banking – Page 5 – Nick Grant

Nick Grant

Tag: banking

  • People Like Us

    This is a story about being price insensitive…

    Bank of England

    There is a desperation, a lack of ideas, a disillusionment with politics, the status quo, the instruments of government and civilised society, when people vote to bite the hand that feeds them.

    However, we can’t ignore the obvious message: people are pissed off.

    Voting to leave the EU is clearly an own goal, an act of spite, made out of petulant frustration, a temper tantrum because people are not getting their own way. However, isn’t the country supposed to be run for the benefit of the majority of the population? Doesn’t this act of madness seem predictable, when clearly the powers that are supposed to represent the common person, actually represent the moneyed elite?

    With no ability to vote a party into power who represent your interests, and with no ability to be able to influence policymaking to actually improve your day-to-day life, why wouldn’t you seek to exercise whatever control you can, to express your distress, your unhappiness, your frustration?

    We ask people to work longer hours, accept pay cuts in real terms, have less job security, no pension, no chance of buying their own home, no chance for their kids to go to University or better themselves… no hope. And for what? So that there can be another quarter of profit increase, just as the City analysts expect? So that some number on a spreadsheet can continue to grow… no matter how arbitrary.

    80% of our economy is in the service sector, but over 60% of people are unhappy in their jobs, even though the working conditions look fantastic, compared with manual labour in a polluted industrial town, with its brick terraces caked in soot. Why on earth would people hanker after an era when we died younger, due to hard, physical work?

    Well, those who run the economic engine of the country have completely misread the mood of the public. Highly remunerated professionals in London think nothing of spunking £6 for a pint of strong European beer and £30 going to a ‘secret’ cinema screening, where there’s some gimmick like sitting in a hot tub on a rooftop.

    There is a huge insular community of well-spoken, privately educated, fresh-faced young people, working in law, accountancy, management consultancy, finance, insurance, politics. These people are the entourage for a group of portly ruddy-faced men, who live in large houses in the London commuter belt. Between them, the lives of every single citizen of the United Kingdom are ruled, except they’re completely clueless as to how ordinary people live.

    Economists talk about how price insensitive people are. I literally don’t care whether my coffee is £2.50 or £4.90. I just tap my contactless payment card, and walk out of the cafe with my hipster flat white. I literally don’t care whether my lunch costs £5 or £10. I just go to whichever vendor I fancy on a particular day. I literally don’t care that it costs more to travel on the Underground than on the bus. I just tap my card on the ticket barrier, and don’t even look at my balance.

    Everybody who decides how your daily life is improved, or worsened, is more concerned about where they’re going skiing this year with their other young professional chums, than whether somebody on some shitty council estate can afford a box of fags.

    Yes, Londoners think of themselves as cultured, urbane, sophisticated. Sadly, they also think they’re somewhat in touch with the working classes, because they rub shoulders with people from all walks of life, as they travel into the city to clean toilets and wait tables. However, sharing the same streets does not equate to co-existence.

    I used to live on a street in Islington, where the grand Georgian houses were worth many millions on pounds. One street away, there was a lot of social housing. You’d think that this is an example of an integrated society, but you’d be amazed at how people living in such close quarters are so successfully able to avoid each other.

    While I used to dine in the restaurants of Upper Street, mixing with other City Boys, my fellow residents would head the other way, towards Hackney, where there were cheaper places to buy food, and the kinds of places I would never dream of entering: betting shops, pawnshops, low-quality takeaways.

    Today is the starkest warning of where our society is headed: a two-tier system, where the ‘haves‘ are living in a different world from the ‘have nots‘.

    While those who wish to divide and rule have cleverly manipulated people’s fears for political ends, this ignores the fact that the wealthy are busy stuffing the mattress with the working class’ hard-earned cash.

    When people realise they’ve been conned, there’s going to be hell to pay.

     

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  • Everybody’s Got to Work

    This is a story about working class heroes…

    White van man

    What could be more symbolic of the ordinary working Englishman, than the white van driver? What embodies the British working class more than a beer-gutted builder, wolf whistling at a pretty girl in the street, from the vantage point of their scaffolding? What could be more patriotic than the colours of the St George’s flag, and a rioting football hooligan, swilling lager while chanting racial abuse?

    Oneupmanship is rife, even when people are talking about reverse snobbery. People say to me “everybody’s got to work” as if they’re some kind of class hero, some kind of fucking Victorian chimney sweep. They see themselves as hardworking, and everybody else as angst-filled spoiled brats.

    But, this is stupidity, plain and simple.

    The fact of the matter is, people don’t have to work. There is enough wealth, that if it was all shared out, we’d have over $200,000 each, so a family of 2 adults and 3 kids would have a million dollars. That’s enough to live for 548 years, in the developing world.

    In actual fact, we have been programmed – brainwashed – to believe that what we do is productive and useful and necessary. Somehow, the world’s going to come to an end without those sales forecasts. Somehow, everybody’s going to die if you don’t fill in your timesheet. Somehow, all the crops are going to fail if you don’t sell any insurance policies today.

    I was watching a documentary about legal highs last night, and the film-maker asked a guy who was manufacturing and selling legal drugs how he could live with himself, knowing that he was fuelling people’s addictions: “everyone’s gotta work” he said.

    I worked for a weapons manufacturer, as my first job after college. If you don’t think to yourself “what is the negative impact on the world of what I do?” then you’re a fucking idiot. You can’t hide behind “everyone’s got to work“.

    “I was just following orders” is the equivalent of “everyone’s got to work“. Being a guard in a concentration camp, or an officer of an army committing a genocide… those things are jobs, and everyone’s got to work, apparently. It’s pathetic. You can’t hide behind a justification like that.

    Anyone who says I’m lazy is going to get a boot up their fucking arse. I’ve founded multiple businesses and worked 100+ hour weeks, in a non-stop career that hasn’t included any breaks, any gap years, any sitting around reading fucking books. I’ve been in full-time education and employment since I was out of fucking nappies. Fuck off. Fuck all the way off.

    What I’m talking about is conscientious objection. Yes, we normally associate that with people who refuse to do a government’s killing for them. However, the way that wars are waged nowadays is not with boots on the ground, but in boardrooms, stock markets and with foreign currency trades.

    There’s an arms race, where multinational corporations have enslaved the world. If I have an economic monopoly, because I have used my stock price in order to acquire all my competitors, I obviously control the labour market as well the ability to manipulate prices.

    I can buy a pair of jeans from Primark for £7. How is that possible? Somebody still has to pick the cotton. Somebody still has to operate the sewing machine. We haven’t entered a robotic futuristic world yet.

    Automated factory

    Here’s a picture of the very moment that I broke down, and became so depressed that I could no longer work. This is the West’s lie, their fantasy, their trick. This is a robotic distribution centre, where goods are distributed to stores, for your consumption. This is what we believe is the reality of progress, and innovation.

    However, somebody still has to pick the cotton. It might feel like we’re arrived in a futuristic utopia, but the reality is that simply the shitty jobs have mostly been offshored. When I decided I wanted to be an electrician, it’s because somebody in a callcentre in India can’t clamber down the phone line and come and fix your lights.

    The lack of a tangible reality, in almost everything I did as a software engineer, really started to fuck me up. Where’s the physical proof that something I did was useful to humanity? In actual fact, I had proof of quite the opposite, having been right at the very heart of the credit crunch during 2007/2008.

    Turning on each other and saying crap like “get a job” and “everybody’s gotta work” is such utter bullshit. People who have become depressed and can’t work have got it right. Propping up a system that enslaves most of humanity is total horseshit. You damn well should be depressed about your crappy job that ignores the blatant crime of economic imperialism. It is unconscionable.

    We are now living in such a highly-leveraged society, that nobody can take their foot off the gas pedal. People have skin in the game – kids – so they think they have to keep servicing their debts, paying their rent/mortgage, working their crappy job. People mistakenly believe that work will set them free. Work will not set you free – you toil for your own demise.

    The worship of corporate profits means that people must work longer hours for less money, in real terms. Wage inflation is rock bottom, and that means that your wealth is inflated away. The cost of goods, services, housing, food… all these things have massively increased, but average wages have barely budged.

    The brainwashed massses are now fighting with one another. Instead of being pleased that your co-worker got that promotion, we think “it should have been me“. We think “I could do what they do” and secretly hope that our peers are just as downtrodden as us, just as hard-up. There is jealousy, resentment.

    The crabs in the bucket are pulling each other back down into their prison, whenever one of them is close to escape. The working public are crawling all over each other, in a seething mass of claws and excrement at the bottom of a plastic bucket, just waiting for the day that they’re tossed into a pan of boiling water.

    The government encourages us to report benefit cheats and other victimless crime. We are taught to bully and abuse people who don’t work. We are brainwashed into thinking we’re some kind of fucking hero, for working a shit job that does nothing except perpetuate human misery and further compound global problems.

    Have a kid, get a dog. Try to pretend you’re really important. Well done. Gold star. You worked your job, without giving a shit about what it really fucking means.

    Indian slum

    This is the reality of how your cotton pickers and callcentre staff get to work. This is the future. This is what you don’t see, as a consequence of “everyone needs to work” and feeling smug about what a hard little worker you are.

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  • Bored to Death

    This is a story about jobs for the boys…

    Lift selfie

    Do you feel like you earn your salary? What is it that makes you think you’re worth your wages? How do you value your contribution?

    If you work a physical job, you’re likely to feel pretty exhausted at the end of the day. Maybe your feet hurt, your back, your muscles. Perhaps you judge your working day based on how much energy you’ve expended. Perhaps your job involves standing up, walking around, even running around. Perhaps your job involves lifting, stacking, moving, shifting. Can your value therefore be considered a function of how many things you physically move? For example: boxes of stuff from the storeroom, products on shelves, patients from beds, or children from perilous situations.

    Maybe you work an academic job, or something you have to be highly qualified for. Perhaps you judge your working day based on how hard you worked in the past. You maybe had to really concentrate at school and do all your homework. Perhaps you had to go to University and at least turn up for some of the lectures. You’re probably pretty pleased with yourself that you beat the competition to those limited places, and got the necessary grades. Can your value be considered a function of how stressful your exams were, and how hard it was to write your disseration, your thesis?

    Maybe you work a high pressure job, something you really have to concentrate on. Perhaps you have no time to judge your day, because you’re just so busy that you don’t have time to think about it. You maybe have to take sales calls all day long to meet your targets. You’re always talking to people. Or maybe you have to watch a computer screen all day, like a stock-market trader or an air-traffic controller. Can your value be considered a function of your ability to concentrate, and keep busy with the task in hand for the whole working day?

    Maybe you work a caring job, or something that delivers service directly to people. Perhaps you judge your working day based on how many people you deliver satisfactory outcomes for. Perhaps you have had to work on a caring bedside manner. Perhaps you have had to develop diplomatic skills for dealing with people. Can your value be considered to be a function of how many smiles you get each day, how many thank yous?

    Maybe you work a repetitive job, or something that requires very little problem solving. Perhaps you have plenty of time to think and it’s quite clear what needs to be done, but there are only a limited number of hours in the day. Perhaps you enter data in spreadsheets. Perhaps you type the answers that are written down on forms. Perhaps you work on a factory production line. Perhaps you deliver widgets. Can your value be considered a function of how many of these repetitive functions you can perform in a fixed period of time? Do you take pride in the tiny efficiency gains you can make in a job that has been easily mastered?

    Maybe your job is to educate, inform, inspire, entertain. Your job is to titillate the attentions of other people. Your job is to spoon feed culture to the masses. Perhaps you had wide-eyed ambitions about bringing song and dance to the people. Perhaps you thought you were going to be a war journalist. Perhaps you thought you were going to set the minds of young people alight. Can your value be considered a function of your reach, your influence? Do you know how many followers you have? How many viewers? How many readers? How many listeners?

    Skyline

    But what happens when your purpose is cloudy, unclear? What happens when you can’t see what difference you’re making, either to other people or to yourself?

    Why do you do what you do? Is it possible to work a job, just because it puts food on the table and shoes on the children? Is it possible to work a job just because?

    Everybody needs to work, right? But what if your job is makework? What if your job is made up, just to justify the salary of your manager, who has to have a certain headcount in order to get their promotion? What if your whole industry can’t justify its existence? What if everything that your company does, and companies like it, is completely superfluous to human existence?

    What do we need? Food, water, shelter, warmth, social bonds. Where does insurance fit in that world? Where does a law firm fit? Where does a bank fit? Where do technology companies fit?

    If you woke up tomorrow, and your company didn’t exist, and neither did any of its competitors, would the human race keel over and die? If you work for an agricultural business, then quite possibly. We need grains, we need vegetables. If you work for an accountancy firm, I think we’ll all be just fine.

    I’ve got nothing against the people who work in the service sector per se but should we value those industries more than, say, fishing, farming, building & caring?

    Do you think I give a shit about the protection of intellectual property rights of a wealthy corporation? Do you think that I respect the instruments of capitalism as an efficient means to do more with less?

    Fundamentally, how many people are living miserably? We might point to increases in life expectancy as an indicator of progress, but what if those lives are filled with stress, anxiety, depression? What if those lives are miserable and isolated, unfulfilled, unhappy?

    Official statistics say that more than 1 in 4 of us are battling mental health problems. In truth, the real number must be much higher, because there are so many people who have undiagnosed problems. We know from suicide rates and prescriptions of psychiatric medications – such as antidepressants and anti-anxiety drugs – that problems are growing at an alarming rate.

    There’s a direct correlation between my lack of job satisfaction, and my poor mental health. When I’ve been happy in my job, I’ve been overworked. When I’ve stopped to think about what I’ve been doing, I’ve realised that I’ve been building systems that perpetuate human misery.

    It’s said that for every 1% that unemployment increases, over 40,000 people will commit suicide. I built a system for JPMorgan that processed the equivalent of $163,000 for every man, woman and child on the planet, in Credit Default Swaps. You think that money is better off locked up in the banking system rather than being in people’s pockets?

    If I’m building banking systems that process $37 million a second, why the hell are people living in poverty? Why the hell has the National Health Service got to be left underfunded? Why the hell is science underfunded? Why the hell have I got to work a crappy job that I hate, in order to make thousands of people redundant?

    Rational self-interest, and the philosophy of Ayn Rand has led us down a very dark path. It’s actually in our rational self-interest to smash the systems that take us on a race to the bottom.

    Perhaps it’s time to throw our clogs into the loom?

    Yacht boy

    You think that you want an A-list celebrity life, with all the trimmings and bling. However, collectively wanting this is leading us all down a path that makes humanity miserable, depressed, stressed, anxious, lonely and isolated.

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  • Paper Trail

    This is a story about covering your ass…

    Box files

    If I was to mention the name of the project I’m working on and the name of my client, I would be picked up by paranoid people doing web searches. It’s already happened to one of my colleagues. Naturally, I don’t want to draw attention to the ups and downs that I’ve documented here, as I need the contract more than anybody realises.

    The sensible thing to do would maybe be to take this site down, for fear of losing my income. However, nobody really does the sensible thing in their adult life. It looks to me like adults do reckless stuff and then live in fear, trying to protect their selfish crappy little lives. It looks to me like nobody does the sensible thing.

    The sensible thing to do is not to have kids, not to perpetuate the misery and suffering, not to prop up capitalism and ecological destruction, warfare. The sensible thing to do is not to legitimise imperial aggression, by demanding that politicians protect our way of life. The sensible thing to do is to say “enough” and put down your tools and go on strike, in protest over the collision course with disaster that we are all collectively taking.

    I’m not sure how my views are going to change, as I start to get a little bit more comfortable. By the end of the week, the wolf won’t be at the door anymore. I’m going to have a lot of pressure and stress hanging around for 6 months, at least, and it’ll take another 6 months before I have some kind of safety cushion. The litmus test is what I do once I have some kind of warchest again.

    When I wrote about HSBC and the Customer Due Diligence project, I hadn’t dug myself out of the hole, but I had been completely exhausted by the demands that had been placed on me. I’ve been an IT professional for 20 years, so I know how projects go, and I know how to blend into the corporate background and not make waves. I know how to kiss ass, I know that people don’t want loose cannons and they want an easy life. However, it was an important project and I had something to contribute. I also couldn’t live with my conscience if I didn’t act during another banking stitch-up, having been near to ground zero during the credit crunch.

    Now I have an early contract termination and probably a lack of decent reference to explain away, as something that I worry about. I’m pleased that I acted with integrity and ethics, but it’s definitely me that suffered most of all. I martyred myself for no benefit to anybody, probably.

    Why make yourself a martyr? Why make life harder for yourself than it needs to be? Why rock the boat? Well, it’s simple: somebody has to be first.

    I was told to wind my neck in, keep a low profile, not stick my head above the parapet. Of course I knew it was good advice – on a personal level – but I knew exactly what I was doing. Somebody has to be brave. Somebody has to take a stand, and push back. Somebody’s got to raise their voice.

    I hate the collective madness. There’s no safety in numbers, when your whole flock goes running off the edge of the cliff.

     

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  • Debt Write-Off

    This is a story about the collapse of civilisation…

    Precariat

    What is it that causes empires to collapse? Why have fascinating ancient civilisations crumbled into ruins? Well, one prevailing theory seems to be that these societies failed to forgive debts, before there was a popular uprising.

    There’s a disrespect for working people that’s highly prevalent in the world. We have a patronising attitude towards people who get themselves in heaps of credit card debt, or take out mortgages that they can’t afford. We seem to assume that the when loans go bad, it’s is somehow the fault of the borrowers.

    In actual fact, having sat in on phonecalls with many people who are in a distressed debt situation, they did nothing more than try to make ends meet and have a lifestyle that should be considered completely normal in a developed Western country.

    Most people who’ve got into a debt-spiral did so because there’s no way to legitimately dig their way out of the hole. They already work the maximum hours that they’re able to, but yet their earning potential has maxed out. When the car breaks down, they have to borrow to meet the shortfall, and this tips them into a downward spiral, because they’ll never be able to find the extra cash, due to punitive interest rates.

    The story is almost always the same. When things start going wrong, people hover up every bit of available credit in order to maintain their perfectly reasonable lifestyle. People still need to replace their clothes, and cheap clothes wear out very quickly. People still need to get to work, and transport costs are significant. People even need to service their addictions. Without tobacco and alcohol, many lives would simply be unbearable. These are not luxuries, and people are not profligate for expecting a minimum standard of living.

    If you look at the kind of savings you can make by economising and shopping around, it’s fairly depressing. You might be able to save a few pounds by shopping at another supermarket on the other side of town, but what about the extra fuel you burned getting there, and the extra wear & tear on the car? What about the waste of your time, that could have been spent working more hours… if they were offered?

    The fact of the matter is, that in free market economics, prices will find a level that is just about affordable for people on an average wage. If you price things too high, then everybody goes bankrupt and just refuses to work because the game is a stupid one. If you price things too low, then there’s untapped profits and people rise out of poverty and refuse to do shitty jobs anymore. So, things have to be priced just right so that everybody is looking at their bank balance and eking things out to the end of the month, every month, month after month, year after year.

    If you’re a politician, landlord or a businessman, you want to find the price elasticity of demand so that you know how much you can charge as taxes, rent and the price of your products, such that demand is not unduly impacted. You want to charge the maximum tax, maximum rent and maximum price for everything, without people saying “fuck this” in huge numbers. Everything is priced based on the limit of what most people will just about put up with.

    Drug money

    Unfortunately, people get ground down. Working your whole life just to pay taxes and service debts starts to get pretty irritating. People can see that they don’t stand any chance of ever getting ahead in life.

    We can see that there’s a link between poverty and ridiculous dreams. Where people are poor, gambling is popular, and there’s no bigger tax on the poor than a lottery. The lottery is the ultimate con, because it robs the very poorest people of a significant proportion of their income, whilst also giving them false hope that they might one day escape their situation.

    Other ridiculous dreams include becoming a professional athlete, and becoming a famous pop singer or movie star. The number of Premier League footballers and TV celebrities is a piss in the ocean. In percentage terms, you’re more likely to win a lottery or some kind of accumulator bet.

    So many kids these days say that they want to be “famous” but they have no idea what for… singing probably. Vast numbers of people watch singing contests like X-Factor, Pop Idol and The Voice, and unwittingly, they are buying into this fairytale dream that they’re going to be plucked from obscurity and poverty one day, and get to live this A-list celebrity lifestyle that’s rammed down our throats with shows like Made in Chelsea and The Only Way is Essex, let alone Keeping up with the Kardashians.

    Panem et circenses has paved the way for the political class to become ever more powerful, with the proletariat feeling that their vote would make no difference, and their time is better devoted to watching banal wannabe celebrities croon on a television show, as well as spending money to vote on premium rate phone lines.

    Banks are “too big to fail” but the ordinary working person receives no government bailout for their financial woes, when it becomes evident that they can no longer service the debt that they have run up. However, there has been no popular uprising yet, because people are resigned to government and corporate control of their lives.

    For me, the rioting and looting that we saw in the Tottenham and Croydon riots in London is indicative of a huge portion of society who are taunted with expensive consumer goods that they’ll never be able to afford, and offered no jobs or legitimate opportunity, in order to acquire the material things that they desire.

    Debt has been the only way that people have been able to get the celebrity lifestyle that’s rammed down everybody’s throats. All those flashy new cars are on hire purchase. All those gold-plated iPhones are bought with credit cards. All those lovely clothes are purchased on storecards. I don’t think these people are idiots, and I don’t think they’re financially reckless. They’ve been told their whole lives that they’re entitled to these things.

    However, the more that people are denied the things that they’ve been promised – houses, cars, holidays and all the trimmings – the more they’re going to wonder why they should work, only to get deeper and deeper into debt, and to have a miserable life where they’re just counting down to payday, only for their hard-earned cash to be swallowed by rent, debts, transport, food, clothing and other life essentials.

    We are asking too much of our working people, and at some point they’re going to realise that it’s not the immigrants who are to blame, but the ruling class.

    Canada Square

    The party never stopped for the elite. The good times just kept rolling. You can’t prop things up forever, when working people are so unhappy.

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  • Work Will Set You Free

    This is a story about ingratitude…

    Big gates

    Give me liberty, or give me death!

    How do you like living in the free world? Freedom of speech, not that anybody’s even listening and you’ll never get into print. Freedom to work, if you can get a job, and you’ll have to pay exorbitant taxes. Freedom to do what you want, if you’re not dead and have any spare time and energy after working a job until you’re nearly 70 years old. Freedom to buy what you want, except you probably can’t afford it.

    There: that’s the ingratitude part out of the way. Do I actually think like that? Some people think I do. You’ll have to read between the lines to see where I am being self-mocking, humorous, sarcastic and even a little farsical in the interests of courting controversy.

    This talk of death and suicide sounds a little flippant, a little melodramatic, but in actual fact, it’s shaped my mindset.

    I was always impossible to manage, and fearless talking to people of all ranks and status. I refuse to be cowed by credentials and hierarchy. I refuse to know my place.

    If you were to just dip into part of my story, and try to make a knee-jerk assumption about me, you might assume that I think I’m better than other people. You might think I’m an entitled snob, a spoiled little brat. You would have misjudged me, and instead you’ve failed to understand that I’m coming at things from a totally different end of the spectrum.

    I’m not claiming that I’m hard done by and that I’ve made my own luck and worked my way up from the bottom. On closer examination, these claims always prove to be horse-shit. When we look at people who claim to be self-made success stories, the tale is always ridiculous. For starters, many of the ones I’ve encountered came from loving homes in middle-class families, with parents who had a profession, a job for life. There has been financial security and a good education, even if they paint themselves as some sort of working class hero.

    My tale is slightly different. I’m judging things based on the experiences I had when I had nothing. No roof over my head, and no money. I’m judging life based on how close I came to death. I literally made a life-or-death decision… actually on a couple of occasions.

    So, I write from a position of knowing how it feels to have nothing. I write from a position of knowing how it feels to have to choose to act to stay alive, or else inaction would lead to death.

    Based on this standpoint, I judge things very differently. You might think I’m ungrateful to have a “good” job. You might think I’m ungrateful for my opportunities. In actual fact though, I’m just judging things relatively. I think to myself “am I more or less happy than when I had nothing” and “am I more or less inclined to die, than the time that I nearly died before“.

    There’s a cold hard rational core within me, that could quite easily slice my veins open, in a sudden brutally decisive act, if I decided that the effort of maintaining myself in a state of perpetual unhappiness and struggle would be ridiculous.

    British Commerce

    As a subject of Her Majesty the Queen of England, I was indoctrinated in the state schools of the United Kingdom, to become a loyal wage-slave, contributing to stability, increase and ornament of British commerce. Does it give me any pleasure or pride to say that? No, not really.

    My very first job was for a Ministry of Defence subcontractor, and I actively contributed to Great Britain’s military capability, as a naval power, to further their imperialist ambitions. Should that give me a lump in my throat when I see the Union Jack and hear the national anthem? Actually, no, it makes me think about the high price that is paid by the nations we have subjugated, in order to pay for the lifestyle I enjoyed.

    Do people enjoy their lifestyle? Huge numbers of ordinary working age people can’t afford a house, a family, a wedding. Most ordinary working folks hate their shitty jobs and their long commutes. Most ordinary working folks fret about getting ahead in the work rat race, or getting their kids good exam grades so that they can die an early death due to stress-related illness. But the good news is that you’re not going to have to die in poverty if you drop dead at your desk, given that the pensions are in a meltdown.

    It looks so hypocritical. The Westeners sit there in their sedentary jobs, comfort-eating themselves to death through obesity-related illness and giving themselves repetitive strain injury from their mouse and keyboard, cataracts from their computer screen and a bad back from slouching in a chair all day. Our short life expectancy is a function of stress, depression and poor lifestyle ‘choices‘. Meanwhile, the developing world slaves away, with the dream of attaining a western-style lifestyle. Supposedly, the West is the model the world should follow.

    However, maybe we got it wrong. In other cultures, the smartest member of the family gets sent away to study and work, so that they can send money back to their family to support them. Isn’t that something to get out of bed in the morning? Being the breadwinner for your family.

    Instead of the young, fit and active people being the economic providers, we have instead tipped our society on its head, where we worship the ‘grey pound‘. Since the pension funds became the biggest investors in all our companies, and all the wealth pooled in the accounts and property portfolios of the baby boomers, we now have an impoverished youth, who have a much lower quality of life than their mothers and fathers, and far fewer opportunities to provide for even themselves and their own offspring, let alone feathering the nest still further of their elderly relatives.

    I went to the Southampton Boat Show last year, and instead of successful young businessmen treating themself to a toy, as a reward for their hard work, ambition and ingenuity, it was baby-boomers who were spending their kids and grandkids inheritance, as a reward for having created an asset bubble that has meant crashes in both the stock market and the housing market.

    I know that all the pounds of economic output that I generate will simply disappear into a pensions black hole, to pay out final-salary schemes for a generation who have nothing but contempt for their kids and grandkids.

    Would you toil and toil, if you had no prospect of ever being self sufficient? If you were simply working for ungrateful masters who called you lazy and stupid? If the wealth that you generated simply inflated asset prices further out of reach, concentrated in the hands of the idle coffin-dodgers who didn’t work to create the very assets that they own?

    Tie Die

    Since when did it become a bad thing to be motivated to work? Why should we be so fearful of immigrants, who are young, fit and economically active? The very language smacks of greedy hoarders who are like a dog in a manger.

    Every year we have more students than ever before achieving the top exam grades, yet we print headlines and stories asking if exams are getting easier. Homework and the pressure to succeed is driving ever increasing numbers of young people to suicide, but yet it isn’t good enough.

    The prospects for young people are awful. The minimum wage is lower, and they’ll never be able to get married, have kids and buy a house like their parents did. Why do we label them as ‘gangs‘, ‘hoodlums‘ and ‘thugs‘ and mock them for their materialistic attachments to modestly priced bling, like gold cellphones and other trinkets that cost a fraction of the homes and cars that their parents had as their status-symbols?

    Why do we not see the link between demanding endless dividends on our shares and ever-increasing capital gains, and the need for corporations to suppress wage inflation, which impoverishes our working-age people?

    There are many people who would say that I’m not entitled to ask these questions, given my six-figure income. There are many people who think I should just shut up and take the money, because it’s there.

    In actual fact, I’m going further than just asking difficult questions. I’m actually putting my job on the line.

    I lost two big money contracts because I refuse to be bought. I refuse to stay my tongue, just because I’m being paid a lot of money. Is it unprofessional, arrogant, reckless, stupid? Actually, it’s none of those things.

    I struggled a lot with middle-class guilt, but predictably, I did very little about it. I used to wring my hands and say “but what can I do?” while reading the Observer and The Guardian newspapers, and having passionate discussions about putting the world to rights, while quaffing expensive wine in fine restaurants in North London. This was hypocrisy. The final straw would have been going on a sponsored run and doing some kind of gift-aid contribution out of my salary every month, to salve my conscience and give me some kind of sense of smug satisfaction that I’d played my part.

    Instead, I went on a journey. I’ve been to the bottom and back again. You might think that my risk was underwritten by my middle-class family, but they actually turned their back on me, when I had apparently left my social rank and become ‘untouchable‘. I was disowned, disinherited.

    I can never claim to know what it was like growing up in abject poverty. My parents might claim that they never had any money, what with my mum being a student and my dad working behind a bar in a caravan site, when I was born. However, my granddads were both professional men with good pension provisions, who were able to bail out my drug-addled hopeless parents whenever they really hit hard times. The same privilege was never extended to me. Perhaps I should have recklessly sowed my wild oats, and then pled poverty when there were extra mouths to feed, like they did.

    Me in the office

    A parent’s relief that their child is alive and physically healthy has no bearing on whether a person feels grateful to be alive. I didn’t choose to be born and I don’t want to go on living, if life is just endless misery and suffering. If you expect your kids to love you unconditionally, you’re just plain wrong. It totally depends on how you treat them, and there’s a real generational problem.

    Handing over a planet and an economy that’s absolutely fucked, and then retiring, is pretty ridiculous if the generation who are going to have to clean up the mess, accept austerity measures and live a lifestyle that is unimaginably frugal, in order to allow pollution to return to safe levels. It’s a bad deal, by anybody’s reckoning.

    It’s in my nature to question everything and anything. There are no taboos for me. There is no ‘respect your elders‘ bullshit, because the first question is “why?“. Why should I respect the generation that proliferated nuclear armaments, caused global warming, deforestation, pollution of the water table, an asset bubble that’s priced ordinary working people out of the market, an unprecedented increase in the rich:poor gap and widespread economic calamity and didn’t think about how they were going to afford their retirement, except by mortgaging the future of their children and grandchildren.

    Why do I work? I can’t tell you, but I can tell you what damage working does to humanity.

    The wealth that I generate goes to corporations, who pay it out in the form of dividends or use it to inflate asset prices, to generate growth for their majority shareholders, who are institutional investors – asset managers – whose job it is to generate yet more wealth for an idle elite who expect to receive final salary pensions and an amazing lifestyle, in return for having wrecked the world.

    And you wonder why I struggle to get out of bed in the morning and get excited about going to work?

    People that I’ve worked with throughout my career have read what I’ve written, and I’m slowly making myself unemployable. How could you employ me, knowing that I don’t subscribe to the groupthink? How could you employ me, knowing that I speak my mind, and have no respect for the instruments of power? How could you employ me, knowing that I’m not cowed by fear and insecurity?

    I’m impossible to control, using the millstone of debt and the threat of destitution. For me, destitution is freedom. Freedom from the oppression of working a job that only serves to line the pockets of an ungrateful elite who have no respect for the workers of the world, and are only interested in a comfortable retirement at the expense of over 50% of the world’s people.

    Obviously, I think to myself “I must take this down” or “I must cover this up” or “I must keep my mouth shut“. There’s a part of me that just wants to take the king’s shilling and let him call the tune, no matter how maddened I am by degrading myself as the court jester.

    There is so much false promise. Work today and be happy tomorrow. Fritter away my cash on good times to forget about the soul-less day-to-day existence and futility of it all, is what I could so easily do. I’ve done it before.

    I sometimes laugh at myself, so full of middle-class angst, but there’s a deep seriousness here. It’s just bullying groupthink to call somebody a hypocrite or a champagne socialist. The fact of the matter is, somebody has to do something, because we’re sleepwalking towards disaster. The middle classes are just about comfortable enough to write letters and furrow their brows with concern, but not enough to actually risk their jobs or their reputations and good social standing.

    Every day I sit at my desk, unable to not think about the bigger picture, unable to put the futility of it all out of my mind. I think “what the hell am I doing here?” and even though I’m good at my job and I am perfectly capable of toeing the line and keeping my bosses happy, I inevitably start to rock the boat, just because I have so much barely concealed contempt for a system that so obviously fails to serve the bulk of humanity.

    I’ve let a genie out of the bottle, by considering the wider questions that we face as a species. I’ve gone down a rabbit-hole of thought, and I can’t stop chasing that rabbit, even though I’m throwing away golden opportunities that people would love to have themselves.

    Please try not to get caught in the trap of thinking this is a simple case of ingratitude.

    Office worker bee

    My values and my work are really not at all aligned, and it grates with me, to the point where I really don’t give a shit if I lose my job, but I’m not stupid… I know that I only have to play by the rules for a short amount of time, and then I can let the world know what I really think and who I really am, before my horrified bosses get rid of me. Please just kill me.

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  • Counter Cyclical

    This is a story about being a contrarian…

    Chart

    I remember sitting down with a mortgage broker in 2007, and he said “just focus on the teaser rate, don’t worry about the interest rate after the initial 2 year discount. When your 2 years is up, we’ll get you another great deal!“. I said to this guy “you do realise I work with Credit Default Swaps, don’t you?“. Naturally, I ignored his advice and went for a deal that I could afford if there was a credit crunch.

    I didn’t even want to buy a house anyway. I wanted to put all my money into gold, in 2005/6, and I had opened an account at a bullion vault and bought a small amount… at $550 a troy ounce. The dollar was also really weak so it was a cheap buy.

    I thought the housing market looked massively dodgy and the amount of money I saw flying around at JPMorgan, in the credit markets, was ridiculous. Clearly, the bubble was about to burst and a store of wealth in a scarce commodity looked like the best bet. There were plenty of dumbasses around though.

    In Cambridge in 2011, I read the original paper on Bitcoin. I thought it looked a damnsight more interesting than my startup. By the end of that year, I had started buying Bitcoins. I bought hundreds.

    By the spring of 2012, I wanted to pump all of my wealth into Bitcoin. I was buying Bitcoins at $5 a pop. I was certain that there were big capital gains to be made in the emerging Cryptocurrency. Again, dumbassses didn’t see the potential, but even I frittered away those first Bitcoins that I bought, rather than keeping them as an investment. Unless I was going to make a sizeable bet I wasn’t interested.

    Come the summer of 2013 I was running out of money. My solution: invest in Bitcoin miners and buy bitcoins at $100. I borrowed every penny I could lay my hands on and sank it all into Bitcoin. I offered to cut friends and family in on the potential rewards. Two friends let me manage an investment for them. My family wouldn’t give me a cent, even to help me keep a roof over my head.

    An idiot – my father – called me “lucky” when I sold my Bitcoins for well over 1,000% return, later that year. I sold my bitcoin miners for a profit. I made money for my friends.

    At some point, you’ve been “lucky” so many times that it’s statistically improbable that it’s luck, and in actual fact, all the analysis and reading, and time spent thinking about the macroeconomic environment, somehow seems to beat “luck“.

    If I’d taken the advice of the idiots, I’d be working in a factory in the provinces for minimum wage, or I’d be dead, although the two things sounds pretty much the same to me. Is it “luck” that means I’m not? Well, I’m not arrogant enough to believe that it was smart choices or hard work that mean I am where I am. I know that I’m “lucky” to be alive, to have functioning kidneys, to have enough brain cells left to not be left as a vegetable.

    How do you unpick luck from your story?

    There’s a snobbery that’s coming across, and perhaps you even think I imagine myself as some kind of smarty pants. Well, it’s pretty clear from this tale that I’ve taken some pretty dumb risks and done some staggeringly dumb stuff, lately.

    I like to think of it as some kind of karma. If your family treat you like a worthless piece of shit and a know-nothing waste of space, then why shouldn’t the wider world be a little kinder to you, and gift you the occasional lucky break when you really need one?

    These are my fundamental rules for life:

    • Be nice to your kids
    • Invest in scarce commodities

    That is all.

     

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  • Am I a Bad Person?

    This is a story about how to lose friends and alienate people…

    Primrose Hill

    It’s remarkable what we assume, and what we’re unaware of. It’s remarkable how our opinions can be coloured, and prejudices triggered, which completely change our impression of a person, and the way we treat them.

    I had declared myself as “fighting mental health stigma” but in actual fact, things like Clinical Depression are so damn commonplace that nobody bats an eyelid if you say you’re taking powerful psychiatric medication to stop you from killing yourself. In actual fact, I get more criticism for being medication free and letting my brain achieve its own homeostasis.

    When I moved back to London, one of my oldest friends was incredibly sweet and understanding about the fact that I was struggling with my mental health. He took time out to read a bit about what Bipolar Disorder was, and was actively concerned with my wellbeing.

    My friends are always playing catch up. By the time I was diagnosed with Clinical Depression, I was already having hypomanic episodes that were beyond the ‘healthy‘ and ‘normal‘ range of moods. Spending copious amounts of money, working ridiculously long hours, hypersexuality, risk taking… these things are not conducive to good health, wealth and stable relationships.

    By the time I was diagnosed with Bipolar Disorder, I was already trying various forms of self medication. Depressions had gotten so severe that suicide was a very real risk, and hypomania had reached the point where I was starting to get delusions of grandeur, and was at risk of getting into money problems.

    By the time I got free from the horrible relationship that was stoking my mood disorder, substance abuse was a big threat. When my divorce sapped my energy and sucked me back into the nightmarish world that I was trying to escape, I gave up and just decided to be a total junkie.

    By the time I got cleaned up and back on my feet, word had been spread by my unpleasant family, that I was somehow untrustworthy, a waste of space, a lost cause.

    So, I’m pre-empting all of that. This is a pre-emptive strike. I’m telling the world my very worst things, so everybody can get all that prejudice out of the way. I’m putting my worst foot forward.

    I’m still here.

    My friends and family are still stuck in the position of trying to deal with their prejudice, even though I’ve already moved on. I’m dealing with depression and suicidal thoughts, while people think I’m probably scoring heroin on a street corner and injecting drugs in some crack den.

    This ‘lag‘ is extremely annoying. It means I have to deal with a shocked silence. It means I’m isolated, alone, with people who should know me better, thinking terrible things about me. The culture of fear that we’ve grown up in is powerful, and all those images that the media has put into your mind are suddenly applied to me… it wouldn’t surprise me if my own family has imagined me stealing car stereos or mugging grannies.

    Eat Crack

    There’s a lag with me too. It messes with your mind, being homeless one minute, and then working for a massive bank on a really important project, all dressed up in your suit with people giving a shit about your opinion.

    How can you go from being the lowest of the low, to the point where there are people who actually think that death’s too good for you, to suddenly one of the highest paid people in one of the world’s most profitable enterprises, because the market value for your skills and experience is so high?

    Is it any wonder that it messes with your mind? Is it any wonder that your brain doesn’t know whether you’re a worthless piece of shit, and the world would be better off if you were dead, or if actually you deserve a 6-figure salary, and people are telling you that what you’re doing is really important and you’re a key figure in the delivery of a super important project. How are you supposed to reconcile that?

    Just saying that I should remain “grounded” is ridiculous. I have no frame of reference. I have no evidence to suggest that any possible conclusion I could reach would be the right one. Everything that my experience has taught me has been counter-intuitive.

    Working hard, being humble, keeping my head down has gotten me nowhere. It hasn’t led to greater happiness, more stable mental health, nor has it repaired damaged friendships and improved my relationship with my family.

    Equally, taking reckless risks with my health & wealth has brought surprising results. Instead of being dead or destitute, I actually ended up making a fantastic group of friends, as a result of winding up homeless on Hampstead Heath, just after my birthday in 2014. In actual fact, being chucked onto the street by Camden Council ushered in one of the happiest periods of my life in many recent years, probably since I was in Cambridge in 2011.

    I don’t see any of what I’ve done as wrong. I’ve not resorted to lying, cheating, stealing. I’ve not screwed people over, manipulated them or in any way committed any offensive act against anybody.

    However, people seem to take it very personally, when I apparently screw up my opportunities. One of my closest friends was absolutely besides himself when I lost my contract one Christmas. He thought I had deliberately sabotaged it. He was angry that I had seemingly chucked away a golden opportunity.

    Things aren’t so clear-cut. I’m rarely in a fit state to work. Either I’m suffering from depression, hypomania, or the exhaustion and cognitive impairment of recovery from stimulant abuse. I just don’t have the time and money to properly prepare my mind and body for work, so my colleagues and bosses get a rather fucked up version of me, with all the weird highs and lows associated with an extreme mood disorder.

    It’s not a moral choice, whether I work, whether I relapse, whether I just collapse in a heap and don’t do anything.

    I know that people like to judge, and I’ve given away so much ammunition that it’s really easy to think you know my character, my morality. I’m very easy to label, to criticise, and to apply your prejudices to.

    I’m fed up of feeling guilty, just because people are shocked and unable to see beyond their prejudice and preconceived notions. I’m fed up of having to carry the can for a load of blame and scapegoating that doesn’t even apply to me.

    In some ways, I’m tempted to rob, to steal, to lie, to cheat… I’m being treated as if I do those things already. If I’m already ‘the bad guy‘ then I guess I should act the part?

    Bipolar Memory

    People are more sympathetic to mental health problems like depression and bipolar than they are to substance abuse, even though the latter can be a feature of both of the former. I think the problem is the fact that people try and view it as a moral issue

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  • Equal Opportunities

    This is a story about conspiracy theories…

    Cardboard Home

    Can a homeless person with a drug abuse problem get off the streets and make a better life for themself, or are they a lost cause? Are we right to discriminate? Are we right to only let the ‘right sort‘ of people get ahead in life?

    What would happen if we were entirely honest in our job applications? What would happen if we put our darkest secrets onto our CVs and were completely transparent about the chaos and turmoil in our private lives? Would employers be understanding? Would we find our opportunities to work, to earn money, and to restore our self esteem, were abruptly curtailed?

    I was speaking to a film-maker friend about the high rates of burnout & alcoholism in the banking community. It was hard for me to be overtly critical, because my experience is that once you’re ‘in the club‘ banking does tend to look after its people.

    Drinking culture used to be ubiquitous in banking. Having a hangover in the morning, being tipsy in the afternoon, getting absolutely smashed out of your mind with your boss… these things were quite normal, and indeed encouraged. Everything and anything would be celebrated with copious amounts of alcohol, and virtually all sins were forgiven.

    My first proper job in the City was with HSBC, and while I was there, a colleague was so drunk that he collapsed in the revolving doors and passed out, blocking the entrance. While the story was well known to everybody, this colleague suffered no disciplinary action. The tale simply entered folklore, and would be recounted to tease our colleague.

    I was once running a team for JPMorgan, and I was so often drunk myself that I was unable to smell the vodka on the breath of my team member who sat opposite me. It was well known that he was an alcoholic, which is a bit like giving out speeding tickets at a Formula One race. He did eventually lose his job, but it took many years before he had spiralled downwards enough to have become completely ineffectual at his job. There were many, many second chances.

    I myself, benefitted from having most understanding employers, in the banks. I have been rescued from fairly dire situations, not once, not twice, but three times now by these generous institutions. It should be a case of 3 strikes and you’re out, perhaps. Besides, I have been biting the hand that feeds me.

    I’m conflicted over the banks. I had felt like they were acting with immorality, kind of like a big conspiracy. However, on reflection, I think they just employ the best people they can get, and because they pay well they get great people who are very efficient at making money. There’s no conspiracy: people are simply incentivised to help their employers profit, and the companies do better if they help their employees to prosper.

    The banks have helped me, despite mental health problems, homelessness and drug abuse. Without them, I would be dead and buried or swigging methylated spirits on a park bench.

    Obviously, my former employers don’t know how charitable they have been. What would be their reaction if they did know?

     

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  • Misplaced Marbles

    This is a story about brain damage…

    Zombies Eat Brains

    Look at me, eating brains for breakfast. Actually, it’s obviously porridge, but I’ve clearly lost the plot. I’m a few sandwiches short of a picnic. I’m a few cards short of a deck. I’m not the sharpest knife in the drawer, at the moment.

    I’ve been job hunting again this week, after a lengthy hiatus, and it’s remarkable how badly affected by stress I have been. In the grand scheme of things, 4 or 5 months out of action is really nothing at all, but having to jump through the recruitment hoops is my idea of hell.

    It was only a little over a month ago that I was completely bat shit insane and life was headed down the tubes, so I guess it’s natural that this first week back in the swing of things should come with some trepidation.

    I wonder how I will answer that question, in an interview: “what have you been doing with yourself since Christmas?“. I wonder how well it would go down if I told them I had mainly been locked in my en-suite bathroom, suffering extreme paranoid psychosis, out of my head on bath salts, or in a slurring semi-comatose state induced by legal benzodiazepines, that meant that it took me 15 minutes to explain to a friend that I was eating a slice of toast. Another friend thought I had suffered a stroke.

    Oh, I’m making my family very proud, eh? But what can you do? There was really very little hope for me after my brief efforts to keep the wheels of the machine turning, ended up being blocked by the holiday season. Faced with a cashflow crisis and the slow January job market, I backslid, I relapsed, I self-sabotaged.

    How much damage does it do, to get so messed up for 3 months? I mean seriously messed up. At one point I believed that window cleaners were spying on me at 11pm at night, on a bank holiday, with horrible winter weather lashing the building.

    You only have to look back to some of my blog posts from around that period to see that the whole bath salts & pink/blue pills from the internet combo wasn’t the greatest thing for my mental health. You can see the disjointed thinking, but yet my mind had failed to stop whirring away, so instead the complete garbage running around in the hamster wheel of my brain was just spewing forth onto the pages of this website.

    Where it all Began

    In a way, I’m tempted to go back and edit what I wrote, or even erase it from history. However, it’s an interesting record of everything that happened to me, in 8 months and counting. Here’s a brief recap:

    • I was living in a hotel
    • I was working a contract for HSBC
    • I was really enjoying my work
    • I was well liked and respected at HSBC, and a valued member of the team
    • I wasn’t drinking any caffeinated drinks
    • I wasn’t taking any drugs (i.e. bath salts) and hadn’t taken any since June
    • I decided to quit alcohol for 100 days
    • I got a flat, and said my friend John could live with me rent free if he did some work for me
    • After 30 days without any alcohol, I became suicidal, unable to cope with extreme stress
    • I went into a secure psychiatric unit of a hospital, voluntarily, for my own safety, for a week
    • My friend Klaus and me did a Man on a Mission scouting mission to Devon/Cornwall
    • I then went to San Francisco and caught up with one of my oldest schoolfriends and some of my startup friends
    • I then threatened to whistleblow on HSBC because their Customer Due Diligence project was being completely mismanaged
    • Naturally, HSBC then terminated my contract
    • I then travelled round London, doing my thing
    • I went on a load of political demonstrations
    • I started doing my advent calendar, leading up to the deliberatly ironically named Cold Turkey on Boxing Day
    • I sliced both forearms open with a razor blade, along the length of multiple veins
    • I did 101 days without alcohol, then relapsed heavily onto bath salts and benzos (sleeping pills) and pretty much destroyed my bed and generally made a right mess of myself and my bedroom/en-suite
    • I got better (or did I?)

    Perhaps I should put this website on my CV and link to it from LinkedIn. I’ve obviously given a great deal of consideration to who is likely to read this. I expect that at some point, some people from JPMorgan, HSBC and my startup days have read things that must be quite eye opening for them.

    I remember on the first Friday at my most recent contract at HSBC, a couple of the guys took me out for a beer and the conversation was steered onto the topic of drugs. I had my game head on, so I didn’t go into exquisite detail about my colourful past, but I did later fall asleep at the bar and get told by security staff that I couldn’t take a nap on my stool. I wasn’t on any drugs at the time, but my alcohol tolerance was quite low.

    It should be remembered that I wasn’t abusing drugs for that whole time I was working at HSBC, and I was actually sober for the whole of October, as the first 31 days of my 101 day sober challenge to myself, which I achieved.

    Well, that’s not strictly true. After a week at HSBC, I realised that my cashflow was completely screwed and living in a hostel whilst working on the number one project was not going to work, but I didn’t have any money. I mean no money at all. I wasn’t going to be able to travel to work, eat, or even afford to pay for my hostel bed anymore.

    What a ridiculous situation. I was earning many many times more than the average wage, but yet my cashflow was in bits. I was employed doing some very very important work, but I couldn’t afford to get the tube to work or buy a sandwich. The money was there, but it was trapped in the system: waiting for my invoices to be paid.

    Can you imagine that? You were living in the park, then you were living in a hostel bed, you start work with your one suit and your one pair of shoes, and you don’t have any money, but you’re working on the number one project for the biggest bank in Europe, and the CIO names you in front of the entire team, at the townhall meeting, as the guy responsible for a certain important piece of work… but you haven’t got two pennies to rub together.

    So, I ask you, where do you think some of my ‘madness‘ comes from? Is it all due to genetics, to a disease… or do you think some of it comes from the extreme stress and pressure, and the lack of a proper safety net? How hard do you think it is, to fall between the cracks, and try to rescue yourself from destitution? How much of a toll does it take on your body and mind to have to fight your way back from the brink of death and dereliction?

    8 Canada Square Sunset

    I pretty much slept at the office, because there was nothing for me to go home to

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