This is a story about taking responsibility...

What did you do to get fat, poor, alcoholic, addicted to drugs, mentally ill, bored and unfulfilled in your job and your life, into an abusive relationship, trapped onto benefits or otherwise cornered?

Those who think of themselves as having made smart life choices are quick to criticise those less fortunate than them, believing that the difference between them was simply one of choice.

A fat person simply chose to eat more calories than their energy requirement. If you mostly sit around watching TV, you don't need any more calories than those required to pump the muscle of your heart, move the diaphragm of your lungs, and for your cells to create enough heat to keep your blood at 37 degrees Celsius.

A poor person simply chose to not study very hard at school, and to not seek a lucrative career. If a poor person wants to become richer, there is an established path of acquiring academic qualifications, and then working your way up through the ranks to gain the experience you need to get a better job.

An alcoholic simply chose to not stop drinking before their body entered a state of alcohol dependence syndrome. The first time that you get the shakes after drinking, you could quit and possibly avoid delirium tremens and having a seizure.

A drug addict simply chose to continue to seek whatever escapism and pain numbing they found comforting in their drug of choice. A drug addict could simply choose to live with the pain and issues that they're trying to escape, or kill themselves in a much quicker way.

Mentally ill, stressed, anxious, depressed people simply chose to put themselves into an overwhelming situation that doesn't meet their needs and constantly bombards them with things that they have to do that they can't cope with. A depressed person could simply stop working, draw the curtains closed, and wait to be sacked and evicted onto the streets.

People in abusive relationships are simply choosing to not give up on their partner and remain optimistic about things getting resolved, or are simply choosing to be trapped into a cycle of abuse that fills them with so much fear that they feel unable to remove themselves from the situation. People in abusive relationships are simply choosing to not run away from the family home with their children, and live where? On the street?

People on benefits are simply choosing to not take a zero hours contract McJob on minimum wage that would see their benefits slashed as well as also having to spend all their paycheque on childcare so that some stranger can raise their kids, who they never get to see anymore because they're at work the whole time. People on benefits are choosing to live on a government handout that is not enough to pay for the basic essentials that they need, and puts them into a hand-to-mouth stressful existence with no hope of escape.

Maybe you could combine all these things, so that somebody is an overweight drunk with a drug habit, depressed, anxious, under-qualified for any decent job, and wedded to both the welfare state and an abusive partner, both of which have their claws into the person such that they can never escape.

Do you think it sounds appealing, the idea of living life without the comfort of food and eating? Life without the simple pleasure of sugary and fatty snacks. Do you think it sounds appealing, being stone cold sober and straight, with absolutely zero chemicals to alter your perception of the world, when your world consists of collecting benefits cheques that disappear like sand running through your fingers, with no hope for any kind of different future? Life without the numbing power of intoxicants, and the brief moments of joy that might be brought by other drugs, in an otherwise bleak and depressing existence.

Imagine having to give up your home, your partner, your family, your chemical crutches, your favourite food, and live in the cold harsh light of a reality of being single, alone, homeless, withdrawing from drugs and alcohol, dealing with depression and anxiety with nothing other than this magical bullshit thing called "willpower" alone.

Yes, it's all very well criticising the poor and unfortunate from your villa in Tuscany or the deck of a yacht. Yes, it's all very well talking about poor life choices, while you sit in your second home counting your money.

The truth of the matter though is this: the difference between successful people and unfortunate ones is pure blind luck.

We don't pick our shitty irresponsible lazy parents. We don't pick how wealthy our family is. We don't pick our schools. We don't pick whether we will have academic aptitude or not. We don't pick whether we can apply ourselves to the task of getting a lucrative job, or whether we hold onto unrealistic fantasies of becoming a pop singer or a Premiership footballer for far too long, before reality finally dawns on us. We don't pick whether we get to throw ourselves into our careers, our homes, our families, our pets, our hobbies... or whether we end up running to the bottle, the pills, the powders and the needle, in order to deal with the extraordinary shitness of daily existence.

Life is short. Life is shit. If your life is not shit, you're in no position to tell other people that it's because they're lazy, irresponsible, stupid and they made bad life choices. If your life is not shit, it's because you were lucky enough to be born into a family of reasonable wealth and education. You were lucky enough to fall into something that was lucky enough to work out. Yes, you made choices, but there was a huge component of luck that it worked out. Plenty of people made the same choices as you, but through no fault of their own, things didn't work out well for them.

In the blink of an eye, you can have an accident that will have life-changing consequences. In the blink of an eye, your one golden opportunity can pass you by, and you'll be shunted off the smooth tarmac and onto the rocky road. In the blink of an eye, your fortunes can change, and you find yourself cast into the seething mass of humanity, all crawling over each other like crabs in a bucket, trying to escape.

Just because you were lucky enough to make your escape, doesn't mean that anybody else can follow your special recipe, doesn't mean that anybody else can find their perfect job, can find fulfilment, contentment. Just remember: one slip and you're just as fucked as all the other people who weren't lucky like you were.

One slip and you're fucked.

Tags: #politics #homeless #abuse #alcohol #drugs #addiction #mentalhealth #depression

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 profit...

If you work in a free market capitalist economy, the company you work for is run for maximum profitability. In order to maximise profits, a company will have the fewest possible admin staff it can, to keep overheads low, whilst also having as many revenue generating staff members as the demand for the company's products and services can support. There are no jobs that are created, solely for the benefit of the employee.

Think about it: if you were to quit, the things that you do wouldn't be getting done. If you're in an administrative function, perhaps that means bills not getting paid, invoices not being issued or regulatory requirements not being met. Sooner or later your business is going to get shut down if it neglects its backoffice functions. If you're in a sales function, that means less revenue for the business. Less revenue means less turnover, which lowers the company's valuation, making it harder for them to raise money for expansion. Less revenue means lower profits, meaning less champagne at the shareholders' annual meeting and tough questions asked of the board of directors.

Your salary is a payment for your time. Your time is then used to enable the company to continue to trade, or to make it directly more profitable. Your salary is offset by profits. Your salary is not a gift, out of the kindness of the heart of your boss. Your salary is way less than the profit that somebody else will pocket, for your efforts. Your salary is a price worth paying because the things that you do while at work will generate more money than it costs to employ you.

The business of employing people, is the process of getting somebody to do something instead of you doing it, but you get to keep a proportion of the fruits of their labour. The profit generated is many, many times more than the cost of the wages.

And so, we have described the ragged trousered philanthropists. It is the workers who are generously donating the vast proportion of the fruits of their labour, to an idle wealthy elite who employ them. The wages of those who toil at the bottom of the pyramid scheme, are inadequate to pay for high quality housing, the education of their children and nutritious food. Instead, the people who pick your vegetables and build your houses, and generally give themselves arthritic joints, bad backs and knackered knees, are left with ill health and a pittance of a pension when they are so overworked that they can no longer remain in the workforce.

But, we are told, you should count yourself lucky to have a job!

Lucky? Lucky? Oh, how terribly fortunate that I have enabled members of the board of directors to buy another yacht, or to purchase another rare artwork to hang on the walls of their mansion. La-de-da, how lucky I am to have been able to plump up the trust funds and offshore bank balances of rich shareholders.

But, there's nothing to stop the likes of you or I from quitting our jobs, and starting our own companies, is there?

Well, there are economies of scale and there are monopolies. Certain businesses will not be very profitable for the likes of you or I, because they have a low gross margin. When a company grows very large through acquisitions, swallowing up all of its competitors, it is better placed to capitalise on a market, because it's a dominant player. Also, the cost of administrative, legal and tax obligations as percentage of the overall running costs, is much lower for the very large company, which makes it more profitable.

When a company becomes very large indeed, it is even able to headquarter itself in a country with a favourable tax deal, so all the wealth that is generated by those ragged-trousered philanthropists, flows out of the country where they live and work, so even their public services become deprived of their vital cash.

Yes, you must consider yourself lucky to be able to have grown your company so large that it is able to cheat even the government out of the taxes that would pay for higher quality housing, healthcare and eduction, that would at least be some recompense for the fact that you see such a tiny share of the profit that you generate.

But don't companies offer their staff share options, and bonuses? No. These schemes are just scams to buy your loyalty cheaply. Share options cost far less than offering an attractive salary that would keep you with the company. When you really look into how much money you're going to make when you can finally exercise the options, you will see that your employer has bought your loyalty extremely cheaply.

The pips have been squeezed too much, and the wealth has not been shared. Large companies have not made the societal contributions that we must all make - taxes - to prevent the ordinary workers from suffering a drop in living standards. Education, healthcare, public transport, housing: these things are all chronically underfunded, while the mega-rich are opulently wealthy, living in a totally different world from those who toil tirelessly to add yet more zeros onto obscene bank balances.

It's time to soak the rich, not be grateful for our jobs.

Tags: #capitalism #banking #politics

This is a story about pets...

I love cats. Cats love me. My cat, Frankie, is so comfortable with me that I can zip him inside my jumper to keep him warm and he just happily snuggles up.

I read the other day that it took less than an hour to raise thousands of pounds for a cat that needed an operation at the vet. I've always taken the precaution of having pet insurance, because I would never want to have to make a cold hard financial decision about an animal that I kept as a pet, because I'm very emotionally attached - bonded - to Frankie.

A friend of mine has cycled thousands of miles across Europe to raise money to buy bicycles for impoverished families in Africa. These are not bicycles for leisure. They are an essential mode of transport for rural dwelling people, in order to be able to access education, employment and markets, without having to walk for hours and hours in blistering heat. Each bicycle can literally transform the prospects of an entire family overnight.

My friend who has so far covered about 2,000 miles, in over a month, has raised less than 25% of what the needy moggy managed to raise in less than an hour. I'm sure you'll agree, that cycling thousands of miles in some of the steepest parts of the Alps, surely shows that it is not through lack of effort that his fundraising attempt has not been more fruitful so far.

It's certainly not my intention to criticise or take anything away from his incredible feat, working so hard for such a good cause, to raise money for World Bicycle Relief by cycling across Europe. I'm totally in awe of what my friend is doing.

However, what saddens and disappoints me is how readily people will reach for their wallets when they think of a poor suffering furball, rather than a fellow human being.

Both my friend and I have been homeless. There seems to be an assumption that human beings are architects of their own demise, and animals are innocent creatures that need our protection. There seems to be an assumption that charity and governments are somehow working, to redistribute wealth and protect the needy and vulnerable. That simply isn't the case.

Why do people wait, until their friends and relatives are in hospital or dead, before they say "I wish we knew what to do, before it was too late" and "if we knew things were that bad, we would have done something"?

Frankly though, this is horse shit.

We have a culture where we believe we are engaged in a desperate struggle just to "look after our own". It's simply not true.

It might feel like a desperate struggle, to prepare the kids packed lunches and hang the laundry out. It might feel like a desperate struggle to think that you might not get to take 3 foreign holidays this year if you or your partner loses your job, which you're not going to. Things might feel like a desperate struggle because you've been reading too much damn tabloid journalism.

Until you've slept rough, barely been able to keep yourself clean, except with the occasional public shower, and barely been able to keep the clothes on your back from turning to dusty rags, you know fuck all about desperate struggle. However, even when you're homeless in the UK, you still don't tend to go without at least one hot meal a day: there are always soup kitchens and the Hare Krishna.

I don't know what it takes to trigger some empathy, and the goddamn impulse to get up and do something but I'm fairly outraged by the pocket change that gets stuffed into a charity collection bucket, simply to salve a middle-class conscience.

You've probably completely misread my own situation. I live in a flat that costs me twice as much as a hostel bed, which is totally excellent value. I work a job that brings in enough money to pay down the debt that I ran up supporting myself when I was sick. Yes, that's right. Instead of claiming incapacity benefit, housing benefit, council tax deductions and every other kind of government handout that I'm totally entitled to because I have major mental health issues instead I've funded it all out of my own pocket, and impoverished myself in the process.

Why would I do that? Well, because it's easier to get the money you need to survive when you have fur, whiskers and paws.

I mean, for fucks sake, Syrian children are having to print out pictures of themselves with Pokémon so that we give a shit about them.

Sorry for the condescending tone. I'm just a bit pissed off that our idea of "helping our own" is a few likes and shares on Facebook.

The end.

Tags: #charity #frankie #homeless

This is a story about perspectives...

Relativity. The difference between different observers, for a given frame of reference. Who can say that the reality that I experience is more 'real' than that which you experience?

As if by chance, a friend of mine who I used to be homeless with - sleeping rough - in the London parks, visited me this evening. Now, instead of living destitute in a bush, I was able to entertain him in a luxury Thameside apartment.

Do you think that this disparity, this clear 'upswing' in my social status and prospects, makes me think "ooh! how terribly fortunate I am!"?

In actual fact, when the Government had ignored my doctor and psychiatrist's imploring letters to support me during a particularly vulnerable period in my life, and I had been denied welfare and housing, I felt liberated. I lived within a stone's throw of a Royal Palace and was relinquished of the responsibilities of attending demeaning ATOS assessments, completing form upon form of personal information, and digging through vast archives of paperwork to find bullshit documents to satisfy some blank-faced bureaucratic drone.

Do you think I'm glad not to be homeless? Don't be so ridiculous. Everything comes with a cost.

I'm really in no position to be working at the moment. I feel like I'm going through one of the most prolonged periods of depression that I have ever experienced, and the stress and anxiety of my situation is so unbearable that I am closer to taking my own life than I have ever been before.

The fact that I am working is very different from being able to work. The cost to me is virtually immeasurable. If this brief period of stuffing cash in a mattress appears to be a success for those who believe that work will set us free at bayonet point, they are probably ignoring the historical precedent and likely long-term outcomes.

I note that those who criticise me for being ungrateful for my position may be doing so whilst on holiday in Barcelona, or perhaps on a yacht in La Rochelle. This seems to be the ultimate in ignorant hypocrisy, when these people have probably never known the hardships of homelessness and destitution.

If you imagine that a homeless person should be grateful when they are finally off the streets and into a stable housing situation, you are a buffoon. Housing, food, hygiene and an opportunity to put your skills to productive use, are the bare minimum for human dignity. These are human rights.

Instead, I feel like a prostitute. I have sold my mind to the highest bidder. My analogy is probably insulting to those who are genuinely compelled to sell sex, but in this way, you might understand the lack of empathy that my wealthy friends have shown towards my own situation.

Get rich or die trying. It's not even that simple. There are so few ways to dig yourself out of a desperate situation. Prostitution of the body or prostitution of the mind. If somebody wishes to shoot me down for such a melodramatic analogy, go right ahead, I probably deserve it and I'm an easy target, but this is how I feel.

I have made a bitter choice: work for three times as long, and have a somewhat easier time of it, but know the whole time that I'm being underpaid for my skills. Or, to be highly paid but accept the very worst work. The most soul-destroying and de-skilling work that is wholly unsatisfying and only the hardest, meanest, most desperate mercenaries would tolerate in the interests of getting rich quick.

My days are a completely calculated gamble. I put my mental health on the chopping block, hoping that I can struggle by for long enough to put a few dollars in the bank before I explode with stress, frustration, depression and having been completely exploited by a ruthless industry intent on burning people out in pursuit of pure profit.

It's hard to express how hard it is to do something that you mastered nearly 20 years ago, and has now become excruciating mental agony, but also an extremely well paid profession. I'm paid to be professionally bored, stressed, anxious and unfulfilled. I'm paid to put up with stuff that would have most sane people running out of the office saying "fuck this shit".

Yes, the majority of people hate their jobs. Yes, the majority of us would not work given the choice. This is different. I can compare and contrast. I can tell you what the difference is being an electrician from being the manager of an IT project. I can tell you which one destroys your soul and your mind more.

You know the best job I've ever had? Delivering newspapers on Monday to Saturday for £10 a week.

Tags: #homeless #depression #suicide #mentalhealth #career

This is a story about ingratitude...

Why do I attack the industry that has suckled me? Why am I so angry and upset with the profession that has nurtured me? Why am I so ungrateful for my whopping big salary and cushy benefits?

Administration: the unnecessary bureaucratic headache that creates unwelcome red tape, adds no value to the real economy and is an overhead that limits the productivity, innovation and creativity of those who are truly useful. I don't work in the Information Technology business. I work in the business of administration.

The two most productive things that I do in any given week are filling in my timesheet and submitting my invoice for payment. The most important thing that I do each quarter is to pay my Value-Added Tax (VAT) down to the precise penny that I owe. If I'm not perfectly on top of my bureaucratic administration, the Government will stop me doing my 'real' job, which is creating software.

But what does the software I create do anyway? Most of it is just keeping score. It's bean-counting software. It's software that creates jobs for zillions of IT professionals like me, so that companies can get rid of zillions of administrators, that they immediately re-employ to make sure their IT professionals are filling in their timesheets correctly.

For every person who I put out of a job, by automating the processes they perform, the company will then invent some other pointless position. Our whole economy is based on bullshit jobs.

Should I be happy to have a job, and to count my blessings? Well, no. It's immoral to not consider whether you are having a positive or a negative impact on society, and on the planet. To count my blessings is an incitement to be wilfully ignorant of global issues, and the betterment of humanity.

So what am I doing instead, to align my values? How do I reconcile the rhetoric of what I preach with the obvious fact that I am enabling massive corporations to continue to ride roughshod over the human race and the fragile planet?

Well, I take the money, and with it I pay my rent & bills. And then, I spend 90% of my time thinking about issues and writing this blog. I'm not paid to create software - so little of my time is actually spent doing that - instead, I'm paid to bite the hand that feeds me. It's an inside job. I'm disruptive and cynical. I'm disillusioned and critical.

Does that mean my colleagues have to work harder to make up for me slacking? No. It doesn't work like that. If my boss asks me to do something, I won't do it. I'll wait to see if they ask me again. My boss isn't going to ask somebody else to do it, because they've already asked me to do it. 9 times out of 10, I'll never be asked again. The tenth time, I'll realise that whatever was asked of me actually was important, so I'll apologise and do the work.

So, am I idle? Absolutely not. With the time I could have spent doing those 9 things that were clearly unnecessary, I will conduct a kind of audit. I will go around, looking to see if there's anything more useful I could be doing. Invariably, there isn't. Everybody is just so locked into a hierarchical system of managers, administrators & clerks, that nobody has looked at the bigger picture and realised that what they're doing is absolute bullshit. Or if anybody has realised that their job is utter bullshit, they're not talking about it.

Now, I'm not talking about nurses, garbage collectors, train drivers, firemen. It's pretty obvious what the useful function of many front-line workers is. However, these people are working all hours for some of the lowest wages. No manager needs to tell a nurse to help a patient who is in pain & discomfort. No administrative drone needs to make sure that a garbage collector is hitting their Key Performance Indicators and is going to achieve their annual objectives at their appraisal. Either the important job is done, or it isn't.

There are functions that literally nobody would miss, except maybe not being harassed by an army of micromanagers and bureaucrats. Isn't it the case that you're propping up a sick and twisted system, by continuing to count your blessings and not rock the boat?

I frankly find it disgusting that I'm paid so many more times more than what a nurse gets paid. If I was to simply sit back and "think positive" and try to enjoy my ill-gotten gains, doesn't that make me a terrible, terrible person?

It's probably true that the world doesn't need any more bloggers, but what am I supposed to do? Impoverish myself and retrain as yet another disrespected front-line worker? It's hardly like they're being heard today, is it? How are the social wrongs ever going to be righted?

It seems to me that the right thing to do is to speak up. Yes, I jeopardise my lucrative career in doing so, but it's the right thing to do. People are more likely to listen to an IT consultant from the banking world, who is critical of the sector that pays me handsomely, than they are to somebody who could easily be dismissed as simply "jealous" or "not smart enough" to land themselves a similar job.

Truly, I do not think that front line workers are not smart enough to do my job. In actual fact, you have to be pretty dumb to be able to turn a blind eye to the social injustice of being highly paid to be an idle manager of hardworking people who do the real jobs.

I currently have no cash to put my money where my mouth is. Quitting my job would literally see me homeless and destitute again. However, I do anticipate a time when I will be faced with a true test of my morality: when I am able, will I quit the rat race and try to do something that is more in line with my values?

I have massively impoverished myself, trying to take an ethical stance, and I would do it again. It's the right thing to do.

Tags: #politics #banking #capitalism #career #computing

This is a story about ethics...

Imagine if you or I got caught laundering the best part of a billion dollars worth of drug money. We'd get sent to jail for a very long time, right? What if a bank got caught doing it, and there was so much evidence that there was clearly a case for criminal wrongdoing that could be prosecuted? Well, maybe you'd get given a chance to get rid of some of your dodgy customers, and nobody would go to jail. Does that sound fair?

Let's think about the financial crisis of 2007/08, when reckless trading meant that the whole banking sector had to be bailed out, causing austerity for ordinary hardworking people. The people who have paid the highest price - with lower wages, job insecurity and cutbacks for frontline services - would never be able to go begging for interest free loans if they behaved so irresponsibly.

Bankruptcy is not a criminal offence. It's OK for a private citizen to run up huge debts, find out they could never hope to possibly repay their creditors, and declare bankruptcy. You don't go to jail for bankruptcy.

So, arguably, what the banks did in 2007/08 wasn't that bad. It wasn't criminal. They had their risk underwritten by governments, so why wouldn't they take huge risks with public money? They were economically incentivised to take those risks, because the precedent of the "too big to fail" bailouts meant that there was no downside risk.

But what about money laundering? What about facilitating payments for drug gangs, dealers, traffickers? If you or I were involved in any of that as a private citizen, the courts would throw the book at us. They'd lock us up and throw away the key. It's criminal.

So, what about the banks? If the biggest bank in Europe - HSBC - was well known to authorities for helping a couple of major drug gangs to launder the best part of a billion dollars in dirty money, wouldn't that be criminal too? Wouldn't people go to jail?

Well, no. Enter the concept of "too big to jail". Just like the financial bailouts that the banks received, banks can also receive Deferred Prosecution Agreements. That is to say, even though you got caught doing criminal stuff, you'll get let off so long as you take some steps to stop doing it in future.

And how long would you have to get rid of your dodgy customers? Well, say the US Department of Justice were thinking about prosecuting you in 2012, you might still be botching the IT project that is apparently 'essential' to get rid of your dodgy customers 4 years later... in 2016.

How much do HSBC really know about their customers anyway? Well, from their electronic records that they already have on file, they know about 6% of what they need to know. So basically, they don't know 94% of what they need to know.

Now, you might not be an IT project management expert, but you'd have thought that it's more important to find out the missing 94% of what you don't know, than even to bother with the 6% that you do know. Sure, it's pretty embarrassing to have to ask your customers where they live again, but what you really need to know is this: where did you get your fucking money?

In Customer Due Diligence terms, this is called Source of Wealth. You might have inherited the money (legit), you might have won the lottery (legit), you might have sold a priceless artwork (legit) and you might have trafficked vast quantities of illegal narcotics (not legit). Basically, HSBC had 4 years to ask all their customers "is your source of wealth drug money?". Did they manage this? No.

I'm quite spectacularly offended by just how badly they botched a simple project to ask all their customers to fess up: are you in the illegal drugs business?

Sure, it's true that HSBC had to cough up a couple of billion dollars in fines, but for them that's just the cost of doing business. Their profitability was barely affected.

Arguments were made to the US to defer prosecution, and to allow HSBC to keep its banking charter and continue to do business in the United States. These arguments were made on the basis of maintaining stability in the financial markets. The Deferred Prosecution Agreement came with stringent terms, that a court would appoint a Monitor to make sure that HSBC actually cleaned up their act. I can tell you now, Michael Cherkasky, that the project to clean up HSBC's customer base was a total sham. A shambolic waste of time & money, mismanaged to the point that the whole thing was laughable.

Do you think that message that is sent to "too big to fail" organisations, that they're above the law and they can never go bankrupt because they'll always be bailed out, is looking like the right one, today, now, in 2016?

The argument that has been made is that we need to prop up the share prices so that the pension funds are protected, and we need to maintain financial stability. Isn't that just utter bullshit, in the face of austerity and extreme volatility in the markets? We've had round after round of Quantitative Easing (QE) and other attempts to breathe life into markets that have lost their minds. There is nothing at all rational or efficient about the global markets that we see today.

And to round it all off, it's corrupt as hell. To allow banks to ride roughshod over the rule of law is the final step in handing over the nations of the world to the multinational corporations who have driven us into a position of financial ruin, much to the pain of the vast majority of ordinary working people. It stinks of the worst corruption ever perpetrated on Western civilisation, does it not?

Somebody has to call time on the lack of ethics and accountability for the too big to fail organisations, and their board members who are too big to jail.

When we allow the likes of Stuart Gulliver to be the CEO of HSBC, when he doesn't even keep his wealth in the bank he manages, but instead keeps it hidden in the Cayman Islands and Switzerland, clearly we have corruption right from the top down.

David Cameron, outgoing Prime Minister of the United Kingdom said, as recently as April, that "[I] can't point to every source of every bit of [my] money" but yet we would have the likes of you or I have to prove that our filthy lucre was not ill-gotten gains from some criminal enterprise. The corruption comes from the very top of both Government and organisations. It stinks.

Who is going to grasp the nettle and hold Government and large enterprise to account for having run us into economic ruin, while busily siphoning wealth offshore?

There needs to be accountability. There needs to be jail time for corrupt executives and government ministers.

Tags: #banking #capitalism #hsbc #politics

This is a story about being price insensitive...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Tags: #politics #europe #london #banking

This is a story about being a Francophile...

Vive la République! Having lived, worked and briefly been to school in France, I feel adequately placed to talk about some of the pros and cons of a different way of life that we aspire to.

Firstly, monarchy. I'm actually in favour of keeping the Royal Family. They're a great draw for tourists, and they give the UK a brilliant national identity. I like having the Royal Mail, Royal Mint and companies that are by Royal Appointment to various members of the aristocracy. Just as the USA has the stars and stripes, we have the Royal Crest and the Queen's head on everything. It's good branding.

The French might have cut off the heads of their aristocrats, but they still go nuts for all that royal shit. The palace of Versailles is still referred to as the Royal palace. The French still celebrate Bastille Day as if the monarchy were very much still in power: they ascribe a significance to royalty as if they had never actually become a republic.

What disadvantages do we have, remaining under divine rule? I can walk in the Royal Parks, enjoy looking at Buckingham Palace and seeing the changing of the guard, as well as all the other pomp and circumstance that accompanies the ceremonial head of state. It's better to sing God Save the Queen than some awful national anthem dreamt up by a committee, with its trite attempts to be inclusive.

Ok, so what about being a backwards agricultural nation of peasants, rednecks? Well, it's nice for a relaxing holiday. It's nice that the whole of France stops and downs tools for a proper lunch. It's nice there's still village life, with a butcher, a baker, a plumber, an electrician, a joiner and a builder, who are the mainstay of village life, under the Máire - the mayor - and people live a fairly old-fashioned life, where people shop locally and family life is at the centre of everything, along with good food & wine.

This is where I'm slightly divided. In the UK we have an 'always on' culture, where I can get 4G mobile broadband everywhere I go, and I'm constantly plugged into email, Twitter, Facebook. I eat my lunch at my keyboard and get crumbs from my sandwich all over my laptop. Village life in the UK has been destroyed as the commuter belts have moved further and further out into every pretty village with a railway station, within a few hours of London.

Sure, France has its cities, but over 50% of their working population work for the Government, and the spread of population density isn't quite as extreme as the UK, where the South-East is getting somewhat ridiculous, as London draws everything into its financial-services centric orbit.

While we're on the subject of financial services, would I rather be like France, which has had a relatively conservative approach to consumer debt and exotic financial instruments, or be like the UK where we're about as highly leveraged as we can possibly get? Well, apart from a few high profile cases like Société Générale, the French weathered la craque - the credit crunch - far better than the UK, which only survived because of the bailouts.

Basically, the UK is propped up on very shaky foundations. There is no underlying quality of life in the UK. Everything's on hire purchase, interest free credit, and the promise of work now, be rich later... screw spending time with your family or having anything other than work in your life.

Those who hanker after some kind of yesteryear could do worse than moving to France. However, you need to remember that a lot is lost in translation. Even with the best colloquial French, you're still not going to understand a lot of jokes, and pick up on the cultural subtleties. You're going to end up clustering together with ex-pats, swapping tea bags, Marmite and Heinz baked beans, and pining for England.

Certainly, if you have kids that have not been raised from birth in a bilingual environment, you're denying them the chance to really bond with their peers and get the most out of their education, and enjoy their childhood. They're always going to feel different. They're always going to be an outsider.

Gone are the years when France had significantly cheaper housing and cost of living. Gone are the days of cheaper food and fuel. Gone are the days of rustic farmhouse charm. Good riddance I say. Chopping firewood and fetching your water from the well, putting sawdust on your excrement in a freezing outhouse and burying your waste in the back yard... these are things that silly children like to do, because it's an adventure. It's not a way of life that we should aspire to.

Living without TV, Internet and high quality daily newspapers - ignoring current affairs and global issues - it's dumb. Just because France still manages to maintain a certain rustic charm and village idyll, doesn't mean that it's any way realistic in our globalised world.

In a way, the anti-EU sentiment stems from a history of mocking the French as cheese-eating surrender monkeys, who live some kind of hick outdated life. But there's also jealousy there. Wouldn't we dearly like to be as true to ourselves as the French?... protesting about every threat to our way of life, and insisting that our lingua franca is enshrined? The French are often unashamedly right wing and open about the divisions in their society. When we think of the Frenchman, we are likely to think of a farmer, rather than a Parisian, and hasn't our own culture been regrettably diluted by immigration, in a way that hasn't in France?

We look at the camps in Calais, and wonder why people don't just seek asylum there. Isn't France a safe country? There must be something desirable in our own country, but really, what we are saying is that we'd prefer it if people were just passing through the UK, rather than coming to settle. We'd rather be like France, where we have shipped our immigrants out to suburbs, camps, ghettos.

For me, a vote to remain in the EU is a vote of solidarity with Europe and with France. I want the UK to be more like France, and I want France to be more like the UK. I want to feel equally at home anywhere in Europe. I don't like these ridiculous notions of rolling back the clock to some unattainable yesteryear state, where we live in idyllic little villages and roll in the hay during an eternal summer.

For me the vote to leave the EU - Brexit - is clearly driven by this enemy at the gates idea that is epitomised in the Calais camps.

Frankly, I find the idea of building barriers between us and our nearest neighbour, most distasteful. Frankly I find the idea of rejecting our European identity to be complete madness, even if there is something emotionally appealing in the Union Jack and Her Majesty The Queen.

I feel a lot happier being a son of Europe than just a subject of The Queen. I like telling people I'm a European, just as a citizen of the United States of America would tell you that they're an American. I like the idea that I could live and work anywhere in Europe with no visa or work permit considerations.

Vive la France!

Tags: #politics #childhood #france #europe

This is a story about dirty tricks...

The Government and affluent Londoners have completely misread the public mood. There is a complete disjoint between the media, politics, and the concerns and struggles of the general population.

Youth unemployment, ballooning student debt, a lower minumum wage for people aged 18 to 24, unaffordable house prices, ridiculous cost of living... these things don't just affect young people, but also their parents. Parents are waking up to the fact that their kids aren't lazy & stupid, but in fact millennials are far better behaved than any previous generation. You just have to look at falling alcohol consumption, smoking and teenage pregnancy rates, to see that today's young people are far more responsible than their parents and grandparents ever were.

Meanwhile, there's a population bubble that is coming up to retirement age and hoping to collect a final salary pension - an income that is not at all linked to how much they have paid in and asset values - that is causing a massive deficit that nobody is talking about.

Everybody's dug into their trenches.

Students quite rightly demand the same standard of education that their parents received, but must get themselves tens of thousands of pounds into debt, and there isn't even the guarantee of a good job at the end of an expensive education.

Pensioners quite rightly demand the same retirement age as their parents, but are going to live much longer, healthier, lives in their retirement, and expect to continue an extremely high standard of living: 3 foreign holidays a year, new cars and large empty houses, with expensive luxury kitchens & bathrooms, lavishly decorated.

Parents quite rightly expect their kids to move out, live independently, get married, have some grandkids. But that's not going to happen unless parents share some of their wealth, and many parents are already worried about whether they have enough money to maintain their high standard of living. So, the reality is kids never leave home, never become financially independent, are never able to escape the demeanment of being dependent on their parents.

Driving this drop in living standards is the fact that the West has been exporting its inflation for years. The postwar boom years were achieved by abandoning the gold standard and printing money. The only way that the value of the Pound, Dollar, Euro and Yen have been propped up is by an agreement called Bretton Woods, which defined a basket of so-called "hard" currencies.

Now, the people of the developing nations are demanding payback. These people have worked far harder and saved far more money, than the arrogant West. These people are quite rightly dissatisfied with being economically enslaved by a culture that broadcasts its profligacy to the world. If Hollywood is to be believed, we all live in mansions, drive supercars, fly helicopters and know the President of the United States of America, personally.

People want everything they were promised, but reality is a real let-down.

Even in London, where the streets are paved with gold, we live in tiny damp flats, with paper-thin walls where you can hear every little noise your neighbours make and the din from passing traffic is incessant. We are like sweaty sardines on a dangerously overcrowded public transportation network, working the longest hours in Europe, in the hope of affording some ludicrously overpriced piece of real estate. Pollution and crime is all around us. Yet, we are high-brow Guardian newspaper readers, who deign to patronise the ordinary working people outside the M25.

Nobody in the provinces gives a shit about a few malnourished brown people. They just want the cushy life their parents had: with a free University education, a seat on an uncrowded train, a 9 to 5 job that has a big enough salary for one parent to work, buy a house, pay the bills and raise some kids. However, that dream is never going to come to fruition.

People have been disengaged with politics for years. The disillusionment with the instruments that maintain the status quo, has reached crisis point. The wealthy elite have been too greedy for too long, and they have completely misread the public mood, the will of the people.

We're going to have problems when even the middle classes become squeezed, because their kids are a massive drain on their finances. The middle classes are the ones who still wield some political clout, and can even become somewhat radicalised.

Finger-pointing at immigrants will fool some simple-minded folks who didn't pay attention at school and who fail to see the spine-chilling parallels with the rise of far-right fascism in 1930s and 1940s Europe. However, it's only going to buy a very small amount of time, before the UK descends into all out chaos and destruction.

While one generation goes on strike, to demand that their final salary pensions aren't touched, and the protection of jobs that have become unnecessary due to technological advancements, another generation will have their lives made ever more miserable. Young people have to suffer train strikes, on services that are already overcrowded and cost a significant proportion of their income, in order to get to a job where they're paid less simply because they're young, and their money disappears into the black hole of the pensions deficit, with no hope of ever owning a home and having the luxury of going on strike themselves, for fear of losing their job.

We are being turned against one another, and against minority groups like immigrants and Muslims, when the real culprits for our suffering are the public-schooled wealthy elite, who become career politicians and rule over us. The real culprits are those who take out more than they've paid in. The real culprits are those who expect us to work harder than they would work themselves.

The enemy here is inequality, not immigration. The thing that we should be correcting is the rich:poor divide, not dismantling the safety net of social welfare, and blaming people who suffer long-term disability, or immigrants.

We have been manipulated by the media and politicians into voting against our self-interests. We have elected politicians who have massively increased national debt, while at the same time making people more insecure in their jobs, less financially well-off.

Now, the politically inactive class have become radicalised, in voting for right-wing policies, and for relinquishing politically progressive ideals, which had given us greater protection for ordinary working people.

A vote to leave the EU is further playing into the hands of wealthy property owners, who want to see the clock rolled back to a time when there were no labour unions, worker rights and there was no job security or opportunity to better yourself. Brexit is vote to increase the power of a bunch of Eton-educated toffs, who have never done a hard day's work in their lives.

Yes, things need to change, and things need to change quickly, if we are not going to suffer a terrible rebellion by a hard-pressed working public, that could sweep away most of the advancements that our society has made, at great expense.

However, reversing the result of a referendum that was already held once before, is not the way forward. The House of Commons should be just that: representative of the common person. Getting rid of EU gravy-trainers simply hands more power to the wealthy elite, who have presided over a shameful decline in the British public's standard of living, for far too long.

Voting Brexit sends completely the wrong message to the elite, and to nasty bigots, like UKIP's Nigel Farage. Voting Brexit emboldens those who wish to divide and rule us.

Tags: #politics #capitalism