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All Your Problems are Caused by Cashflow

5 min read

This is a story about borrowing...

Sunset

Let us imagine, for a moment, that you decide - hypothetically - to operate your life in the same way that a corporation operates. Let's examine all the tricks you could use if you were a miniature corporation, instead of a human.

Firstly, you can take our life insurance, just like an ordinary person can. In the corporate world it isn't called life insurance, but it's the same thing. Just like life insurance, it gets paid in the event of death. In the corporate world, that 'death' can be considered debt default; bankruptcy: when a company can no longer pay back its debts - in default - it's bankrupt, or in other words 'dead'. Likewise an individual will be hounded by debt collectors until their death.

Regular insurance doesn't allow you to insure the same risk more than once, otherwise we'd all just buy a million insurance policies for our mobile phone, and then flush it down the toilet or otherwise deliberately smash it to pieces, then we could claim a million times, and get a million cheques from the insurance companies: instant millionaire!

You would assume that it would be illegal to insure the risk of a company defaulting on its debts more than once, but no such law exists. So, the first thing you should do as a miniature corporation is start borrowing money. Then, you should buy a million insurance policies. Then, all you have to do is stop paying back the debt, and when the company is declared in default of its debt obligations, and therefore bankrupt, you can claim your millions from those insurance policies.

That's just one example.

"Where will I get the money for all those insurance policies?" you might ask. Well, as a corporation, that's really easy: you can borrow it.

The bigger you are as a corporation, the more you can borrow, but even a miniature corporation is governed by the same rules. You only need to borrow £10,000 if the insurance policies cost £100 each. Then, when you stop paying your debt, you will be able to claim £10,000 insurance money 1,000 times.

That's how credit default swaps work.

Want another example?

Let us imagine that you want to make your publicly traded company into one of the most valuable companies in the FTSE-100 - the top hundred most valuable companies traded on the London Stock Exchange - then the process is very simple. Firstly, you find a company on the London Stock Exchange which is virtually worthless, but not bankrupt. Then, you borrow money to buy that company, which will be sold to you very cheaply, because its valuation is so worthless. Next, you borrow even more money, which you use to artificially inflate your turnover: you can use a second company which does something like unscrewing the nuts off bolts, as your main commercial trading partner. The company which has screwed the nuts off the bolts can then purchase a service from your public company, to screw the nuts back onto the bolts. Obviously, the cost of each process charged to each other is the same. Then, to make things more efficient, no nuts or bolts are actually shipped between either company, but the two companies continue to do the transactions electronically: one for 'unscrewing digital nuts off digital bolts' and the other for 'screwing digital nuts onto digital bolts'. This process can continue, thousands of times a day, costing hundreds of millions of pounds per day to each company, but each company is receiving an equal amount of payment for its services.

Now that we have a publicly trading company, which is doing billions of pounds of turnover every year, it can then ask investors for money, to fund its expansion plans. Because the billions of dollars of turnover are very impressive, investors will flock to the opportunity: clearly a company with such high turnover must be very valuable.

The injection of capital into the public company allows it to acquire other public companies, and in so doing, its valuation increases. The process need only repeat, until the company is valuable enough (has a high enough market capitalisation) to enter the FTSE-250 (the top 250 most valuable companies traded on the London Stock Exchange).

At the point that the public company is listed on the FTSE-250, pension funds are mandated to purchase a substantial stake in it. The mandatory purchase naturally inflates the valuation of the company. Using that windfall, more acquisitions can be made, in order to purchase other FTSE-250 companies. Eventually, the company's valuation is enough to rank it in the top one hundred most valuable companies traded on the London Stock Exchange, and pension funds will have to buy even more of it's stock. It's not optional that the pension funds will buy vast amounts of the company... they are duty bound to buy shares in the company, simply because it is in the FTSE-100.

Then, once you have become a FTSE-100 traded company, you will be able to borrow insanely huge amounts of money - tens of billions of pounds - in order to use for the important business of "digital nut and bolt screwing/unscrewing" and for the acquisition of other companies.

Finally, throughout all of this, you will have been able to pay yourself, as the CEO and founder of a FTSE-100 company, many millions of pounds in salary, and many hundreds of millions in valuable shares, plus give yourself a hefty golden parachute and enormous salary, before you leave.

If you thought that your money problems were caused by your own inability to do simple arithmetic: subtracting your household expenses from your wage income, then you were mistaken: you were simply not thinking and acting like a corporation.

 

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Everybody Wants to Die Rich

5 min read

This is a story about retirement...

Opera house

It's unusual that nobody sets out to be impoverished in old age - quite the opposite - but most people will end up poor during the twilight years of their life. It is unusual that so much money is pumped into pension funds, but so few enjoy a wealthy retirement.

I suppose, for people who work but don't earn much, there's an ever-decreasing opportunity to build up any kind of pension pot. Since the demise of both final-salary pensions, and social housing, the difficulty of balancing the immediate needs of food, housing, clothing and other essentials, far outweighs the impending old-age poverty. Although the home-ownership fetish appears to lead to some security, in fact the cost of council tax, energy bills and food, is still substantial enough to erode anybody's meagre pension income, even without the cost of a mortgage. Old-age poverty is inevitable.

Given that we are all aiming for the same thing, in theory, it's remarkable that most of us fail to achieve it.

I suppose some will say that they love their work, and they're happy to accept that they're underpaid, because they are happy with their career. I suppose some will say that friends and family are their wealth, and haven't paid much attention to the trivial financial nonsense. In fact, they all care about what happens to them in old age, it's just that they assume - wrongly - that things will work out OK. Things will not work out OK.

Pensions are, unfortunately, a Ponzi scheme. All public companies function on the basis that very large pension funds will automatically have to buy their shares, once they reach a certain market capitalisation (i.e. valuation). Many private companies, angel investors, venture capitalists, private equity fund managers, entrepreneurs, investment banks, and whole swathes of other ancillary leeches, function on the assumption that there is a virtually unlimited supply of new suckers, prepared to pump a substantial portion of their wages, into the Ponzi scheme, allowing others to siphon it all off. There are more people withdrawing obscene amounts of unearned money, than there are honest hard-workers injecting new money into the system, and as such, failure is inevitable.

I find it very unusual that many people feel wedded to a particular corporation, which evidently pays them very little versus the market value of their labour, which can be worked out by the profit generated for the company. The argument is often that it's a "safe" job, that redundancy money provides "financial security" and that they're somehow locked into a pension scheme, which is expected to provide a "generous" retirement.

No.

Everybody wants to retire well-off, but unfortunately, demographics and the refusal by the generation who most recently retired, and are in the process of retiring, has brought the whole Ponzi scheme crashing down.

Not everyone can retire on a final salary pension. In fact, already, far too many have been allowed to retire on a final salary pension. The huge burden placed upon the few at the bottom, by the massive number of grotesque fat greedy pigs at the top, creates an inverted pyramid which must, inevitably, topple over.

Yes, it's all well and good having a lot of industrial action to demand the impossible. Useless do-nothing people in do-nothing jobs went on strike, threatening to do nothing and harm nothing... then when they finally pissed off and made some space for others to get promoted and start earning a decent wage, there are now too few of the decent salary earners to pay for the disgustingly high final-salary pensions which were unearned by the lazy fucks who expect to spend a far greater proportion of their natural lives than any generation in human history, riding on the backs of the overworked and underpaid working class.

Yes. My granny and granddad spent approximately 15 to 20% of their lifetime in retirement, which was pretty good going. Now that has doubled. To expect to spend 35 to 45% of your life, with good health, living by picking the pocket of your sons, daughters, grandchildren and great-grandchildren, is criminal.

The generation who just retired and is in the process of retiring, will die rich, up to a point. Inflation eroded their debts and gifted them vast property wealth, without having to do a single day of labour. They will, of course, have to relinquish a small amount of that wealth when they eventually need to go into a nursing home, but because of good diet and medicine, they will enjoy the health of a 40 or 50 year old from their parents' generation... for many decades.

Meanwhile, the generation who are working now, today, will have no opportunity to retire rich, unless they are in the top 2 or 3% of earners; born into a wealthy family. For 97% of the country, nothing awaits in old age except for cold and hunger.

It is highly unusual that, despite all the furious energy expended, scurrying around busy as hell, so few people have managed to comprehend the fact that their effort is futile: they're going to die poor, and their children are already poor; their grandchildren are just utterly fucked. Take a look around: there's nothing for them... no jobs, and no comfortable retirement at the end of it. It's all fucked.

I'm afraid neither compound interest, financial planning, nor hard work is going to make the blindest bit of difference: the numbers are too stacked against you; Ponzi schemes always fail eventually.

 

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Manic Rant

4 min read

This is a story about image...

Ferret

I have completely forgotten that people perceive and judge me, often by the public persona which I present. I have completely forgotten that people read what I write, who are my friends and work colleagues. I have completely forgotten to present a mask; a fake artificial image of how I want to be perceived, through an entirely fabricated story, which never really happened.

Without alcohol as a crutch, I am almost entirely reliant on a daily dose of writing, as catharsis for the overwhelming thoughts and feelings, which have no other outlet.

I sit down in front of the blank page every day, and I write as if nobody is reading, but it's not true: there are people reading.

My brain has been impaired, more than usual, because of extremely low blood sugar. I've consumed an average of fewer than 300 calories, on average, during the past 4 days, which is a ridiculously low amount. Of course, I've successfully managed to drop a kilo of weight (2.2 pounds) in under a week, but I've put my already fragile mental health under extreme duress.

Thinking about what I've written from the perspective of a hypothetical person who I want to like and respect me, it seems as though my words have been regrettable. I've launched into various tirades against the whole of humanity. I've ripped ordinary folks to pieces, with long grandiose delusional rants, written in a state of temporary mania.

In fact, my mania is not-so-temporary. It seems as if my mania can last months, if not years. I suppose the kind of mania which more traditionally manifests itself - spending money, taking risks, being sexually promiscuous, gambling, drinking, taking drugs, having grandiose delusions - is pretty clearly not present, but I know that I'm quite cunning at hiding my 'true' mood. Of course, there's no hiding how I really feel, because it's all documented here, but that's by design. On average, most of my work colleagues won't be reading this, so on average, most of my work colleagues won't know how utterly insane I am; how mentally ill I am.

I've thrown caution to the wind, somewhat, and started writing whatever the hell I want, without thinking about the consequences, insofar as my professional image and reputation. I don't think it's deliberately self-sabotaging behaviour, but I certainly don't feel like I'm desperately clinging to my source of income, terrified of getting booted out of my client's organisation because of my madness... which is a big change from the preceding couple of years.

Of course, I've not yet earned enough money to retire, so any loss of income would be pretty catastrophic. There's no good reason for me to burn and bridges, and in fact there are many good reasons to preserve whatever reputation I have painstakingly built. However, I'm also really tired and in desperate need of a holiday.

I've lost all control over what comes out of my mouth, and what gets written down on this page, at least in terms of a well thought-through plan, or in terms of some in-depth thought into the possible consequences. My mouth has already run at a million miles an hour, and whatever stupid stuff I was thinking has already been heard or read, long before I've had a chance to consider the implications and regret it.

I would quite like to repair my image, and to even possibly enter a new era, where I'm perceived positively; where people once again think of me as a reliable, dependable, likeable, useful sort of person, instead of a maniac who has to be tolerated, begrudgingly, until the earliest opportunity to boot me out.

It doesn't feel, day to day, as if I'm skating on such thin ice, versus the conflict I was going through before, and the regrettable way that I was acting, but my perceptions are exceedingly wonky: I am no doubt spewing a near-continuous stream of reputation-damaging, insulting, aggravating and otherwise regrettable things, which are rapidly destroying any goodwill which I had accidentally accumulated.

There are so few working days now, for me to limp through, before I take a long-overdue holiday, but that's no reason to think that I can't totally screw everything up.

 

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Winter is a Nightmare

4 min read

This is a story about the worst of all worlds...

Snow

I was already depressed and anxious before the winter started, but now I'm really depressed. I get seasonal depression very badly every winter, but this winter seems worse than ever.

The most dreadful combination of factors, includes the exacerbated isolation of not having any local friends or family, magnified by the pandemic lockdowns, being single, not drinking, unmedicated, on a diet, tired, hungry and generally pretty pissed off with life, having worked 16 months back-to-back without a holiday; only a single day off, except for the very occasional bank holiday and a period where I was hospitalised with multiple organ failure, which doesn't really count.

Poor me. Poor me etc etc.

Yep, this is self-pitying stuff, but I don't care: I'm miserable and this is the only coping mechanism I've got.

In an attempt to count my blessings, I guess I've only gotta work for three more weeks before attempting to take a long-overdue holiday. My finances are heading in the right direction. My weight is headed in the right direction. My fitness is headed in the right direction. The project, which has been my all-consuming passion for the best part of a couple of years, is at least not in terrible shape, which is something of a minor miracle. I don't have to waste my life commuting, which is good. I don't dread my alarm clock going off or struggle to get up in the morning, which is definitely a miracle.

My mental health is definitely in tatters, as I swing from suicidal depression to manic ranting, but the rigid structure and routine I've installed in my life, is holding me steady. It beggars belief that I have managed to save as much money as I have, work as much as I have, and produce as much as I have, while undergoing a near-continuous mental health crisis, which very nearly killed me less than a year ago... even getting hospitalised with multiple organ failure didn't much disrupt my stride.

I know that winter is a dangerous time - a threat to my life - and I had successfully employed some great techniques to cope: namely, getting the hell out of this miserable country and going somewhere hot, as much as possible during the winter. Of course, as soon as I found myself trapped here last winter, it was curtains. We will see what happens this year, but there's a glimmer of home that I might escape both the terrible winter weather, and the threat to my life which implicitly comes with being in the UK during the winter.

The period when I had the most face-to-face contact with other humans, was during the height of the pandemic, when we stood on our doorstep and clapped for the NHS. I was getting a daily dose of talking to other humans, in-person. Now, I spend the long winter evenings and the miserable weekends totally alone.

Of course, almost everything which I hate about my life, appears to be a choice: I'm choosing to not drink any alcohol, I'm choosing to diet, I'm choosing to be single, I'm choosing to be unmedicated. All of these choices are good for me though, so it's not really a choice, but a necessity. I know that in the long run I will have substantially improved my bank balance, flattened my tummy, and maintained my sanity, none of which would be possible without short-term sacrifice.

I'm sitting here with my stomach gurgling angrily. I over-indulged with food at the weekend, although I was still well below my calorie requirements and as such, still dieting. However, my weight loss is not progressing as quickly as I want it to, so I'm fasting for 40+ consecutive hours. The hunger is made all the worse, by all the other things I've got going on.

Still, just three weeks to go, I tell myself. Just three weeks before I attempt to take a long-overdue holiday.

 

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Changing the World for the Better

4 min read

This is a story about maximising impact...

Tent

Assuming that you care about leaving the world in a better state than you found it, which of course you do not, the topic is an interesting one to explore as a thought experiment, given that the real-world possibility of you or I making any meaningful sacrifices in noble pursuit of a better world, is precisely zero.

So, let me quickly explain all the ways that you think you are making the world better, but you are not: recycling, buying a more economical car, thinking that your child[ren] will be the next Einstein[s] and will solve the climate crisis, sponsored fun-runs, charity giving, sharing stuff on social media, hand-wringing, deluding yourself that your tight-fistedness regarding the radiator thermostat is in any way motivated by man-made climate change, and not sheer unadulterated selfish money-grubbing greed.

Fundamentally, you and I will make so-called 'changes' to our lives, as long as we don't have to change anything at all. We will happily tick an online checkbox which says "make my flight carbon neutral" so long as the amount of money it costs is so little that we don't notice it at all. We will buy products which claim to be eco-friendly, so long as they don't impact our household finances. We will drive a more economical car, because it costs us less money to fill up with fossil fuel, and it drives just the same as one which makes no such pious claim.

Then, we must consider those who have dedicated their lives to charity work.

We must admit, in all truth, that charity has had a very long time to prove its worth, and has yet failed to make any meaningful difference to the world: hunger, poverty, deprivation, preventable disease and other man-made catastrophes are more prevalent than ever, and additionally there is famine and a refugee crisis brewing, which will affect billions, as a result of man-made climate change, which charities - such a Greenpeace - have failed to arrest, despite their long-lived popularity and vast sums of donations which are received every year.

From examination of the data, the conclusion is inescapable: the charity sector is run almost entirely for the benefit of those who work within it. Sure, a few people are helped, in order to maintain a flimsy façade of plausibility, but the data is too overwhelming: charities whose mission is to eradicated poverty, are not eradicating poverty; charities whose mission is to eradicate hunder, are not eradicating hunger; charities whose mission is to eradicate preventable disease, are not eradicating preventable disease.

I'm sorry to be uncharitable, but charity has been an abysmal failure.

I'm sure that those who work in the charity sector are very full of themselves and their work, no doubt buoyed by the heart-rending stories of a the handful of individuals who were the one-in-a-million that actually got helped. However, looking at the big picture: the only success of charity, is as a useful way for capitalism and its supporters, to pretend like they're doing something about the problems it creates. It is extremely cheap for a large multinational corporation, to spend a tiny fraction on corporate and social responsibility, and to milk that for all the PR opportunities it presents.

Fundamentally, charity is aiding and abetting society's ills; charity is perpetuating and endorsing human misery; charity is propping up a status quo, which creates the very problems which it declares as its charitable mission to eradicate.

There are some very well-meaning well-intentioned and very smart people who work in the charity sector, undoubtedly, but the data is dismal; the prognosis is stark... charity has failed, completely and utterly, except as a lickspittle of capitalism, allowing things to get as bad as they have done.

The solutions are twofold: firstly, the smart people need to quit charity work, and get into the multinational corporations, to muzzle those dangerous beasts; to give those amoral entities a moral compass. Secondly, the smart people need to quit charity work and get into governments, to muzzle those dangerous beasts, and give politics a moral compass.

We cannot have it, where all the smart humans with a conscience are neatly compartmentalised into a sector where they can be easily controlled and marginalised, except as a useful vehicle for corporate PR. We cannot have it, where corporations and governments, are entirely staffed by conscience-lacking avaricious selfish greedy humans, entirely without internal opposition from colleagues.

 

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No Consequences

4 min read

This is a story about machine learning...

Up a tree

We like to believe in karma. We like to believe that evildoers will get their comeuppance eventually. We like to believe that virtue will be rewarded eventually. We like to think that there are natural laws, which bring everything into equilibrium: what goes up must come down.

Not true.

I find it very hard to objectively analyse my present situation: is it a punishment, or a reward? Is this one of the best periods of my life or one of the worst? With no absolute scale - no universal yardstick - it's impossible to measure myself, either against prior experiences, or against other individuals.

Very quickly, we get bogged down in difficult questions: is the 'winner' of life, the richest soul in the graveyard, or the poorest? We instinctively ascribe success to the rich, but we do not consider how much they might have sacrificed in order to accumulate that wealth. "Can't spend it when you're dead" goes the old saying. It's true: how much living to people miss out on, because they're saving for a rainy day which never comes?

One of my life's most treasured experiences was homelessness and sleeping rough. Of course, it was insanely traumatic at the time, but as time has passed, all that I'm left with is the happy memories; the hair-raising anecdotes; the adventures.

Perhaps I never truly believed that I was ruined; that my life was destroyed beyond repair. But, how could I have known enough about the future, to predict the astronomically remote possibility of the crucial events which helped me claw my way back from the brink of oblivion? How could I have known that things would work out OK in the end? How could I not have given up any hope of ever re-entering civilised society?

Perhaps I don't believe that I really am back. Certainly my present life is very odd, versus anybody else who considers themselves to be a fine upstanding example of a model citizen, carrying themselves through life productively, and as a valued member of society. Where are my wife, children, mortgage, car loan, life insurance, home insurance, car insurance, dental insurance, unemployment insurance, phone insurance, insurance insurance and suchlike? Where are the trappings which trap me? I certainly do not behave like a model capitalist consumer.

I am continually willing the world to block my way; to throw me out on the street; to cut off my income. I am continually willing the world to chuck me out of the club; to bar my entrance from civilised society. I am continually willing civilised society to force me out and into the underclass. I am continually willing those around me - work colleagues for example - to snap and lose their patience, and to say "you don't belong here! get out!".

I fantasise about total isolation, without a gun to my head: a little patch of ground to lie down on, where nobody will bother me, ever. I fantasise about being free from coercion.

I can forget about how coerced I am when I am busy, so I try to be frantically busy at all times. I never want to be alone with my thoughts, because I am so horrendously coerced: I'm not allowed to be idle for a single second. Every ounce of my productive capacity is milked, and then it's milked some more for good measure, but it's still not enough to pay for the privilege of breathing: somebody will slap an extra tax on me; demand money with menaces. I'm running as fast as I can to stand still, but I'm still going backwards.

Conversely, when I abandon the struggle, the dire consequences are not dire at all. While I spend most of my waking hours contemplating suicide, when I am being coerced, as soon as I collapse from exhaustion and abandon the rat race, life becomes seemingly worthwhile again: a Catch 22. I know that life is easier if you are wealthier, but it's impossible to become wealthy, because the rat race is so unbearable; unwinnable.

I live with dignity: independent, undeniably productive and industrious. I have proven beyond all reasonable doubt that I'm as good as anybody at this ridiculous game, but what good has it done me? I still go to bed alone, exhausted, anxious, afraid, depressed, isolated... but I also have the knowledge that, at all times, I can flush the whole stupid mess down the toilet and I'll be fine... better than fine, in fact... it will be better when the time comes, to cut loose from this coercive life.

 

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The Expectation of Better

5 min read

This is a story about strategy...

Risk

We might say, unquestionably, our lives are better today than the lives of our grandparents; our quality of life is vastly better than when our grandparents were the same age we are today. Infant mortality and deaths in childbirth are vastly reduced, antibiotics and vaccines have virtually eradicated major diseases, food is abundant, high quality, tasty and nutritious, war is almost a forgotten memory; certainly the horrors of war are long forgotten... the proliferation of jingoistic moronic idiotic imbecilic poppy-shagging flag-shagging brain-dead meathead pillocks, is alarming, and those utterly brainless waste-of-space people think that war is glorious; they romanticise war.... however, there is only a tiny fraction of the war we once had, and that's a really good thing.

Thinking about things a bit more, however, we cannot say that universally life is better. It depends what you value. If you value a job for life, a good pension, community spirit, lifelong marriage, affordable housing, pleasant and rewarding work, beating your wife, beating your children, beating homosexuals, beating Black people, beating Brown people, imprisoning homosexuals, murdering criminals, oppressing women, murdering, beating, and oppressing the native inhabitants of the far reaches of Empire, and other 'old fashioned' values, as well as watching a substantial number of children die before reaching maturity, women dying in labour, masses of people dying from preventable diseases, shorter lifespans... if that sort of thing is more your cup of tea, then yes, maybe life has got worse.

We might consider, on a shorter timescale, whether our own life is getting better or worse. My own situation is mostly unchanged: I would have been able to afford an apartment in very central London as a twenty-something, and I could still afford that same apartment today, but it would swallow a larger proportion of my income, and I would have to cough up a larger chunk of my life savings as a deposit. We might consider the realistic prospect of me retiring: in my early twenties it looked likely that I would retire at age 50, in considerable comfort. Now, retirement at 75 would be possible. I suppose my options have not disappeared altogether, but I am a highly unusual individual; highly atypical.

Perhaps it is my expectations which are wrong?

No.

The range of my expectations includes committing a victimless crime - defrauding a bank or other parasitic organisation out of such a tiny fraction of their exorbitant profit that it wouldn't be missed by anybody - and either netting myself enough money to retire, or a custodial sentence to provide food and lodgings for the rest of my natural life: a win-win situation. At the bottom end, my expectations also include homelessness, and indeed sleeping rough, both of which I am all-too familiar with: they hold no surprises for me; I know what to expect. At the top end of my expectation range, there's nothing more than owning a dwelling of some kind, and having enough money to eat and pay the mandatory minimum bills... better than a prison cell or whatever shelter I could manage, sleeping rough.

This, again, is very atypical.

If we study most of humanity, we see that the strategy is very different. Most people are engaged in the bestial pursuit of making copies of their genes through offspring. Most people are in denial about the decline in living standards, and are attempting to use their sharp elbows to barge their way through the crowd, in the delusional belief that they'll be able to - through sheer willpower - bend reality to meet their psychotic hallucinations. "This will make for a great anecdote during your interview at The University of Oxford, dearest little Joshua" parents will be saying to their children, as they scavenge through a burnt-out supermarket in the shadow of derelict skyscrapers, unable and unwilling to ever accept that thrusting their progeny into the middle of the post-capitalist collapse of global civilisation, was perhaps the most stupid and selfish act ever committed by a supposedly sentient creature.

Conversely, you might think that I am stupid for not having children and shackling myself to a job that I hate for the rest of my life, in the hope of receiving a measly pension in the twilight years of my life, which I won't get to enjoy because of heart disease, diabetes and rheumatoid arthritis. I am prepared to consider that maybe it's me who's got things wrong. Except, you'll have lots of time to think about it, until your dementia sets in, whereas I won't have to think about it at all, because I'll be deliberately dead at my own hand, having avoided my own suffering, and having avoided inflicting life's suffering onto any innocent children.

These are not original ideas, of course, but we would be wise to consider the alternatives to what might appear, at first glance, to be the obvious answers.

 

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Minor Discomfort

4 min read

This is a story about unrealistic expectations...

Cleaning cupboard

I'm not sure where this 'unrealistic' thing came from. Realistically, we will succumb to a horrible disease, and then die. This much, our parents knew for certain when they decided to have children. Realistically, our parents knowingly condemned us to a life of deprivation and want; disease and death. Realistically, our expectation should be to die in fear, agony and discomfort, after struggle and suffering.

Is there any point in counting our blessings? Why not count our curses? Either option is comparably meaningless as a mortal creature in a godless universe.

I wonder how frequently a minor inconvenience seems sufficient grounds for suicide, to me. Certainly in the past few years, I've been so consumed with horrendous anxiety over 'trivial' life events, that I've lived with near-constant suicidal depression. I've lost count of the number of times that I've promised myself that I'll end the suffering if a certain unfortunate event occurs. I've lost count of the number of times I've felt, for a moment, on a knife edge about to end my life, triggered by seemingly the most minor of things; the most inconsequential and hard to fathom, for those who aren't troubled with such extreme sensations.

It's hard to know if things are getting better or worse. Certainly, I overcame problems with moving house, potentially losing my income, some invasive background checks, plus the hurricane-strength headwinds of debt and other money worries, which completely eroded any hope and sense of wellbeing, constantly. I dealt with breakups, losing my cat, a car which had to be scrapped, another car which got crashed into, multiple organ failure... you know, that kind of stuff. Normal everyday ordinary kinda stuff.

I'm no fan of the contrived platitudes about counting blessings, or suchlike idiotic nonsense. However, it did occur to me that I'm grateful that, for example, I have no need to deal with doctors or dentists; I have no need to deal with solicitors; I have no need to deal, on the whole, with the general public. I suppose it's a somewhat charmed existence, certainly versus being one of the oft-mentioned starving African children, or indeed the one any only person on the entire planet who's got it worse than everybody else, and therefore by extension is the only person out of nearly 8 billion, who's legitimately entitled to complain or feel sorry for themselves: everyone else has to suck it up and "count their blessings".

I reserve the right. I reserve the right to complain. I reserve the right to feel sorry for myself. I reserve the right to kill myself, whenever I want. I reserve those rights.

It seems to me, that the only way that humanity's self-awareness can be balanced, along with the curse of intellect which allows the perception of the futility of existence, is with the ability to end one's own life. Sure, vast swathes of humanity are too stupid and ignorant to be cursed with the comprehension of the awfulness and meaningless of existence; afflicted by angst, ennui, anxiety, depression and other horrors visited upon those who are elevated above the level of rutting beasts. Sure, it would be soul-soothing to be swept up in the mass hysteria; too busily acting like a slug or a wasp, intent on passing on its genes, like a mindless beast... sure that would obviously be better, in terms of personal suffering, but it's unethical to knowingly inflict such awfulness on an innocent victim: namely those children who did not consent to be born, nor indeed should have been born into such a dreadful world. There is no excuse for the crime of bringing children into this world, to suffer and die afraid, in pain, after a life of struggle, discomfort and unmet want.

I suppose it's an incredibly unoriginal and banal observation, that organised religion provides a convenient but provably wrong fantasy for those who wish to justify and forgive their own wicked deeds. You might argue that morality is the sole preserve of organised religion, and in a way you are right: there are no supernatural entities who sit in judgement over any of us; there is no objective morality; everything is permissable, within the confines of the universal laws of physics.

So, in conclusion: commit suicide, or commit murder, or don't. Nobody gives a shit. Nothing matters. Life is meaningless and all human history will be obliterated such that any and all existence of humanity's existence will be utterly undetectable; totally and irretrievably destroyed.

 

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Dreading the Weekend

4 min read

This is a story about time as an enemy...

Clock

I suppose almost all of us live for the weekend, or the equivalent: the working week can't pass quick enough, and our precious leisure time doesn't last long enough. "Is it Monday morning already?" we ask ourselves rhetorically, with disappointment in our voices.

Not me.

Although Friday does hold a special significance for me, it is only that I have successfully completed another billable week, earning myself a chunk of cash, which takes me a step closer to financial security. Given the choice, I would work 7 days a week, in order to achieve financial security 40% quicker. I do not look forward to the weekend, at all.

Of course, it doesn't help that my social isolation has increased, from one extreme to another: I never see another soul, at evenings and at weekends. The only people I see are strangers at the supermarket. The only words I exchange - in person - are with the cashier at the checkout. Given that I shop for food roughly every three weeks, that's an existence which is more extreme than almost anybody on the planet. A goddam Tuareg in the Sahara sees more people than me; has more social contact. A goddam monk who's sworn an oath of silence has vastly more social contact than me.

could theoretically do something about it. For sure, I could join a book club; I could become a train spotter; I could develop an interest in ornithology; I could dress up as a superhero and go to comic conventions: the world is my oyster, but - so it would seem - I'm not seizing any of the infinite opportunities open to me, to build a real-world social network.

Why not?

Why am I not out there in the big wide world, making friends and meeting people?

I have, for example, deliberately decided to be single for a while. All of the COVID-19 stuff seemed to be making dating very complicated, what with various lockdowns and restrictions on the lives of single people, and besides, I wanted to lose some weight: restaurant meals and alcohol were never going to allow me to lose weight. Also, there's nothing quite as crazy-making as people. Recently, I was the victim of a tirade of abuse, for example, which was completely unprovoked; unjustified. I haven't got the time or the energy to be abused by nasty crazies. I really don't need my inbox brimming with hateful abuse, which bears no relation to anything I've ever said or done in my life. I'm quite glad to be able to ignore that kind of unjustified abuse, because I'm not looking for a girlfriend, or indeed trying to make any kind of connection with anybody: I'm just trying to survive the winter.

The hours pass painfully slowly. It would seem like any sensible person would do something, if they were suffering as badly as I claim to be, but it's not true: in my circumstances, you'd do the same thing... eyes on the prize. You too, would suffer in the short-term, even if it seemed unbearable, because you would also know that there's only one route ahead; only once choice, although it appears to completely ignorant idiots as if there are more choices. There are not. There are no other choices.

I look around at the options, and all I see is futility. I don't want to pretend that I believe in a sky monster. I don't want to pretend that I like Salsa dancing. I don't want to pretend that I'm interested in trains. I don't want to pretend that I'm interested in birds. I don't even want to pretend that I'm interesting in boring and unintelligent, unambitious provincial hicks, who've never travelled and experienced other cultures, with no aptitude for free thought and certainly no capacity to entertain the notion that life should be lived in a way which is dissimilar to that of slugs, wasps and other simple beasts, like the pram-faced breeders spewing out an endless stream of pink screaming flesh into a life of misery and disappointment.

Eyes on the prize: I'll never have enough money to live out my natural life at an acceptable standard of living, but mercifully I can choose the precise day of my death, to co-incide with both what is bearable, and what is affordable.

 

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Grind

4 min read

This is a story about wishing my life away...

Jeep

As a child I wanted to be a grown-up so that I could drive a car and buy whatever the heck I wanted; eat whatever I want; do whatever I want. Life has, in fact, kinda worked out for me in that regard. Life has, essentially, turned out to be everything I expected it to be. It really is child's play in fact, provided you stay true to your childish ambitions: I do, in fact, enjoy driving, expensive toys, eating whatever I want, and doing whatever I want.

I don't think I was ever so naïve as to think that things didn't have to be paid for. In fact, if there's one thing which has been front and centre of my mind, since the moment that consciousness sprang into my infant mind, it's that everything has to be paid for. You have to pay to play: I've always understood this.

As with childhood, I know that there's no other route to get where I want other than waiting. I had to wait until 17 years of age to get a full driving license, to enjoy the freedom of the road on my own. I had to wait for everything else I wanted too. I'm waiting now. My whole life is mostly waiting. Waiting for the stuff I want.

Older people, and particularly parents, are somewhat idiotic in telling children and younger people to not wish their lives away. It's moronic to tell somebody who has no freedom and cannot get what they want, that they should cherish a time of misery, suffering, deprivation and unmet want. What is there to cherish about being homeless? What is there to cherish about being hungry? What is there to cherish about having the world flaunt everything in your face, while you can only look on jealously? What is there to cherish about the impotence of having your life controlled by others? What is there to cherish in the waiting?

I've often written about this, but if I could take a pill and wake up ten years from now with no memory of the intervening decade, but all of my earnings in the bank, of course I'd take it. There's nothing I want from the present. I only want the opportunities which money can buy, which are locked up in the future, with nothing but grinding standing in the way.

Grinding is a well-understood thing, amongst younger people. In the absence of any realistic prospect of being able to afford to buy a house and start a family, it seems obvious that virtual worlds would flourish. Starting with games like The Sims, and then the infamous World of Warcraft, there has been an enormous explosion in popularity of games which aren't won per se, but instead offer a virtual reality where achievement and progress are possible, in a way which is not possible in the real world. No amount of supermarket shelf stacking will enable a young person to escape from their socioeconomic predicament - their preordained doom - and as such, it's little wonder that their tiny amount of disposable income would be frittered away on virtual objects; purchasing power so inadequate as to acquire any of Maslow's hierarchy of needs, such as shelter.

The gamification of life is all-pervasive. School is not about learning, but about grades to get into university. University is not about learning, it's the only route into a career without a ludicrously low glass ceiling. Jobs are not about passion or vocation, but each one a means to an end: a stepping stone on a career path towards... towards what? Towards a pension, and death hopefully. At least, hopefully, a long, painful, uncomfortable, illness-ridden, but not impoverished retirement, hopefully. At some point along the way, a partner will be acquired - whose looks and intelligence will be scored - and later there will be children who will also score points for their academic achievements. Everybody is keeping score.

The grind seems necessary, somehow. A means to an end, perhaps. Except, the summit is never reached. The goals are never achieved. There's no winning this game.

 

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