This is a story about volatility...

Most people don't like Mondays. I don't like Wednesdays. I refer to them in my own mind as "whacky Wednesdays" and try and make a mental note not to be travelling anywhere on that midweek hump day. The world always seems to be going bezerk on a Wednesday.

I woke up early this morning to check what the Nikkei - the top 225 shares traded on Tokyo's stock market - was trading at. Money has to go somewhere. When money takes flight, it can run to save-haven currencies, like the Swiss Franc, or it can flow into to other global markets: heading East or West in a follow-the-sun tidal wave. 3 trillion dollars are currently on the move.

Capital can move into scarce commodities like gold when stuff is really turning sour, like it did in the lead-up to the credit crunch. Finally, there are the bond and gilt markets, for the mugs who believe in the power of governments and corporations. Built on top of all these securities are quadrillions of dollars worth of derivatives, but it's very hard to get any sense of what the value of these 'assets' are, and where they're held.

Derivatives are a bet on an underlying security's value. Futures and options are the classic instruments, that allow you to bet that the share price of a company is going to rise or plummet more than the market expects.

The thing about placing a bet is that it manipulates the market. George Soros was famously given so much leverage by the investment banks backing him, that he was able to exhaust Britain's foreign currency reserves and force the UK out of the European Exchange Rate Mechanism, causing the value of Sterling to plummet.

Laughably, people were able to speculate on the outcome of the EU referendum in very much the same way... including George Soros! The amount of commission earned by investment banks on trades last Friday will pay for some pretty good bonuses this year, I expect. The result of the referendum was obvious: speculators had placed such big bets that there was a vested interest in the result.

When a jockey jumps off a horse, or a goalkeeper throws a game, are we surprised? An entire baseball team fixed the world series, for fucks sake. It's basic economics: people respond to financial incentives.

If you want to know what's going to happen, just follow the money.

Vast sums of money flooded out of Kuwait before Saddam's invasion. Loose lips sink ships, but loose lips also make the whole capitalist system go round. How do you think hedge funds know what to bet on? They've got a fucktonne of bent lawyers, who tell them what's happening with every merger & acquisition... that's how!

You can somewhat regulate share dealing: it's obvious when somebody has bought or sold a big stake in a company. But with spread betting, derivatives and FX, there's no record of who was clearly 'insider dealing'.

Opinion polls and equity markets mean jack squat. If you want to know what's going to happen in the global markets, have a look at which way the betting is going.

When it comes to bookmaking, the favourite is the one that's likely to win, right? Well, err, not exactly. A bookmaker's job is to price things according to sentiment not probability. If you want to sell anything, it has to be at an attractive price to your buyer.

So, when we came close to the referendum, there were very generous odds on backing Brexit. What does that say to me and George Soros? We're both speculators. Neither of us hold a position. We've got a big purse of money, and we're going to back a particular outcome, and the bookmakers have baited their hook, looking for a buyer with deep pockets.

In a year where the 5,000 to 1 shot, Leicester, win the Premier League, surely people could see that the generous odds were pointing to something? In a 1 in 20 horse race, odds of 1 in 5,000 are generous. In a 2 horse race, the odds that we would remain in the EU peaked at 86%. Don't you feel just a little dumb, if you think that everybody is playing fair? There's so much money at stake, why would they?

Why do the rich keep getting richer, and the poor keep getting poorer?

Well... the game is rigged you stupid c**ts. From sharp-elbowed parents getting their kids the best places in school, to executives making sure they get a big pay-rise and bonus while holding down the wage inflation of their underlings. This isn't some illuminati conspiracy-theory bullshit. The hard data is right there in front of your eyes.

So, tomorrow, your pension fund gets trimmed still further and your currency takes another hammering. More wealth leaves your pocket and enters the pockets of the guys who know what's going to happen next before it's even happened, because money talks.

I also fear that there is going to be some terrible event soon, because of the forces of hell that have been unleashed by this jingoistic rhetoric, hateful language and right-wing empowerment. I have this feeling of dread that a mosque is going to be desecrated, or another person like Omar Mateen or Thomas Mair is going to commit an atrocity. The tinderbox of hatred has been set alight by those who seek to profit from instability and volatility.

Anybody who thinks that bankers are suffering from the Brexit vote is an idiot. The markets love volatility, and trading floors are making a killing.

Tomorrow is business as usual in the City and with the hedge funds, and the idiotic British public have played into the hands of speculators like George Soros spectacularly, yet again.

Tags: #banking #capitalism #london #europe #politics

This is a story about body shopping...

What's the difference between a temp, a freelancer, a self-employed person, a contractor and a consultant? What's the difference between an employee and an entrepreneur?

Last year I was working for HSBC, along with a bunch of nice folks from several different consultancies, plus a handful of permanent members of staff. The teamwork was brilliant, but the surprising thing was that we all had different agendas.

Given that I had gone back to HSBC as a contractor, having been a permanent member of staff there for over 4 years, it was somewhat of a mindset change. I was also homeless and still very much in the vice-like grip of drug addiction, which wasn't a good start.

I was exhausted, and I had somewhat induced within myself, some fairly major symptoms of mental illness, which caused me to make some rather outlandish interpretations of the reality I experienced.

Imagine being plucked from the park, where you are living and contemplating bankruptcy and the coffin nail that will drive into your career, your business. Imagine facing up to the reality that everything you're qualified and experienced to do, since you started IT contracting at age 20, is now going to go down the shitter, and you're homeless, abandoned by the state - the council have sent you a one-line email saying that you're not even worth a hostel bed to them.

Then, imagine that almost overnight, you're working on the number one project for the biggest bank in Europe. You're so exhausted that you are sleeping in the toilet. Everything seems surreal, from the moment you put on your suit in the morning in a hostel dormitory paid for with a credit card you can't afford to pay off, to the moment you turn up in the headquarters of a prestigious Tier 1 bank that you used to work for, when you were clean, sober, young, happy, ambitious, energetic, enthusiastic and respected.

The challenge was to get through 60 days of working, without running out of credit completely. I had to get to work every day and pay for my hostel bed, for a whole month before I could submit my first invoice, which would be paid 30 days later. Obviously, it also looks rather unusual to your colleagues if you can't afford to eat lunch or socialise. The pressure was immense.

What does a poker player do, if they have a weak hand? They bluff, obviously.

To compensate for my fear, and the odds that were stacked against me, I turned the dial up to 11. I tried hard. Far, far too hard. I told the team that I'd take responsibility for a critical piece of work, and deliver it in a short space of time, along with an extremely capable colleague, who actually knew that it was a monster piece of work.

I should have been laughed out of the door. I can't believe that nobody particularly picked up on the fact that I was shooting from the hip, out of a combination of fear, exhaustion, drug withdrawal, mental illness and a touch of arrogance.

How on earth was my ego not going to be stoked? I had just cheated death, bankruptcy, destitution, and now I had the CIO of the number one project in the biggest bank in Europe surprising me, by naming me in person, as the team member responsible for one of the pivotal pieces of the program, in front of the entire town hall. I looked around - "is he talking about me?" - yes, it appeared he was. How surreal.

As a drug addicted homeless person, you're kind of invisible. People would like it if you just crawled into some dark hole and died, quietly. You're nobody's problem but your own, and everybody pretends not to notice you, as you drag your bags through the street, swatting at invisible flies and talking to yourself incomprehensibly.

Suddenly, people not only seem to value you, listen to you, but also look to you for some kind of professional guidance, leadership. Is this the state that important IT projects have reached, where the hobo junkie is the one calling the shots? I realise that I wasn't actually calling the shots, but that's what it feels like when you've been scraped up from the pavement, stuffed into a suit and now you're working in a fancy office full of glass, steel and granite.

It embarrasses me, but also pleases me that I'm still on good terms with a few respected colleagues, and they can tease me about "the time when you said you were going to deliver X by Y". However, not everything I said was worthless tosh.

This is where the difference in mindsets comes in.

As a permanent member of staff, your best shot of getting pay rises and promotions is to raise your profile. Given an hour to do some work, you might as well spend 50 minutes writing an email about what a brilliant person you are and how clever you are, and 10 minutes actually doing some work, rather than the other way around. People who just knuckle down and get on with the work they're supposed to be doing, tend to be overlooked when it comes to the end of year review.

As a contractor, you're all about contract renewals. When your contract is coming up towards its end, you're on best behaviour. You try to shine and make yourself a key-man dependency, so that you can demand a big rate increase, because you're indispensable. Personally though, I hate making myself a key-man dependency. It's unprofessional, however you are economically incentivised to do it, so many contractors dig themselves into little fiefdoms.

As a consultant however, you have the worst of both worlds. You have to kiss the arse of both the client and your consultancy. There's a huge conflict of interests. The consultancy want you to stay on your placement, and for as many headcount as possible to be working with you on the client project, if you're working time & materials. What exactly is consulting about being a disguised employee? Where is the value-add from the consultancy, when the client wants you to be embedded in their organisation, like a permanent member of staff?

The reasons for using consultancy staff, contractors, temps, freelancers, is that you can get rid of them when the project is done. However, the other reason is that you don't have all the headache of having to performance manage underperforming and difficult staff members out of your organisation. In theory, it's a lot easier to hire & fire... with the firing being the desirable bit.

It used to be the case that you could get a job as an IT contractor with just a 20 minute phone interview and start the next day. If you were shit, you'd just be terminated on the spot. Never happened to me, but that was the deal you struck... you'd be on immediate notice for the first week. Then you'd be on a week's notice. Then you'd be on 4 weeks notice, just like a permie. However, I always used to get my contract renewed, because I know how to play the game, kiss ass and keep my lip buttoned at the right time.

So, what happened? Well, stress, money, recovery from addiction, relapse, housing stresses and everything in-between conspired in my private life to mean that I was living life by the seat of my pants. I was running for my life.

After only a week in the new job, I decided that it was an impossible mountain to climb, and that there was no way that I could live in a large hostel dormitory and work on a stressful project, plus get myself clean from drugs, plus dig myself out of near-certain bankruptcy. There were just too many problems to face, working full-time in a crisply laundered shirt and a nice suit, while hiding the crippling problems in my private life.

You can't just go to your boss and say "I'm sorry I didn't mention this before, but I'm a homeless recovering drug addict, who suffers mental health problems at times of extreme stress and exhaustion, and I'm practically bankrupt as well as barely able to keep myself clean, sane, out of hospital and off the streets". Contracting doesn't work like that. Your personal life is nobody's problem but your own... you've signed that deal with the devil. You get paid more, but you're also expected to not get sick and not bring your personal problems with you to the office.

I disappeared on my second week in the job, getting mixed up with the police, thrown out of the hostel where I was living, and ending up in hospital, as the pressure was simply too much to bear, I thought that my lifeline was pretty much spent. The odds of being able to get off the streets were too slim anyway. It couldn't be done. I gave up, and relapsed.

Do you think you can just pick up the phone and say "errr, yeah, I need two weeks off to sleep, an advance of several thousand pounds, and I'd like to come back to work part-time for a little while until I'm up to full strength, because I've been dragging bags all over London, living in parks and on heathland, in and out of hospitals, rehabs and crisis houses, addicted to some deadly shit and battling mental health problems. It seems silly that I didn't mention this at the interview, as I'm sure you would have been just fine with giving me an opportunity to get myself off the street and back into the land of the living"?

You know what though? I did get a second chance. There's no denying that certain allowances were made for me. A blind eye was turned to the fact that I was basically either shouting at people or nodding off in meetings for the first week. I went AWOL twice. Once for a whole week where I basically decided that everything was f**ked and there was no way I could ever make things work, and once for nearly a whole day, when I was swept up in the euphoria of working with nice people and got paralytically drunk with my colleagues and couldn't face telling my boss that I was sick again.

Through my divorce, I lost heaps of friends who were shared with me and the ex. I decided to move back to London, because I knew I could find lots of work. However most of my London friends had moved out of town, in order to start a family. Also, you don't make many friends when you're living in a park sniffing supercrack, and getting hospitalised for 14 weeks a year. I can tell you more about the private life of a friendly police officer that I know, than I can tell you about some other acquaintances from that turbulent period.

Anyway, I was desperately trying to cement things - get my own flat, get some money in the bank, get into a working pattern that was sustainable - but it was too much to ask. 'Friends' sensed that I was recovering, and decided to come asking for favours : lend me some money, let me live with you, give me a job etc. etc.

When you're desperately lonely, because you've split up with the two loves of your life - your wife, and supercrack - you're vulnerable to wanting to people-please. I risked my reputation, when I got a so-called friend an interview, because he pressured me. I overstretched myself, renting a flat that swallowed up all my money, which was my safety net. I didn't even pick my flat... my friend did, and he thought he was going to get to live there rent free. I put up with a lot of shit, because I was desperate for friends, for acceptance, to be liked.

If you think all this can be boiled down to a 'drug problem' you're wrong. In order for a person to feel whole, they need friends, they need a job, they need a place to live, they need to feel that they're living independently : paying the rent, earning their money, able to pay for the essentials of life, and not always just hustling, on the run.

There are quite a lot of pieces to the puzzle that is a complete life that's worth living. Do you really think I just want to be kept alive, in a straightjacket in a padded cell. Is it unreasonable to want to work, to want to feel like I'm making a contribution, to want to feel like I'm liked, loved, to want to feel like I exist, and that I'm valued somewhere, by somebody?

I loved the instant social connection I had with the "winners" who were a group of fellow consultants at HSBC. There was good camaraderie, and they were young and enthusiastic, not bitter and jaded like me. Their enthusiasm for their job and inclusive social circle was exactly what I needed, along with cold, hard cash, and a place to go every day that wasn't a bush in a park, with a wrap of supercrack.

Somewhat unwittingly - although I don't know how much people were able to guess or find out behind my back - the Winners bootstrapped my life. Even though there were the usual commercial rules of the game, about being a disposable contractor who's supposed to keep their mouth shut and not rock the boat, there was still bucketloads of humanity there. People were kind to me. They invited me into their lives, and in doing so, they saved mine.

When a colleague texted me while I was in California, to say that we had to go back to work doing the shittiest possible work for a scrum manager we didn't have a whole heap of respect for, it was pretty clear that it wasn't sustainable. I busted my balls to get cleaned up, off the streets, into a flat of my own and to restabilise my finances. However, I've never been the best at buttoning my lip and allowing myself to be 'managed' by somebody I have barely concealed contempt for.

I knew that all I had to do to get my contract terminated was to send one or two fairly outspoken emails to the project's management team who were insecure and relatively incompetent. They'd actually started to listen and change things though, so there was no purpose to the emails I sent, other than to try and elicit an email saying "don't bother coming back to work" so that I could spend some more time with my friends in San Francisco.

The pressure of having to try and cement the gains that I had made, while still carrying some of the burdens that had been accumulated, was too much. I was in no position to be the responsible guy, picking up the phone every time things went wrong and having to mop up messes. I was in no position to be paying 100% of my rent, with a lazy flatmate who shared none of the risk and none of the financial burden or responsibility for making sure the bills got paid and the household ran smoothly. I was in no position to face months and months more, working at the kind of breakneck pace that was inevitable on a project that I had been forced to take out of desperation.

I had done far too many 12 or 14 hour days. I was on email around the clock. I never switched off. I had driven myself insane, pressurising myself to fix all the broken things in my life, and shore up the gains that I had made. Insecurity and fear had given way to delusions of grandeur. I wanted to do everything, for everybody, immediately. I was very, very sick, because of the enormity of the task of not only the project, but the problems I was overcoming in my personal life. A breakdown was inevitable.

Managing things elegantly was unlikely to happen. I dropped hints about needing a holiday, but I needed to be firm, to assert myself. People expected me to manage my own personal needs, but what they didn't realise was that my needs were conflicted: I needed a financial safety cushion just as much as I needed some time off. When the offer of overtime was wafted under my nose, and the management team wouldn't stop phoning me up at weekends, they didn't have to twist my arm very hard to get me to work Saturdays, Sundays, nights. I needed the money, and I needed to feel like I was important and valued again, having only just escaped being an invisible homeless bum, tossed out of civilised society, never to return.

My experience as an IT contractor, my seniority as somebody who's run large teams, as a Development Manager, an IT Director, a CEO... I'm no fool. I knew that I was working at an unsustainable pace, making myself sick, but what choice did I have? I had so much to fix, and money and hard work can fix most problems. I knew that I needed a holiday, but I was vulnerable to being pressured into doing things that I would never do, under normal circumstances, due to the fragility of my situation.

My colleagues were kind enough to drop hints, and to tell me the tricks that they were employing to avoid management pressures and the general panic that was endemic on the project. They could see I was tired, and going slightly mad. They were worried, and it was kind of them to think of me, on a personal level. However, they didn't really know just how bad things were in my private life. They didn't know just what a journey I had been on. They didn't know what I was running away from.

When I snapped, I didn't know where to run for safety. I thought the safest place would be hospital. I was desperate. I could easily have run for drugged-up oblivion again, even though I was 5 months clean at that point, and one month sober. I could easily have run for the kitchen knife, and slit my wrists in the bath. I was desperate. So close to recovery, and yet so far.

I needed to chuck my freeloader flatmate out of my apartment. I needed to quit my contract and get something easier. I needed to not have the expectation, the weight of responsibility I had unnecessarily brought upon myself, in my desperate insecurity and desire to feel wanted, needed, useful, important, after my entire sense of self had been smashed to a pulp by the dehumanising experience of destitution.

Hospital was a safe place to do it.

Then, unable to grasp the nettle of what needed to be done, which could have been as simple as saying "I need another two weeks off work, to go on holiday, because I'm fucked", I decided to just run away. I booked a flight to San Francisco, leaving myself just a few hours to pack my bags and get to the airport. What was my plan? I had no idea. Even suicide seemed preferable to continuing to live with such crushing pressure, fear and hopeless odds stacked against me.

After a few days amongst friends, I decided that I wanted my contract terminated, immediately. I fired off a provocative email to the CIO. Jackpot! The guy who was responsible for us consultants emails me to say that he wants to see me... in Wimbledon, miles away from HSBC headquarters. I mail back to ask why, but he deftly avoids telling me my contract is terminated via email, despite me pressing him on the matter. Does nobody get the hint?

I come back to London, pissed off that nobody has had the guts to actually call me out to my face, or even by email, and that I've not been able to extend my stay in California. Out of spite, I decide to embarrass the consultancy and the management team, by going into HSBC HQ, blagging my way in even though my security pass has already been deactivated. I march up to the program director and ask him if he's happy with my work, is there a problem? In front of the whole team, he says he's happy with my work and there's no problem, he's pleased to have me back at work.

I milk a few hello-goodbyes with colleagues who I like and respect, while watching the people who want me gone squirm with discomfort. I'm loving every second of watching who's got integrity, humanity, and who's decided that I'm no longer flavour of the month. It's a masterclass in office politics, even though we're all contractors, all consultants. I'm committing every exquisite detail of my final minutes in the office to memory, as I deliberately waste time having my breakfast, before making my way to Wimbledon to wind up the poor messenger whose job it is to try and help the consultancy and the management team save face, by terminating my contract.

By this time, my access to email has been revoked, even though a colleague who accompanies me out of the building, pretends like everything is normal and like we're just having a friendly chat - as opposed to being escorted off the premises by a security guard. I know. Do they know I know? Surely they must.

Unable to send a goodbye email, I ask a colleague who is also called Nick Grant, but who works in Leeds, to send an email on my behalf to a mailing group that contains everybody on the project. It's naughty as hell, but I'm enjoying twisting the knife. What is it that I've really done wrong, other than getting sick and having to go to hospital? What is it that I said, other than what needed to be said, the truth? But I know the game. I know that nobody wants a loose cannon. Nobody wants anybody rocking the boat. I didn't play by the rules. Does anybody realise that this is my way of quitting with immediate effect, and without having to work my notice period?

It might seem like sour grapes. I needed that job. I liked my colleagues. I loved that social scene. That contract saved my life.

However, how do you reconcile your social life, your personal difficulties, your needs, with the role you've been forced into?

What's the difference between a contractor and a consultant? A contractor knows they're a mercenary. They're there to earn as much cash as quickly as they possibly can, and they accept that they can be terminated at the drop of a hat. A consultant just doesn't realise they're getting a bum deal. There's no such thing as an IT consultant. It's just a made-up thing now that software houses and long-term IT contractors have fallen out of favour, with the dreadful rise and rise of outsourcing and this stupid idea that software is ever going to be cheap and easy.

So, to the Winners. Thank you for saving my life. Thank you for putting up with my rocky start, my dreadful ego, my shouting. Thank you for putting up with my arrogance, and for laughing at my over-ambitious ideas. Thank you for trying to keep me humble, and remind me of the rules of the game. Thank you for taking me into your lovely social world. Thank you for the emotional support. Thank you for treating me like a human being, not a software robot. Thank you for dealing with the fallout that I inevitably caused, when implosion happened. Thank you for not hating me, as I wandered into the territory of delusions of grandeur and heroics, and self-important jumped-up craziness.

You might not realise this, but you saw a rather twisted, weird, screwed up version of me, as I clawed my way up a cliff face of recovery, from the bankrupt, homeless, junkie, friendless, single, lonely, unhappy, insane husk of a man that I was, in mid-June last year.

It's been quite a year. God knows what happened with the Customer Due Diligence project, but I'm glad the due diligence on me didn't work, because the Winners and HSBC ended up unwittingly saving my life and getting me back on my feet. I don't think I would have ever had that opportunity if my dark private life was known in advance.

I'm sorry if it feels like I used you. Hopefully, it feels like a good thing happened. Hopefully you feel happy to have played a role in bringing a person back from the brink, even if I was a sneaky bastard, and somewhat underhand about the whole thing, as well as going a bit bonkers at times.

Silver linings, eh?

The photos I've put up include some rather unflattering images of a rather battered and bruised body, that just about hung together with sticky tape to somehow carry me through some brutal times. My private life wasn't exactly 'healthy' leading up to last June.

Tags: #career #banking #hsbc #computing #london #suicide #addiction #homeless

This is a story about being price insensitive...

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.

Tags: #politics #europe #london #banking

This is a story about working class heroes...

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.

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.

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.

Tags: #career #banking #capitalism #politics

This is a story about jobs for the boys...

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?

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?

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.

Tags: #depression #mentalhealth #suicide #career #banking #capitalism

This is a story about covering your ass...

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.

Tags: #career #banking #capitalism #hsbc

This is a story about the collapse of civilisation...

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.

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.

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.

Tags: #capitalism #banking #politics

This is a story about imitation and flattery...

What's through that door? Well, probably my entire career and every golden opportunity that will ever be presented to me, throughout my adult life.

That North Oxford house, if I've identified it correctly, used to be the headquarters of Daily Information. It was here that on one midweek night, computer games ceased to be a solitary bedroom activity, and instead became an opportunity to socialise.

So important was this place in my childhood, that I can still remember the code for the door behind the front door, that would lead up to my friend's parents' office, which was above the offices of Daily Info.

The main office itself was a fascinating place. There were zillions of flyers and posters pinned up on the wall, as examples of the desktop publishing and reprographics business, which also produces a popular "What's On?" guide for the Oxford area. There were also instructions on how to operate the many pieces of equipment and notices for the staff who worked there. It was a complex ecosystem, so unlike a home stuffed full of static ornaments and pictures.

There were piles of photocopier paper, and cardboard sheets in all colours and sizes. Printer cartridges, ink ribbons, toner, and daisy-wheel heads were piled up on shelves, or stacked nearby the cream-plastic machines that they served. Half-finished print jobs lay on the tops of every available flat surface.

But, the main event, and the thing that a group of geeky and otherwise introverted kids, had gathered there for, were the many computers. There seemed to be screens and keyboards everywhere. There were PCs and there were Macs, and they all had mice and colour screens, which was a big deal back in the 1990's, when people still used to do word processing on green-screen terminals that couldn't play games.

Yes, it was the computer games that we were there for, and between my friend, his mum, and a few willing staff members, they had always managed to coerce all the computers into playing amazing computer games. It was like the most fantastic treasure trove of an amusement arcade, with unlimited tokens to play again and again.

There were single-player games, like Shufflepuck, where you had to play air-hockey against a whole host of fascinating characters of increasing difficulty and deviousness. This was an interesting use of the computer mouse, which mirrored your hand's movements with the on-screen mallet, to try and send an air-hockey puck sliding into your opponent's goal.

However, the thing that I enjoyed the most, was co-operating with other kids to try to solve puzzle games. These were mainly of the point-and-click variety, where you guided an animated character through a world that you could interact with, using a number of verbs, like "push", "pull", "open", "close", "pick up", "walk to" and "use". These delightful creations included such titles as The Secret of Money Island and several Indiana Jones inspired games.

We would would pair up, with one of us operating the mouse, while the other pressed keyboard shortcuts to choose the different operations, while you tried to figure out how to solve the puzzles, which generally involved walking around, opening doors and boxes, picking up items, and then figuring out what to use the items on, or how to combine them together to make some new kind of object.

I idolised this friend who ran the event on a midweek evening, and tried desperately to imitate all the things he seemed to do so effortlessly. I read the same books. I tried to write and contribute articles to a school magazine that he had founded. I tried to learn how to become a programmer, and to create music using a MIDI keyboard, plugged into a computer. I wanted to play all the computer games he liked, which were often the Lucasarts point-and-click adventures, rather than 'shoot-em-ups'.

The bitterness that is so evident at times in my writing, could have ended up repressed and perhaps revealing itself in even more ugly forms, had computing not become a social experience for me, as well as a creative outlet.

Writing has never been my strong suit. When I was about 13 years old, I wrote an article about a computer game that I'd never played, in a desktop publishing program that I was learning to get to grips with. It got horribly mangled as paragraphs got moved around. "Were you on drugs when you wrote that?" my friend asked me, having reviewed it with another friend of his who I never met, on account of him going to a different school. I was put in my place, although not maliciously.

Everything I ever did was a pale imitation of what my childhood friend did, however, it was still immensely fortuitous that I had this role model in my life.

By writing computer programs nearly every day throughout my teens, I gained enough experienced to get a job as a junior programmer, some 3 years ahead of my peers. A few years later, there was a skills shortage because of the Y2K millennium bug, and I was able to get a very lucrative contract. Having held a graduate position for a prestigious corporation, and also been an IT contractor before the age of 21, I was then able to break into financial services and banking, which is normally off-limits to anybody without a good degree from one of the top Universities.

It should be remembered that there are many talented geeks, plugging away at code in their bedrooms. The difference between those who are 'tame' and able to play nice with others, is whether they have had adequate social contact. I was certainly rather removed from healthy social bonds by too much screen time, spent in isolation in a darkened bedroom, hunched over a keyboard.

Through people like the friend I idolise, the joy of computing became a joy of using technology to have a shared experience, to use computers as a mechanism for social bonding. Even though I had to move away from Oxford because my parents relocated the family, I was able to reproduce a little of the magic I learned at Daily Information and the social group that clustered around this one charismatic friend.

I learned how to connect computers together using coaxial cable, and I used to have groups of friends get driven over to the family home, with their PCs. We used our paper rounds and washing-up jobs, in order to buy the equipment necessary to allow our computers to 'speak' to each other, and so we were able to play co-operative games, with each of us operating our own computer.

As a bunch of 14/15 year old spotty nerds, having these early "LAN" (network) parties was amazing, even if we were cooped up indoors for whole weekends, waging virtual warfare against each other. Games like Doom were popular with us, where we just attempted to kill each other, but the pecking order was soon established, and the one-on-one combat soon grew tiresome.

We moved onto games like Command and Conquer where we could have two teams, each in their own "war room" connected by an extra-long cable that I had bought for the specific purpose of separating us, so that we couldn't hear each other's tactical discussions. A game would last over 12 hours, with us playing right through the night.

Because of the inspiration to write and to publish, plus the few social skills I had developed and the exposure to the reprographics and 'typesetting' industry, as a teenager I was confidently able to get a Saturday job for a little company that was like a smaller version of Daily Information, in Lyme Regis, called Lymteligence (yes, it had one 'l' missing, which wasn't very intelligent).

I had used money from my washing-up job at a local hotel to purchase my first modem and get connected to the World Wide Web (Internet) after a rather crappy old modem had completely failed to give a connection to my friend back in Oxford, who I was desperate to stay in contact with. For hours, my friend had patiently allowed his phone line to be tied up, while I tried to coerce some antique piece of hardware that I had bought at a car boot sale, into connecting with my distant friend's computer, but alas, he finally convinced me to give up.

At Lymteligence I learned how to author websites, writing the code by hand. I created a website for The United Kingdom Men's Movement. I remember feeling ethically challenged, as I typed up some of the bitter words of men who had suffered painful divorces. Thinking about it now, I feel that I myself could have been driven into the arms of this movement, had I not had a healthy social outlet for my technological skills.

Although it's shameful to admit, and a little creepy, I would try to keep tabs on my friends I had left behind in Oxford, by being a bit of a lurker on the rapidly developing Internet. However, by doing this, in a way I was able to stay abreast of advancements and trends that would otherwise have passed me by.

"Social media" means Facebook, Twitter and Instagram, today, and perhaps Snapchat and Vine. In fact, there is probably a movement that's already begun that's going to kill these technology giants, that I'm not even aware of yet. I've always been a bit behind the curve.

However, back in the day, social media meant bulletin boards, forums and websites like Friends Reunited. I have no idea how I managed to maintain a toe-hold of social connection with old friends, throughout the disruption of moving away and then our adult lives, but the Internet always provided a way.

It used to be the case that the search engines, of which Google didn't feature prominently until surprisingly recently, used to be very good at digging out which particular corner of the Internet your friends were hiding in, provided they were using their real name, and that name is quite uncommon... and my role model friend is blessed with quite a unique name.

Now that we tend to do most of our Internet social activities on Facebook, you'd be surprised to learn that your privacy is actually very well protected, and you have a reasonable level of control over what people can and can not find out about what's going on in your world.

In 1999/2000 I was living in Winchester in Hampshire, UK. Things were going well with my career, but I was struggling socially. Through a housemate, we ended up in the NUS (student) bar at Winchester University. I was leaning up against the table football table, when somebody behind me challenged me to a game. I turned around and realised that it was one of my fellow Daily Information computer club friends, and a guy who I went to school with since about the age of 5.

Reconnecting with an old schoolfriend was great. I had been back to Oxford, in order to show off my company car and boast about how well my career was going, but it was crushing inadequacy and a sense of loneliness that had driven me to go back there. I had even been quite evil and immature, and had wanted to exclude certain friends and monopolise other friends' time, in order to try to salve my insecurity. I was still a deeply troubled, lonely person, expressing that in very unhealthy ways.

Shortly after that chance meeting, I picked up a local newspaper and read that somebody had been electrocuted, while trying to take a short-cut underneath some parked railroad carriages, in order to get back to his University halls of residence. It was our childhood friend. Killed, through a momentary lapse of judgement, while under the influence of alcohol and the excitement of a fun night out in town. Tragic.

This put me - the lurker - in a really strange position, in terms of grieving. I later discovered through the Internet that my friends were attending the funeral, but because of the sense of distance and the shame of admitting that I had been somewhat jealously following our old social group from afar, like a stalker, I didn't know what to do. I procrastinated until it was too late, and the funeral was over.

There used to be so much stigma associated with using the Internet as a means of human connection. Admitting that you met your partner through Internet dating was likely to instigate stifled sniggers and snide remarks about axe-murderers and weirdos. I guess I am a weirdo though.

I don't know whether it's a British thing, or perhaps a function of a lonely childhood and being a needy, oversensitive person, but I'm kinda always struggling to articulate my needs and ask for what I want. I don't even admit to myself, what my fears and unmet needs are.

Writing this blog has been a journey for me, but it's taken me further than I would have ever expected. One leg of the journey was 5,351 miles, and took me to the hometown of a bunch of my idols and role models.

Is it creepy, is it weird, is it an unpleasant amount of pressure, knowing that in some sense, a friend is looking to you for guidance and direction? It must be, a little. Why the hell do I never seem to have grown up and gotten over childhood infatuations?

For me and at least one other friend, our mutual friend has provided at least some of the inspiration for our careers. In a way, I at least owe this friend a debt of gratitude for my financial security and the fact that a lot of doors are open to me, for career opportunities. I know that he shared with me at least a twinge of regret for having perhaps nudged one of our friends down one particular technology path.

Who knows what are going to be the knock-on effects of the connections we make with one another. Who could have foreseen that I would have taken the wealth that I generated so effortlessly in the highly paid tech sector, and use it to implode so spectacularly in my mid-thirties.

Of course this is not about blame, but instead, I feel this great sense of responsibility. I feel that there are certain individuals who I am crippled with shame, to imagine reading my sorry tale and thinking "what kind of monster has this guy turned into". I imagine their disappointment, and it slays me.

Where do we look for guidance and inspiration from in the world? Our parents? Well what if your parents don't provide it? In fact, what if your parents provide a cautionary tale for how not to live your life? I don't want to go into the details again, of why I don't want to follow in the footsteps of either of my parents, but suffice to say, I've always been looking to people outside of my family, to provide feedback and inspiration in my life.

So, I'm fessing up. That's what this whole blog has been about. I'm playing up like a kid and wanting to test my boundaries. When is some parent-like figure going to stand up and say "stop that!" so that I know I've gone too far? When is some authority figure going to step in, and tell me that I'm out of line, and give me some guidance on how I should think, act, speak?

Being given stacks of cash, relatively few responsibilities and no social structure around you, to tell you when you're taking things too far, when you're getting yourself into trouble, when you're wandering too far from the flock, when your ideas are getting too outlandish, when unpleasantness is rearing its ugly head. You probably take it for granted, the checks and balances that exist around you.

So, I'm making an appeal, to people from every period in my life, from every stage in my development: from childhood to adulthood, from Oxford, to Dorset, to London, to Cambridge, to San Francisco, to Prague, to France, to Brazil, to New Zealand. I'll travel round the world a million times, if somebody can just reach out and give me some kind of reality check.

I'm pouring my heart and soul out into the chasm of the Internet, hoping to make a connection with people, hoping to trigger some kind of response. I have no idea how I'm received. I have no idea how I'm perceived.

Yes, it's needy and yes, it's kinda pressuring people to say something where it seems impolite to even ask for feedback. We have lots of phrases that kinda shame people into keeping their mouths shut, like "emotional blackmail" and "attention seeking". If somebody even came out and accused me of such things, at least I'd have something to reflect on.

Everytime I ask somebody a direct question, they seem to think that the kindest thing to do is to spare my blushes, but I don't know whether to trust my own instincts, or actual concrete feedback that I've received.

For example, I was living with some friends, and it was only over dinner one night, when I had moved out of their house, that my friend finally let me know what he really thought and felt. The fact that the truth was suddenly unleashed was brutal. There was real pent-up frustration and having it all released all at once was too much to bear.

I just contradicted myself, didn't I? What an awful, needy, demanding person. I want honest feedback, but I want it little and often. I'm asking for people to give me a reality check, but I'm also admitting that the last time that a close friend fired both barrels at me, I nearly committed suicide. Who wants that kind of responsibility?

But, you know, the takeaway from this is that I didn't commit suicide, and even though that friendship was really badly damaged, at least it moved things along. I was in limbo before... really unsure of what was real, what I'd overheard, what was being said behind my back. It's an impossible way to live, like that.

I'm adrift in a vast ocean, with no tether to any fixed objects. I have no point of reference. I couldn't tell you which direction is which, and where I'm travelling from or to. I'm rather lost.

A friend got in contact earlier in the week, and offered their impression of something I wrote - noting that I had become bitter again - as well as some advice. I can't stress enough how this was like gold dust to me.

I'm not sure you realise how disconnected from the world I've become. I don't have any normal healthy friendships anymore, or regularly see people who I've had a long-term relationship with, knowing me for years, so they can comment on how I've changed. So many people have become just another 'like' on Facebook.

As a friend who I chatted to via Facebook messenger today said, we know what all our Facebook friends position on Britain leaving the EU is, but we don't know what's going on in the lives of those who are not sharing anything personal, except political opinions. There's a vast difference between the occasional reminder that somebody is still alive, because they're active on social media, and actually looking somebody in the eye, when they give you the British knee-jerk reaction of "I'm fine" when you ask how they are.

I appreciate I've written a lot, and huge amounts of it is virtually unreadable. Also, long bitter rants are not exactly pleasant reading, nor do they paint myself in a particularly favourable light. Who wants to know that angry venomous twisted person, hunched over their keyboard, blindly firing resentful and blame-filled missives into the void.

If you've persevered this far, I'm ashamed of myself. I think about all the stuff you must've read, and what you must think about me, but of course this is conjecture. I admit, I am trying to cajole you into giving me some feedback.

You know, I often think about how immature and childish I am. I often think that everybody is in the same boat, and we're always going to be left wondering how other people perceive us, and what people really think about us, to some extent.

It's easy to dismiss a lot of what I'm wrestling with, as just a standard part of the human condition. I'm also reflexively programmed to offer up neutralising statements, as standard, such as "I don't think I'm special and different" and "I know that my life is no more stressful and turbulent than yours".

The engine that drives this verbal diarrhoea is the fact that I do feel insignificant and worthless. I'm driven to try to anchor myself back into the world of the living, given that I have been hospitalised so many times with suicidal and self-harming behaviour. In a lot of ways, I feel justified in telling people who want to guilt-trip me into suffering in silence to shove their "you're not special, shut up" statements up their arses.

How does one go about fixing the very real and practical things, such as figuring out how to live amongst your friends once again? Sure, I can reconnect with people, but if they don't like who I am and what I say, what hope is there of there being any lasting relationship?

Anyway, this stuff is always cringeworthy and difficult to read, so I'm going to leave it there, as an open letter to my friends and acquaintances. An appeal to human connection, and the feedback that is essential for social bonds.

It's mighty cold when you're out in the thin atmosphere of the outsider, frozen and clinging onto life.

Tags: #friends #childhood #oxford #career #computing #socialmedia #suicide #depression

This is a story about ingratitude...

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.

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?

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.

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.

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.

Tags: #career #capitalism #banking #suicide #depression #parents #family #childhood

This is a story about being a contrarian...

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.

Tags: #banking #capitalism #parents #family