Tag: career

Self Medication (Part One)

This is a story about psychoactive substances…

Here’s an example of the kind of run-of the-mill parties I used to throw for all my friends. I once spent £700 on sparkling wine during one particularly lavish garden party. I think I was a bit of a ‘lush‘.

Drinking culture is sometimes celebrated. Certainly throughout the City, we thought it pretty normal to be slightly sloshed at our desks after lunch quite often. After work was carnage. A copious amount of alcohol was consumed by all involved.

I worked for HSBC for a little over 4 years, and JPMorgan for a further 3 and a bit, before my body really needed a break. At my leaving do I was downing shots at 4am with an alcoholic who later needed a liver transplant. The consumption was unchecked and rampaged out of control.

So, I’ve not been drinking for 52 days and I don’t go to Alcoholics Anonymous meetings, so I can’t be an alcoholic, can I? The definition of somebody who is an addict or an alcoholic is somebody who can’t stop taking a substance, despite the detrimental effects on their life. Seeing as I don’t drink or take drugs, I can’t be an alcoholic or an addict. Quod erat demonstrandum.

In fact, I’m not somebody you normally meet. I don’t drink tea, coffee or other caffeinated beverages, such as Coca-Cola and Red Bull. I don’t smoke. I don’t drink. I don’t take any medication. I don’t take any legal or illegal drugs. That makes me a real oddity.

People like to say “I can quit anytime I want” and are particularly adept at avoiding their most obvious addiction… caffeine. I’ve written about it before, but it’s worth reminding people… you’re probably addicted to caffeine but in denial. You need to give it up for over 3 days to really experience withdrawal, because you have reached steady blood-plasma concentration which means that it will take that long before you start feeling the withdrawal and cravings.

So, basically, don’t lecture me on addiction until you reach the level of clean living that I have achieved. I’m not lecturing you. I’m just giving you the facts and telling you why I won’t listen to a hypocritical word you say until you prove your ‘willpower‘ to me.

On the topic of mood stability: I self-medicated successfully for years using caffeine to fight depression & somnolence, especially during winter. I used alcohol to calm my anxiety and racing thoughts, and treat my insomnia. I had a high-powered job and successful career throughout, so it’s hardly like anybody can argue that I was not extremely adept at self-medicating.

Except that one day, my body decided it had enough. I was struck with extreme fatigue and depression that was completely debilitating. If you say “oh just get out of bed and stop complaining” after somebody has worked as many hours as I have done, don’t be surprised if you get punched in the face.

It’s not a competition. Except that it is. There’s an arms race in the City. Who can stay later than their boss to try and impress and get that big bonus. And then when everyone has stayed later than the boss, the game is to stay later than each other. How late can you send an email to the boss, basically saying “just leaving the office now [you should know that I won the prize of working hardest]“.

Sadly, that’s pretty much how the bonuses and promotions get decided… who’s worked the longest hours and raised awareness of just how hard they’ve been working, louder than anybody else. If you want to get to the top of the pyramid scheme you have to clamber over the other clawing bodies in the pit with you.

Getting ahead in your career is also dependent on how well you handle your ale. Yes, there is a lot of machismo in drinking culture. Going home and not going out drinking can damage your career. You need to be seen to be seen. You have to wait until everybody is so drunk that nobody remembers you leaving, before you slope off home.

So, between strong coffee and lots of beer & wine, that pretty much fuelled the first 11 years of my career. It certainly worked, in terms of pay & promotions, but it cost me a lot in terms of health. Not obvious health, like having to have a liver transplant luckily, but more subtle than that. My body & brain are just not very good at managing without stimulants and depressants to manage my mood… I’ve been drinking heavily with workmates since the age of 17.

So, if you think I’m less of a person for struggling with my moods and you are looking for an obvious thing to point the finger at, you are going to be disappointed if you want to point at drink & drugs, because I’m abstinent from both.

You might also want to consider your own relationship with alcohol and caffeine before you brand any labels on anybody. You would be surprised to learn about your own ‘addictive personality‘.

There’s actually no such thing as an addictive personality. We are all programmed to like food, sex, gambling. Our brains are all affected by plant alkalis and alcohol and other substances that will cross the blood-brain barrier. You’re no different from me.

That is all.

Cheers! (July 2009)

Tags: #addiction #drugs #mentalhealth #career

15 November 2015
Existential Crisis

This is a story about intrusive thoughts…

I’ve never been able to find the ‘off‘ button for my brain or my mouth. That’s a problem.

I also have a rather photographic memory, and can construct well reasoned arguments based on evidence. Most people just tend to go with their gut feeling, and are happy to be wrong about things, because what they want to be true feels more natural to them. Being wrong is also great if you want to carry on living your decadent hedonistic life in ignorant bliss of the suffering that it causes to other people.

Sadly, if you have a rational, logical brain, good memory and you have collected a lot of varied experiences from around the world, so that you can compare and contrast everything that you see and integrate it into a ‘big picture‘ then you have a limited tolerance for small minded people.

Yes, this is extremely condescending. Sorry about that.

So, fundamentally, I lost my job went homeless and wailed at the moon because of an existential crisis. The first thing I did when I got back to London was to sign up for a Philosophy course. I feel that I have died a thousand deaths, and I fear not one more. My priorities in life are a little different from yours.

The bottom line is this: all this talk of ending war & poverty is hot air. Many years have passed since the so-called ‘enlightenment‘ and we are still allowing evil deeds to be committed in our name. You cannot fight for peace, just like you cannot fuck for virginity.

The war on terror is terrorism. Look at the faces of refugees fleeing the illegal wars in the Middle East. They are terrified.

That is all.

Tags: #homeless #terrorism #notanonymous #politics #career #london #bipolar #politics

12 November 2015
Eyes Passim

This is a story about turning a blind eye…

I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

How do I know I’m going to lose my contract? Well, I’ve rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called ‘hard‘ currencies are the new way that wars are waged and nations enslaved, and I’m not OK with that.

It’s pretty clear that a crash is inevitable now, but I don’t want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

Anti-capitalism is wrong. It’s the perversion of capitalism by ‘rigging the system‘ like Bretton Woods, that is wrong. It’s the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It’s the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

I’m really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I’m not out to hurt anybody. I just couldn’t live with myself knowing I stood by and didn’t do anything when evil deeds are afoot.

Even if they’re not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn’t even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It’s all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

So, wish me luck in the morning.

I wish I was a cat and I didn’t know any better. Ignorance is bliss (October 2014)

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

5 November 2015
Due Diligence

This is a story about social engineering…

The first rule of bus stop club is: you don’t talk about bus stop club. The second rule of bus stop club is: you don’t talk about bus stop club. The third rule of bus stop club is: don’t jump off the bus stop… it’s quite high.

I work on the Customer Due Diligence project for HSBC. We are expected to do due diligence on 48 million customers in 61 countries worldwide. HSBC is not very good at due diligence, mainly because they won’t listen to the experts.

When I was employed – as a disguised employee – by HSBC to work on the project, I was no fixed abode (homeless) and I was at the limit of my overdraft and credit cards. I had no income. I guess that technically made me bankrupt… except that it took me 4 days to get the job. That’s a record… it normally takes me less.

When you are honest, hard working, dedicated, an expert, passionate and have integrity, you don’t tend to have a lot of problems finding work. My main problem is finding anything that I’m interested in doing. Making the lives of 48 million customers a little better, and trying to save 245,000 jobs and create 13,000 new jobs is interesting to me. That’s why I got up and went to the interview with HSBC.

So, this sounds super arrogant. Yes, sorry. There’s absolutely no doubt that I’m only a very small cog in a very big machine. However, try buying a Rolex watch and removing one of the little cogs and see if it still works.

Teamwork is what gets stuff done, but every member of the team needs to be valued equally. Equality is important. Valuing people is important. Everything is awesome when we are part of a team. Everything is better when we stick together.

Here’s me going to my interview… just opposite the bus stop where me and my other homeless friends hung out. I actually wasn’t going to go… there were far more interesting projects at Meganews Corporation, Mega Credit Card, Mega TV Station, Mega Investment Bank(s), Mega Petroleum Company… London is not short of roles for software engineers. The agent convinced me to get up, have a shower, get dressed and go to the damn interview. I was glad that I did.

The way the whole system is set up with economic incentives, meant that rules were probably bent in terms of background checks. Nobody cared that my credit score was probably terrible – living on your credit card because society has abandoned you, is not great for your computer credit score. Nobody cared that I was no fixed abode (homeless) because the whole thing was arranged via email and mobile phone.

I guess this was an experiment in social mobility. I can tell you where all the ‘gates‘ are that will prevent the ‘wrong sort‘ of people from getting ahead. I did nothing illegal or fraudulent. I was just trying to get myself off the streets. I was just trying to move from surviving to thriving. I was barely surviving. I had countless hospital admissions in 2014 and 2015. Living on the streets and in hostels is hard.

Imagine being in a 14-bed dormitory with your one suit. Imagine how many people there are snoring in that room. Imagine how many people want to use the one bathroom in the morning. Imagine people knocking your ironed shirt off the bunk bed where it was hanging up, onto the dirty floor. Just put it in the washing machine, right? Oh… you share that washing machine with 120 people? Oh dear.

I used to go and sleep in Royal Kensington Park Gardens or on Hampstead Heath just to get some damn peaceful sleep. The sound of snoring and smell of sweaty bodies just gets too much to bear at times. Yes, sleeping under the stars and waking up to beautiful views like the one above is kinda sh1ts and giggles… when the weather permits.

Yes, you have to be very in tune with nature, with the weather and the seasons, if you want to survive. You also need some really high quality gear. The only reason why I was able to cope through a pretty rough patch is that I’m well trained and disciplined. I have the Dorset Expeditionary Society to thank for that.

I can live small and neat. Take only photographs, leave only footprints. Park rangers used to leave me alone because I would be camping out with nothing but respect for my environment and mindful of the fact that I’m just one of millions of Londoners using the incredible green spaces.

Fundamentally, we are animals. We are animals that need to sleep and eat. We need to be warm and feel comforted by the presence of each other… we are social animals after all. We were not supposed to be isolated in a concrete jungle, surrounded by glass and steel and right-angles that would never appear in a natural setting.

I am also seasonally affected. I think it’s bad enough to say that it qualifies as Seasonal Affective Disorder (SAD). When the clocks go back and the days get shorter, I feel the need to hibernate. I get tired & depressed. Especially if my employer is not particularly supportive about me taking time out to top up the sunshine that I need to live. I’m literally solar powered… we all are.

Frankie the cat in his natural habitat. He loved his garden. So did I (June 2007)

Tags: #homeless #frankie #banking #career #london #computing #mentalhealth #hsbc

3 November 2015
Stress Test

This is a story about reaching the limits…

We are about to enter a consumer debt crisis. Credit Crunch 2.0. How do I know this? Well, I don’t see any joined-up-thinking in retail banking, but I do see all the signs of a bubble about to burst.

In Germany, there is a central system that tracks what money is owed between every company. When you raise an invoice, you enter it in the system, and that way, you can see who owes who, and how much. You can do something called netting where all the balances are totalled up and you can then see exactly who’s in debt and who’s in credit.

The Germans have got that spot on. We need to know where the bad debt is, so we can contain toxic companies that are trading recklessly.

We don’t have anything similar for consumer debt.

The credit-scoring system is only useful when people are applying for more debt. When they get into a debt crisis, they only show up when they start defaulting on their loan repayments, get to the limit of their overdraft, can’t make their credit card minimum payments, default on their mortgage etc. etc.

I worked in Debt Management in 2012 and I listened to many phonecalls with ordinary individuals who didn’t do anything reckless, but got caught in a debt trap. They were encouraged by consumer lenders to take out more loans to cover the last loans, and then payday loans to cover the interest, and before you knew it BOOM they were as good as bankrupt.

Personally, I hadn’t been in debt since the age of 19 or so. This is unusual. I paid the deposit on my house. I paid for my wedding. I paid for my cars. I paid for our holidays… all with cash I had personally saved. The only way that was possible for me to do this was with way above-average earnings. This would have been impossible for anybody who was earning average wages.

I didn’t really know what it was like for an ordinary person, living on an ordinary wage, in an ordinary way.

There was a huge amount of interest in my Debt Management startup, when I tried to found it in 2013. People still email me about it today. People still remember. I only worked on it for a short amount of time before I was consumed by my own ordinary life event – a divorce – which tore my stable world apart.

I wanted to let out our house, so that we had steady rental income, and I was able to defer the stress of financially settling the divorce until I had re-established myself back in London. I begged my wife to allow me to secure my life before she rained fire and brimstone on my head. She undermined everything I tried to do to protect myself.

By the time 2014 started, I had managed to keep my finances ticking over with Bitcoin trading, but she had wrecked me. When the house sale money eventually came in, I was in no fit state to work. She had destroyed me. I could have sold the house in 6 weeks. She managed to drag it out to 6 months. It was fine for her, she was staying in Bournemouth and she had a job. I had to rebuild my entire life.

I had a huge cash pile, but I had been stress tested to the limit and beyond. I couldn’t work. I had to go to hospital. I was a wreck.

So, I ended up spiralling downwards. I didn’t borrow money, but you sure rip through it if you’re unwell, living in London and trying to support yourself getting better. Especially if you can’t afford to sit and wait for state support. It was a Catch 22. London is where friends and my work network are, but it’s certainly not easy to get any help from over-stretched boroughs. I had to turn to the private sector. That cost me a lot of cash.

So, I don’t really qualify for state support… that’s right. Why should I take something which I could afford to pay for privately? Only I couldn’t really afford it… I got well, but then I had no personal safety net any more.

I spent all my money keeping myself alive. I had yet to thrive.

Other people are very good at spending my money. My ex totally forgot that I paid for everything. She felt entitled. My ex flatmate, John, went overbudget on a flat that he didn’t pay a penny towards, and even took some of my furniture with him when he left. He felt entitled.

Why do people feel entitled to come and pick my pocket? I’ve got nothing left.

The banks have done very well out of me and I’ve defended them. I’ve not claimed my PPI that I’m entitled to. I’ve not frozen the interest on my loans and had unfair credit charges refunded to me. I could – in fact – just throw down my tools, and say sod this for a game of soldiers. I’m trying to prevent a domino-effect of systemic failure in the banking system, which would see bank runs and total carnage as the whole system deleverages in an extremely inelegant way.

I’m trying to help my masters avoid such a crisis, but I feel like ground zero at the moment.

I need to go to work tomorrow, but I can’t. I’m not well. I have been stress tested to the limit, and it’s broken me.

Poor Frankie lost his home, which was his castle. Look how relaxed and happy he was there in his lovely big bed (June 2008)

Tags: #divorce #mentalhealth #frankie #banking #career

1 November 2015
Plans to jump off building. Hate life

This is a story about thought experiments…

I had 50 minutes to draw something while in hospital. I drew this. I have been thinking about it since I lay dying on the floor, unable to move a muscle except my eyes, diaphragm and heart. My urine was like orange juice and full of blood.

I considered that dying would be a regretful waste, because I wouldn’t be able to tell anybody what it was like to die. I decided that if I discovered I was immortal, it could corrupt my morality and I would eventually use that knowledge to my sole advantage. I also considered how embarassed I would be to ‘meet my maker‘ in the full realisation that I p1ssed away my chance to learn anything from the situation.

Bizarrely, I then conceived a thought experiment, as I lay on the floor. This addresses The Measurement Problem in Quantum Physics. The problem is this: how do you separate the experiment from the scientist who is conducting the experiment? By taking a measurement you are actually part of the experiment. We see this in every experiment that attempts to measure Quantum weirdness.

Then, seemingly ‘miraculously‘ enough of my muscle was broken down by my body so that I had enough energy to get up and phone for help. I wasn’t out of the woods though. I nearly lost my kidneys. There was a lot of muscle damage too. So, just biology, and not really a miracle. I’m not a God bod now… although I did become agnostic at this point.

My thought experiment is a variation of Schrödinger’s Cat, where two brave (or suicidal) scientists willingly enter a soundproof box, with a soundproof wall separating them. They then have to press a timing device for each other that must be pressed once every 2 minutes or else the timer will reach zero, and a captive bolt will pneumatically be driven into the brain of the other scientist. Given that there is a co-dependence on each other, if one scientist dies, so will the other.

As an additional twist, if the two scientists press their buttons at the same time, within n milliseconds of each other, then they are both killed by the captive bolts.

We can then start to tweak the parameters of the experiment so that we dial in a known probability of our scientists being killed. With 120 seconds of possible button push time, and 1,000 milliseconds in a second, we might hypothesise that there is a 1 in 120,000 chance (0.0008%) of both buttons being pushed within the same millisecond, which will trigger the event that leaves our scientists dead.

So, what if our suicidal scientists press the button 60,000 times? Well, then the probability that the 2 scientists will be dead when we open the box is 50/50 . This is equivalent to Schrödinger’s Cat, except that 2 scientists are both alive and dead, rather than 1 cat that is both alive and dead, until we open the box.

So, what if our suicidal scientists press the button 120,000 times? Well then the probabilistic prediction is that there is a 99% chance that the co-incidence would have occurred. We would be very surprised to open the box and find two living scientists. However, there is still a possibility that – no matter how slim the chance – they could have played Russian Roulette with a 100 bullet revolver loaded with 99 bullets, and somehow managed to fire the empty chamber.

So, what if the scientists playing the game keep playing and playing and playing and playing. What if they eventually grow tired, having run many millions, billions, trillions, quadrillions of iterations, and they are still alive and button pushing? What if they decide to rip off the equipment and step outside the box? What would they know?

They would know that Quantum Theory’s prediciton of immortality is very likely to be correct (Many Minds interpretation) and also know that this can be communicated beyond a single conscious surviving mind.

I know that this is very messed up. Similar thoughts troubled another JPMorgan IT bod to the point where he took his own life.

However, we can’t ignore the predictions of a fundamental theory that seems to be borne out by the experiments that we can conduct ethically. But why are we asking intelligent people to do stupid jobs? Is that ethical?

I have always had a passion and aptitude for science and art, but we are all in a debt trap. Without the brain draining work of Global Banking IT, I could never be debt free. My myopic ex-wife got greedy. She now has a paltry amount of rapidly devaluing fiat currency, rather than a tangible freehold property asset.

This is the kind startup I really want to be working on.

I started building this but my divorce nearly destroyed me (October 2013)

Tags: #physics #depression #suicide #mentalhealth #NHS #startup #career #divorce #banking #capitalism

22 October 2015
The Passive-Aggressive Pedantic Pacifist

This is a story about being patronised…

This is my cat, Frankie. He was the kitten that nobody else picked. He’s the most loving cat you could ever hope to meet. He loves humans. He thinks he’s a little doggy, and follows you around and licks your face and stuff.

I think that I provide a nurturing and loving home for people and animals. I don’t have a lot of evidence for this, but my friends used to love coming to my house, before it was sold, and Frankie used to call it home, and be a happy well-adjusted kitty there.

I’m going to switch this blog from telling you about me, and tell you the story of two Franks. First, there is Frankie my cat. Second, there is Frank: my homeless friend from Primrose Hill. I promised Frank that I would tell his story, and in telling Frank’s story, I inadvertantly became entwined in it.

This is me climbing the hill, where I met Frank. I had no idea I was going to meet him. I was just taking photographs of London’s skyline at daybreak. I sat down to rest on a park bench, struck up a conversation with a stranger, and our story began.

Frank’s needs were not hard to understand, and seemingly not hard to address. As a firm believer in direct action, I was galvanized into a blur of activity. Who was I trying to save, him or me? Who cares… nobody else was there for Frank. Were you there for Frank? No. A lot of people had let him down. I had the time and the means to be able to try and help him.

Try is the operative word here. I’m going to try and not spoil the ending – which is going to be easy because we are writing the future as we live it – but I should let you know that this is no fairytale. I’m certainly not the knight in shining armour here. Despite my initial patriarchal attitude, it was me who learned from Frank, not vice-versa. He ended up helping me more than anybody could surely have predicted. I will leave it up to you, dear reader, to judge (with your super judgey-judgey face you reserve especially for people like me… whatever box that is you’ve tried to put me in).

So, what did I do? Well, we had a normal human conversation. Who knew that this is how human relationships are formed, and bonding and empathy can occur when we do such a thing. This so-called ‘human connection‘ seemed to somehow transfer some understanding of Frank’s fears and needs, into my brainbox, whereupon I somehow naïvely imagined that with whatever surplus I had, I might be able to help with some of his basic needs.

I defend thinking that I could help. You can’t just throw money at the problem, but what have YOU tried yourself? Sure you read in a newspaper that we spend X on dealing with problem Y, and you think “that sounds like a lot of money” but really is it? How much direct support actually reaches people on the streets?

We absolutely can not criticise those who are trying to help, and take it from me, there really are not enough resources (shelter, food, volunteers, money for full-time workers and the real estate that is needed) to go around. This might sound anecdotal, but just use your eyes. Do you think people choose to sleep rough on the street? Are you stupid?

While you’re digesting the fact that I just insulted your intelligence for being so prejudiced about the homeless, here’s a photo of the view that Frank and I were enjoying on our park bench. Seems like a pretty sweet life, huh? Imagine waking up to this view every morning.

Have you noticed that it’s not sunny every day? Have you considered that it rains a lot in the UK? Are you aware that it’s pretty cold for most of the year, especially at night? Have you thought how you would stay warm & dry, if you had to sleep on the street year-round? How would you keep your clothes and sleeping gear from getting sodden with rain and dew? How would you stop your stuff from being stolen? Have you thought how much of your life you take for granted?

Is this too challenging? I know that it is, but I don’t really care if you want to bury your head in the sand. I don’t actually care if you switch off, disengage. I’m not writing this for you. I’m writing this for me & Frank. Maybe I’m just writing it for me, but it’s still about Frank and it’s still true. Try and dismiss me, try and dismiss this… go on!

JPMorgan Chase & Co investment bank employee and home owner tries to help homeless guy… coincidentally becomes homeless himself and follows in the footsteps of Frank. This is the true story I’m going to tell you.

I asked a member of Her Majesty‘s Constabulary (a Metropolitan Police Officer) to be a witness to me fulfilling the first of Frank’s needs, right there and then, on the spot. Frank did not have a mobile phone, as he had been mugged. Without a means of contact, the Safer Streets team have very little way of finding people, except if they are sleeping somewhere obvious where they are preyed upon by muggers… Catch 22. I gave Frank my iPhone, and had a passing Policewoman witness the giving of this gift, in case he was ever accused of theft.

This was just the beginning of a journey that entangled the tale of Frank with mine, as we travelled on a similar voyage, through the same social ecosystem and his story became our story.

I took photos, and made notes throughout, but you have to believe me when I say that nobody would choose to go through what Frank and me went through. Nobody could plan for it. Nobody would want to experience it. Nobody should have to go through it, and I plan to share our journey, in the hope that people can empathise, rather than dismiss.

If you think “I’ve heard it all before” please share any links to those stories in the comments section below. Don’t you think that the people who fall between the cracks should have their stories told? I do.

From high up, we see just how far we can fall (October 2013)

Tags: #homeless #frank #frankie #london #banking #career #police

13 October 2015
Will You Sleep Out With Us?

This is a story about bridge burning…

How many of us are afraid to declare the causes we support, for fear of impacting our professional reputation. Does supporting mental health and homelessness charities make me look somehow less corporate, and consequently, make me less employable? Does the fact that I have even experienced these things first hand make me unemployable?

In fact, if my employment options became coincidentally curtailled at the same time as I have started blogging, despite a successful full-time career of some 18+ years, it would not take a brain of Britain to recognise that this must be because of institutional discrimination, which is probably illegal.

There is absolutely nothing to suggest that I am any less able than any other candidate in the job market, and in fact, my history makes me more of a ‘catch’ to a potential employer: the man who has nothing has nothing to lose. Plus I have been ‘stress tested’ to the limit and beyond. I know exactly where those limits are, and I can empathise with my colleagues when they are under stress and pressure.

When ‘sh1t goes bad’ who do you really want in the bunker with you? People who have never been in that kind of situation before, and are therefore an unknown quantity, or people who know their personal breaking point.

I’ve been in some hair-raising situations, both through choice and by accident. Challenging yourself, and being challenged by things that are out of your control, teaches you how to handle stressful situations. A certain amount of training, discipline and drills will prepare your muscle memory to pull the “parachute rip-cord” to use a layman’s term. But how do you deal with the long plane journey up to 13,000ft? How do you mentally prepare to throw yourself out of a perfectly servicable aeroplane?

Worse still, how do you prepare yourself for people yelling at you and telling you you’re an idiot? People do this because they are scared and have lost faith in your leadership. People believe that pain and fear can be magically taken away by those in positions of authority.

Losing authority can be dangerous, especially if you are the leader in a dangerous place. Generally, most people don’t know what to expect when they are entering an extreme environment: the mountains and the sea (the poles and the deserts too, but I don’t know much about those places, yet).

Let me tell you about crampons. These are a spiked device that attach to your feet, so that you can move safely on ice. I always shake my head in disbelief at people who are blunting an expensive pair of crapons on rocks. If they do encounter any ice, they will certainly not be effective if they are not sharp.

Let me tell you about ropes. These long flexible cords are no use at arresting a fall unless they are attached to something solid. In order to attach a rope to a mountain, you will need a whole load of other heavy metal gear that will need to be secured to the rocks, and the rocks themselves will need to be large and heavy and generally immovable.

So, if you see climbing parties with crampons and ropes, moving on snow – in an area with no glaciers – then these things are only there as a confidence trick. The fact is, that there is very little stopping you from plunging to your death, even with ropes & crampons.

I personally, don’t like to be weighed down with unnecessary gear. It’s not about not being prepared. It’s about recognising that I’d rather have saved the energy, so that I can use that surplus reserve of energy in order to scout ahead of my group for problems, or fetch assistance if necessary. The main thing though, is to stay within personal limits as a leader, so that when people are tired and cranky, and scared and their feet hurt and they are cold and hungry, you don’t mind giving them your personal stash of candy bars, you don’t mind them calling you names, you don’t mind them questioning your leadership skills.

The main thing that qualifies a person as a leader is how they cope under crossfire.

The more I lead people in stressful situations, the more I learn about my personal weaknesses, the more I learn about my personal limits. Nobody should underestimate just how hard I had to be pushed before I cracked, but nobody should consider themselves such a ‘rock’ or a hard nut that will never crack under pressure.

My best friend and climbing partner sustained life-changing injuries in a ‘freak’ accident when the chockstone he was abseilling from shattered. I have only just started to deal with feelings surrounding this, so I’m not going to write any more about this today, but my thoughts always turn to him and how I have shyed away from post-accident involvement, as it was such a terrifying reminder of our mortality and fragility. I knew I couldn’t do anything to turn back the hands of time. Accidents happen, and the first thing you learn in the mountains is that you can’t control all the variables. It’s still something that victims, survivors and those connected to them, have to come to terms with though.

Ropes have their place in sport rock climbing. Modern equipment is so good – the Petzl Grigri in this case – I don’t even have to hold the rope to be honest, but old habits literally die hard (October 2012)

Addendum for climbing nerd trolls: no, I didn’t leave the rope all over the place like that. I was asked to step in and belay only seconds (sic.) before the photo was taken. And, no, I’m not even standing on the rope even though it looks like I might be from the low-resolution image. Anybody who has climbed multi-pitch with me will tell you my ropework is above your nitpicking.

Tags: #climbing #leadership #homeless #career #london #banking #adventure #mentalhealth

12 October 2015
My Tribute to Mark Zuckerberg

This is a story of imitation…

I pitched the Cambridge Angels in flip flops. They didn’t like this very much. It was a hot day in June though, so I thought it was appropriate. Perhaps I was a little over-inspired by The Social Network, but at least I wasn’t wearing my dressing gown.

I also structured my company, so that my shares would be less diluted when the company received investment.

I was even so paranoid about anybody wrestling control of my company away from me, that when I wrote and signed a vesting agreement for my co-founder in a pub, on a napkin, during the first weeks of the Springboard Accelerator Program, in Cambridge, I deliberately held the pen upside down for the photo. Plausible deniability.

Anyway, so Hubflow is winding down operations, and that means I failed as CEO, despite the fact I stepped down a few years ago. Of course I wanted to give all my investors a big payday, so put a black mark against my name.

People should remember that I always had one eye on the sales pipeline and another eye on the bills, taxes, and wages. I would never bankrupt a company. However, it’s all credit to my co-founder for getting things in order when I became unwell.

It’s tough at the top, and I have nothing but respect for anybody who is in a CxO position. I’m not after anybody’s job… I know how much of a kicking the executives get from investors, customers, and the sleepless nights thinking about everybody who is depending on them.

I’m also not so naïve as to believe that I should be telling anybody how to build a successful startup yet. I learned loads on the Springboard program, but those lessons have yet to express themselves in a useful and productive way for everybody who invested time & energy in me.

I’m wrestling with an unquenchable desire to research and develop stuff, to innovate, to explore ideas. I know that I can deliver a project as a solo founder, or build something from day one with the right co-founder(s). Bringing people in later in the life of a startup, is very difficult.

I also know that I can be a developer, or I can be a startup founder… not both. Sure, I can write code, I can fix bugs, but the demands on a founder are so great that it’s impossible to do the development as well. I was writing and maintaining code for the iPhone, iPad, Android, BlackBerry, Windows Phone, web application, maintaining the database, doing sysadmin, operational support… it was too much, on top of raising money, meeting customers, pitching and meeting mentors.

On the Springboard Program, Jon and Jess did a great job of supporting the founders. I know that Jon also went by far the extra mile for the teams that were dealing with issues, and the safety net that was there for me could not be faulted. I had bitten off more than I could chew.

I was always torn between raising any kind of investment round (friends & family, seed) or bootstrapping. I also was conflicted about bringing anybody into my startup, except hired help. I didn’t trust anybody. I also couldn’t let go of control and empower anybody to help me.

When you are bootstrapping, you don’t have any money. For anything. Making rent payments, wages, expenses… everything comes down to one thing and one thing only: how much runway have you got left for your burn rate? You run lean, but you also run stressed. That’s not an excuse for me not being a team player though. Hubflow probably could have been a bigger success if I had learned the importance of Team, as well as Traction and Technology.

You live, you learn.

Photographic evidence that I did make people laugh as well as cry. I think we had great times in Cambridge. I know I did (May 2011)

Tags: #startup #entrepreneur #university #career #leadership #computing #apple

11 October 2015
Epidemic of Human Greed

This is a story of a sabbatical that I never got to take…

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

30 September 2015