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

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

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

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

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

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

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

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

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

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

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

It's time to do the right thing.

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

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

Tags: #banking #career #gender

This is a story of the people who see you at your most tired, afraid, and in the most pain and discomfort...

I owe the hard-working, caring and dedicated nurses of the National Health Service my life, along with the Radiographers, Cardiologists, Phlebotomists, Psychiatrists, Social Workers, Psychologists, Nutritionists, Physiotherapists, Pathologists, Porters, Caterers, Cleaners and of course the Doctors, Consultants, Surgeons and Anaesthetists. It would be ridiculously selfish of me to not continue living after all the hard work that a huge team of people made in putting Humpty Dumpty back together again.

I always seem to expect that things will heal overnight, and indeed I rushed everything after a fairly major leg injury. After the accident, which luckily seemed to avoid any major blood vessels, despite severing a load of muscle, tendon and nerve. I hastily cobbled together a 'field dressing' with sanitary towels and a dressing gown cord, and wanted to make my own way home, but paramedics insisted on checking me out. It was them who discovered I couldn't actually raise my foot anymore, due to a severed tendon, and had lost feeling on the top of it, due to a severed nerve.

The operation took a long time and must have cost a lot of money. I have paid a lot of tax and National Insurance during my career, but that does not make me entitled. I need to repay my debt to society somehow. I haven't thought how I'm going to do that just yet, but I do think about it. I do have a list I'm working through, although I'm obviously never that mindful of the "one step at a time" mantra... I tend to sprint everywhere.

Running before I can walk, running with scissors (not how it happened, just a metaphor) and all the other things my Mum warned me not to do never ended in tears because I was always told to MTFU (Man The F**k  Up). A kind friend told me the other day that excess mucous and swollen mucous membrane might indicate a backlog of tears. I guess my tear ducts are fairly full.

But let's keep this about those in the caring professions. These people have to mop up your blood, pooh, pus, vomit and mucus, while you wince and generally try and hide your discomfort and be as polite and courteous as you can under the circumstances.

We should pay people in the caring professions a living wage, and more to reflect the important role they have in society.

I, for my part, am going to ensure that I pay full income taxes on my earnings when I am inside IR35, which is anytime that I have a regular place of work and commute to the same office on a regular basis... like now.

Coming from a startup and small business culture, I have always re-invested any profits into Research & Development projects in my time between contracts, but I think I need to just get a regular hobby... probably a safe one, given my accident prone nature!

I also think that a socially responsible proportion of my disposable income that I have should go as Gift Aid to Macmillan Cancer Support, because Cancer is a disease which blights all our lives, and the nurses in Palliative Geriatric care are really doing an extremely tough job and should receive all the support that we can possibly give them, as highly qualified professionals in a job that demands them to be kind and caring, loving and supportive, dealing with the inevitable painful loss of loved family members.

This by no means absolves me of my social conscience, but it's a public declaration of starting as I mean to go on. Some might see this as pathetic hypocrisy. Fine. Send me a postcard with a better idea.

Tags: #NHS #injury #startup #charity #career

This is a story of the people behind the camera; the unsung heros....

As I was having a "brand interaction" with Shaun the Sheep, I observed that there was one gender that was statistically more probable to be behind a camera, photographing a little person.

Mums are our unsung heros, Grannies are the nonjudgemental free babysitters for mollycoddled mummies boys, Aunties are the eyes that see everything from afar, Cousins are the ones who are 'Goldilocks'... not too close but not too far. You shouldn't marry your cousin though. Not enough genetic diversity.

Men are arseholes. Powerful men are entitled, bullying, cruel and myopic arseholes. Men are warriors, but we are supposed to be civilised. There is nothing civilised about war. There is nothing civilised about bullying, pain, human suffering, hunger and feeling unloved.

Mums are the antidote to men's raging testosterone. When women give birth, maternal instincts are programmed into the mother, which are necessary for the survival of the species. However, human babies have very large heads (ouch!) and are totally unable to support themselves and their alien head until they have drunk lots of mother's milk from the mammary glands of their mother.

Oxytocin is released into the bloodstream of nursing mothers, as part of bonding, but there is a sympathetic reaction, which is not in the mother's body, but in the father (if he stuck around for the birth). The release of this hormone is critical, to change the mode of the male, from fight, fuck and flee, into a responsible adult who deserves to have his offspring survive for long enough to possibly pass on 50% of his genes.

This is not so much the 'selfish' gene, as the 'anti-freeloader' mechanism. I'm sorry buddy, but you don't get to sow your wild oats and expect to reap what you sow. That's called rape.

I'm sorry to say it, but there are far to many rapists in the world. Men who think that they can get away with taking what they want, and not sticking around to face the emotional and physical consequences. The price for your 3 seconds of copulation could well be a pink/brown/yellow/red, screaming, incontinent midget, which can't feed itself, but yet you find yourself doing a weird dance in worship of this blood and mucus covered alien that just exited the mothership.

The "summer of love" was merely a chemical blip that nature would inevitably find its way around. The powerful drugs that have been synthesised in Bayer, Roche, Lily, Pfizer, Myers-Squibb etc. etc. which were tested on animals, including many of society's undesirables is a holocaust that we have conveniently forgotten. Baby boomers should not be nostalgic for being doped up in a field having unprotected sex, because that's f**king up society.

Many well meaning Physicians have entered Psychiatry, believing that it was a new Science, motivated by the desire to improve lives. Nobody did the long-term studies to find out whether the outcomes were better or worse. Where data has existed - for example, with Heroin, Cocaine, Laudenum, Snuff, Cannabis - the long term outcomes only look OK for the extremely wealthy. Are you the Queen of England? No? Then perhaps Cannabis is not for you. Big Pharma gets very rich indeed of patent royalties, which is completely at odds with the needs of sick people.

Psychoactive substances have always been the means of controlling society. Whether it was the Coca leaves of Peru and Columbia, Betel nut of Africa, Paan of Southern Asia, Tea of North India and China, Coffee and Cocoa of South America... and of course, Tobacco of the Americas. Older than all of these, is of course, alcohol which was brewed by monks in order to addict people to something that would fill their congregation pews.

As shamanism, witch-doctoring and magic declined in Europe, so organised religion rose to fill the void, as child mortality and and an early death were guaranteed to feature in the lives of Medieval people, along with hunger and bitterly cold winters. Life was short and sh1t.

Civilisation has advanced. We now have the resources to treat diseases, making them go away and people live instead of dying. In a hell of lot of cases that's a mosquito net and a sachet of salt & sugar, which will save the life of a person with runny pooh, provided they have access to clean drinking water. It's as simple as that.

Add food into the mixture and you're improving lives immeasurably in Sub-Saharan Africa. The Sahara is a bleak and desolate space that separates almost an entire continent from having access to civilisation. Do we travel there to distribute clean water, medicine, bicycles? No, we go there to steal gold, diamonds, uranium ore, dam their rivers, steal their resources and take what little crops the African people grow to feed themselves, paying barely enough for them to survive the winter. This is rape.

I don't know if this is coming across, but I'm quite angry about this. I have been for as long as I've been able to hold a complex thought and set of feelings in my young mind. I'm sorry I wasn't a right-on lefty liberal, born with a copy of The Guardian clutched in my hands, as I was ejected from my mother's womb. I'm sorry that you're too far up your Islington Blairite Hypocrite Champagne Swilling Holier-than-thou F**king A*se to see that the working classes care too... but they didn't have the benefit of your privileged education. But then you're so smart that you knew that? No?

Thankfully, Oxford is a think-tank, where burnt out Blairites decide to raise a family. It used to be an affordable commuter belt City with enough culture and academic interest to make the trip into Paddington on the train, worth jostling with other suits in the morning.

Oh yes, Oxford has its fair share of people who look down their noses at the great unwashed masses. Thankfully though, some of them couldn't avoid actually encountering some grubby street urchins, and having their perceptions shaken up.

There was a joke shop in the heart of Jericho, where you could buy water balloons, smoke bombs, whoopee cushions, firecrackers/bangers and other things that could shock a smug mummy's boy out of his self-obsessed preening, admiring themselves in their gowns in shop windows as they walked through the cobbled streets of Oxford's dreaming spires.

My Parents never really reprimanded me for launching a "Swallows and Amazons" style attack on the punters, from the high boughs of trees and bridges in the University Parks. We were little monkeys, who tore around town on our BMXs and skateboards faster than any Park Ranger or officious old fuddy-duddy could chase after us. We used to ring doorbells, egg houses, put treacle on door knobs. We were working class kids thumbing our noses at the establishment and everybody loved it, except for the arrogant elite.

Luckily, all the 'warrior' men were all in London, hunting big game and beating their chests. We knew our mothers would tell us off and say "wait until your father gets home" but we also knew our fathers would be exhausted from full-on days of p1ssing contests in the Big Smoke, followed by horrendous rat-race train journeys from hell.

This kind of matriarchal society took the sting out of any beatings that the kids got, and us kids bonded a lot more with our mothers than would be ordinary at that time. Did it lead to a load of mummies boys? Actually, it might have led to a group of people who feel so loved and cared for that they feel invincible. Is this a bad thing? Well some of my friends have died young, making unwise decisions when fuelled by alcohol.

There was one friend who shone bright in all our lives, and the circumstances in which we lost him were close to my own childhood experiences, of playing on railway tracks unsupervised by adults. I could totally picture exactly how it happened. It was chilling, and still is today. I am not imagining myself doing that, I am actually able to perfectly empathise with the mindset that would have led to a tiny mistake, which cost my friend his life.

I hope that his Mother and family is OK, if they read this. I'm trying to write it as sensitively as I can. Our friend is still very much alive in our hearts, and I'm crying as I write this. Tears are rolling down my cheeks and splotching onto my keyboard. I can remember how he touched our lives, as clearly as if it were only yesterday.

The cruellest twist of all, was that we had reconnected just as we were leaving adolescence; and embarking on our journey into adulthood. It robbed us all of the chance to see just how great that young man was going to become. Life can cheat and short-change us still, even at the end of the second millennium.

The challenge that life set our group of friends, was how to cope, in the modern age that had scattered us to the winds. We couldn't really grieve properly as a group. Even though, by total coincidence, this young man had ended up in the same City in Hampshire as me. Most of our other friends had remained in Oxford, where we grew up in.

I used the Internet to try and reconnect with these friends, but it was still very early days, and I felt very damaged and bitter about having been taken away from this group of beloved people. My parents were always moving me away from my friends and schools I loved. I didn't undertand why this had to happen. It was heartbreaking.

We left Aberystwyth for Kidlington, we left Kidlington for Tackley, we left Tackley for Oxford, we then had an abortive attempt to leave Oxford for Cinais in France (thankfully my teachers stepped in and stood up for me, explaining that my life was getting f**ked up by this wanderlust) but we still left for Harcombe, and then the family left Harcombe for Charminster.

By this point I had gotten f**ked off and left home at age 17/18, for Dorchester and my first job. I had barely settled in when British Aerospace then had the lovely idea of moving me to the Portsmouth/Fareham/Gosport area. Eventually I got f**ked off with that company keeping me away from my friends (and being responsible for making weapons that were used to kill people) so I moved to Winchester, where unsurprisingly I didn't have the most developed set of social skills or any ability to relate to my peers... unintended consequences, but it certainly hit me right in the feels.

I had a very weird time in Winchester, but I made 2 key friends, one of whom has recently re-entered my life, which restabilised it temporarily. Friends are important. Continuity is important. Stability is important. Trust is important. Truth is important.

I'm still working through thorny feelings about being taken away from my peers. It left me feeling I had to be fiercely independent and do everything early, in a rush. I've always felt like I had to take care of my Parents. When we were in Ireland when I was a little boy, I remember staying awake all night so that I could go and fetch the coal in the morning. I got myself dressed at dawn, and was just heading out with the coal scuttle to fetch the coal, when my Dad woke up and asked what I was doing.

Yes, you can raise your kids in a Victorian way, and they will turn out OK to outward appearances, but they may have problems reconciling your nostalgia for a time that probably didn't exist and you are over-romanticising, with reality in the 20th and 21st century. The projection of your inadequacies will have unexpected consequences. "Children should be seen and not heard" is one of the most offensive things I have ever heard in my life. F**k you, you dinosaurs.

It's not your fault. You were the best Mum & Dad (I wasn't allowed to say "Mum" or "Dad" for some reason) that you knew how to be. I did have an interesting time in my not-really-allowed-to-be-child-hood, being your experiment in denying the infantilism of an infant. It's benefitted me in the long run... I've had a great head start in many aspects of my life. I'm just not what you might call, a rounded character. For every yin there is a yang.

I'd probably make a good butler. I like dressing up and I sound posh. I can be anything you want me to be. I aim to please, Sir.

Tags: #childhood #career #london #oxford #parents #drugs #addiction #alcohol

This is a story of a night where I fell asleep and didn't know if I was going to wake up...

God bless the NHS. This is the view that I couldn't really appreciate, from my hospital bed, where I was quite surprised to wake up. I wasn't surprised that I was in hospital, as I remember going there, but I don't remember caring whether I lived or died. I certainly was not afraid of death. I was surprised to still be alive. Was I grateful to be alive? No. Was I grateful for the hard working people of the Royal Free Hospital? Yes.

On another occasion, I had sliced my wrist open, which was a fairly calculated cry for help, and as my distress grew, I posted a picture on Facebook of some Potassium Cyanide which I had obtained through the Dark Web, which was perhaps a final warning. The responses to both were rather confusing and disturbing. People reacted angrily. I became the bad guy somehow. I'm not sure how or why that happened.

It was World Suicide Prevention day on September 10th, but I was too consumed with work to notice that day had passed. That means I survived, for now. However, I am scared that the darkness may return one day.

That's why I decided to build something that I thought would have been useful to me, when I was going through tough times. I didn't even stop to think that somebody else might have built something similar. I just threw something together (areyougone.org) in the matter of a few hours.

If it only takes me a few hours to build a suicide prevention / missing persons service, but it only takes you a few moments to dismiss somebody as a "Melodramatic Emo" or some kind of "Lost Cause" then F**k You, buddy.

None of my friends came to visit me in hospital. None of my family. That's a pretty poor show.

Do you really want to pick over the details? Who made you God? Why should you sit in judgement over those lives you want to care for and nurture and protect, and those who you deem unworthy? When is it OK to label a person as a lost cause, and just leave it to the Police, Nurses, Doctors and Coroners to pick up the pieces?

We are kicking human lives into the gutter, and I'm upset about that.

I had to ring an ex-girlfriend to bring me some clothes. Weeks in hospital with no physical support from partner, parents or friends is pretty shitty (May 2014)

Tags: #suicide #mentalhealth #depression #NHS #london

This is a story of the son of a historian and a philosopher...

Here's where I grew up. I literally had the West Wing. This 26 bedroom 'house' cost £120,000. Only my father - the most inspirational person in my life - had the vision and the courage to take the plunge on such a venture. You can't even see the whole house... there are still 2 blocks,  an indoor basketball court, a grass tennis court and a 5-a-side football pitch, that you can't see.

So what riches paid for all this? What family money? What inheritance, trust fund, or silver spoon were we all born with?... is there a chance that your preconceived notions might be wrong?

My Mum was the main breadwinner in our family, on an entry-level academic salary. My Dad used to be a gardener. We used to live in Gardiner's Arms Cottage. The cottage backed onto some woodland, and I could hear Wood Pigeons coo-ing from my bedroom (my parents had the only other bedroom). In order to make this tiny cottage liveable for our growing family, my Dad built an extension, built me a tree house, and used to poach the Pheasants and Wood Pigeoens in the woods, in order to save money on meat.

I cried when we left the cottage, as my life seemed pretty complete. I got to play in my tree house, sniff the flowers and water the grass... what more is there to life? However my Dad had bigger and better plans for the family. The problem with workaholics, is that they don't know when they have won, and when to stop. I'm very grateful that my parents are who they are, and it's taken me 36 years to really see their master plan, and get on board with the winning team.

As well as a gardener, my Dad has been a philosophy undergraduate, car mechanic, metals trader, chef, pub landlord, junk shop owner, holiday cottage operator, builder and antique dealer. His knowledge and love of architectural antiques, plus his skill as an entrepreneur helped him to build Oxford Architectural Antiques into a business that counted Formula One drivers amongst his clientele, as well as him providing architectural centre pieces that were focal in the work of famous interior designers and restauranteurs.

My Dad taught me the importance of not only building a profitable business, but being part of the economic community. He created jobs, and firmly believed in the Guild of Master Craftsmen. He made the former coal yard that he rented into a beautiful jewel in the heart of Jericho, that won an Oxford in Bloom prize. He was interviewed by the BBC. He put on fireworks shows for my school friends and me. He sponsored struggling local artists and musicians, to put on cultural events. He is my hero.

Unfortunately, career politicians saw his yard, only in terms of prime property development value, and eventually it had to be sold off so that flats could be built on the land of his thriving business, as well as nearby Lucy's Iron Works. Because of this Jericho no longer had these sources of wealth generation and employment.

This is the definition of a Lean Startup. I learned from the best in the business (circa 1986)

Tags: #startup #entrepreneur #lean #childhood #oxford #parents

This is a story of a career spent in anonymity as a small cog in a big machine...

Any entrepreneur will tell you that overnight success takes many days, weeks, months, years or lifetimes. I can tell you exactly how long some of my successes took to build, and what the cost was: in terms of personal sacrifice.

Let's talk about my first startup, Bournesoft. I had needed to quit my job due to ill health, and as I recovered from the depression that followed, in July 2008, I taught myself to program games for the iPhone. I had 3 number one hits in the Apple App Store, in late August and early September.

The price I paid for this, was mood instability, which had been kept in check by the routine of office hours. With only a limited window of opportunity to make big cash in the App Store before every Indie Dev saw the opportunity, and then the big corporates moved in. I worked 18 hour days, and paid with my relationship with my partner, family, friends.

I also paid with my love of programming. I hated programming after having to learn Objective-C and the Apple platform under such pressure, which I put on myself. It was supposed to be a fun and confidence building excercise, that I had set for myself, having had an abrupt halt to a successful 11 year career as a software developer.

And so my next startup - www.bournemouthelectrician.co.uk - required significant retraining, but gave me the opportunity to work with my hands in a non-corporate environment, which I decided were my two priorities at the time. Unsurprisingly, there is not really an established training route for wealthy and successful IT professionals and Mobile App Indie Devs, into the building trade.

Undetterred, I incorporated a company (Bournemouth Technology Ltd) funded it myself with a director's loan, signed up for the training courses and got myself an IT contract to "fill the time" and keep the cashflow positive. As soon as I had passed the 17th Edition of the Wiring Regulations, C&G Periodic Inspection & Testing exams and had been inspected by the NICEIC, I bought a van and started trading.

In terms of sacrifice, I invested about 30% of what my lowest earning App had returned me. I also gave up an IT contract that was worth "a lot of money". But I hated programming and working in an office, remember, so I didn't view it as any kind of sacrifice at the time.

Until you have stood in a puddle of water in your customer's kitchen, when you have burst the cold water pipe into the house, or had to find the emergency cutoff as fast as you can when you have drilled through a gas pipe... you do not appreciate your desk, your swivel chair, your computer screen and your photocopier.

Anybody who says "stud finder" has not done any building work on older houses, which are full of the DIY-enthusiast's bodge-jobs, which are a daily risk to the life and livelihood of those in the building trade, who have to lift your horrible laminate flooring, crawl through your fibreglass filled loft, drill through your crumbling brickwork, and discover the creative plumbing you have plastered into your walls. "Why the f**k did they do it like that?" you find yourself asking far too many times. There is never a good answer. Regulations and professional standards exist for good reason.

When I was up to my elbows crawling around in shredded newspaper (creative insulation) dodging the exposed 230v A.C. live terminals of junction boxes that didn't have their lids any more, I got a phonecall asking if could I do a 2 week IT contract that would pay the same as rewiring two whole houses. I realised that I had finally learnt the value of the career I had left behind.

I managed to clear 2 weeks in my full diary of customer's jobs, but I avoided the unpleasant job that I really needed to grasp the nettle of. The right thing to do would have to been phone and cancel those jobs completely. Instead, I was exhausted from building my business from nothing to being a profitable company, and the shame of failing my customers drove me into a second lengthy depression. I did not fail gracefully. I don't feel too bad, because many members of the public I met tried to take advantage of hard-working and skillful tradesmen.

So, I started to retrace my steps. As my depression lifted, I built another Mobile Apps startup. This time selling to enterprise. I drove to one of the UK's largest insurers in my electrician's van, for a sales meeting. It started as Roam Solutions, and then became mEpublish.com and eventually, after the springboard(); TechStars program in Cambridge, it finally became hubflow.com.

Pushing myself so hard took me to the limits of human survival, costing me countless friends, my wife, all my money, my house, my boat, my cars, my hot tub, my summer house, all my tools of the trade. I would gladly pay double that, because it led me home, to London, reconnected me with my friends, and reignited my desire to continue living, liberated from fear of losing material possesions and unhealty relationships.

I'm the one taking the photograph. Camden Town, London, UK (October 2013)

Tags: #leadership #startup #entrepreneur #computing #mentalhealth #suicide #depression

This is a story of identity, respectfully, on the anniversary of the September 11 attacks on the World Trade Center, New York, USA...

When people ask where I'm from, I'm not sure how to answer the question. My surname is Grant, which is Scottish, but I was born in Aberystwyth, which makes me Welsh. But my Dad was from Yorkshire, so maybe I'm a Yorshireman. However, my Mum was from Lancashire, so maybe I'm Northern. But then again, I grew up in Oxford and Dorset, which are in the Midlands and South. I have lived & worked in London, England most of my career, and this multicultural smelting pot is where I feel most at home.

The short answer is, in my opinion, that we are all global children in the age of jet travel, international journalism and the Internet. I identify most strongly with the American people, who made me feel comfortable with my modern idenity, and the Irish people, who made me feel welcome despite my shortcomings.

As a European, I grew up during a period of IRA bomb scares and bombings. I remember not wanting to drink my milk at primary school because of fallout from Chernobyl. My school was once evacuated due to a bomb threat. My neighbour was working late next door to the Baltic Exchange when it was blown up. During the height of "The Troubles" our family felt scared to visit Northern Ireland, when we were on holiday in the Republic of Ireland. Several friends were nearby when the Brixton and Soho nail bombs went off. I remember being scared of planes carrying nuclear atomic bombs from the USAF bases in Oxfordshire. I remember the Lockerbie bombing and I remember being scared of planes being blown up or crashing while I was in one.

When I started my first Banking job in Canary Wharf in 2000 (age 20) there was no HSBC or Citigroup tower (let alone Barclays, JPMorgan, KPMG, Fitch etc. etc.) - they were just digging the foundations around Canada Square - the glass windows in the offices, that were blown out by an IRA bomb, had only relatively recently been replaced. My first job in The City (Square Mile) of London was in an office, which overlooked the bombed derelict ruin of The Baltic Exchange.

In May 2001 (age 21) I started my first Investment Banking job, quite near the Natwest Tower (now called Tower 42). On May Day the previous 2 years, The City had been engulfed by protestors against the rise and rise of Global Capitalism. During the riots, my office reception had been amongst several that had been compromised by protestors, leaving pinstripe-wearing, briefcase carrying, FT-reading fat cats (if that's how you care to think of these friends and colleagues of mine) barricaded in their offices.

On the 9th September, 2001, I moved to Surrey and was commuting into London for the first time. On the 11th, I remember the unfolding of events precisely and vividly. People crowded around my computer screen, which had been one of the few that had managed to refresh the BBC News Homepage during the surge of Internet traffic following the first tower of the World Trade Center being struck.

We made our way up to the trading floor, where they had TV, and we gasped as the second plane struck, and truth was immediately obvious - that this was a deliberate attack on the World Trade Center - fear spread throughout our office and The City. We believed planes were headed for Tower 42 and 1 Canada Square. We made our way home quietly, afraid, whereupon I had to buy a TV. I remember standing in the shop, just watching the footage over and over, transfixed with horror. We were frightened and saddened for the American people, and for ourselves too. Human suffering defies borders, defies race prejudice, defies class divides.

In early summer 2005, I started working for a U.S. Investment Bank and relocated to the South Coast of the UK. On the 7th of July, London was hit by 4 bombs on public transport. Before I relocated, I could walk to work from Angel to The City, but when my office had been relocated to Canary Wharf in 2003, I used to take the tube every day. On that particular day, one of the bombs detonated when the tube was right underneath where I used to work, in between Liverpool Street and Aldgate East.

I can barely imagine the horror of living, working or having friends and relatives on Manhattan Island on 9/11,  but in the UK the emotional connection spread as fast as the images were transmitted around the globe. On 7/7 there was chaos and confusion. I remember the phone network not being able to cope with the volume of calls and SMS messages, as we all reached out to one another to check we were OK. Nobody knew what was going on.

The images of the towers falling, and the dust cloud engulfing a city, will always be etched in our memories. Despite not being an American or having any direct connection with New York, I hope it does not seem churlish to say that I am symapthetic with the plight of those who were more directly involved in the events of either 9/11 or 7/7, and also have basic human fear and life-preservation instincts, that make me a little more fearful than I would care to admit to a terrorist, on the prospect of working in my 42-floor office with 12,000 souls, even 14 years later.

Somebody took a giant dump outside my office recently, as a non-violent protest about banking ruining the global econonmy, presumably. If somebody is angry enough to drop their trousers and curl one out, right in front of the security guards and CCTV, then I think there is still a large body of people who are pretty unhappy with those 'fat cats', still.

This is not at all about me. This is meant to be a message of sympathy, empathy, respect and common understanding, that we have all shared experiences of terrorism, and they are real and affect us all, in some way.

Condolences to all the families who lost loved ones on this day.

Tags: #london #career #banking #terrorism #capitalism #civildisobedience

This is a story of personal development, mistakes and unanswerable questions...

I wrote something on the platform of King's Cross, doing the minimum necessary research, all from my smartphone. It wasn't me being smart, or my phone, but the programmers, engineers, physicists, philosophers and authors of all the content, who selflessly published into the public domain, via the Internet, which enabled me to do this.

Of course, there had to be a seed too. That seed was Oxford, and the academic sons & daughters who attended state comprehensive during my childhood, including Ben Werdmüller (CEO of Known, where you are reading this post) who taught me how to program a computer and not just use it for consuming video games. Technology then became both my means of consumption for literature (e.g. Cornell University's ArXiv library) but also low-fi tech, such as the Microfiche film I used to view the first photographs of the Middle East, at St Anthony's College, Oxford Univesity.

Ben's father, Oscar, was at St. Anthony's, with my mother, Gillian. This connection has serendipitously given me a career, a love of photography and an appreciation for the physical books, photographs and human relationships, which can be obfuscated by computer screens and Microfiche viewers. Oscar & Ben also inspired in me a love of sport and teamwork, which is only coming to the fore in the 36th year of my life. Debbie, Ben & Hannah inspired in me a love of writing, drawing and creativity that would normally have been stifiled by my move into a technical industry.

The Werdmüller/Monas family's book of drawings by the children - Ben & Hannah - was one of the most precious objects I have ever had the priviledge of handling. Now my own mum looks after priceless manuscripts and first editions of every book ever printed, for the Bodleian Library, Oxford University. These connections are easy to overlook, if you hadn't lived 36 years in my shoes, which is understandable. We all have our own outlook. We are all independent and unique observers in the Universe.

Thanks to a great piece of writing by Ben, it dawned on me that what I do with my 'head start' in computing is often indistinguishable from magic for the vast majority of people, who are playing catch up. Ego and humility always duke it out in my brain, depending on whether I consider my own unique experiences and opportunities, or whether I compare myself to an 'average' set of experiences and opportunities.

So are ordinary people able to stay abreast of developments in theories pertaining to the fundamental nature of reality? Can a kid from a state comprehensive school read and understand the literature that is published in books and academic papers? The jury's out, but I can highly recommend J S Bell's Speakable and Unspeakable in Quantum Mechanics for anybody who would like to read about the probability of a Physics PhD's socks being of different colours.

In the interests of my own reputation... I don't think I've 'solved' or 'discovered' anything. Just a curious mind.

Nick Grant repeating the classic "Quantum Eraser" interferometry experiment with a laser and polarising filter, at the Cavendish Laboratory, Cambridge, UK (July 2011)

Tags: #physics #parents #oxford #childhood