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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[Picture has been removed by IT Security]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

There is a silver lining:

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

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

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

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

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

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

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

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

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

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

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

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

This is a story of a career spent in anonymity as a small cog in a big machine...

Any entrepreneur will tell you that overnight success takes many days, weeks, months, years or lifetimes. I can tell you exactly how long some of my successes took to build, and what the cost was: in terms of personal sacrifice.

Let's talk about my first startup, Bournesoft. I had needed to quit my job due to ill health, and as I recovered from the depression that followed, in July 2008, I taught myself to program games for the iPhone. I had 3 number one hits in the Apple App Store, in late August and early September.

The price I paid for this, was mood instability, which had been kept in check by the routine of office hours. With only a limited window of opportunity to make big cash in the App Store before every Indie Dev saw the opportunity, and then the big corporates moved in. I worked 18 hour days, and paid with my relationship with my partner, family, friends.

I also paid with my love of programming. I hated programming after having to learn Objective-C and the Apple platform under such pressure, which I put on myself. It was supposed to be a fun and confidence building excercise, that I had set for myself, having had an abrupt halt to a successful 11 year career as a software developer.

And so my next startup - www.bournemouthelectrician.co.uk - required significant retraining, but gave me the opportunity to work with my hands in a non-corporate environment, which I decided were my two priorities at the time. Unsurprisingly, there is not really an established training route for wealthy and successful IT professionals and Mobile App Indie Devs, into the building trade.

Undetterred, I incorporated a company (Bournemouth Technology Ltd) funded it myself with a director's loan, signed up for the training courses and got myself an IT contract to "fill the time" and keep the cashflow positive. As soon as I had passed the 17th Edition of the Wiring Regulations, C&G Periodic Inspection & Testing exams and had been inspected by the NICEIC, I bought a van and started trading.

In terms of sacrifice, I invested about 30% of what my lowest earning App had returned me. I also gave up an IT contract that was worth "a lot of money". But I hated programming and working in an office, remember, so I didn't view it as any kind of sacrifice at the time.

Until you have stood in a puddle of water in your customer's kitchen, when you have burst the cold water pipe into the house, or had to find the emergency cutoff as fast as you can when you have drilled through a gas pipe... you do not appreciate your desk, your swivel chair, your computer screen and your photocopier.

Anybody who says "stud finder" has not done any building work on older houses, which are full of the DIY-enthusiast's bodge-jobs, which are a daily risk to the life and livelihood of those in the building trade, who have to lift your horrible laminate flooring, crawl through your fibreglass filled loft, drill through your crumbling brickwork, and discover the creative plumbing you have plastered into your walls. "Why the f**k did they do it like that?" you find yourself asking far too many times. There is never a good answer. Regulations and professional standards exist for good reason.

When I was up to my elbows crawling around in shredded newspaper (creative insulation) dodging the exposed 230v A.C. live terminals of junction boxes that didn't have their lids any more, I got a phonecall asking if could I do a 2 week IT contract that would pay the same as rewiring two whole houses. I realised that I had finally learnt the value of the career I had left behind.

I managed to clear 2 weeks in my full diary of customer's jobs, but I avoided the unpleasant job that I really needed to grasp the nettle of. The right thing to do would have to been phone and cancel those jobs completely. Instead, I was exhausted from building my business from nothing to being a profitable company, and the shame of failing my customers drove me into a second lengthy depression. I did not fail gracefully. I don't feel too bad, because many members of the public I met tried to take advantage of hard-working and skillful tradesmen.

So, I started to retrace my steps. As my depression lifted, I built another Mobile Apps startup. This time selling to enterprise. I drove to one of the UK's largest insurers in my electrician's van, for a sales meeting. It started as Roam Solutions, and then became mEpublish.com and eventually, after the springboard(); TechStars program in Cambridge, it finally became hubflow.com.

Pushing myself so hard took me to the limits of human survival, costing me countless friends, my wife, all my money, my house, my boat, my cars, my hot tub, my summer house, all my tools of the trade. I would gladly pay double that, because it led me home, to London, reconnected me with my friends, and reignited my desire to continue living, liberated from fear of losing material possesions and unhealty relationships.

I'm the one taking the photograph. Camden Town, London, UK (October 2013)

Tags: #leadership #startup #entrepreneur #computing #mentalhealth #suicide #depression

This is a story of identity, respectfully, on the anniversary of the September 11 attacks on the World Trade Center, New York, USA...

When people ask where I'm from, I'm not sure how to answer the question. My surname is Grant, which is Scottish, but I was born in Aberystwyth, which makes me Welsh. But my Dad was from Yorkshire, so maybe I'm a Yorshireman. However, my Mum was from Lancashire, so maybe I'm Northern. But then again, I grew up in Oxford and Dorset, which are in the Midlands and South. I have lived & worked in London, England most of my career, and this multicultural smelting pot is where I feel most at home.

The short answer is, in my opinion, that we are all global children in the age of jet travel, international journalism and the Internet. I identify most strongly with the American people, who made me feel comfortable with my modern idenity, and the Irish people, who made me feel welcome despite my shortcomings.

As a European, I grew up during a period of IRA bomb scares and bombings. I remember not wanting to drink my milk at primary school because of fallout from Chernobyl. My school was once evacuated due to a bomb threat. My neighbour was working late next door to the Baltic Exchange when it was blown up. During the height of "The Troubles" our family felt scared to visit Northern Ireland, when we were on holiday in the Republic of Ireland. Several friends were nearby when the Brixton and Soho nail bombs went off. I remember being scared of planes carrying nuclear atomic bombs from the USAF bases in Oxfordshire. I remember the Lockerbie bombing and I remember being scared of planes being blown up or crashing while I was in one.

When I started my first Banking job in Canary Wharf in 2000 (age 20) there was no HSBC or Citigroup tower (let alone Barclays, JPMorgan, KPMG, Fitch etc. etc.) - they were just digging the foundations around Canada Square - the glass windows in the offices, that were blown out by an IRA bomb, had only relatively recently been replaced. My first job in The City (Square Mile) of London was in an office, which overlooked the bombed derelict ruin of The Baltic Exchange.

In May 2001 (age 21) I started my first Investment Banking job, quite near the Natwest Tower (now called Tower 42). On May Day the previous 2 years, The City had been engulfed by protestors against the rise and rise of Global Capitalism. During the riots, my office reception had been amongst several that had been compromised by protestors, leaving pinstripe-wearing, briefcase carrying, FT-reading fat cats (if that's how you care to think of these friends and colleagues of mine) barricaded in their offices.

On the 9th September, 2001, I moved to Surrey and was commuting into London for the first time. On the 11th, I remember the unfolding of events precisely and vividly. People crowded around my computer screen, which had been one of the few that had managed to refresh the BBC News Homepage during the surge of Internet traffic following the first tower of the World Trade Center being struck.

We made our way up to the trading floor, where they had TV, and we gasped as the second plane struck, and truth was immediately obvious - that this was a deliberate attack on the World Trade Center - fear spread throughout our office and The City. We believed planes were headed for Tower 42 and 1 Canada Square. We made our way home quietly, afraid, whereupon I had to buy a TV. I remember standing in the shop, just watching the footage over and over, transfixed with horror. We were frightened and saddened for the American people, and for ourselves too. Human suffering defies borders, defies race prejudice, defies class divides.

In early summer 2005, I started working for a U.S. Investment Bank and relocated to the South Coast of the UK. On the 7th of July, London was hit by 4 bombs on public transport. Before I relocated, I could walk to work from Angel to The City, but when my office had been relocated to Canary Wharf in 2003, I used to take the tube every day. On that particular day, one of the bombs detonated when the tube was right underneath where I used to work, in between Liverpool Street and Aldgate East.

I can barely imagine the horror of living, working or having friends and relatives on Manhattan Island on 9/11,  but in the UK the emotional connection spread as fast as the images were transmitted around the globe. On 7/7 there was chaos and confusion. I remember the phone network not being able to cope with the volume of calls and SMS messages, as we all reached out to one another to check we were OK. Nobody knew what was going on.

The images of the towers falling, and the dust cloud engulfing a city, will always be etched in our memories. Despite not being an American or having any direct connection with New York, I hope it does not seem churlish to say that I am symapthetic with the plight of those who were more directly involved in the events of either 9/11 or 7/7, and also have basic human fear and life-preservation instincts, that make me a little more fearful than I would care to admit to a terrorist, on the prospect of working in my 42-floor office with 12,000 souls, even 14 years later.

Somebody took a giant dump outside my office recently, as a non-violent protest about banking ruining the global econonmy, presumably. If somebody is angry enough to drop their trousers and curl one out, right in front of the security guards and CCTV, then I think there is still a large body of people who are pretty unhappy with those 'fat cats', still.

This is not at all about me. This is meant to be a message of sympathy, empathy, respect and common understanding, that we have all shared experiences of terrorism, and they are real and affect us all, in some way.

Condolences to all the families who lost loved ones on this day.

Tags: #london #career #banking #terrorism #capitalism #civildisobedience

This is a story of unintended consequences: opportunities and serendipity...

The National Health Service is a wonderful thing. Universal healthcare, including free dentistry and glasses for children and vulnerable members of society. I benefitted from this, but not in the way that might seem most immediately obvious, from the picture of a bespectacled little version of myself, above.

My parents were kind enough to not only care deeply about my eyesight - which was tested at a very young age - but also to impress upon me the importance of having 'adult' mannerisms: remembering my P's and Q's ("please" and "thank you" for anybody not brought up in the Victorian-era), thanking my host for letting me stay, complimenting the chef on meals, and other forgotten social protocols from previous generations.

The combination of a 'bookish' appearance, precicely enunciated diction and good manners, plus a whole repertoire of "party tricks" could be guaranteed to have adults coo-ing and clucking over a "lovely polite little boy". This was borne out of nothing more than any son or daughter's natural desire to please their parents.

I went to the local state school, in Jericho, Oxford, an area which was rapidly being gentrified by middle-class educated families who had discovered that the rental and house prices were excellent value, compared to the rest of central Oxford. This was on account of a stigma of living in "working-class terraced houses" near the canal and derelict, decaying industrial infrastructure of the City.

In 1930's Oxford, Jericho would have busled with coal carts, bringing up sackloads from the canal to heat the large, draughty houses of North Oxford, and the pall of coal smoke from Lucy's Iron Works would have hung close to the water, and through the comparatively narrow terraces, versus the grand wide boulevards of St. Giles and Broad Street.

Being 'right-on' liberals and socialists from humble backgrounds meant these families did not have the means to pay for expensive housing and private school fees. So it was, I ended up going to school with the sons & daughters of heart surgeons, Members of Parliament, bankers, lawyers, accountants and of course, academics, who achieved their place in the world by hard work, not by nepotism.

Amongst my primary school friends, Danny's Grandad, had been instrumental in bringing universal healthcare to the people of Britain, and in so doing, had 'cursed' me with the glasses, which I didn't appreciate the value of at the time.

When playing at the house of another friend, Joe, we were allowed to play on his Dad's Apple Macintosh Plus. Joe's Dad, Paul, is a famous Zoologist who used the Mac to author papers with the likes of Richard Dawkins. Joe's mum, Anna, was a Systems Analyst, and my career aspiration - to drive a coal lorry - was inadvertantly redirected into the world of computing from this point, circa 1986 (age 6).

I can remember those first experiences with a WIMP (Windows Icons Mouse & Pointer) as so intuitive, so natural. It was joyful. Bell Labs invented the transistor, which gave us the modern computer, rather than the collossal rooms of valves that went before. Probably equally important is the work of Xerox in inventing the mouse, and finally Apple, for making a packaged instrument that can be operated by a 6-year-old. "It just works" really is as true today as it was back then.

Sometimes - in fact most of the time - seeing is believing. But this sometimes isn't enough. We also need the pretty packaging. Our computers need to have a rainbow-coloured piece of half-eaten fruit on them. Our nerds need to have a pair of spectacles and talk like they've swallowed a dictionary.

No, I am not comparing myself to Steve Jobs. My career is only just getting interesting. Plus I don't wear enough black.

Tags: #parents #oxford #childhood #apple #computing

This is a story of personal development, mistakes and unanswerable questions...

I wrote something on the platform of King's Cross, doing the minimum necessary research, all from my smartphone. It wasn't me being smart, or my phone, but the programmers, engineers, physicists, philosophers and authors of all the content, who selflessly published into the public domain, via the Internet, which enabled me to do this.

Of course, there had to be a seed too. That seed was Oxford, and the academic sons & daughters who attended state comprehensive during my childhood, including Ben Werdmüller (CEO of Known, where you are reading this post) who taught me how to program a computer and not just use it for consuming video games. Technology then became both my means of consumption for literature (e.g. Cornell University's ArXiv library) but also low-fi tech, such as the Microfiche film I used to view the first photographs of the Middle East, at St Anthony's College, Oxford Univesity.

Ben's father, Oscar, was at St. Anthony's, with my mother, Gillian. This connection has serendipitously given me a career, a love of photography and an appreciation for the physical books, photographs and human relationships, which can be obfuscated by computer screens and Microfiche viewers. Oscar & Ben also inspired in me a love of sport and teamwork, which is only coming to the fore in the 36th year of my life. Debbie, Ben & Hannah inspired in me a love of writing, drawing and creativity that would normally have been stifiled by my move into a technical industry.

The Werdmüller/Monas family's book of drawings by the children - Ben & Hannah - was one of the most precious objects I have ever had the priviledge of handling. Now my own mum looks after priceless manuscripts and first editions of every book ever printed, for the Bodleian Library, Oxford University. These connections are easy to overlook, if you hadn't lived 36 years in my shoes, which is understandable. We all have our own outlook. We are all independent and unique observers in the Universe.

Thanks to a great piece of writing by Ben, it dawned on me that what I do with my 'head start' in computing is often indistinguishable from magic for the vast majority of people, who are playing catch up. Ego and humility always duke it out in my brain, depending on whether I consider my own unique experiences and opportunities, or whether I compare myself to an 'average' set of experiences and opportunities.

So are ordinary people able to stay abreast of developments in theories pertaining to the fundamental nature of reality? Can a kid from a state comprehensive school read and understand the literature that is published in books and academic papers? The jury's out, but I can highly recommend J S Bell's Speakable and Unspeakable in Quantum Mechanics for anybody who would like to read about the probability of a Physics PhD's socks being of different colours.

In the interests of my own reputation... I don't think I've 'solved' or 'discovered' anything. Just a curious mind.

Nick Grant repeating the classic "Quantum Eraser" interferometry experiment with a laser and polarising filter, at the Cavendish Laboratory, Cambridge, UK (July 2011)

Tags: #physics #parents #oxford #childhood