This is a story about the doors of perception...

So I radically altered my appearance for over a month. I went from being the suit wearing IT Consultant working on the number one project in the biggest bank in Europe (HSBC) to being the crazy suicidal mental patient guy with a moustache and a tattoo. That how I roll [on the floor laughing].

Self sabotage and self mutilation are strange things to do, but then so is suicide. They are symptoms of a very sick society. It is no measure of health to be well adjusted to a broken system. There can be no pride or honour in being able to turn a blind eye to wrongdoing.

I knew what I was doing. I could have held back. I could have buried my feelings and kept my mouth shut. I could have bitten my tongue. However, things have been eating away inside of me, like acid dissolving the container it's kept in. It was time to vent some toxic gas.

This is all a rather extreme form of bridge burning. I'm really pretty sickened by what global banking and corporate culture is doing to the world and I want to do the right thing. I want to whistleblow on all the life-wrecking and economy destroying corrupt bullshit that I have had to endure.

It's not going to do me any favours, it's not going to make me any friends, it's not going to make me rich, famous or popular, but it has to be done. Somebody has to stand up, be counted, and do the damn right thing. It's going to hurt me, a lot.

Is this some personal grievance? Well I wouldn't be so passionate if it wasn't personal, but it's not personal in the way that you probably assume that it is. I was a Griffin Saver with Midland Bank since I was a little boy, and I've always loved HSBC and I was so proud to start work for them, age 21. Later, in 2003, I was amongst the first 8,000 people to work in the prestigious 8 Canada Square... headquarters of the HSBC Group Plc, which employs 245,000 people worldwide.

If you look after me, I will look after you. Actually I tend to do things the other way around. I will look after you on the assumption that once I have proven to you - beyond all reasonable doubt - that I am adding value to your organisation, you will look after me, to some extent. Sadly, the way the system works is to try and get blood out of the proverbial stone.

Yes, the employees of global banks are driven very hard indeed, but they share so little of the reward, in terms of the wealth that they generate for their masters. The customers of global banking pay huge sums of money for financial services, but it's them who still toil all hours to service their debts, rather than being enriched by the products they are sold.

Consumers are being sold a lie. They are being told that products and services will make them happier, richer, more attractive, more successful. The truth is that the only people who will get rich are those who own and operate the pyramid schemes. There simply aren't enough pay rises and promotions for you to be able to reach the rungs on the ladder where you will be able to see your kids and sleep at night... you're going to be stuck on that treadmill for the rest of your life, sorry.

It's not market economics that is broken. The markets really are efficient. However, they are not free from political influence. They are also not immune from manipulation by exceedingly wealthy individuals and institutions. Here's how it works...

Imagine if I were to buy all the insulin producing factories. Building a factory takes quite a long time. During the time that I own and operate a monopoly on insulin production, and the time that a competitor could enter the market that I have monopolised, the demand for insulin is going to remain constant, because diabetics don't want to die. So, if I am in control of the supply, and I know that demand is constant, then I can demand practically whatever price I want. That's market economics.

We see artificial scarcity created through cartels in many industries. Diamonds are only worth as much as they are on the markets because the De Beers family has such a large monopoly that they can control the amount of diamonds supplied to the market. Oil is only worth as much as it is because the Organization of the Petroleum Exporting Countries (OPEC) can artificially control supply in order to maintain high prices. They are quite open about their monopoly, their cartel.

So you can't eat diamonds or money, but we do need energy. Money is the way that energy is swapped for goods and services, like food. It's easier to grow more food or make more goods, using energy that has been generated from a power station, rather than by manpower. Welcome to the industrial revolution.

Technology has made vast efficiency gains in terms of being able to move money around to get it to where it can work most effectively, but it doesn't mean that the system can't be gamed. In fact the whole financial system is a giant game. We need to remember that it's simply a way of keeping score and deciding who - as a person - is somehow 'worth' more than another, using some arbitrary measure.

That's right isn't it? The people in the West are 'worth' a lot more than the people in the developing world. Because they have more zeros on the end of a computer system that is keeping score, they get to have all the food, shelter, medicine, education, transport etc. and everybody else is a worthless slave. The human lives in the developing world are clearly not worth anything because their electronic bank balance is as good as zero, if not negative.

You can quite clearly see from the image above, who the superior being is. Yes, it's the one with the biggest bank balance in the global casino. They're the winner. Gold medal for them, hurrah!

Actually, huge numbers of people in the developing world have been saddled with debt that they didn't even agree to. Their nation's leaders signed away their natural resources, signed huge loan agreements to pay for some multinational to come and bleed the wealth, and then mortgaged every man, woman and child to pay for it all. That's really not acceptable.

When the people inside that country get a bit p1ssed off that their leaders have sold them down the river, then the developed nations can sell a bunch of guns, tanks, artillery and warplanes to keep their people in check. It's the gift that keeps on giving.

Oh, and when the people have really had enough, then it's time to bomb all the roads, bridges, schools, hospitals, power stations, sewerage plants, factories etc. etc. so that they have to have the developed nations come and rebuild it all again using yet more lovely lovely loans.

Yes, economic slavery is the New World Order. Yes, you might not see people in physical chains toiling in the plantations in your actual country, but somebody still has to grow your sugar, wheat, cotton, coffee etc. etc. Did you grow it yourself? Did you see where it was grown? Do you know anything about the life of the people who grew your food?

We're all rather busy in our wanky make-work jobs, feeling all high powered in a suit in a swanky glass & steel office, pressing buttons in the lift and doing the photocopying... great, but how many meals does it put on the table? Has it stopped war and human suffering? Has it stopped the spread of preventable disease? Has it saved the life of sick people?

I'm fed up of being shouted down by people with vested interests. I just wanted to do the right thing at HSBC and I got muscled out for escalating my concerns in line with my moral duty and legal responsibility to the shareholders and customers. I actually wanted to try and save jobs too.

So this is a call to action that is not some viral marketing, psychologically A-B tested, clickbait horseshit spam scam. This is not some pump and dump. This is not me grinding an axe because of a personal grievance. This is about the big picture and a sickness on all our souls, if you are part of the perpetration of the economic enslavement of the developing world.

In actual fact, the wrongdoing extends to your own doorstep. Somebody you know is in distress because of consumer lending. Their life and livelihood is under threat because they were told to borrow, borrow, borrow! Buy now, pay later! 12 months interest free credit! Low rates! Consume consume consume!

The whole ponzi scheme is set up to get people paid out by suckering other people in. Sure, my life looks fantastic with my riverside apartment, and of course I've had cars and boats and luxury holidays and hot tubs and flat screen TVs and Macbooks and iPhones and gadgets and technology galore. It doesn't make you happy, and eventually you realise the human cost. You wake up and smell the coffee.

So, as Nicholas "Mr Ethical" Wilson (@nw_nicholas) says:

I have been radicalised by HSBC/Tory fraud & corruption

Yup, I woke up one day and realised I couldn't carry on being part of something I knew was wrong, from the depths of my experience in my 19 year career as an IT consultant to global banks. It made me very sick to be living with such internal conflict. It made me upset to see talented professionals being completely ignored.

You can't buy me. You can pay for my opinion, but you don't get to choose what my opinion is. I will give you my opinion based on my experience and an objective analysis of all the evidence that I can gather. If you don't like that opinion, it's not up for debate, unless you are qualified to contest what I'm saying.

So my approach is very unorthodox, but the orthodoxy led us to the brink of economic armageddon, so why should I conduct myself in a manner which is clearly misconduct? Only an idiot expects to see different results each time they do the same thing. The only reason to play by the old rules is to protect the old system, but that system has failed.

Thankfully, there are all these motivational posters around HSBC telling you what to do if your manager isn't listening and the number one project is going down the shitter. If you're a consultant, you're specifically paid for your expert opinion... and very highly paid too. Lots and lots of shareholder money is being spent on the number one project in the biggest bank in Europe (HSBC) unsurprisingly.

So, what happens if you do speak up? Well, I'm not giving out any prizes for correct guesses.

But maybe my contribution just wasn't valued? Maybe I wasn't pulling my weight in the team? Maybe I have too much of a high opinion of my expertise?

The email from the HSBC CIO in charge of the number one project in the biggest bank in Europe reads as follows:

"I cannot thank you enough for the work you have put into this and for your commitment"

So, I'm a little bit confused. The Programme Director also told me, in front of loads of people, that he was really happy with my work... shortly before I was sacked. Curious, oh so very curious.

Anyway, I've got no mandate, no authority to communicate these things, so I'm just going to wait and see what happens. Let's see what happens with the Deferred Prosecution Agreement (DPA) and whether the US Department of Justice is satisfied with the naughty banks who have managed to allegedly commit crimes but not been prosecuted for them.

Good luck, I say to them. Like I say, I've been a Griffin Saver with Midland Bank/HSBC since I was a little boy. I'm very loyal.

Merry Christmas!

Tags: #banking #career #london #it #capitalism #politics #hsbc

This is a story about burying your head in the sand...

The gravy train has left the station. The party's over. The song has stopped. If you haven't got a place to sit you're out of the game of musical chairs.

The middle classes have been very busy playing musical chairs with their make-work jobs in bloated service industries that contribute nothing to the real economy. Meanwhile, in the real world, climate change and poverty have been largely ignored.

Sadly, a large swathe of older middle class people are very lazy. They sit at home in their big houses, watching TV, reading newspapers and criticising everything, but never lifting a finger to do anything. Many don't even vote or destroy their ballot paper.

Today, at the climate change march held in London, I saw many grandparents who are very concerned about the world that is going to be left for their grandkids. Sadly, my parents have no concern for their children or grandkids. You can't make a difference to the world by sitting around taking drugs, sorry Mum & Dad... the world doesn't work like that.

My parents have sucked a great deal of money out of the state to pay for illnesses relating to their abuse of alcohol, drugs and smoking, but they give so little back. It's really embarrassing. When they were contacted because I was in hospital with a 30% chance of surviving, they decided to wait for the call from the coroner... they decided it wasn't worth the 45 minutes or so to travel from Oxford to London Paddington.

Okay, so I'm not doing a great job of changing the direction of my writing yet. I'm trying to move it from the angry rants into some more positive stuff, and finishing my own story. However, I had to deal with my parents earlier in the week, and I just found it incredible that they would sit there and tell me that London is too far for them to visit a gravely ill son or daughter in hospital. Today I saw many thousands of pensioners who are far older and in much worse health than them, out in the wind & rain, protesting against man made climate change.

My parents live not far from David Cameron's constituency home, and I think that they epitomise the Conservative mindset of out of sight, out of mind. Because these ridiculously selfish people never actually see suffering and pain first hand, they can smugly sit there in their multi-million pound Cotswold houses and do nothing except criticise the victims of the world's cruelty.

That's an injury that was inflicted on me by my own father. He seemed to think that treating his own son like a human was somehow optional, and it was OK to perpetrate an act of savagery against me. I really don't think there could ever be any justification or reasonable explanation for somebody of sound body and mind doing something like that to a person, so I'm not even going to go into the circumstances surrounding it. I'm totally appalled by the way that my parents speak to me and treat me, and the things that they have done to me. I'm over it. They're pretty much dead to me.

There's a simple formula for looking after a human life: be kind. That's it. It's not hard. If you're hitting humans, abusing them, telling them they're bad, calling them names, criticising and undermining them, humiliating them and generally robbing them of self esteem, disrespecting them and treating them like utter shit... yeah, that's not good. That's probably going to fuck them up.

The National Health Service (NHS) was kind to me. After I bandaged up my leg with sanitary towels and a dressing gown cord, I came back to London. The Royal Free Hospital repaired 4 tendons and 2 nerves in my leg, so I could move it and have feeling again. God bless the NHS.

I've always looked after myself and it's ironic that the first time I needed an operation is because my own parent attacked me. My dad has actually had to have a few operations because of his poor lifestyle choices. Drinking and smoking and taking drugs f**ks up your body and it's the NHS who have to pick up the pieces.

It's better to build happy healthy children than to try and fix f**ked up adults. Surely it seems to make more sense to hug your kids and make them feel loved and cherished, to look after them, rather than just dump them on the state? I don't believe in this difficult child horse-shit. Kids respond to their upbringing. Be nice, and your kids will be nice too. It's that simple.

I've been trying to get all of my travelling and entrepreneurial ambitions out of my system, and I know that drug-taking in front of children is a complete no-go. I have even delayed fatherhood while I figure out what's going on with my mental health. I take the responsibility of parenthood very seriously. If you don't alter your lifestyle at all for your children, you're a terrible person.

So my friend Klaus keeps reminding me that "your wound is your gift" and I think he's right. I look at the huge scar on my leg, and I'm reminded just how toxic even my own parents could be, and that I need to be kind and compassionate and work hard for the benefit of humanity. I'm reminded just how irrelevant such terrible people are in my life, in the lives of the ordinary people of the world and in the future of the planet.

Such horrible selfish people need to be outed from their positions as moral authorities, and stopped from gaining any kind of political influence. If you don't have empathy, kindness, compassion... what the hell are you doing having any influence over children and grandchildren? You don't deserve anything more than to sit and rot in your home in lonely misery.

So where is my own empathy, compassion? Well, I'm very beaten down, but when my parents are eventually as weakened and old as the oldest and weakest member of the climate change march that I saw today, then perhaps I will approach them again with the olive branch of peace. Until then, they are far too vicious and cruel and ignorant and horrible to be approached. Let them stew in isolation for fear that their toxic ideas might permeate.

I'm very jealous of friends who have good relationships with their parents. I would like to have a loving, caring family with close ties between us all, but my parents are so toxic that they have poisoned many of the relationships between our family members. They spend a lot of time cultivating their woe betide me tales of their own suffering. Yes, it's called karma. If you drink and smoke and take drugs and treat your kids like shit, then you'll be sick and miserable and you'll deserve it.

Weirdly, I do still love my parents. I guess this recurrent feeling of feeling unconditional love for somebody who treats you like shit could be the basis for a mood disorder. Always trying hard to please a parent, and receiving an unpredictable response dependent on their state of intoxication with drugs or alcohol can create a lot of uncertainty in a child's life. It can shape a personality into one that has issues with boundaries and healthy forms of self-expression.

Communicating my distress via a blog looks like really strange behaviour, but believe me, I've tried all the other ways, and the above scar is my reminder that the result is never good. I had successfully managed to keep my parents at arms length for many years, much to the benefit of my health and happiness, but sadly my ex-wife managed to screw that up with some kind of bullshit story that brought my dad and his heavy-handed aggression, violence and woeful ignorance into play, with disastrous results for me.

When your back is against the wall, when you're cornered, when there is a lynching mob out for your blood, whipped into a frenzy with lies and ignorance... you have to resort to unusual tactics if you want to survive. I'm not really sure if I want to survive. I'm very exhausted by death by a thousand cuts, and everybody wants to put the boot in. However, unfortunately the survival instinct seems to prevail even though I'd love to just curl up and die.

So, I'm lashing out again. Sorry about that. Maybe you shouldn't corner and cruelly torture somebody who has been so badly beaten and bruised. They say that an injured animal is the most dangerous.

I'm trying to redirect my energy into more positive things though. I'm trying to be heard again, not in the hope of saving myself, but in the hope that somebody else who's in a similarly dark place can see that they're not alone. I'm hoping that somebody else who's going through hell might read my story and feel a little bit less alone in the world. I'm hoping that anybody who can relate, feels a little bit less like an unwanted freak.

I'm going to continue on my path of brutal honesty. I'm not out to name & shame anybody. This is my unedited story. There's a lot more to come, and a lot of it is going to be shameful and embarrassing for me, but I'm going to tell it anyway. I'm going to tell it because it needs to be told. People need to know what happens when you bully and abuse somebody. People need to know what happens when you repress and oppress and humiliate and exclude and destroy self-esteem and take away somebody's hope and reason for living.

I also want to try and keep going on a positive path of recovery, and discover if there's a path back to happiness and light. If the story has a message of hope in it that is emerging, that's a good thing. It might help somebody else who's going through hell, and then it was worthwhile me sharing and facing my fears of ridicule and shame.

I'm trying to do good deeds.

You can take the boy out of Oxford, but you can't take the Oxford out of the boy (November 2015)

Tags: #politics #parents #childhood #london #nhs #injury

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