This is a story of a culture that is destroying people's mental health and lives...

Management by balance-sheet, bean counters, spreadsheet jockeys and "yes" men and women are joining a set of executives who do everything in their power to abstain from any of the hard work and responsibility that is necessary in the world.

We have all heard horror stories of people being sacked by text message. In fact, skilled workers, professionals, have been steadily robbed of their worth and self-esteem since powerful rich men, behind closed doors in gentleman's clubs were allowed to asset strip British industry. The practice continues today, as companies are allowed to be headquartered in the UK, but are offshoring all the jobs for cost reasons, and are draining the wealth of the nation.

Europe is fast becoming little more than a tax haven for global businesses, with billions, if not trillions of dollars of profits being pushed through legal entities that have little reason for existence other than to evade the taxes that these companies rightfully should pay to the countries that they have extracted the profits from.

Luxembourg is the most obvious example, but Ireland has recently jumped on the bandwagon. The amount of tax that is paid by Vodafone (group HQ is Luxembourg... funny that, considering that Newbury, UK is where I thought they were founded?) or Apple and Amazon (taxed via Irish legal entity... I know Apple Maps is rubbish but it's a long way from Silicon Valley?) is a pittance. The amount of profits that these companies make is disgusting, versus what they pay as percentage of their gross profits.

However, maybe there is a good reason for all of this?

When I became unwell, and asked good old UK government for support - as somebody who has always paid my full taxes, has no offshore bank accounts, has never tried to evade or avoid taxes - I found that there was worryingly little of a safety net there.

I went to my doctor (General Practitioner, or GP for short, here in the UK) and had a 30 second conversation about what was going on in my life.

"Have you heard of Fluoxetine"

Well, yes, I have heard of Fluoxetine. It's the generic name for Prozac, which is an antidepressant from the 1980s. What the hell is my doctor doing dishing out 25 year old pills to somebody who they have taken 30 seconds to get to know? Well, we know that the NHS is extremely cost pressured, given that we have to give such large tax breaks to profitable billion dollar companies and make sure that we don't take too much inheritance tax from dead multi-millionaires. Oh, and we need nuclear atomic bombs too. Yes, we need to make sure we can always annihilate every person on earth at the flick of a switch.

Luckily for me, I walked away from a course of powerful psychoactive medication, that has been proven in long-term studies to be less effective than placebo. It also takes 6 weeks to take effect. My episodes of depression tend to be about this long anyway. Also, SSRIs make you fat and destroy your sex life, as well as blunting your emotions and generally making your sh1t life even more sh1t, but you'll be too doped up to even realise, unless you ever emerge from the chemical haze.

I'm pretty upset about this, if you hadn't picked up on that.

Another thing that is very annoying is that, as anybody who takes a few more minutes to get to know me will tell you, I'm certainly not what you might term unipolar. My life is littered with examples of radical mood swings. Catch me at a certain time, and you will see my racing thoughts, pressured speech, lack of sleep, intolerance of dimwitted twits, and evidence of my wacky projects.

One day I whimsically decided to knock down my shed, order a load of wood from a sawmill and build a giant beach hut summer house thing in my back garden. Somebody suffering from unipolar depression does not normally do such a thing, according to the DSM-IV/V.

I had to learn all about Google Sketchup, so that I could design the thing, learn about different types of timber, wooden building construction techniques, roofing techniques, planning laws governing outbuildings, estimate how much I would need in terms of materials, locate a sawmill, find a roofing supplier, get a chop saw, nail gun and roofing blow torch (the most fun tool of all).

At no point did any of this seems slightly strange or beyond my capabilities, as a spotty IT nerd who did little more than turn coffee into software for a living, by pressing buttons on a computer, in a comfortable air-conditioned office.

Working around-the-clock seemed perfectly normal too. I remember one neighbour pointed out that the sound of nails being hammered at 9pm was not helping him to study for an English exam... but how are you supposed to hammer quietly? I did try and hammer more considerately, but it seemed more considerate to simply get the project done as fast as possible (I think I took 3 days to complete the structure) given that I didn't know the sleep patterns of everybody within earshot.

So "Mega Shed" as she was affectionately known, appeared at the bottom of my garden in under a week, at a cost of £700. An ordinary week in anybody's life? Well it's hard to judge from an internal point of view, as you can't step out of your own mind and view yourself as others would.

Naturally, friends, colleagues and family are always impressed by a person's industriousness and ingenuity, so I saw no real reason to back off the gas. When the world rewards you for efforts, this reinforces your belief that what you are doing is sustainable.

I then decided to sit in my garden and read a huge stack of books on Quantum Mechanics. This then progressed to me reading every paper that looked interesting in Cornell University's online archives. Naturally, I then started emailling a bunch of the authors, and getting engaged in particularly interesting email based discussions with people around the world about De Broglie's Matter Waves (Pilot Wave theory) which looked a hell of a lot more elegant than all that Standard Model crap that couldn't be unified with General Relativity.

Instead of being discouraged, I found academics to be kind, indulgent and generous with their time. I took things too far, of course, and wrote a paper on the measurement of collapsing Quantum States in an entangled system, spread over a physical space larger than the light-cones of the particles being measured. Standard Quantum Eraser type stuff. I even tried to get it published. Lolz.

At no point did anybody actually directly say to me "you seem to be as mad as a box of frogs on acid with lasers coming out of their nostrils" so I kept digging myself into a deeper and deeper thought hole until I sank into another depression, with no idea what had just happened to me.

The thing is, it's fairly entertaining, enthralling, to watch somebody who is hypomanic. In our age of Big Brother and myriad reality TV shows, we seem to think that it's OK to be a spectator in somebody's spectacular life.

We seem to think it's OK to sit back and watch somebody go absolutely bezerk. It's that person's fault, right? Or maybe it's not their fault, but it's not your responsibility... that would be somebody else? Maybe doctors? Maybe the police? Maybe the council? I don't know... I'm just going to watch - because this is just too horrible to miss a minute of - and I can't tear my eyes away this is just so awful, somebody should do something about it, but not me, and not yet because I'm really getting into this. Brilliant. Who needs TV anyway?

I don't think that I'm not personally responsible for getting unwell, but I don't think that people know how to help, really. I don't think that people are particularly incentivised to help either. We have a very isolated existence. We don't know our neighbours, we don't trust strangers, we ring the police to deal with things that we used to work out between ourselves, we expect our doctors to give us magic beans to cure all society's ills.

So, today is World Mental Health day and World Homeless Day. I can tell you, from personal experience, that mental health issues can lead to homelessness. When I was discharged from hospital after a suicide attempt, I was given 2 weeks accommodation, and I was expected to use that time to arrange my own accommodation. I went to the council offices with a letter from my doctors, explaining that I was extremely vulnerable and that I should receive urgent assistance. The person I spoke to then went on holiday and that was the last I heard of it.

I don't blame the system or the people. People are trying to do the best that they can, but there are so many people in need of assistance, and so little money, because we are fixated on helping the rich to get richer, rather than supporting the most vulnerable members of society. I'm not even angry about it. Living in the Royal Parks and on Hampstead Heath was an eye-opening education for an extremely highly qualified and well educated guy who fell on hard times. If you think I chose to become homeless, then f**k you, you ignoramus.

Yes, I could have sold my camera, but I wanted to document what happened to me and I already sold all my other possessions to support myself. When will you be satisfied? Sell my clothes? Locking me up for being naked will be expensive (June 2014)

Tags: #mentalhealth #bipolar #depression #homeless #sex #banking #career #london #culture

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 a sabbatical that I never got to take...

Anybody who says I'm ungrateful for my life needs to have their head examined. My life has been paired down to the nth degree. Anybody who has lived aboard a 22ft boat for weeks knows how to live a small life.

In 2003, I asked HSBC if I could take a sabbatical, so that I could backpack around Australia, New Zealand and South-East Asia. The important thing about the trip, for me, was that I needed to make more friends and do a bit of independent growing up, away from the Angel Islington and Canary Wharf, which my whole life revolved around.

My old boss, an Exeter graduate who had completed an M.Phil (Master of Philosophy degree) in Epidemiology at Oxford, was a brilliant guy and did his level best to get this agreed with Human Resources. The rule at the time was that you had to have been an employee for 2 years, which I had been. It had been agreed and I started to get excited about tying my knapsack to a stick and setting off on the road to secure and happy adulthood, with some brilliant travel stories to tell when I got back.

Sadly, HR decided to change the rules under our feet, and the trip of a lifetime became a choice between resignation or cancelling my trip. I chose the latter, as I had a secure job with a conservative bank that I have loved since being a Griffin Saver, in the days of Midland Bank. Working for HSBC was very personal for me. Also, memories of the Dot Com crash and 9/11 were fresh in my memory. I valued my job, and I liked working for my boss. He's a great guy: so disciplined and inspiring.

Possibly as some kind of compensation (I'm totally speculating here) my boss allowed me to ride his coat tails into a very important project, whereupon I sulked for months and months, because I hadn't fully comprehended what he might have done, in light of the clear importance of the project that I was a part of. My boss exposed me to the very best people within HSBC, and perhaps tried to pair and mentor me - perhaps deliberately, who can say? - with people who are still to this day an inspiration in everything I think and do. I can't help but well up with tears thinking about what an amazing time that was, even if I was sullen and sulky for so much of it.

When the pressure really ramped up on the project, towards the go-live date, I flicked the switch from 'zoned out' to 'warp drive' and started putting in the hours I should have been. I had wasted a lot of time, so this was hardly anything more than working as hard as I should have been all along, but nobody should underestimate the effort that was put in, either.

Anyway, I was eventually ranked - quite fairly - on my average effort over the whole year, rather than just on the 'heroic' efforts towards the end. There was one issue that I was very very tenacious with, having to work with operations, software vendors, networks, sysadmins and security to track down a particularly nigglesome problem. This taught me some well-needed discipline, but not, however, much humility.

My boss did his very best to knock a streak of arrogance out of a jumped-up young upstart: I found it very easy to do the work that was asked of me, but I was lazy, sloppy and work-shy, to be honest. Nothing was much of a challenge, so instead, I filled my time reading the BBC News website, chatting with my friends on the Kiteboarding forums and planning my next weekend trip to the beach or overseas Kiteboarding trip.

I suppose you could say that I had my cake and ate it. I got to continue my career in London, and I also got to travel the globe and meet a set of friends who became a part my life, almost like University or "gap-yah" friends (gap year to those who don't speak posh) would be in the lives of my rich upper-middle-class white spoiled brat peers.

However, I still harboured a bitter resentment against the world for having 'conspired' to deny me a year of diminished responsibility, casual sex with sun-kissed young women with sand in their hair, and generally having fun in the playground of World's backpacking hostels. I felt I was entitled to this, like all the University-educated upper-middle-class twentysomethings in Banking.

I couldn't see that I had kind of won. I had kind of gotten both. I couldn't see that my life was awesome already.

When my boss told me that I been ranked just below the very top performing employees of the company that year, I was mighty p1ssed off. He did a very good job of staying calm and not telling such an arrogant little sh1t to p1ss off. Partly at issue, was that entitlement is bred into us by our upbringing and society around us.

We are told what to expect depending on our position in the World. Perhaps we also misunderestimate (sic.) the effort that is going on beneath the serene surface: some of us are wild swans, with our legs frantically paddling under the surface, while we glide along the surface looking cool, calm, collected & awesome.

Tony Blair told the world that 50% of people should get to go to University. I wanted to go to University, but always felt such a deep sense of responsibility to be self-sufficient and work hard, it seemed decadent and profligate to spend so much money, geting into debt, just drinking and reading books. I have always been excellent at cramming for exams and words seem to flow out of me like so much water in a sieve, so that part didn't exactly worry me.

It's always been a bugbear of mine that people think that education is a right. It's not. It's a privilege, but it is also essential to advance civilisation and humanity. It can improve lives and society more than any other gift that we can give to the developing nations. Teach a man to fish etc. etc.

People have tried to gently, and not-so-gently steer me towards teaching. I loved my teachers and I love teaching. I can remember all the names of my teachers, and I still fondly recall so much of what they taught me in life, and how they inspired me. I hated school though, because the bullying was so unbearable. But then again, I was always terrified of electricity and ended up becoming an electrician, so fears can be overcome.

I think I know now that, when I'm done with wearing a suit, I want to teach - so much that it makes me absolutely sob my eyes out as this realisation dawns on me - Physics, Maths and Design/Technology/IT working with underpriviledged kids in state comprehensive schools in Inner City London. This doesn't have to be soon. It's something to aspire to for semi-retirement, I think.

The only way that I can think to make that a reality from my current situation of zero cash, zero assets and massive debts, is by draining the swamps in banking, as an IT contractor, and by changing the political landscape of the UK so that we pay Teachers a decent living wage and top up the salary of those working in London so that they can afford to live here.

Ideally, I would like to finish the project I'm on, and deliver of a stint of many months and years of steady high-quality work for the global bank I have always loved admired and respected the most. HSBC really is a great place to work, and you really can be reassured that when we are all done, it's going to be good for another 150 years of helping people and businesses to achieve their full potential.

Maybe I'm just a hopeless dreamer. Answers on a postcard if you've got a better idea.

Anyone who says 'narcissist' to somebody who has decided to wear a grey suit for 18 years is going to get a punch in the mouth (Winter 2014)

Tags: #career #london #banking #university #hsbc

This is a story of a growing problem in people's lives....

I can't get no sleep. That's a double negative. What I mean is, that I have a problem with insomnia, because I stare at backlit devices around-the-clock. The problem with backlit devices is that they output light that hits your retina, telling your body "it's daytime, get up".

When I'm awake, which is most of the time, I'm either at work on my laptop or working at a double or even triple monitor, looking at my phone, or looking at a TV, tablet or some other backlit device. I had even taken to reading books on my phone, which means that my body had absolutely no light-based clue as to what the f**king time is.

Unsurprisingly, this messes with your circadian rhythm, even if you eat your meals at regular intervals, and attempt to get in and out of bed at normal times. I generally keep at least 3 electronic devices within grabbing distance of my bed anyway (phone, laptop, smartwatch) and often times I fall asleep with either my laptop on my lap, or still wearing my smartwatch (which helpfully vibrates, so I can briefly wake up to check any alerts).

Photographing stuff on my phone and uploading it to Facebook, Twitter or Instagram, posting check-ins and status updates, and making snide or sarcastic Tweets - from 4 different accounts, at least - has grown and grown, leading to a kind of live-blogging of my life.

To say that I was obsessed with social media would be a massive understatement. It's actually an addiction that is affecting my health. That's the generally recognised definition of an addiction: when something you enjoy is negatively affecting your life, but you are struggling or unable to reduce your dependence on the thing you are addicted to (water, oxygen and sugar don't qualify, you see, because you die without those things).

The inscription around the woolly head of our sheepie friend reads: we are such stuff as dreams are made on; and our little life is rounded with a sleep. Shaun would be well advised to make sure he gets enough sleep, as our immune systems can get dangerously low if we aren't giving our brains and bodies the rest they were designed to have.

Modern life gives us surprisingly few environmental cues as to what we should be doing. Here in London we have artificial lighting 24 hours a day, and there is barely a wall that doesn't have some kind of flat screen attached to it now. We really are a City that doesn't sleep. When all the bankers, lawyers and accountants go home in their taxis, just before midnight, an army of cleaners and trash collectors sweep in behind, to collect all those discarded coffee cups and sandwich wrappers.

Most offices are now 24 x 7 x 364 (you get Christmas Day off - this is the only real Bank Holiday) which have cost-saving motion sensing lighting, so you only have to glance up at one of the tall office blocks at an unusual hour, to get a rough idea of just how many people are working on some unrealistic deadline for their client.

Delivering a deal, getting the Thank Yous from your bosses and clients. High-fiving your colleagues, and adding another tombstone to your impressive collection of deals or projects that you have delivered... that's addictive too. You get a little dopamine hit every time one of those things happens, and before you know it, you find yourself going into the office 7 days a week and answering the phone to your bosses whenever they call.

In a global business, we operate a follow-the-sun model, where Europe hands over to the Americas, and then onto Australasia, and then Asia-Pacific, and then Middle East and North Africa and all too soon it's dawn again. Where those business centres are unable to fully support themselves, some poor sod carries their phone and/or BlackBerry everywhere anytime. We used to call it Crackberry when we first got our BlackBerries, and you found yourself checking email at 4am, even when you officially weren't on call.

We can't actually help ourselves anymore. Whenever we hear that bleep and see that message notification light blinking, we have been habituated into reaching out and grabbing it, no matter what time of day it is, no matter how socially inappropriate it might be, no matter what else we are attempting to do at the time.

I find myself looking at my smartphone, one-handed, while cycling along in front of 3-lanes of red London busses and trucks... what could go wrong? I find myself finishing typing a message, one-handed, while descending steps and even a ladder that leads down onto the 'beach' outside my flat. That ladder is about 80ft high. It would hurt if I fell, or maybe even kill me.

It's a similar deal with selfies. People will go to extreme lengths to get the shot. They won't even let you skydive with a camera until you have done a certain amount of jumps, because of the sensible precaution that people should concentrate on the hard ground that is approaching at 125mph, and not the killer shot that will make their Facebook profile look super awesome.

So I tried to photograph 64 painted sheep in Covent Garden yesterday. Should we be quite worried, in a pathetic hand-wringing Daily Mail reader way? Why? In the above image, some adults might have been accidentally been photographed obsessively taking photos of their children. The image is low enough resolution that you can't actually recognise people, but some idiot will still declare that their privacy has been invaded. Welcome to London, you muppets. We are one nation under CCTV.

(NOTE: I took particular care to avoid taking a photo of anybody's child, and no, that really is not your kid in the image... it's someone else who shops in Baby Gap or Mothercare or wherever, and has a blonde/mousey/dark-haired kid. Can you imagine how hard that is in Covent Garden?).

So, for my part, I am pretty much putting my entire life - not including anything I am under contractual and professional obligation to protect - into the public domain. Nothing to hide, nothing to fear.

Is this brave, or stupid? Will I come to regret doing this? Am I embarrassed? Yes, there is embarrassment at first, and then this grows into a feeling of being liberated. Nudity, sex etc. are still taboos, so I'm not going to take things that far, and I am mindful of other people's need for privacy so I won't be exposing anybody else to my public life laundry. Ask yourself though, why do you feel uneasy about something leaking out?

So, I believe that Cannabis is a very dangerous drug that has been allowed to enter popular culture (some conservative estimates say that 1 in 10 people are regularly 'stoning' themselves). My biggest concern is that prodromal Schizophrenia is being turned into fully blown psychotic episodes in young people. The paranoia and disordered thinking that I have witnessed in friends and relatives is disturbing.

The strains of Cannabis that have been developed with very high Tetrahydrocannabinol (THC) content are ruining many lives. People just sit around, eating, playing computer games, and p1ssing their youth away. These are smart and enterprising people. We are losing a whole generation, and I'm pretty angry about that.

If you walk around Camden Town, you will realise how the Marajuana plant has become a ubiquitous emblem for a huge powerful narcotics industry. The revenue and turnover involved is many many billions, in the UK alone. The corruption involved, the bribery of government officials, is a multi-agency problem that spans Border Controls, Customs, Police, Local Government, and of course, Parliament. Professor David Nutt was run out of government for trying to bring some sanity to the issues which threaten to tear our society apart.

We can't have an entire generation, whose ideas and energy have been repressed by a chemical 'straight jacket'. These stoners are too intoxicated to see that they have been conned. They might think they are part of a counter-culture revolution. From my first-hand observations, they are actually spouting complete rubbish, gawping at the TV, surrounded by empty junk food wrappers, in the stained clothes they have been wearing for days.

It sounds like I'm having a go at young people. I really am not. This is a major sadness in my life, that brilliant, bright, intelligent, energetic, beautiful young people are selling themselves so short, because they have been trapped into a cycle of poverty and intoxication, addicted to strong narcotics. What other hopes do they have? Getting a job as a young person is almost impossible.

Can't get a job without the experience. Can't get the experience without the job. That's the spine-chilling Catch 22 that is destroying a whole generation. These are your children who are being frozen out from the employment market. Take a bloody look at yourself, stop looking at the profit and turnover for your company, and ask yourself how many apprentices have you trained? How many entry-level positions have you created in your company? What are you doing to help the next generation?

Give young people the break they need in life. It could be as little as a small business loan, of a few hundred or few thousand pounds. That kind of money is pocket change compared to the value of your savings and assets. If you don't give away more than 1% of your total personal wealth (value of your house + value of your salary + value of your savings + value of your pension) every year, for the lifetime of each child that you have spawned, then you are a pathetic spineless leech on society.

My parents, tried to be as supportive as they were capable of being, and I love them. They have made mistakes, just the same as all of us, and I do recognise that being a parent is hard, and everybody is just winging it.

Tags: #childhod #addiction #mentalhealth #drugs #privacy #london #banking #career

This is a story of a noncompetitive person who became a winner...

In September 2008 I won the Poole Animal Windfest. I then got into a waiting taxi and flew to India to work with my team on the DTCC project for JPMorgan. I didn't even have time to collect my prize or wash off the salt from my skin.

I didn't even realise I had won. When I reached the shore, I had travelled far downwind from the spectators, and it wasn't until I dragged my board and kite back up the beach and started to pack up that people said I had won the final heat

That year, I wrote a software testing framework called Message Oriented Testing (MOT... a pun on the UK's certificate of roadworthiness test for cars and other motor vehicles) as well as designing and leading the coding of the confirmations engine for Credit Default Swaps, that would work with the Depository Trust and Clearing Corporation's API and the Financial Products Markup Language.

This test-driven approach delivered the project on time, despite me having to do it with completely inexperienced offshore resources, and the low number of defects left my bosses gobsmacked. I didn't realise any of this until somebody told me this a long time afterwards.

The truth is though, that was the last good code I wrote, and even that was a bit hacky. I don't really go in for Rolls-Royce solutions. Generally I'm useful when the client or customer needs something doing yesterday. When all the 'architects' have done fart-arsing around and the project is really late, that's the time that I ususually wake up and start hacking something together to get things over the finishing line.

Does that mean I'm a good hacker? In truth, not really. Doing these 'heroic' acts generally leaves me burnt out, and leaves the team with a pile of code which I'm the only person who understands. The deadline is met, but everybody else is left holding the baby, while I sleep off the 'hangover' from a work binge.

So what am I good at? Well, I'm honest - brutally honest - and I also really dislike the salesmen in software who promise the earth and then go back to their development team to give them the 'good news' that they have made the sale... provided the whole team can work for 25 hours a day, 9 days a week, for the next 17 months, and deliver in a year. We just need to make a little adjustment to the Gregorian calendar, no?

I do have a good background in Mathematics thanks to incredible teachers (my maths teacher at school taught me Matrix Mechanics after school, so I could write a 3D ray-tracing algorithm) and Computer Science (the same maths teacher also taught me and a few friends an extra GCSE in our lunch breaks) and I'm enough of a fast learner to pick up any new technology that's required of me to learn to a 'competant hacker' level... a colleague once kindly said I "hit the ground running like Linford Christie" but I think I will probably also fall over like Usain Bolt, unless I stop taking on these sprints.

I also love design and technology. I had the most brilliant D&T teachers throughout my school years. At age 15 I designed and built a motion-tracking device that fitted over a person's arm. I demonstrated it, along with the software I wrote, at Brunel University, as part of the Young Inventor of the Year competition. I think I got a prize, but I can't remember! I definitely think I have a certificate from the competition - which was awarded to me by the Rotary Club, in Lyme Regis - somewhere in the archives.

Now, what would be the perfect job for such a person? I actually have no idea. I've been trying everything I can possibly think of. I actually think, I'm pretty good at pursuading people to back other people's ideas. I guess that makes me a salesman?

The logos displayed are companies that the Hubflow platform was demo'ed to. We partnered with Video Arts, who then took it to their large customer base. Standard sales bullshit (July 2011)

Tags: #kiteboarding #kitesurfing #startup #entreprenuer #computing #banking #career

This is a story of queue jumping and those who get left behind...

I keep this in my wallet, to remind myself not to be one 0f the self-important pricks who thinks they deserve their position in the world. It reminds me that it's never OK to barge in front of the struggling masses. I found it in the middle of a forest in Ireland. The former owner, I imagine, was a jumped-up London eedjit who littered one of the most beautiful and unspoilt parts of our world I have ever seen. This little patch of green is one of the few places to not have been totally screwed by selfish and greedy monsters.

This keepsake also reminds me of the day that I decided to make a switch, from being so consumed with the rat race that I was unable to stop and smell the roses, to notice that there are very few places left that have not got massive concrete tower blocks, huge piles of plastic rubbish, terrible air quality, polluted rivers and all the increasingly obvious signs that the human race is acting with little or no care for the future of the planet.

It also marks the day that I reconnected with nature, having been stuck in the concrete jungle for far too long. The problem with London is, that unless you have a healthy outdoor hobby, like cycling or surfing, you have very little connection with your environment. We live under artificial lighting 24 hours a day, and our views are dominated by huge buildings, not towering trees.

Another problem with London is the drinking culture. I'm not sure if London drinks alcohol to switch off and get some sleep, after all those strong coffees, or whether to numb the realisation that the standard of living is actually pretty poor, when you consider long commutes, high rents, overcrowding, crime rates and poverty everywhere you look (except for Canary Wharf, which is a private estate).

So, I decided that I am going to quit drinking. This is harder than you would think, when you work in an industry where a standard interview joke with a candidate is "Do you drink? Don't worry if you don't, we can send you on a course". They closed the bars in offices, as the City has cleaned up its image, but you can still roll from your desk straight to a bar within barely a few strides.

Let's be clear about my drinking though. I drank pints of lager out with the lads from work. Drinking spirits and drinking alone set of alarm bells in my head, luckily, but binge drinking huge amounts of beer is not good either, even if everyone else around you is doing it too.

It has taken some time to prepare my colleagues for the relinquishment of my final vice. I have never smoked in my life. I gave up caffeine over the last year or so and I am now completely decaffeinated. I am targeting targeting a 1 pint a week, which will be cut to zero in October. This is a drastic reduction from having 5 or 6 pints of Peroni (over 5% alcohol) on a midweek evening, and my body and my colleagues have felt the impact.

So, at first, my body was extremely unhappy about going alcohol free. My sleep was terrible. I was waking up sweating in the middle of the night. In the morning I felt like I was full of flu: aching joints, feeling sick, painful abdomen. This was when I was STOPPING... surely we are supposed to feel better, not worse? Well, as it turns out, it takes quite a long time before you start to feel better.

I was shocked by how long it has taken me to taper my alcohol consumption down to just a single social drink, which I accepted on the proviso that nobody was allowed to pressure me into having another one, and I would go home after I had finished it. My colleagues carried on and were nursing hangovers the next day. I felt surprisingly rubbish after only 1 pint, but I was able to get up and have my breakfast at the normal time.

I think it really is like my friend, Tim, often jokes: "I'm not an alcoholic, because alcoholics go to meetings". The City runs on that kind of gallows humour. However, I have now started to lose friends and colleagues to alcoholism, and many more are very ill indeed. I don't want to be next.

Could this be my last ever pint? My body and brain wish it was (October 2014)

Tags: #career #london #alcohol #addiction #mentalhealth #banking

This is a story of "greedy, lazy, incompetant people who got found out"...

Justice is a funny thing. So is Karma. Things will always catch up with you. "My name is Earl. I'm just trying to be a better person".

I might not particularly agree with the Patriot Act, but I agree with the punchy tagline that was used to sell a lie to the American people, who were still scared and reeling from the biggest terrorist attack on home soil: nothing to hide; nothing to fear

However, I have a job which I need to pay my rent, but someone who isn't me (Earl) was working with a colleague who had his/her contract terminated today. Here are some more words I heard from Earl:

"I had asked to be moved from one scrum team to another due to a difference in style and approach from the way I like to do things, which has always been quite successful for me. However, it's not in my remit to tell other people how to do their job, so I asked if I could work with the a person who seemed to be doing things more in line with my expectations.

There then followed a blissful two days of productivity. The business seemed happy. The product owner/CIO seemed happy. Us developers were overjoyed and we were high-fiving and walking around the office with big grins.

We decided to go out for lunch as a well bonded happy team, at the suggestion of our scrum master. But he/she never showed up. As we sat there at lunch, we all agreed what a great guy/girl he/she was, and that we wanted to support him/her from the inevevitable management pressure that was going to fall on his/her shoulders.

We were surprised that our colleague didn't join us for lunch, especially as it was his/her idea. We had left a note and tried phoning him/her.

Over lunch we discussed how 'damagement' (management) were not really interested in knowing the truth, and in fact didn't want to know it, as it would undermine plausible deniability.

I observed that a couple of people had been asked if they would like to consider other opportunities in light of the increasing and relentless pressure. I wondered whether I might have been guilty myself of precipitating one of the scrum masters' untimely departure. It was almost an open secret that I thought he/she was a micro-managing waste of space.

I had actually been one of the people who was asked to consider other opportunities. I nearly laughed in the face of the person asking me. The irony of it was beyond belief, given this person's dependence on me during the previous weeks. I stood my ground and asked him/her to resign instead.

This kind of brinksmanship must be going on all the time between these equally incompetant fools. Knowing that I was competant, it was not brinksmanship for me. Instead I felt confident that the project and the client needed me more than I needed the contract.

You can't bluff a poker player who is holding the nuts - the very best possible hand available from the cards that have been dealt. It's a simple matter of memorising the odds for all the possible hands, and then your play becomes automatic: you know almost immediately when you should fold.

When we got back from lunch, I went for a pooh. I sat on the toilet, looking at Facebook and taking my time. I was relaxed and enjoying my job again, for the first time in ages, after having been empowered to do my job and make things better.

I came back to my desk, and my team told me he/she was gone. Immediate effect. They had got rid of him/her while we were all at lunch, with that empty chair at the dining table.

We speculated during the afternoon that the reason for termination was a lack of fear. Our departed colleague was rumoured to have no mortgage. He/she was too honest. Too fearless. He/she wanted to do the right thing.

I liked him/her, even though many people didn't, seemingly for intangible reasons, unrelated to whether they could do their job well or not. His/her face didn't fit it seems."

Anyway, I'm not really able or willing to comment, given my position on a sensitive, high-profile project that I can't talk about, and would never talk about, given my professional duty to my client. I will say this though, of the attitude of me and my colleagues. We care very deeply about the needs of our client and customers, and we always put those needs first, often ahead of our families, our health. We are passionate and dedicated, and excel at our jobs, under the most intense pressure and stress.

We are all trying to be the very best we can possibly be. We need to be. The bank is "rotten as shit" as the Department of Justice will attest. $1.9bn fines don't get dished out every day. We are turning it around though. I really like the CIO. I really like my team. I really like my job. I really like trying to save hundreds of thousands of jobs. We don't get to do that in IT very often.

[Picture has been removed by IT Security]

Me in the office, wearing a rugby shirt, looking like I'm having a 'good time' despite having worked far too many 7-day weeks (September 2015)

Tags: #banking #career #london #leadership #agile #scrum #capitalism

This is a story of a ragged trousered philanthropist...

For those who are unfamiliar with Robert Tressell's posthumously published book, it's a story about craftsmen - people with skill and dedication to their trade - who are so passionate about their work, that they virtually work for free.

Are their masters grateful, for the passion and diligence of their employees? No, they just try and exploit them further, asking them to work longer hours and never sharing the wealth that their workforce has generated.

So who is at fault? Well, I think this is a symbiotic relationship, and not master-slave as we would be led to believe by Tressell's rather bitter and overly satirical work of literature. You can't put a price on job satisfaction. As a craftsman, if you have enough money for rent and food, you are generally looking for job satisfaction before extra 000's on your paycheck.

However, what ends up happening is that while fiat currency wealth piles up in the bank accounts of the Industrialists and Capitalists, the real store of wealth is in the brains and muscle memory of the people who built the empire. For every bead of sweat, drop of blood, salty tear that is shed, there is intangible value that becomes locked into that person's experience bank.

The software engineers who built the banking system ARE the banking system, and its store of wealth, especially after Bretton Woods and the abolishment of the gold standard. Before these capital controls were relinquished, the store of wealth was the toil of miners, who had extracted an extremely rare heavy element, created in the supernovae of dying stars, from dark holes in the ground that they had dug, mostly by hand.

Now that I can create money at the stroke of a key, it is unsurprising that it has lost its intrinsic value. Douglas Adams joked about a society of estate agents, whose currency was leaves from trees. Unsurprisingly, this not-so-fictional society had terrible problems with inflation during autumn.

So, we are standing at a crossroads in global banking. We have insisted that our investment banks and insurance companies actually have sufficient collatteral to underwrite the Credit Default Swaps and other securities that they had been busy printing, which reached an aggregate notional value of nearly $60 trillion (i.e. approximately $10,000 for every man woman and child on the planet) despite this figure completely dwarfing the entire value of every company in the world, all the precious metals, all the fiat currency and all the houses and other buildings and land (plus any and all other securities - loans, bonds etc. - you might care to chuck in the bucket).

So that was clearly a ridiculous situation, and as soon as the DTCC had been built and the major counterparties were in the system, the Credit Crunch was allowed to happen so the rich could stay nice and rich. Do you see a poor banker? No.

However, investment banking is just nonsense. The purpose of our banking system should be to grease the wheels of commerce. The most enterprising businessmen, and the most rapidly expanding and profitable companies can grow faster if they are given the capital they need, rather than having to do everything organically... so goes the theory.

What we see instead, is banks lining their pockets at the expense of every man, woman and child on the planet. George Soros famously forced the UK out of the ERM by getting leverage from an investment bank, in order to place massive bets against the Treasury. He is rich, and evey citizen of the UK was commensurately poorer after Black Wednesday. In what version of reality is capitalism working for the greater good of society?

I shan't get into the stride of my tirade, talking about the American dream (which is to be crippled by medical care bills to satisfy the healthcare industry's financial interests) and other bugbears, but I would say that people have been well and truly shafted by bankers and politicians.

There is a silver lining:

If you ask a philanthropist to build you a bank, the wealth can finally flow back to the people (September 2015)

Tags: #banking #career #london #capitalism #computing #apple

This is a story of exploration, at the ragged limit of control...

Promises are easily made, but you have to make good on those promises if you really meant what you said. When I found myself without any money or support to build the startup that would set my conscience straight, for my involvement in the Credit Crunch, and help me back to health & wealth after separation from my wife, I had to think creatively.

I sank every penny I had, plus everything I could borrow from the banks and other commercial lenders (which was a lot... I am extremely creditworthy) into Bitcoin, in August 2013. This turned out to be a rather shrewd investment. Only one friend, Cameron, was wise enough to back me, and I think the return on his capital is likely to have exceeded a lifetime of Governement-backed tax free saving.

Another friend, Will, decided to copy my investment strategy, and had me to manage the purchase and sale of his Bitcoin Miner to maximise his profit. However, he decided to hold and try to run his profits on his Bitcoins, when I was cashing out in December 2013. The losses he sustained from that mark-to-market point, have been pretty eye-watering. Oh well; he's still suckling at the teet of Investment Banking, so he doesn't need the money.

Selling my house, dividing up all my posessions and trying to move what I could to London, as well as divorce paperwork and general breakup unpleasantness, plus having to risk everything just to keep my hopes & dreams alive, was the very last distraction I needed. Doing a startup is hard at the best of times. Moving is stressful. Leaving everything you've built and worked for is heart-wrenching. Doing it when you are unwell... it's enough to finish a person off.

And so, in the first half of 2014 I had to invest in myself. All my profit was re-invested in my health. I parked my dreams of building a social enterprise - a not-for-profit built to salve an aching conscience - built with knowledge gleaned from my obscenely rich masters.

Exactly how rich did I make my masters? Well, software I designed and delivered was responsible for the confirmation of $1,160,000,000,000,000 in Credit Default Swaps contracts in 2008. That's $165,714 for every man, woman and child on the planet. That's f**ked up.

A guy I worked with resigned in moral protest... but he was really just looking after himself: he bought gold at $550 a troy Oz and a chicken farm in New Zealand. I was disturbed by what we were doing, but I'm just a frustrated coder... I knew I could deliver the project for the bank... I didn't know how to say "no".

Scarcity, collatteral, securitisation: the basis for the non-insane version of capitalism (September 2013)

Tags: #startup #career #banking #capitalism #computing #divorce #friends

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