This is a story of the part of Great Britain without a voice...

Our media misrepresents "youths" (young people) just like they misrepresent "refugees", "insurgents", "benefit cheats", "drug addicts", "criminals", "con men" and a whole host of other convenient 'bad guys' that help them to tell stories to sell newspapers, magazines and sell TV and radio advertising slots.

I saw a TV program the other night that was criticising a small business owner for paying somebody cash in hand to work for them. Surely the real story was that this well presented, educated and posh sounding journalist was even able to get a job paying £6.50 an hour without alerting suspicions... that's about the best job that even high-achieving school leavers and graduates can expect to get.

The prospects for young people today are atrocious. There are not enough training contracts and apprenticeships. There are no jobs to gain the valuable experience that will make these bright, energetic, enthusiastic and hard-working people into productive members of the workforce.

The Conservative Government has done what it normally does, which is to make the rich richer and the poor poorer, and I'm pretty angry about that.

The Tories presided over the Big Bang, which resulted in the Yuppies and Loadsamoney generation of the 1980s, but still left big social divides. When the Tories then tried to introduce the Poll Tax, which was a massive tax on the poor, people were outraged.

The Tories have now started to attempt to dismantle the social welfare system, leaving many unemployed, unwell and less abled people, living well below any acceptable standard for a developed Western nation.

Have you actually spoken to people, about how hard it is for them to stretch their budgets? Have you really gotten to know what the daily problems they face are? Have you attempted to live on Jobseekers Allowance, Employment Support Allowance or Disability Living Allowance? Have you filled in the forms? Have you been to assessments, been to the centres, tried to navigate the system? No, I didn't think so.

Many parents have masked the problem, until now, by subsidising their children and grandchildren. This has merely propped up a completely untenable government and lined the pockets of the rich. So much money has been siphoned off into wealthy people's pockets, with little or none of it actually reaching those who work so hard to improve the day-to-day lives of British Citizens.

Do our Nurses feel better off under the Tories? No. Do our Teachers feel better off under the Tories? No. Do our Police feel better off under the Tories? No. Do our Firemen and women feel better off under the Tories? No. Do our Armed Services feel better off (financially) under the Tories? No.

While the Tories have fanned the flames of nationalism and warmongering, and attempted to stoke up a culture of Union Jack and St. George flag waving. This hoodwinks the undeniable erosion of the standard of living of ordinary people living in the UK.

Have the Tories made it any easier for people to buy their first house? No. Have the Tories made it any easier for young people to get their first job? No. Have they increased wages, or reduced rents or generally taken control of the fact that people's debts are spiralling out of control because most young persons' incomes are not sufficient to pay for the basic essentials for an acceptable life.

We are living, for the first time, in a generation where our opportunities, our standard of living is significantly worse than that of our parents and grandparents. Can people afford to get married, buy a house and have kids? No.

If you take away all hope from people, of being able to own their own little piece of the world, to put down some roots, to fall in love, make a baby and raise a family independently... you are robbing people of their self esteem. You are robbing a whole generation of the chance for them to show you just how hard working and intelligent and resourceful they are, in 'legitimate' ways.

The 'austerity' has merely drained the pension pots of our parents, in supporting the children that have been abandoned by a government run by rich old people, for rich old people. These greedy greedy career politicians are so completely out of touch with what is happening in high-rise council flats in Britain's towns and cities. They haven't got a clue what's happening on the huge estates and new housing developments.

The career politician went to private school, lives in taxpayer funded flat in a gentrified enclave of wealth in London, and commutes back to a rich market town or pretty village, where they are surrounded by wealthy people who have bled Britain dry at the expense of the masses. They have never spent any time in the real world.

There are exceptions, on the left and the right, of course, but in general it seems like the strategy of selecting a House of Commons from the most elite group of privately educated toffs who have never had to experience the welfare system first hand, might have something to do with why people are so angry and upset right now.

The problem is, that these people have few routes to being heard in the media and affecting the public opinion of those in power. Politicians are surrounded by an echochamber of similarly minded and educated elite people, who arrived in their positions as journalists, by very much the same route as them.

London really is a place where a politician and a journalist can live in one gentrified street, completely oblivious to the struggles in the social housing on a neighbouring street. Of course, the people in the 'council house' can't afford to shop on the super-expensive streets of London's trendier areas, so the wilful ignorance persists, because the different socioeconomic groups never actually intermingle.

You can't criticise the business owners who are only supplying to demand. It is not the hipster's 'cereal cafe' that is in the wrong, but in fact the whole system that allows such disparity between rich and poor, to exist and grow.

So, the young have ended up being misdirected into disliking the hipsters, just like they were told to hate the yuppies before. Actually, these people are the ones who got lucky or worked hardest. The people we should really be angry with are the ones who are filthy rich and didn't work for it.

I know it looks to many like riding a bike to work and wearing trendy clothes is all there is to the job, but actually, people in startups do at least 5 jobs each (e.g. Designer, Developer, Tester, Marketing and Sales) and tend to work at least double the hours that you would work in a regular job. They also work 6.5 days a week, and are always available on email and social media. They never switch off, because they are so passionate about their businesses. That's why their businesses have succeeded and not just been turned into another bland chain of corporate humdrum grey monotony.

I urge people to find their voice, and make themselves heard in a peaceful, constructive and erudite way. I'm concerned that the media will fan the flames of youth anger, racist ignorance, misguided nationalism, anti-immigration bigotry and everything else I detest about media 'themed reporting' that tends to fixate on a particular narrative that engages people's eyeballs... and therefore their wallets.

We need to remember... the only 'free' press is online, the BBC and the Observer. Everything else is paid for by a greedy rich old person with a political agenda.

I would suggest that people start boycotting newspapers that are paid for by headlines and advertising, and TV news that shows adverts on commercial channels. Start reading opinions from individuals on Twitter who you like and trust. You will also see what's trending, which is far more real than what is being chosen to be pushed by a news desk editor.

Tags: #media #politics #racism #nationalism #gentrification #youth

This is a story of two different investment strategies...

The guy on the left is Junior Banker, William Marshall. The guy on the right is Senior Analyst/Programmer Banker, Nick Grant. We are both professionals in Global Banking, economists, and philanthropists, who have read law and practice accountancy.

We have followed very different strategies for the banks that we have worked for. William is 'old money' and has practiced the buy and hold strategy of passive investment in the world's biggest companies. Nick is 'new money' and has practiced active investment in startups and disruptive companies.

I would say, that as we are well into the 21st century, and we have seen many cycles of boom and bust, that we have enough economic data to make a bold pronouncement: passive investment has failed.

Having large amounts of capital locked away in pension funds, where the fund managers are old and lazy, is not a good strategy for anything. In the 1980s it lead to asset-stripping of profitable enterprises that had employed a lot of people and were generating wealth. This made the Mayfair Set very rich, but left Britain with huge numbers of people laid off, and factories closed and sold off for the land and asset value. In the 1990s and beyond, it has led to boardroom excesses that frankly disgust me.

Male-domination of the boardroom, and eye-watering salaries, bonusses and golden parachutes that are paid to our company executives. This is a situation that must change immediately.

Both William and I share a common belief that we need to see more women in the professions, and we need to smash the glass ceiling that woman have been held beneath for far too long. Both of us have supported our partners to the fullest possible extent to allow them to be the Wonderwomen that they are.

William's wife is a Rocket Scientist, working on Europe's most important Space Missions. My ex-wife quickly became an amazing software developer, outclassing me in every company that we have ever worked for, including Research Machines and JPMorgan. I supported us delaying starting a family and her retraining to become a Teacher. With incredible speed, she rose through the ranks to become Head of the Chemistry Department at one of the best State-funded Grammar Schools in the United Kingdom. The admiration she has of staff and pupils, and the exam results that she has helped achieve are amazing.

Our boardrooms, our corporate culture, are starved of women, and a non-macho feminism in the thinking of the way that we build businesses. We are not being diverse enough in selecting the best minds in industry. We are still sexist in our thinking and our hiring. Myself and some colleagues had to fight tooth-and-nail to retain one of the most brilliant women that I have ever worked with, on the most important project in the biggest bank in Europe. That's not right.

Law, accountancy, medicine, journalism and IT are all lacking in women, while teaching, childcare, events, hospitality and catering are lacking in men. Meanwhile, strong independent intelligent women are being short-changed in their careers and sidelined into roles that they are totally underused and undervalued in.

Myopic business leaders are also short-changing our young people too. By investing in old dying people, rather than energetic young people, the pyramid of society has been stood on its head. Retirement is not a right, it's a priviledge. You only get to retire if you have left the world a better place than you found it. Sorrry, buster... you don't get to spend your hoarded cash until you fix the environment and create some damn jobs.

It's time to do the right thing.

We do need to respect our elders, but that should be strictly in a non-executive capacity. Should these people receive huge remuneration for such positions? Absolutely not. Only those who have already managed to build enough wealth, and can therefore afford to not have to keep working, are entitled to sit on the boards of companies.

The most enterprising and hard working individuals are implementing and executing large-scale changes to our economy, creating jobs, creating wealth and inspiring the next generation. The value of sitting in a chair and criticising everything is precicely zero.

Tags: #banking #career #gender

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This is a story of the people who see you at your most tired, afraid, and in the most pain and discomfort...

I owe the hard-working, caring and dedicated nurses of the National Health Service my life, along with the Radiographers, Cardiologists, Phlebotomists, Psychiatrists, Social Workers, Psychologists, Nutritionists, Physiotherapists, Pathologists, Porters, Caterers, Cleaners and of course the Doctors, Consultants, Surgeons and Anaesthetists. It would be ridiculously selfish of me to not continue living after all the hard work that a huge team of people made in putting Humpty Dumpty back together again.

I always seem to expect that things will heal overnight, and indeed I rushed everything after a fairly major leg injury. After the accident, which luckily seemed to avoid any major blood vessels, despite severing a load of muscle, tendon and nerve. I hastily cobbled together a 'field dressing' with sanitary towels and a dressing gown cord, and wanted to make my own way home, but paramedics insisted on checking me out. It was them who discovered I couldn't actually raise my foot anymore, due to a severed tendon, and had lost feeling on the top of it, due to a severed nerve.

The operation took a long time and must have cost a lot of money. I have paid a lot of tax and National Insurance during my career, but that does not make me entitled. I need to repay my debt to society somehow. I haven't thought how I'm going to do that just yet, but I do think about it. I do have a list I'm working through, although I'm obviously never that mindful of the "one step at a time" mantra... I tend to sprint everywhere.

Running before I can walk, running with scissors (not how it happened, just a metaphor) and all the other things my Mum warned me not to do never ended in tears because I was always told to MTFU (Man The F**k  Up). A kind friend told me the other day that excess mucous and swollen mucous membrane might indicate a backlog of tears. I guess my tear ducts are fairly full.

But let's keep this about those in the caring professions. These people have to mop up your blood, pooh, pus, vomit and mucus, while you wince and generally try and hide your discomfort and be as polite and courteous as you can under the circumstances.

We should pay people in the caring professions a living wage, and more to reflect the important role they have in society.

I, for my part, am going to ensure that I pay full income taxes on my earnings when I am inside IR35, which is anytime that I have a regular place of work and commute to the same office on a regular basis... like now.

Coming from a startup and small business culture, I have always re-invested any profits into Research & Development projects in my time between contracts, but I think I need to just get a regular hobby... probably a safe one, given my accident prone nature!

I also think that a socially responsible proportion of my disposable income that I have should go as Gift Aid to Macmillan Cancer Support, because Cancer is a disease which blights all our lives, and the nurses in Palliative Geriatric care are really doing an extremely tough job and should receive all the support that we can possibly give them, as highly qualified professionals in a job that demands them to be kind and caring, loving and supportive, dealing with the inevitable painful loss of loved family members.

This by no means absolves me of my social conscience, but it's a public declaration of starting as I mean to go on. Some might see this as pathetic hypocrisy. Fine. Send me a postcard with a better idea.

Tags: #NHS #injury #startup #charity #career

This is a story of a growing problem in people's lives....

I can't get no sleep. That's a double negative. What I mean is, that I have a problem with insomnia, because I stare at backlit devices around-the-clock. The problem with backlit devices is that they output light that hits your retina, telling your body "it's daytime, get up".

When I'm awake, which is most of the time, I'm either at work on my laptop or working at a double or even triple monitor, looking at my phone, or looking at a TV, tablet or some other backlit device. I had even taken to reading books on my phone, which means that my body had absolutely no light-based clue as to what the f**king time is.

Unsurprisingly, this messes with your circadian rhythm, even if you eat your meals at regular intervals, and attempt to get in and out of bed at normal times. I generally keep at least 3 electronic devices within grabbing distance of my bed anyway (phone, laptop, smartwatch) and often times I fall asleep with either my laptop on my lap, or still wearing my smartwatch (which helpfully vibrates, so I can briefly wake up to check any alerts).

Photographing stuff on my phone and uploading it to Facebook, Twitter or Instagram, posting check-ins and status updates, and making snide or sarcastic Tweets - from 4 different accounts, at least - has grown and grown, leading to a kind of live-blogging of my life.

To say that I was obsessed with social media would be a massive understatement. It's actually an addiction that is affecting my health. That's the generally recognised definition of an addiction: when something you enjoy is negatively affecting your life, but you are struggling or unable to reduce your dependence on the thing you are addicted to (water, oxygen and sugar don't qualify, you see, because you die without those things).

The inscription around the woolly head of our sheepie friend reads: we are such stuff as dreams are made on; and our little life is rounded with a sleep. Shaun would be well advised to make sure he gets enough sleep, as our immune systems can get dangerously low if we aren't giving our brains and bodies the rest they were designed to have.

Modern life gives us surprisingly few environmental cues as to what we should be doing. Here in London we have artificial lighting 24 hours a day, and there is barely a wall that doesn't have some kind of flat screen attached to it now. We really are a City that doesn't sleep. When all the bankers, lawyers and accountants go home in their taxis, just before midnight, an army of cleaners and trash collectors sweep in behind, to collect all those discarded coffee cups and sandwich wrappers.

Most offices are now 24 x 7 x 364 (you get Christmas Day off - this is the only real Bank Holiday) which have cost-saving motion sensing lighting, so you only have to glance up at one of the tall office blocks at an unusual hour, to get a rough idea of just how many people are working on some unrealistic deadline for their client.

Delivering a deal, getting the Thank Yous from your bosses and clients. High-fiving your colleagues, and adding another tombstone to your impressive collection of deals or projects that you have delivered... that's addictive too. You get a little dopamine hit every time one of those things happens, and before you know it, you find yourself going into the office 7 days a week and answering the phone to your bosses whenever they call.

In a global business, we operate a follow-the-sun model, where Europe hands over to the Americas, and then onto Australasia, and then Asia-Pacific, and then Middle East and North Africa and all too soon it's dawn again. Where those business centres are unable to fully support themselves, some poor sod carries their phone and/or BlackBerry everywhere anytime. We used to call it Crackberry when we first got our BlackBerries, and you found yourself checking email at 4am, even when you officially weren't on call.

We can't actually help ourselves anymore. Whenever we hear that bleep and see that message notification light blinking, we have been habituated into reaching out and grabbing it, no matter what time of day it is, no matter how socially inappropriate it might be, no matter what else we are attempting to do at the time.

I find myself looking at my smartphone, one-handed, while cycling along in front of 3-lanes of red London busses and trucks... what could go wrong? I find myself finishing typing a message, one-handed, while descending steps and even a ladder that leads down onto the 'beach' outside my flat. That ladder is about 80ft high. It would hurt if I fell, or maybe even kill me.

It's a similar deal with selfies. People will go to extreme lengths to get the shot. They won't even let you skydive with a camera until you have done a certain amount of jumps, because of the sensible precaution that people should concentrate on the hard ground that is approaching at 125mph, and not the killer shot that will make their Facebook profile look super awesome.

So I tried to photograph 64 painted sheep in Covent Garden yesterday. Should we be quite worried, in a pathetic hand-wringing Daily Mail reader way? Why? In the above image, some adults might have been accidentally been photographed obsessively taking photos of their children. The image is low enough resolution that you can't actually recognise people, but some idiot will still declare that their privacy has been invaded. Welcome to London, you muppets. We are one nation under CCTV.

(NOTE: I took particular care to avoid taking a photo of anybody's child, and no, that really is not your kid in the image... it's someone else who shops in Baby Gap or Mothercare or wherever, and has a blonde/mousey/dark-haired kid. Can you imagine how hard that is in Covent Garden?).

So, for my part, I am pretty much putting my entire life - not including anything I am under contractual and professional obligation to protect - into the public domain. Nothing to hide, nothing to fear.

Is this brave, or stupid? Will I come to regret doing this? Am I embarrassed? Yes, there is embarrassment at first, and then this grows into a feeling of being liberated. Nudity, sex etc. are still taboos, so I'm not going to take things that far, and I am mindful of other people's need for privacy so I won't be exposing anybody else to my public life laundry. Ask yourself though, why do you feel uneasy about something leaking out?

So, I believe that Cannabis is a very dangerous drug that has been allowed to enter popular culture (some conservative estimates say that 1 in 10 people are regularly 'stoning' themselves). My biggest concern is that prodromal Schizophrenia is being turned into fully blown psychotic episodes in young people. The paranoia and disordered thinking that I have witnessed in friends and relatives is disturbing.

The strains of Cannabis that have been developed with very high Tetrahydrocannabinol (THC) content are ruining many lives. People just sit around, eating, playing computer games, and p1ssing their youth away. These are smart and enterprising people. We are losing a whole generation, and I'm pretty angry about that.

If you walk around Camden Town, you will realise how the Marajuana plant has become a ubiquitous emblem for a huge powerful narcotics industry. The revenue and turnover involved is many many billions, in the UK alone. The corruption involved, the bribery of government officials, is a multi-agency problem that spans Border Controls, Customs, Police, Local Government, and of course, Parliament. Professor David Nutt was run out of government for trying to bring some sanity to the issues which threaten to tear our society apart.

We can't have an entire generation, whose ideas and energy have been repressed by a chemical 'straight jacket'. These stoners are too intoxicated to see that they have been conned. They might think they are part of a counter-culture revolution. From my first-hand observations, they are actually spouting complete rubbish, gawping at the TV, surrounded by empty junk food wrappers, in the stained clothes they have been wearing for days.

It sounds like I'm having a go at young people. I really am not. This is a major sadness in my life, that brilliant, bright, intelligent, energetic, beautiful young people are selling themselves so short, because they have been trapped into a cycle of poverty and intoxication, addicted to strong narcotics. What other hopes do they have? Getting a job as a young person is almost impossible.

Can't get a job without the experience. Can't get the experience without the job. That's the spine-chilling Catch 22 that is destroying a whole generation. These are your children who are being frozen out from the employment market. Take a bloody look at yourself, stop looking at the profit and turnover for your company, and ask yourself how many apprentices have you trained? How many entry-level positions have you created in your company? What are you doing to help the next generation?

Give young people the break they need in life. It could be as little as a small business loan, of a few hundred or few thousand pounds. That kind of money is pocket change compared to the value of your savings and assets. If you don't give away more than 1% of your total personal wealth (value of your house + value of your salary + value of your savings + value of your pension) every year, for the lifetime of each child that you have spawned, then you are a pathetic spineless leech on society.

My parents, tried to be as supportive as they were capable of being, and I love them. They have made mistakes, just the same as all of us, and I do recognise that being a parent is hard, and everybody is just winging it.

Tags: #childhod #addiction #mentalhealth #drugs #privacy #london #banking #career

This is a story of a dinner out with friends, planning my retirement...

I went to the book store with my friend Lesya. I bought 2 books. I was pretty insistent that I buy one of them. Out of all the books in that book store, I couldn't imagine walking out of there without this one. I knew that it would haunt my idle thoughts and dreams if I didn't have this book.

But, strangely though, as I leafed through the book, trying to build up the courage to buy it - and not repress my general urge to p1ss all my money away - I found a deeper and deeper connection with it. Every page I opened, I fell more and more in love with the content... perhaps I have always loved it?

So, a headhunter recently asked me what I really want to do with my life. I was surprised how unhesitatingly I answered that I want to retire at the age of 45 and become a Therotical Physicist. It just tripped right off the tongue, even though I hadn't made that plan - at least in my concious mind - until that point in time.

But what is time? What is conciousness? At dinner later that evening, we conducted a kind of experiment which was quite enlightening...

There are 1,099 pages in Penrose's book. I asked my friends to open the book at any page, and I would attempt to explain the theory on the page that the book was 'randomly' opened at. Why do I put 'random' in quotes like that? Well, I have a working theory that there is no such thing as a random number, in reality as we can possibly experience it... which leads on to the first page.

The Anthropic Principle is where the book was first opened, by Lesya, which nobody wanted me to explain, as John believed I had rigged the game. Anybody with a reasonable grasp of Greek or Latin or whatever the f**k language that poncey word "Anthropic" is rooted from, will know that basically what this is saying is Humanity is at the centre of the reality we all experience. In the catchphrase of the Moneysupermarket Meerkat.... SIMPLES!!

I did a quick Google search for "number of books in a book store" and the first simple answer I came up with that doesn't sound unrealistic was "upwards of 1,000" which is a bit of a sh1t answer, because 1,160,000,000,000,000 is a number which is upwards of 1,000 so let's use 999 as the answer to be on the safe side.

So, there was a 1/999 chance that I would pick that book, and a 1/1,099 chance that Lesya would pick that page, which means there was a 0.0001% chance that I could have preplanned that 'stunt'. Not likely, but still a chance.

So, then John had a go opening the book. I'm going to try and write the formula that was on that page, from memory:

Δp Δx ≳ ½ ћ

Now, I'm not sure, but I'm just going to go with my gut instinct and avoid cheating, but I'm pretty sure that looks like the Uncertainty Principle to me. The first symbol is easy - delta - the little triangle means 'the difference between two values'. So the first side of the equation says "what is the total area that could be covered by something with a known momentum AND a known location"... where in the world could the thing we are looking for be found?

So, I'm going to explain the other side of the equation in a minute, but for now let's just work out the odds of me being right. It's another 1 in 1,099 chance that John could have picked the page I wanted him to, at 'random'. That makes a statistical probability of 0.00000008% that the events of the evening went in my favour.

So, the other side of the equation is super easy. It's half the Planck constant. I reconised the h-bar symbol and what it meant immediately. We can work out the odds of that. There are 26 letters in the Roman alphabet, and let's imagine that there are 26 kinds of mark applied to them, each with a specific meaning in Physics (this obvious simplification ignores all the Greek characters... but it will suffice). So that's 1/26 times 1/26, which is 0.15% probable that I would match the correct meaning (assuming I knew them all) with the character.

So what kind of probability have we gotten to now?

0.0000000001%

I'm not sure, but I hope that is Six Sigma statistical significance. I was never that great at Maths.

Tags: #physics #friends

This is a story of the son of a historian and a philosopher...

Here's where I grew up. I literally had the West Wing. This 26 bedroom 'house' cost £120,000. Only my father - the most inspirational person in my life - had the vision and the courage to take the plunge on such a venture. You can't even see the whole house... there are still 2 blocks,  an indoor basketball court, a grass tennis court and a 5-a-side football pitch, that you can't see.

So what riches paid for all this? What family money? What inheritance, trust fund, or silver spoon were we all born with?... is there a chance that your preconceived notions might be wrong?

My Mum was the main breadwinner in our family, on an entry-level academic salary. My Dad used to be a gardener. We used to live in Gardiner's Arms Cottage. The cottage backed onto some woodland, and I could hear Wood Pigeons coo-ing from my bedroom (my parents had the only other bedroom). In order to make this tiny cottage liveable for our growing family, my Dad built an extension, built me a tree house, and used to poach the Pheasants and Wood Pigeoens in the woods, in order to save money on meat.

I cried when we left the cottage, as my life seemed pretty complete. I got to play in my tree house, sniff the flowers and water the grass... what more is there to life? However my Dad had bigger and better plans for the family. The problem with workaholics, is that they don't know when they have won, and when to stop. I'm very grateful that my parents are who they are, and it's taken me 36 years to really see their master plan, and get on board with the winning team.

As well as a gardener, my Dad has been a philosophy undergraduate, car mechanic, metals trader, chef, pub landlord, junk shop owner, holiday cottage operator, builder and antique dealer. His knowledge and love of architectural antiques, plus his skill as an entrepreneur helped him to build Oxford Architectural Antiques into a business that counted Formula One drivers amongst his clientele, as well as him providing architectural centre pieces that were focal in the work of famous interior designers and restauranteurs.

My Dad taught me the importance of not only building a profitable business, but being part of the economic community. He created jobs, and firmly believed in the Guild of Master Craftsmen. He made the former coal yard that he rented into a beautiful jewel in the heart of Jericho, that won an Oxford in Bloom prize. He was interviewed by the BBC. He put on fireworks shows for my school friends and me. He sponsored struggling local artists and musicians, to put on cultural events. He is my hero.

Unfortunately, career politicians saw his yard, only in terms of prime property development value, and eventually it had to be sold off so that flats could be built on the land of his thriving business, as well as nearby Lucy's Iron Works. Because of this Jericho no longer had these sources of wealth generation and employment.

This is the definition of a Lean Startup. I learned from the best in the business (circa 1986)

Tags: #startup #entrepreneur #lean #childhood #oxford #parents

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 friendship, love and adventure...

A group of friends put their trust, their money and - indirectly - their lives in my hands, and I took us all to Caracas, Venezuela, where we were transported across the city in trucks that had holes in them that looked very much like bullet holes. We all survived.

I must admit, if the holiday was a success it was more by good luck than by good judgement. I'd like to say that it was effective delegation that made the difference, but really, I just outsourced the problems to an excellent local guide - Alejandro Battistini - who was trying to make a name for himself and the island of Coche, off the coast of Margarita island, South of the Caribbean.

Having been to both islands on a couple of occasions before, myself, I was familiar with the way things worked as a traveller in a small group. Having a huge group was a different logistical proposition all together, however.

I negotiated a seemingly sizeable deal with American Airlines in order to get nearly 20 people plus 20+ kiteboards, and perhaps as many as 50 giant kites, to our destination without incurring costly excess luggage fees. When we came to try and fly to a small group of coral sand islands called Los Roques, I knew that we would be taking an extremely small turboprop plane and weight would be an issue. I tried to impress upon the group the importance of travelling light, but when the airline staff saw a gigantic pile of bags, they baulked at the prospect of a sketchy takeoff.

This was a big blow to the group, and to make matters worse, there was then a lull in the wind and we found ourselves killing time on the beach without enough wind to kitesurf even with our biggest kites. Everyone should have been very annoyed with me, and I felt really bad that things had not worked out.

What's bigger than a big kite? Two big kites. Instead of letting me feel all embarassed and sheepish about everyone sat around on the beach, the gang helped me with the crackpot idea of flying two kites at once to get twice as much power. I was the only one who got to try it, as it needed so many people to help me launch the kites but make sure I didn't get launched into outer space by 26 square metres of bi-kite. That was an inspiring piece of alturism on the part of the group.

The most fun I've ever had with my clothes on. Thanks guys & gals! (April 2005)

Tags: #adventure #kitesurfing #kiteboarding #leadership