This is a story about the easy way and the hard way...

If you wanted to try to oversimplify my life, you might say I have unreasonable expectations, I'm impatient, I'm arrogant, I have a misplaced and unjustified superiority complex, I'm lazy and I expect to get everything I want all at once with a snap of my fingers. I hope you'll find that the facts rather disprove most of that.

An alternative oversimplification might be to say "it's the drugs". Some drugs sure damn don't help, but alcohol, drugs, medications and other substances have been a major part of human civilisations for thousands of years. Can you imagine how many people would struggle without their morning coffee? Can you imagine the bulk of awkward social gatherings without alcohol as a social lubricant?

If we were to look at the last few times my life went from "rapidly improving; mostly complete" to "smouldering ruins; lucky to be alive", then you'll see the pattern is different every time, although it has most of the same key elements. If you can tell me categorically which the one and only trigger is for a complete reversal of fortune, then you're either a genius or you're just guessing and you guessed wrong because there pretty much is no pattern.

Let's start in 2011:

• I was doing a tech startup. Just as a bit of background: I was the sole founder, but I talked a friend from JPMorgan into becoming 'co-founder' because I was feeling overwhelmed and this guy always talked about wanting to be his own boss and create a dot com etc.
• My startup was cashflow positive... kinda. I was wealthy enough to bootstrap, but I basically had a local company want me to build them an iPhone app, and I thought it would be a much better idea to build a white label product that I'd license to them, and new content could be downloaded, bypassing Apple App Store approval. Aviva was my first customer.
• My 'co-founder' was fucking useless at coding and tech in general, but he often contributed the best ideas. In 2011 that idea was to exhibit our product at London Olympia at the Learning Technologies conference. We were one of only 3 companies who had a proper working mobile e-learning solution, so we saw a hell of a lot of decision makers with budget in just 2 days.
• My startup was shortlisted for TechStars, Boulder, CO... but I had 12 hours notice so I had to book flights and get to Heathrow, to catch a flight to Denver so I could make the meeting. Got to meet Dave Cohen though (co-founder of TechStars) and of course Nicole Glaros who was heavily pregnant but showing no signs of giving up startup life.
• I'd also applied to TechStars in Cambridge, UK (known as Springboard) and Nicole was kind enough to phone me and say "between you and me, you've got Cambridge in the bag" as opposed to "you didn't make the final 10".
• I ditched my 'co-founder' which was one of the most ruthlessly awful things I've ever done in my life, but he was more employee kinda material, having only ever worked for one company since uni.
• I then rang Jon Bradford, who ran TechStars in the UK and said "I'm coming on my own. Hope that's OK" to which he replied "if you don't have a co-founder, you're not welcome - no exceptions". I tried to get a mate who was CEO of a subsidiary of Hawkeye to ditch that and be my co-founder, but Jon talked him out of it ("do you really want to leave an established brand where you have a team of people and plenty of profit to work for a company one guy created on his own less than a year ago?"). So I persuaded my friend with the pregnant girlfriend and the massive mortgage to leave his £300/day contract and become my new co-founder.
• I lied to my girlfriend about having to go to Cambridge for 3 months - I said "it's just for a little while". My co-founder asked "is it expenses paid" and I lied again and told him it was (technically it was as I think we got £10,000 per founder or something like that, but we had to give away 6% of our equity).
• Cambridge was one of the happiest times of my life
• I also made my co-founder cry in front of a Google executive, and was regularly a complete arsehole and the only reason he didn't hit me was because he'd been bullied himself and he was worried he'd unleash hell. I did deserve a kick in the teeth though.
• Running a profitable business with quite a lot of customers, while having to meet 120 potential mentors in 2 weeks. It's fine if your 'startup' is a website, a logo and an elevator pitch. It's not fine when you keep having to rush back to your desk every coffee break to deal with urgent issues.
• I got so burnt out by week 10 or 11, I was having suicidal thoughts, but at the same time I was still somehow loving it.
• I abused A LOT of alcohol, which was fine cos I'd had a lot of practice at JPMorgan. My co-founder however, nearly cycled into the River Cam, several shop doorways and several hedges... and that was just one night drinking free Pimms at a Cambridge Angels night that we weren't invited to, but we just picked up name badges and walked in. "Sorry what was your name?" the girl behind the desk asked. I read it off the badge with enough confidence that somehow the ruse was not challenged.
• By week 12 I was burnt out. I was swallowing mouthfuls of legal stimulant 'granules' even when pissed out of my mind, somewhat hoping I wouldn't wake up. I skipped the office a few days.
• My girlfriend was doing my head in. She was pretty evil and aggressive anyway, but she absolutely hated the version of me that was successful and confident. One of her most abusive outbursts was when I wanted to spend 30 minutes choosing a tie to wear on demo day, where I was going to be on stage in front of billions of dollars worth of investors, and all the technology journalists you could shake a stick at. "I hate Jon Bradford and I think the feeling's mutual" she said when she met everyone for the first time, sullen and sulky.
• I could have cheated on my girlfriend. I could have left her for a girl who wanted me to reach my full potential, but no, I stayed faithful, which created additional stress and pressure because she had non-negotiable demands, like not moving to London, Bristol, Cambridge or basically anywhere near my co-founder, investors or customers. She was a teacher - she can get a job anywhere.
• On the funnest and most memorable night of the program, I felt duty-bound to do something for my girlfriend's birthday. We went punting, stayed in Cambridge's best hotel and ate at in Cambridge's best restaurant. I wish I went to karaoke, because all she ever did was complain and throw hissy fits about things that were not 100% perfect.
• On the last night, I had to choose. A girl who I was secretly in love with let it be known that she was into me. But I remained faithful to my abusive misery-guts who just wanted to see my dreams destroyed.
• No compromise could be reached with regards to moving to even commuting range of my co-founder or London. By "no compromise" I mean it was like every other time I ever tried to talk to her - she told me what was going to happen, and my wants and needs meant fuck all. "Compromising" to her meant doing exactly what she wanted.
• I went to her brother's wedding. I'd been to 3 other weddings that summer, and she'd gotten drunk and smashed 3 different digital cameras of mine. I told her she was banned from even touching this one. She smashed it. Back at the hotel room, I was sulking. She started saying "you're a freak. You're a weirdo. You're a nerd. You're a geek. Nobody likes you. Everyone thinks you're weird" standing in the doorway with the door halfway open, knowing her mum & dad next door would hear if I rose to the bait and started abusing her back in a rage. The next thing I remember was that she screamed. I don't remember what happened in between, except that she was on the floor pinned down. The scream woke me out of the trance-like red mist and I got off her. She ran off. I waited a couple of hours and then I decided to drive my car into a concrete pillar at the maximum speed of my car, which was about 130mph, with no seat belt and the airbag turned off.
• When I got home I tried to overdose - I every time I'd taken aim at one of those motorway bridge pillars, I realised there were protective barriers to stop head on collisions like that.
• A couple of days later, I went to pick her up. She was wearing a singlet, showing off the bruising on her arms to maximum effect. Her parents, out of her earshot, said to me: "we know she's hit previous boyfriends and we saw what she did to you. You don't need to look so guilty and remorseful. She's an aggressive person and you're a sensitive person. You shouldn't have hit her, but we forgive you".
• Out of guilt. For whatever reason. I stayed with her. I couldn't see any way to make my startup work without moving, even though a single investor had offered to write a cheque for £250k right there on the spot - we'd sort the term sheet matter of minutes and walk away with the money the same day... easy. I said I needed time to think.
• I started abusing a really dangerous drug, which I said I would never touch in a million years. I basically wanted to die.
• I had to give my pitch to another load of investors and influential tech people in London. It was quite an important event. I was so addicted to the drug, and I could see no way round the location problem without leaving my girlfriend, I turned back halfway to the train station. I was going to give up right then and there.
• After the pitch, people who'd seen me at Demo Day in Cambridge said I was even better the second time. I was a different person though. I knew I couldn't do my startup and stay with my girlfriend. I had to choose between my abuser who had zero gratitude for the luxury life I'd given her, my unwavering faithfulness and generous love - OR - my lifelong dream of running my own software company.
• I turned my phone off. I stopped replying to emails.
• I took more and more drugs.
• I took so many drugs I started to get pseudo-Parkinsonism: uncontrollable motor tics. I took so many drugs I started seeing things, hearing things, imagining that I was surrounded by the police or the army, just waiting for the perfect moment to smash in all the doors and windows and get me.
• A month after that London demo day, I started carrying an envelope around with me that said "OPEN ME". It contained £20 and said "please put me in a taxi to A&E. I have a drug problem and I've probably had a heart attack or a seizure". Inside the first letter was a second letter which was addressed "TO A&E TEAM" which had all the details of what drug I'd been taking, how much and how regularly.
• I went to an addiction clinic. There were 2 girls in the waiting room, one was 31 like me, and she had 3 kids who'd been taken off her and put into foster care because she'd been in prison. The other girl was about to turn 21 but she couldn't drink to celebrate because she had barely completed her detox and rehab. She'd been a prostitute since the age of 16 and raped by a family member, repeatedly, when she was younger. This is just what I could glean from the conversation between the two women - I sat there in my expensive clothes, a homeowner, thousands of pounds in the bank, a car, a speedboat... what the fuck right did I have to use this service, when they could be helping really disadvantaged needy people.
• My girlfriend ordered my dad to take me away from my house against my will. I refused to leave my home. I overheard my girlfriend speaking to my GP and saying "is there no way you can just section him?". My dad just patiently waited for days, on the order of my girlfriend. I told him I wanted to stay in MY home where I had MY doctor and MY friends.
• I locked myself into my summer house and said I wouldn't leave until they left me alone.
• They didn't leave me alone.
• I took my circular saw and cut a hole in the back wall, and climbed over my neighbour's fence with my pre-packed 'grab' bag.
• The police were despatched "for my safety" because my girlfriend dialled 999 and said "there's a madman on the loose" as opposed to "I'm trying to forcibly eject the homeowner from his house that I'd quite like all for myself"
• After a couple of days in a hotel I went back to see if my dad had fucked off. Instead, the "crisis team" had been called to try and section me. They would not section me. I was not mentally unwell enough to need to be on a psych ward.
• Eventually, I capitulated - I was exhausted - and said I'd go stay with my parents for a couple of weeks.

Now, the start of 2012:

• Living with my parents, while my girlfriend gaslighted me ("It's best for your health") when in fact she just wanted my house me kept far away. She kept saying to me "it's all in your head" when I said "you're doing nothing in my best interests". At first it was just intuition and I was going to go straight back, but I was told that the police would be waiting for me at Bournemouth Station "for my safety".
• Then, let's just say that I accidentally forgot to disable the keylogger on MY Macbook, which I accidentally forgot when I went to my parents. I certainly didn't know that was the laptop she preferred to use most often. It was a complete surprise to me to see that my Macbook was being used.... I wonder what for?
• No sooner had I got into my dad's car, she was on my Macbook setting up dating profiles and signing up to 'no strings sex' websites. What a cunt. This was not "all in my head". I accidentally had hard irrefutable evidence.
• I faked a 'calm weekend visit' with the excuse of picking up a few things I'd forgotten to bring.
• I managed to totally keep my cool. My girlfriend was really unpleasant, but I just ignored it... she wanted me to get angry and upset so she could add to her 'evidence' of my insanity and have the police remove me on a section 136 of the mental health act.
• "What's this user account on this dating website?" I asked, pretending to be looking at the browsing history, which of course she'd deleted. "I don't know what you mean. Where did you see that?" she stumbled. "Oh, well, I was wondering where my browsing history went so I restored it from a backup, and then I saw this dating profile... it looks a lot like you actually. Same age. Same town. I thought you only had the one sister, and she's no twin"
• Suddenly, the abusive horrible girl who'd battered my face and told me I deserved it and she'd never apologise, was apologetic and nice for the first time in her life. She gave me a whole load of "I was only looking" and "I'd never act on it" bullshit - which I knew were lies - but when she said it'd never happen again and she'd try to be a better girlfriend, and thanked me for helping her to see that she'd treated me really badly... it was hard to not want to believe her, because I loved her, annoyingly.
• I moved back home
• I got a job working for a small(ish) local company. They had a board of directors but no IT director. They wanted to give me the job title "Head of IT". I said "but I'm the most senior and experienced IT person you've got, with 100% responsibility for all of IT... I'd say that makes me IT Director". The CEO said "nope, the Sales Director is going to be the IT Director too". When I asked what qualified him to be IT Director, the CEO told me "he's quite into tech". What this meant in practice was that the imbecile had a pair of bluetooth wireless headphones.
• Given that I'd spent 5 months not working, I accepted the job and the job title, on the proviso that I'd get the proper salary and board position after I'd been with them for a year.
• My girlfriend who'd been a lot nicer since I caught her cheating, said "you're never going to propose, are you?". I had a platinum engagement ring with 3 amazing quality diamonds (cut, clarity and color all pretty damn flawless) which had been gathering dust for quite a while, because I was fairly convinced that I had become embroiled with a terrible terrible person. Perhaps temporarily insane because I was happy to be home and working again, and being treated nicely by this girl for perhaps the first time ever, I popped the question.
• Immediately, she said "I bet we'll never get married though". I had just received my first paycheque. I said "why don't I book some flights to Hawaii, and then if we wanted to we could get married in tropical paradise, and if we don't want to, we'll just have an amazing holiday". She asked "but what if I don't want to get married in Hawaii?". I replied "then we'll just have an amazing holiday, like I said". She continued round the same circular line of question and answer while I tapped away on my keyboard. "You've just booked the flights haven't you?" she asked. "Yup, I replied" I thought it would be great to have Christmas and New Year in Hawaii, which meant that I just blew £3,000 but I didn't care. Life seemed pretty rosy at that point in time.
• Back at my new job it turned out that their systems had managed to lose £10m of customers money, the customers credit card data and personal details were not at all secured, the CEO's ideas about the important IT projects were copy-pasted from a due diligence report that was clearly written by a person with learning difficulties who simply Googled "Important IT systems" and then asked the staff which ones they didn't have. Apparently we needed a data warehouse as our number one priority, according to the CEO. "We'lll be shut down in 6 to 12 months by the regulators if we don't fix the stuff that's in breach data protection and PCI compliance" (protection of credit/debit card details).
• We got audited by forensic accountants. It turned out that all the software had been built by putting keyboards on the floor of rat cages, and letting the rats step randomly on the keys, which produced surprisingly better quality code than some of the programmers in my team. The most junior guy in the team who was given the crappest work turned out to be a star talent.
• I worked my arse off on an IT roadmap, which the CEO didn't even read, but it got leaked to our parent company.
  • An epilogue to this story:
    
    A year later by chance I was at a really big conference - Twiliocon - in London and one of the main speakers was the CEO of that parent company. He had used my IT roadmap as the blueprint for the entire IT transformation of his company, and he even put slides up which were verbatim quotes from my document. It was actually quite nice to see my vision implemented, but not to have actually had to do any of the work myself. He said all of my objectives had been achieved: 100% reduction in desktop support costs, office rent, lighting, heating and other facilities costs, total cost of ownership was 30% of what it had been previously when they had an army of PABX engineers, hardware specialists, networking specialists, sysadmins, DBAs and other folks to keep the lights on, plus their uptime had gone from about 80% to 97%.
    
    Also, he said they'd increased their office hours but the staff were happier than ever, because they preferred working from home and there were always people who wanted to do early or late shifts to fit around their busy family lives, which they could do more easily when they didn't have to commute.
    
    My favourite quote he used was: "an agent has their Chromebook and headset delivered and is online taking calls within 15 minutes, and if the hardware fails, we just send them another one because the hardware's so cheap and no data needs to be transferred from the old one to the new one". That's my quote. I should be a fucking speechwriter.
• Anyway, my CEO kept banging on about data warehouses, new PABX and VOIP handsets, new datacentre, leased lines, acquiring new companies and integrating the systems, office move, and a million and one other things which I told him were expensive CapEx and generated zero extra profit: the best way to burn all your budget. I told him that the way to increase profits was to reduce overheads first and then make your systems easy to migrate other companies existing customers onto second and then we could grow through acquisition.
• To fob that wanker off, I got my friend to quote him for some phone systems and datacentre rack, plus leased lines and everything else. I can't remember the exact figure, but it was somewhere between £250k and £500k of capex, excluding the cost of migration engineers and the ongoing support costs.
• I showed the CEO the financial models which clearly showed that cloud had slightly higher total cost of ownership, if you divided the up-front cost by the lifetime of the product, but the cost of the specialists to maintain and support it all, plus the obstacle to scaling the business meant that it was a no-brainer: cloud wins hands down. Nope. That fucktard wanted his own PABX and servers, and he thought it was a priority.
• So, I ignored him and concentrated on the projects which would keep the business from being shut down by the authorities. I started my dev team learning how to build for the cloud using the tech I wanted to use. They loved it and productivity soared.
• I was getting so much abuse from the CEO that I hired the data warehouse guy who could make the prettiest graphs. That was my best career move. The board sat for hours looking at graphs of data which I told my new hire to just completely fake, because the real data was too hard to extract from the shitty systems.
• I delivered a couple of critical projects, with the main one to protect all of our payments data and systems.
• I then said that if we didn't rebuild the system, and separate the company's account from the account where we kept customer's money, we'd never have a ledger for a customer, and we'd always be at risk of continuing to lose customer money. I said I'd done my analysis and it would be quicker and cheaper to design and build a brand new system.
• Nope, no way, the CEO said. "The other stuff is just as important, if not more important" he said.
• I was burnt out from the battles. I was sick of the board, with zero IT experience amongst them, telling me that my advice was wrong.
• I bunked off work. I took loads of drugs. I was sick of that company.
• I went back after a couple of weeks. Everything was on fire. "We've been given 6 months to get our house in order or else the regulator's will shut us down, What do we do?" the CEO asked. "I told you. It's all in the roadmap". He replied "you've got to do both. Rebuild what you have to, but I want my own PABX and datacentre server". "It can't be done and I'll quit" I replied. "Fit in or fuck off" he said back to me.
• I went off work for another week. Took loads more drugs.
• The Sales Director wanted to have a private meeting with me. Turns out I wasn't the only one who could see that the CEO was a talentless fuckwit. He promised that I could build the cloud callcentre that had been my vision all along. "No distractions? Number one project?" I asked. "It's got to be done or else we're finished. Our available budget ]ust won't cover what the CEO wants to do.
• I went off sick again for a while. Let them sweat.

They were glad to have me back. "Are you excited about this dream project that you designed" the CEO asked me. "No" I replied, "`You're not going to let up on the waste-of-money projects are you?". He shook his head "I want my own PABX and new datacentre hardware. "Cloud?"I asked tongue-in-cheek. "Out of the question".

• I didn't go back
• I had August off and I saw the Olympics in the stadium

End of 2012

• I went back to JPMorgan. It was pretty easy - people remembered me and my reputation had lasted for many years.
• I ignored my boss(es) mostly but I knew that everybody was crapping their pants about a particular even in the financial calendar had only just finished being processed before a cut-off time. I think there were mintes to spare after the thing had been running for hours. It could have been front-page of the Financial Times if the deadline had been missed.
• It was nice to reconnect with old colleagues. People were really friendly and we picked up where we left off. There were a couple of new faces in a team I was pretty dependent on and one or two of them seemed to be offended by the way I'd just wanter into their team and see who I knew and how busy they were... usually to ask a favour.
• There'd been a team of 10 Oracle engineers - the best - flown out from the US to find out how to make the system fast enough so that the next time that particular event came round iin the calendar, it wouldn't be such a nail-biter. I think one of the people who was being a right pain about doing the things I asked him to do, had perhaps borne the brunt of 10 oracle engineers telling him what to do, and nothing made any difference.
• I gathered loads of performance comparison data. I read everything I could, and ran my timed experiment. I looked for any optimisation I could. I think I squeezed another 15% performance out of the system.
• I was a bit bored. A lot of time was spent waiting for another team to execute my instructions. Not much gone tone very fast.
• I was abusing drugs at weekends and mosty geting away with it. I started to bunk off a lot of Mondays. Nobody much cared.
• I tracked down a much more helpful guy in another office. We had some good chats about different things we could try
• I looked at what the software was doing, and it was clear that the system was only ever doing one thing at a time. One of the most senior guys who built the software - bought from another company - ended up speaking to me. He didn't believe me, but I'd produced some pretty compelling graphs and begged him to check the code again, which he begrudgingly agreed to do.
• I was right - I found a bug, or at least I knew what the bug was, without even being able to see the code. I was convinced this would be the big breakthrough
• It was not the big breakthrough.
• Me and the Oracle guy got together again, and we went through every single one  in case of clues. Then, he found the problem - the system was waiting for a reply to every single requests. Big, important IT systems hare Disaster Recovery sites that are far enough apart that the likelihood of BOTH being destroyed is virtually impossible. even with a nuke. The trouble is that the speed of light is a constant in a fibre optic cable, and the roundtrip from A to B to A can be - in computer terms - quite slow.
• As a bank, you never want to lose a single transaction, The original engineers thought it'd be best to have the remote site confirm the transaction. This doesn't really fix anything much if the trading contract has been confirmed with the counterparty, and then your bank gets nuked but the disaster recovery site says the the trade was never confirmed, because the two systems got cut off right at the critical moment. You should send the backup messages as quickly as possible with minimal or ideally no back-and-forth protocol. God knows how many messages could be in-flight at the moment the bomb went off, but you'll have a lot less missing data if you fire it away from your bank at the speed of light, as soon as you possibly can.
• Anyway, it was taking around 1 to 3 seconds for every message sent to be confirmed as having been successfully stored at the Disaster Recovery site. When you process about $2 or $3 billion in FX trades, and $30 trillion in derivatives trades EVERY DAY, that's a lot of transaction volume. On certain days in the investment banking calendar like IMM day and CDS settlement day, which happen quarterly, the volumes are INSANE and it's a real struggle to get everything done by the deadlines. When banking systems go wrong and either have an outage, or miss their deadlines, the repercussions can cause knock-on problems that are on the front page of the Financial Times the next day, and have queues outside Northern Rock when the general public finally realise how insanely dependent we are on many many trillions of dollars (or equiv. in Pounds/Euros/Yen/whatever) digital 'money' being moved around electronically, every single day.
• Next IMM day, everything was all processed in less than 20 minutes. "That can't be right" the boss said. "How did we go from a process that used to take all day, and was so close to missing its cutoff deadline, to now having completed everything so quickly?". We checked the data - it was present and correct.
• I was a bit bored to be honest. The next project wasn't going to start for months, if not years, and the 'capacity headroom' was now so insanely high, that there was no point even forecasting when we'd next get close to the danger zone - it was at least 5 or even 10 years away.
• I started dabbling with drugs again
• Then my drug use got so bad I had to take Mondays off sick, and then Mondays and Tuesdays
• By the time of my stag do, I was a mess. I nearly didn't make my own stag do and I was messed up, being handed a loaded shotgun. The remarkable thing is how unobservant people are. Nobody at work or any of my friends knew I had a drug problem, except that bridezilla had started telling people because SHE wanted sympathy. She bitterly complained to me one day that she'd been telling the girlfriend of one of my colleagues that I had a drug problem and she indignantly said "and she said: POOR NICK. What kind of friend is she? No sympathy". A tiny part of my brain said "what the fuck is this bitch doing broadcasting your most intimate personal problems, trying to get sympathy for herself... why the hell am I marrying this arsehole?" but I had become a different person - I didn't have the will or the strength to stick up for myself any more. The weaker I got, the worse she treated me.
• I'd always said I wanted to get married in board shorts, so of course we "compromised" with me wearing what she wanted.
• When we arrived at the luxury villa place which was where we were going to spend Christmas Day and our first day as husband & wife, the idiot owner had double booked, even though our booking was waaaay in advance of the other booking. My fiance went apeshit at the guests and I had to physically drag her back to the car, lock her in, and go apologise to the poor family for her behaviour. Then I went back to the car and phoned the owner, who was not very apologetic and said I should ring the website I booked through and get them to arrange something on the North Shore. I explained that we specifically booked this place because we were getting married on the South Shore, because everybody gets married on the North Shore, and besides everything was fully booked because it was Christmas [FUCKING] EVE and we just got off a 22 hour flight and we were getting married in a little over 2 days... and then bridezilla starts yelling "IT'S NOT GOOD ENOUGH. YOU OWN TWO VILLAS AND YOU CAN'T EVEN NOT MANAGE TO DOUBLE BOOK. YOU'RE FUCKING UP MY WEDDI..." as I quickly exit the car and run down the road covering the mouthpiece until the torrent of abuse from my blushing bride to be is hopefully out of earshot. "Look, we really planned this extremely special day for a very long time. We've been looking forward to spending Christmas Day seeing the volcano, and we're really close to the special place we specifically want to get married. I'm really sure you can understand that this is such a special time for us that you'd want to help us out in any way you could, wouldn't you? I'm sorry that this mistake has happened, but we're kinda counting on you to help rescue our Christmas and wedding day... you must know people in the town who could help... we're strangers here". This fucktarded woman said "I'm a bit busy with Christmas with my family, but I'll make a couple of calls if I get time and then hung up on me".
• I told bridezilla that everything was going to be fine, and we should just go for a nice dinner
• It was getting super late, and a really put-out inconvenienced sounding version of the woman I spoke to earlier - who hadn't once yet apologised - gave me a number to phone. It was the owner of a house who'd gone away on holiday somewhere else. She was nice. We could sleep there for one night. She gave me the address and instructions on where the keys were hidden and what the alarm code was.
• I told bridezilla that everything was sorted
• We finished our meal and went to the house, which was absolutely gorgeous, and made ourselves at home. The fridge had been stocked with cold beer and there was a load of fresh fruit and stuff all ready for breakfast. I had no idea how this had been arranged, but there are some good people in the world. Most importantly, bridezilla's fury was pacified; she even managed a smile as we enjoyed a beer together on the enormous couch.
• The house had a big verandah which encircled it, and I crept out there early in the morning to find out where we were spending Christmas Day. I rang obnoxious villa owner woman because I knew she was on the East Coast of the USA and I wouldn't be waking her up. I was given another address nearby(ish). "I hope you know that it's costing me a lot of money to put you up in this place for the rest of your stay. I'm doing you a big favour. Keep it tidy. I've got to pay to have it cleaned up after you've gone" she said. God knows how I resisted the urge to say "and Merry Christmas to you too" or "thanks for your best wishes for our wedding day the day after tomorrow". I just say "OK" and hung up.
• Bridezilla was pissed that we had to pack and move, but I said the sooner we did it, the sooner we could start our holiday.
• The place where we were going to spend our last unmarried couple of days, and consumate our marriage, was nowhere near as nice as the place we'd been in before, but it had a hot tub and the bedroom looked out into the rainforest. No drapes, but that didn't matter. No food in the fridge but that didn't matter. At least we weren't going to be sleeping in the car. In fact, it was still a super charming nice place - a cosy little cottage. We found a store that was open and bought a load of food and drinks, assuming that we wouldn't be able to have a nice Christmas Day meal anywhere.
• We had an amazing Christmas Day seeing the volcano and the lava fields. I can't remember what we ate for our Christmas Day meal. I was just relieved that things were starting to go OK.
• Boxing Day I'm not sure how I found out, but there was a problem with the camper van we were going to use to get around Oahu on the second half of our trip - Bridezilla's idea. Major mechanical problems. No way it could be fixed in time for when we needed it. No alternative vehicle available - there's only 2 camper van rental companies on the whole of Oahu anyway. I told Bridezilla, thinking "hey, no big deal, we'll just book a nice 5-star hotel and that'll be way more relaxing, swimming in the pool and having waiters bringing us ice cold cocktails... but no, she went apeshit. Even more apeshit than when the accommodation was double booked. "The wedding's ruined" she sobbed. "Everything's ruined" she wailed. I tried a bit of "hey we're in tropical paradise and the camper van was just one part of the holiday later on in the trip. We'll find a nice hotel. We'll rent a nice car. We can still explore the island" type soothing and trying to put things in perspective for her, but she was inconsolable. I rang the camper van guy back: "look, I know it's Christmas and this is an island and getting parts shipped is hard, and mechanics are taking holidays, but is there any way we can get this gearbox changed or repaired. We're here to get married and my fiance is devastated. I'll pay for the repairs. I'll pay Christmas bonuses. Just please, can you think of a solution, because my fiance is so upset and I'm worried that this is really going to ruin her special day". The guy said "I'm really sorry, but there's no chance. That van's not gonna run". I pleaded "please, just make a couple of calls. Say there's extra money in it for the inconvenience. See if there's somebody who can work their magic, even if it's a million-to-one shot". The guy said "alright buddy. I'll make a couple of calls, but I'm telling you it's a waste of time". Trying to sound as grateful as I can I said "alright, I'm so appreciative of you doing that. Thank you".
• Bridezilla does not understand why I'm not shouting and screaming at people. "These arseholes are ruining my wedding, my holiday, my Christmas. I'm so frustrated that you're always so nice all the time. Gimmie the phone. I'm gonna tell him what I'm going to put all over the internet about his shitty company". I reply "they're just a skint couple who have a couple of knackered old vans that they use to supplement their shitty wages. They're trying their best. You're not having the phone"
• After a bit of sulking, bridezilla is persuaded to go on a drive to see where we're gonna get married - "I don't see the point; the wedding day is ruined" - and visit the nearby black sand beach and seawater swimming pool, and generally try to enjoy the day as best we can.
• The place for the outdoor wedding was stunning, with huge plumes of water jetting into the air as waves hit the black rock cliffs. The photographer promised to find a couple of jaw-dropping 'secret' locations and she certainly delivered. Bridezilla is almost happy: the blue sky, ocean, white jets of sea spray and glossy green tropical plants, is so beautiful she's smiling and laughing as a shower of sea spray unexpectedly hits her from behind. The rest of the day was everything you'd ever want from a trip to Hawaii - a black sand beach that certainly had novelty value, although the volcanic sand was pretty gritty, and a seawater swimming pool where waves were breaking right over the sea wall at one end. In the ocean, you'd be smashed to pieces by the waves. The pool felt just like swimming in the ocean except it was shallow enough to stand up and you didn't have to fight with currents and waves. It was so much warmer on the coast than it was up in the hills of Volcano, and we were cruising around in our open-top rental car, having a super nice time.
• Wedding day, the camper van guy called. He'd found a guy who was gonna try his best to bodge the gearbox so it worked enough for one circuit of the North Island. No promises. "Don't get your hopes up, but it might be OK" he said. "The camper van is fixed good as new" I lied to bridezilla. She was pleased, but she should have been more pleased given the meltdown we had the day before. I guess she was stressing about getting dressed and doing her own hair and makeup and stuff.
• We had our ceremony - traditional Hawaiian vows and exchange of flower garlands combined with obligatory ring thing too - the photographer and her assistant are the only witnesses, other than the nice lady who conducted the ceremony, who also encourages us to "throw a chaka" in at least one of the photos. The rest of the photos have been planned, choreographed and timed to perfection, with waves breaking at just the right moment, although the photographer is a little disappointed that we only wanted to do one session, rather than coming back during the "golden hour" when the sun is not so bright and harsh, and everything is bathed in golden light. Surprisingly it was all quite quick, even to do a photo in a cool bit of road where the trees have formed an arched canopy and a photo at the black sand beach. "We've still got time if you want to go to the church that they have to keep moving to escape the lava" the photographer suggested. The brightly painted wooden church was photogenic as hell of course, and I don't see any conflict of interest with my atheism - a building is just a building. In a moment when my wife is being photographed, the assistant asks me if I chose my outfit. I didn't. If I chose my outfit I'd have been wearing Brazilian Havaiana flip flops and board shorts, although I would also have chosen a white shirt and linen jacket if I chose my wedding attire myself.
• During the ceremony, my bride started crying. Does that happen much? Were they tears of joy?
• We were back at our little cottage surprisingly early, and my wife prepared a really nice lunch from the limited provisions that are available in a local store on Christmas Day. We popped a cork - sparkling wine - and cheered our own marriage.
• I guess I'm a bit of an idiot, because when my wife suggested a lie down before dinner, I genuinely thought she was exhausted by it all, like I was. Again, naïveté or stupidity led me to be surprised a second time, when I discovered that she was wearing lingerie. We'd never done the lingerie thing. I thought that initial married sex would be not be anything out of the ordinary for a couple who'd been together 7 years, but she'd done her eye makeup exactly how I said I like it ("slutty") and I would never have predicted I'd have the raging horn for the same girl I'd slept with almost every night for the same length of time most married couples find they get the "7-year itch".
• Dinner laid on by a private chef was absolutely amazing, and we even had a freshly baked wedding cake, although it might less confusingly be described as a freshly baked cake to go with our wedding day meal. The chef is actually fairly well known for Hawaii and just happed to live in Volcano village. Probably the saddest thing about the divorce is that signed copy of her cookbook she gave us - there's something so amazingly personal and intimate about having a private chef spend all evening with you, cooking you a 5-course meal on such a special and memorable day. We saw just 5 people that day, other than each other.

Start of 2013:

• I wanted to go to the North Shore of Hawaii to see the big wave surfers, so that's the first place we went in the camper van. By chance, the surf was big; so big that the beaches were closed because the waves would have killed you if you just got caught in the shore dump. You can't quite believe how big those waves are until you've seen them in the flesh.
• The weather in the village of Volcano, on the North Shore of Oahu and the North East corner of the Big Island, where we'd spent most of the holiday, is windy and rainy. It's warm, but there are bits of Hawaii that are great for a nice sunny island paradise holiday, and there are bits that are often visited because of tourist attractions, like the active volcano near Volcano village. Our camper van was taking a battering with wind and rain every night, and we were supposed to be spending a week in this thing. Also, I always feel a bit self conscious about the sex noises that emanate throughout campsites due to the poor sound insulation of tents and camper vans, with tent material in the 'pop-up' bit where the bed is. The honeymoon had been about as relaxing as the bit leading up to the wedding - every day was chock full of driving places and seeing things. After another night with the wind shaking the van and rain leaking in, I booked us into the Hilton, Honolulu, which cost an absolute bomb, but I wanted luxury relaxation, not having to get dressed and walk to a toilet block if I needed a piss in the middle of the night. Also there had been a complete absence of drinking cocktails by the swimming pool. Relaxing, it had not been, although it seems churlish to complain.
• Great big lovely bed with clean crisp linen, balcony looking out over the ocean, swimming pool, waiters bringing you drinks and snacks, amazing restaurants, lovely beach, shops selling tourist attractions, bars... Honolulu at Christmas is chock full of fat Americans and Japanese, and it's not island paradise at all, but it's hot and sunny and at night you can eat incredible food, drink in places that have 200 beers to choose from, then go back to your spacious hotel room and do what honeymooners do without worrying too much about poor sound insulation. I had so desperately needed a holiday, but I ended up mostly using every power of charm and persuasion that I possess to keep bridezilla happy, and then she'd planned a pretty punishing sightseeing itinerary, which I can't complain about because I've seen into the crater of an active volcano from a helicopter and driven to the top of a 14,000ft mountain, to count just a couple of amazing amazing things we did... but I desperately desperately needed to lie on a sun lounger having a steady supply of cold drinks brought to me.
• One night I realised we were going home the next day. I realised I was going straight back to work. I realised that while I'd been away, the office had moved from the small town centre building that I'd spent 7 years working in, to "the greenhouse" which I detested... stuck out in the middle of nowhere really, and without enough car parking spaces for everyone. Gone would be the days of getting drunk at lunchtime or straight after work, because of having to drive home. There was only one place nearby that served alcohol anyway, and that was in a leisure centre, which is hardly the right atmosphere for a bevvy of beers with your beloved colleagues. I sat on the toilet in the ensuite bathroom, and I ordered drugs over the internet, to arrive the day I was supposed to go back to work.
• I did manage to go into the 'new' office a couple of times. Each time was disastrous. The one time I tried to cycle, lots of dark material rubbed off on my pristine white shirt, and I looked a total mess. Every time I parked was a massive hassle, having to ring a phone number and tell my life story using a telephone touchpad. I was even more bored than when I left. There was nothing to do. I got up and walked out at lunchtime, halfway though my first week back.
• I went to the doctor after I'd been on a 5-day drug binge. I was honest about having a drug problem, but me being me, I look and sound too respectable to be the junkie sort. The doctor said to me "I'm going to sign you off work for 5 weeks so you can sort yourself out properly". IMMEDIATELY my brain said "Yippie! That means I have have a 4.5 week drug binge and sort myself out for a few days before I have to go back to work". You've got to understand that's not devious or plotting... it's immediate. I went to the doctor to get an extra couple of days off so I had the piece of paper to prove I was sick, and didn't lose my job - you need a 'sick note' for any absence longer than 3 working days in the UK. My addict brain thought that I'd won the National Lottery, Euromillions and American Powerball all at once.
• Turns out you can't binge for more than 4 or 5 days without getting pretty mentally disturbed, and when you start pushing up to 9 or 10 days you can wake up in your attic with absolutely no idea how you got up there, why you went up there, what day it is, what time it is... how you didn't fall through the open hatch when you passed out.
• This is when I started trying to find the country's leading experts in dual diagnosis: bipolar disorder and substance abuse disorder. I also needed somebody who had familiarity with addiction to atypical stimulants; legal highs. These drugs were so new - although they'd been patented for 40 or 50 years - that nobody in the medical profession or so-called addiction experts knew how to best treat the addiction. One psychiatrist told me to "taper the dose down slowly, and stop tapering if you have bad withdrawal symptoms" which is pretty much like telling an obese person to eat less but eat if they feel hungry, but worse still, the interaction between the drug I'd been taking and the bipolar medication I'd been given caused heart problems, blood pressure problems and breathing problems, which nearly killed me.
• I found a local psychiatrist and wrote him quite a detailed email about exactly the predicament I was in. I was hoping he'd refer me to one of the specialists who'd failed to respond to my direct approach. He was a very kind man, and spoke to me on the phone and by email before we had a series of proper consultations, thankfully paid for by my JPMorgan medical insurance. His final report shocked me: I needed to spend a minumum of 4 weeks in a detox facility. Any attempt to quit without help and supervision, in an isolated location where I couldn't just order more drugs off the interent, was going to be doomed.
• I chose The Priory because Dr. Simon Kelly was already my first choice to help me, as the UK's leading expert on dual diagnosis.
• My new wife - this was now February - said she'd divorce me if I went into treatment. "But this addiction is killing me" I pleaded with her. "I'd rather be a widow than have to wait to divorce you if you won't just quit cold turkey using willpower" she said. "I've tried so many times, and the longest I've managed is a few months. It's not a willpower thing. It's a powerful addiction... it's not like turning down a second helping of ice cream or having a salad instead of chips" I said, but she never listened to a word I said. One minute, she'd be quoting the psychiatrist's report at me - the bits that could be cherry-picked out of context - then she'd just ignore me when I pointed out that the report's final conclusion that a minimum 28-day detox was necessary to save my life, because my addiction had gotten so bad.
• My wife got so angry and aggressive and abusive that I had to barricade myself in the bedroom to protect myself from her fists and feet at least, even though the door didn't protect me from her yelling abuse at the top of her lungs, and the terror of her kicking and punching the door in a rage. I phoned The Priory and asked if they could take me as an emergency admission, because my domestic situation was so violent, threatening and abusive. They agreed. I rang a taxi. My wife calmed down and told me to cancel the taxi. "Why?" I asked. "I'll take you" she said. "You promise? And you promise not to shout and scream and hit me?" I requested. "Yes".
• At The Priory, my wife left without a "goodbye", "good luck", "phone me" or "I'll come visit". In fact, she paid no interest in when visiting hours were. She just fucked off home. Allegedly, although it wouldn't be possible for me to know this of course without hacking her email account, which would be illegal, she immediately re-joined all the dating websites and no-strings sex websites. Of course, at The Priory there's no WiFi and mobile phones are banned, so it's fully offline - I had 28 days where I couldn't have hacked her email even if I wanted to [which I obviously wouldn't because that's illegal].
• I was mainly concerned with not losing my good job at JPMorgan, which The Priory were most helpful about. They wrote to them saying that I was being treated in a private hospital for bipolar disorder. Of course, there were no clues to give away that all-too-easily-identifiable brand name, which instantly connects with drug addicts and alcoholics. There was a helpline number in case of urgent inquiries. My boss phoned - I had a phone in my room. "Where are you? Can I come and visit?" he asked. "I'm in a private hospital. Visits are very restricted. I'm sorry I can't tell you more, but occupational health should keep you informed" I said... the words which were helpfully given to me by The Priory to help protect me from stigma. "I've got some good news. I wanted to tell you in person, but I'll just tell you now on the phone. You're getting a special bonus in your next pay packet, in recognition of the good work you did fixing that issue that 10 Oracle consultants never managed to. They don't give out many bonuses like this - somebody pretty senior had to approve it. You've impressed a lot of influential people" he said. "Wow that's brilliant news. Thanks" I replied, acutely aware of the fact that I was speaking to him while in The Priory because of my drug addiction. How ironic.
• My wife started being more unpleasant than she'd ever been. I'd arranged for a florist to leave her a flower on the doorstep every morning so she'd have a little apology and a reminder that I was thinking of her. The only time she phoned me was to complain about the nuisance of having to throw away the flowers. It hurt me deeply that she showed no interest in visiting or supporting me. Were somebody - not me obviously - to have illegally hacked her email, they'd know that she was too busy with her dating websites and no-strings sex websites.
• When I had been in The Priory for 26 days, I received an anonymous tip-off about what had been going on with my wife, who had a lot of convincing excuses why she didn't phone or visit, or even find out the visiting hours, or attend the sessions which were specifically to help couples. I was pretty angry, so I rang myself a cab and left two days before completing the full 28-days. Obviously I couldn't confront my wife with the precise allegation, without her knowing that I'd been tipped off, which could have triggered a police investigation into any potential email hacks. Even I could have been falsely accused, given that I'd been given my smartphone back on around day 26, and there were allegedly remote parts of the hospital grounds where you could get a weak 3G signal... not that I used my phone for anything except to call that cab of course.
• I never did go back to JPMorgan except to see the occupational health doctor, who kept signing me off sick. He was convinced that I should stay married to my allegedly unfaithful and certainly unsupportive and abusive wife, unlike Dr. Kelly who I saw every day for 24 or 25 days, who was fairly convinced that the toxic relationship with my wife was not at all healthy.
• The months of March through to July, I tried to protect myself from physical abuse with a door as a shield, until I was able to build an insulated, carpeted and plastered room in my summer house, fitted with secure locks. I drank from a hosepipe and pissed and shit in a bucket until I could be sure that I was safe to be able to have a shower and hurriedly grab some food. When the door kicking and punching and yelling from her happened now, it was in full view and earshot of all our neighbours.
• Driven to the point of suicide, I took wood and screws and barricaded myself in the main bedroom of my house. I sent emails to her parents, my parents, and some of our trusted friends saying that I could no longer live such a terrorised imprisoned life, and I would be on hunger strike in that room until a sensible resolution could be reached by sensible people. My own attempts to negotiate my freedom from captivity - directly with my wife - were met only with abuse, and were futile.
• Mercifully, by August we had separated, which was negotiated and facilitated by both sets of parents. I was free and the 8 year relationship was over.
• I rang one of my best friends in London, and he enthusiastically invited me to stay with him while I got back on my feet and tried to get my JPMorgan job relocated to London. I needed to be away from Bournemouth and from her.

*** This is the first part, which covers my relationship with the person my friends call "the poison dwarf" and my time in Bournemouth. The next part will cover London and maybe Manchester too ***

Tags: #addiction #divorce #bournemouth #treatment #rehab #detox #drugs

This is a story about being a groupie...

On the steps of the podium stand the winners of the 2007 Poole Animal Windfest. There is a girl and a boy for 3rd and 2nd place. If you look closely, where is the boy who won 1st place?

In 2007 I was involved in building part of the software system that processed over a quadrillion dollars worth of toxic bullshit for JPMorgan, in a single year. Don't get me wrong, it wasn't a bad job and they didn't treat me badly. In fact they kept a private driver waiting down by the seashore; engine running; waiting for the kitesurfing competition to finish. Then I jumped in the Mercedes with smoked glass windows and we sped off to Heathrow for me to catch a flight. I didn't even have time to wash the salt off my skin or sand out of my hair... or collect my prize for winning the competition.

There used to be a time when JPMorgan's main office in Bournemouth had squash courts and a gym onsite. There was a bar. There were enough car parking spaces for everybody, so everybody drove to work. Then, they grew; and they grew; and they grew. Investment banks were - and still are - ludicrously profitable. The IT budget that paid for my little team of 30-odd people was circa $10m per annum. You're never quite sure what the real numbers are though, when you work for an organisation with 130,000 direct employees.

Slowly, prefabricated office buildings sprang up on parts of the car park. The bar, gym and squash courts were turned into office space. That was OK. We still had several tennis courts and a sports centre nearby with badminton courts and 5-a-side football pitches. You could park nearby in an overflow car park. It was still a great place to work, and nobody had a fucking clue what they were doing or what impact it would have on the world, unless they really stopped and thought about it.

I've always been one of those pain-in-the-ass employees who does stop and think about the ramifications of everything that's being done. When it turned out that senior management had decided to support outsourcing a lot of our software development, I was very vocal about my displeasure and concerns. I was a thorn in the side of everybody more senior than me, in the hope of JPMorgan seeing sense: cheaper employees do not equate to cost savings. You get what you pay for.

So, I got landed with a stinker of a project. To train up about 20 brand new offshore employees, in Mumbai, and also to build a piece of software that was not only late, but was a critical component in a global initiative to get all the toxic bullshit warehoused in one place - a depository - so it could be figured out who the fuck owed who what, and how much? Who was holding the toxic debt? Who was bankrupt?

How big is a million dollars?

$1,000,000

It's hard to say, but it's probably a few times bigger than the value of your house, or twenty times bigger than your salary. Now, let's multiply that by a thousand.

$1,000,000,000

Now what you're looking at is a billion dollars. 1% of a billion dollars is $10 million. You'd be pretty happy with $10 million, wouldn't you? That'd set you up for life. Now, let's multiply that by a thousand.

$1,000,000,000,000

This is quite obviously a trillion dollars. 5 trillion dollars is the value of all the world's 'money' - the cash in your pocket, the coins in your purse, your bank balance etc. etc. Now, let's multiply that by a thousand.

$1,000,000,000,000,000

We've reached a quadrillion dollars. 1% of a quadrillion dollars is $10 trillion, which is twice as much as all the 'money' in existence. So, how the fuck does JPMorgan process over a quadrillion dollars in a single year? Two answers for you: 1) Derivatives 2) Financial crisis of 2007/8

A derivative is a financial instrument that derives its 'value' from an underlying security. By security, I mean something tangible: a fucking house or a metal coin that has its value stamped on it. Derivatives are just pieces of paper that say "in the event X, I will pay Y"... for example "if the stock market goes up, the value of this derivative goes up ten times as much". Derivatives contracts have been created that have become more valuable than all the 'money' in the world. As much as a thousand times more valuable. This is just worthless paper, and nobody has the money to pay up: insufficient collateral.

I know, right? Don't stop and think about this stuff too much. Nobody else did. There was too much money to be made.

So I get landed this stinker of a project, drive off from the beach at Sandbanks to Heathrow airport in a luxury car, in order to train 20 or so Indians on how to build a piece of software that's going to be instrumental in the Financial Crisis of 2007/8. I'm an engineer. I solve problems. I stopped thinking about the madness of outsourcing to India when JPMorgan was already plenty profitable. I stopped thinking about the madness of there being quadrillions of dollars worth of derivatives contracts, when there was only $5 trillion of money in existence. I started thinking about software designs and who I had in my new team to build this software system.

At some point, I was seduced. I was seduced by limo travel, private drivers, 7-star hotels, business class flights, everything paid for on expenses, company credit cards. I was seduced by everybody telling me what an important project it was, and what an honour it was to be in charge - the manager - when I was only 27 years old; so young & ambitious. Giddy with this seduction, I started to see the world in different colours. Things were rose tinted. I was sucked in. It was like I was dreaming.

A year later, I'd woken up from a nightmare where I'd played a significant role in helping the Investment Banks to hold the world to ransom. "Pay up, or we'll crash the global economy and plunge the world into a depression that will make the 1930's look like nothing" they said. And the ransom was paid. Every government; every central bank coughed up hundreds of billions, so the bullshit could continue and none of the bullshitters had to lose a cent. In fact, the only people I knew who lost their jobs were the ones who were replaced by Indians I trained.

I started thinking again. Big mistake.

I took to the bottle. I drank every lunchtime and every evening. I was drunk most of the time. How could JPMorgan sack me or even reprimand me? What they'd paid me to do; what they'd asked me to do... they could never make that right. They just let me do whatever I wanted, which was mostly to go to the pub and get drunk. Nobody ever questioned it.

As Bear Stearns was being taken over by JPMorgan - asset stripped under the auspices of being 'rescued' - I'd had enough. Building software for banks made me sick. I was sick at what they did to their own people. I was sick of what the industry was doing to the world. I was sick of producing nothing of value; helping nobody except the lucky few who knew how the con-job worked.

Don't get me wrong, I should have looked the other way; kept taking the fat bonus cheques and big salary; kept those golden handcuffs on - loose enough that they never chafe - but I wanted to get as far away from it as possible. The whole thing left me feeling like I had blood on my hands. Every company that went bankrupt; every person who lost their job; every home repossessed; every suicide due to financial worries... I was one of the co-conspirators who fleeced them out of their money and assets.

Some colleagues stayed, but most of the cynical ones - like me - drifted away. Some died or at least nearly did, as they beat themselves up with alcohol for their sins. JPMorgan paid for a lot of people to go to The Priory to dry out. Those who couldn't face working again were pensioned off early. You only had to work for a year, and then you were covered by a generous insurance policy so you never had to work again. Occupational health were busy, getting rid of an entire generation of engineers who had built the bedrock foundations of the global financial services empire, now shakily propped up using public money. Masses of public money.

Ten years on, I watch in horror as those hastily made repairs to a fundamentally broken system start to crumble.

Record high national debt and record low tax receipts. Our economy is 80% financial services - an industry that's booming if you haven't noticed. You probably haven't noticed unless you work in the Square Mile or Canary Wharf. You've probably seen stagnant wages, a lack of jobs and insecure employment, such as zero-hours contracts. There's always a McJob, if your self esteem is finally fully eroded by the capitalists.

Brexit had a frontman - Nigel Farage - who was a trader from the City. Brexit had billionaire donors, like the stockbroker Peter Hargreaves, who literally said "insecurity is fantastic" - referring to his desire to see workers abused by their employers, in the interest of profits.

I don't wish to segue into commentary on current affairs, but you have to be aware who you're dealing with. Who's putting words in your mouth? Who's planting ideas in your head, through the newspapers and TV channels they own?

You have to wake up out of your nightmare.

Tags: #politics #banking #capitalism

This is a story about treating every day like it's your last...

My life plan was a fairly simple one: earn loads of money working in IT, marry an attractive & intelligent girl who was into outdoorsy stuff and live happily ever after. I lived by the seaside. I owned my own home. I had masses of savings. I owned everything outright: my car, my boat, the furniture... I paid cash for everything.

When it turned out that the girl I picked was, errr, 'incompatible' with living happily ever after - to phrase it delicately - I didn't really have a plan B.

To be honest, after my marriage went to shit, I hadn't really planned on living very long. I'm really rather surprised to find myself alive and in reasonable health today. I was warned that my new plan - to take copious amounts of drugs and die in a hedonistic blaze of glory - would drive me insane and I'd find myself permanently brain damaged and dying slowly and painfully as my organs shut down one by one, or perhaps I would just suddenly and unexpectedly drop dead.

"Suddenly and unexpectedly drop dead."

Isn't that a risk that we face every single day anyway? There's a certain chance that your heart is just going to stop pumping and go into cardiac arrest at any moment. If you have a cardiac arrest outside a hospital, you're 80% likely to die.

The biggest threat to my life at the moment, statistically - and this goes for any 37 year old man, not just the ones with bipolar disorder and substance abuse issues - is suicide. Suicide is the biggest killer of men under the age of 50.

If I made smart lifestyle choices like not taking copious amounts of dangerous drugs, riding my bike through central London in rush hour traffic with no helmet on, stopping eating and drinking to the point where my organs fail and I piss blood, you'd have thought that I'd be doing a pretty good job of minimising my risk of premature death. NOPE!

What about all those extreme hobbies of mine? Off-piste snowboarding, skydiving, mountain biking, kitesurfing, rock climbing and mountaineering. You'd have thought that it'd be a good idea to give up those dangerous sports, if I wanted to minimise my risk of premature death. NOPE!

I was trying to have this argument with the Royal London Hospital consultant in the Renal High-Dependency Unit, where I was being kept alive by dialysis. I basically said, look, you're going to have to discharge me and let me go and start my new job and I'll just have to take the risk that my kidneys get worse and I drop dead. "You're playing Russian Roulette with your life" she said. Not really. The biggest threat to my life is suicide, and it was inevitable that losing my job would leave me in a psychologically critical condition.

One thing I quite often hear is criticism of risk takers. "How can you climb that mountain and risk your life, when there are people who are terminally ill, who would give anything for just one more day alive?"

"Treat every day as if it's your last."

That fairly innocent sounding platitude actually backfires, when you realise that it's an incitement to maximise your risk in pursuit of hedonistic pleasures and thrillseeking.

Knowing that suicide is the biggest killer of men under 50 is just a meaningless statistic, until you lose a friend or a relative to suicide, or you become suicidal yourself.

That's me in the picture above. I'm stood on a pinnacle of rock that's nearly 3,000 metres above sea level. If I fell - and I'm not tied onto anything - then it would a very long freefall before I went splat into the ground. Why am I not tied on? Why haven't I taken the precaution of attaching myself to a rope? Is it because I was suicidal?

The more you climb; the higher you climb; the more steep and perilous things that you climb, you start to become used to the exposure. The constant threat of falling to your death is something that you just get used to. One slip and it's curtains... but you're not afraid anymore.

I've got rather a toxic mix of psychology. I've got the ability to manage my own fear, stress and adrenalin, so that I can throw myself out of planes or climb frozen waterfalls, but when I become suicidal, I'm acutely aware that I could act on a suicidal impulse very calmly and methodically.

What is this silly little dance we call life anyway? Is it about procreation? Is it about making money? Is it about looking after your grandparents and parents as they get old and die?

Do I 'owe' anybody anything? Do I 'owe' it to my parents to treat the fact I'm alive with respect because they 'gifted' me a life that I didn't ask for? Do I 'owe' it to terminally ill people, to treat my life with respect, because I'm lucky and they're not? Do I 'owe' it to my friends to struggle on through the misery, because they'd be a bit sad if I committed suicide?

There are a couple of families - one in Ireland and one in Bletchley/Suffolk - who have been there for me during my darkest moments. There's a friend who I would've seen over the Christmas break, except for an unfortunate bout of illness laying him low. There are a handful of people in the world who've seen what my friend Laurence calls 'The Horrors' and they've protected me; stuck by me; defended me and been loyal friends. There have been people who've appeared unexpectedly - most welcome - back in my life. I'm not the most predictable of people, having decided to visit an old school friend in San Francisco, booked a flight and boarded it, within the space of just a few hours.

That's how it goes. Here today; gone tomorrow.

The speed with which my kidneys failed was shocking, even for me. The fact I needed dialysis was shocking, even for me. The length of time it took my kidneys to start working efficiently again was shocking, even for me.

Does that sort of stuff make me think "oh wow! that was close!" and "I better be careful and treat my life with respect"? You're asking the wrong question. My suicidal thoughts drive my reckless risk taking behaviour. Suicide was, and still remains, the biggest threat to my life. The shitty stuff that happened was all a consequence of my flirtation with death. I don't quite have the nerve to take the active steps to 'pull the trigger' as it were, because I know that I'm psychologically strong enough to just do it, without hesitation.

My trip to the Golden Gate Bridge was a metaphor for just how quickly, impulsively and with single-minded determination I can reach the point of no return.

My friends who hosted me in San Francisco read some of my recent blogs and asked if there was anything they could do to help. These are some of the people I admire and respect most in the world. They have super busy stressful lives raising little kids on the other side of the Atlantic, on the West coast of America.

What can anybody do? Everybody's got their own problems. Everybody's got their own money worries. Everybody's got a lot of shit on their plate. We've built a society where we are isolated, alone, overstretched by ordinary life to the point where we're just about managing. Who can afford to shoulder part of the burden for somebody who's struggling? Who can afford the time? Where are you going to find the energy when life is already so exhausting? Who has the financial means to help every fuckup with their begging bowl held out?

More fundamentally, under what kind of terms am I prepared to help myself? Arguably, I've thrown away 3 very well paid IT contracts for 3 massive banks, doing work that I can do with my eyes closed. Why the fuck would I do that?

I'm a complex beast. I feel guilty about my role in building systems that were pivotal in the financial crisis of 2007/8. I hired a development team in Mumbai, India, and I led that team to create a trade confirmation system for derivatives that handled over a quadrillion dollars in volume, in its first year. That's immoral. I knew what I was doing. I was busily fixing my own mortgage rate, knowing that there was a credit crunch coming. I invested my money in physical gold, because I had so little faith in the banking systems that I helped build.

I also had a taste of what it's like to own and run my own company. I outsourced. I ran software projects. The only difference was that it was my money and nobody could tell me "no". I could do whatever I wanted, and the ego rub from holding the job title "CEO" is a hard place to come back from. I now wander from company to company, pointing out the things that are on fire, fixing them if they let me or otherwise getting into conflict or suffering incredible boredom and frustration as I try to keep my mouth shut about the impending disasters I can see unfolding. Sure, I get paid a buttload, but it upsets me. I still spend money like it's my own.

That last project I was working on had an annual budget of about £25 million and was handling 30 customers a day. Basically, the cost of customer acquisition was over £2,000. These were not high-net worth individuals. They were simply ordinary banking customers. The project was not very complicated, but the waste was incredible.

What the hell is wrong with me? Am I a prima donna? Am I Goldilocks? Everything's got to be 'just right' for me? Do I consider the kind of work that's available to me to be 'beneath' me?

Certainly, I struggle with the prospect of having to do the kind of job that I mastered 10 or 15 years ago. I sometimes laugh out loud in interviews when somebody asks a question that's the equivalent of asking a master builder if they know what a brick is. Is it arrogant? I don't give a fuck... it psychologically destroys me, running projects for dinosaurs who pay top dollar for the best consultants and then don't listen to them.

I remember quite distinctly in 2001, I was deciding whether to learn a new(ish) computer programming language. I read a book about it. I was already learning another programming language at the time. Then it hit me: I had become a polyglot, somewhat by accident. I was able to read any code and understand its function - its intent - no matter what the actual specific implementation technology was. I knew that me and software had reached the end of the road. I asked my boss for a sabbatical while I considered what I wanted to do with the rest of my life.

It's kinda hard to change career direction and it gets harder with age. You not only have to bankroll yourself through training and getting started in whatever new thing it is that you're doing, but if you're turning your back on one of the most lucrative careers there is, you'd better be pretty damn certain that you picked the right alternative.

I bump along the bottom, being dragged back into god-awful, boring, unambitious, ill-fated and badly run IT projects, whenever my bank balance reaches danger point. But the hardest thing is the dread: the dread about selling my soul; the dread about having to keep a straight face when people are panicking and running around like they've never seen some mundane issue before.

I can't escape. I'm in a deep hole. The hole isn't deep at all for an IT consultant, but for almost any other job, it's an inescapable pit of doom. The reason why I got in such deep shit is divorce, mental illness, and being smeared all over the streets of London, in and out of hospital. Like I said earlier, it's a miracle that I'm still alive.

I hadn't really planned on living this long and that's a bit of a problem. Because I'm so suicidal and trapped, I guess there's an easy decision to be made. I know that I have absolutely no problem following through and overcoming any psychological hurdle that might stop most ordinary people from killing themselves.

I wrote this, while I was working my last IT contract:

Once he had started, he knew there would be no stopping until it was done.

That's why it had taken him so long before he started his final journey; because he could picture every single step of it. He knew that he would just methodically follow the steps, and then it would be over. He could be cold and clinical when required; rational and calculated; measured in his approach. There would be no panic, no rise in pulse, no hyperventilation. To all outward appearances, there would be nothing that would cause alarm or alert suspicions in anybody, until he was at the very brink; in the final moments.

The imagery of the bridge was so ingrained in everybody's mind, because it was such a major landmark. The bridge had featured in so many films. The bridge had been photographed so many times. The bridge was a prominent part of company logos and corporate branding. The bridge was something you could close your eyes, and picture it in exquisite detail. If you were asked to draw the bridge from memory, you'd be able to make a passable sketch of it. Even if you'd never been to the bridge before, it felt like you had been there.

That's why he had never been to the bridge. He could never be sure if he was there just in his imagination - where there were no irreversible consequences - or if he was there in real life. It would be so easy to follow through with his day dream - his fantasy - in real life. He'd played it all through in his head so many times.

Staring up at the spot on the centre of the bridge, where it was highest above the river below, he could imagine himself walking up to that spot, knowing that when he reached that point, only the chest-high barrier would separate him from the edge. He knew that the hardest part would be the bold step of climbing over the barrier. It would be so easy to peer over the edge, while safely protected by the barrier, and then chicken out. That's why mental preparation was important. That's why visualising the whole thing in advance was important.

He wasn't unfamiliar with the psychological battle of overcoming your fears and hurling yourself over a mental obstacle. Stepping off an edge was something you did every time you stepped off the kerb and into traffic. Vaulting a barrier was something you did when you climbed over fences as a kid, playing with your friends. He had done bungee jumps, where it was up to you - free will - to actually jump. He had done skydives and parachute jumps, where it was up to you, whether or not you hurled yourself out of a perfectly good aircraft. He knew he could overcome the psychological challenge of cutting loose and falling. Falling, not attached to anything, tumbling free in space. Nothing to grab onto. No second chances. No way to change your mind once you throw yourself out into empty space.

People talked about cowardice, selfishness, but they missed the point. People didn't understand that have to be brave to choose to put your life in danger, especially when falling to your death is one of the obvious risks. You also have to be brave to choose death. Who knows what happens when you die? Fear of the unknown is why people cling to life: self-preservation instincts.

He'd been a leader in the mountains and on rock faces. The leader always took the biggest risk of falling. At some point, falling became inevitable. If you roll the dice enough times, your number is going to come up eventually. If you take risks, you have to accept the increased chance of injury and even death. He'd had friends who had been killed or permanently disabled. A certain amount of "it could never happen to me" bravado and gallows humour stopped people from losing their nerve. At funerals, people would say that "he/she died doing what they loved" which was true, but this was mainly to distract from the reminder of our mortality, while doing the things that we - the living - love.

Those psychological skills, as a rock climber, mountaineer, bungee jumper, skydiver... they all now worked against him. He knew what it felt like, to be on the edge of a perilous drop, with nothing holding him safe except his own grip, and his own sanity: to not hurl himself over the edge.
At the top of tall buildings, on a mountain, or at a cliff-top, it troubled him how easily he could just jump off. He had to stay away from the edge; not because he wanted to keep himself safe, but because he didn't know if he could trust himself to not just jump. It would be so easy. It was the ease of it that troubled him. The proximity to a fall that would deliver a swift death called to him like a siren. Instead of being appalled by the fear of death, there was an allure.

When learning to climb, people clung to the rocks with white knuckles. They kept their bodies pressed as close to the cliff face as they could, as if being flat against the surface would mean that they were somehow safer from the pull of gravity. Most people were not psychologically prepared to be climbers or mountaineers. People on mountains collapsed on the flat ground, when sheer drops to either side of them overwhelmed them. Our instincts tell us to lower our centre of gravity, but when you are up high, gravity can only pull you down. It doesn't work, putting yourself closer to the cliff or the ground. You will still fall to your death.

There was something different about him. Sure, he wasn't the only one with the strange mutation of the mind, that allowed him to overcome the self-preservation instincts, but it was rare. Most people dislike heights. Most people are scared of falling. Had he always had this ability to put himself in a position of peril, and to overcome the instinct to simply freeze, to overcome the instinct to not jump out of the aeroplane, or climb up high where you could fall.

Possibly through repeated exposure to perilous situations, he had become immune to the threat of death. He had become comfortable, being in situations that put your own mortality as the immediate and most pressing concern. Sure, you could die crossing the road, but most people aren't thinking about that. Those first few times that you jump out of a plane, you most certainly are thinking "what if my parachute doesn't open?".

But the what ifs can be set to one side. What if I end up in Hell? What if I change my mind, in the split second before I die, when I'm past the point of no return?

Death is the great unknown, and we intrinsically fear the unknown. He had become well practiced at entering the unknown, in mortal peril. Who knows how you're going to feel, plummeting towards the ground at terminal velocity? He knew.

In a way, he had answered too many questions that previously had comforting answers dreamt up by priests, shamen and witchdoctors. The answers of the unknown, and of the intrinsic fear of death that dwells within all mortal creatures, for the purpose of self preservation instinct, had been given by those who sought to profit from believable fairy-tales for simple minded idiots. His rejection of organised religion gave him little comfort, in an uncaring universe.

Science tried to give answers, but it could offer no meaning. Why was anything the way it was? It just was. Even science broke down at some point, demanding that those who studied it just accepted the cold hard equations that revealed themselves in the mathematical patterns that were observed in reality. However, science had nothing to say about how to adjust to the incomprehensible vastness of the universe, the insignificance of existence and the seeming finality of death.

Science demonstrably showed that there was nothing after death. After the neurons of your brain ceased in their electrical dance, you were gone. There is no soul. A person is nothing more than the quantum potential, held in a brain. Consciousness is nothing more than an illusion, an unintended consequence of the vast complexity of an organ belonging to an organism that was only intended to allow genes to replicate.

What had he done, opening Pandora's Box by studying theoretical physics, and all the applied sciences that were derived from the fundamental rules that governed the universe? It was if by pulling back the curtain, and shattering the illusion of the theatre that played out in front of his eyes, he had of course ruined the enjoyment of life.

The willing suspension of disbelief was necessary to get any enjoyment out of any theatrical presentation. For sure, the sets were made of wood, and the birds were painted onto the background and never flapped their wings. For sure, it wasn't really snowing when a stage-hand in the rafters tipped a bucket of white polystyrene balls from above, but the illusion was passable if you didn't pick it to pieces.

He had picked everything to pieces. By relentlessly asking "but why" until the question made no sense anymore, nothing made any sense anymore. When he had reached the realisation that he was nothing more than an insignificant speck in a universe that was as good as infinitely huge, and incalculably complex, it was hard to return to a simpler, happier time, when there was some mystery and joy in things. When you can reason everything from basic principles, there is no more magic in the world. When the magician's trick can be picked apart by logic and reason, he turns from an entertainer bringing joy and delight to his audience, to a con-man.

Everything had turned to shit for him. With a Midas touch, he now applied sharp reason and logic to everything he saw, and the curtain was permanently pulled back. He saw humanity's ugliness. He saw people fighting and fucking each other over, and just vast numbers of total idiots, everywhere he turned. His heart was broken. Where had the beauty and mystery all gone? What questions were there really left to ask, when it seemed like all could be answered on his own, using base principles.
Through extrapolation, he saw no more point in continuing his life, than a scientist would in repeating an experiment that has been proven beyond all reasonable doubt to yield the same results time and time again. Only a fool does the same things expecting different results, he was often fond of saying. If you keep putting garbage in, you'll keep getting garbage out.

The world had exhausted him. In love with ideas of building a utopia as a child and young man, he now accepted that there was no shortage of good ideas, but there was also no shortage of people who didn't want to see them implemented. There were too many vested interests. People had too much to lose. He couldn't fight the world anymore, with reason and logic, and arguments about the greater good. Nobody wanted the greater good. Most people just wanted to be at the top of the pyramid, king of the hill.

Perhaps that's why men climbed mountains, because for a brief moment when you stood on the summit, you could count yourself amongst just a handful of people who had faced great adversity to be higher than almost everybody else on the planet at that moment. Standing alone on the top of Mount Everest, anybody else you could see, with solid ground under their feet, would be literally beneath you. The air passengers and astronauts in the International Space Station don't count: they didn't walk there, on their own legs, and they're not standing on Earth.

That was a brave thing, to get into an aeroplane or a rocket. We have become desensitised to it, now that jet travel is commonplace, but imagine those first adventurers in space flight and aeronautics. Imagine again, how mad it is to put yourself in a position where you could fall to Earth.
So, he supposed it was apt, that he should end his life in this way: falling.

He walked up the steps, to where the bridge departed from the land, crossing the chasm below, held in space by the tensioned steel structure that towered above. He started to cross the bridge to the opposite side, that he had no intention of reaching.

In a dreamlike state now, his vision narrowed. His hearing was dulled. The fine detail of the universe around him seemed to fall away. He no longer noticed the cars driving across the bridge: their engine noise, and the rush of air as they went past. He no longer noticed the people, who were photographing themselves, talking to each other and headed to their own unknown destinations. He no longer noticed the rumble of a jet passing ahead, or the blast of a horn on a giant ship, that passed under the bridge, on the river below. He was now living his daydream, with everything playing out exactly has he had pictured it so many times before.

Reaching the centre of the bridge, he turned to the barrier. He couldn't hesitate for a single moment. If he hesitated, then doubt would enter his mind, and he would start to have thoughts: rational thoughts. He would start to re-analyse things. He would start to talk himself out of what he was going to do next. He would start to think about the "what if?"s He would start to enter some unknown situation, out of control from the destiny he had chosen. Things could easily get out of his hands. Some kindly good Samaritan could step in. The police could become involved. Psychiatrists. People to save him from himself.

He threw his leg over the barrier, and lowered his foot to the little ledge the other side without a pause. He then brought his other foot to meet the other on the ledge. He was now stood with his back to the river, facing onto the bridge, but on the outside of the barrier. He stared dead ahead for just a second, steeling himself to make the final moves.

He twisted his body 90 degrees, and swung his left foot out into space. Now, he swivelled on his other foot on the little ledge, and reached behind himself, grabbing the handrail of the barrier, with the bridge now at his back. He returned his left foot to the little ledge, with his feet now pointing outwards.

Pausing to look down, he didn't really see anything. His vision had glazed over. He knew that to focus on what was below him, and to consider the height that he was at, would be to invite a sense of peril into his mind. He had put himself into a trance-like state. All of the mental rehearsals beforehand had prepared him for this. All of the times he had pre-visualised these steps, meant that he was now following a dance routine, and his mind was quiet and calm. All he had to do was exhale, and make his final move.

His stomach rose in his chest, constricting in his neck, before he even released his grip. His body anticipated the weightlessness, before he had even stepped off the ledge. He knew he was going to jump, before he had even done it. He knew he had passed the point of no return - psychologically - before he had even physically started the process. The decision had been made in his brain, and the signals were being sent to his muscles, but he was already conscious that he had done it. He had jumped, even though his hand still gripped the barrier and his feet were still on the ledge.

Now, he was just a passenger. He felt himself let go of the handrail, and let his arms drop to his side. He felt himself squat slightly so that he could launch himself off the ledge. He felt himself straighten up, springing forward and away from the bridge. He brought his arms up, above him and pushed out his chest, forming a 'Y' shape with his body, as he cut through the air.
He didn't tumble. He fell fairly flat, with a slight incline towards the ground, as he gently rotated towards a head-first plummet to Earth.

He felt the air briefly rushing past his face, and heard the noise of wind get increasingly loud. He didn't see the ground coming towards him. It was all too quick, in the end.

Then, blackness and silence.

Stick that in your pipe and smoke it.

Tags: #suicide

This is a story about real life, far from the Internet...

Are you familiar with the acronym "IRL"? By some definitions, it stands for: In Real Life. Many people believe IRL is a synonym for any human interaction that occurs face-to-face. Did you also notice that I always capitalise the word Internet? Ever wonder why I do that?

If I speak to somebody on the phone, is that real life? If I send them a handwritten letter, is that real life?

The distinction between 'real' life, and the life we live with technology mediating our interactions with each other, has become rather pointless. I'm no great fan of video chat, but it's certainly an advancement on the telephone. All telephone calls are routed through digital exchanges, and the same infrastructure that carries your voice also carries the data of your Internet connection. There's nothing much more real about having a face to face conversation, shouting through a wall at your neighbour, making a Skype call (who does that anymore anyway?) or phoning somebody on their mobile.

The Internet is a real place, hence the noun. People can meet there, trade goods, gossip. "But you can't physically interact" I hear you wail. "What about touch, smell, taste?" Yeah yeah yeah. Are you saying that the phone-calls you used to make on that old rotary-dial telephone weren't real life?

This is the beginning of a piece I've been wanting to write for ages. I made a note on my smartphone of the title, but I'd already been mulling the topic since a friend - who I've seen in real life only twice since childhood - made the very good point about the Internet being a real place. I was thinking about writing this well before a different friend - who I hadn't seen in real life for nearly 20 years - posted an article on this topic on Facebook. The timing is too perfect.

I've lived 'online' since I saved up my money from my job washing up in a hotel kitchen in order to buy a modem. When I bought my modem, the Internet wasn't yet a big thing. Instead, I used to get magazines that had loads of phone numbers in them of dial-up bulletin boards. Using technology that predated the Internet in the guise we know it today, I used to be text-chatting online, electronically mailing people and playing online computer games, via bulletin board systems (BBSs).

Then, I took to Internet newsgroups which were a popular fore-runner to the forums and social media pages we have today. I even met a rock climbing partner on a newsgroup. If you don't think that putting your life in the hands of a random stranger off the Internet is real life then I don't know what is.

I spent thousands of hours reading and contributing to three kitesurfing forums. People who I first met online had countless evenings spent drinking, weekends away and holidays to exotic locations together. All of which occurred away from keyboard but it was very much real life. It was real when we were all talking to each other on the Internet all week long, during our dull office hours, waiting for the next time we could go to the ocean together.

This is where things get super blurry. I have so many friends I've made through social media (newsgroups, forums) and a lot of old friends I'm able to still remain in some kind of contact with because we are connected via Facebook. Would I have been able to pick up an old friendship with school/college friends who I hadn't seen for circa 20 years, if there hadn't been some real and somehow tangible tie together, even if it was mediated by binary ones and zeros in the ether of the 'cloud'?

The dust has been gathering on my keyboard since I completed the first draft of my novel. I haven't been blogging regularly for a while. I miss writing and I miss having an open dialogue with everybody and anybody on the Internet. The Internet has brought me friends and fortune. I've never regretted the investment of time I've made in channelling my creative energies into a public space that creates nothing tangible per se. What is software? What does it mean to publish a blog or a book online? If you can't hold it, sniff it, lick it... if it doesn't gather dust, does it really exist?

There was one slightly embarrassing moment in my recent adventures Away From Keyboard.

I was out for dinner with another friend. You could say I know him in real life because the first time I met him was face to face... or you could say I know him through the Internet, because he was introduced to me by somebody I know from an Internet discussion forum. Either way, it's immaterial to the embarrassing story.

Over dinner, my friend expressed his incredulity at the fact that the value of all the coal bought and sold is a tiny fraction of the total value of all the financial contracts (securities) that are created off the back of the physical commodity. So many more coal futures and options contracts are bought and sold by speculators, hoping to profit from a movement in the price of the commodity, versus anybody who actually wants the real coal. The dirty black lumps of carbon are almost unimportant... the 'value' in the financial markets dwarfs the heavy industry that mines coal out of the ground and ships it to power stations and for people to heat their homes.

The embarrassing thing was that I went to speak and then I realised that I had nothing to add. I was left speechless. I've written at length on my blog about the staggering 'value' of the derivatives contracts versus the real economy. Is it me who's splitting hairs, expecting us to care about food and housing and water and healthcare and transport? Is it me who's the luddite, saying that the global financial markets are utter horse shit because it's all just digital money in the Fintech 'cloud'?

Maybe the real embarrassment is that I'd had that conversation before, with a hedge fund manager and a director of an investment bank. We were on our way home from the airport, having been kitesurfing in real life with 20 people from an Internet discussion forum. I was just about to start work for JPMorgan, dealing with Credit Default Swaps. We thought that the financial markets were overleveraged and that there was going to be a crash. That was 2005.

Did I put my money where my mouth was? Yes. I bought dollars at nearly $2 for every £1 I paid, and bought gold at $550/oz. One ounce of gold cost £225 back then. One ounce of gold is worth £920 today.

The point is not to be a doom-monger or gloat in a "told you so" kind of way, but to try and express how tired I am by everything. Being Cassandra is shit. Churning out my thoughts into the ether has allowed me to say everything that needed to be said, but it left me kind of breathlessly shocked to encounter anybody who'd arrived at the same rational and reasonable analysis of a ridiculous situation. That's one thing you don't get when you're lecturing the Internet: any kind of feedback that anybody agrees with you.

So, what's my closing conclusion? I'm back blogging, because I love writing, but aside from setting out my position clearly for posterity, some time away from keyboard is pretty handy to remind oneself that there are a lot of people out there in the real world who share my values and concerns.

Tags: #socialmedia #writing #computing #banking #capitalism

This is a story about bullshit jobs...

In the east end of London, sandwiched inbetween Hackney and the area that used to be responsible for producing clothes and shoes, is the tiny oasis of Silicon Roundabout. The concrete mostronsities that sprung up in the postwar era, after the factories were bombed to shit, are now home to the darlings of the UK's tech industry.

TechHub, which is just a stone's throw away from the Old Street roundabout, prides itself on not having a proper ceiling to conceal its air conditioning ducts. The desks are battered and constructed from scaffolding. The urban decay of the whole area is part of the appeal. I mean, you can work in a disused underground train carriage for fuck's sake... some kind of hyper-trendy modern office.

And yet, this hipster village borders the City of London, where the world's investment banks and hedge funds headquarter themselves. Money is made hand-over-fist in London's financial districts, and all of the profits are enabled by smart tech people. There isn't a single cent that lines the pocket of a capitalist without some computer geek having written some software to make it possible.

There are two kinds of brain drain in operation.

Jaded City workers jack in the corporate humdrum of suits and 9 to 5, to head into the world of Hoxton, Shoreditch and Silicon Roundabout in order to grow a ridiculous beard and ride a bicycle with fixed gearing. Meanwhile, the very smartest are poached from the digital agencies and other parts of the thriving software community, in order to build the backbone of the financial system and re-architect the whole world economy.

Sadly, the main conduits for smart people still deliver the bulk of those graduating with first-class degrees and 2:1s from the best institutions, straight into the hands of bloodsucking parasites.

What was your degree in? Chemistry? Geography? Psychology? English? History? Epidemiology? Medieval iconography?

Who fucking cares?

If you're smart enough to have risen to the top of your classes, you're going to be hoovered up by the financial services sector, which dominates 80% of the British economy. Sooner or later, you're going to find yourself working in a towering phallus of glass and steel, which is a monument to the stupendous stupidity of man.

While red-braces wearing men fill their wheelbarrows with worthless paper, the rest of the world rumbles on, but is seen as unimportant compared with the "masters of the universe". It's obvious that you can't eat a futures contract, or a derivative, but yet the bulk of the 'money' in the world is derived from legal contracts that are almost impenentrably complex. Clever little cunts just coming up with clever schemes to scam the 'real' economy out of their labour and productive output.

How did it all begin?

Well, at the Royal Exchange, a farmer decided to sell his crop of wheat before it had been even harvested. This was the original futures contract. From this grew options, swaptions, interest rate derivatives, exotic credit derivatives and every flavour of cuntery inbetween. It's utter horse shit.

Now, you work all fucking day and your salary isn't even a rounding error on a balance sheet somewhere.

The amount of cash in circulation is nothing. It's meaningless. Financial services and the abolition of the gold standard means that the bankers are just adding extra zeros onto the end of everything just to prop up an utter horseshit system based on perpetual growth. As long as the masters of the universe are getting more zeros on their salaries and bonuses. That's the real reason why anybody has to suffer austerity.

Sorry about that.

Tags: #capitalism #banking

This is a story about invasions...

Are you worried about your culture being wiped out? Are you concerned that we could all end up speaking German, Japanese, Chinese or Arabic? Are you concerned that you will no longer be able to worship your favourite imaginary friend? Are you concerned that you'll have to salute a different combination of colours, stitched into fabric and raised on a flagpole?

When you look at nationalism, you'll see that it's pretty insane. While some people willingly learn another language and enthusiastically adopt the culture of another country, and go and live amongst those people, others believe that "our" way of life is worth dying for. In fact, they believe "our" way of life is worth killing for.

Why would somebody learn German and go and live in Germany? Surely that would be like surrendering to the enemy. Surely that would be a slap in the face to our brave grandfathers and great grandfathers, who fought in two world wars so that we never had to learn another foreign language or eat a bratwürst. Our dead relatives laid down their lives so that we should never have to suffer an Oktoberfest and drink large steins of cold beer brought to us by buxom wenches in lederhosen.

When we study history and people's attitudes, it was nationalism that was the main reason we went to war, not the protection of the Jews. The genocide that was being committed is what we are mainly taught about today in schools, but the strongly held belief in British hearts, was that we needed to protect our country.

Only when our European allies had been completely overwhelmed by German forces, and they had reached the northern beaches of France, did we decide to put some boots on the ground.

If you examine the rhetoric of Donald Trump and the Brexit movement, you will hear similar attempts to stoke up nationalistic fever and paranoia over an 'invasion'. Apparently, a "swarm" of brown people are on their way to our shores, intent on fucking up our national identity. We are told to live in fear and mistrust of our Muslim neighbours, who wear strange clothes and congregate in strange buildings. Islamic culture is so different from ours, and we are being trained to treat what is different with suspicion of an ulterior motive, of overwhelming everything we hold dear.

Talk of walls and pulling up the drawbridge. Shut down the borders. Send "them" home. Look after "are" (sic.) own. Britain First. Make America great. Blah blah blah.

But, if we ignore the social problems that are driving suport for far-right jingoistic nationalists, like Trump, Farage, Le Pen, then we fail to defeat them. By continuing to bury our head in the sand and repeatedly just cry "racist" and "bigot" then we continue to drive a wedge between enlightened liberals, and the vast numbers of poorly educated people who feel economically disenfranchised.

Why would I talk about economics? Surely ordinary British people just want an integrated society, full of fellow British people, not all these damn foreign types with their weird food and strange customs? Well, no not really. The reason why people have rounded on immigrants, as has been stated ad nauseum, is that people feel poor and insecure in their jobs. Ordinary people are economically disadvantaged, and there is a popular belief that immigrants are fuelling excessive competition for a finite number of jobs and resources.

I'm about to suggest another, more controversial reason, why we have been taught that the West has 'won' and our way of life is the correct one.

Let's leave all discussions about anti-Semitism and the holocaust aside. Of course, any discrimination based on colour or creed is wrong. Of course, any act of genocide is deplorable. These things are not the topic of my thesis. Let's set those points to one side, because they're discussed at length elsewhere.

Now, let's think about how the Nazis swept to power. Do you think Hitler said "let's kill all the Jews" and all the Germans went "Yeah! Brilliant idea! Let's vote for this guy!". Nope. Even if the Nazi policies of getting rid of gypsies, homosexuals, the mentally ill, Jews and other minority groups was central to their meteoric rise to power, something else was driving it.

Think about the economic situation in Nazi Germany. The country was saddled with debt. The war bonds were a crippling millstone around the neck of the ordinary German people. For every Deutsche Mark that was produced by hard working ordinary Germans, 17 more Marks had to be found for the repayment of national debt. The German people felt enslaved to the money lenders, and the money lenders were perceived as Shylocks (Jewish money lenders, Jewish bankers).

In the twenty year period in-between the world wars, ordinary Germans had been massively economically disadvantaged by the national debt, in the form of war bonds and reparations, that their own government and nation had taken on. Do you think the ordinary Germans felt that they owed this debt? Do you think that, given the choice, they would have borrowed so much?

The German people wished to free themselves from the slavery of interest payments and the tyranny of capitalism. The Nazi movement was essentially an anti-capitalist movement, with the ideas of Gottfried Feder at its roots. The Nazi movement was more akin to communism than the neoliberal capitalist democracy that we assume was the basis for all Western economies in the 20th century.

How were the Nazis able to motivate so many people to work hard to produce vast quantities weapons of war that are hard to not admire, for their sheer feat of engineering prowess? Germany took a great leap forward in putting the instruments of industry to productive use. From a position of being economically depressed, and with massive financial problems, how was it able to build airships, planes, tanks, bombs, guns, and massive amounts of infrastructure to support itself? How did Germany go from depressed doldrums, to becoming a world superpower, so quickly?

The answer is that they abandoned capitalism.

What, in essence, is capitalism anyway? Well, it's putting capital to work, through interest bearing financial instruments. Instead of having labour exchanged for food or goods or services, instead, debt is exchanged for factories and machinery, and people work because they don't own any of the factories or farms anymore. Where does the capital come from? The capitalists. Where does money flow to? Back to the capitalists.

Gottfried Feder figured out the pyramid scheme of capitalism. In his Manifesto for the Abolition of Interest Slavery, Feder explains how the owner of a factory does not benefit from the productive output, and neither do the workers either. Instead, the bonds that paid to purchase the factory bear effortless interest, meaning the profits of the factory flow back to the capitalist. The people who work in the factories need to buy the goods that the factory produces, so, their money again flows back to the capitalists. And through the exponentially multiplative effect of compound interest, the capitalists will grow ever richer, while never having to do a single day's labour. Infinite endless effortless capital.

It was an economic idea that brought the Nazis to power and kept them there. The Nazis brought a sense of prosperity and wellbeing to a nation that had felt depressed and enslaved to the capitalists. The Nazis brought about pride, not in the nation, nor the flag, nor the Nazi party, but in their productive contribution. People feel proud to have done a good day's work and to have produced something. Economic depressions rob people of their feeling of self worth. Economic depressions rob people of their self esteem.

Now, if we look at Islam, we can see that a core teaching of the Muslim faith is that earning interest is a sin.

In fact, do you think of yourself as Christian? Yes? Did you know that Christian supposedly means that you're Christian. That is to say, you follow the teachings of Jesus Christ our Lord and saviour. Do you believe in Christ?

Well, Christ is documented as saying "build no store of wealth on this Earth". Christ is documented as smashing the tables of the money lenders in Herod's temple. Think about that for a second.

Had time to digest that? Yes, that's right. Jesus Christ was anti-capitalist.

So, if we look at the successful religions from the past 2,000 years, and the most recently succesful attempts at world domination, you will see that anti-capitalism is the secret to their success.

Look at the Chinese. In 58 years, the Chinese have brought a nation of 1.3 billion people into economic prosperity. China has become a world superpower. China is one of the largest economies on the planet. How did they achieve that? By rejecting capitalism.

Islam counts 1.6 billion souls following the Muslim faith, and enshrined in law in Arab countries is the illegality of charging interest on loans. Imagine that! Imagine every bank in Europe and America being no longer allowed to charge any interest!

So, if you're looking for a reason why we should all fear the 'invasion' of these conquering hordes, and the demise of our precious culture, you might find that you're empathising with the likes of Rothschild and Goldman Sachs, cowering in terror because their plutocracy is about to be overthrown by the people that they have economically enslaved.

Why do we have a nation of bankers, lawyers and accountants, when those professions are only needed by the very wealthiest 0.1%? We are shaped in the image of what our rulers think is important. When we are governed by billionaires and millionaires, our whole nation and the priorities of our laws are shifted towards supporting their needs, not ours. We are producing trillions of dollars worth of useless derivatives, rather than useful goods & services.

Imagine if we took our best & brightest out of UBS, JPMorgan, Deutsche Bank, Merrill Lynch, and instead deployed them to work in science and engineering. Imagine if we took our hardworking poor in McJobs, and instead allowed them to build wonderful things for the betterment of humanity. Imagine how much happier and productive everybody would be if they were working towards something, rather than against everything.

Our world is so adversarial, with us & them, the haves and the have-nots, the rich and the poor, the wealthy white Westerners and those pesky brown people who want a few crumbs from the table.

In actual fact, there's plenty of everything to go around, but we are so intent on playing by the existing rules of the game, that we fail to wake up and realise that we are propping up a status quo that only makes us poor, disadvantaged and divided.

What have the Nazis ever done for us? They've shown us that economic ideas can create prosperity, optimism and productivity. They've shown us that there's a better way than neoliberal capitalist democracy.

It's distasteful to revere the successes of the Nazis, because I might be seen as also endorsing their genocide and ethnic cleansing. However, what could be more ethnically cleansing than building a massive wall, deporting all the Latinos and banning people of a certain religious faith from entering your country? Trump epitomises everything that is bad about the Nazis, whilst offering nothing that was good about them.

We need to cherry pick the best ideas, and we need to get rid of the ideas that enslave us and hurt the vast majority of ordinary people.

Tags: #economics #politics #capitalism

This is a story about worthless paper...

Do you want to know how to make an infinite amount of money? First, you should obtain a boat. Then, take out as many insurance policies as you can afford the premiums of, on the boat. Then, sink the boat and claim on the insurance policies.

Why can't you do this? Well, because it's illegal to insure something more than once, for the very reason that it creates a financial incentive to go around sinking boats. People respond to economic incentives.

However, it is possible to take out as many life insurance policies as you want. The reason being, that it is assumed that because murder is illegal and suicide used to be (now it's decriminalised) then there is some protection from those who wish to profit from death.

But what about a company? Is a company a person-like entity? Should it be possible to buy life insurance policies for a company?

What is a Credit Default Swap? Well, the simplest explanation is that it's a life insurance policy for a company. If a company gets into a financially distressed situation where it can no longer repay its debts, then the Credit Default Swap will pay out. This is called a credit event. Basically, a credit event normally means the company is dying, because they can't pay their debts. A company that defaults on its debts is never going to be able to refinance themselves after a credit event, because their credit rating will be junk. Game over.

So, if you allow people to take out an infinite amount of Credit Default Swaps, betting that a company is going to go bust, aren't you economically incentivising that event to happen? If there's a bigger and bigger pool of money that is hoping that a company goes bankrupt, that is far bigger than the pool of money who want to see the company rescued, isn't the market going to quite naturally want to push that company under, so that almost everybody gets a big payday?

We know that markets can be manipulated, and because Credit Default Swaps are an Over-The-Counter (OTC) product, there is no market regulation. It's not possible to know who is dealing in these financial instruments, and who stands to benefit. They're kind of ideal for insider trading, because they just don't have the same kind of traceability of equities that are traded on stock exchanges.

The other un-nerving thing about Credit Default Swaps, is that there is no underwriter, and no need to prove that you have sufficient collateral to cover the paper that you have printed. It's possible for organisations to sell vast quantities of Credit Default Swaps, and have nowhere near enough money to cover the losses if the credit events happen.

In the insurance market of Lloyds, there are wealthy names who provide the collateral - cash, precious metals, priceless artworks, property, liquid assets (like shares) etc. etc. - to make sure that the money is there in the event of an earthquake, flood, fire or whatever massive disaster might affect the insurance industry in a major way.

However, in the derivatives market, only the mature products like Futures and Options would have margin calls and require collateral to make sure that losses never exceed one counterparty's ability to pay. Credit Default Swaps have been allowed to be printed completely without regulation, which is concerned with making sure that a credit event wouldn't totally wipe out the risk holders.

Some measures put the Credit Default Swaps market at about $16 trillion, however, when all the contracts were entered into the Depository Trust and Clearing Corporation's central system in 2008, the aggregate notional value of the contracts was closer to $2 quadrillion ($1,700,000,000,000,000). That's a shit tonne of worthless paper.

But is it worthless? Well, when the collapse of Lehman Brothers triggered a credit event, the money that was demanded by those looking to cash in their Credit Default Swaps would have brought down massive companies like AIG as well as putting a deadly dent in the balance sheet of just about every investment bank with a proprietary trading desk (i.e. all of them) who had been foolishly dabbling with these stupid contracts.

Why stupid? Well, the whole idea of being able to make unlimited bets against a company is market manipulating beyond belief. Who's going to recapitalise a company and save it, when you can bet against it in secret instead? Why wouldn't anybody who gets the vaguest whiff of a company in financial trouble not rush off and place large untraceable wagers that it's going to fail?

Naked short selling is pretty bad, but there's only a certain amount of leverage that you can get, and you have to have the collateral to cover your exposure to the risk that the market might go against you. When you're talking about naked Credit Default Swaps, you're looking at the ability to get leverage of thousands of times the amount of money you're actually risking. That kind of potential profit has the ability to move the market, and collapse a company.

It's a simple moral question: if companies are like people, and therefore allowed to be 'life insured', should we be allowed to murder them so that we can cash in on their death?

Tags: #banking #capitalism #jpmorgan #derivatives

This is a story about premonitions...

Our perception of reality is subjective, and it is coloured by our state of mind. I'm deeply depressed, so I tend to see everything as negative, hostile, and doomed to failure.

Yesterday, I was writing a piece about how I thought the markets had over-corrected, and how I expected to see another rout in the FX and equities markets, of Sterling and the FTSE. Little did I know, that as I was writing, a terrorist attack was occurring in Istanbul, Turkey.

When your mental health is suffering, sometimes you can start making too many connections, seeing too many co-incidences. Last year I started to misinterpret events as significant in my life somehow. I started to feel overly connected to things happening around me - because I was unwell - and thought I was at the epicentre of a seismic event again, like during the Credit Crunch, when I felt at the very heart of the derivatives market and Credit Default Swaps, with JPMorgan.

Michael Cherkasky, the monitor from the US Department of Justice, still isn't happy with HSBC's customer due diligence, but nobody seems to give a shit. The share price might have dropped almost 20%, but so far as I know, nobody's going to prison for not warning the shareholders, which would be a violation of the Sarbanes-Oxley Act, which has tried to force public corporations to be honest and open when things are going wrong.

The thing is, the show must go on, and everybody has a vested interest to some extent. Bear Stearns couldn't fail, because the markets were already spooked by Lehman Brothers. Greece couldn't default, because the entire stability of the European single currency and the stability of global markets was at stake.

Even now, with Britain prompting a disorderly rush for the door, and the potential for systemic collapse, as a domino-like chain of events is set off, we are still seeing a surprising amount of stability.

Market economics is supposed to weed out the weak and the reckless. The companies and governments that have gone beyond their means are supposed to be punished by the market, but actually what we have all demanded is stability, not a free market.

Really, Bear Stearns should have been allowed to fail, AIG should not have been bailed out, Greece should have been allowed to default on its debts, the UK should be allowed to precipitate the collapse of the Eurozone and the inevitable failure of the Euro and debt defaults across Southern Europe.

What people seem to be voting for is the free market that we supposedly have. Where would we be, if we had bitten the bullet in 2007/2008 and not simply propped everything up? Aren't we going to have to suffer a global recession that is many, many times worse than it might have been if we'd allowed reckless companies and governments to fail earlier?

However, the politicians and the banks believe that they've been tasked with economic stability. Certainly, the Bank of England's brief is to try and maintain inflation in a certain range. It certainly runs contrary to our Keynesian understanding of economics, when central banks are actually used to prop everything up, to maintain the status quo.

Gordon Brown famously declared that we had seen the end of boom & bust, but haven't we simply made a farce of the idea that debts ever have to be repaid, and there isn't an endless supply of money?

Civilisations normally fall when the burden of debt is unmanageable, but creditors refuse to forgive debts.

The world needs to deleverage, to have a debt haircut, for debts to be forgiven. The system has failed. There's no moral hazard. Everything is too big to fail. There is no market economics anymore.

I think that what people want is either inflation, to inflate away their debts, or debt forgiveness, because they are over-burdened with huge mortgages, student loans etc. etc. People feel that they've been hurt in the pocket, and they really don't care about the stability of stock portfolios and the value of Sterling.

I see the Brexit decision as almost a vote to accept a devaluation, in the hope of stoking up domestic inflation. It's a vote to accept volatility and chaos in the financial markets, that we supposedly wanted to avoid during the Credit Crunch, but people were never asked if they were OK with a whole heap of bad banks going bankrupt.

Yes, people are probably naïve about how upset they'd be about their life savings being wiped out, and having to use a barrowload of pound notes to pay for a loaf of bread, but perhaps it's better than their lives of quiet desperation, while the rich get richer and the poor get poorer?

I'm incredibly impressed to see stability in the markets today, but I don't think that's what anybody wants. People are looking for a shake-up in the pecking order. People are rocking the boat, because they're unhappy, and they literally don't care about the global economic impact and systemic risk. Perhaps propping it all up, and forcing a very long period of austerity onto everybody wasn't such a smart move.

The next question is: how far are the wealthy prepared to go, in order to get their pound of flesh?

Tags: #politics #banking #capitalism #hsbc #politics #europe

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 self destruction...

This little machine has allowed me to rise to a level of mastery of a profession where I could command in excess of £200k (gross) per annum for my skills, walk out of one job and into another, and generally enjoy a period where I didn't have to know my bank balance or save up for anything. This statement is vulgar, I hope people don't think boastful, but it's certainly distasteful.

I now live in an apartment with panoramic views of the Thames. I can see Heron Tower, The Gherkin, Tower 42, The Cheese-grater, The Mobile Phone, Tower Bridge, The Shard, The London Eye and a number of iconic London skyline icons.

This would be sustainable, but since the age of 19 or so, I figured out that it doesn't matter if it's torpedos fired from a submarine, or Credit Default Swaps, traded in the front office of an investment bank... it's all the same fucking 1's and 0's.

Some pudgy, piggy-eyed, adenoidal little pricks have carved themselves out little fiefdoms where they have constructed such impenetrable balls of mud, that no sane programmer would venture in.  They take pleasure in having made themselves key-person dependencies.

I like to think I'm ethical, and it's only because I was being whipped so hard by my bossess to deliver DTCC that I didn't think of the ethical impact of Credit Default Swaps and Collateralised Debt Obligations on the world economy. JPMorgan processed 70% of that toxic waste, and that equates to $1.16qn of money that was circulated, while the real collateralised securities and precious metals were moved into the accounts of those who knew what was really going on.

I wrote the system that confirmed those trades. I saw the data flow through. I saw live production data, and I couldn't believe the notional values that were being traded.

I feel like I could have stopped $1.6m of 'fake' money, for every man woman and child on the planet, from being pumped into an economy that was only ever supposed to last as long as the 'smart' money moved their assets. There just isn't enough precious metal, fiat currency, property and securities to collateralise all the derivatives that have been printed. The paper is worthless.

I can't see how it can be propped up. As it starts to crumble, I'm going to feel more & more responsible.

I feel like ground zero.

I don't want to wake up tomorrow.

Tags: #banking #suicide #career #london