This is a story of a noncompetitive person who became a winner...

In September 2008 I won the Poole Animal Windfest. I then got into a waiting taxi and flew to India to work with my team on the DTCC project for JPMorgan. I didn't even have time to collect my prize or wash off the salt from my skin.

I didn't even realise I had won. When I reached the shore, I had travelled far downwind from the spectators, and it wasn't until I dragged my board and kite back up the beach and started to pack up that people said I had won the final heat

That year, I wrote a software testing framework called Message Oriented Testing (MOT... a pun on the UK's certificate of roadworthiness test for cars and other motor vehicles) as well as designing and leading the coding of the confirmations engine for Credit Default Swaps, that would work with the Depository Trust and Clearing Corporation's API and the Financial Products Markup Language.

This test-driven approach delivered the project on time, despite me having to do it with completely inexperienced offshore resources, and the low number of defects left my bosses gobsmacked. I didn't realise any of this until somebody told me this a long time afterwards.

The truth is though, that was the last good code I wrote, and even that was a bit hacky. I don't really go in for Rolls-Royce solutions. Generally I'm useful when the client or customer needs something doing yesterday. When all the 'architects' have done fart-arsing around and the project is really late, that's the time that I ususually wake up and start hacking something together to get things over the finishing line.

Does that mean I'm a good hacker? In truth, not really. Doing these 'heroic' acts generally leaves me burnt out, and leaves the team with a pile of code which I'm the only person who understands. The deadline is met, but everybody else is left holding the baby, while I sleep off the 'hangover' from a work binge.

So what am I good at? Well, I'm honest - brutally honest - and I also really dislike the salesmen in software who promise the earth and then go back to their development team to give them the 'good news' that they have made the sale... provided the whole team can work for 25 hours a day, 9 days a week, for the next 17 months, and deliver in a year. We just need to make a little adjustment to the Gregorian calendar, no?

I do have a good background in Mathematics thanks to incredible teachers (my maths teacher at school taught me Matrix Mechanics after school, so I could write a 3D ray-tracing algorithm) and Computer Science (the same maths teacher also taught me and a few friends an extra GCSE in our lunch breaks) and I'm enough of a fast learner to pick up any new technology that's required of me to learn to a 'competant hacker' level... a colleague once kindly said I "hit the ground running like Linford Christie" but I think I will probably also fall over like Usain Bolt, unless I stop taking on these sprints.

I also love design and technology. I had the most brilliant D&T teachers throughout my school years. At age 15 I designed and built a motion-tracking device that fitted over a person's arm. I demonstrated it, along with the software I wrote, at Brunel University, as part of the Young Inventor of the Year competition. I think I got a prize, but I can't remember! I definitely think I have a certificate from the competition - which was awarded to me by the Rotary Club, in Lyme Regis - somewhere in the archives.

Now, what would be the perfect job for such a person? I actually have no idea. I've been trying everything I can possibly think of. I actually think, I'm pretty good at pursuading people to back other people's ideas. I guess that makes me a salesman?

The logos displayed are companies that the Hubflow platform was demo'ed to. We partnered with Video Arts, who then took it to their large customer base. Standard sales bullshit (July 2011)

Tags: #kiteboarding #kitesurfing #startup #entreprenuer #computing #banking #career

This is a story of queue jumping and those who get left behind...

I keep this in my wallet, to remind myself not to be one 0f the self-important pricks who thinks they deserve their position in the world. It reminds me that it's never OK to barge in front of the struggling masses. I found it in the middle of a forest in Ireland. The former owner, I imagine, was a jumped-up London eedjit who littered one of the most beautiful and unspoilt parts of our world I have ever seen. This little patch of green is one of the few places to not have been totally screwed by selfish and greedy monsters.

This keepsake also reminds me of the day that I decided to make a switch, from being so consumed with the rat race that I was unable to stop and smell the roses, to notice that there are very few places left that have not got massive concrete tower blocks, huge piles of plastic rubbish, terrible air quality, polluted rivers and all the increasingly obvious signs that the human race is acting with little or no care for the future of the planet.

It also marks the day that I reconnected with nature, having been stuck in the concrete jungle for far too long. The problem with London is, that unless you have a healthy outdoor hobby, like cycling or surfing, you have very little connection with your environment. We live under artificial lighting 24 hours a day, and our views are dominated by huge buildings, not towering trees.

Another problem with London is the drinking culture. I'm not sure if London drinks alcohol to switch off and get some sleep, after all those strong coffees, or whether to numb the realisation that the standard of living is actually pretty poor, when you consider long commutes, high rents, overcrowding, crime rates and poverty everywhere you look (except for Canary Wharf, which is a private estate).

So, I decided that I am going to quit drinking. This is harder than you would think, when you work in an industry where a standard interview joke with a candidate is "Do you drink? Don't worry if you don't, we can send you on a course". They closed the bars in offices, as the City has cleaned up its image, but you can still roll from your desk straight to a bar within barely a few strides.

Let's be clear about my drinking though. I drank pints of lager out with the lads from work. Drinking spirits and drinking alone set of alarm bells in my head, luckily, but binge drinking huge amounts of beer is not good either, even if everyone else around you is doing it too.

It has taken some time to prepare my colleagues for the relinquishment of my final vice. I have never smoked in my life. I gave up caffeine over the last year or so and I am now completely decaffeinated. I am targeting targeting a 1 pint a week, which will be cut to zero in October. This is a drastic reduction from having 5 or 6 pints of Peroni (over 5% alcohol) on a midweek evening, and my body and my colleagues have felt the impact.

So, at first, my body was extremely unhappy about going alcohol free. My sleep was terrible. I was waking up sweating in the middle of the night. In the morning I felt like I was full of flu: aching joints, feeling sick, painful abdomen. This was when I was STOPPING... surely we are supposed to feel better, not worse? Well, as it turns out, it takes quite a long time before you start to feel better.

I was shocked by how long it has taken me to taper my alcohol consumption down to just a single social drink, which I accepted on the proviso that nobody was allowed to pressure me into having another one, and I would go home after I had finished it. My colleagues carried on and were nursing hangovers the next day. I felt surprisingly rubbish after only 1 pint, but I was able to get up and have my breakfast at the normal time.

I think it really is like my friend, Tim, often jokes: "I'm not an alcoholic, because alcoholics go to meetings". The City runs on that kind of gallows humour. However, I have now started to lose friends and colleagues to alcoholism, and many more are very ill indeed. I don't want to be next.

Could this be my last ever pint? My body and brain wish it was (October 2014)

Tags: #career #london #alcohol #addiction #mentalhealth #banking

This is a story of the darkness that drives away the light...

I once wrote my own obituary, believing I wanted to die. When a kind and loving person told me that they supported an accurate portrayal of my life, and I felt I no longer had to plead and beg to be given a chance to not have my history rewritten by my perceived persecutors, I had a reason for living again.

During my descent to this point, I realised that there must be other people, going through what I was going through. I decided to try and found a startup to try and help them.

Did you know that the Apple Watch has a feature where you can send your pulse to another person's watch, and they can feel your heart beating too? This is essentially the idea I had, while I was dying. I don't claim that it is an original idea, nor that I had prior art, but only that I think it's a brilliant use case for modern technology.

One of my best friends, who had taken me in, during my descent into melancholy and infinite sadness, confessed to me that he was kept awake at night, and was stressed at work, not knowing whether he was going to come home to a corpse. Secretly I had resolved to try and end my life away from his house, as I wouldn't leave that legacy in somebody's home.

That was how I arrived at the idea. The idea that you could just touch base with somebody... to see if their pulse still beats. And if that person knew that somebody cared whether blood still coursed through their veins, they would feel a little bit less alone in the world, feel a little reminder that people still care whether they live or die.

You think this sounds melodramatic? F**k you.

I have just registered the domain name areyougone.org and the Twitter handle @RUg0ne ("Are You Gone?" with a zero for an 'o') which will tweet the name of the person and a message, when you email. For example: email nickgrant@areyougone.org with the subject line "answer your bloody phone, we love you" then message and the name as a hashtag (which would be #nickgrant in this example) will get Tweeted out to the world.

I have also registered the Twitter handle @NotGone1, and any information relating to that missing person can be tweeted back with the relevant person's hashtag (e.g. #nickgrant) and this will be emailed back to those people who emailed the address.

At the moment, it's only in Beta testing, but I have started to link together the software that can fully automate this. If it's a useful application, I will automate more and more of it, so that it can stay on top of demand. If there is no demand, that's good, because it means that nobody else feels like I did on that day.

People sometimes push loved ones away. We need to understand why (April 2015)

Tags: #suicide #depression #mentalhealth #startup #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 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

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 leadership, charisma and madness...

People rarely know what they are really asking for, and what they are asking other people to do. When friends asked me to guide them up a mountain by an interesting route, of course I thought "what would be interesting to me?". Challenge accepted!

Is this reckless "leadership from the front" that could have gotten somebody killed or injured? Certainly, I'm at the front of the group here, stood astride the ridge taking the photograph. However, we need to acknowledge that our leaders cannot be responsible for the personal decisions of every member of their party. We are all adults, and especially in the mountains, we have to take individual responsibilty for staying within our personal comfort limits.

When we are scared and stressed and tired, beyond our limits of experience and endurance (physical and emotional stamina) we are a danger to ourselves and our expedition party. It is the leader's responsibility to spot the member of the group who is struggling the most and ensure that the party is led within margins that person can tolerate, otherwise you have failed as a leader.

We are extremely tough, proud and stiff-upper lipped people, so it's pretty hard to really read people's fear and stress levels, so the only way to manage risk to any group that you're leading is to never leave yourself without a line of retreat. When it became clear that my group was unhappy to continue on the route I had chosen, they began to accuse me of having led them into a position of no retreat. If I had done, I would have failed my group, as their leader. However...

All smiling, retreating off Crib Goch, Snowdonia, Wales, UK. We were back on the main path in less than 20 minutes. Descending is a lot safer and easier if you do it early and with confidence (April 2010)

Tags: #leadership #climbing #adventure

This is a story of fear, lies and insecurity...

I once used the DSM-IV (Diagnostic and Statistical Manual of Mental Disorders, 4th Edition) to decompose, deconstruct, examine and criticise my ex's behaviour. I should have turned that spotlight on myself, instead. People in grass houses shouldn't stow thrones.

I have lived a lot of my life with fear, guilt, self-loathing and insecurity. It dominated every waking hour of my life, which was pretty unbearable. I was a pathalogical liar, manipulator, bully, cheat and child.

Yes, that's right, I was a child. Up until the age I could legally drink (18 in the UK) I was growing up. I'm not 'grown up' now, but there was a turning point around the time of my late teens, which began a process of change, from child to adult.

As a kid, I used to lie about having Sky TV, owning a Game Boy and even about the size of my hard disk drive (fnarr, fnarr). I used to feel unworthy of having friends, a girlfriend, and instead cultivated a self-protecting "if you don't need me, I don't need you" isolationism, where I used to spend long periods lost in my own thoughts. I was so lost in my own thoughts, my parents even had my hearing tested, as it would take me a few moments to return to reality from my daydreams.

I remember my Mum being horrified that I seemingly lacked empathy for my tormentors. Two boys who were particularly vicious and violent towards me, and made my life hell, were apparently thin, pale and emaciated, from an unpleasant home life. Unfortunately my unpleasant school life blinded me from these facts, at the time, and I failed to share my Mum's feelings of protectiveness for these bullies.

I think I would have developed into a cruel and bullying boss and CEO if it had not been for an unexpected event in my late teens, which was at once both life-changing, but also potentially life-destroying.

3,4-methylenedioxy-methamphetamine is something I can correctly type from memory, because it is intractably linked to a turning point in my life. It's a bitter medicine to swallow, literally and figuratively - plant alkaloids are extremely unpleasant tasting, and Leah Betts had recently died when I took this substance for the first time - but the "empathy pill" or "love drug" literally changed my life overnight.

Before I continue, you should know that I had never abused drugs before taking MDMA, and I more or less ceased taking Ecstasy only a year or so after my first experience with it. What is written about drugs and addiciton being dangerous and life-destroying is true, and I am very glad that I didn't graduate onto drugs like Ketamine, which has caused irreparable urological damage to the bladder of many clubbers and ravers, and harder drugs that have destroyed countless lives.

There are no words sufficient to express the veil that was lifted as I 'came up' 45 minutes after ingesting a Mitsubishi Turbo pill, in a dark nightclub under a railway arch near Vauxhall, London. Pounding Trance music and sweaty bodies filled a space, way beyond the legal capacity of the venue. I was terrified by the setting, before my friend John even produced an innocent looking tablet on the palm of his outstretched hand.

We should be mindful of the dangers. Leah Betts was killed by a lack of blood supply to her brain, when it swelled up and squashed the artery entering her cranium. She unbalanced the osmotic processes in her body by drinking ~6 litres of water in the space of only a couple of hours. I can understand why she did it. The drug is hyperthermic and diuretic, which means you get hot - so you want to drink more fluids - but you don't feel like you need to pee.

Addiction is also a huge danger. Look again at the chemical name. It has methamphetamine on the end of it. The drug is basically Crystal Meth with a Phenethylamine ring bolted on to it. How else can people dance for 12 hours nonstop to monotonous minimalist electronic music?

Luckily for me, the confidence, energy & lightness in my limbs, the euphoria, the nonsensical "liking" of a chemical substance is the hallmark of an addictive Dopaminergic agonist or reuptake-inhibitor... all these things were of secondary importance to the main event: I felt loved and secure and happy and I felt empathy towards every person, regardless of looks, age, colour, creed, political leanings or socioeconomic background, citizenship, perceived intellect or subcultural references in their clothes, piercings and tattoos - including myself - we are often unable to stop judging and accept our own selves.

As ravers, we used to say "PLUR": Peace Love Unity Respect. I think this is a good motto for life #dontbeevil

Tags: #london #drugs #addiction #childhood #bullying #mentalhealth

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