy that I didn't move onto her. Jody, who was in Love with Antonella, also was angry with me. My entire group of friends in London (except Rory) fell apart, and then my contract ended.

  • Abusive relationship = multiple relapses
  • No money + massive stress = relapse
  • No job + no friends = relapse
  • Innocent/naïve middle class person + lies about drug addiction = no friend

So I was nursed back to health by the nicest family in Ireland. The O'Riordan's of Killlavullen, Cork [The Rebel County]. I owe them my life.

Clovoulah

The thing about the O'Riordans is that they're the smartest most hard-working and make do people you'll ever meet. Eddie, Laurence's dad's climbed 8,000m peaks and can sail, as well as repair just about anything. Breda, Laurence's mum is just so full of love & care, without all that œdipus complex bollox that my mum needs to deal with. There's sister Maria the nurse who all the boys in Magners drink in to look at and chat to, but they know they'd get the beating of a lifetime if they touched her. Then there's Danielle, with her scholarship, but she's practically already [unofficial] #2 in a company that's about to IPO. She's got Dublin culture but no arrogance.

Anyway, seeing and staying touch, and not falling out with friends is hard. Imagine if all your money just takes you deeper into debt, and keeping your mind quiet is harder than working any job... and it used to say lots of interesting things, but now it just says one: "MDPV"

Just about anything and anything that could have hurt my self esteem has happened. Showing a nurse your penis hanging off is a good one. How's about the police leading you out of a hotel, handcuffed, just wearing boxing shorts ["I'm sure you deserved it, you devil"].

And I keep having to go back to doing what I have done since the age of 17 to stop myself from going bankrupt, but I hate it and it's so easy I can type and have a conversation at the same time. And then when I've got just enough money, I'll walk into the boardroom and I'll tell the board exactly what I think, and I always get fired, but they're too scared I'm going to whistleblow to not give me a reference, so they just quietly sack whoever needs to actually go.

So, I came up with a couple of lists of things I like doing and don't like doing, and I've come up with a bunch of ideas that bring in money, keep me busy, and doing the things I like not the things I don't.

I'm sending it to Jakub, because he's the only man alive who can judge whether I'm talking pie in the sky bollocks or it might be worth a go (maybe with some discussion with his dad).

I have a practical speculative list too, which I might send to Rory, as he's the only man alive who'd come in on me with some mad scheme to stop both of our minds from driving us mad.

Jakub, it just remains to say, I'm so sorry for standing you up, but I was 6 months clean in San Francisco, but I had to ethically walk away from the HSBC corruption and incompetence. Since then, it's been promises, promises and false starts, but I'm waiting for the day when I either die cos I'm dumb enough to figure out how to get high for 14p a day, or smart enough to do something I can be proud of and it was my destiny.

Like Father Like Son

So cute (9 October 2013)

 

P.S. - Sansa (Happy Birthday!), Lydia, Margaret, Nicola, David, Willian, Will, Jess, Cameron... I'm going as fast as I can. It's like trying to get a 10,000kg ball rolling.

 

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Runway

6 min read

This is a story about getting airborne...

San Fran Sunset

In startups, we talk a lot about runway. That is, how much money you have left to pay all your bills before you go bankrupt. The thing about doing a startup is, you don't make money from day one. You raise some money, build a product then try to get the revenue up higher than the bills... and you need to do all that before you run out of runway.

Most ordinary working-class folks know a lot about runway. They know that they have to pay their rent, bills and then make the remaining money last for things like food and transport, until payday. Every single month there is uncertainty about whether they're going to be able to get to work, if their money runs out before payday. That's called running out of runway.

A lot of low-paid jobs pay weekly. That's useful for something called cashflow smoothing. It means that your cashflow looks like lots of little peaks that aren't very high. If you got paid the same money on a monthly basis, you'd see a massive spike on payday, and then cash would slope down, down, down for a whole month, before spiking again.

If you run a limited company or a public company, you could pay yourself wages, weekly, monthly, whatever, but wages attract income tax. Income tax is 45% for people in the highest tax band. So if I wanted to do some cashflow smoothing, it's going to cost me 45% of the money I worked hard to earn. That's quite a waste of money if there's another way to pay myself that doesn't attract such high taxes.

Generally, I have to work for a month, then I can invoice my client for the days worked. My invoice is payable within 30 days, but it basically takes a whole extra month to get the money into my limited company.

Ok, great. Now I can pay myself wages... but I'll have to pay 45% tax and loads of national insurance. On the one hand, I really need some cash, because I've already lived for over two months without a single penny of income, but the main person who's going to get rich out of that arrangement is the taxman.

So I work another two months, plus the month for the invoices to be paid. That means that I have three months worth of invoices paid into my limited company. Now it's time to pay myself a dividend. Limited companies can pay dividends from their profits once every quarter. So, to maximise your dividends, you need to have 3 months of invoices paid into your limited company.

But that means that you've been working for 4 months, and not been paid a penny. Harsh man. However, the tax savings are considerable. This is not about me being a tightass with taxes. I always paid full taxes, and then when I got sick, there were no state benefits available to me, despite being under the limit for savings etc. etc. The state safety net just didn't exist when I was homeless and penniless, so fuck the government. I now save the tax and try and set it aside for when I'm sick.

Now, OK, you have your dividend... 3 months pay. You're feeling pretty rich, right? Well, if you've been living in a hostel, you might like to now get a flat. That'll be 6 weeks rent as a deposit, a month's rent in advance, and probably about £500 in estate agent fees. There goes £6,000 of your hard-earned cash.

What about how you lived for those 4 months with no income? How did you do that? I guess you probably had to borrow money. So, you use your remaining dividend to pay off all those debts you ran up, staying alive.

So, what now? Well, you'll have to work for another 4 months, and then pay yourself another dividend, and live off what's left after you got yourself a flat and paid off your debts. Oh, there isn't anything left? Oh dear.

The thing is, the system is fairly well tuned to fuck you. I can borrow money more cheaply than the tax, but the interest is compound, so it works out about the same. I could take a wage and pay the tax, but then I'll have less money left to pay off the debts. Between the banks and the taxman, you're f**ked.

It's true, each quarter things get a little better. I was planning on working for about 9 months, and then I would have been quite nicely sorted, but if you think that it's stressful waiting for payday, try waiting for 4 months for payday.

That's the life of an IT contractor. I'm an IT contractor. That's what I do, for a living. Yes, I could bake bread, stack shelves or work in a warehouse... are you fucking stupid? There's nothing wrong with those jobs, but if I wanted to burn money surely it would make more sense for me to do some IT contracting and then literally set fire to £50 notes. Jeeps, you must have a degree in Economics from Oxford if you think that it's a smart idea to not work the highly paid job I'm qualified and experienced to do, and instead work a job that doesn't cover my cost of living and is stopping me from getting the highly paid job that I'm qualified for. I'm sure that you'll be getting a tenured professorship any day now, with original thinking like that.

My cashflow is lumpy, and I don't have much runway, but at least this time I have the flat already, and a friend who can count higher than the 3 deformed stumps on their retarded hand has helped me to make sure I don't end up driven to suicide by the stress of being let down by liars again.

My plan was to start the contract hunt in the second week of January, when people were coming back from their holidays. I'm over 2 weeks late and sick as hell, but it'll be OK. I somehow got the HSBC job looking like this:

Discharge

Yes, that's a hospital wristband. Arms are pincushions as usual from double canula and providing a gazillion blood samples (June 2015)

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Everybody is so Fucking Busy

17 min read

This is a story about modern life...

Consultant Timesheet

I missed 5 blog posts. 3 people were worried on Facebook, plus my flatmate. My sofa-surfing Kiwi has gone back to NZ.

2 of those people, I met at a hackathon, back in October. When I had to go into hospital a few weeks later, one of these new friends brought me a backpack that contained a set of hand-picked items from around my room, each thoughtfully chosen as something that I would probably need during a week or two in hospital. It felt like Christmas.

When I got really sick over the Xmas/New Year period, my other new friend came and sat on my bed and gave me a hug. He also did loads of my washing, cooked for me, and generally nursed me back to health. The most important thing he did though, was to just be thoroughly lovely. It makes a difference, somebody asking how you are and giving you a hug.

I was in a pretty bad way with muscle wastage and weight loss, having stopped eating for about 2 and a half weeks. Obviously I couldn't impose on my poor friend, with additional burdens, such as extra shopping to carry home, when he was already doing so much that was well above and beyond what any flatmate and friend would do.

Another new friend had become concerned by my lack of blog posts, and had actually come over to my flat on her own initiative. She's a very active person, with a busy life, but it so happened that she was off work... although I doubt that she pictured herself nipping to the Tesco Local for protein shakes, isotonic fluids and anything that had high calorie content. It was so kind and helpful of her that she did.

So, I just received an email from my sister. Apparently she's been getting shit from my parents, because they've read my blog and being the horribly abusive people that they are, they are taking it out their frustration with semi-illiteracy and their almost total exclusion from my life, on my poor sister.

Let's recap what wonderful parents they are, because apparently I've forgotten all the great stuff they did for me:

  • Born to a couple of junkies. My mum was a student and my dad was failing to make enough money to support a family by buying and selling junk.
  • Grandparents took pity on 3-year-old grandchild and bought them a house. Dad still doesn't have a proper job... too busy taking drugs.
  • I spend all my time when I'm not at school in the pub, because my parents still can't afford to support a family, a drug addiction and alcoholism. Alcohol comes first.
  • My Dad decides to scale up the junk buying/selling that didn't work before, so I have to leave all my playgroup and primary school friends to move to Oxford
  • Between eye patches that I don't need and a yet another girl's bike with a fucking basket on it, I pretty much become the most bullied kid at school. I remember picking gravel out of my back whenever I was 'clotheslined' on the hard play area.
  • My mum did take me to London a bunch of times, which was nice. We went to the Science Museum, which got me interested in science.
  • Move to a school with a uniform. Turnups and the school blazer (optional) plus carry-over from previous school means the bullying continues. My mum sympathises with the bullies.
  • I get a goldfish. He's called Fred. You can't stroke a goldfish. It's a shit pet, but I cry when he dies and make a little gravestone for him.
  • Finally get a home computer. Not the Apple Mac like Julian and Joe have, or the PC like Barnaby, Ben, Marcus etc. etc. No... this is the last of the ZX Spectrums ever made
  • Have to move school again. Great school. Bullying not quite so bad as there is an unpopular Russian boy and I'm in all the top sets and a good form group... so my parents decide we should move to France
  • Some accountant friend of the family takes pity on me and gives me the oldest PC you've ever seen in your life. No software works on it, but that doesn't matter because the monitor is black and white anyway. This is my parents main gift to me: giving me something that's so unbelievably unfit for purpose that I try and try in desperation to make things work.
  • Learn to speak French in France. Also didn't make any friends in the UK, and was away from all my other friends. Given the choice, I'd rather have friends than be able to speak French.
  • Another new school. Bullying atrocious. Teachers are nice though. One of them takes me sailing after school... like a dad.
  • Rather than leave me in a town where I can cycle everywhere and remain with my friends during puberty, we move to the middle of fucking nowhere. I write letters to my friends on floppy disks and post them to them. One friend comes to visit. One. That's it. One.
  • Sailing club is good... thanks again to that teacher
  • Another start at a new school ruined by the only bike that was capable of tackling the steep hills being a proper mountain bike. One that my dad stole. It was a girls bike. I had to ride past over 1,000 children all congregating on a big long pavement, before going up the steps to the school. My few sailing club friends disowned me.
  • I was supposed to be saving up for another new computer, but £10 a week from a paper round doesn't leave a lot of spare money to buy replacement parts for my mountain bike, which gets used at least twice a day on very steep hills
  • With a small contribution from me in cash, but absolutely huge in terms of the number of miles I cycled every day on my paper round, my Dad got me my new computer, well after its processor became obsolete. It doesn't have a co-processor or enough memory, but I figure I can upgrade those parts when I get a better job than a paper round.
  • My dad bought the shittest, most rotten, neglected boat that looked totally not water-worthy. I restored it, then sold it for a big profit. Can't remember if I paid him back.
  • I had a small financial contribution when I bought my 4th and 7th cars. The 7th car was brilliant, but I could have paid for it myself. I think I was only short a few hundred quid, and I was IT contracting so I was raking it in. I can't believe how my parents still say they "bought" me that car. I shall have to dig out the bank statements.
  • That's it!

Oh, here are a few things that my parents like to misremember:

  • They gave me one of their cars. My mum had crashed it and it had been repaired by a blind man. The thing is, it wasn't a gift. My granny had been saving money since I was really little so that I could get a car and insurance, and I would have easily been able to buy a small engined petrol car, in a low insurance group, with cheap parts... like everybody else my age. Instead, ALL the money had to go on insurance, and the shitty car broke down all the time, and because it was a complicated diesel with expensive parts, it was the world's shittest car for a broke 17 year old.
  • Holidays: well, actually these were conferences for my mum, or the shitty dilapidated house in France where I was away from all my friends in the UK. My parents were always pulling me out of school, and sure it was an education and experience, but it was just what my parents wanted to do, with me along in tow. If you were going to do it anyway, it doesn't count as something you did for your kid. The fact we drove past Alton Towers so many times but never went illustrates their mindset perfectly.
  • I've cost them a lot of money. Horseshit. I read books from the library or was playing round at friend's houses or somewhere I shouldn't have been. My parents never bought me the correct shoes to not get beaten up. Once I saved up the money from my granny and bought a pair of Nikes. I remember everybody commenting at school for days. I remember wanting to fall asleep just looking at them.
  • They lent me money when I was in London. Nope. What they did was not lend me money when I was in London. I needed it in October 2013. Two years late is too late.

Ok, so there are myriad little things, mainly to do with cooking with my mum. My mum is really great. She did try her very best to give me a nice life. She worked hard, paid the mortgage and bankrolled my dad.

I'm trying to think of a nice memory with my dad, but it's all so practical. I was always watching him do DIY or cook but the only thing I think we learned together was when he taught me to read & write. Later, we would change the oil on a car and suchandsuch, but we never did something together, although I was allowed to come along to car boot sales, for example.

My only memory of him really taking an interest in something in my life was when I wanted to do a sponsored mountain bike ride, and I hadn't been doing the big hills for long enough to really travel all the way to the town where the event was being held, and then have much remaining energy to race.

It wasn't much more than a completely lumpy field, with a savagely steep climb, long traverse, descent and then back on the flat to the bottom of the climb again. I had no bottle cage on my bike and I was dressed in jeans, and it was a pretty hot day. People were laughing at this kid in jeans with a touring helmet, no other safety gear, on a girls bike.

When the race started, I left everybody who had "all the gear but no idea" behind. The traverse was quite tricky, especially without toeclips. The descent was suicidal on a fully rigid bike, but I started to lap quite fast.

The more the laps went by, the more of the skilled but unfit riders fell away. The ascent really was a killer in that heat. Anyway, I decided I'd better stop after quite a few laps, because I was feeling really badly dehydrated, and I was sick of getting flies in my eyes.

My dad was gobsmacked. I can't remember where I finished, but from his point of view, I was just lapping everybody over and over and over again. He took me to the bike shop in the nearby town and bought me a pair of clear cycling glasses for the flies, mud and stones, plus a bottle cage and bottle so I could carry a drink with me.

Perhaps if I racked my brains I could think of something else, but getting complemented on my riding, and then him making a further investment - unprompted - to allow me to take my hobby further, was a special moment.

So, my sister's pretty pissed off with me, but I can't understand why. My dad conspired with my wife and my GP to drag me away from my home, my life was dismantled, and the one time in my adult life when I did actually need and want their help - and it had been offered - they reneged on their promise in October 2013, and bang went my best chance to put my life back together in London, thanks to their lies.

I've not really altered the formula, and it's really quite simple:

  • Place to live (not a hostel, tent, or shop doorway)
  • Job (I'm an IT contractor. Thanks for your offer of [insert low wage job] but it would be uneconomical of me to not focus my search on highly paid contracts)
  • Enough money for any cashflow shortfall until the 60+ days it takes before I get paid are done, plus I've absorbed the hit of the 6 weeks deposit, 1 month rent & agent fees
  • I'm afraid that I'm so profligate that I replace my suit every 5 years, and my overcoat every 12 yeas. Shoes, I'm afraid I throw away when the shoe repair man laughs in my face. Shirts, I replace when the collar is worn through and it's horribly yellow under the arms.

There are certain things that people in London don't do either:

  • They don't walk for 2 or 3 hours. They get the tube. That costs over £5 a day
  • They don't bring a thermos flask of coffee into the office. Coffee is a £6 a day habit, but a necessary social visit
  • They don't bring a picnic basket, get the blanket out, lay it down on the office floor, sit down and start getting foil-wrapped cucumber sandwiches out. Lunch is a £5 a day habit
  • They don't drink much water. Sometimes they drink fizzy drinks. Sometimes they drink a kale, ginger and apple smoothie. Drinks are a £3 a day habit
  • They don't have home-brew kegs hidden under their desks. When a Londoner goes for an after work drink, which is pretty much a social necessity, they will spend £5 a pint or more
  • They don't work the longest hours in Europe and travel on a packed tube train to then get home, travel back in time, and start making fresh pasta and picking basil leaves in the garden they don't have. Your economy Londoners will buy fresh pasta and pesto, and will even push the boat out for a bit of parmesan: cost £7. Some days, you're at work so late that you might even get a luxury stonebaked pizza sent to the office, or failing that, you'll probably pick up a takeaway on the way home, because you're just going to fall asleep as soon as you've eaten: cost £15.
  • They don't live in Zone 99. The zones go 1-2-middle-of-fucking-nowhere-99-100. Yes, it's true that you can save 50p a year on rent by living in Zone 99, but it will cost you over a million pounds for a travel card that goes out that far. It would also be quicker to just get a jet or a helicopter to City Airport if you're that far out.
  • They don't all take loads of coke. Yes, it's true that there is some drug taking in the capital, but I bet there are good statistics to show that a far greater percentage of people are on drugs in the provinces, because it's so fucking dull out there.
  • They don't fret about saving 7 pence on a loaf of mouldy bread, or consider it profligate to buy popcorn at the cinema, because wages are so much higher and you'll be working too hard to do all the stuff that you have to do to entertain yourself in the provinces on your meagre wage

So, anyway, I've shown my magic formula works. I know what I need to get back into work, routine, friendships and get on an even keel financially, so that I never ever have to explain to a dimwitted out-of-towner why the cost of living initially looks quite high.

However, my sister has a shit job, got pregnant with kid they couldn't afford, went through a divorce, lives in midlands suburbia and generally acts with incredulity that I could maybe have found it a bit stressful trying to re-enter London life on a credit card, living in a hostel.

I had said that my sister & niece were the only thing keeping me alive when I was in hospital. My life is fucked, the cashflow doesn't work, I'm not very well, I still haven't got a contract and there are now further delays. I know what'll happen... I'll get a nice big money contract, but after a month I'll be bankrupt, and my money will still be 30 days away at least. If I take it all out as soon as I can, then it means I'm not maximising my dividends, and it means I have to live on 33% of my income, instead of 100%. That means the stress carries on, month after month after month. But, apparently everybody's an expert in accountancy and cashflow forecasting now.

Apparently one of my sister's friends has it so much harder than me or something. Anyway, they're dead now. I'm just being a martyr or something. According to my sister and parents it's really easy to blag your way into a mental hospital, and slicing lengthways down my forearms with a razor blade was some kind of emotional blackmail, or maybe it was melodramatic... I don't give a shit anymore.

I literally think that you are a grade-A douchecanoe if you have no idea just how hard it has been to survive in London with no parental or state support, when I was completely fucked.

A big part of me says "fuck it". I was a homeless bankrupt drug addict in a park one day, and then you expect it to be all fixed in 5 months because I managed to get a flat, and a job. Then you only choose to help me when I'm hospitalised, suicidal. And then after it's already too late you say it's blackmail.

Fuck you. Fuck you. Fuck you.

Can't be bothered.

Why bother?

You have absolutely no idea how hard it's been to work my way back from the brink and just how carefully I've had to budget, and how cleverly I've done my accounting.

I really didn't want to write another thing about my parents. They're dead to me. But to hear my sister echoing their lies is heartbreaking, and to receive a lengthy message telling me things that are just total bullshit, and saying "I'm sorry, but I don't want to be anywhere near you".

That's just fucking awful. OK, so I've poured out my anger at my parents for forcefully removing me from my own home so my ex could cheat on me, generally backing her up, and then totally fucking me over when they had their chance to make good on something helpful. It's something I have been trying forgive and forget but they're never going to re-enter my life. They have no interest in it anyway. My dad didn't even want to come in my London house and meet my London friends, despite being parked right outside.

My sister says I should ask if I need help. My parents don't do anything until it's too late: I'll either be dead or in hospital.

That's not emotional blackmail. That's getting rid of some worthless cunts from your life.

I'm absolutely heartbroken that my sister has been taken in by their bullshit. We had been talking about her visiting London and her getting a matching semicolon tattoo.

Fuck life

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One Data Point

2 min read

This is a story about extrapolation...

Correct One Data Point Trends

I just met two social workers who I had never met before, therefore they had no reference point, from which to extrapolate.

They've gone now.

I'd like to get back in contact with you, friend, soonish. I'd like to stay in regularish contact. It's important that I do. It's been too long. Also, I have too few people who I see on any kind of regular basis.

Too unwell to even know what help to ask for. How ironic.

I have started improving again, since 12:10pm.

Unless you've been nearly dead (multiple times), nearly in prison, nearly on a mental health section (multiple times), nearly bankrupt (multiple times) and nearly totally alone, it's a bit hard to imagine what all the fuss is about. Personally, I've stopped believing I exist, because it's too statistically implausible. I'm assuming I'm make-believe, like the tooth fairy or unicorns, because my reality doesn't sound very real.

I'm going to try again to sleep. I totally screwed up the whole of yesterday and last night, because of something I decided wasn't important, that later turned out to be. My hand slipped. It was a 50:50 chance, but instead of one or the other it was limbo. Slipped through the crack.

How do you morally judge an actual good act, when chance results in a bad intention? I did the bad act that I intended, fixed the original good, and now I have good intentions, all the way to hell.

It's too difficult for a non-existant person to figure out. I'm going to try and go to sleep and see if I feel more real tomorrow.

I've got a couple of people who care whether I'm still breathing, so don't worry. Would be good if you could be there for me in some small way soon though. It's a long road.

 

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10 GOTO 10

3 min read

This is a story about trying to break the loop...

Light at the End

I reprogrammed my brain. Infinite loop. Game over.

It was really hard but I mostly programmed it back. But you know why code line numbers go 10, 20, 30 etc? It's so that you can add extra lines without having to renumber your whole program: e.g. 11 GOTO 20

I took my working fixed code, and added an old buggy instruction that I used to write. It's a screwup, but I know where the bug is and how to fix it.

It's not something the hospital, or mental health services, crisis team or some specialist private care, or social services, or the police, or my GP is going to fix. There's an art installation called The Pharmacy by Damian Hirst, about our faith in medicine, at the Tate Modern. You should think about what he wanted you to think about, when he made that artwork.

Please don't think there's somebody qualified or professional out there, unless they can show you the evidence and data that proves that they and/or medications are 'curing' people of Type 2 Bipolar & any substance abuse issues they might have (Dual Diagnosis).

I managed my symptoms down to just a single suicidal episode in 5 or 6 months with zero drugs, medication, alcohol & caffeine. Also managed 5ish months work. Long hours too. Also had to move house a bunch of times, nearly go bankrupt a bunch of times, travel 3 times further than necessary, carry my life in a few bags. I would say that I'm the qualified one around here.

However, somebody has activated 'professional help' so I may be disappearing into one system or another, or one via another. The bug will still be there if I ever get out of the damn revolving doors and it's so exhausting you never have enough energy left to finish the job of rebuilding your life and getting better.

Please wish me the very best of luck in being 'assessed' and whatever is going to happen instead of me trying to fix my life and get back to normal.

I know it's well intentioned, but please re-read this whole thing again. It explains why it hurts more than it helps.

By the way: Nurses, Porters, Phlebotomists, Doctors and all the people who have to do a very difficult job under difficult circumstances. I am grateful and I do think that what you do is very important and helps enormous numbers of peoples's lives. I'm sorry for the time & effort that is about to be wasted on me.

 

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Advent Calendar (Day Eighteen)

30 min read

This is a story about running out of ideas...

Let there be light

That's a light box. It's supposed to be a way of treating Seasonal Affective Disorder (SAD). It's the final thing I thought I could try, as a natural remedy for depression. The regimen that I have followed for 6 months is:

  • Varied diet, including plenty of fruit & veg
  • Sleep hygiene: strict bedtime and getting up after 7 or 8 hours, even on weekends
  • No caffeine
  • No alcohol (actually only 3 months)
  • No medication
  • No drugs
  • No legal highs
  • Amino acids
  • Vitamins
  • Minerals
  • Exercise
  • Making new friends
  • Trying to have a stable place to live
  • Trying to have a job
  • Reconnecting with old friends
  • Getting some professional help (only had a whole week in hospital)
  • Being disciplined and self controlled
  • Wearing blue-light filtering glasses after 4pm (for the last few months)
  • Using the light box for at least an hour every morning (for the last month)

Guess what happened? My mood was able to react to things, and I reacted to my mood. There was no stability. In fact there was no coping mechanism. Everything I used to do to regulate my mood was removed, so I did other things that were detrimental to my overall wellbeing.

Being hung over or drunk at work is quite good if you hate your job and think that the management are idiots. Because I was sober, I told the HSBC management team that their project didn't stand a chance in hell of being delivered, because it was being run by people who are terrible at Agile Project Management, and seem to be completely lacking any relevant software development experience. I said I didn't want to be any part of it unless some big changes were made. I said I wasn't comfortable doing the wrong thing.

Being hopped up on coffee is good if you want to rescue a project. I recoded Barclays entire Corporate Pingit system, in 30 hours, with no sleep. I kept the existing public API, but everything else was thrown away. Instead of spaghetti code, full of copy & paste, and buggy as hell, poor error handling, poor logging - unsupportable - I just rewrote nice clean code. Lots of coffee, 30 hour hackathon, all the bugs solved, code reduced by 80%, production grade error handling and logging. The team leader felt important because the old system barely worked, so he spent a lot of time understanding the spaghetti. There wasn't really anything for either me or him to do after I wrote a decent system. My boss was happy, the team leader wasn't, I got my contract terminated, Barclays customers were happy, I was happy that I'd delivered the software that meant I no longer had any work to do.

Corporate software is boring. The projects I'm asked to do are child's play. 48 million customer's metadata? That's only 48 terabytes, if we store a megabyte per customer. A low res scan of their passport and maybe a utility bill, plus a few thousand characters for their name, address, phone number etc. etc. At JPMorgan we stored about 3 petabytes of document scans. That's about the same amount of data in the entire Library of Congress.

AI, games, simulation, data analysis, physics & cosmology modelling, codebreaking... those are the hard problems. I remember I wrote a program that calculated every single possible checkmate. Then I wrote a program that found all the moves that led to those positions. It ran out of memory before it got back to the early moves. Then I wrote a program that could take the position of the pieces on the board, and find the moves to checkmate, where there is no opportunity for your opponent to win. Most of the time the program couldn't find a path where the opponent had no chance. In theory, with enough processing power and storage space, chess could be solved by a program. However there are 10 to the power 80 (10 + 80 zeros) atoms in the universe, and there are 10 to the power 123 (10 + 123 zeros) moves in the chess game tree. We should probably concentrate on modelling the cosmos at subatomic scale before wasting our time on a silly game.

So, that's my quandary. I'm not very challenged or interested by anything in the corporate world, and my solution of just being drunk all the time can't have been doing my liver much good. However, without alcohol/benzodiazepines I think too much, and without caffeine/bupropion/stimulants, I can't get motivated to keep solving the same easy problems that don't even need solving.

In fact, when I think about it, I must have made a lot of people redundant. I've automated a lot of stuff that people used to be employed to do. I've made corporations very rich, by allowing them to lay off loads of their workforce, but increase their productivity and profitability. My main specialism is Straight Through Processing (STP). I know how to get $1.16qn processed with just a few programmers, database administrators, infrastructure engineers, network specialists and system administrators. You don't need project managers, because they just put the lies you tell them into a spreadsheet and tell everybody that everything is going really well. You don't need testers, because good programmers write good automation tests, and they don't write bugs. There's no difficult logic or calculations in a corporate system. I do get spooked out when my code works first time, but it's quicker to do it that way.

Human workflow and user experience. Here's a better use of your time and money. Fill out paper forms and then set fire to them. Nobody gives a shit about having to go through your life story just to become a customer or get a government service. If I want broadband, just send somebody to install it and set up a direct debit. If I want to rent a flat, I'm going to pay you 6 weeks deposit plus a month's rent in advance, plus letting agent fees. Just give me the keys as soon as I've put the money in your account. Don't even bother with the contract. Burn it. The contract is simple: I pay you rent, I live in the flat.

You send a person to read the electricity meter. They can take my card payment for whatever I owe when they are in my home. You send a person to read the gas meter. They can work out my bill and I'll pay it on the spot. You send armies of traffic wardens. They can spend less time hiding in bushes and more time knocking on doors taking card payments for the rubbish collection, street lighting, police, fire service, libraries, schools and other things that I quite like rather than hovering near cars whose meter payment is about to expire.

My bank sends me a letter saying that they've paid a bill for me, but I didn't have quite enough money, so they're going to charge me even more money. My bank's only function, so far as I can see, is to make my problems worse. Rather than ringing me up and saying "Hello, Mr. Grant. We can see your income has suddenly stopped. We're not going to charge you any interest until you start earning again, because otherwise we are going to stress you out and make you bankrupt, and then we won't get our money back"

You see, everything trundles along fine when you play along with the game. Keep working doing that job you hate, at a company run by imbeciles, on a project that just needs 5 decent full stack developers to get on with what they do best, for 2 weeks, with no project managers who couldn't organise a piss up in a bar, and no 'architects' who just draw on whiteboards and produce documents that nobody reads, because they were rubbish at actually producing real working software.

The worst code I ever wrote was my first iPhone game. Games are awful as a single indie dev. You have to do all the graphics, sound effects, music, plus design the user interface, and then there's the game itself which has to run at at least 30 frames per second. The calculations are hard. Doing it in Objective-C was a nightmare. I've never know a language with such whacky syntax. I can probably write code in about 20 languages (BASIC, Pascal, Assembler, C, ADA, C++, Java, Javascript, C-shell, Korn-shell, Bash, Perl, PHP, C#, SQL, AWK, Batch, Google Apps Script, Logo, VBA, XSLT) and there's a bunch more I know enough of the syntax of to read and edit.

I can glance at some data and tell you if it's XML, JSON, Base-64, HEX, key-value pairs, fixed position, CSV. I can probably guess how the programmers of your favourite game store the high score table, and insert myself as the number one player with an unassailable score.

Yes, playing the games that everybody else does, competing... it seems a bit pointless when you know the game is rigged, and if I really wanted to, I could tweak my bank balance. Fraud is not hard, and banks make so much money they don't even go after the small fraudsters. It's easier to charge honest hard working people exorbitant rates of interest and fees rather than doing their actual legal & moral duty to Know Your Customer (KYC). I could buy a digital identity for about $100, open a bank account, get some loans, use the money to buy a real passport from a European country that's a bit more relaxed about staff members making identity documents in return for a cash bonus.

Once you're in Europe you can just keep heading east until you find a country where people don't read too many newspapers and watch too much TV. You can find somewhere you can afford to eat and sleep for a couple of years, while you wait out the storm. You can take some time out from the rat race, because you deserve it.

My iPhone app business was a hit, my first IT contracting company made loads of money, my electrician business was profitable, but the building trade is hard, my enterprise mobile apps business was too ahead of its time and never made much money, my Bitcoin trading and mining was hugely profitable, my second IT contracting company made loads of money. I don't really want to sell out and get another contract just yet. I've got some cool software ideas.  Instead of doing what I normally do and start with a profitable business model, I want to do something I'm passionate about.

I don't work at MIT or Stanford. I don't work at CERN or the UK Atomic Energy Authority, but I can tell you that the strong nuclear force is the energy that's released when a heavy element is split into two lighter elements. But what does "heavy" even mean when we haven't managed to get the Standard Model of Particle Physics to be unified with Special and General Relativity. Special Relativity tells us that energy and mass are two sides of the same coin, and General Relativity tells us how mass stretches the fabric of spacetime. Gravitational lensing has proven the theories predictions. The Standard Model had it's wartime and industrial applications. The transistor radio and faster computers. Every experiment discovers new weirdness though, rather than proving the model is complete. The particle zoo grows and grows, every time we smash protons together at higher and higher energies.

What does Quanta mean? It means "how much". A photon - a packet of light - comes in a specific frequency, which tells you how much energy it has. Let's imagine that a red photon is 2, green is 4 and blue is 6. We can also imagine that an X-ray might be 20 and a gamma ray 50. Do you notice that all the numbers are even? That's because you can't see anything odd numbered. A photon with the wrong energy won't interact with an atom that needs a higher energy to absorb it, and then emit a new photon. The only way you know anything exists is because of the photons that are emitted from atoms.

So we can only work with things we can see, and those things will only tell us about the photons that have the right energy. We can build a machine that measures microwaves, but what material should we use to listen to the frequencies that no known material interacts with. How would we even find elements that our eyes and our radios and our photographic chemicals can't detect?

Well, cosmologists reckon there's loads of it, whatever it is. They call it Dark Matter and Dark Energy. Nobody can see it, but they've done the math, and there just isn't enough visible matter to glue the galaxies together. Imagine if Dark Photons came in frequency 1, 3, 5, 7 etc. but our visible universe is governed by the Planck Constant, which means multiples of 2, in this  simplified example. If you can only see 2, 4, 6, 8, 10 etc. then you can't see the Dark Photons and the Dark Matter that can only be seen with the materials that we only hypothesise to exist.

General Relativity is normally right, and GR isn't fussy about the matter that it accelerates. It doesn't deal in packets of energy. GR doesn't do probabilities. Quantum Mechanics says that if we stop observing something it loses certainty and spreads out into a probability cloud. If you know the location of something, you can't know it's momentum. If you know something's momentum, you don't know where it's located. It's like saying that if everybody stops looking at the moon, it won't be where you predicted it to be when you look back. But GR doesn't care about that. GR has predicted the moon's orbit with incredible accuracy, and the moon always obeys the law of gravity.

If you ignore gravity in your subatomic world, you permit matter to behave unpredictably. If you ignore special relativity, you permit massive particles to fly around faster than the speed of light, in order to uphold the uncertainty principle.

If we think about the duality of light. Both a particle and a wave. We think of photons as massless, but they have energy and finite speed so General Relativity applies. The speed of light is too fast to get caught in orbit but light will bend around massive objects. Let's use the Pilot Wave Theory instead of all that Quantum weirdness. Imagine our photon being carried along by the gravitational waves that it's making. Gravity waves can travel as fast as they like and can even escape black holes. You can't detect them, because your ruler will stretch and compress as a wave passes. You can't take a timing of how long it takes for something to travel from A to B because time and space are different for different observers. Just by carrying my atomic clock to my fellow experimenter, to compare the time I measured and the time they measured, my clock will run slower because I'm moving in space. Time is not distance divided by speed.

Time measures how much slower you're moving than the speed of light. If you could travel at the speed of light, and tried to shine a torch forwards, no light would come out and your watch would be stopped. You wouldn't even be conscious, because you'd be frozen in time. If you slowed down to 99% of the speed of light and shone your torch, you'd see it beaming off just as fast as normal. That's because time is passing more slowly, so you don't notice that your light is moving at 1% of its normal speed. When you get back home, you'll probably find that everybody is dead, because time didn't slow down for them. Your clock is right, but so is theirs.

So what's going on at the subatomic scale then? Well, you can't really detect a single particle. When a photon hits the Charged Couple Device in your digital camera, it's absorbed. Enough photons have to be absorbed to trigger the discharge of a capacitor. Only the amplified signal is strong enough to be measured. The thing about amplification is that you get noise. You're trying to measure a signal, but a percentage of what you measure is noise. That's the signal to noise ratio. It gets worse. Because instruments are digital, they have limited precision. If you measure colour with 8 bits, you can only pick the closest of 256 colours. A CD can only store 16 bits of air pressure: 65,535 possible values. It does this 44,100 times a second. Pretty good, but only an approximation.

Because all digital equipment depends on an effect called Quantum Tunnelling, it's hard to know if the Quantum phenomena are being observed, or whether it's the instrument's noise that is being amplified. Early computers sent signals in parallel, but sometimes the data got 'skewed', with some bits arriving later than others. Now data is sent in serial, with very fast modulators and demodulators, but that means that a lot of buffering has to occur. If you imagine the time it takes for a detected signal to be amplified, that amplified value to be measured, the value stored in a buffer, a modulator to turn the value into electrical pulses, the time to travel down the wire, a demodulator to measure the pulses and store a value in another buffer, a memory controller to load that value into the computer processor's register, the processing instruction has to be loaded from the cache, and then the calculation is performed, the result is copied from the result register to memory, the I/O controller sends the result to the storage device.

Then, ages and ages and ages later, a scientist comes and looks at the values. According to Quantum Physics, every piece of measuring equipment, power source, data transmission cable, the computer and it's storage device, are all part of a quantum superposition, and the value is not determined until the scientist observes it, at which point the wavefunction collapses. Computers are great at doing calculations and for sharing research, but by their very nature as machines that exploit strange subatomic behaviour - semiconductors - they are also not very reliable when measuring the very properties of physics that they themself are built on.

It's useful to think of the Pilot Wave theory, because it explains observations like the double-slit experiment, in a nice deterministic way. Photons don't travel through both slits, but the wave does, and then the two waves interfere. Interference disappears as soon as you polarise the particle, because the peaks and troughs are no longer in phase. We really don't need to mess around with probability waves.

Yes I really hate probabilistic theories. Because subatomic things are smaller than the wavelength of light, we can only make statistical measurements. The size of the atomic nucleus was estimated by hammering a sheet of gold really thin and then firing electrons at it. Based on the number of electrons that bounced back and got detected, an estimate was made of how much empty space there is in an atom. However, you might know the weight of the gold, and the surface area, but you don't know how thick it is. It might be 5 atoms thick, it might be 50. Where did you get your measurement for the weight of a gold atom? How you know its density? How do you know how tightly packed the atoms are together?

At some point you're going to have to rely on some old science. The periodic table gives us the atomic weight, based on a presumed number of protons, neutrons and electrons. But what about the strong nuclear force that's holding the nucleus together? What about the energy of the electrons in the biggest orbits? Does a 1g diamond have as many atoms as 1g of Carbon dust? Prove it.

So we know that heavier elements are unstable, radioactive, and decay into lighter elements. We know what amount of what element, in a certain isotope, will give a self-sustaining fission reaction. We guess that fusion in stars creates all the elements up to iron, and all the elements after that we guess are created in supernovae. We haven't done much apart from a bunch of chemical reactions and some atom smashing yet though. We've done pretty well with electromagnetism and radio waves. Semiconductors and transistors are completely ubiquitous. It's all useless junk if the Van Allen belt blows away in a coronal mass ejection and we're all bombarded by cosmic rays and the radio waves are filled with static noise.

I can tell you something that's fairly easy to observe. Hotter air takes up more volume than colder air. Also, there's an altitude where Earth's gravity can no longer hang onto its Nitrogen, Oxygen, CO2 and noble gasses. Also, if you suck up dense polycarbons from deep underground, where they have been heavily compressed, and then set fire to them, the result is less Oxygen, more heat, and the expansion of liquid into a big volume of gas that's heavy, so it lies close to the ground, while the useful Oxygen is pushed into the upper atmosphere, where it thins out and drifts off into space.

If you have more CO2, you should plant more trees. However, we're doing the opposite. Deserts are spreading, rainforest is being cut down and fire sweeps through vegetation in California, Australia and Borneo.

So many people work in banking, insurance, accountancy, financial services, paper pushing jobs of such woeful uselessness that probably the bulk of humanity's job description is: sit at desk in front of computer, wear telephone headset, read the script on the screen to people on the phone and type their answers on the keyboard, drink tea & coffee, go home.

Why can't I do something to help feed some people, spread the wealth, speed up the conversion to clean energy, get more computers doing more useful calculations and modelling, rather than just massaging sales figures and marketing crap that nobody needs?

I'm going to risk running out of money for another few weeks at least, and that means I definitely will run out of money, because it's usually 60 days until I get paid. For the amount of money I'd get selling my depreciating electronics, and the time and hassle involved, I might as well get a job stacking shelves in a supermarket.

I'm just going to do the type of work that I'm passionate about and good at for a few weeks. I know HSBC are going to need a Customer Due Diligence system before February. I like my ex-colleagues, but my god nobody had the balls to just bin the junk and start again. It doesn't scale, it's not maintainable, it's so hard to roll out in-country, the pilot was a disaster, all the good people are leaving, and 85% of the work still has to be done.

I remember getting really angry at an all-day meeting with about 40 people. I didn't know at the time, but the CIO was there, and head honchos from Retail Bank & Wealth Management and Corporate Banking, plus the best in the software business trying to save Europe's biggest bank, on their number one project, money no object. It maddened me that we spent 2 and a half days estimating how much work there was to do in 3 weeks, but nobody knew what our productivity was. Nobody knew what the backlog was. Nobody knew what Minimum Viable Product was. Nobody was bothered about Continuous Deployment. Nobody had thought about the godforsaken task of pumping thousands of questions and rules and logic into a spreadsheet that you needed to know 3 programming languages to even make a stab in the dark.

I said I'd do half the questions on my own. I then had to spend an absolute age reprogramming the core system so that it would spit out meaningful syntax errors. There were about 500 things wrong before I even started. Then the architect admitted that he hadn't even thought about some fairly fundamental things and his solution took days to get right, while my suggestion was roundly ignored. Then the data architect started changing everything, even though it was tightly coupled throughout the entire system. I had to give loads of people lessons on Git and Maven artefact versioning. It was madness, and I had to call time out: I asked for a code freeze while we got everything stable. To everyone's credit, they listened to me, trusted me and supported me. I think it was only 5 straight days of midnight finishes. The work wasn't hard, but there were major bugs in every single component of the system. The pressure of knowing that hundreds of people are effectively twiddling their thumbs, and if you don't get it all working, you've damaged a huge amount of productivity.

A little cheer went up when everything integrated and the screens went green for the first time in weeks. It was also just in time for the CIO to announce that we'd achieved a significant milestone at the Town Hall. It was false optimism though. I had unearthed an absolute mountain of buggy code and dodgy config. My worst fears about performance were confirmed too. It took 5 minutes for the homepage to load.

I found a Scrum Master I liked and gave him a list of names that I wanted to work on a new version of the application. We picked good tech, designed a simple system and had something to demo in a week. They sacked my scrum master, me, and the longest serving member of the development team. People were getting jumpy and we were making management look pretty incompetent. I was also leaving a paper trail that was inconvenient. I was quite explicit about the urgency of the situation and what the simple remedies were. I didn't sugar coat it, because I'd been giving the same advice for 5 months.

I had plenty of warnings to keep my head down, and toe the line. I knew my days were numbered, and when I found out my old scrum master wanted me back because everything was tanking, I fired my parting shot. I knew I'd get terminated. Quicker than having to work a notice period. No need to lie about your reasons for leaving. No 4 weeks of hell working for a micromanaging idiot.

There's no challenge for me in corporate software. I ran the IT for a nice medium sized company. The board asked me for a data warehouse and a new phone system. Instead I gave them a new card payments processing system and an accurate set of accounts, with the correct ledger for all their customers. It's the only reason why the Office of Fair Trading didn't shut them down when they sent their forensic accountants to see why the books didn't really balance. Oh, and they were in breach of card data protection and were going to have a data theft until I tokenised all the card numbers. I had such a hard time in convincing the CEO of the right technology strategy that when he said "fit in or fuck off" I was more than happy to leave that rudderless captain.

When JPMorgan needed somebody to figure out why their FX system was running like a dog and they were going to cause a market liquidity disaster on International Money Markets Day, they'd had 10 Oracle consultants and none of them could find anything wrong. I found a DBA I liked in London, who didn't even work in my department, and we went through everything with a fine tooth comb. I also harassed the sysadmins until they got my disk I/O up to scratch and tweaked every kernel configuration value, applied every patch and generally wrung every bit of speed we could muster out of the hardware. I then had to take the vendor's code to bits and tell them where they had multithreading issues. They didn't believe me, but I kept sending them the measurements I'd made and pretty graphs, until they put a dev on the phone to me, and we talked through the code, and found a bug. Then the marvellous DBA found the setting that was causing the latency. With the new code and the much faster database, I could hardly believe the timings from the performance tests. When IMM day came, we blitzed it. We absolutely wiped the floor. Fastest FX platform in the world. There wasn't much appetite for developing our own in-house system anymore, I really didn't want to sit around looking busy. I liked my friends and the culture, but I still need interesting work.

And that's how it goes. Hire me to fix your technology problems, and I will, but then I'll want to leave if new challenges don't come along. I hate just keeping a seat warm. I guess that's Bipolar. I work like a son of a bitch for 3 or 4 months, then I'm really struggling to stay motivated for another month or two, and then I'll just stop coming to work.

I could try and pace myself, but invariably I find myself drawn to the impossible challenges. Normally you hire somebody who turns out to be rubbish, but refuses to leave. They literally stick to their chair like glue, because their main motivation is job security, not being good at their job. When you hire somebody who's really good, you can't let them know what a hideous stinking mess everything is in, and that they're going to be under relentless pressure to do horrible work. People who are really good will just go and find somewhere better to work.

I'm an idiot. I want to finish the job I've started and leave feeling proud of delivering stuff. I never ask for the poor performers to be fired. Most of the time I'm able to calmly filter out the new guy I'm training, when they're trying to impress me, but they don't know what they're talking about, and I've got an absolute bitch of a schedule to keep. I had to keep just saying "no" when 3 people were shadowing me, and they were all saying you forgot this or that, or you did that wrong... then I press a button and it all works first time and I can start to be more amenable again.

I'm absolutely not perfect. The first implementation is normally a dog. An ugly dog. But it works, and then the pressure is off so I can refactor for elegance. It's a bit of a thankless task though. When you start refactoring you then start looking at other code, and you end up having to change more and more and more and all the tests break because everything is so fragile, and then people start complaining that they can't find their bit of code anymore, and they have to merge their bit of work into an unrecognisable new world, because people don't pull, commit and push often enough.

I don't even write much code. Ask me for a bit of code that does something, and I'll give you a little bundle that you can plug in wherever you want it. When everybody is developing features but the application doesn't work, I'll concentrate on bug fixing and stabilising the build. When everybody is trampling on each other's toes, I'll concentrate on release management and versioning. When an important demo is coming up but people are committing code that doesn't work, I'll roll it back and tell them to put it on a branch until it integrates. When code starts getting promoted from DEV, to UAT, QA and PROD, somebody has to make sure the database is created with the latest schema, test data is loaded, Business Process Management tasks are cleared down, and all the little microservices are up to the right versions. That can take 3 hours on a bad day.

Software is not hard. Managing a huge team is hard. I haven't had a management role since 2013. However, I know that every untalented email forwarder who thinks they can manage a big project says "features, features, features, we're late, features, features, oh my god we are so late, let's just get it working, get it working, oh my god so many bugs, performance is terrible, let's try and go live anyway, oh my god it's hard doing a production rollout, and the users hate it even more than the testers, what do we do? what do we do? everybody panic, work 25 hours a day 8 days a week, 366 days a year, what do you mean we don't have any metrics? what do you mean we don't have any reporting? what do you mean it's not multilingual? why are all the good people leaving? why do things seem to get done a lot slower now we're supporting 3 or 4 more environments, instead of just one? who could have predicted such a thing? why didn't any highly paid consultants tell me? oh, they did? get me the mail server administrator immediately, there's some junk mail I don't seem to be able to delete permanently. Just get it done before the regulators come asking why we've failed to meet our timetable commitment".

And that's why I hate corporate bullshit.

It's the engineer's curse: we want to just solve problems, to make stuff that works, to make things better. I don't care that it hurts your feelings when I say your idea's rubbish. Your job is to listen to the experts, motivate people and sign the paychecks. My job is to come up with the ideas and make them a reality for you.

I don't really think I'm cut out for having a boss. I don't really think I'm employable anymore. I just completely ignore all the management, then they love me, then I tell them I'm not doing it again unless things change, then they hate me, then I get fired, then they get fired.

I probably need to figure out a way to get paid for more than 5 or 6 months of shouting and swearing at everybody and just doing whatever the hell I want. But it's so soul destroying to go to work and think that you made absolutely no difference. In fact you were complicit. Your day rate bought your silence. You were more worried about losing the stream of big invoices than your ethics. You put financial benefit ahead of professional, moral and legal obligations.

A bunch of white collars have got to get prosecuted soon.

Bankers have had their hand in the till for far too long.

 

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Due Diligence

5 min read

This is a story about social engineering...

Bus Stop Club

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.

Nick in Blue

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.

Nice View

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.

Jungle Kitty

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

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Stress Test

5 min read

This is a story about reaching the limits...

Looks Closed to Me

We are about to enter a consumer debt crisis. Credit Crunch 2.0. How do I know this? Well, I don't see any joined-up-thinking in retail banking, but I do see all the signs of a bubble about to burst.

In Germany, there is a central system that tracks what money is owed between every company. When you raise an invoice, you enter it in the system, and that way, you can see who owes who, and how much. You can do something called netting where all the balances are totalled up and you can then see exactly who's in debt and who's in credit.

The Germans have got that spot on. We need to know where the bad debt is, so we can contain toxic companies that are trading recklessly.

We don't have anything similar for consumer debt.

The credit-scoring system is only useful when people are applying for more debt. When they get into a debt crisis, they only show up when they start defaulting on their loan repayments, get to the limit of their overdraft, can't make their credit card minimum payments, default on their mortgage etc. etc.

I worked in Debt Management in 2012 and I listened to many phonecalls with ordinary individuals who didn't do anything reckless, but got caught in a debt trap. They were encouraged by consumer lenders to take out more loans to cover the last loans, and then payday loans to cover the interest, and before you knew it BOOM they were as good as bankrupt.

Personally, I hadn't been in debt since the age of 19 or so. This is unusual. I paid the deposit on my house. I paid for my wedding. I paid for my cars. I paid for our holidays... all with cash I had personally saved. The only way that was possible for me to do this was with way above-average earnings. This would have been impossible for anybody who was earning average wages.

I didn't really know what it was like for an ordinary person, living on an ordinary wage, in an ordinary way.

There was a huge amount of interest in my Debt Management startup, when I tried to found it in 2013. People still email me about it today. People still remember. I only worked on it for a short amount of time before I was consumed by my own ordinary life event - a divorce - which tore my stable world apart.

I wanted to let out our house, so that we had steady rental income, and I was able to defer the stress of financially settling the divorce until I had re-established myself back in London. I begged my wife to allow me to secure my life before she rained fire and brimstone on my head. She undermined everything I tried to do to protect myself.

Lounge

Dining Room

Master Bedroom

Garden

Guest Bedroom

Bathroom

Office

Kitchen

By the time 2014 started, I had managed to keep my finances ticking over with Bitcoin trading, but she had wrecked me. When the house sale money eventually came in, I was in no fit state to work. She had destroyed me. I could have sold the house in 6 weeks. She managed to drag it out to 6 months. It was fine for her, she was staying in Bournemouth and she had a job. I had to rebuild my entire life.

I had a huge cash pile, but I had been stress tested to the limit and beyond. I couldn't work. I had to go to hospital. I was a wreck.

So, I ended up spiralling downwards. I didn't borrow money, but you sure rip through it if you're unwell, living in London and trying to support yourself getting better. Especially if you can't afford to sit and wait for state support. It was a Catch 22. London is where friends and my work network are, but it's certainly not easy to get any help from over-stretched boroughs. I had to turn to the private sector. That cost me a lot of cash.

So, I don't really qualify for state support... that's right. Why should I take something which I could afford to pay for privately? Only I couldn't really afford it... I got well, but then I had no personal safety net any more.

I spent all my money keeping myself alive. I had yet to thrive. 

Other people are very good at spending my money. My ex totally forgot that I paid for everything. She felt entitled. My ex flatmate, John, went overbudget on a flat that he didn't pay a penny towards, and even took some of my furniture with him when he left. He felt entitled.

Why do people feel entitled to come and pick my pocket? I've got nothing left.

The banks have done very well out of me and I've defended them. I've not claimed my PPI that I'm entitled to. I've not frozen the interest on my loans and had unfair credit charges refunded to me. I could - in fact - just throw down my tools, and say sod this for a game of soldiers. I'm trying to prevent a domino-effect of systemic failure in the banking system, which would see bank runs and total carnage as the whole system deleverages in an extremely inelegant way.

I'm trying to help my masters avoid such a crisis, but I feel like ground zero at the moment.

I need to go to work tomorrow, but I can't. I'm not well. I have been stress tested to the limit, and it's broken me.

Cat in Bed

Poor Frankie lost his home, which was his castle. Look how relaxed and happy he was there in his lovely big bed (June 2008)

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